Ye Chenming personally handed over the bank card: "Grandpa Jiang, this account belongs to my wife Yan Xiaonan. You can withdraw money from it as you please."
Jiang Xing immediately understood Yan Xiaonan's meaning; she was protecting him with concrete actions to prevent him from being caught red-handed.
Yan Xiaonan has started applying for a business license again, submitting the qualification verification according to the template of Shanghai Stock Exchange securities companies.
That is, there is a deposit of 50 million in the bank, plus some applications for side businesses, totaling 100 million in registered capital.
Next comes the review process. Due to the rigorous procedures involved, Yan Xiaonan estimates that the review will take no less than three months.
With Jiang Xing overseeing this process, Yan Xiaonan was no longer worried about anyone secretly sabotaging things, because the final result still required Jiang Xing's approval.
Unless he is removed from his position, which is impossible, at least not in the next few years.
A month later, Jiang Xing brought Jiang Sheng to the eighteenth training base in Beinan.
Yan Xiaonan and Ye Wen warmly welcomed Jiang Xing and his son. With the two of them at the company, their own pressure would be greatly reduced.
Yan Xiaonan, as a trainee, also sat below listening to Jiang Sheng's lecture:
"Colleagues, we need to know how securities companies make money, which mainly comes from investment banking, brokerage, asset management, and so on."
However, at present we can only earn basic commissions, transfer fees and stamp duty from stock investors, so our main business is now to attract stock investors.
Of course, there will also be stock mergers and acquisitions, underwriting, financial advisory and other businesses in the future.
Some overseas underground stock brokerages have even started offering margin trading and securities lending services, which are the most lucrative businesses.
Asset management is another major area; once conditions are right, we can issue fixed-income products.
Jiang Sheng lectured on the stage, and Yan Xiaonan kept taking notes. She was very happy; she had found a treasure.
The year-end is fast approaching, and the construction of the securities company is basically complete. It seems that interior and exterior decoration can begin in another two months.
I estimate that the business license will be issued by then, so they can start operating internally first and then see where improvements are needed.
The lottery for the last batch of subscription certificates has also concluded successfully, and Yan Xiaonan has earned nearly 600 million yuan.
However, the 600 million yuan still gave Yan Xiaonan a headache. Apart from the 100 million yuan given to Jiang Xing, there was still 100 million yuan of registered capital that could not be touched.
It cost 20 million to turn Jiang Xing against his cause, and Xue Mei's 50 million must also be repaid. The construction of the securities company is another major expense.
After much discussion, Yan Xiaonan and Yan Aidang concluded that the total cost, including equipment, personnel, and management, would be at least 100 million yuan.
In addition, the clothing factory in Shanghai also invested nearly 50 million yuan, so Yan Xiaonan now has 150 million yuan in freely liquid assets.
But this money can't be touched either. Every month, a huge sum of money for land needs to be paid to repay the bank loan. Once the cash flow is cut off, all the efforts will be in vain.
By the way, regarding bank loans, Yan Xiaonan decided to go all out and set up a real estate company using the plots of land he owned.
Yan Xiaonan entered the space again and began to research how to invest in real estate companies.
Mortgaging the land to a bank to get a loan is not an option; all of her land plots are already financed by bank loans, so they definitely cannot be mortgaged.
Yes, there are already real estate companies in Hong Kong Island, so they can register a real estate company there and then invest in Beijing.
That way, the chances of getting a bank loan are much higher, and the loan can then be used to build residential buildings.
When the residential building starts construction, you can apply for pre-sale first, then sell the house, and use the money from the sale to repay the land loan.
Then, they can use this land to take out another loan and build another residential building. However, the second batch of residential buildings will be high-end, so that they can be sold faster and at a higher price.
Yan Xiaonan kept writing and revising in her notebook, to the point of neglecting to eat and sleep.
During that time, Bei and Nan also made a special trip to Hong Kong Island to thoroughly understand the real estate companies.
Both Bei Nan and others have connections in Hong Kong Island. As long as you have money in your pocket, you can basically get things done in Hong Kong Island.
With a registered capital of ten million, Yan Xiaonan finally registered a small to medium-sized real estate company in Hong Kong Island and returned to Beijing with all the documents.
Then I applied for investment loans at various banks. After review, the banks granted me a loan of 200 million yuan, although the interest rate was a bit high.
Yan Xiaonan hurriedly asked Sun Shaohua to contact the finance department to start calculating costs and, based on the market, how much per square meter of the houses they built should cost.
A week later, Sun Shaohua arrived with a smile, carrying the account book. Yan Xiaonan immediately flipped to the last page.
Based on location and quality, Yan Xiaonan's apartment was priced at 4,800 yuan per square meter.
Yan Xiaonan was speechless. In twenty years, you won't be able to buy a house in this area for 48,000 yuan per square meter. Buying now is a sure way to make a profit.
After looking at the bank loan interest rates, I realized that given the housing prices, these interest rates were still manageable.
Shen Shaohua suggested that they look for other banks, hoping that the interest rate could be lower and the loan amount could be higher.
Seeing Yan Xiaonan nod, Shen Shaohua started talking to her best friend again. Her best friend said she would think about it, but her tone was unusually relaxed.
Shen Shaohua wasn't stupid; she immediately understood what her best friend meant, but she still needed to discuss with Yan Xiaonan what benefits to offer.
Yan Xiaonan wasn't stingy either. If she could get a loan, she would be given a spot to buy a house in this building, and she could choose any apartment there at half the price.
With such a huge temptation, only a fool wouldn't take it; she doesn't need to take any risks.
After rounds of negotiations and compromises, they agreed to a loan of 250 million yuan, with the interest rate reduced by 0.1 percentage points.
With a few keystrokes on the computer, Yan Xiaonan knew that even giving away a house would be profitable, but selling it at half price and giving it away would be the safest option.
The loan arrived quickly, and according to the finance department's calculations, Yan Xiaonan's planned residential building was guaranteed to make a profit.
Yan Aidang hasn't shaved for a month. Looking at his unshaven appearance, he'll soon turn into a wild man.
Ye Chen'er looked at his slovenly yet smug appearance with amusement, and was also impressed by her man's accurate judgment.
Yan Aidang was willing to forgo purchasing a subscription certificate and instead invest heavily in expanding his construction company to become a first-class construction enterprise, all for the sake of Yan Xiaonan's real estate company.
If the company had purchased the subscription certificate at the time, the expansion construction would have been delayed, and they would not have been eligible to be selected in this construction tender.
Despite Yan Aidang being Yan Xiaonan's cousin, such large-scale construction still requires formal approval.
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