"Governor Lan, good noon";

"Mr. Ma, good afternoon."

After Ma Yibo ordered Yi Wei to establish his affairs, he began to think about how to make money;

Although Ma Yibo said to Yi Weili that he would invest another 200 million yuan, where did these 200 million yuan come from? Ma Yibo has no further information.

As for the stocks in the stock market, Ma Yibo doesn’t want to sell them for the time being;

Why?

Because if Ma Yibo wants to sell the 500 million funds allocated, the funds he sold must first repay the funds he had previously allocated;

In other words, if Ma Yibo wants to sell stocks, he has to sell stocks worth 700 million, of which 500 million is used to return the capital allocation, and the remaining 200 million can be taken out;

Such an approach is obviously not cost-effective for the continued growth of stock accounts;

Then, Ma Yibo doesn’t have much money;

There are hundreds of thousands or millions, maybe Ma Yi has to fight, but Ma Yi has to fight for 200 millions;

The only way is to borrow.

The bank that is the first choice for lending is China Merchants Bank, which Ma Yibo has been working with before and has not made any mistakes;

President Lan, who was previously working with Aunt Qin, has become the deputy president of the branch.

And Lan Bangdao was also a little excited when he received a call from Ma Yibo;

Who doesn’t know that Aunt Qin’s development is really changing with each passing day, with different changes every day;

Thinking back to the beginning, Aunt Qin, who had only a few small shops, had become the giant existence today in a blink of an eye;

Not only are there hundreds of stores, Aunt Qin’s takeaway is also booming in Yangcheng;

Everything was created by calling him the young man.

But Aunt Qin's development has basically had no intersection with their banks in the later stage except for the early loans;

No, it should be said that although Ma Yibo is young, he has too strong ability to make money;

There is no need for the support from the bank, which makes Lan Bangdao's heart tickling like ten cats, and it feels so uncomfortable.

It’s like seeing a peerless beauty, but you can’t go any further. I guess most male compatriots have experienced that kind of discomfort.

Therefore, when she received a call from Ma Yibo, Lan Bangdao was particularly excited. In the past, he called Ma Yibo to contact her relationship;

The purpose is very simple, which is to let Aunt Qin have a financial need and think of their bank at the first time. At the same time, Aunt Qin's takeaway capital flows mostly from their bank;

You know, the daily turnover of Aunt Qin’s takeaways is now as high as more than 30 million. This is the average turnover of daily turnover. What a terrifying figure.

"Governor Lan, that's right. Didn't you call me before and ask me to have financial needs, and you thought of our bank the first time?"

"No, I really need a fund now, about 300 million";

Ma Yibo deliberately said that his financial needs were higher because Ma Yibo knew that his collateral was actually very average, and the other party cut a little more, which was almost 200 million.

"Mr. Ma, can you ask you if the purpose of this fund?"

Lan Bangdao was so excited that he was so excited;

Finally, the iron tree is about to bloom, and this kind of one-time loan is worth hundreds of millions of dollars;

You know, Aunt Qin actually has very little debt.

The first loan of 1 million from the Agricultural Bank of China was used for option trading, and then the loan of 10 million from China Merchants Bank was used to acquire Qin Auntie Food Factory. Then the loan of 10 million from the Agricultural Bank of China and the 10 million debt left by the other party in South China. In addition, the loan of 50 million from the Qin Auntie purchased the store (43 sets) and the total debt was 81 million. Now it has paid back a part of it, which is estimated to be only 75 million in debt;

But now, the market value of Qin Auntie Group is at least 1 billion yuan, which is because the bank is cautious and gives the market valuation a 65% discount;

It is equivalent to only 7.5% of the debt. Compared with the current operating conditions of Aunt Qin, the 7.5% debt is almost the same as having no debt;

Putting it on the stock market may be a big increase, which can eliminate Aunt Qin’s total debt;

Moreover, now, no one knows that Aunt Qin’s founder holds more than one billion cash. Although he invested 300 million yuan in Aunt Qin, he still has 800 million yuan in his hands;

These are the confidence of the bank.

"This money is used to invest in Aunt Qin. Our Aunt Qin will launch a new business and need a sum of funds to increase the expenses of servers and personnel."

"Mr. Ma, you also know that such large-scale loans usually require mortgages. If the mortgaged property is worth a large enough amount and the loan amount is fine, what are you planning to use to mortgage them?"

"Governor Lan, this time my mortgage is my personal stock";

"My total stock holding value is about 1.64 billion yuan, of which 500 million is allocation, which means I have 1.14 billion yuan of funds."

"I want to use personal stocks to pledge and lend 300 million yuan. Do you think it's OK?"

Before making a call, Ma Yibo checked his stock fund account, which is why Ma Yibo is unwilling to sell stocks;

You can get about 10% of your income almost every month. How can you sell it in this case?

