After introducing Lin Baiyao and Qiao Yannian to each other, Ma Mingzhi completed his task and wisely left first. Secretary Yu poured water for the two of them, then quietly closed the door and exited.
Lin Baiyao sat on the sofa and looked at the room. It was neither luxurious nor simple, just the normal treatment that a normal person should enjoy. From this, we can see the character of Qiao Yannian.
Not engaging in greed and enjoyment shows that he has a spiritual pursuit, acts steadily and has authority; he does not show integrity and self-restraint, which shows that what he needs is not a show, but real achievements in governance.
"Mr. Lin, I have admired your name for a long time, but I didn't expect you to be so young!"
Qiao Yannian did not deliberately leave Lin Baiyao hanging next to him. Considering the status comparison between him and Lin Baiyao, there was no need to play these little tricks. After the door closed, he directly took the tea cup and sat on the sofa on the side.
Lin Baiyao smiled and said: "It's not good to be young. If you have a hairless mouth, some people will always think that you are not doing things well."
Qiao Yannian also laughed and said: "As a young man, it's a small thing to be questioned. As long as results are achieved in the end, all doubts will turn into cheers in the shadows. Don't mind."
These words seemed to be enlightening Lin Baiyao, but also vaguely seemed to be explaining his own position. Lin Baiyao said humbly: "I may not be able to reach the level of Mayor Qiao, and I cannot completely ignore those noisy doubts. I will try my best in the future."
Study more, work harder, and achieve the goal of "famous to the world without persuading, and criticized by the world without discouragement..."
"It's about the difference between inside and outside, the distinction between honor and disgrace, that's all!" Qiao Yannian took the words, with a little more admiration in his eyes, and said: "At Mr. Lin's age, few people are interested in Zhuangzi...
"
Lin Baiyao showed an embarrassed look and said: "Everyone is just trying to do something wrong, but Mayor Qiao is the one who is truly proficient in Zhuangzi."
Qiao Yannian waved his hand and said: "Stop flattering, let's talk about business..."
Although they pretended to be serious, the atmosphere between the two was quite harmonious.
Dealing with people is an art. If you can quickly get along with people of any different status, career or age from strangers to more comfortable ones at any time, then you have reached the so-called understanding of the world.
Lin Baiyao sat up straight, his attitude was not respectful, but serious.
"I have read your plan. It is very good. It has a good idea. It combines Qiong Province's experience in dealing with unfinished buildings and is in line with the actual situation in Dongjiang. It is feasible."
Qiao Yannian first talked about the advantages, then the disadvantages, and said: "But have you calculated the costs? If these commercial buildings cannot be sold next year, the interest on bank loans will crush you."
He smiled and said, "That's not a strict statement. Mr. Lin is very wealthy and might not be able to injure his bones. But the city is under great financial pressure. People are waiting for rice to be cooked everywhere. Every penny they spend would make them want to break it into two flowers. It really goes according to your plan.
There must be a premise for the finance to take the lead in injecting capital, that is, the property market will indeed experience a fundamental rebound and growth next year. Otherwise, Dongjiang will fall from a quagmire into a bigger quagmire. You can just pat your butt and walk away.
I am about to be poked in the back by the common people..."
Qiao Yannian's worries are not unreasonable. Now is the continuation of the national real estate crash. No investors are willing to invest money in the property market. They can't even sell land, let alone these unfinished buildings.
Lin Baiyao must resolve Qiao Yannian's worries, otherwise, even if he has a bright tongue, it will be difficult to win Qiao Yannian's support.
Without Qiao Yannian's support, he would not have been able to get a loan from the bank.
In comparison, how to acquire unfinished buildings is much simpler. Both the city and the banks are eager to sell the unfinished building projects in their hands.
If Lin Baiyao has enough money now, he can completely skip tonight's procedure and directly use the money to buy it from the city government and banks. Not only is he the boss, but he is also waiting to make huge profits next year. Why let others get a share of the pie?
The problem is, he has no money.
The two million dollars in my pocket were thrown into the real estate market, and there was not even a splash.
So, this is an infinite loop.
To solve this cycle, Qiao Yannian must be persuaded.
"Mayor Qiao, my plan is for the municipal government, Finance Bureau, Construction Bureau and other functional departments to join forces with the four major banks and Dongjiang Commercial Bank to establish Dongjiang Urban Construction Investment Company, which can currently be used to specifically undertake and dispose of the backlog of commodities in Dongjiang City.
It can also be entrusted to manage the non-performing assets of buildings and restructure the financial debts of state-owned enterprises in the future. When the city and economy develop, it will be mainly responsible for the construction of urban infrastructure, public facilities, investment and financing, and related asset management."
