this man is not calm

Chapter 339 Broken Heart
Great-grandfather Huang Zhengkuo didn't let Jin Shang wait too long. After nearly a week of busy work, he almost completed what Jin Shang asked for.

After being busy and busy, finally finishing the work that was delayed during the business trip, Jin Shang took a closer look at the overall plan sent by Lao Huang.

The money-finding plan is very fancy and messy. After omitting those minutiae, the core idea is actually very simple.

Lao Huang sold a large number of assets in his hands to Jin Shang, and the price was not cheap. For Xiao Jin, what he could expect was the huge appreciation of these assets in the future.

If you hold it in your hand, it won't be a loss in the long run.

Unfortunately, Jin Shang didn't have that much money to invest in the purchase. Even if he had money, he didn't intend to buy it so recklessly.

Where does the money come from?
Lao Huang used his influence to form a syndicate, put a large amount of money in the bank, and gave it to Jin Shang as purchase funds. Of course, the money did not pass through Xiao Jin's hands, but just circulated around the bank and went back.

This money finally fell into the hands of Lao Huang, which was equivalent to directly cashing out assets that would be difficult to realize for a while; and the syndicate was not stupid, holding such a dangerous "giant thunder" in its own hands, and instead transferred the debt Package it as a financial product and sell it to customers, making less money on the price difference, but getting rid of the risk, earning a wave of channel fees, and quickly withdrawing funds to continue investment arbitrage; ordinary users without financial investment capabilities can buy it Satisfied with investment products with higher interest rates than bank deposits; Jinshang used very low-cost loans to acquire real estate with huge potential for future appreciation.

On the surface, it seems that there is no loss. In fact, Lao Huang and the syndicate have really made a profit and are firmly on the Diaoyutai. Jinshang bears the risk of repaying principal and interest. Customers who bought financial products have lost all their money after being defaulted. risk.

When the core of a financial product collapses, everything will be wiped out. The foundation for its continued operation is that the financial product still has money and is willing to pay it back.

Although it is not serious, the "broken window theory" is really not a lie. When the house leaks, it rains all night, and the ship is late and encounters a storm. When a bad thing happens, it is often followed by a series of troubles.

"Then...you don't want it anymore?"

During afternoon tea time, Jin Shang signaled to the worried Li Xuan to calm down and rubbed his chin with a half-smile.

In addition, this plan is also interspersed with a series of more or less pitfalls such as foreign exchange futures, trust issuance, asset guarantees, fund custody and repayment methods.

"I'll go back to Lao Jin for some good stuff. I can't make up for it with some second-rate goods that I won't be able to use for a while and can't be sold at a high price. I have to pick a few more items to add to them without raising the price."

"It has nothing to do with that. It's no good. Who the hell would play house and drink with him? This is not just business, but also human relations. It's not like you can't play without him. You have to make him realize that there are only special benefits, little one. Only then will I help.”

After reading it carefully, Jin Shang couldn't help but reveal a playful smile on his face.

Before he truly became a rich man, Xiao Jin could only repay part of the interest, and he could not do anything about the principal.

To be honest, the jokes on the Internet about those people who owe money to uncles are not entirely true, especially about those who owe money to banks. In most cases, ordinary individuals cannot owe that much money. If they really do it, they won’t. The purpose of providing you with money is to make it as convenient as possible while ensuring the safety of your funds.

"I don't even think about whether this young master can bear it or whether he is willing to cooperate. It's not me who asked for it, but him who rushed to deliver it to me. With this attitude, he doesn't think that we are kneeling down to beg for food, right? "

Of course, the solution is to borrow new and pay back the old.

Loans to private enterprises are inherently difficult, and low-interest and huge loans are even more impossible. Since you have decided to increase leverage, just step on the accelerator to the end. As for the loan being tied to an individual, don’t be stupid. When Lao Jin is here, Jin Shang will be honest. After all, there are plenty of ways to get out once he's gone.

"Yes...of course I want it. They sent good things to my door, and they even contacted me for a loan. How could I turn them away? However, there are too few good things, so I have to add more."

