Letting Ai Jia be a villain is just a joke. How can the Nan family be a villain? Besides, the plan for Guangyu Electric Appliances this time is quite complicated. All Ai Jia needs to do is a few of these links, and she is not qualified to be a villain leader.

Since 1987, Nan Yi saw the Huang brothers pulling parallel goods at Tianzi Pier in Yangcheng, so he paid attention to the two brothers. At that time, he felt that the two brothers were not rulers, and Yifa’s black man who pulled the orders

If the rules cannot be followed, it is unlikely that national laws that are unfavorable to business development will be obeyed honestly.

[Turning orders was a jargon that was easy to occur at the time. It was directly understood as smuggling. The true meaning cannot be explained, and it is highly likely that all book friends will not see it.]

When it comes to the start of the business, it is not easy for Jingxi Yigou. Nanyi only gave Liuzi the start-up capital and the supply channel summarized by Yaqing Company before opening. It is said that it is a channel, but it is actually a list. Liuzi

You can use the name on the list to launch public relations.

As soon as Jingxi Yigo started selling electrical appliances, it mainly used domestic electrical appliances, and was based on customs confiscation channels. Some overseas Chinese or overseas Chinese personnel brought back domestic transfers as supplements as the policy permits. There were two overseas Chinese acquisition stations in Dongdan and Dazhalan that year.

The electronic foreign goods collected there were all flowing into Liuzi's hands.

After increasing the goods, they reached Liuzi's hands, and the cost price was almost up to the selling price of others. In addition, Nanyi regarded it as a tight curse, the profit of selling foreign goods in Jingxi Yipeng at that time was relatively high than that of his peers.

It can be said to be very meager.

Jingxi Yigo entered the era of small profits at the beginning. In order to maintain profits, promotions for profits will not be too frequent, and often go to the manufacturer to cry and ask for more profit margins.

It can be said that Jingxi Yigo has taken the most difficult development path, and the speed of the accumulation of original funds is less than one-thirty of that of its competitors. If Nanyi had not been supplying blood behind the scenes and making a lot of money in the stock that year

The pen stabilized Liuzi's morale, and Jingxi Yigou was likely to fall on the way.

In contrast, Guangyu Electric Appliances has developed later than Jingxi Yigou, and the starting funds cannot be compared. The initial investment of a total of 30,000 yuan is quite complex, with borrowing and loans. However, although the funds are small, the utilization rate is

The value generated was very high. With his sensibility, he gave some deposit and a batch of goods from Yifa and sold them. The amount of funds for Guangyu Electric Appliances immediately exceeded 100,000 yuan.

After just doing this five or six times, the two brothers of the Huang family, who were active, were already thinking about draining away the easy-to-explore moisture so that the middlemen would not make the difference.

Obviously they did not succeed. After walking two or three times, they were pressed by Yifa. The two brothers suffered a little, but they could continue to get goods from Yifa without delaying the development of Guangyu Electrical Appliances.

In the years when Japanese electrical appliances were best-selling, relying on their huge profit margins, Guangyu Electric Appliances has created many popular "innovations" in its operations, making money every day, and its scale is growing like a balloon, with branches one by one, one by one.

open.

From scrambling together 30,000 yuan to having a net worth over 100 million yuan, Huang Guomei paid only for smuggling and tax evasion and snatching into the detention center for half a year, which can be said to be very light.

In 1993, the Huang brothers, who were already rich, split up. The older brother Huang Guoliang left Guangyu Electric Appliances and plunged into real estate and established the rhubarb system. The younger brother Huang Guomei also launched diversified operations and retail of electrical appliances.

There are other miscellaneous things in real estate, and as long as you can make money, he formed the Xiaohuang system and parrottishly proposed the business method of "business people have no territory".

If you want to say that the only generation of the Chinese business world in China is the bank. The others are richest, second rich, third, fourth, fifth, six, seven or eight rich. Hawkers can include businessmen above. One or two, and they have to call the bank a master.

If a bank chokes his neck, he will automatically add the word "small" before his surname and the word "small" before his name. The domineering president instantly becomes a pug, his womb sound is soft and charming, like a mountain flowing water, like a beautiful woman whispering, then

It's called a sensational and a sensational style.

It is not too shabby to make money. Nan Yi has been a pug and a licking dog. For example, during the Yaqing Company, he practiced table tennis hard, just to shake his tail in front of Fan Guangfu to make it pleasing to the eye.

Even today, Nan Yi never forgets to practice dog licking skills. While being licked by others, he is always ready to lick others. When he introduces himself, he always has humility and those who are always humble.

Domineering words are always unrelated to Nanyi. They have no tiger body, tiger eyes, tiger courage, only the wolf heart of unity, cooperation and sharing benefits, and only the dog lungs that dare to eat when the owner throws food on the ground.

