Chapter 876 Encirclement and Scramble

Chapter 876 Encirclement and Scramble

The next day, Nanyi really asked Ma Jiayan to go to Nanhaimeng Company to check the accounts, but not to check the accounts. In fact, he went to help see if there were any mistakes in the accounts.

As for the lawyer, it's purely lip service.

Early in the morning, Cheng Hainan went to the office of Zeng Dexing of the National Bank to negotiate with Zeng Dexing about the extension of the loan.

"Boss Cheng, I have already said that it is impossible for our bank to extend your loan. In Yecheng, except for state-owned enterprises, our bank has no precedent for extending the loan. There are three days before the loan expires. You might as well think of other ways. "

Cheng Hainan had all the nice words, but Zeng Dexing didn't let him in.

Not to mention that what he said was the truth, but he said that someone had already paid attention to Cheng Hainan's loan and said hello to him, don't extend Cheng Hainan's loan.

"President Zeng, I don't have any other options." 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, it's just that the bank has its rules, and I can't help it... Ah, no, there is really a way." Zeng Dexing said suddenly.

When Cheng Hainan heard this, he quickly asked: "What way?"

"A few days ago, I was contacted by Rachel's non-performing asset management company from Hong Kong, wanting to purchase a batch of non-performing assets from our bank. However, Boss Cheng, your loan is not considered a bad debt, and it will not be evaluated during the evaluation. It is impossible for our bank to sell it at a low price for non-performing assets, so..."

"President Zeng, if you have anything to say, you should speak up. I, Cheng Hainan, know what to do." Cheng Hainan said with interest.

Zeng Dexing rubbed the teacup in his hand and said: "The manager of Rachel's non-performing asset management company who came to Yecheng is a manager named Liu Xueyou. I think this person is very talkative. He lives in Wanghai Building. Boss Cheng might as well talk to him. talk."

"President Zeng, thank you. I'm going to find this Xueyou Liu now." Cheng Hainan stood up and said, "If this matter is done properly, I will definitely thank you very much."

After leaving Guoming Bank, Cheng Hainan immediately rushed to Wanghai Building, and asked Liu Xueyou's room number after doing some tricks at the front desk.

"Which one are you looking for?"

Soon, Cheng Hainan knocked on Liu Xueyou's door.

"Manager Liu, Leihou, Leihou, I'm Cheng Hainan, introduced by President Zeng, and I want to negotiate a deal with you." Cheng Hainan said with a shy smile.

"Is it President Zeng Dexing of Guoming Bank?"

"Yes, yes."

"Please, please."

Xueyou Liu welcomed Cheng Hainan into the room.

After sitting down in the room, Cheng Hainan explained his intention of coming straight to the point, without detours or tactful at all, "Manager Liu, I hope you can represent your company to buy my loan, I will definitely have serious Thanks."

Liu Xueyou was noncommittal, and asked about the details of the loan carefully, Cheng Hainan told the truth.

"Cheng Sheng, this loan of yours cannot be regarded as non-performing assets. Our company bought the one with no profit."

"That's why I need Manager Liu's help. Manager Liu, why don't you tell me the number." Cheng Hainan was really in a hurry, he didn't talk about any skills, how could he be so direct.

Liu Xueyou lit a cigarette for himself, pretending to think about it.

After a long time, he raised a finger, "1 million, half of it will be collected first, and half of it will be collected after the matter is completed. I can keep this land in our company's hands for half a year. You sign a new loan contract with our company. You know, our company asks for high interest, and the repayment method is equal principal."

Cheng Hainan didn't notice the two keywords of high interest and equal principal, and his mind was filled with the number "1 million".

"Manager Liu, don't you want too much?"

"Hey, not much, Cheng Sheng, you don't know our company well. We collect non-performing intellectual property at a discount of 10% or 20%, at most 30%. It's hard for me to accept your loan at the original price. The company explained it."

"Can't be less?"

Liu Xueyou remained silent.

Cheng Hainan struggled for a long time before he gritted his teeth and said, "Okay, 1 million is 1 million. I'll prepare the money."

