Chapter 833 Helping
After lunch, Lin Yan and Luo Lin accompanied Du Wenting upstairs to sit for a while and went to see their little daughter.
Song Yuanchao first went to the study to make two phone calls, and then went to sit on a chair in the garden to drink tea, smoke, and read the newspaper.
The winter in Shanghai is a bit cold, but the weather today is good, the sun is very bright, and it is still very comfortable to sit in the garden.
More than an hour later, Lin Yan accompanied Du Wenting out of the house. Lin Yan pointed in the direction of Song Yuanchao sitting in the garden, and whispered something to Du Wenting. Du Wenting thanked Lin Yan again and then walked towards Song Yuanchao.
"Aid Korea..."
"Come, sit down." Song Yuanchao put down the newspaper and greeted Du Wenting, asking what kind of tea she wanted. Du Wenting waved her hand and said no, but Song Yuanchao still picked up the teapot in front of him and poured her a cup.
"Do you have something to talk to me about today? Is it about Lao Guo?" Song Yuanchao asked straight to the point.
"I knew I couldn't hide it from you. Your wife guessed it just now. No wonder you two can become husband and wife. You are both extremely smart people."
"Hahaha, people of the same family are like birds of a feather." Song Yuanchao smiled and shook his head, then pointed at his face and said, "Old classmate, this is not something I guessed. You almost wrote it on your own face just now. It would be strange if I can't see it."
"Is it so obvious?" Du Wenting touched her face subconsciously and suddenly burst out laughing.
"Tell me, what's going on?" Song Yuanchao asked as he lit a cigarette.
Du Wenting immediately told Song Yuanchao about Guo Tao's situation, especially about Guo Tao's current difficulties. She told Song Yuanchao that she originally didn't want to come to Song Yuanchao, but she felt very uncomfortable seeing her husband in trouble these days. She wanted to help her husband, but she was powerless. After thinking about it, she suddenly thought of Song Yuanchao.
Among all her old classmates, Du Wenting thought about it and found that Song Yuanchao was the best among the few people she was still in touch with. If possible, could Song Yuanchao help her find some connections, especially those in a credit union or bank?
The key now is whether the credit union or bank can give Guo Tao a loan. As long as he has this loan, Guo Tao's factory will have no worries, and he will be able to successfully complete equipment transformation and expand production.
"How much loan does Mr. Guo want to borrow?" Song Yuanchao asked.
"I heard him say that there is a gap of about 600,000 yuan. If 600,000 yuan is really not possible to borrow, 500,000 yuan will be fine," Du Wenting replied.
To be honest, the amount Guo Tao borrowed was not that much, and he took out the loan to purchase equipment and expand production. In addition, his factory is currently performing well, and product orders and sales are on the rise. If he can complete equipment transformation and production expansion, this factory will still have a promising future.
Song Yuanchao and Guo Tao haven't seen each other for a long time. The last time they met was at the Spring Festival trade fair two years ago. In the blink of an eye, a year and a half has passed.
He didn't expect Guo Tao to have such courage. Shortly after the Spring Festival Trade Fair ended that year, Guo Tao resigned from his original position as factory director, took all his family assets to start his own business in the suburbs, and did quite well.
Guo Tao also has unusual ideas in business operations. He did not simply pursue product output and sales volume. Instead, he spent a lot of effort to create his own retro series based on the characteristics of the products, and also found suitable overseas partners.
Looking back on his exchanges with Guo Tao, Song Yuanchao felt that Guo Tao's choice to do this was related to what he said back then. Of course, Guo Tao's own ideas and determination were more important, but no matter what, Guo Tao is now on the right path.
The problem Guo Tao is facing now is the same as that faced by many domestic private enterprises, that is, the problem of financial support during rapid expansion.
Due to the nature of the enterprises, the banking industry has very strict restrictions on private enterprises. I will not comment on the reasons for this policy, but in reality it does restrict the development of private enterprises.
In addition, the credit union did not hide anything in its reply to Guo Tao. Song Yuanchao had dealt with banks a lot and was very familiar with some of the bank's operations and internal regulations. Originally, there were restrictions on loans to private enterprises. Even if there was collateral, there were still procedures for loans. Moreover, Guo Tao could not provide any collateral at all.
In addition, the Chinese New Year is coming soon. It is the practice of banks not to lend money around the Spring Festival. If they want to lend money, they have to wait until after the Spring Festival. Coupled with some objective factors, Song Yuanchao can conclude that it is very unlikely that Guo Tao will get the loan.
A loan amount of only 600,000 yuan, or even more, is nothing to Song Yuanchao. With Song Yuanchao 's channels, he can easily help Guo Tao get the loan by just saying hello to a familiar bank. But Song Yuanchao thought about it and decided not to do so, because the amount was too small, and it would cost a favor to say hello to the bank to handle this matter, and it was not worthwhile to use this favor on such a small loan.
