The next day, Nan Yi really asked Ma Jiayan to go to Nanhaimeng Company to check the accounts, but not really to check the accounts. In fact, he went there to help check if there were any mistakes in the accounts.
As for the lawyer, it's just talk.
Early in the morning, Cheng Hainan rushed to Zeng Dexing's office at the National Bank to negotiate with Zeng Dexing about the loan extension.
"Boss Cheng, I've already said that our bank can't give you an extension. In Coconut City, except for state-owned enterprises, our bank has no precedent for extending the loan. There are still three days before the loan expires. You might as well think of other ways."
Cheng Hainan said all the nice things he could, but Zeng Dexing refused to budge.
Not to mention that what he said was the truth, he just said that someone had already set his eyes on Cheng Hainan's loan and warned him not to extend Cheng Hainan's loan.
"President Zeng, I don't have any other ideas." Cheng Hainan said with a bitter face: "If you don't give me an extension, I will go bankrupt."
"Boss Cheng, it's not that I don't want to help you, but the bank has its own rules, and I can't do anything about it... Ah, no, there is actually a way." Zeng Dexing said suddenly.
Upon hearing this, Cheng Hainan quickly asked, "What method?"
"A few days ago, a company called Rachel Non-Performing Assets Disposal Company in Hong Kong contacted me and wanted to purchase a batch of non-performing assets from our bank. However, Boss Cheng, your loan cannot be considered a bad debt and will not be assessed as a non-performing asset during the evaluation. Our bank cannot sell it at a low price, so..."
"President Zeng, if you have anything to say, just say it directly. I, Cheng Hainan, know what to do." Cheng Hainan said tactfully.
Zeng Dexing stroked the teacup in his hand and said, "The manager of Rachel's Non-Performing Asset Management Company who came to Coconut City is a manager named Liu Xueyou. I think this person is easy to talk to. He lives in Wanghai Building. Boss Cheng might as well go and talk to him."
"President Zeng, thank you. I will go find Liu Xueyou now." Cheng Hainan stood up and said, "If this matter is handled well, I will definitely reward you handsomely."
After leaving the National Bank, Cheng Hainan immediately rushed to Wanghai Building and used a little trick at the front desk to ask for Liu Xueyou's room number.
"Who are you looking for?"
Soon, Cheng Hainan knocked on Jacky Liu's door.
"Manager Liu, Lei Hou, Lei Hou, I'm Cheng Hainan. I was introduced by President Zeng. I want to discuss a deal with you." Cheng Hainan said with a shy smile.
"Is he President Zeng Dexing of the National Bank?"
"Yes, yes."
"Please, please."
Jacky Liu welcomed Cheng Hainan into the room.
After sitting down in the room, Cheng Hainan directly explained his purpose without any roundabout way or euphemism. "Manager Liu, I hope you can buy out my loan on behalf of your company. I will definitely reward you handsomely."
Jacky Liu did not comment and asked about the details of the loan in detail, and Cheng Hainan told him the truth.
"Mr. Cheng, your loan cannot be considered a non-performing asset. Our company will not make any profit from purchasing it."
"That's why we need Manager Liu's help. Manager Liu, why don't you just tell me a number?" Cheng Hainan was really anxious. How could it be so direct without any technique?
Jacky Liu lit a cigarette for himself and pretended to consider it.
After a long while, he raised a finger and said, "1 million, I will take half first, and the other half after the deal is done. I can let our company keep this piece of land for half a year. You sign a new loan contract with our company. I tell you, our company charges a very high interest rate, and the repayment method is equal installments of the principal."
Cheng Hainan did not pay attention to the two key words: high interest rate and equal principal payment. His mind was filled with the number "1 million".
"Manager Liu, are you asking for too much?"
"Hey, it's not much, Mr. Cheng, you don't know our company. When we buy bad intellectual property, we charge 10% or 20% off, at most 30% off. We want to buy your loan at the original price, and it's hard for me to explain to the company."
"Not a single bit less?"
Jacky Lau remained silent.
Cheng Hainan struggled for a long time before gritting his teeth and saying, "Okay, 1 million is 1 million. I'll go get the money."
"Don't give me the money directly. Mr. Cheng, prepare the money and call this number." Jacky Liu said as he wrote down a number on a piece of paper and handed it to Cheng Hainan.
