When Nanyi drafted the Wenchang Wei Conference charter in Wenchang Wei, Liang Huiwen organized a acquisition in Xiangkou. Nanguo Bank merged a company called Dawenhan Investment, and incorporated it together with the company's boss Ma Shimin.

Or it can be said that it was to absorb the talent of Ma Shimin that his company was incorporated.

In 1960, Ma Shimin [Simon Murray], a native of Eagle, was 20 years old. He joined the Far Foreign Corps in Marseille, Fab, and served for a total of 5 years. He was stationed in Algeria and retired in 1965.

After retiring, Ma Shimin joined Jardine & Foreign Company and worked in the Far East, starting from low-cost, selling air conditioning systems and elevators. After working for 14 years, Ma Shimin left Jardine & Partners and formed a company named Dawenhan to invest with his partner.

If he followed the normal trajectory, he would be absorbed by Li Tongban and became the managing director of Hutchison Whampoa. However, Nan Yi took a fancy to his ability to manage banks and absorbed him in order to be the president of Nanguo Bank's Xiangjun Branch.

The branch is a bit suspicious of being pretended to behave, and Nanguo Bank now only has such a head office and branch. Therefore, Ma Shimin is now the actual boss of Nanguo Bank, but in name it has the word "branch".

With Ma Shimin's joining, Nanguo Bank also means going on track.

The first task that Nanyi asked Liang Huiwen to assign to Ma Shimin was to establish an investment company under Nanguo Bank - 1984, commonly known as the Gongfuhui. This company was officially established in Shenzhen on January 1, 1984.

It is impossible for Nanguo Bank to enter the mainland now. Before the mainland proposed the "wto" strategy, financial companies will definitely not be able to enter the mainland. Even if they come in, they will not be able to perform their own functions.

1984 was the first year of mainland companies. At the end of 1983, Nanyi felt a "breeze" that was about to sweep the whole country, and going into the sea has become a fashion that everyone is rushing to catch up.

The presentation that Nan Yi was drafting was called Biaohui in some places, and some were called Yinhui, which was also called the Hehui in legal terms.

The initiator of the conference, that is, the organizer [Nan Yi] is generally called Huitou, and ordinary members are called Huitou.

The head of the association is responsible for raising, registering, recovering and bidding the membership fees of the entire meeting, and is responsible for handing over each remittance to the meeting, otherwise the compensation liability will be paid.

In return, the head of the meeting does not require bidding. The total membership fee of one of the two membership fees paid at the first meeting can be drawn from all the two membership fees paid at one time for control. The principal is only necessary to return everyone. The meeting must pay the agreed amount according to the agreed period.

The presentation has a long history. In ancient times, when people usually urgently needed money when they were "get homes and get married" or weddings, but they had no other ability to obtain financial resources, they would initiate a presentation to solve the urgent need for money. A group of familiar people would help each other.

The presentation is an original mutually aid private financial activity. For example, 10 people attend the presentation, and the presentation of 1,000 yuan is the one who pays 100 yuan. The draw of lots determines who will present the 1,000 yuan to first, or who needs to use the money to present it to him first.

There is usually a meeting owner who confirms the order of the meeting by drawing lots or other means. For example, this is a meeting of 1,000 yuan. The person who received the meeting last month will pay a meeting [100 yuan interest] every month. If it is not the turn, it will only pay the meeting.

Another way is to determine the order of meetings, time, and money will decrease in order according to the meeting time. In the end, the person who receives the meeting will pay the least amount of money, which is considered interest compensation.

Starting from the second month, the host will collect money from each place and hand it over to the person who is in the order. This process is called "draw money". The process of presentation and withdrawal is the way to gather funds.

To explain it in a simple way: 10 people, each person pays 100 yuan and gets 1,000 yuan, and by drawing lots, decide which of the 1,000 yuan is given to the 1,000 yuan first for one month [usually one month]. After one month, this person returns the 1,000 yuan plus interest, and then gives the money to the next person.

Until everyone has used it once on the turn, the conference can be completed. Those who do not need money can withdraw, and those who also need money can stay and organize new conferences.

However, the way to draw lots is no longer appropriate. Now, if you want to hold a presentation, you can only decide who to hand over the money to first through bidding.

If you can get together to bid, you will make a profit, I will make a profit of two points. Whoever gives the highest interest will be able to use the money first. The backwards, the lower the interest will be. Those who are ranked at the end may not need interest, or even be given interest.

