Chapter 1861: Sense of Crisis

I don't know why Shen Dapeng is not happy?

Zheng Haixia looked at Shen Dapeng's worried expression and fell into doubt again.

Although she had been dealing with Shen Dapeng for a long time, and she had almost understood some of Shen Dapeng's personality and temper, Zheng Haixia felt that she did not fully understand Shen Dapeng.

There seemed to be a layer between her and Shen Dapeng. Although it was invisible, it was real, so she could not see through Shen Dapeng's heart.

What he was thinking in his heart, she could never guess.

"Dapeng, the performance has improved, why are you still not happy?" Zheng Haixia asked casually.

Shen Dapeng, who was thinking, was asked by Zheng Haixia, and came back to his senses from thinking. He smiled lightly and then sighed.

"My President Zheng, you are the general manager of a financial company after all, okay? Don't you have a sense of crisis?"

Sense of crisis?

Zheng Haixia didn't understand why Shen Dapeng suddenly said such a word. She was a little confused for a moment and looked at Shen Dapeng with her head tilted in confusion.

"Does the company's good performance have anything to do with a sense of crisis?" Zheng Haixia pondered this word and couldn't help laughing, "In my understanding, do you think we should think about the future and think about what to do if the business fails one day?"

"Then I think it is more appropriate to use the phrase 'be prepared for danger in times of peace', and I think that if you think so, then I think you don't need to worry about it at all, you are worrying about nothing!"

Shen Dapeng did not show any surprise at Zheng Haixia's words, but smiled faintly, with an expression of noncommittal.

"Haixia, some things are different from different perspectives. Let me tell you this. Although you are the second largest shareholder, don't you have any sense of panic about the future development of the company?"

In Shen Dapeng's view, the development of a company requires continuous motivation. For the current financial company, the motivation for development is not only the good benefits brought by the increase in business, but also requires sufficient and strong financial support in the future.

"Panic? I don't think there is anything to panic about?" Zheng Haixia's eyes widened. "Dapeng, I think what you said is a bit funny. I have never heard of any company that still has a sense of panic when the benefits are very good. They probably don't have time to laugh secretly."

"But have you ever thought about it? So many customers come to our company every month to apply for loan business, and they often pay hundreds of thousands of yuan. After a long time, will our 300 million yuan be exhausted?"

Zheng Haixia was stunned. Shen Dapeng meant this, and she couldn't help but frowned.

Logically speaking, if the benefits continue to be so good, the financial company's money will be used up sooner or later. By then, even if a large number of customers come to apply for loans to buy houses, we will not be able to handle it.

Because the funds have been used up and there is no money to lend to customers, this is indeed a problem worth thinking about.

Soon, Zheng Haixia's frown relaxed, and she smiled at Shen Dapeng, "Dapeng, you are thinking too far ahead. At the current rate, it will be one or two years before the three hundred million yuan is used up. It's not too late to talk about it then."

"But, you can see that Shenzhen is not the same as before. The development speed is changing day by day, and the real estate market is also developing rapidly. The overall speed has increased, and a large number of people are pouring into Shenzhen. Whether it is for housing needs or investment needs, in the future, the demand for housing will only increase, and the increase will be very fast."

"From this point of view, our company's performance will definitely get better and better, but with it, our funds will become less and less. Perhaps within a year or two, our little money will be used up."

Zheng Haixia heard that if the company's performance gets better and better,

the company will have less and less money to borrow, and in the end it is likely that there will be no money to borrow. At that time, the company's performance will be gone.

Moreover, Zheng Haixia felt that Shen Dapeng's analysis was correct. With the current development speed of Shenzhen, more and more real estate projects will spring up in the future. At that time, the demand for loans from homebuyers will only increase. According to what Shen Dapeng said, the pressure on the company will increase.

"You are right, Dapeng. If this is the case, I don't think you should immediately reject the Industrial Bank. 200 million is 200 million. We can loan it out and inject it into the financial company. In this way, we will not worry about lack of development momentum."

Zheng Haixia thought for a while and continued, "If it really doesn't work, I can talk to my dad and ask him to add some more funds."

Shen Dapeng shook his head and smiled, "There is no need for this. Besides, although your Guangyang Electronics Company has money, it also needs working capital, right? If you invest all the money in the financial company, will your Guangyang Electronics Company still operate?"

Although Shen Dapeng knew that money was needed in all aspects, not all money could be used. Sometimes, you cannot harm the interests of others for your own benefit. Shen Dapeng was very principled in this regard.

Besides, Zheng Sanqun and Zheng Haixia of Guangyang Electronics Company were both very good people. The father and daughter had done their best to help him a lot for his career in Shenzhen. He was very grateful. How could he do such a thing?

"What about the Industrial Bank? They have agreed to give us a quota of 200 million. No matter what their reasons are, it is better to have these 200 million yuan than nothing, right? If it is injected into the financial company, the company can at least hold on for a while, right?"

"Okay, if it is 200 million, I would rather not!" Shen Dapeng waved his hand gently.

"Why not?" Zheng Haixia felt that since Shen Dapeng raised this question, there was a chance of loan now, why not take advantage of it?

"As I said, 200 million is too little."

Shen Dapeng smiled slightly, stood up, walked gently to the huge French window, and looked out.

"If you want to inject funds, in my opinion, it should be 1 billion or more. 200 million is still a drop in the bucket."

"Forget it, don't think about it for now. I said it just to make you aware of it. But the company's development has not reached that stage yet. It's not too late to talk about it later."

This sentence is equivalent to not talking about it anymore. After hearing this, Zheng Haixia, who was sitting on the sofa, shook her head and smiled helplessly, and stopped talking.