Chapter 1513: The Intermediary

"A total of 100 million US dollars." Xiao Chen finally counted the Arabic numerals clearly, read them out gently, and looked at Yang Rui.

Although there are uppercase Chinese characters in the parentheses behind the numbers, he is still willing to count the Arabic numbers clearly.

The bank cadres in the room were all short of breath.

They are not masters who have never seen money.

However, $100 million is really rare.

In recent years, China's economy has grown rapidly, and industries with rapidly rising revenues such as foreign trade will also have revenues of hundreds of millions of dollars. Foreign-funded enterprises have been in China for many years, and they often remit dozens of millions in and out.

But that's the revenue of the entire industry.

Looking at the whole country, what is the domestic foreign exchange income for a year? The cadres of the bank are familiar with the monthly figures. In the past few months, the average monthly income of the national treasury was just over US$1 billion.

It is equivalent to saying that Huarui's money is equivalent to one-tenth of the national treasury's monthly income.

For banks, this concept is even more terrifying. It can be said that the positions they grow can fill the shortfalls of three or five banks.

Not to mention, Yang Rui was still talking about the down payment.

"The pharmaceutical industry really makes money." President Ren probably wanted to cheer up the atmosphere, so he said with emotion.

Yang Rui smiled: "The expenses are also high. The 180 million US dollars borrowed before may not be repaid immediately."

The loan for purchasing sildenafil was borrowed from the four major banks, and it was a long-term loan without collateral, so naturally there was no reason to repay it immediately.

Traditional Chinese people often have the concept of not owing money for peace of mind. However, people's hearts cannot be stabilized by relying on this method. If you don't develop but only seek peace of mind, you will eventually fall into new anxiety.

The first profit sent by the Green Stone Corner Company is a sharp long sword that can open countless paths for Yang Rui, and repaying the loan is the most stupid one.

President Ren could only smile regretfully, and said, "The money borrowed from the loan should be used by you as long as the interest is paid... Then, shall we save it now?"

Yang Rui didn't answer directly, but looked at Xiao Chen and asked, "How is it appropriate to save?"

"Ah..." Xiao Chen seemed bewildered by the question, he looked up and looked around, like a rabbit surrounded by dogs.

Yang Rui was not in a hurry and just waited with peace of mind.

After a long time, Xiao Chen asked, "Is this 100 million US dollars going to be deposited into an account?"

"Yes." Yang Rui replied: "There is no major expenditure plan for the time being, because there will be profits coming in later, so as long as there is a certain amount of cash preparation."

After thinking for a while, Yang Rui said again: "I want to make some preliminary preparations for the Human Genome Project, and it is estimated that it will cost some money, especially for ordering equipment, which requires foreign exchange."

Populating your own lab is an integral part of doing the Human Genome Project.

It is basically impossible to directly apply for national funds without filling in.

However, since you use your own money for public laboratories, you should not spend too much. A few million dollars in the early stage and tens of millions of dollars in the later stage are enough, and the rest of the expenses can basically be taken from public funds.

In fact, if the relationship is strong enough and the skin is thick enough, flying to Europe and the United States to give lectures ten, twenty, or seventy to eighty times, maybe they can get millions of dollars to pave the way for Yang Rui's laboratory before the genome project .

However, this kind of thing is the last thing Yang Rui wants to do. What most scholars are most tired of is this kind of time-consuming, labor-intensive and embarrassing thing. However, most scholars don’t have enough money to spend money to buy Comfortable.

Yang Rui can.

What is he making money for, isn't it just for doing experiments and experiments, and if he wants to fill in the money, he can fill in the money himself?

The Human Genome Project was not understood by the public at the early stage, and it was very difficult to ask for national funds, and it was even more difficult to find funds in Europe and the United States. If it was for other scholars, it would have to be given up, but for Yang Rui it would be different.

When necessary, all his cash, including every penny earned by sildenafil, can be filled in, leaving only some dilapidated houses to live on.

Xiao Chen didn't ask Yang Rui about the specific matters, but after thinking about it carefully, he said, "When do you expect to use it, and how much do you expect to use it?"

"One or two months, ranging from a few million dollars to as much as 20 to 30 million." Yang Rui said a little more generously.

Xiao Chen heard it, and said with a wry smile: "Your span is too big."

"Is it too big? Compared with 100 million US dollars, it is within the range."

"But for the bank, it's completely different." Xiao Chen didn't look up when he spoke, so he couldn't see the faces of the bank officials who had changed color.

In fact, he knew that the leaders' complexions would not be good.

With so much money, unless it is from the standpoint of the bank, any loss will make the leaders feel heartbroken.

From the bank's point of view, it is best for Yang Rui to deposit 100 million U.S. dollars on a regular basis, and the next thing is to deposit it on a current account. If you can use the interest of the current account to deposit it for a fixed term, it is of course even higher.

And what they expect of Xiao Chen is that he is like an ordinary bank teller, just persuading customers.

Unfortunately, Xiao Chen is not willing to do this.

He has been in the banking system for a long time, and he gradually understands the nature of the banking system.

The bank is a fragile, short-sighted institution that hates the poor and loves the rich.

This is determined by its system structure, and it cannot be changed by the staff who love the world.

The profit of the financial system is derived from the imbalance of funds.

In order to pursue profits, the financial system must become more and more fragile, and in order to protect its fragility, it must be short-sighted.

Capitalist banks only want to lend money to the rich, and socialist banks do not want to lend money to the poor—rural credit cooperatives were a brave attempt, but the result was bad debts everywhere, and countless members lost their equity. One or two yuan per person did not fall from the sky.

For bank employees, it is always inevitable to make a valuation of everything around them.

For example, can work be converted into cash?