"Money, don't give it to me directly. Cheng Sheng prepares the money and calls this number." Liu Xueyou said, wrote down a number on the paper and handed it to Cheng Hainan.

Returning to his company with exhaustion, Cheng Hainan still had a sad face.

Just now he agreed happily in front of Xueyou Liu, but 500,000 is still a big problem for him now, he can't think of where to find it.

The considerate Meng Qi silently came behind Cheng Hainan again, stretched out her hands and rubbed his temples, "Brother Hai, how are things 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 said tentatively, "Brother Hai, do you know Boss Pan from Dadi Real Estate?"

"I know, I visit you often."

"Actually...Actually, Boss Pan and I are on good terms. Brother Hai, do you want to go and find him?"

"Pan Wuju?"

Cheng Hainan chewed it in his mouth, feeling a little hard to make a decision.

Cheng Hainan naturally knows the energy of the earth, but is Pan Wuju really reliable?

Seeing that the fire was not enough, Meng Qi added a handful of firewood again: "Brother Hai, do you suspect that there is something between me and Boss Pan? Didn't I tell you that apart from you, I have no intimate relationship with other guests? I'm ready to marry you, don't you even have this little trust?"

After finishing speaking, Meng Qi started to wipe away her tears.

Seeing this, Cheng Hainan's heart was disturbed, and he quickly comforted him: "Meng Qi, what are you talking about? How could I doubt you? If you weren't going to treat your mother back then, why would you have entered the Hailanhong nightclub. Don't worry. , in this world, you are the person I trust the most, Pan Wuju is Pan Wuju, I will contact him and try."

Cheng Hainan said, picked up his mobile phone, thought for a while and dialed a number.

Meng Qi, who was wiping her tears, secretly smiled.

In the college student restaurant, Nan Yi sat at a table next to the stage, listening to the two newcomers of the Band of Sea Trespassers, one pulling Yehu and the other plucking the small sanxian, and they played a piece of "Hungry Horse Rattles".

Because Nanyi often does not participate in the group activities of the band, he has been voted out of the band and has become a collective funder of the band, that is, he does not have to come, and he gets a share of the money spent by the band.

It's all Yu Chuan's jokes. In fact, no one has ever asked Nanyi for money.

After the song "Hungry Horse Rings the Bell", Yu Chuan and another person moved a big drum to the stage, and when it was set up, he pointed to Guide Yi.

Seeing this, Nanyi stepped onto the stage in a hurry, "What are you playing?"

"The southern lion drums, you come to the cymbals."

"Okay."

Nan Yi responded, picked up the cymbal from the side, grasped the red silk of the cymbal with both hands, and set up a posture, waiting for Yu Chuan to light the drum.

After a while, the drumsticks in Yu Chuan's hand made dense drumbeats on the drum. Nan Yi kept up with the rhythm, bumping or rubbing, boom, boom, clang boom boom clang clang, while using the cymbals, Nan Yi made various expressions and movements towards Chuan, that is, fighting cymbals.

As Nanyi struggled, Yu Chuan's drum became heavier and heavier, and his momentum became stronger and stronger. He wanted to suppress Nanyi's arrogance, that is, the drum beat.

Among the folk classical musical instruments, especially in the south, the drum is the king. In front of it, other musical instruments have to stand aside. The only one comparable to it is the suona.

Yu Chuan and Nan Yi were fighting lively, and another person, holding a suona, was playing an excerpt from the Yue opera "Jade Hairpin", and approached the stage step by step.

Seeing this, Nanyi immediately rebelled, put down his cymbal, squeezed into the rhythm of the suona, flicked the non-existent sleeves, and opened his voice: "My daughter-in-law is my flesh, heart and liver flesh, baby flesh, Alin is my palm flesh , my daughter-in-law is the back of my hand, the palm of the hand and the back of the hand are full of meat, the old woman is reluctant to part with those two pieces of meat..."