Lin Baiyao said: "Urban construction investment is not my original creation. Similar companies have been established in two cities before and have played a good role in the urban development process. This model cannot be achieved without forward-looking and courageous leaders.
This will be done in three phases, and currently it is just to deal with unfinished buildings. I estimate that the city’s capital injection of 10 million should be enough.”
"Ten million……"
Qiao Yannian ignored Lin Baiyao's tall hat and still pondered, carefully considering the pros and cons.
"Yes, ten million! With ten million, we can first put up the framework of Urban Construction Investment, and then we can start to deal with all the unfinished building projects. I have done research and found that after several years of wrangling, these unfinished building projects
The rights have basically been confirmed, and once funds are injected, they can be revitalized immediately.”
Qiao Yannian suddenly asked: "How much can you invest in Ning'an Real Estate?"
"Ten million! Ning'an Real Estate and Urban Construction Investment will connect, package the unfinished building projects in Urban Construction Investment, and then use these projects as guarantees with Urban Construction Investment, borrow eight million from the four major banks and Dongfang Commercial Bank, and I will inject two more
One million in cash is also an investment of 10 million. In the future, Ning'an Real Estate can pay the final payment of the project to Urban Construction Investment in batches according to the agreed method and time."
Qiao Yannian smiled and said: "Mr. Lin, you are not being kind..."
Lin Baiyao did not smile this time, and said seriously: "Mayor Qiao, to be bold, I am not as good as you in serving the people, but when it comes to doing business, you may not be as good as me. The thousand dollars invested in urban construction investment
Wan, it's financial. I feel sorry for you if you lose money. But everyone who knows knows that you have made great efforts for the development of Dongjiang and the happiness of people's lives. All the tuition fees should be paid. In recent years, the municipal finance has paid less tuition fees.
? And the 10 million and 2 million I invested are mine personally, and the 8 million was lent to me by the bank with interest, which is actually mine. If I lose, the price I pay will be far greater than
City government. Therefore, in this cooperation, my sincerity is not only the two million personally, nor the eight million loan from the bank, but I will risk my life and fortune to completely solve the problem under the leadership of Mayor Qiao.
Confidence and courage to deal with the problem of unfinished buildings in Dongjiang City."
In fact, Lin Baiyao was willing to invest two million in real money into the real estate market, which showed that he was indeed sincere in cooperating. As for the loan of eight million, Qiao Yannian could understand that no real estate developer would build a building with all his own money. It was not in line with business.
As a rule, no matter how rich you are, you cannot support the cash needs of the real estate industry. No matter who you are, you will have to borrow money from the bank.
"Mr. Lin, I take back what I just said." Qiao Yannian was treating Lin Baiyao on an equal footing. He never spoke in an official tone to his friends, and said, "Although you are sincere, the unfinished buildings in the city involve seven people."
The capital of 800 million yuan, only 10 million yuan, may not be enough to activate it."
Lin Baiyao had expected that he would have such worries, and immediately came up with a second plan, saying: "Urban Construction Investment can use the debt of the unfinished building to obtain 49% of Ning'an Real Estate's shares through a debt-for-equity s
Participate in dividends. In this way, there will be 20 million funds on the book, and it will be liquidated in batches using leverage, which is completely enough."
He got straight to the point and spoke clearly, saying: "Mayor Qiao, 80% of these unfinished building projects were divested from the four major banks and Dongfang Commercial Bank to Urban Construction Investment as non-performing assets. The actual valuation is far lower than the previous 70% to 80%.
100 million, if it can be worth 200 million now, it depends on whether anyone is willing to take over. Otherwise, it is actually worthless."
Lin Baiyao's first plan is to use 10 million to connect all unfinished building projects in urban construction projects. If realized, it is estimated that he can make a fortune.
Even if only 10 million can be used to revitalize hundreds of thousands of square meters of commercial buildings by the end of the year, next year, taking advantage of the surge in the property market, we can withdraw funds while continuing to revitalize. Even if the funds cannot keep up, we can transfer some projects to other investors.
The capital in the market can also earn several times the profit.
However, Qiao Yannian would not agree.
No one with normal intelligence would agree to such a radical plan.
Lin Baiyao is taking a step back to make progress, first throwing out a whimsical one, and then throwing out a second one that is relatively reliable. The contrast between the two is strong, which will make it easier for people to accept it.
In the mature real estate market in later generations, there are generally two methods for acquiring unfinished properties.
The first is asset merger and acquisition, which is similar to the first plan proposed by Lin Baiyao, in which the acquirer pays to acquire the owner’s asset project; the second is equity transfer, in which the acquirer acquires the equity of the owner of the asset project, or all of the asset project.
The party converts the debt of the asset project into equity, becomes a shareholder of the acquirer, cooperates in development, and participates in dividends.
