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The situation of Jinling Rural Credit Commercial Cooperative is worse than Yi Xiaohai imagined.
The credit union only has 7 million on its books, and the savings user funds are 320 million. Even with a 10/10 leverage, the run safety line is 32 million.
As long as those savings users know the situation of the bank, there will be a run and the bank will go bankrupt instantly.
in addition,
Investors in credit unions have invested about 100 million, as well as 300 million corporate bonds issued to support government infrastructure, as well as bits and pieces of accounts.
The entire credit union has a debt gap of approximately 740 million.
The purchase price of 770 million mentioned by Xu Dong includes the settlement of 740 million debt, 23 million fixed assets and 7 million cash.
Yi Xiaohai was a little speechless.
He thought that 770 million would be some decent assets, but he didn¡¯t expect that it would be all debt.
The only valuable things are 23 million in fixed assets and 7 million in cash, as well as some staff working in the credit union.
The gap between reality and imagination was so big that Yi Xiaohai was caught off guard.
I spent nearly 800 million to buy a bank license, which is a bit expensive, very expensive.
But then again,
If you get the next 7 financial licenses, you will spend almost 100 million to get 1 license, which is not too much of a loss.
There will definitely be no problems with the acquisition that was facilitated.
Yi Xiaohai originally wanted to negotiate a higher price, but thought about it and decided not to do so.
Xu Dong told him 770 million. I guess Xu Lihe also knew that, and he was a bit too stingy in bargaining.
The first contact between the two parties went very smoothly.
The Rural Credit Commercial Cooperative has serious debts and must be sold.
Yi Xiaohai is willing to accept it without bargaining. The other party has no reason to refuse.
The two parties decided to start the acquisition process starting tomorrow.
After leaving the Rural Credit Commercial Cooperative, Yi Xiaohai called Jiang Sen.
"You just spent 200 million to acquire Huajian's properties, and another 700 million to buy a bank. You are burning money!"
Jiang Sen was a little speechless.
Opening schools, acquiring Huajian, acquiring rural credit cooperatives, and other consumption activities,
Yi Xiaohai recently spent more than one billion,
Jiang Sen actually lamented that having more money means being willful.
"Hahaha, if you have a good money-making project, I would also be willing to spend money to support it"
The two of them have been working together for so long and have long been familiar with each other.
Yi Xiaohai made a joke,
But Jiang Sen took it seriously.
"Since you have so much money, why don't you invest in our law firm?"
"Lack of money?"
"Hahaha, we are not only short of money now, we wish we could spend one yuan as two yuan."
Yi Xiaohai initially thought Jiang Sen was joking with him, but from his tone, he seemed to be really short of money.
He is a little strange,
Jiang Sen¡¯s law firm cooperates with Hantang, Jingnan, Yuntian, and many other companies. Logically speaking, there should be no shortage of money.
"Really short of money?"
"Actually, it's not a lack of money. The main reason is that Fang Miao and I want to open branches in Yanjing and Shanghai. As you know, setting up a law firm there requires a lot of money, and we also need to find some famous lawyers to join us. , the investment is not small.¡±
The cost of opening a law firm in Shanghai and Yanjing is indeed very high, but Jiang Sen and Fang Miao have made a lot of money, which is enough to pay for it.
It¡¯s just that Yi Xiaohai signed a long-term cooperation contract with them, and it will take several months to get the money this year.
They can't wait.
"I'll tell Zhao Yu and Wu Xinyu and ask them to pay you this year's expenses,"
"The cooperation is still based on the contract, and payment will be made when the time comes. I am telling you this, not to get money in advance"
Jiang Sen said a little embarrassed.
Yi Xiaohai was really surprised: "Then what do you think, I want to lend you a private loan?"
"hey-hey."
Jiang Sen smiled awkwardly: "What I mean is, why don't you join the gang?"
"Join the gang?"
"Actually, the money shortage is not too much, I can think of a way, but I just want to get you to join the team, and it will be convenient to start the business,"
Yi Xiaohai instantly understood what Jiang Sen meant.
"I will help you introduce the business. Just join the team. Count on the red envelopes I will give you in advance. Do you think it's okay?"
Jiang Sen¡¯sIn the initial stage, the firm was almost supported by Yi Xiaohai.
Later, it developed and expanded, and it was only through the cooperation with the companies introduced by Yi Xiaohai that it finally gained a firm foothold.
Their firm is now the largest law firm in Jinling. It has a strong ability to make money. It is really short of money for expansion, so it is easy to get a bank loan.
The reason why Jiang Sen proposed that Yi Xiaohai join the group was actually to pay dividends to Yi Xiaohai in disguise and thank him for his help.
Although Yi Xiaohai may not like that little money, it represents their feelings.
"Let's join"
Jiang Sen and Fang Miao still hope that Yi Xiaohai can join them.
In this way, the law firm can develop better and they can feel more comfortable.
"Otherwise, I will offer 5 million for 10% of the shares,"
Yi Xiaohai¡¯s words almost scared Jiang Sen to death.
When they opened an office, the limit was almost 10 million, and Yi Xiaohai took 10% of the 5 million, which was just a joke.
"At 40% of 5 million, we still took advantage,"
"I only want 10% of the shares."
"Then 1 million is enough."
If anyone heard the two of them talking about how to cooperate, they would probably call them crazy.
In the end, the two sides argued hard and changed their approach.
??Yi Xiaohai invested 50 million for nationwide expansion, accounting for 2% of the company's dividend shares, and did not participate in operations.
Jiang Sen scratched his head after hanging up the phone: Why did he still seem to have taken a big advantage?
¡¡
In the next few days,
Yi Xiaohai basically walks outside every day, helping his uncle and uncle find a suitable place.
Although he can leave it to others, he still wants to do it himself. This is because he values ??his family.
After finding a place, he informed his uncle and uncle to come to the city to see if the location was suitable.
Unexpectedly, Peng Hao came with him.
Peng Hao came to the city to open a company.
His clothing factory has made a lot of money since it took the order from Yi's Resort Hotel, and its business has become more and more prosperous. Now it does a lot of OEM work.
Years later, the county planned to demolish the factory, and he wanted to open a company in the city.
No matter what, the resources in the county cannot be compared with those in the city. There are more opportunities in the city.
"Are you going to continue to be a garment factory or do you have other ideas?"
"I lost a lot of money during this demolition. I want to replace it with a more advanced production line and continue to do the textile business. However, I want to be more versatile and do some clothing OEM. I recently negotiated a foreign trade order and want to try it. .¡±
"There are indeed many opportunities to come to the city, but the competition is also high and the costs are high. You have to think carefully."
"I have thought about it. Jinling Chengnan Industrial Park now supports private enterprises. The factory will be moved there and free of rent for one year and tax for two years. In two years, I think it should be on the right track."
"Okay, if you think about it clearly, I also support it. I have an acquaintance in the industrial park in the south of the city who can help you get more discounts. I will contact him."
The land in Wutong Garden is owned by the same owner as Chengnan Industrial Park. When he sold Wutong Garden, he had more contact with the other party.
It¡¯s no problem to help Peng Hao get some discounts
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