From "Southern Lion Drumbeat" to Yue Opera "Jade Hairpin", and then to Huangmei Opera "Double Flowers", duet to Li Bihua's "Heart Rain", and then began to become evil, rock "Zhi Hu Zhe Ye", Zhang Qingfang's "Out of the Fortress" which is not easy to classify ", Kirka's "Sadness In Your Eyes/Like Fog Like Rain And Like Wind"...

The Sea Trespassers band has long since lacked the appearance of a band. It is more like Sea Trespassers Utopia. As long as you know how to play musical instruments and can often participate in group activities (Yu Chuan joked: go to college students’ restaurants), you can apply to join the band, and then everyone will play together .

After arguing for more than an hour, Nan Yi and Yu Chuan stepped down and gave up their seats to others, and they sat in the corner.

"When will you come again next time?" Yu Chuan asked.

"have no idea."

"Many people came and left, left and came again, back and forth, and back and forth." Yu Chuan was still the same, speaking in a tone of voice, which made people uncomfortable at first, but he got used to it.

"I'm different. Yecheng has my other courtyard. I come when I should come and leave when I should go. My focus has never been here."

"Understood, this is your place to play."

Nan Yi chuckled, "You're fine, you've been guarding this store, just sit and watch the clouds and the wind be calm."

"Sit in the store and play music, a cup of tea is enough."

"Fuck, you can pretend better than me." Nanyi joked: "Tomorrow I will open a restaurant across the street, and I will sell the same food as you, with a 50% discount, and I will beat you to death."

"My heart is at ease. You won't do things that harm others or benefit yourself." Yu Chuan chuckled.

"You know me quite well, so you escaped a catastrophe. In order to celebrate, please treat me to the overlord's armor at noon."

"Noodles are enough, don't talk about anything else."

"Okay, then eight bowls of Overlord's armor-removing noodles."

"hehe."

At noon, Nan Yi stayed in the college student restaurant to eat noodles, beef brisket noodles, and ate it with Lai. Nan Yi told him to pay attention to Xia Mingyu, a woman, and to see the opportunity to take back the Coconut Tree Building, preferably not more than 50 million.

In the afternoon, the two visited the real estate in Yecheng together.

Yecheng is now full of construction sites, not many roofed ones, most of them are half-block buildings, holding a list from the planning bureau, the two pointed at various real estate buildings, this one belongs to the regular army, that one It's from the motley army, and from the guerrillas.

Nanyi looked at the buildings of the guerrillas very carefully, which ones were built with care and which ones were tofu dregs, and would mark them on the pictures from time to time, so that Lai could find out the situation of the boss behind them.

For half a day, I took a quick look at the flowers, and Nanyi handed over the rest of the work to Lai, who had to get a clear picture of the situation of all real estate.

Lion House.

"Boss Pan, bro, my project is progressing too fast, and the working capital is a bit tight. I want to borrow some from you first to meet the urgent need. The interest is easy to negotiate." Cheng Hainan sat at the dining table, facing Pan Wuju, talking eloquently.

"Thanks to Boss Cheng's respect, I'm just renovating the villa and starting a small business, unlike you, Boss Cheng, who build a building as soon as you make a move. I intend to help, but I'm afraid that my little money will be a drop in the bucket for you, Boss Cheng. "

Before Nanyi found Pan Wuju, he already had a rough idea of ​​what Cheng Hainan was like. Yecheng is not big or small. In the real estate industry, even if he had never seen it, he would have heard of it. If it wasn't for Nanyi , Pan Wuju would never sit here and chat with Cheng Hainan.

"Boss Pan, you're being polite. Who in Yecheng doesn't know that everyone in Dadi Real Estate has enough pockets. Brother, I don't want much. I only need 500,000. I will pay you back 550,000 in one month."

Pan Wuju said relaxedly: "I thought how much Boss Cheng wanted to borrow, but it turned out to be only 500,000 yuan, which is not much money, but... Boss Cheng, it seems that you and I are not familiar enough to borrow such a large amount of money. Besides, the interest of 50,000 yuan sounds like a lot, but I want to invest this money in the land speculation business, and it is likely to double in a month."

Cheng Hainan understood what Pan Wuju meant. It wasn't that the other party didn't want to borrow, but that the interest rate was too low.

