"The total is 100 million US dollars." Xiao Chen finally counted the Arabic numerals clearly, read them out softly, and looked at Yang Rui. Although there are capital Chinese characters in parentheses after the numbers, he is still willing to count the Arabic numerals clearly. The bank officials in the room were all short of breath. It¡¯s not like they haven¡¯t seen the owner of the money. ¡°However, a sum of US$100 million is really rare. In recent years, China¡¯s economy has grown rapidly, and industries such as foreign trade with rapidly rising revenue can also generate revenue of hundreds of millions of dollars. Foreign-funded enterprises have been in China for many years, and they frequently remit tens of millions in and out of China. But that¡¯s the income of the entire industry. Looking at the whole country, how much is the country¡¯s annual foreign exchange income? Bank officials are familiar with monthly figures. In the past few months, the average monthly revenue of the treasury was just over US$1 billion. It means 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 have grown can cover the shortfalls of three or five banks. Not to mention, Yang Rui was talking about the down payment. "The pharmaceutical industry is really profitable." President Ren said with emotion, probably to liven up the atmosphere. Yang Rui smiled: "The expenses are also high. I'm afraid the US$180 million I borrowed before cannot be repaid immediately." The loan to purchase sildenafil was borrowed from the four major banks, and it was a long-term loan without collateral. , naturally there is no reason to return it immediately. ?? Traditional Chinese people often have the concept of not owing money in order to have peace of mind. However, people's hearts cannot be stabilized by relying on this method. If you only seek peace of mind without development, you will eventually fall into new uneasiness. The first profit sent by Green Stone Corner Company is a sharp sword that can open countless paths for Yang Rui. Returning the loan is the stupidest way. President Ren could only smile regretfully and said: "The money borrowed from the loan is yours to use as long as the interest is paid So, let's save it now?" Yang Rui did not answer directly, but looked at Xiao Chen asked: "How to save it properly?" "Ah" Xiao Chen seemed to be confused by the question. He looked up and looked around, like a rabbit surrounded by dogs. Yang Rui was not in a hurry and waited with peace of mind. After a long time, Xiao Chen asked: "Do all these 100 million US dollars have to be deposited into the account?" "Yes." Yang Rui replied: "There is no big spending plan for the time being, because there will be profits coming in later, so as long as there is a certain amount Just prepare the cash." After thinking about it, Yang Rui added: "I want to make some preliminary preparations for the human genome project. It is expected to cost some money, especially ordering equipment and filling the laboratory by myself." It is an indispensable part of the Human Genome Project. It is basically impossible to directly apply for state funds without filling. "However, since you are using your own money for public laboratories, you should not spend too much. A few million US dollars in the early stage and tens of millions of dollars in the later stage are enough. The remaining expenses can basically come from public funds. In fact, if you have a strong enough relationship and thick skin, and fly to Europe and the United States to give lectures ten, twenty, or seventy or eighty times, you might be able to get millions to pave the way for Yang Rui's laboratory to prepare for the genome project. . However, what Yang Rui least wants to do is this kind of thing. What most scholars hate the most is this kind of time-consuming, energy-consuming and face-consuming thing. However, most scholars don¡¯t have enough money to spend money on it. Comfortable. Yang Rui can. Why does he make money? Isn¡¯t it just to do whatever experiments he wants to do? If he wants to pay for it, he can pay for it himself? The Human Genome Project was not understood by the public in the early stages. It was also very difficult to ask for national funds. It was even more difficult to find funds in Europe and the United States. If it was given to other scholars, it would have to be given up. But it was different if it was given to Yang Rui. When necessary, all his cash, including every penny earned from sildenafil, can be filled in, leaving only a few shabby houses to live on. Xiao Chen didn't ask Yang Rui about the specific matters. He thought about it carefully and said, "When do you expect to use it, and how much will it cost?" "A month or two, as little as a few million dollars, as much as two to three thousand dollars." Ten thousand." Yang Rui said 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 banks, it is completely different. ." Xiao Chen didn't look up when he spoke, so he couldn't see the perverted bank officials. ??In fact, he knew that the leaders would not look good. With so much money, unless you speak from the bank¡¯s perspective, any loss will make the leaders heartbroken. From a bank's point of view, it is best for Yang Rui to deposit 100 million US dollars on a regular basis, and the next best thing is to deposit a current deposit. If he can use the interest on the current deposit to deposit a regular deposit, it will certainly be higher. And what they expect from Xiao Chen is that he can be 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 has gradually understood 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 cannot be changed by the staff inside who love the world. The profits of the financial system come 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 vulnerability, it must 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. The rural credit cooperative was a brave attempt, but the result was bad debts everywhere, and countless members lost their equity. One or two yuan per person does not fall from the sky. For bank employees, they always have to evaluate everything around them. For example, can work be converted into cash? