rebirth of change

Although it was said that only half an hour of communication time was given, it turned out that Chen Kangjie spoke for more than 40 minutes, and Tan Jian and the others added three or four minutes respectively, so the total was about one hour.

The reason why Chen Kangjie reserved part of the content for Tan Jian and the others to supplement was, of course, to give them a chance to exercise.When they can speak frankly in front of Zhou Zhilie, they will be more confident and fearless when facing other people.

Just like people from a small city feel inferior and have no confidence when they go to a big city, but the opposite is true when people from a big city go to a small city.It was difficult for the four of them to maintain a stable mentality, but with Chen Kangjie's forty minutes of "throwing bricks and jade", and they knew almost all the details of this project, they could quickly enter the state calmly.

"I would like to know one thing, since you asked our bank to cooperate with you, how much money do you plan to pay? I don't doubt your ability, I just doubt, as a college student, where do you have the funds to invest in such a project " Zhou Zhilie took a sip from Chen Kangjie's small teacup and asked after he glanced at Chen Kangjie and the others.

Tan Jian and Chen Jundong didn't know how to answer this question that popped up suddenly, and they all looked at Chen Kangjie.

"President Zhou, since we have come to talk to you, we have made relevant preparations. In terms of funds, we have invested 500 million in the early stage, and this 500 million is just to open the first special store. If the effect of the first store is If it is good, we will consider expanding in the provincial capital and surrounding cities. You just mentioned that as students at school, we do not have much money. For the 500 million, we plan to use our Internet cafes to borrow 100 million. Regardless of the location of our Internet cafes, The number of computers, the area, and the monthly turnover, etc., are worth 100 million. In addition, the five of us will find ways to raise 100 million from various sources." Zhou Zhilie was a little shocked when Chen Kangjie opened his mouth .

Zhou Zhilie never thought that the five students in front of him could come up with 200 million.As the president of the bank, he has not seen 200 million, or 2000 million, or [-] million, which is just a regular number in his work.

"You have an Internet cafe worth over one million?" Zhou Zhilie asked in surprise.

"Yes, Ge Zihao, save President Zhou Jie from our Internet cafe." Chen Kangjie nodded, and then instructed Ge Zihao.

Ge Zihao then introduced how they opened such a large Internet cafe with very little investment, and the monthly income and expenditure and surplus are also clear.

"Hehe, it's amazing. A hero is born in a young age. Speaking of which, each of you is richer than me." Zhou Zhilie praised happily.

Zhou Zhilie didn't lie, his ability to climb to this position had a lot to do with his clean hands and feet.There was a competitor who wanted to punish him before, but the higher authorities did not find out that Zhou Zhilie had other assets besides his legal income.That time, not only was Zhou Zhilie not punished, he was promoted to a higher level by a blessing in disguise and became the president.

If Zhou Zhilie is "flexible" like everyone else, then in his position, it would be a child's play to casually make tens of millions.But he didn't do that, so in terms of property, he really doesn't have much. Of course, unlike what he said, Tan Jian and the others are all richer than him. He still has a family property of three or hundreds of thousands.

"President Zhou, this shows that you are a good cadre, otherwise, wouldn't it be easy for you to move your fingers and earn tens of millions in minutes?" Chen Kangjie seized this opportunity and slapped Zhou Zhilie's face hard. Flattery.

Zhou Zhilie wouldn't catch a cold if others flattered him like this, but Zhou Zhilie was very happy and proud when the same words came from a college student.Because he didn't think that a simple college student would be so sophisticated and courteous.

After laughing, Zhou Zhilie continued to ask: "Even if you borrow money and raise money, it's only 200 million, which is still far from the 500 million of your first store, let alone other expansion investments. Those How do you solve it?"

Zhou Zhilie's question is a key test for Chen Kangjie and the others. If they can't solve this problem, then Zhou Zhilie won't have much confidence.

Zhou Zhilie can often see the so-called good projects and good planning.However, many projects sound good, but are difficult to implement.

The key to testing whether a person is good or not is his ability to execute and solve difficulties.Otherwise, they will become people who can only talk on paper, like Ma Di and Zhao Kuo, who have few opponents when they talk eloquently, but they are completely defeated when they go to the battlefield, so what's the use of that.

Just now Chen Kangjie asked Ge Zihao to tell them about their experience in Internet cafes. In fact, he wanted to show their strength from the side. They are not novices, especially not the kind of novices who can only talk about it.

