Although it was said that only half an hour of communication time was given, Chen Kangjie spoke for more than 40 minutes, and Tan Jian and the others added three or four minutes respectively, so that together there would be an hour.

The reason why Chen Kangjie reserved some content for Tan Jian and the others to supplement was of course to give them the opportunity to exercise. If they could state it calmly in front of Zhou Zhilie, then when facing other people, they would be more confident and fearless.

Just like when people in a small city go to a big city, they will feel inferior and have no confidence, while people in a big city go to a small city, the opposite is true. It is difficult for the four of them to be stable, but with Chen Kangjie's "spunning bricks and jade" for more than 40 minutes, they also know almost all the details of this project, so they can quickly enter the state calmly.

"I want to know one thing. Since you ask our bank to cooperate with you, how much money do you plan to spend? I don't doubt your abilities at first. I just doubt that as college students, you have the funds to invest in such a project." Zhou Zhilie picked up Chen Kangjie's filled little teacup and took a sip, then glanced at Chen Kangjie and the others and asked.

Regarding this sudden question, Tan Jian and Chen Jundong didn't know how to answer it, and all looked at Chen Kangjie.

"President Zhou, since we are here to talk to you, we have naturally made relevant preparations. In terms of funds, we invested 5 million in the early stage. This 5 million is just the first special store. If the first store is effective, we will consider expanding in the provincial capital and surrounding cities. You mentioned just now that as students in school, we do not have much money. We plan to use our Internet cafe to borrow one million. Regardless of the location, number of computers, area, and monthly turnover of our Internet cafes, there is no problem with the value of one million. In addition, the five of us will also find ways to raise one million from multiple sources." Chen Kangjie was a little shocked by Zhou Zhilie.

Zhou Zhilie never thought that the five students in front of him could take out two million. As the bank president, he had seen two million, or two million, or two million, which was just a regular number in his work.

"You have an Internet cafe that is worth more than one million?" Zhou Zhilie said in surprise.

"Yes, Ge Zihao, give President Zhou a little less of our Internet cafe." Chen Kangjie nodded and instructed Ge Zihao.

Ge Zihao then introduced how they opened such a large Internet cafe with very little investment, and that they were clear about the monthly income and expenditure and surplus.

"Haha, amazing, heroes are young, when it comes to it, each of you is richer than me." Zhou Zhilie praised happily.

Zhou Zhilie did not lie. His ability to climb to this position has a lot to do with his clean hands and feet. There had been competitors who wanted to mess with him before, but the superior department did not find out that Zhou Zhilie had other property besides legal income. That time, Zhou Zhilie was not only not punished, but instead was promoted to a level of blessing in disguise and became the president.

If Zhou Zhilie was "flexible" like others, then it would be a pediatric matter to do it in his position. But he didn't do that, so in terms of property, he did not have much, and of course he was not as rich as Tan Jian and others, and he still had a property of 300,000.

"Governor Zhou, this means you are a good cadre. Otherwise, if you move your fingers and earn tens of millions of dollars in a minute, wouldn't it be easy?" Chen Kangjie seized this opportunity and flattered Zhou Zhilie.

If others flattered so much, Zhou Zhilie would not catch a cold, but the same thing came from a college student, and Zhou Zhilie was very happy and proud. Because he did not think that a simple college student would be so worldly and cunning.

After laughing, Zhou Zhilie continued to ask: "Even if you borrow money and raise money, it's only two million. There is still a big gap from the five million you have in your first store, let alone other expanded investments. How do you solve those problems?"

Zhou Zhilie’s question is a key test for Chen Kangjie and the others. If they cannot solve this problem, Zhou Zhilie would not have much confidence.

Zhou Zhilie can often see the so-called good projects and good planning. However, many projects sound good, but they are difficult to implement.

The key point of testing whether a person is excellent depends on his execution ability and ability to solve difficulties. Otherwise, he will become a person who can only talk about the war on paper, just like Ma Su and Zhao Kuo, who talk about it easily and rarely have opponents, but he will be defeated as soon as he goes to the battlefield. What's the use?

Chen Kangjie asked Ge Zihao to tell them about their experience in Internet cafes just now, but in fact he wanted to show their strength from the side. They are not newbies, especially those who only know how to talk big.

