Huayu started as a substitute director

Chapter 359: Money is nothing

The sun began to set and the three of them were still talking, with my uncle pondering the pros and cons of this.

He was reluctant to express his concerns in front of Fang Hong.

I can't just say, I'm afraid you'll run away, so for the sake of my niece, I won't lend you money. That would be too hurtful.

Fang Hong and Liu Tianxian did not disturb her for the time being and waited for her uncle's reply.

"Drip drip."

Liu Tianxian's phone suddenly rang. She picked up the phone, looked at it, and answered it. She lifted her long hair by her ear and said, "Hello, Mom."

"Xixi, when will you come back for dinner?" Liu Xiaoli's voice.

"I'll be back soon. By the way, my uncle is here, please cook more food." Liu Tianxian said.

"Ah! When did you come? Why didn't you tell me?" Liu Xiaoli sounded surprised.

"I just came today." Liu Tianxian said.

"Your mother, let me say a few words to her." When the uncle heard that it was his sister's voice, he motioned Liu Tianxian to hand over the phone.

"Uncle is telling you!" Liu Tianxian said, and handed over the phone.

My uncle picked up the phone: "Hello, sister."

"You didn't even tell me you were coming so I could pick you up." Although Liu Xiaoli's tone was reproachful, her words revealed happiness and joy.

"I just got here and wanted to give you a surprise!" said my uncle with a smile.

"Stay a few more days if you come."

Liu Xiaoli said again: "Hey, you should have seen that boy, right?"

"I saw it." Uncle glanced at Fang Hong.

"Then you can talk to him, he's a pretty nice boy." Liu Xiaoli said.

"Okay!" My uncle also had an idea in his mind.

It seems that his sister is also optimistic about this man and seems to trust him very much.

"Come over for dinner later." Liu Xiaoli reminded.

The two chatted for a while, and then the uncle hung up the phone and returned it to Liu Tianxian.

"Xixi, your assets are definitely not enough. After all, the amount is huge." The uncle wanted to leave his niece aside, and what he said was true.

Liu Tianxian's assets would not be too much, at most a few hundred million, and this is even with the current surge in housing prices.

Because Liu Tianxian bought houses early, she bought several houses in the 0s.

This is also the reason why banks require houses and cars as collateral. They are really good at preserving their value. They will maintain their value in the next ten years, even ten years later.

I didn’t say it would fall, so it’s not allowed to fall!
Those who understand will understand how much loans secured by houses will be affected by this fall.

"What should we do then?" asked Liu Tianxian.

My uncle thought for a moment and said, "You need a guarantor. Without a guarantor, you won't be able to pass. Even if I let you go, you still have to follow the basic rules."

"What if it's less, 50 billion." Fang Hong didn't want to borrow too much. If he borrowed too much, the interest would be high in a year, so it was better to be cautious.

"50 billion? Is that enough for you?" asked my uncle.

It was just 70 billion, and now it’s 50 billion. The gap is a bit big.

"It's basically enough. If not, we'll discuss with the acquirer to see if it can be less, in installments." Fang Hong could only explain this way to make up for Liu Tianxian's high demands.

My uncle asked, "Which company are you going to acquire?"

"Shanda Literature." Fang Hong said.

"Oh, less would be better."

My uncle didn't know what Shanda Literature was like, and he didn't pay much attention to it. He added, "But you still need a guarantor. If you have a guarantor, I can lend you the entire amount. Do you have a guarantor?"

This is much better than CITIC at that time. CITIC could only give 18 billion, but this time, as long as Fang Hong provides a suitable guarantor, he will be given 50 billion.

It’s still much stronger if there is a relationship!

But Fang Hong shook his head: "No."

"You have no assets and no guarantor? Don't you have anyone in your family who can contribute?" My uncle couldn't help but speak, not knowing what to say.

At least you have a few friends and family members you can trust. How did you get by without any of these?

"50 billion, who would dare to guarantee it for me unless it's someone I trust absolutely? I only have my mom at home, and she doesn't have that ability." Fang Hong said bitterly.

My uncle was silent. Of course he knew this.

Guarantees require the assumption of responsibility, which means that if the debtor cannot repay or runs away, the guarantor will have to repay.

Therefore, the ones who can provide a guarantee are either close relatives or people you absolutely trust. Otherwise, who would dare to provide a guarantee?
If you borrow 50 billion and run away, the guarantor will have to pay back the money, that's it.

These are lessons learned from the blood of many people.

But the guarantor must have certain qualifications. People who are obviously poor and have no money are not qualified to guarantee. Fang Hongma is definitely not qualified. How can a rural woman have such ability!
"Don't worry, I'll think of a way for you. Just organize your information for me first, and I'll talk to my friends when I get back. I can't guarantee how much you can loan, but I can still try my best to get 30 billion for you. As for the subsequent money, I'll think of other ways." The uncle comforted her and really wanted to help.

After all, my sister and niece both approve of this man, and maybe they will become family members in the future.

"Thank you then. If it's too difficult for you, forget it." Fang Hong nodded. If it doesn't work, he can borrow 30 billion first. 30 billion can last for a while.

