"It will definitely not exceed three months!" Li Fangping said affirmatively as if he cut off the iron and nails...

As the general manager of Tianyuan Construction, a wholly-owned subsidiary of Lianchuang Technology, Li Fangping seemed extremely confident when talking about his own bank, and said decisively, "Boss, you haven't seen the land prices of provincial capitals in the south. Now it has risen. As the center of our country, there is no reason why housing prices in the capital are not rising wildly. I asked my friend in the capital to ask about the changes in housing prices in the capital over the past two years. If you plan to make a fortune in the capital's real estate market, now is the best time to enter."

Lin Zheng nodded. Although Li Fangping's judgment was slightly different from his own, Lin Zheng did not think there was anything wrong with this. Whether it was the surge in two months or the surge in the second half of the year, the difference was actually not big. What he was more interested in was another problem. "But Lao Li, you should know that the company is now expanding rapidly and all aspects need money. What can you do to solve the problem of shortage of funds in this part of the funds."

"Loan," Li Fangping looked at Lin Zheng and said strangely, "As long as we have a house in our hands, we can use the house as a mortgage to borrow from the bank, and then buy the house before and after borrowing it from the bank. This cycle continues... As long as the operation is done, a loan of billions can be obtained. As long as the housing prices in the capital continue to rise, we don't have to worry about not being able to repay the bank's loan."

"Billions?" Billions are not a small amount. Lin Zheng was very surprised. Which bank has such a courage to lend money to Lilianchuang Technology?

"It's just a few billion. As long as there is enough mortgage, this number is not much." Li Fangping smiled, not thinking that this is a big deal. "Our Lianchuang Technology is a high-quality customer of the bank. The bank cried all day long and wanted to lend us money. As long as our project has the right collateral and the initial start-up capital, there is no problem at all. As long as we start the project smoothly, borrow hundreds of millions from the bank, and repay the interest on time, it's not up to the bank to decide whether to lend money to us."

Lin Zheng naturally understood this principle. This is the most popular trick for many speculators and real estate developers in later generations. By constantly borrowing money from banks. After the more money I borrowed from banks in the later period, as long as the company's financial situation does not decline significantly, the interest can be returned on time, no matter how reluctant the bank is to take out the money, in order to ensure that there is a problem with the company's capital chain, the money they lent out cannot be collected. They will pinch their noses and lend the money. As long as they feed the relevant leaders, there will be no problem at all.

Lin Zheng is very clear about this. He is thinking about another question, "But the most difficult thing is the early start process... The problem is that now the whole country is controlling fixed asset investment, which bank is willing to lend us money?"

"Just just borrow money from our Langya City."

"This amount is a bit large..."

"We don't need so much in the early stage. We just borrow tens of millions or tens of millions of dollars. Those banks want us to borrow money from them. There are no large state-owned enterprises in Langya City. Even if there are, these state-owned enterprises look like half-dead bears. Unless the municipal government uses finance as a guarantee, the banks will not dare to lend them money. But banks cannot only have deposits and no loans. They have loan tasks every year. Controlling loans is one thing, but if they cannot complete the task, they will have to be beaten to the board. Otherwise, what will their banks rely on for their money?" As a person who deals with banks almost every day, Li Fangping is clear about the matter here. When his boss intends to speculate in the capital real estate market, he has already started to think about how to operate this project. As an insider, it is really not too easy to operate such things.

Tsk... After hearing Li Fangping's words, Lin Zheng slapped his head in annoyance. He felt that he was simply a fool: That's right, although the country has to control the investment of fixed assets, the bank also has to eat, right? Always absorb deposits and don't lend money, the bank can't drink the northwest wind?

Controlling the intensity of loans does not mean not lending, but ensuring that the money released must be recovered. In this era when the government always fails to repay the money, customers who have high-quality assets as collateral are actually the most popular people in banks. For banks, lending money to Lianchuang Technology is much more than lending it to government insurance, and I am still worried about where to find money.

"How much do you know about the deposit and loan situation of Langya Bank?" Lin Zheng thought for a while and asked Li Fangping that he needed to make a judgment based on this situation.

"I am not very clear about the situation in our city, but I know one thing about the situation in the district. Last year, the deposit balance of financial institutions in the district was 2.88 billion yuan and the loan balance was 1.39 billion yuan. Everyone in the bank was worried. The situation this year is probably the same. If we are willing to borrow money, it would have helped the bank a lot!" Li Fangping smiled and shook his head.

