Rebirth of the God-level Xueba

"The total is 100 million U.S. dollars." Xiao Chen finally counted the Arabic numerals clearly, read it out gently, and looked at Yang Rui.

Although there are capitalized Chinese characters in parentheses after the numbers, he is still willing to count the Arabic numbers clearly.

The bank officials in the room were a little short of breath.

They are not the masters who have never seen money.

However, a $100 million dollar bill is really rare.

In recent years, China's economy has grown rapidly, and industries with fast rising incomes such as foreign trade will also have revenues of hundreds of millions of dollars. Foreign-funded enterprises have been in China for many years, and they have remitted dozens of millions in remittances at every turn.

But that is the income of the entire industry.

Looking at the whole country, what is the domestic foreign exchange income in one year? The cadres of the bank are familiar with the monthly figures. In the past few months, the average monthly income of the treasury was only a little over 1 billion U.S. dollars.

It is equivalent to saying that Hua Rui's money is equivalent to one-tenth of the treasury's monthly income.

For banks, this concept is even more terrifying. It can be said that the positions they have grown can fill the shortfalls of three or five banks.

Not to mention, Yang Rui was talking about the down payment.

"The pharmaceutical industry really makes money." President Ren was about to enliven the atmosphere, so he said with emotion.

Yang Rui smiled: "The expenses are also high. The US$180 million borrowed before may not be repaid immediately."

The loan to purchase sildenafil was borrowed from the four major banks, and it was a long-term loan without collateral, and naturally there was no reason to return it immediately.

Traditional Chinese people often have the concept of not owing money for peace of mind. However, people cannot rely on this method to stabilize their hearts. If you don’t develop, but seek peace of mind, you will eventually fall into new anxiety.

The first profit sent by the Greenstone Point Company is a sharp sword, which can open countless roads for Yang Rui, and repaying the loan is the most stupid one.

President Ren could only smile with regret, and said: "The money you borrowed, as long as you pay the interest, you should use it... Then, let's save it now?"

Yang Rui did not answer directly. Instead, he looked at Xiao Chen and asked, "How to save it properly?"

"Ah..." Xiao Chen seemed dumbfounded by the question, and looked up, like a rabbit surrounded by dogs.

Yang Rui was not in a hurry, so he waited with peace of mind.

For a long time, Xiao Chen asked: "Do you have to deposit this billion dollars in your account?"

"Yes." Yang Rui replied: "There is no big spending plan for the time being, because there will be profits in the later period, so as long as there is a certain amount of cash preparations."

After thinking about it, Yang Rui said again: "I want to make some preliminary preparations for the Human Genome Project. It is expected that some money will be spent, especially for equipment, which requires foreign exchange."

Filling the laboratory by yourself is an indispensable part of the human genome project.

It is basically impossible to apply for national funds directly without filling.

However, because you use your own money for public laboratories, you should not spend too much. A few million dollars in the early stage and tens of millions in the later stage are enough. The remaining expenses can basically be taken from public funds.

In fact, if the relationship is hard enough and the skin is thick enough to fly to Europe and the United States to give lectures ten times, twenty times, or seventy to eighty times, it may be possible to get millions of dollars to pave the way for Yang Rui’s laboratory before the genome project. .

However, what Yang Rui is most unwilling to do is this kind of thing. What most scholars are most annoyed of is this kind of time-consuming, labor-intensive and face-saving thing. However, most scholars don’t have enough money to buy it. Comfortable.

Yang Rui can.

What does he make money for? Isn't it just for experimenting and experimenting? If he wants to fill in his own money, he will fill in his own money?

The Human Genome Project was not understood by the public in the early stage. It is also very difficult to request national funds. It is even more difficult to find funds in Europe and the United States. If you give it to other scholars, you have to give up, but it is different for Yang Rui.

When necessary, all his cash, including every penny earned by sildenafil, can be filled in, leaving only a few broken houses to live on.

Xiao Chen didn't ask Yang Rui about the specific matters. He thought about it carefully, and said, "When do you expect to use it, and how much is probably it?"

"A month or two, ranging from a few million US dollars to as many as 20 to 30 million." Yang Rui said a little more lenient.

Xiao Chen heard it and said with a wry smile: "Your span is too big."

"Is it too big? It's all within the range compared to 100 million U.S. dollars."

"But for the bank, it's completely different." Xiao Chen didn't look up when he spoke, and he couldn't see the appearance of the bank officials who had changed in discoloration.

In fact, he knew that the faces of the leaders would not be good.

With so much money, unless you speak from the bank's standpoint, any loss will cause the leaders to suffer.

From the bank's point of view, it is best for Yang Rui to deposit 100 million US dollars in a fixed term, and the next point is to deposit a demand. If we can use the interest of demand to deposit a fixed term, of course it will be higher.

And what they expected of Xiao Chen was about hoping that he was like an ordinary bank teller, just persuading customers.

Unfortunately, Xiao Chen was unwilling to do this.

He has been in the banking system for a long time, and he has gradually understood the nature of the banking system.

A bank is a fragile, short-sighted institution that loves the poor and loves the rich.

This is determined by its system structure, and it cannot be changed by the staff inside who love the world.

The profit of the financial system comes from the imbalance of funds.

In order to chase profits, the financial system must become more and more fragile, and in order to protect its fragility, it must be short-sighted.

The capitalist banks only want to lend money to the rich, and the socialist banks do not want to lend money to the poor. The rural credit cooperatives are a brave attempt. As a result, there are many bad debts, and countless members have lost their equity. One or two yuan per person is not falling from the sky.

For bank employees, they are always unavoidable to make an estimate of everything around them.

For example, can work be converted into cash?

