Countercurrent 1982

Chapter 1498 Mortgage Loans
While Duan Yun was "robbing people" all over the world, Cheng Qingyan started "robbing land" everywhere.

In the early days when Duan Yun and his wife came to Shenzhen to start a business, they thought about one thing and worked hard, and finally developed Tianyin Electronics Factory into a group company, becoming one of the best private electronics companies in Shenzhen and even in the country.

But now, the husband and wife have disagreements on the concept of enterprise development. Duan Yun is aiming at the peak of the world's high-tech industry, while Cheng Qingyan is more and more inclined to be a "big landlord". Real estate has become the focus of her career now. .

However, although real estate seems to have great potential on the surface, it is not an easy task to really develop long-term and fast.

Some of the biggest problems are that first of all, the business objects are real estate, which is fixed and immovable. This characteristic makes real estate companies greatly affected by it in their business activities and greatly affected by the surrounding environment.

Doing real estate business in China is very policy dependent. Whether it is central or local policies, it often has a great impact on the real estate industry. This means that if Cheng Qingyan cannot establish a good relationship with the local government, then once faced with With local policy adjustments, her company is likely to suffer huge losses.

Because of this, after Cheng Qingyan set up a branch in Hainan, she quickly set up a public relations team. In this team, besides some experts with rich public relations experience, many consultants were also hired with high salaries. Some of these consultants were from For the retired cadres of the Hainan government, the other part is the relatives of some in-service cadres. These people usually have no special work tasks in the company. Some people don’t even need to come to work, and they can still enjoy high salaries. , It is enough to show up occasionally, basically it is considered to be raised.

Thanks to such a public relations team, Cheng Qingyan's real estate business in Hainan has developed very smoothly. Cheng Qingyan will get the news immediately and make corresponding adjustments in advance of any country and government policy changes. Compared with other real estate companies in Hainan For business enterprises, it is much more flexible.

In addition, due to the particularity of real estate projects, the liquidity of capital turnover is very poor. Cheng Qingyan and his team divide the company's business into three categories: short-term, medium-term and long-term. Long-term projects are land development, from land purchase to building construction and then to sales. , go through the entire process to maximize profits.

The medium-term project is to carry out long-term operation on high-quality real estate projects. With the help of changes in government policies, they will be sold after reaching profit expectations.

As for the short-term operation, it is to speculate and sell properties, act as a second-hand dealer, buy low and sell high, and realize the rapid return of funds. These businesses are mainly concentrated in old buildings with average quality and no long-term holding value, but the interest rate is much higher than that of banks. .

The number of employees of Cheng Qingyan's real estate company has expanded from more than 30 at the beginning to more than 400 now. As the business grows bigger and bigger, he needs more and more professionals, from land acquisition and demolition, land development, and land transfer. , house development, house sale and lease, sublease real estate mortgage and real estate construction process will inevitably produce a lot of legal affairs related to labor services such as negotiation, coordination and planning, all of which need to be handled by relevant professionals, and it is precisely because of this that Cheng Qingyan's The number of employees of real estate companies is still expanding.

In addition, operating a real estate company requires a lot of capital. This industry is a capital-intensive enterprise. Even in later generations, there are very few enterprises that rely entirely on their own funds for real estate development, and they often rely on various financial tools and means.

Although Tianyin Group is now the most profitable private electronics company in China, the annual capital investment of several hundred million yuan still cannot satisfy Cheng Qingyan's "appetite". Moreover, due to the long return cycle of the real estate industry and the slow return of funds, she wants To accomplish your investment goals, you must turn to the bank for help.

So Cheng Qingyan is going to get a loan from the bank in the next step, but before that, she must seek Duan Yun's consent. Only in this way can she mortgage some of the company's assets to the bank and get a huge amount of cash.

"You plan to mortgage the electronics factory to the bank in exchange for 1.5 million yuan." After learning about his wife's plan, Duan Yun said in surprise.

"Now the business of our Hainan real estate company is developing very fast, and judging from the trend of Hainan real estate in the past two years, there is a lot of room for growth. If we can continue to increase investment at this time, the rate of return will far exceed that of our group company. Any other projects..." Cheng Qingyan said, looking directly at her husband.

"You can get a loan from the bank, but my suggestion is not to make the investment scale too large. Hainan real estate is indeed a piece of cake, but as a private enterprise, we don't have a strong and stable backing, so it's best not to overwhelm our appetite." It's so big..." Duan Yun frowned slightly, and only heard him continue: "You also know that real estate development in Hainan depends on government policies and approvals. Now many people are staring at this cake. If we are too popular Sheng, there will be problems..."

Duan Yun has the foresight. In his previous life, the real estate bubble in Hainan was burst in 1993. Before that, almost all real estate companies could earn a lot of money through buying and selling in the form of "drumming and passing flowers". return.

However, at that time, most of the real estate speculators in Hainan were small businesses. On a small island with a population of only 600 million, there were more than 2 real estate companies at the peak. Most of them were not serious developers, but focused on Fried land and fried buildings.

Although there were some companies with very strong financial strength among the companies that went to Hainan to speculate in real estate at that time, in general, the real estate companies in Han Province at that time were flourishing, and the difference in scale and strength was not too big.

However, after Cheng Qingyan entered the real estate industry in Hainan, she quickly obtained many high-quality real estate resources in Hainan Island by virtue of her much stronger funds than other companies. It seems that it is not a good thing.

Duan Yun's business philosophy is to put stability first, and he will never build any skyscrapers until the foundation is laid.

Moreover, Duan Yun also knows that Hainan’s real estate business is completely based on policy. If you want to make money, you must get the rare resource of government approval. This requires a good relationship with the local government. My wife’s real estate company is now developing in Hainan. Swiftly, it must have adopted some gray means.

And if Cheng Qingyan continues to expand in such a disorderly manner, it is very likely that she will steal other people's cakes. Once she is targeted or reported, there may be very serious consequences...

(End of this chapter)