In the private room in Miaojiangnan, Li Rui began to teach Xue Xiangui.

"What are the main financial pressures of the company now?" Li Ruixian asked.

Xue Xiangui sighed and said, "There are too many, first of all, the pressure of bank loans. The one-billion-dollar issue here is easy to deal with. After all, I am good friends with Lao Wu and try every means to renew me for one year. But in other banks,

I still have more than 5 billion loans, and basically I have several hundred million loans every one or two months. The repayment pressure is too great!”

Li Rui nodded and said, "There is still pressure to repay the loan...

Xue Xiangui said: "There is also pressure on human resources and salary. Yuanhang now has more than 4,000 employees, and his monthly salary is 30,000 to 40 million!"

"A variety of taxes, backlog of property, sales rebate..."

Tao Yuanyuan and the other two thought that the real estate market was so hot, and developers made a lot of money. After listening to Xue Xiangui's complaints, they realized that it was not easy for developers.

They use limited funds to leverage real estate projects that exceed several times their own assets, and bear huge financial pressure, just like dancing on steel wire wearing shackles, and accidentally falling to pieces.

Tao Yuanyuan even regretted after hearing this. If she had known that real estate was so difficult, she would not have been involved in the matter of Impression of Jiangnan.

However, when I thought that I remembered that the big head of Jiangnan was Li Rui, Tao Yuanyuan felt relieved. Anyway, the sky fell and there were tall people holding her back.

After Xue Xiangui finished speaking, Li Rui nodded and said, "I understand... I'll give you an idea, which can temporarily relieve your financial pressure and allow you to obtain funds to continue to grow and grow. But this idea is a

A double-edged sword can quickly become bigger and stronger while bearing greater financial pressure. Unless the real estate market can keep improving, your capital chain may be broken once it declines. Who will then?

I can't save you."

Xue Xiangui said: "Don't matter whether it is a good or a bad idea, you can tell me first! As long as I can survive this year, even if it is a poison, I will grit my teeth and drink it!"

Li Rui said: "My solution is to set up a wealth company first, and then issue a financial product within Yuanhang. Doesn't Yuanhang have more than 4,000 employees? Each person gives them an investment amount of 100,000 yuan, and the annual rate of return is %

eight."

"Eight percent!" Everyone took a breath. This was far more than the interest rate of similar financial products on the market, and it was too high!

Li Rui smiled and said, "Do you think it's very high, right? Actually, it's not high at all. If you don't believe me, please ask Mr. Xue, what is the interest rate of those non-standard debts he borrowed? I don't think it's less than 15%.

Bar?"

Xue Xiangui said angrily: "Eighteen percent!"

Even Wu Pengju was surprised: "So high!"

Xue Xiangui said: "What do you think... Compared with those vampires, your bank is simply an angel!"

Li Rui continued: "More than 4,000 people, each of them is 400 million. The 400 million yuan obtained by 8% of the interest rate is relatively low."

Xue Xiangui frowned and said, "But why am I using these 400 million?"

Li Rui said: "Don't worry, listen to me and say it slowly. You should pay back a part of the loan for this money first, help the bank complete its performance and reduce risks, and it is easy to borrow and repay it, and it is not difficult to borrow it. As long as you can keep paying back the money, you can

Continue to borrow and maintain the stability of the capital chain."

Xue Xiangui and Wu Pengju nodded together. Although they stood from different angles, they both felt that what Li Rui said was very reasonable.

Banks are not afraid of borrowing money from outside, but are afraid of not being able to collect the money back. If Xue Xiangui can borrow and repay it all the time, then he will be the best customer of the bank. There is no time to maintain such customers, so how can he be willing to leave it aside?

"Continue." Xue Xiangui felt the smell.

"Give out a portion of the dividends and bonuses," Li Rui said.

Xue Xiangui widened his eyes: "Distribute dividends?"

Everyone was stunned. The funds were so tight, and they still paid dividends?

Li Rui said: "That's right, it's just dividends and bonuses. Not only do you have to pay, but you also need to promote them. In this way, everyone knows that when other real estate companies are in a downturn, Yuanhang is operating very well, and no matter how you do business with any party in the future,

Will it be more convenient?"

Xue Xiangui's eyes gradually lit up: "It's interesting, please continue talking!"

Li Rui said again: "The supplier knows that Yuanhang is doing well. Not only will it not force you to pay, but it will also lower the advance payment and even advance funds to build a building for you. Is this the case?"

"Yes!" Xue Xiangui said.

"Then you can talk to suppliers, engineers, and all partners about a relatively low prepayment ratio. It is best to talk to less than 10%, and then work hard to build a building!"

"Who do I build so many buildings to sell?"

"This is the second step. All the properties you build will increase by 20% according to the existing prices!"

Everyone here thinks Li Rui is crazy.

Now that the country regulates the real estate market, many customers who are willing to buy are waiting and watching. The market is so cold. Not only does it not lower the price, but it also increases the price. Is this arguing that the long voyage is not dead fast enough?

Li Rui knew their doubts and smiled and said, "You sell the property at a price of 120%, and then sign a contract with the buyer in the name of Wealth Company. You will refund 5% of the selling price every year, and the cumulative return will be made.

ten years."

Xue Xiangui was confused: "Then why didn't I just give it a discount..." Before he finished speaking, he suddenly understood.

Wu Pengju also understood Li Rui’s thoughts and clapped his hands and said, “It’s amazing!”

The three girls in Taoyuanyuan were confused and didn't understand what they meant.

Wei Lai couldn't help but say, "Isn't that a loss?"

Li Rui spread his hands and said, "How can you lose? For example, Lao Xue used 200 million advance payment to build a property worth 2 billion. He could only sell 3 billion yuan, but now he has increased his price and sold 30 yuan.

Six hundred million. It means that only 200 million spent, and then I took back 3.6 billion."

"Interesting!" Xue Xiangui and Wu Pengju nodded frequently.

Li Rui continued: "On the outside world, Yuanhang's profits have increased and the revenue has also increased, so the plate will naturally become larger. Although there is a 5% return per year, it can be directly made into future sales expenses when making accounts.

The report will be very beautiful!”

"The company's performance is so good, employees' confidence in purchasing company's financial products has increased, the bank is also relieved to make a loan, the suppliers and engineers are willing to advance payment, and may even negotiate commercial ticket payment. At that time, commercial tickets will be obtained at level 2.

It’s circulating in the market, think about how abundant your cash flow is?”

Xue Xiangui was completely shocked: "How did your brain grow? How could you come up with such an idea?"

Li Rui smiled and said, "It's just where I'm going, it's not over yet."

Not finished yet?

Everyone was shocked.
Chapter completed!