Chapter 638
"Yes, it's true from the legal level. I'm a legal person of the company. All my assets are in my name. I'm the boss of the company. Everything in the company belongs to me. They and I are just a simple employment relationship. However, in terms of human relations, the company can not be said to be my own. It's impossible for the company to have today only by me, ye Lingtian. This is because the company can have today only by the labor of each of them. Even if they and the company are just a simple relationship, I give them money and they work for money, I can't take such a big risk, because half of them are veterans, The other half came from the countryside. There is not much culture, nor much craftsmanship and technology. If the company goes bankrupt, it is difficult for them to find such a job and live and work in peace and contentment. Anyway, Yuxin, we can't just figure out ourselves and ignore everyone. After all, we are a company, not a simple individual. With all due respect, it's too risky to do so. The company has made steady progress now. It's really unnecessary to take such a big risk. However, I fully support your proposal. I also understand very well that this food company has great prospects and has great potential. As long as we do well, the profit will be very attractive. However, we should not take such an extreme way. Maybe we can think of other ways, "ye Lingtian said to Li Yuxin seriously.
"I know the risks, but do we have any other way? Moreover, ye Lingtian, you should know that investment is actually a kind of gambling in disguise. The only difference between investment and gambling is that it has to go through very complicated analysis and evaluation. Here is a probability. I have made an evaluation on this food company project, including all aspects. Our probability of success is at least 75%, and the probability of failure is 20%. In addition, 0.5 is an uncertain factor, and no one can be sure. According to our industry, more than 50% of the success rate can be a try, more than 60% of the achievements can be a stable investment, more than 70% is a first-class good project, enough to put all your eggs in one basket for this project. Many people say that the secret of success is opportunity plus ability. We don't talk about ability. What's in front of us now is opportunity. The reason why it's an opportunity is that this kind of opportunity doesn't always exist or will be waiting for you. If you miss this opportunity, you may never find such an opportunity next time. Moreover, although there are risks in my way of investment, the risk is not too great. You know, our catering company is not the catering company of last year. Our scale is much larger than before, and our ability to resist risks is not the same as last year. In other words, it is very difficult to have the risk of collapse and mortgage assets from the bank, This is also one of the most common business operation modes. How many companies have no bank loans? It's inevitable that companies that don't know how to borrow money will never succeed“ Li Yuxin was a little angry. Then she looked at ye Lingtian and said, "in fact, I understand what you mean. You are just thinking about the thousands of employees. Once the company collapses, they will become nothing again. I can understand. As the leader of the company, how can I not think about them? However, this opportunity is once in a thousand years. We have been preparing for this opportunity for almost two years. We can't wait any longer. Moreover, for them, they are only facing the risk of unemployment, not unemployment. There is no way for me to choose this. We really don't have so much money.
Ye Lingtian frowned, smoked and thought slowly. He didn't speak for a long time. Finally, he said to Li Yuxin, "well, I support the loan from the bank, but anyway, there must be at least 15 million working capital on the company's account, which is the bottom line. With the 15 million, it is enough to resist the general risks, It can also be said that it can at least ensure the safe operation of the company. According to your plan just now, that is to say, the company can only put out 15 million yuan of funds. I'll run the bank loan business myself. I can only mobilize some relations. I hope the bank can lend more money, and I hope it can really lend 50 million yuan. Part of the remaining 10 million yuan gap is transferred from the security company. You also audited the accounts of the security company yesterday. According to your estimation, how much money can they put out at most? On the premise of ensuring the necessary working capital.
"If we remove the working capital to maintain the operation, the funds that the security company can put out will not exceed five million. After all, security companies are different from catering companies. Unlike us, they don't have funds every day, and project funds can't be guaranteed to arrive on time. Therefore, we need to keep more working capital for a rainy day. That's why I didn't want to transfer funds from security companies from the beginning. " Li Yuxin said truthfully.
"That means there is a capital gap of about 10 million, right?" Ye Lingtian asked slowly.
"Yes"
"This ten million I come to think of a way," ye Lingtian said lightly.
"What do you want to do? Where do you come from? Your assets are two companies. The company has taken out all the money it can take out. Where can you take out 10 million? " Li Yuxin didn't believe it.
"I still have about five million dollars in my personal card. In addition, last time when there was a crisis, I mortgaged my house and car to the bank. Last time I gave a loan of more than three million yuan, but later I paid back all the loans. This time I mortgaged my car and house. Think about how to do it and communicate with the bank. I should be able to mortgage four million yuan, That's a million dollars. This million yuan will be evenly distributed from the accounts of the two branches, so that the problem can be solved. "Ye Lingtian slowly calculates this account.
