Chapter 1532

"It's 100 million dollars in all." Xiao Chen finally counts the Arabic numerals clearly, reads them out gently and looks at Yang Rui.

Although there are capitalized Chinese characters in the brackets behind the numbers, he is willing to count Arabic numbers clearly.

All the bank cadres in the room were short of breath.

They're not the ones who haven't seen money.

But $100 million is really rare.

Over the years, China's economy has grown rapidly, and industries such as foreign trade, whose income has risen rapidly, will also have income of hundreds of millions of US dollars. Foreign funded enterprises have been in China for many years, and they often remit tens of millions.

But that's the income of the whole industry.

Looking at the whole country, how much is the domestic foreign exchange income in a year? Bank officials are familiar with the monthly figures. In the past few months, the average monthly income of the State Treasury was just over $1 billion.

That is to say, Huarui's money is equivalent to one tenth of the National Treasury's income in that month.

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

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

"The pharmaceutical industry is really making money." Ren Xing grew up in order to activate the atmosphere, so he sighed.

Yang Rui said with a smile: "the cost is also high. I'm afraid the $180 million borrowed before can't be repaid immediately. "

The loan for the purchase of sildenafil is borrowed from the four major banks, and it is a long-term loan without collateral. Naturally, there is no reason for immediate repayment.

Traditional Chinese people often have the concept of not owing money for peace of mind. However, people's minds can't rely on this method to be stable. If we only seek peace of mind without development, we will eventually fall into new uneasiness.

The first profit sent by greenstone corner company is a sharp sword, which can split countless roads for Yang Rui. Repayment of loan is the most stupid one.

President Ren could only smile with regret and said, "as long as you pay the interest on the money borrowed, you should use it... Then, let's save it now?"

Yang Rui did not answer directly, but looked at Xiao Chen and asked, "how can I save it properly?"

"Ah..." Xiao Chen seems to be confused. He looks up and looks around like a rabbit surrounded by dogs.

Yang Rui was not worried, but he waited with ease.

For a long time, Xiao Chen asked, "do you want to deposit all the 100 million US dollars into an account?"

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

After thinking about it for a while, Yang Rui said, "I want to make some preliminary preparations for the human genome project. It's expected that it will cost some money, especially for ordering equipment, foreign exchange will be used."

Self filling laboratory is an indispensable part of human genome project.

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

However, it is not appropriate to spend too much money on public laboratories because they use their own money. Millions of dollars in the early stage and tens of millions of dollars in the later stage are enough, and the rest of the expenses can be taken from public funds.

In fact, if the relationship is tough enough and the skin is thick enough, if you fly to Europe and the United States to give a speech ten times, twenty times or seventy-eight times, maybe you can get millions of dollars to pave the way for Yang Rui's laboratory before the genome project.

However, what Yang Rui is most reluctant to do is this kind of thing. What most scholars are most tired of is this kind of time-consuming, labor-consuming and cheeky thing. However, most scholars do not have enough money to buy comfort.

Yang Rui can.

What does he make money for? Isn't it just to do what experiments he wants to do, to do what experiments he wants to do, and to fill in his own money if he wants to?

In the early stage, the human genome project was not understood by the public, and it was very difficult to ask for national funds. It was even more difficult to find funds in Europe and the United States. For other scholars, they had to give up. For Yang Rui, it was different.

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

Xiao Chen didn't ask Yang Rui about the details. He thought about it carefully and said, "when do you expect to use it, and how much do you expect to use it?"

"A month or two, a few million dollars at least, two or three million dollars at most." Yang Rui said that he was more affluent.

But Xiao Chen heard it and said with a bitter smile, "your span is too big."

"Too big? Compared with 100 million dollars, it's all in the range. "

"But for banks, it's very different." When Xiao Chen spoke, he didn't look up, so he couldn't see the appearance of the bank officials.In fact, he knew that the leaders would not look good.

With so much money, unless speaking from the standpoint of the bank, any loss will make the leaders painfully.

From the bank's point of view, it's better for Yang Rui to deposit $100 million in a fixed term, and the next is to deposit a current. If he can use the interest of the current to deposit a fixed term, it's certainly higher.

And their expectation of Xiao Chen is that he can persuade customers like an ordinary bank teller.

Unfortunately, Xiao Chen is not willing to do so.

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 frail and short-sighted institution that dislikes the poor and loves the rich.

This is determined by its system structure, not by the staff's love for the world.

The profit of the financial system comes from the imbalance of funds.

In order to pursue profits, the financial system is bound to become more and more vulnerable, and in order to protect its vulnerability, it is bound to be short-sighted.

Capitalist banks only want to lend money to the rich, and socialist banks don't want to lend money to the poor. Rural credit cooperatives are a brave attempt. As a result, bad debts are everywhere, and countless members have lost their share capital. One or two yuan each is not from the sky.

For the bank staff, they always have to make a valuation of everything around them.

For example, can work be converted into cash?