If Jin Shang does not want his debt to get bigger and bigger, he must work hard to repay the interest and pay back as much principal as possible to slowly reduce his own burden.

Unfortunately, Jin Shang has no money, at least not now.

Although the loan interest is extremely low, the principal base is large and the pressure to pay interest is not small.

This is because when some of these assets are being developed and utilized, part of the income can be earned and deducted. Among them, rents from land and shops, office buildings and warehouses are basically the main ones.

Hearing this, Jin Shang looked at Li Xuan and replied matter-of-factly:
"Why should I pay back the money I borrowed based on my ability?"

“But how can we pay back this much money?”

Lao Huang's method is quite considerate. He knows that Jin Shang doesn't have the ability to pay back the money now. If he insists on forcing it on him, no one will be stupid enough to shoulder a heavy burden on his own.

"This...third-party evaluation is not that easy to talk about, right?"

The key is to be strong enough. People who can really borrow so much money from banks are powerful enough to be feared. The reason why they are afraid of others is not because they owe a lot of money, but because they are uncles in the first place.

The relationship between cause and effect cannot be mistaken.

Only people who don't know the truth will believe those jokes.

Jin Shang kept saying that he would not pay back the money, not because he was defaulting on the debt, but because he was fully practicing the concept of using other people's money to make money for himself.

After all, someone wants a loan, at least in the hands of Jinshang, it is more efficient, safer, and can maximize profits.

In addition, the next monetary easing period is coming. Every year, inflation can reduce a large part of the real debt. Interest rates cannot beat inflation. The nominal interest rate is negative. At this time, if you can not pay back the money, it will be Try not to pay back the money, and even resort to borrowing more money.

As for how Lao Huang managed the upstream and downstream channels and helped Jin Shang get a loan, who cares, as long as he has the money.

"In addition, we have to ask Lao Huang to increase the credit limit. The first year will be interest-free, and the interest will be discounted and exempted in the second year, and then it will be kept as low as possible."

"is it possible?"

"When it comes to negotiating terms, you have to be bold. You don't even dare to mention it. How can others give it to you? Even the death squads who are about to charge into battle must be given a bowl of good practice wine before they go into battle? This belongs to their Huang family. It’s a big deal. I’m just a kind-hearted member of the Jin family, and I’m not a member of the same group. I’m too polite to them, so I think I’m easy to bully.”

"Now...you feel more or less like a lawless and dandy young master."

Li Xuan smiled slightly and said to Jin Shang,
"Looking at how confident you are, I guess there will be a near miss this time on the tightrope, right?"

"As long as Lao Jin doesn't kick his legs within three years and doesn't cut off my way of 'borrowing new things to repay old ones', it won't be a big problem."

Xiao Jin, who stretched out and worked overtime for several days and had no time to "fish", said carelessly:
"I guess Lao Huang thought he gave me enough profit expectations, but he underestimated the role of the World Trade Organization in promoting the domestic economy. After weighing the real estate and financing costs, according to the estimates of the domestic mainstream model, it is only an annualized percentage The actual income is less than 5%. However, my personal estimate is that it should be more than 8%, and it may actually be higher.”

"Is it going to be more than ten percent?"

"There may be outbreak years, but it will be difficult to sustain for a long time."

People in this world have not actually seen how terrifying the export-oriented economy will be under the great wave of global integrated trade. Jin Shangke has experienced it personally.

When huge amounts of foreign exchange holdings push the broad money supply to soar, inflation is almost unstoppable.

What you borrow is what you earn. This sentence is not true, but it is very correct for a specific person at a specific time. It just so happens that when the time comes, Jin Shang is also very eager for huge amounts of funds to fuel his career. A "genius entrepreneur" who has the ability to use money to make more money.

The longer the duration of the low-interest loan is extended, the more beneficial it is to Jinshang. Of course, this can only happen if Jinshang is able to pay the minimum interest and guarantee not to default.

In fact, as long as Jin Shang doesn't care about face and goes all out to "open for business", he can really afford it. I'm not so nervous now because I haven't reached the point where I need to worry too much. Even so, the benefits of "blackmail" cannot be reduced at all.

