"You should also be able to find out that a month ago, I invested in two companies in the capital. In one of them, I invested 10 million."

"So, why do you think I should sell my shares when I'm not too short of money?"

"If you can give me a better reason, maybe I will consider it?"

Wang Min's proud advantage was broken and he was completely defeated;

Indeed, Ma Yibo is not short of money, and he also knows the head of Yuanfang Investment, so he is not short of resources;

So at this time, why do you still need money from other investment companies?

In particular, Wang Min's current preliminary valuation of Aunt Qin is less than 10 million;

Even if Aunt Qin accepts financing, she can sell at most 40% of her shares, which is only 4 million yuan;

Let’s not talk about the 10 million yuan invested by Ma Yibo in Didi;

Just last month alone, Ma Yibo re-injected 5 million into Aunt Qin, plus the turnover during the New Year's Day, there was definitely a lot of money in Aunt Qin's account. Although part of it was spent, four to five million was still

some;

Since the company has four to five million in cash, why does it need to sell shares in exchange for such unused cash?

Looks comfortable?

Obviously, Wang Min had nothing to do.

"By the way, you must have just graduated. What major did you study before?";

Looking at Wang Min sitting there and drinking coffee, he completely lost the lol aura just now;

Just like an awkward blind date scene;

Neither walking nor sitting;

Ma Yibo could only take the initiative to speak and find something the other party could talk about.

"Well, I graduated in August from Sun Yat-sen University, majoring in accounting, studying for bachelor's and master's degrees together, and studying psychology by myself";

At this moment, Wang Min felt like she was sitting with the interviewer when she was looking for a job last year.

Therefore, when negotiating, you must have your own rhythm and not be led astray;

Otherwise, you will always be at a disadvantage, and it will be even more difficult to rise again in the future.

Ma Yibo's eyes lit up when he heard Wang Min's reply. Sun Yat-sen University is a good school, ranked number one in South China, and it is a bachelor's and master's program in accounting.

Although he is self-taught in psychology, Ma Yibo did not realize how powerful Wang Min was;

But I think it must be because I just graduated and met such a cheater like myself, otherwise it wouldn't be like this;

And Aunt Qin, what is she missing now?

Everything is lacking;

What is most lacking is talent, especially highly educated talent;

I just had the idea of ​​restructuring a few days ago, and today someone came to my door like this;

Is this the so-called providence?

In Guangdong Province, many people believe in fate or providence. You can call it superstitious or ignorant;

And most of the people who believe this kind of thing are big bosses;

And among ordinary people, those who believe in these things are living a pretty good life;

Ma Yibo, who has lived for ten years, especially Ma Yibo, who has been in business for six or seven years, would rather believe it.

"Ms. Wang, it's like this. Our company currently has nearly 5 million yuan in funds in its account, and the payments with suppliers are also settled monthly. This means that there are almost 3 million yuan in stranded funds in our account every month.

Do you think how can we use it to maximize the value of the funds?"

sloppy;

This was Wang Min's first feeling;

It seems that I am still too young and take everything for granted;

Wang Min blamed herself a little, saying that she didn't expect Aunt Qin's capital chain to be so healthy.

Before, Wang Min felt that he could negotiate with entrepreneurs;

This time, I was tortured all over my body;

The other party has three to four million in accumulated funds every month. Does it still care about the millions of funds raised?

After giving up the idea of ​​investing in Aunt Qin, Wang Min slowly regained her confidence;

Without desire, be strong!

Before, it was because he wanted to invest in Aunt Qin, which was equivalent to Wang Min's desire for Ma Yibo;

But now, there is no need for this, and naturally the dilemma just now disappears;

Especially when Ma Yibo asked her about her major, she was even more confident.

"Mr. Ma, our company's cash flow is the largest cash flow I have ever seen among start-up companies in the past six months of working";

Ma Yibo was noncommittal, which means he just invested 5 million last month;

Without these 5 million, Aunt Qin would have demolished the east wall to make up for the west wall.