Cheng Hainan returned to his company exhausted, but still with a worried look on his face.
He agreed readily in front of Jacky Liu just now, but 500,000 is a big problem for him now, and he has no idea where to find it.
The considerate Meng Qi quietly came behind Cheng Hainan again, stretched out her hands and rubbed his temples, "Brother Hai, how is it going?"
“There is hope, and there is no hope.”
"What's the matter?"
Cheng Hainan sighed and said, "I need 500,000 yuan. Where can I get it?"
Meng Qi bit her lip and asked tentatively: "Brother Hai, do you know Mr. Pan from Dadi Real Estate?"
"I know. I visit you often."
"Actually...actually, Boss Pan and I are pretty good friends. Brother Hai, do you want to go look for him?"
"Pan Wuju?"
Cheng Hainan chewed it in his mouth, feeling a little undecided.
Cheng Hainan naturally knew the power of the earth, but was Pan Wujie really reliable?
Seeing that the fire was not yet heated enough, Meng Qi added another handful of firewood: "Brother Hai, do you suspect that there is something going on between me and Boss Pan? Didn't I tell you that besides you, I don't have any intimate relationships with other customers? I'm ready to marry you, don't you even have this little trust?"
After saying that, Meng Qi began to wipe her tears.
Seeing this, Cheng Hainan's heart was in turmoil, and he quickly tried to comfort her: "Mengqi, what are you talking about? How could I doubt you? If you hadn't wanted to treat your mother's illness, why would you have entered Hailanhong Nightclub? Don't worry, you are the person I trust the most in this world. Pan Wuju is Pan Wuju, I'll try to contact him."
Cheng Hainan said this, picked up his mobile phone, thought for a moment and dialed a number.
Meng Qi, who was wiping her tears, secretly smiled.
In the university cafeteria, Nan Yi sat at a table next to the stage, listening to two new members of the Chuanghairen band, one playing the yehu and the other plucking the small sanxian, playing a song "The Hungry Horse Ringing the Bell" together.
Since Nan Yi often does not participate in the band's collective activities, he has been voted out of the band and has become the band's collective investor. That means he doesn't have to come, but he has to pay a share of the money spent by the band.
These were all Yu Chuan's jokes. In fact, no one had ever asked Nan Yi for money.
After the song "The Hungry Horse Rings the Bell" was played, Yu Chuan and another person moved a big drum to the stage. After it was set up, he pointed at Nan Yi.
Nan Yi saw this and walked up to the stage happily, "What are you playing?"
"The Southern Lion drum beats, you play the cymbals."
"Okay."
Nan Yi responded, picked up the cymbals from the side, grasped the red silk of the cymbals with both hands, got ready, and waited for Yu Chuan to beat the drum.
After a while, Yu Chuan started to beat out dense drum beats on the drum with the drumstick in his hand. Nan Yi followed the rhythm, bumping or rubbing the drum, dong dong, dong dong, clang clang~dong dong~clang clang. While playing the cymbals, Nan Yi made various expressions and movements to Yu Chuan, which is a fighting cymbal.
As Nan Yi fought, Yu Chuan beat the drum harder and harder, with more and more momentum, in an attempt to suppress Nan Yi's arrogance, that is, to shock the drum.
Among folk classical instruments, especially in the south, the drum is the king. In front of it, other instruments have to stand aside. The only instrument that can compete with it is the suona. The happy drum and the sad suona, one red and one white, rule the world.
Yu Chuan and Nan Yi were fighting fiercely when another person, holding a suona and playing a selection from the Yue Opera "The Jade Hairpin", approached the stage step by step.
Upon seeing this, Nan Yi immediately rebelled, put down the cymbals, joined the rhythm of the suona, shook his non-existent sleeves, and started singing: "Call my wife my flesh, my sweetheart, my precious flesh. A-lin is the flesh of my palm, and my wife, aunt, is the flesh of the back of my hand. The palm and the back of my hand are all flesh. The old woman can't bear to part with those two pieces of flesh..."
From "Southern Lion Drum Beats" to Yue Opera's "Jade Hairpin", to Huangmei Opera's "Flower Duet", to Li Bihua's "Heart Rain", and then it started to get weird, with the rock "Zhihuzheya", Zhang Qingfang's "Song of the Frontier" which is not easy to classify, and Kirka's "Sadness In Your Eyes/Like Fog, Rain and Wind"...