It is actually possible. When Xiao Chen graduated, if his family could deposit a large sum of money in the bank, he might be able to overcome the barriers at the grassroots level and enter the branch.

Even the head office, isn't it humbling in front of Yang Rui's 100 million US dollars?

At this moment, Xiao Chen suddenly understood a lot...

Just like the banking system, it will not be changed by love.

When he becomes Yang Rui's middleman, he will not be changed by the deep love of the leader.

Whether it is rationality or the promise of Sunshine Youth, he must be on Yang Rui's side. Only standing on this side is the most correct, sensible, most beneficial, most valuable, and most in line with the promised choice.

"I plan to buy some experimental equipment and consumables. Because it has not yet been decided, the price is difficult to determine, and the timing is like this..." Yang Rui explained to Xiao Chen that he did not shy away from other bank officials.

Xiao Chen's brain became clearer and clearer, and said: "I don't know much about experimental equipment, but for this kind of thing, the manufacturer should not require a lump-sum payment."

"Of course, as long as you give the deposit." Yang Rui nodded.

"In that case, the short-term expenses will only be the deposit, right? The subsequent expenses can be offset by the new income?"

"Theoretically, this is the case." Yang Rui shrugged and said, "The consumables also cost hundreds of thousands of dollars, but it's almost the same. You don't need to pay in full."

He somewhat understood Xiao Chen's operation and was very cooperative.

"In this case, a position of 1 million US dollars is more than enough. After all, there is still income behind, right?" Xiao Chen confirmed to Yang Rui.

Yang Rui nodded.

"What about the local currency? Is 3 million enough?"

"It should be enough." The laboratory's renminbi funding is sufficient, not to mention that Huarui's domestic income is also rising.

In fact, the stadium that Yang Rui built in Wukesong back then is now earning millions.

"In this case, it means that Huarui will idle the 100 million US dollars for a long time? There will be subsequent income. What is the expectation?" Xiao Chen wrote in the notebook.

Yang Rui smiled and said: "If sildenafil can become a blockbuster, it will also cost US$700 or 800 million after tax. Of course, some of this money must be kept abroad to maintain operations."

If it really becomes a blockbuster, it won't be a steady billion-dollar income, it's just the starting price. Viagra is a big bomb ever.

Besides, 1 billion refers to annual income, which has continued for several consecutive years. Expenditure has become less and less, and income is getting higher and higher. It is the normal state of pre-sales of medicines...

Xiao Chen's horrified pen couldn't hold it firmly, and he paused twice before re-sending, "Will Hua Rui want to expand? What about the subsequent expenses?"

"The expansion is already underway. Huarui has other benefits, and the total demand is not too high. But..." Yang Rui thought for a moment, and said, "I want to say that new drugs may be developed later. If this plan is implemented, increase It also costs a lot of money to plant, spend bonuses, establish a domestic sales system, etc..."

After the completion of the clinical experiment center of Hedong University, it will be very good for Huarui to develop new drugs.

Even if Yang Rui doesn't make new drugs by himself, he can still guide them, and it doesn't interfere.

The level of Huarui Laboratory is already quite good.

When Xiao Chen heard this, he realized that there was no problem with the plan, and finally said, "How about asking the bank to provide all the money in the form of a low-interest loan?"

President Ren’s eyes almost stared out, you, a grassroots bank cadre, would you like to understate such a major event?

Xiao Chen didn't give the leaders a chance to refuse, saying: "If we use the 100 million U.S. dollars as the base, I think a 2 billion local currency position is very reasonable, and interest rates below 5% may be more sincere."

"No way, no way." Director Ren couldn't help it, and said: "The interest on ordinary deposits is now 14%. How can I borrow a 5% loan?"

The 1990s was a year of extreme inflation in China.

The five-year deposit interest rate in 1990 was 13.68%, that is, the half-year fixed term has an interest rate of 7.74%.

In contrast, the five-year time deposit interest rate after 30 years is only 5%, even for non-capital-guaranteed wealth management products, the expected interest rate rarely reaches 7%. The interest rate of corporate business loans is usually between 8% and 12%~www.wuxiaspot.com~ The interest rate of small loans and bank installment has reached 18%, which is dangerous, while the interest rate of provident fund loans is only about 4%. The low one is only 3%.

In 1990, the normal bank loan interest rate was 19.26%, which was 15% difference from the 5% interest rate proposed by Xiao Chen, and the difference between 2 billion and 300 million yuan a year.

Yang Rui's loan of 180 million US dollars made many banks quite uneasy, which is also the reason.

Money is depreciating too quickly, and banks are also very difficult to operate.

Today's demand interest rate is up to 11.34%, which can be described as a systematic money shortage.

However, Xiao Chen knew the bank's desire for foreign exchange. He threw $100 million to the Bank of China. If they used it as a reserve fund, they didn't know how many billions of local currency they could get. The benefits brought by this were more than interest.

He first looked at Yang Rui and said: "What do you think about this, the US dollar is stored in the bank, and the bank releases long-term low-interest loans for operation and expansion."

This is actually a common method used by modern enterprises, including the world's largest universal.

Yang Rui was already very satisfied, and immediately said: "It's up to you to decide. It doesn't matter if you have more loans, you can do a little more. Well, will the follow-up profits be the same?"

Xiao Chen laughed twice, then looked at the leaders, and said, "I think it's better to do this for follow-up profits, otherwise, I'll talk about it later."

President Ren succumbed immediately.

He didn't even have time to complain about Xiao Chen's "difficulty picking up outside", so he stepped forward and said, "Professor Yang, then we are settled. From now on, we will be grasshoppers tied to a stick, your Sidina Must sell well."

Sildenafil sells well, he also knows it, but it needs a small gamble on how it sells globally.

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