Rebirth of financial migrant workers

Chapter 344 Not a big problem
Liu Sheng held the wine glass in his right hand and shook it gently.

The white wine in the cup was swirling rapidly, rising and falling.

About three seconds later, Liu Sheng put down his wine glass and suddenly said:

"Chunliang, I have two more questions. First, the first one, why not just use all 1.8 million yuan in venture capital?"

Wang Chunliang had long expected that the other party would ask such a question, and patiently explained:
"Brother Liu, the financing plan I designed for you is sustainable.

The development of Imperial Technology cannot be separated from the long-term and stable support of commercial banks, and among the banks currently available to you, the most suitable one is undoubtedly Mule Bank.

Not only because Imperial Technology already has an existing loan of 3.5 million yuan in Mule Bank, but also because the head office of Mule Bank is far away from the imperial capital and will not be disturbed by negative news about Imperial Technology's headquarters.

Next, in order to build a long-term relationship, daily working capital loans are essential.

If Difang Technology all chooses venture capital this time, then Mule Bank executives will think that you intend to give up the cooperative relationship with the bank."

Wang Chunliang paused for a moment and added again:
"Perhaps Brother Liu, you would also like to ask why Difang Technology doesn't just apply for a current loan of 1 million yuan since the bank's working capital loan limit for a single enterprise is 1 million yuan. Here we have to mention a mandatory regulatory requirement for commercial banks. The regulations stipulate that the total amount of loans granted by a bank to a single enterprise shall not exceed 10% of the bank's net capital value. If you already have a project loan of 3.5 million yuan in Mule Bank, if you apply for a current loan of 1 million yuan, will exceed the above specified value.”

Wang Chunliang stretched out a finger: "One month."

Regardless of the outcome of the bet, Imperial Technology will be able to obtain 1.8 million yuan in financing.

As mentioned just now, similar incidents have occurred many times in mainland China and Wanwan in recent years.

Although he didn't quite understand the regulation mentioned by the other party, Liu Sheng still felt that his question had been comprehensively answered.

He nodded with satisfaction and continued to ask the second question:
"Since it is a bet, a time limit must be set. It cannot be indefinite, in case the order dispute drags on to next year."

After two weeks, the mainland will definitely choose to forgive the other party for this unfilial son.

However, in this case, financing matters will have to wait for a month before the results of the gamble can be carried out, which may affect the research and development progress of the 8.5-generation screen project.

Wang Chunliang, who had been watching Liu Sheng's expression, seemed to see the other party's concerns and answered in advance:
"During this month, I will handle the working capital loan line of Mule Bank and the investment approval of Mule Horse Company in advance. After the bet expires, Difan Technology can seamlessly obtain the funds."

"Good boy, just go through the approval process without waiting for the results to come out. You have already determined that you will win the bet, right?"

Although there was a lot of noise every time, and the superiors condemned and condemned again and again, in reality the stalemate lasted for at most two weeks.

Assuming that the other party wins the bet, that is, the mainland finally gives up buying displays from Wanwan, the future development of the situation is likely to be the country's determination to invest heavily in local companies and develop its own high-end displays.

Hearing this, Liu Sheng lowered his head, held his chin with one hand and began to calculate in his mind.

"No, when you bet, you must first believe in yourself. Brother Liu, I'm in stud now, what about you?"

Liu Sheng narrowed his eyes slightly.

The bet period is set to one month, which is very reasonable.

Now this display purchase order totaling US$44 billion will certainly not violate this iron law.

This will be good news for Imperial Technology, as the other party's venture capital can also realize equity appreciation, ultimately achieving a win-win situation for both parties.

Assuming that the other party loses the bet, that is, the order cooperation between mainland China and Wanwan remains the same, the difficulties of mainland display screen companies such as Imperial Technology will further intensify.

Therefore, in this case, the financing plan provided by the other party does not include venture capital, and all becomes bank loans with joint liability guarantee provided by the headquarters.

It all seems reasonable. "Chunliang, if I win the bet, how can you guarantee that you can convince multiple commercial banks to provide a loan of 1.8 million yuan to Difang Technology?"

Wang Chunliang nodded in the direction of Zhao Gang at the dining table, and Liu Sheng understood.

Wang Chunliang's next words gave Liu Sheng reassurance:

"If I lose, Imperial Technology can still choose to obtain investment from Luoma Company. In this case, you only need to sell 10% of the equity of the new subsidiary."

Faced with this kind of bet that you may win, but I will definitely not lose, Liu Sheng felt that he had no reason to refuse.

He picked up the wine bottle, faced Wang Chunliang, and said loudly: "Okay, I'll follow!"

Lao Sun, who had been slumped in a chair with his eyes closed and concentrating, was excited after hearing this and hurriedly asked Zhao Gang beside him:
"What happened? What did Mr. Liu follow?"

Zhao Gang smiled slightly and picked up the wine bottle:
"The financing framework for a total of 1.8 million yuan from Bank Enterprise Investment has been negotiated. Mr. Sun, I will have to ask you for your advice in the future."

Lao Sun looked confused, but it was a great blessing to be able to raise 1.8 million yuan.

How can we celebrate good things without drinking wine? He picked up the jug in front of him that had been filled by someone unknown, and drank it all in one gulp after touching it with Zhao Gang.

After that, Lao Sun collapsed on the chair again.

11 o'clock in the evening, in the bedroom.

Wang Chunliang worked hard and evaporated the alcohol in his body.

The car had been parked in the garage for a while, and when I touched the steering wheel again, it felt a little fresh.

After driving continuously for more than half an hour, Wang Chunliang finally let go of the accelerator when the engine started to sound a little hoarse.

The house finally returned to peace.

About ten minutes later, Sister Jun, who had recovered, asked quietly:
"Where is the third floor of Guiren Building?"

"not sure."

Sister Jun's right hand has already been twisted on the thin flesh of Wang Chunliang's waist:
"Not sure? Then you ask Zhao Gang to take the people from Imperial Technology there?"

Wang Chunliang closed his eyes and began to pretend to be dead.

Sister Jun had no choice but to ask about the business:

"The bank's 1.8 million yuan of 8 million yuan of financing is not easy to solve. If there is no 3.5 million yuan of project loans, the 8 million yuan of current loans only need to go to the seven-person loan review meeting of the branch. Your senior brother can take charge of the overall situation. But including project loans, that falls under the authority of the head office’s loan review committee, and the approval process is difficult.”

"Yeah, that's right."

"Even if you pass the approval process, the supervision will find out about our current loan and find that the guarantee method is the parent company's over-guarantee. Also, it is estimated that it will be difficult for the Luoma Company Investment Committee to approve your investment application."

"Yeah, sure"

"speak nicely!"

"It's not a big problem."

(End of this chapter)