Chapter 496: Will He Be Silenced?
Chu Weiwei was born into an educated family with two PhDs in her family. Her father teaches at a university and her mother does research at a biotech company.
She has been a good girl since she was young. In the eyes of her parents, relatives, classmates and friends, she is well-educated, quiet and elegant.
It was clearly the first time, but who would have thought that this girl would play even crazier than Cong Shanshan.
"What does she want?"
Glancing at Chu Weiwei, who was curled up in bed and sleeping, Luo Yang asked doubtfully, "Given her family's financial situation, she doesn't need to exchange herself for a position, right?"
"Mr. Luo is really good at judging people."
Cong Shanshan played a supporting role tonight, so she didn’t use up much energy and was able to chat with him: “Looking back now, I really don’t know if I was the one who hooked her or she took the bait.”
"How to say?"
Luo Yang put on his pajamas and walked out of the bedroom, asking as he walked: "There is a description of her family situation on her resume, is it false?"
"This batch of spring recruits is a unified campus recruitment for the bank. The people are selected by the director. When I select people, I only look at their faces and figures."
Cong Shanshan followed and said, "Five people were selected at that time. Two of them were dating and obviously didn't want to do it. Zhou Yue and Xu Lulu tried to persuade them two or three times, but this girl agreed without any hesitation."
"tsk"
Luo Yang sat on the sofa and smacked his lips, "Please keep an eye on her for me later. I don't want to have another hat on my head for no reason."
"Pfft!"
Cong Shanshan couldn't help but laugh out loud: "Then you might as well choose Zhou Yue to come tonight. Didn't you say before that she has a high emotional intelligence? People like this know when to advance and when to retreat, and know how to be patient. Before the goal is achieved, it is easiest to manage them."
"This Zhou Yue can be trained as a talent."
Luo Yang pointed at the cigarettes on the coffee table with his eyes and said, "Just wait and see. In two or three years at most, I will poach her away. And she will definitely agree."
"Snapped!"
Cong Shanshan helped to light a cigarette and put it in Luo Yang's mouth, pouting and saying, "Boss Luo, you still haven't forgiven me yet!"
Injured by mistake.
But Luo Yang didn't explain, and continued the previous topic: "One day in the future, it is not impossible for me to set up a bank for fun. From now on, I will reserve some talents for future use."
If listed companies can raise funds through the stock market to expand their production and operation scale, then unlisted companies that want to seek further development cannot do without banks, which are the most important financing channel.
Although unlisted companies do not need to publish annual reports publicly, there are still traces of the company's accounting and capital transactions.
Therefore, when an enterprise develops to a certain scale, in order to conceal certain information and to facilitate the mobilization and turnover of funds, owning a bank or investing in several banks becomes a problem that must be considered.
The companies under Luo Yang's name are still far from that scale, but that doesn't stop him from imagining it now.
"You're going to start a bank?"
Cong Shanshan, who was kneeling on the carpet and massaging someone's thighs, was stunned.
"Mr. Luo, it is possible for private individuals to run a bank in the country."
"I know that it is difficult to run a private bank in China. At most, we can cooperate with local banks and participate in the form of equity investment."
Luo Yang smiled and said, "But I can open a private bank in Hong Kong and Macau, or control a bank. This shouldn't be difficult."
Cong Shanshan bit her lower lip, raised her head, and stared into Luo Yang's eyes without blinking.
It seemed as if he was trying to judge the credibility of what he had just said.
"Let's not talk about this anymore. Let's talk about that building."
Luo Yang changed the subject very naturally: "Didn't you say before that Dong Xing asked you to collect and organize relevant information? Judging from the current situation, how long can this development company last?"
“It’s hard to tell how long it can last, but from the information we’ve collected, this development company is in a lot of trouble, and it’s huge.”
I don’t know if it was because of Luo Yang’s previous warning or because he just mentioned about starting a bank, but Cong Shanshan was very careful and serious when responding to Luo Yang.
"Oh?"
Luo Yang frowned and asked, "Can you tell me more about it?"
“First of all, there are many shareholders.”
While Cong Shanshan was explaining, her hands kept moving, massaging Luo Yang's thigh in a methodical manner.
“When we bid for the land, the funds came from the cooperation among the three parties.”
“Will the three real estate companies cooperate in the development, or will one company develop it alone, with the other two funds participating?”
"It was developed independently by one company, and the other two investors participated in the form of follow-up investment."
