"Governor Duan, actually, I don't want to take out a loan. Before, the company needed me, so I just used my own money to inject funds."

"This time, I had the same plan";

"You also know that I have a fund on my hands";

"But Mr. Yi told me that the following employees' shares have been diluted, which will lead to the decay of the positive stimulation effect of employee shares. There is no way, so I can only go to a loan";

"Hey, these days, being rich has become a sin."

Ma Yibo pretended to be sad. Although this reason was not the final reason, it was enough to convince many people.

It is obvious that Duan Enjun believed it;

As the president of a first-tier city and a district, I have always wanted to cooperate with Aunt Qin. How could I not know Aunt Qin’s employee shareholding policy?

When Aunt Qin was in high-level employee shareholding, Duan Enjun also admired Ma Yibo very much;

This is really the Lord who can share wealth and honor;

Especially some time ago, it was revealed that the shares of Duan Lang and his friends had already exceeded one million. Coupled with the rapid development of the Qin Aunt Qin Group, Duan Enjun knew that Qin Aunt Qin's employee shareholding was definitely correct;

Now, Ma Yibo does not inject capital, but instead takes out loans. He will not continue to dilute the employees' shares, so that employees will not worry that their shares will be diluted unlimited by the boss through financial means.

"Mr. Ma is indeed not an ordinary person, and his mind and pattern are not comparable to those of ordinary people";

"About our Aunt Qin's loan amount, during this period, you injected 500 million yuan into Aunt Qin, plus the increase in the number of Aunt Qin's stores and the development of Aunt Qin's takeaway";

"I also know that the 200 million you injected into the company last time was based on a valuation of 1.7 billion yuan."

"However, in our banking system, the valuation of the Qin Aunt Group is not that high. However, I personally admire your thoughts on your employees";

The reason why Duan Enjun believed what Ma Yibo said was because Ma Yibo's actions had proved his ideas;

Injecting capital into the company yourself and giving the company a high valuation is actually subsidizing your own interests to employees;

There are very few people like this.

How many companies can’t make money in the market, but instead want to make money from their employees;

That kind of company has big and small;

I won’t talk about small companies, there are too many means;

The practices of some large companies and even listed companies are even more despicable;

Haven’t you seen that some of the listed companies adopt a private placement mechanism for employees. Although the current stock price is 20% off, it has a three-year freezing period;

When the three-year freezing period arrived, not only did the employees not make money, but they lost a lot;

There are even more, the stock price was originally 10 yuan, and the price of the private placement was 8 yuan. After three years, the stock price was only 5 yuan or even 4 yuan;

Such a company, the money you make in it is not enough to lose in the stock market;

Duan Enjun, as the president of the banking region, has seen too many such cases;

Therefore, I admire Ma Yibo's approach of considering the interests of his employees.

Pattern, courage, and mind sometimes seem to have nothing to do with age.

Although I had a lot of thoughts in my mind, Duan Enjun, who was the focus of following up, obviously had basic information in his mind, and he didn't need to query too much and just said it out;

"The nature of our bank is different from venture capital companies. It does not require huge returns, but it must be kept stable. Therefore, we can value Aunt Qin at twice the amount you invested";

"In addition to what you have invested before, we estimate it based on 600 million yuan, which means that the valuation of Qin Dama Group is 1.2 billion yuan"; "According to the company's business loan requirements, we have to use the company's shares as pledge";

"This kind of share pledge loan can generally be 30% of the total amount, which is 360 million yuan."

"Now Aunt Qin has a debt of 70 million yuan, and the loan amount is about 300 million yuan."

"If Mr. Ma cooperates with our bank, he will definitely give us Aunt Qin the lowest interest rate, which is 3.25%. This is the lowest interest rate among various domestic loans."

Duan Enjun is indeed very sincere in his cooperation with Aunt Qin;

In terms of quota, although there is not much grace, after all, this is the requirement for share pledge loans within the banking system;

But in terms of interest, it is indeed very low;

Even before, Ma Yibo's business loan was 3.8%;

And now, it is 3.25%, which is definitely very sincere.