"Think more about it, and let's finalize it by the end of this month. After all, I am also his true great-grandson. If the younger generation wants to be free and happy, I have to show it."

Normally Jin Shang is too lazy to get close to the people of Lao Huang's family, as there are no benefits, but now if he puts down his face a little, it will be of great benefit. If he tolerates it, it will be over.

Make money, not shabby.
-
In the afternoon, Xiao Jin, who was in a good mood, cleared up the backlog of work, put down a big stone in his heart, and received a report from the operator on the number of new PHS users.

The trial went smoothly and after being promoted throughout the capital, ordinary people may not know the difference between mobile local calls and standard mobile communications, but the smart, fashionable, cheap and convenient PHS has become a part of life.

Correspondingly, under the impact of mobile phones, Big Brother, whose status was in jeopardy, suffered another heavy blow, and its sales fell off a cliff. Not many people showed off this "silly, bulky" communication tool anymore, and even it still occupied a certain market All the pagers in the country have suffered a "disaster". In the three districts of Jinxi alone, several paging stations that have been booming last year have been "shut down and replaced".

Nine hundred thousand!
This is the number of PHS users in Beijing today, and it is just around the corner to break one million.

This data looks very scary to outsiders, but Jin Shang feels that there is still room for improvement.

The hope of breaking 10 million in three months was probably dead. Although it only appeared in a dream, it was still a bit disappointing when it actually shattered.

As of 1996, how many mobile phones were there in the country?
Three million is definitely exceeded, but five million is most likely not.

In a short period of time, the mobile local calls that were hastily launched in Beijing accounted for more than one-third of the country's mobile phone users.

If the negotiated cities in the south go online smoothly, the number of PHS users will most likely exceed 15 million before the Spring Festival.

Before persuading Hao Qilian to hand over this business to Jin Shang, this goal was shouted out by Jin Shang. At that time, everyone thought it was too exaggerated. Looking back now, it seems to be a little conservative.

What a glorious victory it would be if it were promoted nationwide?
One hundred million users a year?

This is crazy. If you have 60 to 70 million users, you will be very satisfied. To reach 100 million users within two years is a victory.

Hardware sales are not very profitable, and the cost of base station deployment and maintenance is also slightly higher. However, based on comprehensive calculations, the future phone revenue based on PHS is still very considerable.

This is also one of the major contributors to Jinshang's company's profits in recent years, and has placed many people's expectations on it.

Correspondingly, the SP (wireless value-added service) in its initial stage also gave Jinshang many surprises.

Jinxi Culture, which holds the most famous and most widely sung pop songs in the past two years, has also made a lot of gains in ringtone customization, ringtone services, third-party services, etc. Even if it has to be divided with basic operators, it falls to the company The amount on the account is still over ten million.

And these incomes basically belong to the category of copyright development, the cost is extremely low, and the gross profit is terrifyingly high.

Around the millennium in the previous life, a certain popular song on the streets suddenly became popular. The singers of these "salable songs", relying on income sharing such as ringtones, earned hundreds of millions a year, earning more money than they could spend in several lifetimes. The myth of instant financial freedom is not just one or two.

Nowadays, when mobile phones are not popular, having an income of tens of millions is already very impressive.

It is foreseeable that when PHS is spread all over the country, the income of SP business will undoubtedly increase.

The business sectors under Jinxi Culture basically have similar phenomena, and they complement each other and promote each other.

This is the power of the "ecological chain" that matures, forms a complete "ecological network", and builds an unfathomable moat.

Good news came one after another. Jin Shang, who had been in a bad mood for almost a week, felt a little better. He was thinking about whether to release the new album at the end of the year as early as possible to make quick money. By the way, he fulfilled the promise he had made to Mei Fengchun. .

After going to Jinxi Music, director Zhang Qian talked about another thing.

"A variety show in collaboration with a music channel?"

I have made several attempts before and it seems to be going well. This time I am planning to launch a large-scale variety show. The other party attaches great importance to it. After tinkering for a long time, I have the current plan.

