Before Liang Yuan returned from Shenzhen, it had just snowed heavily in Shengjing. Nanhu Park next to the Science and Technology Park was covered with silver. Several circular ice skating rinks were cleared on the frozen lake thousands of meters wide. Since it was not a holiday, only a few people were gliding leisurely on the ice rink.

After more than two months of construction, Nanhu Science and Technology Park has begun to take shape. The original printing factory's building only left a beige three-story office building. The rest were stripped off by Liang Yuan's command and replaced with a white flat-topped building with a steel structure.

Liang Yuan held the coffee and leaned against the heating in Su Liangyu's office. He looked at the staggered pine trees outside the window and said, "Old Su, do you think this tree has some dense plantings? I think a few should be cut off."

"It's best not to let your uncle hear this." Su Liangyu said with a smile. "It's not what you said in Xiatian. The more you can cut a tree, the better. It's best to see green all year round."

"Haiping has ruined his boss's energy and has brought to life the pine trees transplanted from Qipan Mountain. You actually said to cut off a few of them." Su Liangyu looked at Liang Yuan and laughed a few times.

"Old Su, you won't tell me, right?" Liang Yuan said with a smile.

"I don't have that leisure." Su Liangyu said with laughter and cry.

"But Xiaoyuan, why are you so idle today? You ran to me for an afternoon." Su Liangyu asked curiously.

"I have two good news and one bad news. Which one is Lao Su planning to listen to?"

Su Liangyu laughed and said, "I used to be a famous person, so of course I have to choose to listen to the good news first."

"The good news is that we have successfully controlled a bank, and the double-decker bottom of the Northeast Locomotive Factory has successfully passed the ring line test in the department." Liang Yuan said with a smile.

"The holding bank will let you do it so quickly." Su Liangyu said in surprise.

Su Liangyu, who has been in the United States for many years, knows the role of banks very well. If you look at the Wall Street that controls the US economy, you will know the power and role of banks.

Liang Yuan nodded and said, "Old Su, please study with peace of mind. As long as the laboratory can be found, we will find someone to invest in the integration of production, production, education and research. We have completed two steps."

Su Liangyu rubbed his hands excitedly and said, "This news is so good. Xiaoyuan will tell you bad news. With this good news, it doesn't matter what bad news."

"The bad news is that this bank is very, very, very poor, even poorer than us." Liang Yuan said with a wry smile.

The newly founded Shenzhen United Credit Bank can be said to be a thrill. Currently, the only one of the armored trucks in the entire bank is still transformed from ordinary small trucks. The armored trucks are not enough. When a branch urgently needs to withdraw cash, the vault administrator even uses bicycles to transport them.

Before the United Bank changed its headquarters, the vault was small and there was no place, and some small-denomination banknotes had to be stored at employees' homes. The bank's security department was even more shabby. There were only 7 people in the security department, including five police officers guarding the warehouse for 24 hours, and only two people were escorted in cash. The entire armed forces of the security department only had 5 Type 54 pistols and 100 rounds of bullets borrowed from the Municipal Public Security Bureau.

The most shabby thing is that Shenzhen United Bank has a bank name. The depositors of the bank and Liang Yuan’s capital injection have barely been in excess of 100 million yuan in cash. If the bank has no money, it cannot lend, and if it cannot lend, it cannot carry out various financial businesses that come with it. Where can the profits come from if it does not carry out business? Liang Yuan only enjoys the happiness of the successful acquisition of United Bank. The next day, he looked at the all kinds of miserable data from United Bank.

Both CITIC Bank and China Merchants Bank, which were just established, had more than 10 billion yuan of funds deposited by overseas residents at the beginning. They were rich second generations who were rich and were not comparable to those of poor children like Liang Yuan. A Shekou Industrial Zone, which was the first to allow foreign capital to build factories, was able to attract deposits from eight streets of United Banks.

Especially China Merchants Bank, its own funds exceeded 100 million in the early stages of its establishment, and its headquarters is also in Shenzhen, making it the most direct competitor of United Bank.

Due to policy restrictions, Shenzhen Kaituo Bank and China Merchants Bank in their previous lives could only stay in the internal struggle in Shenzhen in the early days of their establishment. However, China Merchants Bank seized the opportunity of the country's development of Wusong Pudong in 1991. With the support of Yan Hongji, the Republic's Iron-Faced Prime Minister, it broke through the shackles of regional joint-stock commercial banks and could not open branches in other provinces and cities. It established the first off-site branch in Wusong, and since then it soared to the sky. Shenzhen Kaituo Bank did not obtain the same qualification until 7 years later.

