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Fashion designers, agricultural talents, management talents, mechanical maintenance personnel, artificial intelligence monitoring and induction engineers, forestry cultivation prevention and cultivation engineers, veterinary school graduates, civil engineering graduates...

Zhang Rilong lacks no one.

He is rich and everyone knows that he is rich.

It's easier to do things if you have money.

When real estate is booming, it develops quickly because there is money to do things.

Zhang Rilong also has money now, so professional silkworm houses began to be built in full swing, and heating and electrical equipment were gradually extended to the farm from the distant power plant.

office

"Loan? No loan!" Zhang Rilong decisively refused, "I can owe the construction team money, and I don't have to pay interest. I'm mentally ill to borrow money from your bank. Damn it! Stop being such an idiot, okay?"

Zhang Rilong unceremoniously insulted the female bank president opposite.

There is a woman across from you, but if you don’t scold her today, in the future there will be women from all walks of life!

Many industries have more women, such as civil servants, especially in provincial and municipal civil service systems. A group of post-00s girls in their 60s and 70s sitting in offices has become a headache for leaders.

Especially the lonely old lady who is unmarried and has no children. People just want to wait until they are seventy to retire.

This kind of thing doesn't happen in remote places. Because they can't pay wages, girls don't take exams here, let alone obey the assignment and come here to help.

However, women do have an advantage when negotiating business.

Zhu Yu explained seriously: "The construction team's money can only be used for a while. Our bank can provide more funds. Last time you borrowed 2 billion from the Provincial Development Bank. This 2 billion made the development of Sailor Farm faster and faster."

The sooner."

"Our Urban Development Bank can also provide you with loans, and our interest rates are lower!"

Zhang Rilong said directly: "It's not cheap to borrow money. I'm not short of money at all now. After borrowing 2 billion last time, I now have to pay back 1.33 million in interest every day, every day!"

Zhu Yu said gently: "That means you have to sell twenty pairs of stockings every day to break even, which is actually not much at all."

Zhang Rilong looked at this group of people indifferently, "I still have 3 billion that I can use at any time. I can default on the money spent on livestock by the construction teams, designers, sericulture farmers, and agricultural machinery outside. No one else has it."

Opinion, even if it is made of materials such as bricks and sand.”

"If your bank is willing to provide interest-free loans, I will borrow 10 billion and deposit it with your bank to earn interest, otherwise there will be no negotiation."

Of course, this kind of stupid thing is impossible. Zhu Yu said seriously: "Now the economy is developing rapidly, and the economy in various places is recovering. Combined with the population increase in the past ten years and the substantial increase in graduates, the currency will definitely depreciate in the future. The borrowed money now

The more money you have, the less you have to pay back in the future.”

Zhang Rilong looked at this woman angrily.

"It's okay for you to be mentally retarded, okay? Don't treat others as if you are mentally retarded? Do you think I have a high IQ and a low EQ? Do you think I don't understand economics or make money?"

"Get out! I don't want to talk to you!" Zhang Rilong rushed the people away and said to Qin Xiangsi who was bringing them over: "Ms. Qin, can you come too?"

Qin Xiangsi politely led the people away.

After leaving the company building, Qin Xiangsi said to the woman wiping tears next to her: "A multi-billion dollar order cannot be negotiated with just a few words. You'd better ask your bank to replace him. He is not a fool, and he is not a fool."

If you’re short of money, I don’t think your business is going to work.”

Zhu Yu quickly cheered up and asked, "It's okay. It's just that I didn't prepare well and didn't figure out what he likes."

Qin Xiangsi shook her head. She knew Zhang Rilong's character and the bank's habits very well.

These people only provide loans to rich people. Zhang Rilong is rich, so there are many banks and financial personnel looking for him.

If it were a family with a serious illness, they would not be able to borrow money.

After the people in the office outside left, Lin Yaru opened the door of her office and walked to the office door near the elevator.

"I heard it from more than ten meters away. Now that our company is profitable, wouldn't it be better to borrow some loans to expand?"

Lin Yaru came over to talk to Zhang Rilong. After holding a high-level position for a period of time, this woman had the temperament of a strong woman.

Zhang Rilong said casually: "Banks are not philanthropic, and neither am I."

"Currently, Sailor Farm has hundreds of orders every day and a turnover of tens of millions every day. If you are sick, you have to borrow money from the bank."