Chen Kangjie and others were able to invest very little and set up a large Internet cafe and make money. Zhou Zhilie admired it. It was because of his appreciation that he was interested in chasing him. Otherwise, he would not be like this. Don’t think that a bank president would be idle and have nothing to do.

Chen Jundong and others dared to speak about this question, because they have no background and don’t know where the channels for finding money are, let alone millions. Since they have no background, of course, they can only look at Chen Kangjie nervously and nervously to see how he will answer to resolve it.

"Governor Zhou, the remaining funds are already willing to support us." Chen Kangjie said affirmatively without panic.

"You have already found a venture capital foundation? Is there a foundation willing to provide you with investment help?" Zhou Zhilie put down his teacup and asked with his eyes wide open.

"Yes, Lichuang Venture Capital Foundation, they agreed to invest in us for the first phase of three million. If a bank cooperates with us, they can invest up to 20 million, more than 20 million, and at least four or five stores can be operated at the same time. Once the project is operated, through profit transfer, we can open a store on average for two and a half months." Chen Kangjie said confidently and confidently.

Not to mention Chen Kangjie's words, Zhou Zhilie was surprised, even Tan Jian and the other four were nervous. They didn't hear that the Lichuang Venture Capital Foundation was willing to invest, and it was only more than 20 million at once.

Lie, Tan Jian and the others determined that Chen Kangjie must be lying and fooling Zhou Zhilie. However, they did not dare to reveal this suspicion clearly. Once Zhou Zhilie saw that Chen Kangjie was lying, then their project would be over.

As for how to make up for this lie loophole in the future, that is the next step.

"Lichuang Venture Capital Foundation is willing to invest? Are you talking about the foundation managed by Zhong Kefan, a celebrity in the investment industry in the province?" Zhou Zhilie wanted to confirm.

If it was really this venture capital foundation, then Zhou Zhilie would have a great confidence. Although this venture capital foundation has not been around for a long time, each of the dozen projects they invested in has achieved success and good results. Because of this, Zhong Kefan became a celebrity in the investment industry.

"Yes, it's them." Chen Kangjie nodded firmly. No one could see any flaws in his expression and expression.

"Okay, okay, I didn't expect that the Lichuang Venture Capital Foundation also fell in love with your project." Zhou Zhilie sighed.

"President Zhou, do you also have the interest and willingness to cooperate?" Chen Kangjie asked with a smile.

"Of course I have interests and intentions, otherwise we wouldn't have talked about it for that long. However, I would like to ask one thing, where does our profit come from? How do you define your profits? Will there be unnecessary entanglements in the middle?" Zhou Zhilie is a serious person.

"No, the definition is very clear. Our profit is the normal profit of product sales, and the bank earns loan interest. Governor Zhou, in fact, through this kind of small loan for private individuals, your loan interest is actually higher than others. Your interest on ordinary commercial loans is 4.425%, but this kind of personal micro loan can completely get interest of 4.875. Not to mention that the interest rate is 0.45, the risk is actually very small. If a large enterprise defaults, you may face millions, tens of millions or even hundreds of millions, but this kind of small loan for people, even if someone has problems, the loss will be still.

It's only a few thousand yuan. And there won't be many such cases, and there will be almost no situation where everyone is concentrating on default. In addition, if consumers default, the default cost will be far more than 4.875% of the interest rate, or even ten times or a hundred times. From this perspective, the overall actual interest of the bank is actually more than 10%. Moreover, banks have advantages when targeting individual lenders, and those large companies that owe hundreds of millions of dollars will not be afraid of you at all. Even if you win a lawsuit, most of them will not get money." Chen Kangjie's answer was very detailed, not only explaining their respective profit distribution, but also expanding the source of profits of the bank.

As for the aspect of this type of sales that can increase the sales of goods, improve people's lives and promote the production of enterprises, it has been mentioned and described in the previous introduction, so Chen Kangjie will not mention it anymore.

Zhou Zhilie and Chen Kangjie finished speaking and fell into a state of contemplation.

None of Chen Kangjie and others spoke to interrupt Zhou Zhilie's thoughts. They all knew that they had entered a critical period of making a decision. Once Zhou Zhilie recognized it, their project could substantially enter the startup stage. If Zhou Zhilie gave up, then there was nothing to say.
Chapter completed!