Actually, it can. When Xiao Chen graduated, if he could deposit a large sum of money in the bank, he might be able to cross the barriers of the grassroots and enter the branch.

Is not the head office kowtowing to Yang Rui's $100 million?

At this moment, Xiao Chen suddenly understood a lot

It's like the banking system, which can't be changed by love.

When he becomes the center of Yang Rui, he will not be changed by the deep love of the leader.

Whether he is rational or the promise of sunny youth, he must stand on Yang Rui's side. Only by standing on this side can he make the most correct, rational, beneficial, valuable and consistent choice.

"I plan to buy some experimental equipment and consumables, because I haven't decided yet, so it's hard to determine the price and the time..." Yang Rui explained to Xiao Chen, not avoiding other bank cadres.

Xiao Chen's brain is more and more clear, said: "I do not know much about experimental equipment, but this kind of thing, the manufacturer should not require a one-time payment."

"Of course, just a deposit." Yang Rui nodded.

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

"In theory." "The consumables cost hundreds of thousands of dollars, but it's almost the same. You don't have to pay in full," Yang said with a shrug

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

"In this case, a position of $1 million is more than enough. After all, there is income behind it, right?" Xiao Chen confirms with Yang Rui.

Yang Rui nodded.

"What about the local currency? Is three million enough? "

"That should be enough." The RMB funds of the laboratory are sufficient, not to mention the rising income of Huarui in China.

In fact, Yang Rui built the stadium in Wukesong in those years, and now the profits are in millions.

"In this case, Huarui will idle the $100 million for a long time? And then there's the follow-up revenue. What is the expectation? " Xiao Chen writes in the book.

Yang Rui said with a smile: "if Sildenafil can become a blockbuster, it will cost US $700 million after tax. Of course, part of the money should be kept in foreign countries to maintain operations. "

If it really becomes a blockbuster, it won't be a steady billion dollar income. That's just the starting price. Viagra is one of the biggest bombs in history.

Besides, 1 billion is about the annual revenue. If it continues for several years, the expenditure will be less and less, and the revenue will be higher and higher, which is the normal situation of the early sales of drugs

Xiao Chen was so shocked that he couldn't hold the pen. After two pauses, he said again, "is Hua Rui going to expand? What about the cost after that? "

"The expansion is already in progress, Huarui has other benefits, and the total demand is not too high. However... "Yang Rui thought for a moment, and said:" if we want to say that we may develop new drugs in the future, it will cost a lot of money to increase the factory building, spend bonus, establish domestic sales system, etc... "After the completion of clinical experiment center of Hedong University, it is very good for Huarui to develop new drugs.

Even if Yang Rui no longer makes his own new drug, he can also guide it without hindering it.

The level of Huarui laboratory is quite good.

Hearing this, Xiao Chen realized 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 eyes are almost staring out. As a grass-roots bank cadre, do you want to make such an understatement decision?

Xiao Chen didn't give the leaders the chance to refuse, saying: "if we take the $100 million as the base, I think the position of RMB 2 billion in local currency is very reasonable, and the interest below 5% may be more sincere."

"No, No." Ren could not help but said: "now the interest of ordinary deposit is 14. How can we borrow 5% of the loan?"

90 S is the year when China's inflation is very serious.

1990 The interest rate of five-year deposit is 13.68%, that is to say, the interest rate of half year deposit is 7.74%.

In contrast, the interest rate of the five-year fixed deposit after 30 years is only 5%, which means that the expected interest rate of the non breakeven financial products rarely reaches 7%. The interest rate of business loans for enterprises is usually between 8% and 12%. The interest rate of small loans and bank instalments reaches 18%, which is dangerous. The interest rate of provident fund loans is only about 4%, and the low one is only 3%.

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

Yang Rui's previous loan of US $180 million has upset many banks, which is also the reason.

The devaluation of money is so fast that it is difficult for banks to operate.

Today's current interest rate is up to 11.34%, which is a systematic shortage of money.

However, Xiao Chen knows that banks are eager for foreign exchange. If they throw $100 million to BOC, they don't know how much local currency they can get if they use it as reserves. The benefit from this is more than interest.

He first looked at Yang Rui and said, "how do you think about this? The US dollar is in the bank, and the bank will issue long-term low interest loans for operation and expansion."

This is actually a common way for modern enterprises, including the world's largest general motors.

Yang Rui was already very satisfied and immediately said, "it's up to you to decide. It's better to have more loans. We can do more. Well, is that the same for subsequent profits? "

Xiao Chen laughed twice, then looked at the leaders and said, "I think it's better to make follow-up profits in this way. Otherwise, we'll talk about it later."

President Ren immediately gave in.

He didn't even have time to complain about Xiao Chen's "hard work", so he stepped forward and said: "Professor Yang, then we'll make a deal. In the future, we'll be grasshoppers tied to a stick. Your sildena must be sold well."

Sildenafil sells well, and he also knows it. It's just that he needs to make a small bet on the global sales.