"Boss Pan, let's be open and honest, you say the number."

"Boss Cheng, do you have any collateral?"

"No."

A trace of contempt appeared on Pan Wuju's face, "Boss Cheng, you are kidding me. How can I lend you the money without collateral? After a month, if you don't pay it back, who am I going to ask?"

Cheng Hainan hesitated for a while, and said, "I have a house, 80 square meters, in Haixiu."

"80 square meters, even according to the current housing price, it is only worth a little over 300,000. Boss Cheng, what you want to borrow is 500,000."

"Boss Pan, I only have this collateral. Just tell me, whether to borrow or not." Cheng Hainan was already feeling impatient.

Pan Wuju smiled lightly, "It's not impossible to borrow, let me just say it, if Boss Cheng is willing to issue an IOU for 700,000 yuan, and then give me your house at the estimated value of 300,000 yuan, I will immediately give you 500,000 yuan." Send it to Boss Cheng."

Hearing Pan Wuju's words, Cheng Hainan instantly became angry from embarrassment, "Boss Pan, that's too much."

Pan Wuju leaned back in his chair, "Boss Cheng, I know exactly what your situation is now. I also know how much risk there is in lending you money. To be honest, I'm just taking a gamble. Say, if There is no big benefit, why should I gamble?"

Cheng Hainan's face turned red and then turned pale. It turned out that his stubborn airs couldn't bluff people at all. Others knew very well that he was bluffing and had no cards.

After feeling very uncomfortable for a while, Cheng Hainan gritted his teeth and said, "When will I get the money?"

"At any time, if Boss Cheng is in a hurry, he can do it now."

"Right now."

"good."

Pan Wuju raised his hand and called the waiter to him, and settled the bill, as if he didn't remember that Cheng Hainan actually invited him to the meal.

the next day.

In the lower village of Longkun, Nanyi is sitting in the corridor, holding a piece of watermelon in his left hand and an inspection report in his right hand. The watermelon is a Qilin melon, and the report is the construction quality inspection report of Haimeng Building. It is beautiful, and the construction quality of Haimeng Building is surprisingly good.

Nanyi was very curious about Xiang Yunming, the boss of the engineering team of Haimeng Building, and he was able to do such a good job with the help of capital, what brand of confused soup did Cheng Hainan pour him.

After reading the report, Nanyi threw the report back on the table.

On the table, there is a tray and piles of miscellaneous things - there is a black bag with half a million cash in it; there is an IOU, and the ower is Cheng Hainan; Cheng Hainan.

After nibbling the watermelon in his hand and wiping his hands, Nanyi picked up a pile of money, and scratched it against his ear, the banknotes made a rattling sound.

"Unfortunately, I don't have time, otherwise I really want to see if you, Cheng Hainan, are really the protagonist's destiny, can turn decay into magic, and really make Haimeng Building rise from the ground."

Nanyi admires Cheng Hainan's courage. With 1.6 million yuan, he dares to have the idea of ​​building a building, and he really puts it into action, and dares to call it Haimeng Building.

After slandering for a while, Nanyi called Tianxian to him, "Take it and deposit it, and then withdraw 200,000 Hong Kong dollars."

"clear."

Liu Xueyou's action was very fast. He went to Guoming Bank and signed a purchase contract with Guan Dexing, packaged and purchased a non-performing asset of Guoming Bank, and Cheng Hainan's land certificate mortgaged at the bank.

Then I met with Zhao Jinshui again, and the land certificate was sold to Zhao Jinshui at an additional price of 1 million. In the signed transfer contract, Party A and Party B all stamped "Rachel's Non-performing Assets Treatment Company", but one was in simplified Chinese and the other was in traditional Chinese. Surrounded by English.

At around three o'clock in the afternoon, Nanyi had two more contracts in his hand: a transfer contract, and a mortgage loan contract signed by Cheng Hainan, stamped with a simplified official seal.

After looking at Nanyi, he asked Tianxian to send 200,000 Hong Kong dollars and the mortgage loan contract to Jiang Sheng.