"Have you ever thought about the consequences if the project fails?" Li Yuxin frowned this time.
"What are the consequences? Nothing more than no car, no house, no company, no assets, nothing. Didn't I tell you last time? I'll go back and set up a barbecue stand. Well, that's the plan. At that time, I'll be responsible for the bank's affairs, and I'll run the relationship here, "said Ye Lingtian with a smile.
"I know the risks, but do we have any other way? Moreover, ye Lingtian, you should know that investment is actually a kind of gambling in disguise. The only difference between investment and gambling is that it has to go through very complicated analysis and evaluation. Here is a probability. I have made an evaluation on this food company project, including all aspects. Our probability of success is at least 75%, and the probability of failure is 20%. In addition, 0.5 is an uncertain factor, and no one can be sure. According to our industry, more than 50% of the success rate can be a try, more than 60% of the achievements can be a stable investment, more than 70% is a first-class good project, enough to put all your eggs in one basket for this project. Many people say that the secret of success is opportunity plus ability. We don't talk about ability. What's in front of us now is opportunity. The reason why it's an opportunity is that this kind of opportunity doesn't always exist or will be waiting for you. If you miss this opportunity, you may never find such an opportunity next time. Moreover, although there are risks in my way of investment, the risk is not too great. You know, our catering company is not the catering company of last year. Our scale is much larger than before, and our ability to resist risks is not the same as last year. In other words, it is very difficult to have the risk of collapse and mortgage assets from the bank, This is also one of the most common business operation modes. How many companies have no bank loans? It's inevitable that companies that don't know how to borrow money will never succeed“ Li Yuxin was a little angry. Then she looked at ye Lingtian and said, "in fact, I understand what you mean. You are just thinking about the thousands of employees. Once the company collapses, they will become nothing again. I can understand. As the leader of the company, how can I not think about them? However, this opportunity is once in a thousand years. We have been preparing for this opportunity for almost two years. We can't wait any longer. Moreover, for them, they are only facing the risk of unemployment, not unemployment. There is no way for me to choose this. We really don't have so much money.
Ye Lingtian frowned, smoked and thought slowly. He didn't speak for a long time. Finally, he said to Li Yuxin, "well, I support the loan from the bank, but anyway, there must be at least 15 million working capital on the company's account, which is the bottom line. With the 15 million, it is enough to resist the general risks, It can also be said that it can at least ensure the safe operation of the company. According to your plan just now, that is to say, the company can only put out 15 million yuan of funds. I'll run the bank loan business myself. I can only mobilize some relations. I hope the bank can lend more money, and I hope it can really lend 50 million yuan. Part of the remaining 10 million yuan gap is transferred from the security company. You also audited the accounts of the security company yesterday. According to your estimation, how much money can they put out at most? On the premise of ensuring the necessary working capital.
"If we remove the working capital to maintain the operation, the funds that the security company can put out will not exceed five million. After all, security companies are different from catering companies. Unlike us, they don't have funds every day, and project funds can't be guaranteed to arrive on time. Therefore, we need to keep more working capital for a rainy day. That's why I didn't want to transfer funds from security companies from the beginning. " Li Yuxin said truthfully.
"That means there is a capital gap of about 10 million, right?" Ye Lingtian asked slowly.
"Yes"
"This ten million I come to think of a way," ye Lingtian said lightly.
"What do you want to do? Where do you come from? Your assets are two companies. The company has taken out all the money it can take out. Where can you take out 10 million? " Li Yuxin didn't believe it.
"I still have about five million dollars in my personal card. In addition, last time when there was a crisis, I mortgaged my house and car to the bank. Last time I gave a loan of more than three million yuan, but later I paid back all the loans. This time I mortgaged my car and house. Think about how to do it and communicate with the bank. I should be able to mortgage four million yuan, That's a million dollars. This million yuan will be evenly distributed from the accounts of the two branches, so that the problem can be solved. "Ye Lingtian slowly calculates this account.
"Have you ever thought about the consequences if the project fails?" Li Yuxin frowned this time.
"What are the consequences? Nothing more than no car, no house, no company, no assets, nothing. Didn't I tell you last time? I'll go back and set up a barbecue stand. Well, that's the plan. At that time, I'll be responsible for the bank's affairs, and I'll run the relationship here, "said Ye Lingtian with a smile.
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