Money is not used for nothing. Interest is required, which means profit will be generated. Of course, the profit will be divided by the money. 1,000 yuan will become 1,100 yuan in 10 months, and each person can take 110 yuan.

Nan Yi initially wanted to build a Wenchangwei entrepreneurial fund. The village committee took the lead and the village invested public funds. Anyone in the village could apply for money. After approval, the fund could take away the money. After the expiration, it would be enough to return the principal and a little interest.

But if you think deeply, this approach is not possible at all. The farmers do not praise the people so simple, nor do they criticize them as badly as the people who derogate them. They can only say that the countryside is slippery and the people are quite complicated.

If the public funds in the village are corruption, the second thing will be that the money released cannot be collected.

When asked about the money borrowed by others, the villagers may pay it back, but the public funds in the village are likely to not pay it back, and the possibility is quite large.

"I have a share of the money in the village, so why should I pay it back?"

There will definitely be people with this kind of thought, and one will be born with two, two will be born with three, and endless.

Things that are beneficial to you are easy to connect with other companies.

It is too difficult to maintain a entrepreneurship fund, and it also requires a bad person to pay the money to the villagers who owe money to get the money back.

Nan Yi thought about it, and thought about it. He is the most suitable person to sing this black face.

Then he is so fucking. Nan Yi is humble and chivalrous. Can he be such a bad person?

Even if the sea is gone, Nan Yi's good character cannot be changed.

Twenty-four hours a day, he had to spend forty-eight hours thinking about the development of the world. He had to pronounce the names of all the starving children in Africa.

Even if he gave birth to a son, it was not for inheritance, but for the reproduction of human beings and the adjustment of the population structure, so that everyone can eat a fat demographic dividend.

In the study of Nanzhai, Nan Yi was drafting the charter. Suddenly, his right eye was fascinated and tears came out of his mouth. He looked up in the direction of Africa, sighed with a knife, and lifted up the broom beside him and waved it up. He swept down a spider and a spider web.

"I don't know if the net is higher, it's all in my eyes." Nan Yi trampled the spider to death with hatred and swept the body into the feces pan.

The light in the south house is not very good. The whole house looks dark and is located in the countryside. There are a lot of water and plants around it. In summer, mosquitoes and flies, and various insects are inevitable in winter. Spiders naturally like to come to weave webs in the house.

After a long time of busyness, Nan Yi completed the charter for the presentation and designed multiple presentation methods, including emergency monthly, quarterly and annual, which can deal with the short-term, medium-term and long-term shortage of money among villagers.

In every meeting, the village committee will participate as a squad, and by default it will become the last squad to use money.

The village committee is not just for the villagers' presentation. Before planning the presentation, Nan Yi also thought of a business, which is a bridge loan.

Bridge loan, also known as bridge loan, refers to the fact that after the financial institution A obtains the loan project, it temporarily lacks funds and cannot operate, so it consults the financial institution B to ask it to help distribute funds. After the financial institution A is in place, B withdraws.

For B, this loan is called a bridge loan.

In the mainland, the main policy banks such as China Development Bank, Import and Export Bank, and Agricultural Development Bank, and the main commercial banks who play the role of financial institutions B.

In a general sense, a bridge loan is a short-term loan, which is a transitional loan. A bridge loan is an effective tool to directly capitalize the purchase time, and fast recycling is the biggest advantage of a bridge loan.

Bridge loans have a short term, no more than one year, and the interest rate is relatively high, and are collateralized with some collateral such as real estate or inventory. Therefore, bridge loans are also called "bridge financing", "transition financing", "gap financing" or "slalom loan".

These are just the definition and explanation of bridge loans on the surface.

In fact, the operating mode of bridge loans with a relatively large profit and short collection period is to provide bridge funds to loan companies.

Enterprise A owes Bank B a loan of 100 million yuan and will repay the loan in the short term. However, Enterprise A's funds are occupied and the loan cannot be paid back. Enterprise A will negotiate with Bank B [the person in charge] on the extension of the loan repayment.

However, the delay in return will reduce the credibility of Company A and will also make it difficult for "Bank B" to deal with.

Therefore, Bank B will actively/passively introduce a "bridge fund", which is used to repay the loan of Enterprise A. Enterprise A needs to give the bridge fund and "Bank B" an interest and "introduction fee".

As the saying goes, it is not difficult to borrow and repay. Once the previous loan is paid off, the subsequent loan will be easy to negotiate. Bank B will lend another amount of funds to Enterprise A.