Lin Yaru said: "But if money is worthless in the future, it will be just like what the banker said just now. The more we borrow, the more money we will make."

Zhang Rilong sneered and said: "Don't listen to her nonsense. Why don't experts say a few words about the economic boom?"

"Even if money is worthless, if you don't spend the borrowed money, isn't it still money? Where will you spend it?"

Lin Yaru said: "It can be expanded."

"What if the expansion failed?" Zhang Rilong looked at Lin Yaru coldly.

Lin Yaru looked thoughtful and quickly said: "You can buy land and houses, as well as some things to preserve value."

"Isn't the holding cost of my million acres of land high enough?" Zhang Rilong smiled, "If you hold the land and don't develop it, it will be taken back in three years. If you build a house and cannot sell it, how much will you lose?

money?"

"As for maintaining the value of commodities, your holding costs and transaction costs are not low. It's not that there are no people who have borrowed billions of dollars in venture capital, but there are only very few of them."

"Even if it is really going to rise, just invest some money depending on the situation. There is no need to buy the bottom now. Those who think about buying the bottom all day long are gamblers, not businessmen."

Lin Yaru nodded and agreed with Zhang Rilong's words.

Zhang Rilong said: "What I said is not necessarily correct. Things like the economy are only known after they happen. There are so many people in each country and the national conditions are so complicated. No one can really predict the changes in the economy. We can only give rough estimates.

It’s very possible that we can’t estimate it accurately.”

“Some problems can’t be known until they actually happen. There are also many games and movies that we don’t know what’s good about them until they become popular.”

Zhang Rilong is seeking steady development. It has been a long time since he received the bonus from Gold Coin Dragon. He feels that he has become increasingly grumpy and unhappy recently.

There is no way to continue like this...

Zhang Rilong doesn't want this continuous bleeding state, and now the things he does to earn and spend money are very irregular.

After you have more money, it is just money, just a number in the bank. It no longer has the same joy of making money every day.

I really want to go back...

Zhang Rilong suddenly had an amazing idea!

He has a personality that doesn't care about money. Compared with paper data, Zhang Rilong prefers the feeling of improving himself.

After thinking of this, Zhang Rilong directly posted a message on the official homepage without consulting anyone.

Li Xunhuan:

Life is about challenges

An idea suddenly came to me, so I decided to implement it.

At present, I only count my personal bank account, which is more than 3 billion. The fraction is not important. I will donate 3 billion to the National Finance Bureau.

The remaining several hundred million will be used to establish the Sailor Farm Development Foundation, which will be held by all farm employees, but every expenditure will be controlled by me. This money will be used for wages and my personal consumption, and the farm’s monthly profits will be saved.

Enter here as a solid guarantee to ensure everyone's salary.

For ordinary employees, the only benefit is that they can check the depth of the salary pool at any time, and there are no other benefits.

Except for the construction costs of the farm and my personal expenses, this money will not be used for anything else, nor will it be transferred elsewhere.

At the same time, the Goddess Butterfly Clothing Co., Ltd. was established. From now on, the farm will only provide services to the Goddess Butterfly Clothing Co., Ltd. The specific brand and clothing design will be responsible for the Ice and Snow Goddess Butterfly Co., Ltd., and the clothing business will be separated from the Sailor Farm.

In addition to the farm, income from clothing, toys, and various copyrights still goes into my personal account.

I am eighteen years old this year, and I want to see if I can have 5 billion when I am twenty!

Donation time: 23.59 on the last day of October!

***

No one could restrain Zhang Rilong, who quickly transferred the farm's debt to all the farm's employees.

The loan was originally mortgaged with one million acres of land. Although the loan was based on Zhang Rilong's name and assets, in fact some things were intangible, so the land and farm items could only be used as collateral.

So the debt was transferred to the farm at his feet, and Zhang Rilong directly lost 3 billion to the Finance Bureau. Everyone knew that Zhang Rilong also had a toy company and a clothing company that made a lot of money, so the bank agreed.

Long-term pain is worse than short-term pain. The continuous loss of blood of millions of acres of land is too powerful. Production and construction require money, so it must be separated.

The last second is too dangerous. If the banking system fails to respond, it will be delayed until 0:00 the next day, and it will be another day.