At worst, we can wait until next year to acquire the company and give Chen Tianqiao the remaining money after selling Tesla shares.

The reason why he doesn't want to wait until next year is that he is afraid of competing with Tencent. Who knows if Chen Tianqiao will be tempted by Tencent's investment? It's hard to say what will happen in the business world.

If someone offers an extra 1 billion yuan, who can guarantee that they won’t be tempted? It’s hard to say what human nature is.

In its previous life, Tencent was Shanda Literature, which was acquired in 14.

"It's not a big deal." This is all my uncle could do.

After listening for a while, Liu Tianxian roughly understood why Fang Hong couldn't borrow so much money, and also knew where the problem lay. It turned out that Fang Hong's background was too poor.

If this man had a slightly better background, these billions would not be a problem at all.

Because anyone who can borrow a large sum of money from a bank will have a few respectable people in his family who can take on the responsibilities, which means he has certain family conditions.

Such a family can help the younger generations solve financial problems, help them get started in the early stages of their careers, and provide them with resources.

Just like his godfather, he was helped by his family and took out a loan from his uncle, otherwise he wouldn't be where he is today.

Even if he has stumbled, he is still far better than an ordinary person.

This is also the reason why it is not easy for ordinary people like Fang Hong to start a business. It is not a question of being smart or not, but a big problem of funding.

Not to mention talents and resources? If you can know people who are more talented than you, that's a skill.

Fang Hong is cultivating his own talents as always. It's very simple. Why should he give other people's talents to you?

Why would talented people follow you?
"Uncle, can you please let me vouch for him?" Liu Tianxian said.

"what?!"

My uncle seemed not to have heard clearly, but his expression began to become surprised.

Fang Hong also looked at her in shock.

"I said, I will guarantee him. I am a star, so I have some value and assets. If Fang Hong can't pay it back, I will make money to pay it back for him, or sell my assets to pay it back for him." Liu Tianxian's eyes were firm and her face was calm.

"Now You See Me" was a huge hit and did well at the overseas box office. Her net worth is now skyrocketing and she is fully capable of guaranteeing this.

Apart from anything else, as long as Liu Tianxian works hard, he can still make hundreds of millions a year.

Liu Tao was able to pay back hundreds of millions for her husband. No matter in terms of commercial value, brand value, etc., Liu Tianxian will never lose to her!
"Do you know what you are talking about?" Uncle's face changed.

"I know. I'm serious." Liu Tianxian said with certainty.

"Come on, come here."

My uncle stood up and waved to her.

Liu Tianxian stood up, gave Fang Hong a look, and patted his shoulder to reassure him.

Then she walked aside and talked to her uncle alone!
Fang Hong didn't know what to say and sighed in his heart. Liu Tianxian really had nothing to say to him and was willing to bet her entire fortune on his rise.

How could he repay her? He could only pledge his love to her!
"If this person can't pay back the money, or if there are any problems with the funds, you will have to pay back the 5 billion. Do you know that?"

My uncle said quietly, pointing, "How much money do you make in a year? Even if I help you lower the interest rate to a very low level, you still have to pay back at least 1.5 million a year. This is just the interest, not the principal. Do you want to work all your life to pay it back?"

"I don't understand those things. I only know that I want to help him. If I don't help him, no one can help him." Liu Tianxian said in a firm tone.

Of course she understood all this, but she didn't want to understand it now. If she understood too much, she was afraid that she would become frightened and start to hesitate.

"Chang'e Technology is making a loss, at least hundreds of millions a month. Do you know what that means? This means that even if they put their Yutu in, it won't be enough to make up for the losses. There is also a company in the United States, right? It still won't be enough." The uncle spoke earnestly, with the aim of making her niece give up.

He looked at Fang Hong's financial report. To be honest, the company was developing too fast. There was no sedimentation and capital accumulation. With this speed of development, it would take off without any problems.

But if something goes wrong and the whole thing collapses, Fang Hong will definitely be a dishonest person, because even the Jade Rabbit and Flower Planting Family cannot fill that hole.

He even suspected that Fang Hong was a gambler. It was too dangerous!

And they haven’t even gotten married yet, what if they can’t get married?
He was not doubting the boy's character and not paying back the money, but was afraid that he could not pay it back. This has nothing to do with morality or character.

What should I do if I simply can’t pay it back?
He was just considering his niece and wanted her not to fall into this kind of debt risk.

"Uncle, I am going to marry him. If I can't stand firmly with him and face everything, how can we face the ups and downs in the next few decades?"

Liu Tianxian continued: "You may not know that we have been through a lot to be together, and we have been able to get through it because we have given each other enough trust, enough sense of security, and enough tolerance.

Since I can tolerate him as a person, what does money mean to me?"

The two of them have been through a lot, including disagreements, quarrels, and even thinking about breaking up.

But what keeps them going is the unparalleled sense of trust.

He trusted her and she trusted him!

Without enough trust, they would have dispersed long ago.

(End of this chapter)