Zhou Zhilie appreciates Chen Kangjie's ability to set up a large Internet cafe with very little investment and earn money, and it is precisely because of his appreciation that he is interested in asking, otherwise, he would not so.Don't think that the president of a bank will have nothing to do.

Chen Jundong and the others still didn't dare to ask this question, because they didn't know the bottom line, and they didn't know where to find the money, let alone millions of dollars.Since he had no idea, of course he could only look at Chen Kangjie nervously, to see how he would answer to resolve it.

"President Zhou, there are already venture capital foundations willing to support us with the remaining funds." Chen Kangjie said affirmatively without panic.

"Have you found a venture capital foundation? There is already a foundation willing to help you with your investment?" Zhou Zhilie put down his teacup and asked with widened eyes.

"Yes, Lichuang Venture Capital Foundation, they agreed to invest in us, the first phase is 300 million, if a bank cooperates with us, then they can invest up to 2000 million, more than 2000 million, at least four times can be operated at the same time We have five stores, and once the project is put into operation, we can open one store in an average of two and a half months through the transfer of profits." Chen Kangjie said confidently and firmly.

Don't say that Zhou Zhilie was surprised by Chen Kangjie's words, even Tan Jian and the four of them felt sudden nervousness in their hearts.They hadn't heard of any Lichuang venture capital foundation willing to invest, and more than 2000 million at once.

Lying, Tan Jian and the others decided that Chen Kangjie must be lying to fool Zhou Zhilie.However, they didn't dare to express this suspicion clearly. Once Zhou Zhilie found out that Chen Kangjie was lying, then their project would be over.

As for how to make up for this lie loophole in the future, that is the next step.

"Li Chuang Venture Capital Foundation is willing to invest? Are you talking about the foundation managed by Zhong Kefan, a celebrity in the investment circle in the province?" Zhou Zhilie wanted to confirm.

If it is really this venture capital foundation, then Zhou Zhilie's confidence will be greatly increased.Because this venture capital fund has not been around for a long time, but among the dozen or so projects they have invested in, each of them has achieved success and good results. Because of this, Zhong Kefan has become a member of the investment community. celebrities.

"Yes, it's them." Chen Kangjie nodded firmly, no one could see the slightest flaw from his demeanor and expression.

"Okay, okay, I didn't expect Lichuang Venture Capital Foundation to also take a fancy to this project of yours." Zhou Zhilie said with emotion.

"President Zhou, do you also have the interest and willingness to cooperate?" Chen Kangjie asked with a smile.

"Of course I have interest and willingness, otherwise we wouldn't have talked for such a long time. However, I still have to ask, where does our profit come from? How do you define your profit? Will there be any in the middle?" Unnecessary entanglement" Zhou Zhilie is a serious person.

"No, the definition is very clear. Our profit is the normal profit from product sales, and what the bank earns is the loan interest. President Zhou, in fact, through this kind of small loan for private individuals, your loan interest is actually higher than other It should be higher. The interest rate for ordinary commercial loans is [-]%, but this kind of small personal loan can get [-]% interest, not to mention the zero point higher interest rate. Four or five, the risk is actually very small. If a large company defaults, you may face losses of millions, tens of millions or even hundreds of millions, but this kind of small loans for individuals, even if someone appears If there is a problem, the loss is only a few thousand yuan. And there are not many cases of this kind, and the situation that everyone collectively defaults is almost impossible. In addition, if consumers default, the cost of breach of contract will far exceed The interest rate is [-]%, or even ten times, or a hundred times. From this point of view, the overall actual interest rate of the bank is actually more than [-]%. Moreover, banks are more effective when targeting personal loan borrowers. Even if you win the lawsuit, most of you won’t get the money.” Chen Kangjie’s answer was very detailed, not only explaining their respective profit distribution, but also It also expanded the bank's profit sources.

As for the fact that this sales method can increase the sales of goods, improve people's lives and promote the production of enterprises, it has been mentioned and described in the previous introduction, so Chen Kangjie will not mention it anymore.

Zhou Zhilie waited for Chen Kangjie to finish speaking, and fell into a kind of deep thought.

But Chen Kangjie and the others didn't interrupt Zhou Zhilie's thoughts. They all knew that they had entered a critical period of making a decision.Once Zhou Zhilie approves, then their project can actually enter the start-up stage.If Zhou Zhilie backed down, then there would be nothing to talk about.

Even though he already felt that Zhou Zhilie would not object, Chen Kangjie was still a little apprehensive. Before a final decision was made, it seemed that all changes were possible.