The Sea Climbing Band no longer looks like a band. It is more like a sea climbing utopia. As long as you can play a musical instrument and can often participate in group activities (Yu Chuan joked: eating at university student restaurants), you can apply to join the band and then everyone can play together.
After more than an hour of commotion, Nan Yi and Yu Chuan stepped down, gave their seats to others, and sat in the corner.
"When will you come next time?" Yu Chuan asked.
"have no idea."
"Many people come and go, go and come again, back and forth, constantly." Yu Chuan is still the same, speaking in a pretentious accent, which makes people uncomfortable at first, but it will be fine once you get used to it.
"I'm different. I have my own villa in Coconut City. I come when I should come and leave when I should leave. My focus has never been here."
"Understood, this is your place to play."
Nan Yi laughed, "You are doing well, you have been guarding this store and watching the clouds and winds go by."
"It's enough to sit in the shop, play music and drink a cup of tea."
"Fuck, you're even more pretentious than me." Nan Yi joked, "Tomorrow I'll open a restaurant across the street, selling the same things as you, at a 50% discount, to squeeze you to death."
"I feel at ease. You won't do anything that harms others and benefits yourself." Yu Chuan chuckled.
"You know me well enough. You have escaped a disaster. To celebrate, you are invited to treat me to lunch. Let's take off our armor."
"Enough noodles, nothing else."
"Okay, then eight bowls of Overlord Armor-Removing Noodles."
"hehe."
At noon, Nan Yi stayed in the university restaurant to eat beef brisket noodles with Lai Huri. Nan Yi told him to pay attention to the woman Xia Mingyu and wait for the right opportunity to take back the Coco Tree Building, preferably without exceeding 50 million.
In the afternoon, the two went shopping in Coconut City's real estate together.
There are construction sites everywhere in Coconut City now. Not many buildings have been completed, and most of them are half-built. Holding a list obtained from the Planning Bureau, the two men pointed at each building and said, "This one belongs to the regular army, that one belongs to the ragtag army, and there is also one owned by the guerrillas."
Nan Yi looked at the guerrillas' buildings very carefully. He marked which ones were built carefully and which ones were shoddy. He would mark them on the map from time to time and let Lai Huri find out the situation of the boss behind them.
After a quick tour in half a day, Nan Yi handed the rest of the work to Lai Huuri, who had to have a clear understanding of the conditions of all the properties.
Lion Tower.
"Boss Pan, my project is progressing too fast and my working capital is a bit tight. I would like to borrow some from you to solve the urgent problem. The interest rate is negotiable." Cheng Hainan sat at the dinner table, facing Pan Wujie, and talked freely.
"Thank you, Boss Cheng, for thinking highly of me. I just sell villas and do some small business. I am not like you, Boss Cheng, who builds a mansion right away. I am willing to help you, but I am afraid that my little money is a drop in the bucket for you, Boss Cheng."
Before Nan Yi found Pan Wuju, he already had a rough idea of ​​what kind of situation Cheng Hainan was in. Coconut City is not a big place, but it is not a small place either. In the real estate industry, even if he has never seen it, he must have heard of it. If it were not for Nan Yi, Pan Wuju would never sit here and chat with Cheng Hainan.
"Boss Pan, you are too polite. Everyone in Coconut City knows that everyone in your Dadi Real Estate has a lot of money. I don't need much, just 500,000 yuan. It will take one month, and I will pay you 550,000 yuan."
Pan Wuju said casually, "I thought Boss Cheng wanted to borrow a lot, but it turns out it's only 500,000. It's not a lot of money, but... Boss Cheng, you and I don't seem to know each other well enough to borrow such a large sum of money. Besides, 50,000 in interest sounds like a lot, but I want to invest this money in the land speculation business. It's very likely to double in a month."
Cheng Hainan understood what Pan Wujie meant. It was not that the other party was unwilling to lend, but that he thought the interest rate was too low.
"Boss Pan, let's be frank and honest. You tell me the number."
"Boss Cheng, do you have any collateral?"
"No."