In the same room, Jiang Sheng called Meng Qi, and the two of them rarely met during the day, and they were not sitting on the 1.8 meter bed, but sitting next to the bed in the living room.

Meng Qi stared intently at the Hong Kong dollars on the table, one thousand yuan each, two thin stacks of two hundred thousand yuan, and beside the money was a passport, a passport of a small country in Africa, you can get it with just the money.

"I promised you 100,000 Hong Kong dollars, here is 200,000, double."

Meng Qi called out sweetly: "Thank you, Brother Hai."

"I didn't give you a Hong Kong identity." Jiang Sheng pointed to the passport on the table, "As long as you go out on camera and use this passport to enter the country, you will immediately become a foreign guest."

Meng Qi picked up the passport on the table, opened it, and looked at it. She couldn't understand any of the words on the passport, but the photo on it was indeed hers.

"Brother Hai, why is it not Xiangxi'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 don't know how to sit and eat." Meng Qi said unconvinced.

"What can you do in Hong Kong? Keep going to nightclubs?"

Meng Qi grabbed Jiang Sheng's hand, leaned her head on his shoulder, and said coquettishly, "Brother Hai, there is still you."

Jiang Sheng raised his hand to poke Meng Qi's forehead, and pushed her away from his shoulder, "Jiang Lihua, the money has already been given to you, so you don't need to pretend anymore. You have no feelings for me at all. Next, let's talk about cooperation."

Meng Qi hit Jiang Sheng's chest with her fist, "Oh, don't call me by my real name, it's not good, Brother Hai, what kind of cooperation do you want to talk about with me?"

"Cheng Hainan's Haimeng Mansion."

Meng Qi was surprised: "Huh? Haimeng Building?"

"Yes, Haimeng Building, continue to build in your name."

"How to do it?" Meng Qi was sitting upright.

"Get Xiang Yunming, stop the project, and ask him to ask Cheng Hainan for debt."

Meng Qi's small eyes rolled, "It's not difficult to get Xiang Yunming, but, Brother Hai, what benefits do I have?"

"You can get at least ten times what you get now."

"Ten times, or at least."

Meng Qi was instantly elated, and happily talked about the details with Jiang Sheng.

...

Nan Yi hugged Lin Yan in front of him, and patted her gently on the back, "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 down opposite her, and made her another cup of coffee.

Lin Yan picked up the coffee cup, added a piece of sugar into the cup, stirred it with a spoon, took a sip, and immediately showed a happy expression, "Mr. Nan, the coffee is delicious."

"I like to drink it, take some with me when I leave, I grow it at home." Nan Yi unscrewed the cap of the can and took a sip of tea.

"Mr. Nan still has a coffee garden?" Lin Yan asked with interest.

"A few years ago, except for the land that could be used to build a house, other land was not worth much. I bought some land and planted a little of everything, such as black tea, green tea, and coffee. Now I have just entered the period of balance."

"foreign?"

"Hehe, domestic cultivated land is not allowed to be bought or sold." Nanyi smiled and said, "I have withdrawn people who followed you a long time ago, and I don't know your current situation, but since you came to me, you must have more than 100,000 funds in your hand." 5 million."

Lin Yan's face turned serious, "Yes, it has already exceeded. I now have nearly 22 million in cash, as well as Huaxi clothing, housing, office buildings and other properties."

"22 million, not a lot. You went from one million to ten million by speculating on land, right?"

"Yes, after we met last time, I changed the garment factory into Huaxi Clothing and managed it with my heart. I received a lot of orders and made some money. While I was running Huaxi Clothing, I purchased some properties and land at the same time. I didn't think about speculating on the land, I was thinking about expanding the garment factory, who would have thought that the price of land would rise so fast."

Lin Yan said with emotion: "When I bought the land, I paid less than 300,000 yuan, but I sold it at a price of 3.12 million yuan/mu a few days ago. It is a bit scary to be able to sell such a high price for such a remote location.

The current price of land is one day. I thought about using the money to speculate on land, but then I thought about it, the real estate market in Yecheng is very abnormal, and there will definitely be a big crisis waiting in the future. "

"So, you're confused?"