Last month, 1 billion funds were allocated 500 million yuan, totaling 1.5 billion yuan, and now it has become 1.64 billion yuan, which has definitely increased by 140 million yuan.

"ah";

"Sorry, Mr. Ma, your ability to make money is really shocking";

Yes, Lanbondao was shocked;

He had also calculated Ma Yibo's capital before. After Aunt Qin's food factory sold it, he could have more than 1.1 billion yuan. Later, he invested 300 million yuan in Aunt Qin. There should be more than 800 million yuan left, less than 900 million yuan;

But unexpectedly, it was only two or three months before, and compared with the estimated funds, it was nearly 300 million more;

Wouldn't that mean that in the past two or three months, Ma Yibo used these eight billion yuan to make 300 million yuan in the stock market?

This level of madness is too great.

The profit in two or three months is close to 40%, which reminds me of this year's stock market and the articles Ma Yibo posted on Weibo some time ago;

It seems that Lan Bangdao understood a little;

But I was a little confused.

"That is to say, your stock account has 1.14 billion yuan of funds, plus 500 million yuan of funds allocation, which is 1.64 billion yuan, which is equivalent to the current fund allocation quota of the total account being 30%";

"According to your actual net value of 1.14 billion, generally speaking, stock pledges are loans based on 30% of the current market value, which means you can be granted 342 million yuan."

"But because you still have capital allocation in your account and the stocks you purchased have increased significantly during this period, it is likely to be repaired in the later period";

"So, under the factors of both sides, there may be a discount on the basis of 342 million yuan. At that time, I personally think it will be about 200 million yuan."

"Mr. Ma, if you really want to borrow 300 million yuan or even a little more, you have to add collateral, otherwise it will be difficult to make a breakthrough";

"You also know that banks' lending is mainly about stability rather than aggressiveness, which is different from the financial companies outside";

Lan Bangdao was also worried that Ma Yibo thought it was he who deliberately stopped him;

In fact, the 200 million that Lan Bangdao mentioned has to be involved in it, otherwise it will be more difficult.

Stock pledge is too risky, that is, Ma Yibo's customer is very high-quality. Most people already have capital allocation, let alone 200 million, even 100 million is not easy to say;

Unless you pay off the capital allocation in the stock and make a loan of 1.1 billion yuan, then 200 million yuan or 300 million yuan is still fine;

Because financing will magnify risks.

"Okay, 200 million is only 200 million. I'll ask Wang Min to contact you if you need any information";

Ma Yibo was very happy inside, and now he finally achieved his goal;

The 200 million yuan fund, especially for company development, is basically in line with business loans, with an interest rate of only 3.8%, which is definitely the lowest existence on the market at present;

And own funds are making money in the stock market, which is great.

"By the way, how long will this fund be completed? Because we are in a hurry to get it, our new project may be launched nationwide in a few days."

"Mr. Ma, because of the large amount of funds, the time may not be that short. I will try my best to help you get it."

Lan Bangdao was also a little helpless. Ma Yi was good at fighting for anything, but his request was too urgent every time;

But when Lanbangdao heard that the new project was launched nationwide, he was lit up again;

Aunt Qin has spent more than 300 million yuan on takeout in Guangdong Province alone. Then, this new project is launched nationwide, and even a niche project, the market is definitely not small.

...

After Ma Yibo and Lanbangdao exchanged communication, he also relaxed;

As long as it is not allowed to sell the stock now, the funds borrowed can meet the requirements.

When he saw the WeChat pop up on his phone and opened it casually, Ma Yibo showed a strange smile on his face;

"This general manager really found the treasure";

Ma Yibo praised in his heart;

To be honest, if Aunt Qin can achieve her current achievements, if she divides it according to the proportion of credit, Ma Yi will account for 70%, Yi Wei will account for as much as 25%, and the remaining 5% will be the achievements of all employees;

Yes, as the founder and leader of Aunt Qin, Ma Yibo's greatest ability to master the direction;

The arrival of Yi Weili has enabled Aunt Qin, a company that has already entered a regular company, to develop faster and more steadily.

Yes, Ma Yibo also saw the Weibo post posted by Yi Weili, and a smile appeared on his face;

For Duan Lang, Qiu Feng, Zhao Yun, and Ma Yibo's feelings for them must be different from those of others;

After all, they all joined at the beginning of Aunt Qin, and they lived under the same roof as Ma Yibo for more than half a year;

They are worth millions, and Ma Yibo is not surprised at all;

Even if their current abilities do not match this value, Ma Yi doesn't care;

We must give outsiders a feeling of having an advantage when they come first. At the same time, Ma Yibo will also give them three of them to fulfill their original promises;

Buy a house and a car.

As for the subsequent recruitment advertisement, Ma Yibo knew that the effect would be very good this time. With the example of Duan Lang and the other two, who wouldn't want to come?

Who doesn't want to make a fortune?

However, a trouble came to my mind again.
Chapter completed!