Pan Wuju showed a trace of contempt on his face, "Boss Cheng, are you kidding me? How can I lend you money without collateral? Who can I turn to if you don't pay it back in a month?"
Cheng Hainan hesitated for a while and said, "I have a house of 80 square meters in Haixiu."
"80 square meters, even at the current housing price, is only worth a little over 300,000 yuan. Boss Cheng, you want to borrow 500,000 yuan."
"Boss Pan, this is the only collateral I have. Just tell me whether you want to lend it to me or not." Cheng Hainan was already feeling impatient.
Pan Wuju smiled faintly, "It's not impossible to borrow money. Let me be frank. If Boss Cheng is willing to write an IOU for 700,000 yuan and mortgage your house to me at an estimated value of 300,000 yuan, I will immediately send 500,000 yuan to Boss Cheng."
Upon hearing what Pan Wujue said, Cheng Hainan instantly became angry and said, "Boss Pan, that's too much."
Pan Wuju leaned back in his chair and said, "Boss Cheng, I know your current situation very well. I also know how big the risk is in lending you money. To be honest, I am just taking a gamble. Tell me, if there is no big benefit, why would I gamble?"
Cheng Hainan's face turned red and then pale. It turned out that his stubborn attitude could not scare anyone. Others knew very well that he was bluffing and had no cards up his sleeve.
After feeling very uncomfortable for a while, Cheng Hainan gritted his teeth and said, "When can I get the money?"
"Anytime. If Boss Cheng is in a hurry, we can do it now."
"Right now."
"good."
Pan Wuji raised his hand and called the waiter over to pay the bill, as if he had forgotten that it was actually Cheng Hainan who treated him to the meal.
the next day.
In Longkunxia Village, Nan Yi was sitting in the corridor, holding a slice of watermelon in his left hand and a test report in his right hand. The watermelon was a Qilin melon, and the report was the construction quality test report of Haimeng Building. The watermelon was sandy and sweet, and the report was very beautiful. The construction quality of Haimeng Building was surprisingly good.
Nan Yi was very curious about Xiang Yunming, the boss of the Haimeng Building construction team. He provided the funds in advance, but still managed to do such a good job on the project. What kind of nonsense did Cheng Hainan feed him?
After reading the report, Nan Yi threw it back on the table.
On the table, there was a tray and some miscellaneous items piled up together - there was a black bag containing 500,000 yuan in cash; there was an IOU, the debtor was Cheng Hainan; and there was also a house deed, the owner was still Cheng Hainan.
After eating the watermelon in his hand and wiping his hands, Nan Yi picked up a stack of money and rubbed it next to his ear, and the banknotes made a rustling sound.
"Unfortunately, I don't have time, otherwise I would really like to see if you, Cheng Hainan, are really destined to be the protagonist, able to turn decay into magic and really make the Haimeng Building rise from the ground."
Nan Yi admired Cheng Hainan's courage. He had the idea of ​​building a building with only 1.6 million yuan, and he actually put it into action. He even dared to call it Haimeng Building.
After mumbling for a while, Nan Yi called Tian Xian to his side and said, "Deposit it, and then withdraw another 200,000 Hong Kong dollars."
"clear."
Liu Xueyou acted quickly and signed a purchase contract with Guan Dexing at the National Bank, acquiring a batch of non-performing assets of the National Bank, as well as the land certificate that Cheng Hainan had mortgaged with the bank.
Then he met with Zhao Jinshui again and sold the land certificate to Zhao Jinshui at a higher price of 1 million. On the signed transfer contract, the seals of Party A and Party B were both "Rachel Non-Performing Asset Management Company", but one was in simplified Chinese and the other was in traditional Chinese, with English surrounding it.
Around three o'clock in the afternoon, Nan Yi had two more contracts in his hands: a transfer contract and a mortgage loan contract signed by Cheng Hainan, both of which were stamped with a simplified Chinese official seal.
After Nan Yi reviewed it, he asked Tianxian to deliver the 200,000 Hong Kong dollars and the mortgage loan contract to Jiang Sheng.
In the same room, Jiang Sheng called Meng Qi on the pager. It was a rare occasion for the two of them to meet in the daytime, and they were not sitting on the 1.8-meter-tall bed, but in the living room next to the bed.