Cong Shanshan has a more detailed understanding of the situation: "The geological conditions in Shanghai are quite special. High-rise buildings with less than 30 floors generally use a combination of deep foundation pits and pile foundations. Their initial budget was based on this, but then there were unexpected changes."
"The geology is wrong?"
"Yes, there is a large rock underneath the foundation, and bored piles are needed to anchor the foundation to that rock."
Although she is not an architect, Cong Shanshan is not at all unfamiliar with these professional names: "The key is that after changing the plan, we found that the rock with the problem was in a slope state during the construction process. After consulting experts, we changed it to bored cast-in-place piles."
Oh my goodness, bored piles!
This period
“Just for the infrastructure project, the construction period has been delayed again and again, and the budget has increased a lot.”
Cong Shanshan continued: "Because of the delay in construction, the pre-sale time was repeatedly postponed, and there was no sales funds to be recovered, but the land mortgage loan needed to be repaid with interest. So about seven months after the start of construction, the development company introduced another investor."
"This investor is the boss of Zhedong, right?"
Luo Yang thought about the news Dong Xuan mentioned during dinner and couldn't help but make some guesses.
"Yes, this new investor has a good relationship with Yongcheng Bank, so the development company later obtained a loan of over 100 million yuan from our bank."
"If that's the case, even if there was an accident with the pile foundation, the initial development funds should be sufficient, so why is it in such a mess now?"
Luo Yang felt a little confused.
He used to be in real estate, so he knew that even if an unexpected event occurred in a project and the budget increased, the number would not be particularly large.
According to Cong Shanshan, this development company introduced a third investor and borrowed money from Yongcheng Bank. How could it not have enough money?
"It is said that the internal management of this company is in a mess, with connections everywhere and corruption rife."
Luo Yang: “.”
Is the boss of this development company a fool?
Although everyone knows that it is difficult to avoid people with connections in a project development, as long as the procurement is within the basic framework, the project budget will basically be sufficient.
Now, judging by Cong Shanshan's tone, it is no longer a simple matter of connections, but a blatant act of blindness.
Luo Yang was sure that this development company was definitely not a mature commercial real estate development company. This project might just be a casual investment, and the boss was cheated by people around him.
Don’t think that this phenomenon is rare. In fact, Luo Yang has seen it a lot.
Some bosses in non-real estate industries quickly became wealthy and their assets expanded rapidly due to the particularity of the times and accidental factors.
As the assets expand, the boss also expands, and begins the so-called enterprise diversification. Moreover, such a boss must be surrounded by a group of fawning blood-sucking leeches who force the boss to invest in hot industries.
Real estate has been quite hot in recent years, so let’s get into real estate.
He had no idea that the group of blood-sucking idiots around him were trying to get rich from this project, and even the projects that could have made money would end up in losses.
".So far, there are five investors for this project, and we have also taken out loans from two banks, Yongcheng Bank and Zhejiang Merchants Bank. Now the project has reached the pre-sale stage, but there is no professional team to operate the commercial real estate sales, which makes it difficult to recover the funds."
Cong Shanshan smacked her lips as she spoke: "The key is that people are not in a hurry now."
“I’m afraid the capital chain of the boss behind this development company will also be in trouble.”
Luo Yang sat up, put out his cigarette, put his right hand on Cong Shanshan's head and rubbed her hair: "If you have time recently, check the boss behind this development company to see if I guessed it right. Open a bottle of champagne and drink some more with me."
Cong Shanshan stood up as she was told and went to help Luo Yang open the wine.
When we came back, the topic of conversation turned to gossip.
"You are considered half of Dong Xuan's confidant. Is there a man around this woman?"
"I don't know."
Cong Shanshan shook her head and said, "Anyway, since I entered the credit center, I haven't seen any close men around her. Many people in the bank privately nicknamed Dong Xing "Mie Jue Nun Tai."
Mistress Miejue, haha.
"She has one at the head office."
Men also gossip, and Luo Yang is no exception.
"That's even less clear."
Cong Shanshan crossed her straight legs and sat sideways on the carpet. Her nightgown was so short that it couldn't even cover her thighs.
She put one arm on Luo Yang's leg and held a goblet in the other hand.
While sipping champagne, he said, "I know that Dong Xing has connections at the headquarters, but there are rumors that she is the woman of a certain big boss. I don't think it's true because I have been to Dong Xing's home in the past few years and have never seen any trace of a man."