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? actually it¡¯s possible. When Xiao Chen graduated, if his family could save a large amount of money in the bank, he might be able to overcome the obstacles at the grassroots level and enter a branch. Didn¡¯t even the head office grovel in front of Yang Rui¡¯s $100 million? 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¡¯s reason or Sunshine Boy¡¯s promise, he must be on Yang Rui¡¯s side. Only standing on this side is the most correct, rational, beneficial, valuable, and consistent choice. "I plan to purchase some experimental equipment and consumables. Since I haven't decided yet, the price is difficult to determine, and the time is also the same" Yang Rui explained to Xiao Chen, not shying away from other bank officials. Xiao Chen's brain became clearer and clearer, and he said: "I don't know much about experimental equipment, but the manufacturer of this kind of thing should not require a one-time payment." "Of course, as long as a deposit is given." Yang Rui nodded. "In that case, the only short-term expenses are the deposit, right? The subsequent expenses can be offset by new income?" "Theoretically, that's the case." Yang Rui shrugged and said, "The consumables also cost hundreds of thousands of dollars. , but it¡¯s almost the same, you don¡¯t have to pay in full.¡± He somewhat understood what Xiao Chen was doing and was very cooperative. "In this case, a position of 1 million US dollars is more than enough. After all, there will be 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 RMB funding is sufficient, not to mention that Sinovel's domestic income is also rising. In fact, even the stadium that Yang Rui built in Wukesong is now generating millions in revenue. "If this is the case, does it mean that Sinovel will idle the US$100 million for a long time? There will also be subsequent income. What is the expectation?" Xiao Chen wrote in a notebook. Yang Rui smiled and said: "If sildenafil can become a blockbuster, it will cost 7 to 8 billion US dollars after tax. Of course, part of this money must be reserved abroad to maintain operations." If it really becomes a blockbuster, , it won¡¯t be a steady revenue of one billion US dollars, that¡¯s just the starting price, Viagra is one of the biggest bombs in history. Besides, 1 billion refers to the annual income. If it continues for several consecutive years, the expenditure will be less and less, and the income will be higher and higher. This is the norm in the early stage of drug sales Xiao Chen was so frightened that he could not hold his pen steady. After a pause, he asked again: "Is Sinovel going to expand? What about the subsequent expenses?" "The expansion is already underway. Sinovel has other benefits, and the total demand is not too high. But" Yang Rui thought After a moment, he said: "We may have to develop new drugs in the future. If this plan is implemented, it will cost a lot of money to increase factories, spend bonuses, establish a domestic sales system, etc" Hedong University Clinical Experimental Center was completed In the future, 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 the process without hindrance. The level of Huarui Laboratory is already quite good. When Xiao Chen heard this, he felt that there was no problem with the plan. He finally spoke out and said, "How about asking the bank to provide all the money in the form of low-interest loans?" President Ren's eyes almost popped out, you Should a grassroots bank cadre decide such a major matter so lightly? Xiao Chen did not give the leaders a chance to refuse, saying: "If we first use this 100 million US dollars as the base, I think a position of 2 billion yuan in local currency is very reasonable. An interest rate of less than 5% may be more sincere." "No. No." Director Ren couldn't help it and said: "The interest rate on ordinary deposits is now 14, how can we borrow a loan of 5%?" "The 1990s were a year of extremely serious inflation in China. The five-year deposit interest rate in 1990 was 13.68%, that is, the half-year term interest rate was 7.74%. In contrast, the interest rate on five-year fixed deposits after 30 years is only 5%. Even for financial products that are not guaranteed, the expected interest rate rarely reaches 7%. The interest rate for corporate operating loans is usually between 8% and 12%. The interest rate for small loans and bank installment loans has reached 18%, which is dangerous. The interest rate for 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 15 percentage points different from the 5% interest proposed by Xiao Chen. The difference between 2 billion and 300 million yuan a year was 300 million yuan. This is also the reason why Yang Rui¡¯s previous loan of US$180 million made many banks quite uneasy. The value of money is depreciating too fast, and it is very difficult for banks to operate. Today¡¯s demand interest rates are as high as 11.34%, which can be described as a systemic money shortage. But Xiao Chen knows the bank¡¯s desire for foreign exchange. If they throw 100 million US dollars to the Bank of China, if they use it to make reserves, they don¡¯t know how many billions of local currency they can get. The benefits are not just interest. He first looked at Yang Rui and said, "What do you think? The U.S. dollars are deposited in the bank, and the bank issues long-term low-interest loans to operate and expand." This is actually a common method used by modern enterprises, including the world's largest general manager. in this way. Yang Rui was already very satisfied and immediately said: "It's up to you to decide. It doesn't matter if you get more loans, so you can do more things. Well, do you want to do the same for subsequent profits?" Xiao Chen laughed twice and looked away. The leaders said: "I think it would be better to do the same for subsequent profits. Otherwise, we can 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, let's make an agreement. From now on, we will be grasshoppers tied to a stick, and your Sildena You have to sell it well. " He also knows that sildenafil sells well, but he still needs to take a small gamble on how the global sales will be.