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314. If you have no money, go to the bank!

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"Haha, this is the best way to do commercial development, but Uncle Yu, you are the best at it. With your Bincheng Commercial Group and being in charge of commercial development, we will have the bottom line for this investment."

Li Yifan flattered him and immediately made Yu Wande feel a little lighter.

As a local snake in Bincheng, Bincheng Commercial Group is indeed capable of commercial development. They have too many resources in their hands. Moreover, Bincheng Commercial Group is not weak and has connections with many large-scale clothing, catering and entertainment industries at home and abroad. Li Yifan is very relieved to have them in charge of commercial development of this ideal square.

"But Uncle Xia, the prerequisite for our investment is to develop the back of this ideal square together with the ideal square. I wonder what the district is about?"

If you have any opinions in Hekou District, what are you asking about Hekou District? Isn’t it just asking Xia Qinghe’s opinion? But Li Yifan knows that Xia Qinghe will definitely not oppose this development plan.

"Of course we agree with this plan."

As expected, Xia Qinghe gave a positive answer to this question.

"Okay, let's talk about the construction plan of this community. I wonder if you are interested in Uncle Yu?"

Li Yifan turned his head and asked Yu Wande. Yu Wande was a little hesitant at this time. You must know that he had been in a commercial department store before, and he had never skipped the real estate development field, so he was really unable to get the development plan for a while.

Seeing that Yu Wande did not agree directly, Li Yifan was not in a hurry. After all, this was not a small deal. If it was developed together with the shipyard dormitory behind Ideal Plaza, the investment would be at least hundreds of millions. After all, Bincheng Commercial Group was not owned by Yu Wande, and he would definitely go back and discuss with the shareholders.

"I personally agree with this development plan. If you two are willing to work together to do this development, then I will say hello to the district. At that time, our district can help with the demolition and relocation work."

Xia Qinghe spoke at this time. Of course, he hoped that these two powerful investors would join forces to develop this plan. In order to reflect his support for both of them, he even took on the most difficult demolition and relocation work.

Li Yifan was even more happy to hear District Mayor Xia say this. The demolition and relocation work of this area is not easy to do. If the district comes forward, they are only responsible for development, which would be the best.

Yu Wande was a little moved when he heard this. Although he had never played with real estate, he had heard of the profits of real estate. He had originally had a headache about the demolition and relocation. Now Xia Qinghe actually agreed that the district would deal with this problem at that time, which would save a lot of trouble. This way, this investment plan would be very feasible. It seems that after going back, he would really discuss it with several shareholders.

The matter of Ideal Square has basically been finalized, and the construction plan for the remaining communities is not in a hurry. After all, this is just an idea proposed by Li Yifan temporarily. It really requires Xia Qinghe and Yu Wande to go back and digest it well.

So for the rest of the time, everyone began to concentrate on tasting delicious food and chatting. The meal ended until after nine o'clock in the evening.

After sending Xia Qinghe and Yu Wande to their special car, Li Liqiang grabbed Li Yifan and dragged him back to the president's office in Building 2, and then asked in a slight manner.

"Yifan, this stall is not small, it costs 25 million. If you really do what you want and then go to the development and construction of the community in the future, where can we make so much money? You should know that the income from hotels and wineries this year will be invested in the Lotus Valley next year, and the winery branch construction plan there. If you can't afford that much money, what will people think of us?"

Li Liqiang was a little excited. He was also a little moved by the plan of this ideal square, but he was always suffering from the funding problem, which made him hesitate and called Li Yifan over just to hear his opinions.

But this guy is good. Not only did he directly agree to the invitation from Yu Wande and Xia Qinghe, but he also became bigger and bigger. At that time, what he would invest will not be tens of millions of dollars, but hundreds of millions of dollars.

Now the companies that can create profits in the Li family, namely Zhengyang Hotel and Phoenix Winery, as for the construction company of the eldest son-in-law, have just started. Although the maternal and child chain store opened by her daughter is good, it cannot provide such a large cash flow?

Moreover, after the initial popularity, this maternal and infant chain has now entered a stable period of business and will soon face the problem of expansion in the future, so the funds from her are still untouchable for a while!