“Abundant cash flow is indeed a good thing, but these cash flows can have a greater effect”;

"You can ask your company's finance department to sign a short-term bridge service of 7-15 days with the bank, with the bank acting as a third-party guarantee. In this way, the funds accumulated by the company can generate greater profits instead of lying on the public account.

The bank’s dispensable demand interest”;

"The reason for letting the bank guarantee is actually very simple, which is to reduce risks. Even if the company we lend to the other party has problems, our principal and interest will be repaid by the bank";

"However, with this kind of bank guarantee, the interest rate of the bridge loan will definitely not be as high as without guarantee. After all, bank guarantees also have to be profitable";

"Also, with the expansion and development of Aunt Qin, we can also set up a cash pool";

The so-called cash pooling management is to realize the centralized management of funds in the form of centralized account balances. This form is mainly used when interest needs to be hedged, but the account balances still must be separated.

The main method is that the group first sets up a parent company account, which is the so-called cash pool. Each subsidiary sets up a sub-account under the parent company's account, and each subsidiary has a unified overdraft amount;

At a certain time every day, the banking system automatically scans the subsidiary's account and clears the subsidiary's account. That is, when the subsidiary has an overdraft, it will transfer it back from the group's cash pool, record it as a loan to the group, and pay

Interest;

If there is a balance, it will all be transferred to the group account, recorded as a loan to the group, and interest will be charged to the group.

In this way, through internal pricing among subsidiaries, each subsidiary can avoid the trouble of dealing with banks;

For enterprise groups, it saves the burden of interest differentials generated by the respective deposits and loans of subsidiaries.

"This method is mainly for financial services between large enterprises and their subsidiaries. At present, our Aunt Qin cannot use it";

“At the same time, within the scope of legal provisions, reasonable tax avoidance can also save a lot of money in this aspect”;

"By the way, you just said that the settlement with the supplier is monthly, it should be settled at the end of the month";

"If this is the case, I suggest that if new suppliers are added in the future, the accounting period should be extended as much as possible, and at the same time, reconciliation should not be done at the end of the month."

"For example, if there is a monthly settlement period of 4 million funds, 2 million funds will be counted as one monthly settlement period for 30 days starting from the 1st, and at the same time, for the other 2 million funds, 30 days will be counted as another monthly settlement period starting from the 15th."

"The advantage of this is that there will always be 2 million funds in the account as the company's liquid cash. If the supplier does not withdraw, it is equivalent to the company's running water. Although it is the supplier's payment, the actual user is

company".

Ma Yibo became more and more excited as he listened. Although among the four opinions put forward by Wang Min;

Ma Yibo knows all about using precipitated funds to make bridge loans and reasonably avoid taxes;

But if you know it, you know it, but you won’t know how to operate it.

That capital pool approach was something Ma Yibo had never heard of;

This is not to blame Ma Yibo. Even if he started a business in his previous life, it was just a personal business. There was not much money in the company account, so how could he talk about using accumulated funds to generate income?

At the same time, Ma Yibo also learned that the original accounting period can also be played like this;

Now Aunt Qin does have an account period of almost 4 million before the end of the month, but on the first or second day of the month, all of it is called to the supplier;

For Aunt Qin, especially the week before the beginning of the month, she doesn’t have much funds at all and can only rely on daily turnover to accumulate;

As long as the starting time of the accounting period is adjusted, the company will have 2 million in liquidity;

As the number of Aunt Qin's stores increases, this kind of operation becomes more and more necessary;

For the current Aunt Qin, with nearly half of the monthly balance, she can definitely do a lot of things.

After Wang Min finished speaking, he didn't think it was anything special;

Perhaps, in her opinion, these are routine operations and not worth showing off;

However, most entrepreneurs do not know these operations at all;

After drinking a cup of coffee to moisten his throat, Wang Min noticed that Ma Yibo's eyes were as excited as prey when seeing food;

Wang Min was so frightened that she quickly tightened her clothes, thinking that Ma Yibo was going to do something evil?
To be continued...