When several adults heard Li Qubing say that he wanted to go to Hong Kong to speculate on real estate, they were all surprised. Hong Kong is a legendary metropolis. Going to Hong Kong at that time was a big deal, and going abroad in China at that time was a big deal.

The fourth uncle said, "Are you sure you get rid of the disease?"

Li Qubing thought for a while and said, "If I only talk about housing prices, I am still quite sure, but to be honest, I have never been to Hong Kong at all. There are almost no reports on this in the newspaper. I can only say that I will go first and see how to do it based on the actual situation."

Uncle San said: "It's hard to go abroad to go to Hong Kong, right?!"

"Uncle San, I've inquired about it. I need to go to the Public Security Bureau to apply for a passport and a certificate. With the reputation of our factory in the county, it's relatively easy to apply for this. Uncle San, please find someone to help me with it."

Father Li suddenly said, "Don't let your third uncle do this. Your uncle's family is from the county town. I have been working in the county for so many years. Let your uncle do it."

The fourth uncle said casually: "Yes, my elder brother is familiar with the heads in the county."

Li Qubing thought for a while and said, "I'd better let my third uncle or fourth uncle go. After all, my third uncle and fourth uncle all have the sign of the deputy general manager in the factory, which can represent our factory. This matter is more direct and effective than the uncle selling face."

The fourth uncle thought for a while and said, "The thing Qubing said is reasonable. Our factory is still a company with a number in the county."

Li Qubing turned to Li's father and said, "Brother, you also want to go to the police station to change our household registration book, and get me an ID card."

Li Qubing said in confusion: "Why are you changing your household registration book?"

"I'm in 1978, and in another half a year, I'd like to change it to January 1975. If I'm 18 years old, I'll be more convenient for anything to do."

"Okay, I'll go to the commune police station in the afternoon."

"Brother, I'm with you, it's time for me to go back to school."

When Li Qubing said he was back to school, Li's father sighed: "You have been busy with your family for the past two years, don't delay your studies."

"Uncle, don't worry, you can't delay."

Uncle Fourth said, "Get rid of the disease, what else is there? You asked me to come here early in the morning yesterday, just for this matter?" Uncle Fourth was a little angry.

Li Qubing said, "Uncle Fourth, don't worry, there are still many things, I'll say a little bit."

Li Qubing immediately became serious: "The first thing is about the funding in the factory."

The fourth uncle was stunned for a moment: "Wait, get sick, what's the problem with the funds in the factory? Our bank still has about 2 million yuan, plus the 4 million yuan you brought back this time, so there's no problem."

Not only was the fourth uncle stunned, but the other adults also looked at Li Qubing in confusion.

Li Qubing said: "Uncle, you said that the biggest problem is that the funds are fine."

The fourth uncle was puzzled at once: "What's the problem?"

"We still have more than 7 million now, which seems to be a lot, but we still have three production lines under construction. If we pay all of them ourselves, our factory's funds will be drained immediately. At this time, as long as we fail to collect payments in time, the factory's capital chain will be broken suddenly! This is a problem."

The four adults have poor educational levels. The fourth uncle and third uncle graduated from junior high school, while Li’s father and fourth uncle graduated from elementary school. Obviously, they have no modern financial knowledge.

The fourth uncle said, "What do you think you should do?"

“We should go to the bank to take out a loan.”

Father Li said: "Go to the bank to take out a loan? We have money ourselves and pay interest to the bank for free?"

"Brother, the account is not calculated like this. We now use our own money and can only build three production lines at the same time, and we cannot start construction at the same time. Otherwise, our money will not be enough. If we go to the bank to borrow 5 million, although we have to pay interest, we can start two more production lines. In this way, we will have two more production lines, so we can make money early and earn more than the loan interest!"

The four adults were silent and began to silently understand Li Qubing's words.

The fourth uncle first recalled: "It's so good to say "Getting the disease, so that our development will be much faster. But is the bank willing to lend us a loan? How much is it willing to lend?"

Li Qubing answered the question of the fourth uncle: "The bank is definitely willing. Our bank now has more than 2 million yuan, two production lines to be put into production, one production line to be put into production soon, and two production lines under construction. There is no foreign debt outside, and for the bank, we are high-quality customers, they are definitely willing."

The fourth uncle asked, "Then can we borrow more?"

Li Qubing thought for a while and said, "It will be fine if you borrow more money from the bank, but there will be problems here."

Uncle San asked: "What's the question?"