When he was going to do such a large investment project, where did he find money? So Li Liqiang was a little anxious.

"Haha, dad, why are you panic? If you pass this deal, there will be no more store in this village. This deal is worth investing in!"

"Nonsense, I don't know that this deal is worth investing in? But the key is that we don't have that much money?"

Seeing his son's smiley attitude, Li Liqiang was a little annoyed.

"Dad, you are too conservative. We have no money, but the bank has money. Since you think this project is good, why don't we go to the bank to take out a loan? You don't know the bosses of these large state-owned banks in Bincheng? They come to our store every now and then and often call you brothers. Do you think they are really coming for our meals, and you still want to get in touch with our family? Do you want to get into our business? Isn't it a pity if these resources are not used?"

Li Yifan said to his father with a smile that indeed, in fact, his father has been a celebrity in the business circle of Bincheng in recent times. I won’t mention that the Zhengyang Hotel business is booming. Even the Phoenix Winery that just took over is famous. Moreover, these two companies can be described as a daily money-making money. No matter which state-owned banks, no matter which one of them has seen their deposits in the bank, isn’t their eyes red?

Your business is so good and the industry is operating so healthy. In the eyes of banks, this is an absolute credit guarantee. Banks generally like to lend money to such companies because the funds are guaranteed.

Moreover, many businesses like to borrow from banks even if they have money. Why?

On the one hand, it is because I hope to ensure the cash flow in my hand. On the other hand, of course, it is the bank's money, so I don't need to use it for nothing. I use the bank's money to invest in projects. If I make a profit, then the bank's interest, compared with the project's profit, is completely worth mentioning.

If you lose money, you don’t have to worry. You can mortgage the investment project to the bank directly. Anyway, you won’t be hurt by other business entities.

How many bosses with certain assets do not operate like this?

Moreover, this is one of the few golden years for private enterprises in China. Since the new prime minister came to power, he has made great efforts to reform state-owned enterprises, and the state has retreated and the people have advanced. How many state-owned assets have they been converted into private enterprises under the collusion between merchants and banks?

Many people are talking about not being able to borrow money these days, but that is only for those who are not strong enough. Nowadays, as long as you are brave enough and have enough resources on hand, it is still very easy for you to borrow money from the bank.

Because Li Liqiang used to do small business, he never liked to owe money from the bank, because in his opinion, if he owed the bank money, he would have to pay back the interest, which was very unprofitable in his opinion.

So in his business philosophy, as long as he has sufficient funds, he will never think of finding a bank loan.

So he has completely ignored it now. With his current status and status, as long as he lets out the wind and wants to take out a loan, he is afraid that all the managers of all banks in Bincheng will be squeezed out and want to squeeze into his office.

Li Yifan explained the capital operation model of bank loans to Li Liqiang. Although Li Qiang was still a little overwhelmed, he also felt that what his son said made sense.

Indeed, if you do this development and borrow from a bank, it will be completely risky to their current industries.

Even if the project is messed up, at most, you can mortgage the project to the bank. If the bank still doesn’t think it’s enough, there are some printing factories or dairy factories in his hands.

These rotten bones that he didn't like were really fat in the eyes of those banks.

However, when thinking about his son's capital operation methods, the more conservative Li Liqiang still felt uncomfortable. If the project is screwed up, he will be a deadbeat and will not pay back the money. He will directly return the project to the bank. This makes Li Liqiang feel like his country is cheap and he is poaching the country's corners. In short, he feels very uncomfortable.

But he didn't know that such a scene of digging the country's corners was staged almost every moment in this era, but the names of the protagonists involved were different.

What Li Yifan was thinking was that now is a rare era of national retreat and private advancement, which is rare in ten years. If you encounter such a good thing again ten years later, unless your ancestral grave smoke comes out, you will not even think about it.

Dare to dig out the country’s corners? Let’s see which state-owned monopoly enterprises do not break your legs?

"It's okay to make that commercial square, but what kind of garden community do we really want to make it?"

Li Liqiang was still a little hesitant.

"Why not? This is a complementary conjoined project!"
Chapter completed!
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