"How about it, Yuanchao, can you help me with this?" Seeing Song Yuanchao in deep thought, Du Wenting couldn't help but ask.
Song Yuanchao shook his head and said, "It's a bit difficult at the bank. Even if you find connections, it won't be done in a day or two. It will take at least ten days or half a month to complete the procedures. Besides, the New Year is coming soon, and the bank's loan business has been suspended..."
"So, there's nothing you can do..." Du Wenting's enthusiastic eyes dimmed in an instant, and she said with some disappointment.
"There is no solution from the bank for now, but there are other ways." Just when Du Wenting thought that this matter was hopeless, Song Yuanchao suddenly said this.
Du Wenting was stunned and asked hurriedly if there was any other way to solve this problem.
Song Yuanchao hesitated for a moment before telling Du Wenting that there was indeed a way, but this method required Guo Tao and Du Wenting to consider it themselves.
Now Guo Tao's factory needs capital investment for equipment renovation and production expansion. Although Guo Tao calculated that this amount of money would be around 600,000 at most, in fact, judging from Song Yuanchao's understanding of the enterprise and Guo Tao's current situation, if Guo Tao wants to complete the overall renovation of the factory in a short period of time, this money may not be enough.
In fact, Song Yuanchao's estimate was correct. Guo Tao planned to solve the most critical problem first, and then rely on subsequent orders to solve other problems step by step. If everything goes well, by next year, Guo Tao will be able to complete his entire transformation of the factory with this method.
Because it is mainly a problem of funds. Guo Tao does not have that much money, and he also knows that even if he can get a loan, neither the credit union nor the bank can lend him more money.
"I know an investment company in Hong Kong. They are currently looking for suitable companies in China to invest in. If Lao Guo's factory can pass their research, it will be able to get a considerable amount of funds."
"There is such a good thing?" Du Wenting was overjoyed and asked quickly, "How do I contact this company? Oh, right, the interest rate on their loans won't be very high, right?"
"It's fine to contact you, but there's one thing I want to make clear in advance. Investment companies are not lending companies. Lending is the business of banks. Other companies do not have the right to do lending business, so there is no such thing as interest."
"No interest? No way? How could there be such a good thing in this world?" It would have been fine if he didn't explain. Once he explained, Du Wenting became even more confused.
Song Yuanchao immediately burst into laughter, and then explained to Du Wenting what an investment company was, what its purpose was, and how it operated.
After understanding it, Du Wenting finally understood the meaning of the investment company, but at the same time, she couldn't help but hesitate. If, according to Song Yuanchao's statement, she sought help from such an investment company, wouldn't it be equivalent to selling part of the enterprise she founded to the other party? Originally, it was her own factory, but after getting the money, part of the factory became the investment company. This result made Du Wenting feel very uncomfortable.
"There are gains and losses. This is a normal business operation. Investment companies invest money for the return. If there is no profit, who would invest? Old classmate, you can't let the investment company give ? Who would be willing to do that? But don't worry. The reason why investment companies invest is mainly to invest in enterprises and business operators. They focus on the future profit and development of the enterprise, not to actually operate the enterprise."
"According to the management mode of investment companies, investment companies generally do not directly intervene in the operation of enterprises, so you do not have to worry about the management power of the enterprise falling into the hands of investment companies. Of course, there are exceptions, which are very rare. However, as long as most of the shares are controlled, the transfer of a part of the shares will not have any impact on the actual control of the company, and the investment company will not interfere with the enterprise. The subsequent profits will be distributed completely according to the operating profits of the enterprise and the division of shares. This will also be determined in a formal document after the two parties communicate in advance."
"Old classmate, you have never done business before, so you may not understand some things even if I explain them to you. How about this? You ask Lao Guo to take some time to talk to this investment company and see what kind of results can be achieved before making a decision? There is no harm in communicating. If it is suitable, you can accept the cooperation of the investment company. This will also be very beneficial to the future development of Lao Guo's company."
"Well, I should go back and ask Lao Guo what he thinks?" Du Wenting said hesitantly.
Song Yuanchao nodded, stood up and asked Du Wenting to wait for a while, then turned and went to the study. After a while, he came back and handed a business card to Du Wenting. Du Wenting took the business card and saw that it had the name of Zhongxing Investment on it, and below it was the address and name of the Shanghai office.
Song Yuanchao told her that if Guo Tao wanted to negotiate, he could give the other party a heads-up in advance and at least give certain discounts on the investment amount and equity ratio. As for the specific extent of the negotiation, it would be up to Guo Tao himself to communicate. If the negotiation really could not be successful, he could tell him and he would think of other ways to contact the bank to see if it could help.
