Lin Hui now earns tens of thousands of dollars a month and feels uneasy. Feng Yiping earns at least one million dollars a month, but now he seems to have to borrow money. No, professionally speaking, it is financing.

Other companies are not short of funds, but what they lack is Yijia Hotel.

However, Yijia Express Hotel is developing rapidly and is planning its twelfth store. Except for the first store that bought the property rights, the rest are rental properties. However, the average renovation cost for each store is more than 3 million. Although the account is still relatively abundant, according to the current development trend, it is expected that funds will be tight in half a year.

Banks are not parents, they don’t give it immediately. If they don’t have confidence in the financial situation of the company, they don’t have a few banks chasing behind their backs to grant credit, borrowing from banks for the first time and doing this work six months in advance, they can’t be said to be very abundant.

Later, Feng Yiping only opened a small company and was very conscious that he didn't go to the bank to make it boring.

When a man feels most frustrated, he is not only rejected by the goddess, but also spends a lot of time and energy to prepare and submit a lot of information to borrow according to the bank's requirements. Then he said politely and lightly, "Your company does not meet the loan conditions of our bank!"

I thought you were doing well, but at that moment, you would definitely not be able to straighten your waist.

But now it is different. Several banks are working, rushing to get loans. They didn't dare to ask for banks before, but now the banks are asking for themselves, Feng Yiping feels a bit like turning the tables.

In the conference room of Yijia headquarters, I looked through the thick information and Feng Yiping said, "I don't need to look closely. It has zero debt, abundant cash flow, and the lowest growth rate of main business revenue is above 50%. On average, the metal products company with the lowest operating efficiency is also above 15%. The valuation of fixed assets is above 300 million. With such data, do I still have to worry about loans!"

Those who were sitting there laughed. The company has never been short of money. This year, it is mainly because it has bought a piece of land in Hainan and planned to build a hotel. In addition, Yijia is making too fast, and there may be a funding gap in the second half of the year.

"What is the interest rate for one year?" Feng Yiping asked Li Lin.

"Banks are similar, the lowest is 5.35,"

Feng Yiping felt a little sad. If he borrowed 200 million yuan and had a year's financial expenses, he could also buy a top-level villa in the capital.

He is still in the account of UBS in Hong Kong. He can turn over as long as he invests it in. However, it is easy to get in, but it is difficult to get out, especially the US dollar, the US dollar is the US dollar, and the only one who goes out is the RMB.

Besides, although the money is idle now, it can bring high returns by just using it once. In the future, the start-up funds for other projects will still rely on the gains in the financial market, so they still cannot be moved.

"Make two-handed preparations, don't hurry to get loans, and hold those anxious banks. Do another thing first, Mr. Li," he told Li Lin, "You start immediately and set up a fund management center. The main function is to uniformly collect, distribute, use, manage and supervise funds from subordinate companies to maximize the efficiency of fund use.

At the same time, we will explain to all related banks and industrial and commercial departments. In the future, each company can make internal deposits, internal loans and repayments in the fund management center. I guess they will definitely ask for this for a paid one, right?"

Companies are different from individuals. For example, when we borrow money from friends for emergency treatment, it doesn’t matter if we don’t pay interest, but the company is different. Not to mention the account fund withdrawal procedures, even if the financial transactions between the same boss and affiliated companies are not handled properly, such as not collecting interest, there is a possibility of tax evasion or withdrawal of funds.

"Using our current relationship, the work of the bank and industrial and commercial departments is easy to do. Internal lending must be paid, and it is better to charge occupancy fees. We can refer to the bank interest rate and appropriately increase the capital occupancy rate of internal deposits and appropriately decrease the occupancy rate of internal loans, and will not leave the deposit-loan interest rate in the management center.

However, this work is very laborious, and the formulation of relevant processes requires time and the organization of accounts of each company also takes time. At the same time, doing so will add many accounting subjects. In addition, regarding financial processing, statement and reconciliation management, it is best to let Zhitong Company add relevant modules to the financial software." Li Lin thought for a moment and answered Feng Yiping's question in full.

"Mr. Hong is also here today. If you communicate with him yourself, can you sort out all these in four to five months?" Feng Yiping asked.

Li Lin thought for a while, "I have no problem here,"

Hong Haoran said, "Just add some modules, it won't last more than two months,"

"That's good. Now let's count how much surplus each company will have in half a year. My Hong Kong magazines will be able to withdraw at least 20 million at that time," he said about the income from the Chinese version. As for the advertising income of the English version, it is settled in US dollars, and he doesn't want to move for the time being.

"It's okay for the decoration company to withdraw 30 million. It doesn't include the cabinet factory, and the furniture factory can withdraw 10 million," said Mei Yiliang.

"After deducting the expenses of opening a branch in the United States in the middle of the year, Zhitong Company will be able to withdraw at least 10 million at that time,"

"Youjia's expansion has never stopped, but with abundant cash flow, it's okay to withdraw 20 million,"

"Mr. Xu, how many hotels can you open at your own hotel? How much blood can you expect to generate?" Feng Yiping asked Xu Bin, Express Hotel is not a convenience store. Now, it takes less than a month for convenience stores to be prepared to open. A Yijia branch will take at least one quarter from the preliminary preparation to the official opening.

"At that time, we will strive to officially open fifteen stores, based on the current average occupancy rate of 63%, plus the Jiasheng Hotel that will be open after the National Day," Xu Bin pressed the calculator, "between 25 million and 30 million,"

"Just count at 20 million, this does not include logistics companies, metal products companies and other companies. Everyone who is in the market can withdraw 110 million yuan in half a year, with a 60% discount, and more than 65 million yuan. That means it is well-maintained, at least there is no need to raise funds from banks this year." Feng Yiping stared at Li Lin.

"Ideally, that's the case," Li Lin said.

"Okay, I officially decided to postpone the financing matter. In addition, I would like to emphasize a discipline. Even if I have to borrow from the bank, the Fund Management Center will be responsible for the unified loan and repayment. All companies are not allowed to contact the bank privately." After doing this, Feng Yiping was very happy to save another villa.

"Also, Yijia's website should be established as soon as possible, so as to achieve online booking by the second half of the year, and the membership system should also be put into use as soon as possible. For various promotional activities, such as booking through 400 phones, consider giving appropriate discounts. As for whether it is 98 or 95% off, you should consider the specifics yourself. In short, try every means to increase the occupancy rate and enhance your own hematopoietic function." This is a project he is planning to go public. Blood transfusions can be given in the early stage, and in the later stage, it should use his own funds to build a new branch like Youjia.

"Yes, these are all being carried out quickly. Our budget is that as long as 30 branches are put into operation, we can expand with our own funds in the future." Xu Bin said.

"Okay, while I'm still here, everyone will talk about what other problems are there besides funds," and everyone has relaxed after solving the big problem.

Gao Zhiyi opened the door and asked the two girls outside to come in to refill the teacup for everyone. Feng Yiping didn't notice that one of them was the eldest of Feng Jiasheng's beautiful niece, Liu Yuanyuan. (To be continued...)

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Chapter completed!