Meng Qi stared at the Hong Kong dollars on the table with burning eyes. There were one thousand Hong Kong dollars each, and two hundred thousand Hong Kong dollars were only two thin stacks. Next to the money was a passport, a passport of a small African country, which could be obtained by paying money.
"I promised to give you 100,000 Hong Kong dollars, and here is 200,000, double."
Meng Qi called out sweetly: "Thank you, Brother Hai."
"I didn't apply for a Hong Kong ID for you." Jiang Sheng pointed to the passport on the table, "As long as you appear on camera and enter the country with this passport, you will immediately become a foreign guest."
Meng Qi picked up the passport on the table, opened it and took a look. She couldn't understand any of the words on the passport, but the photo on it was indeed hers.
"Brother Hai, why isn't it Xiangxun's identity?"
"In Hong Kong, an ordinary house with an area of ​​50 square meters costs 2 million Hong Kong dollars. According to your current living standard, 200,000 Hong Kong dollars is only enough for you to live in Hong Kong for three or four years."
"I won't live off my savings." Meng Qi said unconvinced.
"What can you do in Xiangkeng? Continue to go to the nightclub?"
Meng Qi grabbed Jiang Sheng's hand, leaned her head on his shoulder, and said coquettishly: "Brother Hai, don't we still have you?"
Jiang Sheng raised his hand and poked Meng Qi's forehead, pushing her away from his shoulder, "Jiang Lihua, the money has been given to you, no need to pretend anymore, you have no feelings for me at all, next, let's talk about cooperation."
Meng Qi knocked Jiang Sheng's chest with her fist. "Hey, don't call me by my real name. It doesn't sound nice. Brother Hai, what kind of cooperation do you want to discuss with me?"
"Cheng Hainan's Haimeng Building."
Meng Qi was surprised and asked, "Ah? Haimeng Building?"
"Yes, Haimeng Building, continue to build it in your name."
"How to do it?" Meng Qi sat up straight.
"Hit Dingxiang Yunming, stop the project, and ask him to collect the debt from Cheng Hainan."
Meng Qi's eyes rolled, "It's not difficult to deal with Dingxiang Yunming, but, Brother Hai, what's in it for me?"
"You can get at least ten times what you have now."
"Ten times, or at least."
Meng Qi was instantly overjoyed and excitedly talked about the details with Jiang Sheng.
…
Nan Yi hugged Lin Yan in front of him and patted her on the back gently, "Since you came to see me today, I should say congratulations to you."
"Thank you." Lin Yan said softly.
After hugging for a while, Nan Yi let go of Lin Yan, invited her to sit opposite him, and made her a cup of coffee.
Lin Yan picked up the coffee cup, added a piece of sugar into it, stirred it with a spoon, took a sip, and immediately showed a happy expression, "Mr. Nan, the coffee is delicious."
"If you like it, take some with you when you leave. It's grown at home." Nan Yi unscrewed the lid of the can and took a sip of tea.
"Mr. Nan, do you have a coffee plantation?" Lin Yan asked with interest.
"A few years ago, except for land that could be used to build houses, other land was not valuable, so I bought some land and planted a little bit of everything, including black tea, green tea, and coffee. Now I have just reached the point of breaking even."
"foreign?"
"Haha, domestic farmland cannot be bought and sold." Nan Yi smiled and said, "I have already withdrawn the people following you, and I don't know your current situation, but since you came to me, I guess you must have more than 5 million in funds."
Lin Yan's face turned grim. "Yes, it has exceeded that. I now have nearly 22 million in cash, as well as Huaxi Clothing, housing, office buildings and other properties."
"22 million is not a small amount. You made your fortune from one million to ten million by speculating in land, right?"
"Yes, after our last meeting, I changed the name of the clothing factory to Huaxi Clothing, and I ran it diligently. I received many orders and made some money. While running Huaxi Clothing, I also purchased some properties and land. At first, I didn't intend to speculate on the land, but to use it to expand the clothing factory. Who would have thought that the land price would rise so quickly."
Lin Yan said with emotion: "I spent less than 300,000 yuan when I bought the land, but I sold it for 3.12 million yuan per mu a few days ago. It's a bit scary that such a remote location can be sold at such a high price.