It looks like a dog from a distance, but only when you look close can you find it is Nan Yi. This is quite appropriate to use to mock Nan Yi.

Hair is born from the heart. Nan Yi's hair is dense and soft, which fully reveals his inner scent, but he is timid and soft. Huang Guomei is different. Her hairstyle always switches between a hard big back and a shiny shiny one.

, there are also many flowers and intestines, and they are brave enough to be the first in the world, and regard everyone as a flatterer as a little Yin, or even a little fool Yin, playing with him in his palm.

In the second half of the 1990s, Japanese electrical appliances were still popular, but Guangyu Electric Appliances Tree attracted a lot of money. The most profitable transactions cannot be expanded without restrictions, and can only be done secretly. Huang Guomei, who has been around for billions of dollars, naturally cannot tolerate this kind of thing in her eyes.

Small money.

The profits of serious domestic electrical appliances are small. Even if he uses all kinds of means to force the supply price of electrical appliance manufacturers, the profits are still not much thicker. It also makes the manufacturers angry at him and dare not speak out. The world has been afraid of being bad for a long time.

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Ms. Dong, who is a certain air conditioner, hates him every time she mentions him. If she can, she really wants to swallow the person named Huang alive, but she doesn’t dip it in soy sauce. She will definitely chew the bones and pieces in a meal.

Of course, this is in private. When you meet, you have to smile and welcome others. When you wear shoes, you will be three points short of your own. Huang Dong, Huang Dong, Huang Dong, Huang Dong, you will be lucky.

Because of this, Huang Guomei felt that the business was boring. Seeing that the rhubarb real estate was booming, he also had the idea of ​​doing real estate.

When doing real estate, it is naturally inseparable from the bank. During the process of visiting the bank to pay homage, he fell in love with a girl named Bai Lu. She is very beautiful and has no makeup on her face, but only carved on her forehead.

The four embellished characters "Lending Specialist".

After a while, the man's word love and the woman's love money, the two of them fell in love with each other.

Huang Guomei used eight-carrying sedan chair to marry the egret home, and she didn't need her family to prepare a dowry. She just framed the four big characters and took them over.

After the newlyweds, Huang Guomei's obsession with words became uncontrollable, especially for some imported words, such as "bank director" and "bank president" and "bank president" and so on.

I can’t let go of my hand at the Mobao, and I have to take it with me to go to hotels, nightclubs, and golf courses.

There is a saying that "near travelers will lend, and pro-weds will lend more". Although Huang Guomei was in a period of tightening monetary policy when she started working in real estate, it did not delay him from getting a loan at all. After all, the difficulty will not be, and the difficulty will not be difficult.

Huang Guomei stared at the four words "Lending Specialist" in her study for less than three seconds, and good strategies came as water.

A few days later, Huang Guomei came to the bank gate and silently chanted the spell "Malima, please close your eyes when it's dark." As soon as the spell was released, many people's eyesight dropped sharply, and they reached the point of blindness when they opened their eyes. Huang Guomei was domineering.

With a hum, Long Xing walked into the bank and applied for a mortgage loan for the property he developed.

There is no doubt that it is a mortgage loan, a mortgage loan of "down payment of 30% and a loan of five years". The real estate developed by the left hand will be sold to the right hand after obtaining the pre-sale certificate. The right hand will go to the bank to apply for a loan, and the bank will approve the loan, and the loan will be transferred to the left hand.

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The process is like this. Huang Guomei paid a considerable interest and collected 300 million from the bank.

The reason for doing this is because Huang Guomei is an expert in selling electrical appliances and is quite a layman in real estate. The property he developed is slow to sell due to the large apartment design, which seriously affects the return of funds and invests in subsequent development. Seeing that the market conditions are getting better and better day by day, as

How could a smart person watch? This is the best way to use it.

However, Huang Guomei was holding 300 million yuan and did not invest all the money in real estate. The cost of funds was too high. He was very dissatisfied with the speed of real estate retrieval and was unwilling to spend too much money. However, he was optimistic at the same time.

This industry is well aware that it is profitable and it is impossible not to do it, but it just needs to change to a smarter approach.

In terms of real estate, Huang Guomei embezzled the cash flow generated by Guangyu Electric to the real estate field, but it is only used for the land auction process and will not invest money in the actual construction process.

In the field of home appliance retail, there will be a accounting period between electrical appliance retailers and electrical appliance manufacturers, ranging from the shortest to the first quarter, or as long as one or two years. Guangyu Electric Appliances will mostly start from half a year. In order to generate more cash flow, more funds will be intercepted.

Guangyu Electric’s promotional activities are one after another without stopping.

The funds he intercepted were used to buy land, and during the real estate development process, Huang Guomei asked the builder to advance the real estate development funds, and the actual funds he had to invest were minimal.