"Tian Xiaoling, are you serious?"

Is this something played by modern people?
Even if it is a similar game, the difficulty is much lowered, and the general audience cannot understand it and experience the fun. The guests may not have the ability to play back and forth.

In ancient times, poets in the prosperous Tang Dynasty would improvise lyrics at banquets and use them as drinking orders. Later, people called short poems Xiaoling. Song lyrics and Yuan music both have a strong influence of Xiao Ling. Most of the poems written in the early Song Dynasty were composed of small orders. Later, some of the poems were named "ling", which had a fixed rhythm and was suitable for singing.

Drinking and having fun, borrowing objects to express emotions, talking about love, etc. Xiaoling is everywhere. In fact, it is an improvised literary and artistic creation game. It is the same as pairing, solving lantern riddles, three and a half sentences, drinking orders, etc.

In the movie "Tang Bohu Spots Autumn Fragrance", the humorous battle between Tang Yin and the "King of Duel Kings" versus Chuanchang is, strictly speaking, a type of throwing a small order.

When literati gather together, they will often read poems that stipulate certain propositions and special requirements. They will comment on each other, praise each other, and recite poems to write poems. This is also the case.

In the classic literary novel "A Dream of Red Mansions", there are many scenes where Jia Baoyu and the women pass the time in the Grand View Garden. The exchange of poetry appreciation between you and me is quite typical.

Among the people, there are actually similar forms of literary and artistic works, simple games, mutual tributes to love orders, etc. What is more widely circulated is the antiphonal song. Huangmei Opera is a classic, a quintessence of masterpieces, and that paragraph can well illustrate its characteristics.

"The man looked at the flower and the sister looked at the flower, and they went to the field ridge. They dropped a seed and sprouted a bud. What kind of stalk or leaves? What kind of flowers bloomed? What kind of seeds did they produce? What kind of powder did they grind? What is this flower called? What is the name of this flower?

The man and the girl looked at the flowers, and they went to the field ridge in pairs. Drop a seed and sprout a bud, with a red stem and green leaves, a white flower, black seeds, white powder ground, and black cake. This flower is called (Yeah, yeah, feed, feed, feed) (De'er, eh, eh, eh, eh, eh, eh, eh, eh, eh, eh, eh) is called buckwheat flower. "

Under the requirements of a certain rhythm, one question and one answer, and improvised lyrics, the requirements for the participants are frighteningly high.

In ancient times, only literati and poets with high literary accomplishments played the game, and ordinary people could only drink wine, punch, and shout a few words. With the current cultural literacy of ordinary people, they can understand antiphons in the form of opera. As for performing on stage, Jin Shang's knowledgeable ability and cultural level may not be able to do it.

After looking through it carefully and not commenting on the details, Jin Shang returned the plan and shook his head helplessly:

"It's not that I'm trying to find fault. If you can find a few that are reasonably well-known, have decent ability to read music and write lyrics, don't have stage fright, can barely do some 'old tunes', it would be great to make a comedy variety show. Delete, delete They keep compromising, and in the end it usually becomes something like 'I want to memorize the lyrics', 'Listen to the songs and identify the tunes' or 'Sing and answer questions'."

"I also think it's a bit too ambitious and unrealistic."

Zhang Qian smiled bitterly and said,
"The music channel was too nervous and too serious. They wanted everything, they had to be high-class, not lose their status, and the tone of music culture should be higher. As a result... when I got it, I almost didn't Dumbfounded. Just...don't know how to fight it back."

"I'll talk about this later. It's too exaggerated to do this."

"I've thought about it over there. I just need to make a script and rehearse it clearly according to the ready-made plot. I'll first find a veteran in the music industry to write it, and then let the director tell the guests..."

"It's not impossible to perform live, but the requirements for the guest's 'acting skills' are relatively high. It must be exciting and the audience must believe that they are performing on the spot. It is too difficult. If you have this level, why not act?"

You can't go on TV without a plan, but if a variety show looks fake and contrived, then it won't be worth watching.

(End of this chapter)