"So many differences?" Lin Zheng was slightly surprised: this number is a bit amazing. Anyone who knows a little about financial knowledge knows that if banks want to make money, the loan amount released should be similar to the deposit amount. The correct situation is that the deposit amount is slightly higher. Basically, the deposit ratio is between 1:1.25 and 1:1.35. This is the most suitable situation. Let's take a look at the current bank loan ratio in the entire district. It has exceeded 1:2. "The provincial branch cannot swear or scold me?"

"That's not true," Li Fangping said with a smile, "the presidents of the district and several banks in the city are about to break the threshold of our company, but you have said before that if our company does not borrow money, try not to borrow money..."

Tsk... Hearing this, Lin Zheng was so sad that he wanted to slap himself twice: Pighead, how many people begged the bank to borrow money, but the bank refused to borrow money. It was good for him, but the bank came to borrow money but he refused to borrow money.

"Old Li, in this way, you and our district... forget it, just be in the city. Let's discuss with the city's banks to see how much cooperation can be done in total. Well, you must give the benefits you should give. I don't know how to deal with the bank, but I believe you can do it well."

"Boss, don't worry." Qiangzi suppressed the joy in his heart, and Li Fangping nodded vigorously. The boss has already said that not only the company needs to invest like this, but the leaders in the company can also invest privately and don't have to do anything else. Just take out a portion of the money to follow the company, which is not only safe, but also safe.

"Then it's settled. After discussing it, you can come to the capital directly!"

—————————————————————

After seeing Li Fangping away, Lin Zheng felt much more refreshed.

In my opinion, the bank is the biggest problem, but I didn't expect it to be a big problem. This is really... life is full of comedy. However, Lin Zheng's good mood was quickly dispersed by a bad news that followed. Listening to what the secretary came to tell him, Lin Zheng frowned, "What did you say?"

Knowing that he had no good feelings for the one from the Ministry of Posts and Telecommunications, the secretary said tremblingly, "Boss, Director Li Xinjie of the Ministry of Posts and Telecommunications wants to come and visit you."

Why does this kind of bad guy interest appear no matter when? When Lin Zheng heard this name, he felt a toothache. Since he was sure that he had provoked someone he could not afford to provoke, Li Xinjie, a bastard, has become a grandson. It was the second day, and he had to "report" every day, and his posture was extremely low.

Of course, Lin Zheng knew in his heart that he was just hoping that he could let him go. To be honest, there was no personal grudge between Lin Zheng and this guy, but this guy's attitude of doing things was too ugly. However... after hesitating for a moment, Lin Zheng still said, "What else did he say?"

"He also said that if you have time tonight, I hope to drink and apologize to you." The little secretary looked at his boss in awe, and didn't dare to take a breath.

This young secretary also went to the Ministry of Posts and Telecommunications with Wu Yuying twice. He knew deeply that Director Li Xinjie's arrogance and domineeringness were just the master who looked at him on his forehead. But he didn't expect that the boss was so powerful. As soon as he got out of his way, this guy immediately became obedient like a grandson. You said you were such a cheap man. If you had known this, why did you do so sarcastic back then?

After pondering for a moment, Lin Zheng asked the little secretary with a smile, "Xiao Chen, do you think I should go, or shouldn't?"

The secretary mustered up the courage, hesitated for a moment, and said, "Boss, I am just a little secretary. How can I do such a big thing?"

"If you say it, just say it," Lin Zheng said with a smile. He was in a good mood today, and he was not stingy in on-demand this little guy. "As long as what you say makes sense, it will be... Maybe I will really adopt your suggestion."

The young secretary laughed twice. He didn't think what the boss said was true, and the possibility of joking was greater. However, since the boss asked this, it seemed that it was not appropriate for him to answer seriously. After thinking about it for a moment, he said carefully, "Boss, then did I say it?"

"I'll say it boldly, I won't blame you if I say it wrong." Lin Zheng waved his hand and was so heroic.

"I think..." the young secretary said hesitantly, "Give him a chance." Before Lin Zheng asked, he quickly explained, "No matter what, there must be one or two more powerful leaders behind Director Li. It doesn't matter if we toss him now, but if his position is really not guaranteed, it may cause us some trouble. And we are businessmen after all, and Director Li is a cadre in the ministries and commissions no matter what." (To be continued...)
Chapter completed!