The price of land changes every day. I thought about using the money to speculate in land, but then I thought that the real estate market in Coconut City is very abnormal, and there will definitely be a big crisis waiting for me later. "
"So, you are confused?"
Lin Yan nodded, "Yes, I am confused and don't know what to do next."
Nan Yi thought for a moment and said, "You don't like the clothing industry, right? If you like it, you don't have to be confused. You can just use the money to expand Huaxi Clothing."
"Yes, I don't feel that I have much passion for the clothing industry." Lin Yan frowned slightly, hesitated for a while, and said: "I may prefer real estate. No, I should say that I like every opportunity that can bring me huge profits."
"Opportunity? Not industry?"
Lin Yan thought for a moment and said, "I think investing can bring me opportunities for big returns. Yes, I should say it's investment."
Nan Yi nodded and said, "Speaking of investment, I have a say. About eleven years ago, I wanted to invest in a company with good prospects, and I found a middleman to help me contact them. But who knew that the other party would not even bother to see me. At first, I was very confused as to why the other party would not meet me, listen to my conditions, and then decide whether to invest in me.
Later, as my ability grew and the circles I came into contact with became more sophisticated, I gradually came to understand one thing: some companies are not something you can invest in just because you want to. In addition to funding, other things are also required.”
"What is it?" Lin Yan asked.
“Connections and resources.”
Lin Yan thought for a while and asked, "Mr. Nan, which company did you want to invest in?"
"Microsoft."
"I've only heard of this name, but I don't know much about it."
Nan Yi nodded and said, "It's normal not to know about it. This company is not well-known in our country. Only people in the computer industry will pay attention to it. But I believe it will become famous soon.
Let’s talk about investment. You accidentally invested in land and made a lot of money. This is not a reflection of your ability, but rather that you were lucky and encountered a good market.
Investing requires luck, but it will only work after the money is invested. Before investing, a lot of analysis needs to be done, from the global economic development context to the industry development context, and the information about the object you want to invest in. All of these need to be analyzed.
For example, the real estate market in Coconut City is so hot right now, it seems that everyone involved in it is making money, but this is not the case. There are still many people who are losing money.
If you were asked to choose an investment among the participants, how would you choose? "
Lin Yan thought for a moment and said, "I will analyze the investment target's ability, character, and connections he has."
"That's the truth. Let's put aside the skills required for analysis. If you want to analyze, you must have data to analyze. If you want to get detailed and reliable data, you need to conduct a detailed investigation.
How to investigate?
From what channels should the investigation be conducted?
This requires skills, people and connections.
Once you have selected an investment target and invested your money, in addition to praying for luck, you should also give it some support to ensure the safety of your investment.
How to help? How to send?
This again requires skills and connections.
Let me give you another fictitious example. You invest 200,000 yuan in a company when its valuation is 500,000 yuan and acquire 40% of the shares. When the company's valuation becomes 5 million yuan, Zhang San, Li Si, and Wang Wu also discover the value of the company and they also want to invest in it.
In addition to money, Zhang San brings with him the connections that are very much needed for the company's development; Li Si brings with him major clients; Wang Wu is even more exaggerated, his father's cough would shock the whole world three times; and you, you can probably come up with another 200,000 to follow the investment.
Guess what your investment target will do at this time, will it use all means to kick you out? "
"Maybe. It depends on the character of the investment target." Lin Yan said without comment.
Nan Yi shook his head, "No, at this point, the character of the investment target can no longer determine the overall situation. As long as the benefits are big enough, Zhang, Li and Wang will take the initiative to deal with you. If you know what's good for you, take the increased value and leave. If you don't, what's waiting for you really depends on your character.
What I said is a little dark. There are more civilized ways, such as diluting your shares. What if Zhang, Li and Wang join forces to inject hundreds of millions of dollars into the company? "
Nan Yi raised his little finger with his left hand and said, "You will become a small shareholder who can't be any smaller, with no say at all, and can only be manipulated at will."
After Nan Yi finished speaking, Lin Yan fell silent.
a long time.
"Mr. Nan, I roughly understand what you mean. I need to have enough strength to protect my investment, and you can give me this strength, right?"
"Yes and no. Not only do you need strength to protect your investment, you also need strength to fight for investment opportunities. Just like what I just said about Microsoft, I later successfully invested in it and snatched investment opportunities from others with my strength."