Actually it can. When Xiao Chen graduated, if his family could save a large sum of money in the bank, they might be able to overcome the obstacles at the grassroots level and enter the branch.

Even the head office, didn't it bow down in front of Yang Rui's 100 million US dollars?

At this moment, Xiao Chen suddenly understood a lot...

Just like the banking system, it will not be changed by love.

When he becomes Yang Rui's middleman, he will not be changed by the leader's deep love.

Whether it is rationality or Sunshine Boy's promise, he must always stand by Yang Rui's side. Only standing on this side is the most correct, sensible, beneficial, most valuable, and most consistent choice.

"I'm planning to buy some experimental equipment and consumables. Because it hasn't been decided yet, the price is hard to determine, and the time is also like this..." Yang Rui explained to Xiao Chen that he didn't shy away from other bank cadres.

Xiao Chen's brain became clearer, and he said: "I don't know much about experimental equipment, but the manufacturer should not require a one-time payment for this kind of thing."

"Of course, as long as the deposit is paid." Yang Rui nodded.

"In that case, the short-term expenses will only be the deposit, right? Can the subsequent expenses be offset by new income?"

"In theory." Yang Rui shrugged and said, "The consumables also cost hundreds of thousands of dollars, but it's about the same, and you don't need to pay in full."

He somewhat understood Xiao Chen's operation and cooperated very well.

"In this case, a position of 1 million US dollars is more than enough. After all, there is still income later, right?" Xiao Chen confirmed to Yang Rui.

Yang Rui nodded.

"What about local currency? Is 3 million enough?"

"It should be enough." The laboratory's renminbi funds are sufficient, not to mention that Sinovel's domestic income is also rising steadily.

In fact, Yang Rui built the stadium in Wukesong back then, and now the income is in the millions.

"In this case, it means that Sinovel will idle the 100 million US dollars for a long time? There will be follow-up income. What is the expectation?" Xiao Chen wrote in his notebook.

Yang Rui smiled and said, "If Sidinaphi can become a blockbuster, it will cost seven or eight billion dollars after tax. Of course, part of this money must be kept abroad to maintain operations."

If it really becomes a blockbuster, it will not be a steady billion-dollar income, it is just the starting price, and Viagra is the biggest bomb in history.

Besides, 1 billion refers to the annual income, and it has continued for several years, with less and less expenditure and higher income, which is the normal state of drug pre-sales...

Xiao Chen was so startled that he couldn't hold his pen steadily. He paused for a few moments before asking again: "Will Huarui expand? What about the subsequent expenses?"

"The expansion is already underway. Huarui still has other benefits, and the total demand is not too high. But..." Yang Rui thought for a moment, and said: "It is possible to develop new drugs in the future. If this plan is implemented, increase It will also cost a lot of money for factory buildings, overhead bonuses, and the establishment of a domestic sales system..."

After the completion of the Clinical Experimental Center of Hedong University, it will be very beneficial for Sinovel to develop new drugs.

Even if Yang Rui no longer makes new medicines by himself, he can still guide them, and there is no hindrance.

The level of Sinovel Labs is quite good.

When Xiao Chen heard this, he felt that there was no problem with the plan, and finally said, "How about asking the bank to provide all the money in the form of low-interest loans?"

President Ren's eyeballs almost popped out, you, a low-level bank cadre, do you want to make such a big decision so lightly?

Xiao Chen didn't give the leaders a chance to refuse, and said, "Based on the 100 million U.S. dollars first, I think a position of 2 billion yuan in local currency is very reasonable, and the interest rate below 5% may be more sincere."

"No, no, no." Factory Manager Ren couldn't help it anymore, and said, "Now the interest rate on ordinary deposits is 14, how can we borrow 5% of the loan?"

The 1990s was a year of severe inflation in China.

In 1990, the interest rate for five-year deposits was 13.68%, and even half-year fixed deposits had an interest rate of 7.74%.

In contrast, the five-year fixed deposit interest rate after 30 years is only 5%, which is a financial product that does not guarantee the capital, and the expected interest rate rarely reaches 7%. The interest rate of enterprise operating loans is usually between 8% and 12%. The interest rate of small loans and bank installments is as high as 18%, which is already dangerous. The interest rate of provident fund loans is only about 4%, and the lowest is only 3%. look.

In 1990, the normal bank loan interest rate was 19.26%, which was a difference of 15 percentage points from the 5% interest proposed by Xiao Chen, and the difference of 2 billion a year was 300 million yuan.

This is also the reason why many banks were quite disturbed by Yang Rui's previous loan of US$180 million.

The depreciation of money is too fast, and it is very difficult for banks to operate.

Today's current interest rate is as high as 11.34%, which can be described as a systematic shortage of money.

Xiao Chen knew the bank's desire for foreign exchange, and if they threw 100 million U.S. dollars to the Bank of China, if they used it as a reserve, they would not know how many billions of local currency they could get. The benefits brought by this were not only interest.

He first looked at Yang Rui and said, "Look at this, the US dollar is stored in the bank, and the bank issues long-term low-interest loans for operation and expansion."

This is actually a common method used by modern enterprises, including the world's largest GM.

Yang Rui was already very satisfied, and immediately said: "It's up to you to decide. It's better to have more loans, so you can do more things. Well, will the follow-up profits be the same?"

Xiao Chen laughed twice, looked at the leaders again, and said, "I think it's better to make follow-up profits like this, otherwise, we can talk about it later."

President Ren immediately gave in.

He didn't even have time to complain about Xiao Chen's "difficulty picking things out", so he stepped forward and said, "Professor Yang, let's make a deal. From now on, we will be grasshoppers tied to a stick, your Sidina It must be sold well."

He also knew that Sildenafil was selling well, but it was just a small gamble on how the global sales would be.

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