But in 1998, when unfinished buildings first emerged as a new thing at the end of the last century, governments, banks and local governments were still groping for solutions. So as soon as Qiao Yannian read the plan, he immediately asked Ma Mingzhi to notify Lin Baiyao for an interview.
Because he saw that the plan was very maneuverable and was far more complete than any previous plans.
After the interview, Lin Baiyao's second plan was more to his liking.
"Mayor Qiao, another benefit of urban construction investment stocks is that you can send financial and audit personnel to Ning'an Real Estate to supervise the use of all funds. Why are unfinished buildings formed? The main reason is that developers take land from the city.
Then use the land to get a bank loan, and then invest part of the loan in the financial industry, such as lending and stock trading to make quick money, and then use the other part to get the land, and then go to the bank for a loan. This snowballs development and creates an economic boom.
Illusion. Once there is a fluctuation in the financial industry, the money cannot be recovered, or the real estate market is not good, and the newly opened properties cannot be sold, causing the capital chain to break, the developer to go bankrupt and run away, so the unfinished building will be in the hands of the bank, which will cause a bad smell.
It has ruined the face of the government and ruined the lives of ordinary people who buy properties..."
"Allow you and Urban Construction Investment to conduct fund supervision to ensure that my money, loan money, and Urban Construction Investment's money are all used to dispose of unfinished building projects. If you misappropriate a cent, you will have my head!"
This is equivalent to me spending money to take you to a major health care, and I also take the initiative to lie down and go first, using my own innocent body to verify the health of the young lady, and relieve you of worries.
Can your biological father do it?
My biological father can't be so considerate, right?
Qiao Yannian was greatly shocked, and the admiration in his eyes became stronger, and he said: "Mr. Lin, I admire you very much, but I don't understand where does your confidence in next year's property market come from?"
Lin Baiyao knew very well that Qiao Yannian was not a businessman after all. He would not let go just because you said, "I have a keen business sense, I have an economic data analysis model, I have the courage to take a chance and the confidence to win in the end."
Crazy with you.
He will consider business factors, but that is not the main thing.
Only politics can ultimately affect his decision!
"Originally, I shouldn't mention this matter, but I have a chance to say one more thing since I got along with Mayor Qiao tonight." Lin Baiyao whispered: "Does Mayor Qiao have a voice in the Policy and Regulations Department of the Ministry of Construction?
Friends? If so, you can make a call now and ask him if the Ministry of Construction is studying the new housing reform policy on how to deepen the reform of the urban housing system?"
"What?"
Even though Qiao Yannian was deeply nourished, he was also shocked by Lin Baiyao's sudden mention of the Ministry of Construction. He also remembered that because Li Jingdong offended Lin Baiyao that night, Ma Mingzhi came to Dongjiang Hotel to complain overnight, and seemed to have mentioned this seemingly young Lin.
In short, there is a lot of background behind it.
With hesitant doubts, he asked Secretary Yu to come in and accompany the guest first. He went to the back room and made two phone calls and found a friend in the Political and Regulation Department.
There is a "six degrees of separation theory" in interpersonal relationships. The basic idea is that any person on the planet can connect with another person through five intermediaries.
Putting aside the accuracy of this theory, at least Qiao Yannian didn't need five people. He only made two phone calls and found enough connections to get the person on the other end of the phone to reveal inside information that should have been kept confidential.
"...Brother Qiao, you are very well-informed, haven't you just started researching this...Yes, after 1997, the real estate market in Southeast Asia also collapsed. The backlog of commercial housing in China is about 49 million square meters. This is shocking.
If we don't get rid of it quickly, something will happen sooner or later..."
"Yeah, brother Qiao is in charge of local government, and his vision is indeed broader than ours in ministries and commissions. The higher authorities do intend to list residential housing as a new growth point for the national economy. If we really want to promote it, the industrial chain involved will be long.
Building materials, chemicals, steel... To put it bluntly, when you buy a house, you are not allowed to decorate it, buy furniture, or home appliances? This is the driving effect of the entire industry chain...
"Okay, I heard Mr. Yu talk about Brother Qiao a long time ago. Let's get together when we return to Beijing one day..."
Qiao Yannian hung up the phone and looked at the door of the inner room with flashing eyes:
Lin Baiyao, what exactly is it?
There is no doubt that he has the ability to know the policies of the ministries and commissions, and his background is deep.
Since he has such a great background, he will definitely not be short of money. If he goes to Yuezhou and other big cities to collect unfinished properties in advance, wouldn't he earn hundreds of times more than in Dongjiang?
Why bother to guard this small temple in Dongjiang and spend all your efforts to give yourself great political achievements for nothing?
I'm not his father-in-law, and I don't have a beautiful daughter, so I can't be his father-in-law.