Generally speaking, before the bridge funds help repay the loan, Bank B had "privately" made it clear that it would definitely lend a new loan to Enterprise A, and in this new loan, the money from the bridge funds would be directly transferred.

For bridge funds, this kind of business risk is very low.

Moreover, this operation is really a joy and everyone is happy. At first glance, it does not harm anyone's interests, whether it is public or private.

If we break this closed loop apart, it is nothing more than that the company A cannot repay the loan. He borrowed money and first paid it back, and then borrowed another loan to the party who lent it the money. There was nothing wrong with it.

As time goes by, Wenchangwei will have more and more idle funds. If you use idle funds to do this kind of business, you can doubling the funds every year at the beginning. As the amount of funds increases, you can also ensure a profit of 30% to 50% a year.

When the time is right, Wenchangwei can also establish a financial institution, or even Wenchang Bank.

This kind of business has high profits and low risks. The difficulty is that the threshold is very high, and not everyone can do it. This is also the common feature of good business. Not everyone can do it well, and it will only become the private land for a few people.

This threshold is not a problem for Wenchangwei. There is a woman who has lost weight in the capital. She is half a Wenchangwei. Through her, it is still possible to have some people around Wenchangwei.

Putting the prepared regulations on his body, Nanyi walked towards the food factory again.

Although today's food factories are still called factories, their scale is already quite large. This scale does not refer to the scale of workers, but the scale of products.

From the earliest making hawthorn slices and fruit peels, to making various figs, then entering the sugar industry to making various sugars.

The shape of the sugar is the same as an umbrella, and it is similar to the three-color sour color, with various colors; lollipops, the kind of sugar hidden in a plastic rod, and after eating, the plastic rod is covered with tooth marks;

There is also orange candy, which has a similar appearance and taste to oranges. Of course, don’t expect that there are really orange ingredients in it, all of which are made of coloring and sweeteners.

In addition, digital letter biscuits, umbrella cakes, sour plum powder, lemon slices, etc. have been successfully developed and are scheduled to be launched on production lines and put into the market one by one.

The laboratory of the food factory is also studying a children's nutritional oral liquid, which contains various precious Chinese medicinal materials, which can prevent polio, improve children's intelligence, improve immunity, etc. Anyway, according to the needs, the effects can be piled up at will.

Of course, according to Nan Yi's consistent principle of being a human being, he never acted like a hooligan. He only made a fuss about the dosage and said that the effect would definitely be effective. However, this effect may require a little more oral liquid to be truly exerted.

For example, ten thousand tons!

In addition to the children's nutritional oral liquid for children, the laboratory is also developing the beauty oral liquid for women, which is aimed at the consumer group, the black heart of young students, the brain oil gold for the elderly, and two Sanjiu oral liquid for all ages and Wuba Pills.

These are just products that are ready now. They will continue to expand their product line in the future. They may also launch Universe One, Moon God, Black Ant, White Spider, etc.

Of course, these products will not be launched in the name of Wenchangwei. They will be scattered all over the country and let agents operate them. In short, the bowl of fat meat with such easy-to-collect IQ tax must be the largest piece of Wenchangwei.

Whoever will do anything to do will be rushed to the end.

Nanyi has been planning now, using the channels of food factories to lay out sales networks, and when it is launched, he will directly spend hundreds of millions of dollars to see who can jump out of competition and whether he has to eat. It has to be decided by Nanyi and his eyes.

Of course, Nan Yi, who is a thief, will definitely not block the road and will not give it to others for a single bite.

Even the most popular and most well-known health products cannot belong to the Wenchang system. If you take the name of the person, you can do it. If you want to make a fortune in Wenchang, just keep your voice silent.

Dad Nan and Mrs. Liu, these two brand names that are currently tentatively tentatively erotic. If they are really enabled, they will make the products of these two brands real materials and become a clear stream in the health care product industry.

After a quick look at the food factory and enjoying the future, Nanyi went to the village committee again.

"Jimin, take this year's account book and I'll take a look." When he arrived at the village committee, Nanyi said to the village accountant Xian Jimin.

"etc."

Xian Jimin responded, then opened the safe, held a stack of books and placed them in front of Nan Yi.

"calculator."

After asking for a calculator, Nan Yi checked the account book while calculating the accounts.

Even at night, his face became very ugly after reading the account book.

Xian Jimin, who had been with Nan Yi, saw Nan Yi's face pulling down and asked, "Nan Yi, what's wrong? Is there a wrong account book? Shouldn't it?"

"What did you do? The difference between the two accounts is 1 point and 2 cents. Be careful when doing things."
To be continued...