At this point, the two banks have embarked on different development paths. Liang Yuan Chuanqian China Merchants Bank has already ranked among the top 100 major banks in the world, while Shenzhen Kaituo Bank was acquired by Shenzhen Ping An Group and withdrawn from the historical stage sadly.

For Liang Yuan, if he did not want to be acquired in the future, it would be the easiest way to clone the old road of China Merchants Bank forcibly opening a branch in another place. However, China Merchants Bank could impress Yan Hongji, the mayor of Wusong City, and relied on the 6.4 billion yuan of funds he controlled. At that time, China Merchants Bank promised to invest several billion yuan in projects in Pudong and provide a large amount of financing for companies settled in Pudong.

If Liang Yuan wants to clone the method of China Merchants Bank, the biggest obstacle is that he has no money. In just four years, the funds that United Bank can control will surge from 100 million to more than 6 billion, which is not an easy task no matter how you look at it.

Liang Yuan told Su Liangyu about the current situation of Shenzhen United Credit Bank. Then he sighed: "Old Su, do you think there is such a poor bank? Even the depositor's money and the doorman's bench are counted. The total assets of the entire bank are not more than 130 million."

Su Liangyu nodded with a deep heart. The microelectronics laboratory he established in Nanhu has invested 30 million now. Next year, he will have to invest 40 million in the construction of the ** device laboratory. This alone will have half of the bank's assets.

"I asked my uncle to go to the Lu Bureau to cheat money in the afternoon. It's boring to stay in the 909 community. It's better to go to Lao Su, your place." Liang Yuan took a big sip of coffee and said.

"Go to Luju to cheat money?" Su Liangyu looked at Liang Yuan in confusion.

Liang Yuan held the cup and looked at the black Volga who had just turned into the science and technology park from outside and said, "My uncle is back. Old Su will know in a while."

"Old Su, come and have a look. This black Volga is rated to the Science and Technology Park. You can share one with the Gas Turbine Research Institute for the time being, and one will come next month. In the future, just call the Administrative Department directly with the car."

"Oh, we will be considered as enjoying the treatment of a bureau-level cadre in the future." Su Liangyu said with a smile and five minutes later, Liang Haiping pushed the door and entered. Liang Yuan turned around Liang Haiping and said, "It seems that my uncle has a good result."

"Xiaoyuan, where did you tell that the battle was good?" Liang Haiping asked while hanging his coat.

"If I had no choice but to say anything, my uncle should have come back long ago. It took so long to take a look at the road bureau." Liang Yuan said affirmatively.

Liang Haiping looked at his extremely smart nephew, shook his head and said with a smile: "Xiaoyuan, you have so many minds now. What should I do if I don't grow taller in the future?"

"It's better to be taller than Jia Jia." Liang Yuan replied casually, but he regretted it as soon as he said it.

Looking at Liang Haiping and Su Liangyu who were laughing quickly, Liang Yuan pressed his cup against his forehead and rolled his eyes helplessly.

After the two of them laughed enough, Liang Yuan asked, "Uncle, what did Liu Changhe say?"

"It's similar to what you guessed, let me contact the trust and investment company in Shenzhen," said Liang Haiping.

"Xiaoyuan, what trust company does we have there? It is said that the cost of producing forty groups this year will be at least one billion. Where can we raise this production cost?"

"Uncle, you think about the cost estimate given to you by the car factory finance some time ago." Liang Yuan asked Liang Haiping and nodded.

"That thing is useless," Liang Yuan waved his hand vigorously and continued: "It's just a number game. In special circumstances, it can only be referenced but not taken seriously."

"Uncle, in my eyes, the cost of a double-decker bottom is only three raw materials, water, electricity, labor, remaining taxes, depreciation, etc., don't consider it first."

If you are playing an asset game, the equipment introduced by the Northeast Locomotive Factory from the troops is worth at least 600 million yuan, and the double-decker bottom costs nearly 100 million yuan. Of course, you can also bring the 243 head into it, including the East Germany Investment Shopping Center, and merge all the East Germany imported projects into a package agreement, so that it can calculate 400 million or 500 million yuan. The annual depreciation of the Northeast Locomotive Factory alone will be over 100 million yuan. According to the formal financial statements, these will be included in the cost of the double-decker bottom.

The price of the double-decker bottom of the Nanjing factory is 2.8 million yuan per vehicle because the Nanjing factory cannot produce steel, wheel pairs, and bogies. The double-decker bottom of the Nanjing factory is produced by the Wuhan Iron and Steel Plant, the train wheel pairs are from the Maanshan Iron and Steel Plant, and the bogies are provided by the Changchun Bus Factory. The Nanjing factory will have to pay at least 1.4 million yuan for purchase of these three raw materials and components.