This trace includes but is not limited to: men's slippers, men's toiletries, ashtrays, and hair.
"That's the relationship that extends from Dong Xuan's family."
Luo Yang nodded and said, "This possibility is not small."
"whee."
Cong Shanshan raised her head, looked at Luo Yang with a smile on her face and said: "Mr. Luo, you care so much about Dong Xing, it can't be..."
In terms of appearance, although Dong Xuan scored less than 90 points, she is not far off. In addition, she has many plus points in temperament, power and figure. This kind of mature woman in her early thirties has a huge lethality to a certain group of men.
"Don't make wild guesses. I'm not that interested in older people."
Luo Yang lifted Cong Shanshan's chin, looked at her with a smile and said, "Young girls are my cup of tea!"
After all, Dong Xuan is more powerful.
It has nothing to do with age, it’s mainly because Luo Yang can’t control it.
The two chatted and before they knew it, it was past twelve o'clock.
The next day, Luo Yang arrived at the group office before 9:30. When passing by the director's office, he saw An Ying sitting in the waiting area.
"You came back yesterday?"
"Well, I didn't get off the plane until about seven last night."
An Ying followed Luo Yang into the office: "Come here to report to you about my recent work."
"Mr. An, what would you like to drink?"
Chu Jing asked An Ying while helping Luo Yang make tea, his tone quite respectful.
Not only her, but quite a number of female employees in the entire group company regard An Ying as an idol.
"Make me a cup of coffee, less sugar, no mate, thanks!"
An Ying nodded slightly to Chu Jing and sat down opposite Luo Yang's desk.
"How many places did you visit this time?"
Luo Yang said amiably, "As soon as you come back, come and report your work to me. Either you have made some progress or you have encountered some difficulties. Tell me about it."
"During this business trip, I first traveled along the upper reaches of the Yangtze River and preliminarily identified the central China market centered on Jiangcheng and the southwestern market centered on Chengdu and Shancheng. Then I flew to the Pearl River Delta and identified the southern China market centered on Guangzhou and Shenzhen."
An Ying didn't waste any words and reported straightforwardly: "The purpose of determining the central city of the area is to establish a raw material production base in the core area to facilitate the radiation of logistics and distribution."
Luo Yang did not rush to interrupt. He lit a cigarette and listened quietly to An Ying's report.
"According to the plan made at the end of last year, I was going to launch market development in several regional markets simultaneously. But last week you suddenly called me and asked me to give up the direct-operated stores in third-, fourth- and fifth-tier cities first."
An Ying stared at Luo Yang's face and said, "Boss, this is definitely not due to funding. I want to know why the established plan was suddenly changed."
"I have an appointment with Shen Nanpeng from Sequoia Capital. We will meet at the beginning of next month to discuss some things."
There was no need to hide anything from his trusted general: "I know he values Kunpeng Technology, but he still wants to try to promote shared bikes. Of course, this project still needs some time to observe and wait, so this time I want to use his funds to promote the leapfrog development of Lemon CC."
“You want financing?”
Faced with such an answer, An Ying was obviously stunned.
Because in her concept, both Naixue and Lemon CC exist as cash cows and are not short of money. Introducing institutional capital is not even a consideration.
“Complete the expansion sooner, introduce franchisees sooner, and sell Lemon CC sooner.”
Luo Yang used three breakfasts in a row: "Get a large amount of cash flow as soon as possible so that you can enter the food and beverage industry. An Ying, I told you last year that it was impossible before, but it is different now. Since it is a cash cow, it is better not to disperse the equity!"
An Ying nodded heavily: "Boss, I understand. We now have money, channels, and innovative thinking. There is no need to divide the cake!"
"My company will be divided into three states in the future."
Luo Yang smiled and pointed out to An Ying: "For a cash cow, we guarantee absolute control; for a listed company, we help everyone make money together; for a shareholder, we don't participate in management, but use it to expand the business circle and improve the industrial chain of our own enterprise."
"Mr. An, your coffee."
Chu Jing brought the brewed coffee to the table in front of An Ying.
There was obvious hand shaking.
Is the conversation between the boss and Mr. An just now a business secret that I, a personal secretary, can listen to?
Chu Jing wished he had never come to the office just now.
Especially, Luo Yang's gaze suddenly swept across her face with an inexplicable smile.
"You won't be murdered, will you?"
She couldn't help thinking.
(End of this chapter)