"Okay, 300 million is enough for several months. I will ask the financial manager to contact us later to implement the loan matter as soon as possible";

"Governor Duan, I'm not afraid of you making fun of it. I just heard that in order not to let me in advance, the employees of the company have been demolishing the east wall and repairing the west wall for half a month, just to delay my investment time."

"Hahaha";

Duan Enjun also laughed unkindly. After the matter was agreed, it was very easy. Now, with what Ma Yibo said, how can it not make people happy?

Not to mention, this is really possible as long as it does not affect the company's development;

After all, everyone has their own direction of interests. As long as they do not harm the interests of the company, they are insignificant in it, which is inevitable.

...

"Director Zhao, please contact Manager Wang, the financial manager of Aunt Qin Group, and check the debts of their group. If the debt is about 70 million yuan and there are no other problems in the operation, you can go through a process and approve a loan of 300 million yuan."

For some things, the upper level only needs to be determined and there is no problem. The lower level only needs to follow a process;

Sometimes, top-down implementation is the most efficient;

It's really time-consuming and labor-intensive to want to go from the bottom up.

"President, you are still great. As soon as you take down Aunt Qin";

Director Zhao is also a smart person. As President Duan’s confidant, he serves as the director of the lending department in the bank;

During this period, Director Zhao also knew that the president wanted to cooperate with Aunt Qin;

Of course, Aunt Qin is worth their efforts;

Haven’t you seen that many colleagues come to ask for cooperation;

Director Zhao also went there many times, but the treatment was not the same as other banks;

Unexpectedly, my boss took it down quietly.

"Okay, go and do business quickly. I heard that it seems to be in a hurry. As long as the other party has no problems in its business and its debt has not expanded, try to follow the green channel and let Aunt Qin see how much we value them."

...

After Ma Yibo and Duan Enjun called, they were not as happy as they were on the phone just now, but instead showed a look of thought;

Yes, Ma Yibo suddenly remembered that although his entrepreneurial career has been booming over the past year, his popularity has continued to rise;

But it seems that there is not much money surplus, but instead owes a lot of debts.

If you don’t summarize, you won’t know, and you will be shocked when you summarize;

Personal debt: Yuanfang Investment borrowed 30 million yuan, 300 million yuan from the purchase of stock pledge, and 40 million yuan from the purchase of two office buildings, which adds up to 370 million yuan;

Aunt Qin’s debt: The 300 million yuan loaned from ICBC and the 70 million yuan before were about 370 million yuan;

Personal funds: Although there are more than one billion, they are all under the stocks.

Thinking of this, Ma Yibo suddenly felt a little overjoyed.

Yes, it sounds like it's rich;

But now, Ma Yibo has only a few hundred thousand yuan on him, plus a car worth 500,000 yuan;

Moreover, these hundreds of thousands of yuan are still borrowed funds;

Given more than one million to Liu Wei, Ma Yibo dismantled more than one million from others.

"Buy a house first, live in it yourself, well, buy the one I rented";

Now Ma Yibo rents a large apartment with an area of ​​about 100 square meters. It feels more comfortable to live in. In addition, Ma Yibo does not intend to rely on this apartment to make money;

Although, in a few years, housing prices will rise sharply, and the increase in apartments will not be large;

But, so what?

Ma Yibo in this life is no longer the kind in his previous life. He can only achieve financial growth by buying one or two houses to increase the value.

How comfortable it is;

At worst, in two years, when the housing prices have not yet risen, buy a few large flats you like.

"Manager Wang, please contact the apartment I rent now and ask the landlord if I am willing to sell it. I plan to buy it, and the price will not exceed 10% of the market price";

"If the other party is unwilling or the offer is too high, then forget it";

"By the way, the apartment is recorded in my name. After the negotiations are made, I will pay."

He did it as soon as he said, and Ma Yibo asked Wang Min to help him buy it;

After all, those who can do it work harder.

...

Aunt Qin’s takeaway has been online for more than half a year, and it’s time to decide whether to charge a fee;

Zhao Changle and Yi Weili have mentioned this matter many times to Ma Yi;
To be continued...