The cost of these three raw materials and components of the Northeast Locomotive Factory is only the price of purchasing 160 tons of iron ore from the Benxi Nanfen Mining Bureau at a price of 200 yuan/ton.

The entire Northeast Locomotive Factory and the undercarriage technology introduced in East Germany are almost all assets that Liang Yuan has made empty-handed. Excluding all factors, the real cost, labor, materials, and water and electricity consumption of a double-decker bottom of the Northeast Locomotive Factory only needs 700,000 yuan.

"Uncle, I told you to go to the Road Bureau to discuss tranching and leasing. In fact, it depends on the profits held by the Road Bureau this year. Since Liu Changhe is interested in this proposal, he said that the Road Bureau has made a lot of money this year."

In 1987, the profitability of central enterprises in the later generations ranked second, and the third two barrels of oil were still drinking the northwest wind on the wasteland, while the most profitable 10086 was not born at all. The Daqin Railway, which transported coal, had just been opened to traffic, and Shenhua Group, which made its fortune by coal mines, was still living in Shanxi, and Changchun FAW was still honestly producing Lao Jie. In addition to the awesome iron boss, there are not many companies in the country that can provide hundreds of millions of cash.

"My uncle also knows that there is an extreme demand for funds. Therefore, I plan to create hundreds of millions of dollars from the road bureau and deposit it with United Bank. This will make it much less difficult for United Bank to start. How much money can Liu Changhe spend this year?" Liang Yuan asked curiously, and the difficulty of using 100 yuan to make 400 yuan and using 500 yuan to make 400 yuan. The difficulty of the two will be huge.

Liang Haiping stretched out four fingers and shook them. Liang Yuan looked at Liang Haiping's fingers and breathed a sigh of relief. It costs 400 million yuan a year, and it costs 20 billion yuan in five years. When the country developed Pudong in 1991, he received at least 1.6 billion yuan in funds for Shenzhen United Bank. If the remaining Lin Jian still couldn't handle it, he would not think about taking the position of the president of United Bank again.

"Uncle, I have estimated that the production cost of each double-decker bottom is only about 700,000 yuan."

"Xiaoyuan, what you are talking about is pure raw material cost, and it is unscientific to consider it as a cost," said Liang Haiping.

"Uncle, when have I ever been scientific in these things I have done in the past six months?" Liang Yuan asked with a smile.

Seeing Liang Haiping shook his head helplessly, Liang Yuan continued: "Forty groups require production costs of about 500 million yuan, and the car factory can produce three groups every month."

"Uncle, it turns out that the road bureau that was divided into the car factory agreed to merge?" Liang Yuan asked, "Well, I agree." Liang Haiping nodded.

"The employees who have been assigned must first get along with us for a while, and they won't be able to use it for the time being." Liang Yuan muttered.

"It only takes 30 million yuan per month to maintain the production and operation of the locomotive factory. Next year, the monthly fertilizer profits of Suifenhe Market will be handed over to the locomotive factory for the production of double-decker bottoms." Liang Yuan said.

"The funds from the road bureau's rental car are included in the United Bank for the bank to carry out financial business."

"Xiaoyuan, doing this will cause serious losses on the books of the motorcycle factory."

Liang Yuan laughed and said, "Uncle, that's not a loss or an account receivable. There is no risk in making money in a business. Didn't Comrade Lao Liang say that when he contracted, he would just make money, just make money by ensuring that employees can pay."

"Besides, I didn't say that the rental company would not give money to the motorcycle factory. It's just a while. As long as there is no problem at the bottom of the car, the purchase price will sooner or later be transferred to the motorcycle factory's account. Besides, the bottom of the car has to run 300,000 kilometers without major accidents before it will be formally established by the Ministry of Railways. It can be reasonable to give it a few days later."

Only then did Liang Haiping understand that Liang Yuan had built such a big circle and the fundamental purpose was to attract deposits for Shenzhen United Bank.

For employees of the locomotive factory, as long as they can maintain their current welfare benefits, no one will care about how much accounts receivable the factory has. For Liu Changhe, the profit from the acquisition of the car factory and the help of directly replacing forty groups to the road bureau in their career will be a simple choice.

As for the Ministry of Railways, it is beyond the reach. Both the locomotive factory and the road bureau have sufficient security to promote the implementation of the leasing plan. Therefore, even if you have any opinions, you can only watch it for the time being.

"Uncle, the locomotive factory will suffer huge losses next year. At that time, there will be fewer flies that will be the idea of ​​fighting the factory. The only loss is probably the outside world's evaluation of the uncle's ability, which will be much lower at that time." Liang Yuan said with a smile!~!
Chapter completed!