Lin Yan nodded, "Yes, I'm confused and don't know what to do next."

Nan Yi thought for a while and said, "You don't like the clothing industry, right? If you like it, you don't need to be confused. You can directly use the money for the expansion of Huaxi Clothing."

"Yes, I feel that I don't have much passion for the apparel industry." Lin Yan frowned slightly, struggled for a while, and said, "I might prefer real estate, no, it should be said that I like every industry that can give me Opportunities for huge profits.”

"Opportunity? Not an industry?"

Lin Yan thought for a while and said, "I want to invest in opportunities that can bring me big profits, yes, it should be called investment."

Nan Yi nodded and said: "When it comes to investment, I have a little right to speak. About eleven years ago, I wanted to invest in a company with good prospects. I found a middleman to help contact me, but who knows, the other party didn't bother to see me. At first , I am very puzzled, why the other party does not see me, listen to my conditions and then decide whether to want my investment.

Later, as my strength grew and the level of the circle I came into contact with became higher, I gradually understood a truth: some companies are not just something you can invest in if you want to, and there are other things besides capital. "

"What?" Lin Yan asked.

"Network resources."

Lin Yan thought for a while and asked, "Mr. Nan, which company did you want to invest in?"

"Microsoft."

"I've only heard the name before, so I don't know much about it."

Nan Yi nodded, "I don't know, it's normal, 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 in a short time.

Let's talk about investment. You invested in land by mistake and made you a lot of money. This is not a manifestation of your ability, but your luck and good market conditions.

Investing requires luck, but it will only work after the money is invested. Before investing money, you need to do a lot of analysis, from the context of global economic development to the context of industry development, and the information of the object you want to invest in. to analyze.

For example, the real estate market in Yecheng is so hot right now, it seems that everyone involved is making money, but this is not the case, and there are still many people who lose money.

If you were asked to choose an investment among the participants, how should you choose? "

Lin Yanlue thought for a while and said, "I will analyze the investment target's ability, character, and his connections."

"The reason, it's almost like this, let's not talk about the skills required for analysis, if you want to analyze, you must have data for you to analyze, and if you want to get detailed and reliable data, you need to make a detailed investigation.

How to investigate?

From what sources?

Skills, people and connections are needed here.

When you have selected an investment target and invested your money, you should not only pray for luck, but also get on the horse and send it off again to ensure the safety of your investment.

How to help? How to deliver?

Here again skills and connections are needed.

Let me give another fictitious example. When you invest 200,000 in a company when its valuation is 500,000, you get 40% of the shares. When the company’s valuation becomes 5 million, Zhang San, Li Si, and Wang Wu also discovered the value of this company, and they also want to invest in this company.

In addition to money, Zhang San brought the contacts that the company needed for development; Li Si brought big clients; 200,000 follow-up votes.

Guess, at this time, what will your investment object do, will it use all means to kick you out? "

"Maybe, it depends on the character of the investment target." Lin Yan said noncommittally.

Nan Yi shook his head, "No, at this time, the quality of the investment target's character has no effect on the overall situation. As long as the interests are large enough, Zhang, Li and Wang will take the initiative to deal with you. You have to be sensible and take the value-added part with you. People, if you don't know a person, then what is waiting for you really depends on your character.

Let me say this, it’s a little darker, there are more civilized ways, such as diluting your shares, what if Zhang, Li and Wang join forces to inject hundreds of millions of capital into the company? "

Nanyi gestured a little finger with his left hand, "You will become an extremely small minority shareholder with no right to speak, only to be manipulated at will."

After Nan Yi finished speaking, Lin Yan immediately fell silent.

a long time.

"Mr. Nan, I probably understand what you mean. I need to have enough strength to protect my investment, and you can give me this strength, right?"

"Yes, that's not true. You not only need strength to protect your investment, but you also need strength to fight for investment opportunities, just like what I just said about Microsoft. Later, I succeeded in investing in it, relying on strength to snatch investment opportunities from others. .”