Chapter 1205: Drawer Agreement

Yang Fei coughed lightly: "Suddenly choked, I mean, I want you to help me find Su Tong."

Chen Mo's heart felt a sudden pain, and said quietly: "I also want to find Mr. Su, she is back, so I don't have to be so tired."

Yang Fei said: "I'm not kidding, I'm serious. We have 200 million yuan in our books. We invest it first, and the project can be contracted out. The project payment can be deferred, at least for one to two years."

Chen Mo pursed her lips and said with a smile: "I often hear people who do engineering say that the most fearful thing about engineering is not being able to settle the payment. It turns out that it's all caused by bosses like you."

Yang Fei said: "What is this? Triangular debt is a problem that every company must face and solve. In recent years, the triangular debt crisis has broken out on a large scale, causing many companies to go bankrupt."

Chen Mo said: "Even if the project payment is in arrears, it is probably still not enough."

Yang Fei said: "All raw materials can also be in arrears. We are backed by Meili Group, and the project is a tens of billions project supported by the government. Raw material suppliers will definitely rush to do business with us."

Chen Mo said: "So, we don't need to pay?"

Yang Fei said: "Of course we have to pay, that's the two billion. Use the two billion as a bait to first draw in the engineering side and the supplier. They see our strength, of course they are willing to cooperate."

Chen Mo said: "According to what you said, we don't even need to invest two billion in advance? Anyway, we can default on everything first?"

Yang Feidao: "In the early days of my business, I only had 250 yuan in my pocket. I still dared to negotiate with Nanhua Factory about agency, and successfully digested all the inventory of Nanhua Factory, earning the first pot of gold."

Chen Mo said: "You are a white wolf with an empty hand. However, the person who can catch the white wolf with an empty hand is the truly powerful person. There are too many empty talkers, but very few people who actually take action and succeed."

Yang Fei said: "Now we are no longer empty-handed, but own the entire Meili Group, so I don't think the 20 billion project is nothing, and the money owed can always be paid off."

Chen Mo said: "What if the engineering party and the raw material party urge the payment?"

Yang Fei said: "One word: procrastination. Procrastinate until the project is open, and then slowly repay the loan."

Chen Mo seems to have learned the most essential things about doing business, which she never understood before.

Yang Fei said: "Although you go ahead and do it boldly, you must have the confidence to win, and you must succeed in this matter, and you will definitely succeed! In this way, your strong belief will be able to infect your partners. Let them be willing to help you advance money."

Chen Mo said: "Eighteen scenes, in addition to Peach Blossom Village, there are also seventeen scenes, which are to be subcontracted to seventeen different contractors, so that risks can be spread, and the debts each contractor can bear are also limited. In addition, We can separate engineering and raw material supply, and each partner will pay less in advance.”

Yang Fei said: "Just do it like this."

Chen Mo thought for a while, and asked the most important question: "What if the partner doesn't agree to advance the funds?"

Yang Fei said: "Those who don't advance capital cannot become our partners."

Chen Mo said: "It's the first time I've done this, and to be honest, I still don't have the confidence."

Yang Fei said: "Although these projects are for tourism development, they are mainly for planting crops. Therefore, I plan to put this investor under the name of 666 Shopping Plaza."

Chen Mo said: "Invested by 666 Company? Do this,

What's good? "

Yang Fei showed a mysterious smile: "You should know that our 666 company has already gone through an IPO. If nothing else, it will be listed around 2000. With such good news, can't it attract powerful partners? ?”

Chen Mo said: "Great! Our company is going to be listed, and we will definitely be able to collect money, so we will have money to pay off our debts. Did you do it on purpose? Putting the Yilin Eighteen Scenery Project under the banner of Liuliu Company is to take advantage of Liuliu The money from the six companies going public?"

Yang Fei said: "Isn't the purpose of a company's listing to replenish working capital and repay debts?"

Chen Mo said: "You are really smart."

Yang Fei said: "From today onwards, you have to learn about listing and stocks. When our company is listed, you have to learn how to manage it."

Chen Mo said: "I have a question to ask you."

Yang Fei said, "What's the problem?"

Chen Mo said: "Chen Shengli manages a listed company..."

Yang Fei was stunned for a moment before he realized that the Chen Shengli she was talking about was referring to her biological father.

"Well, what's wrong?" Yang Fei asked.

Chen Mo said: "I also heard that the reason why he owes debts is related to making false accounts. How does this listed company make false accounts?"

Yang Fei pondered: "There are many methods for this, and they are also called financial methods."

Chen Mo said: "Can you tell me in detail. This kind of knowledge is definitely not learned in school and textbooks. I just want to know how did Chen Shengli fail? On the books of his company, there are obviously 15 100 million in funds, but he owes others several hundred million and can’t get it out.”

Yang Fei said: "The money on the company's books is sometimes not an asset that can be used."

Chen Mo said: "I don't understand, since it's the company's money, why can't it be used?"

Yang Fei touched his nose and said with a smile: "You are someone I trust, so it's okay to tell you. For example, you are the major shareholder of a listed company, and you have 1.5 billion, but this is the money on the company's financial books , You must see this money when doing financial accounting, so that other shareholders and investors can trust and trust you.”

Chen Mo said: "Well, what then?"

Yang Fei said: "But you need the funds urgently, so you find the bank and sign a drawer agreement with them."

Chen Mo said: "What is the drawer agreement?"

Yang Fei said: "On the surface, you deposit 1.5 billion in the bank, but secretly, you can sign an agreement with the bank to take the 1.5 billion and make a pledge loan, and get back 1.5 billion!"

Chen Mo said, "Will the bank agree to do this?"

Yang Fei said: "This is a large amount of deposits. Which bank doesn't want to take it? You don't even buy financial management, just get the lowest current interest. You and the bank can sign an agreement in private to mortgage the money for two years, and then the bank will also operate normally. Loan interest rate, I will lend you about 1.5 billion for two years."

He paused, and then explained: "This is a win-win situation. For the bank, he not only brought in deposits, but also earned interest. As for you, you have cashed out 1.5 billion without using the funds on the book. It can be used to invest in other projects, and as for the interest rate difference, what is it for a huge sum of 1.5 billion?"

Chen Mo said: "The 1.5 billion loaned back, I can use it as I like?"

Yang Fei said: "That's right. But on the company's books, there are still 1.5 billion. The financial accounts are done, and the reports are also very good-looking. However, the 1.5 billion cannot actually be used, because you have already pledged it to the bank. The bank has The protection of your drawer agreement is not afraid of you using it. If there is no accident in the company and the capital chain cannot be lost, then doing so will do nothing."

Chen Modao: "If there is a problem with the turnover of funds, the 1.5 billion I loaned out has already been used up. But other projects or arrears need to use this fund, but the result is that the company cannot get it out, and the company has a problem."

Yang Fei said: "Yes, so this kind of practice is not advisable, and it is also an illegal operation. Generally speaking, once encountering an audit or debt collection, the company will find an excuse, saying that the money is for special purposes and cannot be used for other purposes. , These words are all lies. In fact, this money cannot be withdrawn!"

Chen Mo said: "I understand, why Chen Shengli would be defeated! If you hadn't helped him, he would have jumped off the building and died by now! Yang Fei, promise me, in the future when your company goes public, don't play this kind of drawer agreement, okay?" good?"

Yang Fei was silent and did not answer.

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