From land acquisition, contracting projects, selling building flowers, and moving in by the owner, the actual funds needed are only the land acquisition part, and the remaining funds can be obtained through bank loans and construction contractors to advance funds.

The developer only needs to pay a part of the deposit for the contractor. After the property is topped off, he will recover the funds by selling the property and then repay the bank loan and the remaining part of the construction payments of the builder.

The serious developer development project is probably like this. Ninety-nine percent of domestic developers do this. The only exception is several large companies with Hong Kong-based backgrounds, and several subsidiaries of Creative Real Estate are also included.

The mainland has been developing for more than 20 years, and has never asked builders to advance their funds. They are also asking for loans to banks. The bank president took gifts to the company to take people to dinner, and told the heavy burden of loans at the dinner table, begging brothers.

Help loan a little.

As soon as a bank goes public, it is necessary to be responsible for investors. At least it is necessary to lend money to good funds (no worries about not paying it back). Companies with high reputation earn interest is the safest way to make profits.

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Whether it is Tota Building, Chunshen Building or Nanchen Building, the business model is relatively conservative at first glance. Not to mention that dozens or hundreds of projects in the country are blooming at the same time, even if two projects are carried out at the same time, one is completed. Next one.

If there is a situation where people start construction on both construction sites, it can only indicate that one of the construction sites is in the land development time.

Do not pursue development speed or branding. A project can be split into six or seven independent companies to be responsible for. The three companies are only well-known in the industry. In the outside world, if you change a city, no one will have heard of their names. I have heard of it and most of them learned from the workers working on the construction site.

There are three dishes and one soup when eating; high temperature subsidies are closely separated, and high temperature subsidies cannot be exchanged without any interactions with each other; commercial insurance, compensation must be kept up, and if the workers have a chance, the family must be guaranteed; wages are paid every month, and they will not be delayed or paid.

These are what an unscrupulous capitalist should do, but the number of people that workers who work on the construction site can enjoy is not worth mentioning. What's more, it turns into a cancer of sin and makes workers work for a year, Huang Guomei's little yellow That's it.

The Xiao Huang Group is not among the serious developers, with projects one after another. In order to operate subsequent projects at low cost, Huang Guomei will for a long time owed the project funds for the previous project, even if the funds have been recovered.

You should know that debt will not only be transferred, but will also disappear out of thin air.

Huang Guomei owes the builder money, the builder owes the contractor, and the contractor owes the workers' wages; the workers can't get the wages and kneel down to the contractor, the contractor is uneasy, and sells the car to invite the builder to have a big meal, and says all the good things , begged for the payment; the builder explained that he had no money, so he put it in the project; the contractor was anxious and punched the builder to death, or wanted to tie the builder's wife, etc. The builder had no choice but to sell the property and ran away .

Whether it is dead or running away, the creditors will disappear anyway. No, the debt will disappear out of thin air.

Even if you don’t die, you won’t run. If you can, you can still drag it. As long as you drag it long enough, you will win. Time is simply amazing. As long as you are willing to give it twenty years, it can turn something that can win a certificate into a killing.

Huang Guomei not only plays with advances, owes debts, and makes installments when paying land funds, but also develops a variety of financing methods.

For example, when the monetary policy is tightened, developers can borrow money through usury, earn intermediary fees using information asymmetry, attract cross-industry investment, and raise funds from foreign investment banks.

Ultimate loans refer to the developer who finds land and finds private lenders to obtain a bridge loan at a high monthly interest rate to pay for land transfer or equity transfer fees. After obtaining a land use certificate, apply for a loan from the bank and use it To repay the previous bridge loan.

If the bank does not agree to the loan, the developer can continue to borrow from private lenders, borrow new and repay old, and continue to cycle.

Using information asymmetry to earn intermediary fees means that developers often use information asymmetry to pay deposits for equity transfer or land auctions first, and then transfer the project as a whole to other developers, thereby earning a higher premium.

Attracting cross-industry investment means attracting companies in other industry into the real estate sector by selling equity in project companies.

Investing in foreign capital means signing a financing agreement with a foreign investment bank and promising a high rate of return for foreign capital to obtain investment.

According to the current and previous two years of the real estate market, land transfer fees must be paid. Only after paying the land transfer fees can you obtain a land use certificate.

However, Huang Guomei would ask his subordinates to delay paying the land deposit and transfer fee as much as possible. Although they will pay in full in the end, using this delay time will give him more time to revitalize the funds in his hands.

Huang Guomei's unreasonable requests sometimes make things difficult for his subordinates. When someone complains, he will immediately scold his subordinates, "Pu, you, can't even do this for spending money to ask you?"

Under Huang Guomei's pressure, his men could only delay various payments through all possible means.

After the preliminary project financing is in place, it officially enters the development stage. At this time, developers can complete the project development by asking construction contractors to advance funds to relieve their financial pressure.
To be continued...