"Too many loans will cause our factory to have too high debt ratio. For example, we now calculate five production lines, and now we have 2:5 loans to our assets. Our debt ratio is 28.6%; our loans to our assets are 3:5 loans to our assets are 37.5%; our loans to our assets are 1:1, and our debt ratio is 50%. If we have 5 loans to our assets, if there is a problem with the sales of our products, we will be in danger as soon as the bank collects the loan. Therefore, we must strictly control the number of loans and control the debt ratio below 40%!"

Although Li Qubing knew that many companies in later generations had a debt ratio of 70%, 80% or even 90%, Li Qubing knew that such companies could never withstand the impact of risks. Once there was a big risk shock, no matter how NB founder or a well-known company, they would be finished! How did Hong Kong's richest man Li Jiacheng become the richest man? The reason is that other companies are too high in debt ratio, staggering in various risks and struggling in crises. Due to their low debt ratio, Li Jiacheng's company completed overtaking in various risks, thus firmly sitting in the position of Hong Kong's richest man for decades.

Rapid development requires pursuit, and stability in development requires pursuit even more!

The fourth uncle thought for a while and said, "Tomorrow I will go to the county bank to get a loan, and I will borrow 5 million first!"

Uncle Fourth responded, "I'll go with you."

The fourth uncle said: "Okay, let's be more convincing together."

"By the way, uncle, how are the three production lines we are building?"

The fourth uncle replied: "The third production line is relatively fast, and it is expected to be put into production in half a month. The last two will be slower and will not be put into production after the New Year. If the loan is completed, it will be directly built in Article 4, Article 5, and Article 6, and Article 7. When the money is enough, you can directly open four more items."

The fourth uncle also arrived: "I went to Sanlaizi's place yesterday. I guess Sanlaizi's land is no longer a problem. There are three more production lines opposite our two production lines that have been put into production and the line that will be put into production."

Li Qubing thought for a while and said, "According to our plan, we have fourteen production lines here! This is inappropriate."

Father Li asked, "What's wrong?"

"We now have two production lines. The employees in the factory are basically from our own village. If we open two production lines, we will almost use people from other villages. If we open five or six production lines, almost all the girls in half of our commune will come to the factory to work, and can we still make people ride their bikes and run around in darkness? It's okay in summer, but what about winter? What about rain and snow?"

The fourth uncle said: "To get rid of the disease means we need to build a dormitory."

"good,"

Li’s father made the decision: “Build it then, and build our house by the way. You can’t live in the factory all the time.”

Li Qubing thought for a while and said, "Brother, our house is really bad. It's too close to the old grave, so don't be there. The old houses there are just like memorials. Let's buy a piece of land outside the village and build a small villa."

"Oh hey, our family is very worried about getting sick, and they even want to build a small villa." Uncle Fourth joked.

"I will go to Hong Kong this time to see what other people's villas look like in Hong Kong, and choose a beautiful one to build them."

Li’s father knocked on the table: “Okay, okay, don’t talk about the villa for now. Go back to the point, is there anything else?”

Li Qubing said again: "There is also that we can't produce this kind of surface all the time."

The fourth uncle said, "What are your thoughts?"

Li Qubing remembered the little raccoon noodles that he had pulled later, and said, "We can produce noodles."

Li Qubing's words suddenly aroused the interest of adults. Uncle Fourth said: "What is plain noodles?"

"It is to fry the instant noodles to a little burnt, and then sprinkle the seasonings on it when they come out of the oil pan. This way you can eat it by opening the bag, which is delicious and delicious."

Li Qubing's words aroused the adults' thoughts. After a long time, the fourth uncle said, "I'm afraid not many adults will buy this."

Li Qubing thought to himself that his fourth uncle had a high understanding and nodded, "Yes, so it was not sold to adults, but to children, so the noodles were smaller and the ones were sold cheaper. Then we put cards in it so that the children could also use cards as toys after eating instant noodles."

When the fourth uncle heard this, his eyes lit up: "This is great! Children all like to collect all kinds of cards, such as cigarette boxes, matchbox leather, etc."

"Don't our software company have an art designer? He must know a lot of painters. Let's ask him to help him draw 108 people for us. After the drawing is finished, we will apply for copyright immediately..."

"Wait, what are you applying for?" The fourth uncle didn't hear clearly what Li Qubing said.

“Apply for copyright.”

“What is copyright?”

"When we spend money to draw this thing, we say that the copyright belongs to us. If anyone uses it, they will be plagiarized, and we can sue them."

The fourth uncle took out a small notebook and wrote down Li Qubing's words: "Okay, I'll write it down. When I find someone to draw, I'll say this well. After drawing it, I will apply for copyright. Are there any other ones?"
Chapter completed!