Chapter 2291

It will naturally not be an easy task to find a suitable place to open an academy in an unfamiliar place like Guangzhou. Even with the help of Fu Ruifeng, Zhang Jinbao does not expect to be able to find a suitable place with all the conditions soon.

A very ideal real estate. And the actual situation is indeed like this. I visited several places this day, and there are all kinds of problems. There is no target that can make Zhang Jinbao happy.

Zhang Jinbao had to admit that his choices were largely limited by the prices of these properties. Wherever the conditions were better, the housing prices were ridiculously high, making it impossible for him to afford them. As for the cheaper places,

Being far away from the city of Guangzhou will require large-scale renovations and there will still be a lot of hidden costs.

Gan Wei also saw that Zhang Jinbao's budget was limited. If it were anyone else, he would suggest that Zhang Jinbao lower his requirements and choose a house with slightly inferior conditions. However, Zhang Jinbao has some special requirements for the scale and structure of the academy.

It is used to live in any house, so any house can be used as a makeshift house, so there are really not many goals Ganwei can provide him with.

"Master Zhang, I'm not complaining, but you have so many requirements for a house. To be honest, there are probably not many places in Guangzhou that can satisfy you. At most, in a day or two, the conditions inside and outside Guangzhou

You can finish looking at quite a house." When Gan Wei said goodbye to Zhang Jinbao at the end of the day, he kindly reminded him.

Zhang Jinbao expressed his gratitude to Gan Wei, but he was not too anxious. He knew that he still had a way out. Li Nai had told him before that if he could not find a suitable place in Guangzhou, he could consider using the property under the Li family's name.

.Although he has not done any on-site inspection yet, he thought that Li Nai had done an on-site inspection at Qiongxi Academy before, and they had communicated many times regarding the site selection requirements for the branch. Presumably, the properties that Li Nai actively recommended should have the same conditions.

It will be more suitable for the requirements of opening a branch.

Of course, Zhang Jinbao would not let Gan Wei's work go in vain. Before leaving, he still rewarded the other party with two ingots of broken silver. Gan Wei then left with a smile and a lot of gratitude.

When Zhang Jinbao returned to his residence, he found that a guest had come to visit him. The visitor was a middle-aged man in his thirties, who looked quite capable. Zhang Jinbao was guessing whether the other person was from the Guangdong Office, but the man had already left on his own.

He introduced his identity: "I'm Guo Huan, the person in charge of the local branch of Haihan Bank. I'm here uninvited. I hope Dean Zhang can forgive me!"

Zhang Jinbao was a little confused when he heard that the other party was actually from the bank. He didn't understand why the other party would take the initiative to visit him. However, he knew that Haihan Bank was actually a state-owned bank with very strong strength, and he could hold senior positions in it.

Almost all of them are apprentices taught by high-level officials in Haihan, and their identities may be more trusted by high-level officials than ordinary officials.

Zhang Jinbao did not dare to neglect, so he invited Guo Huan to sit down in the study, served hot tea, and then politely asked him about his purpose.

Guo Huan did not try to hide it, and asked straight to the point: "I heard that President Zhang came to Guangzhou this time to inspect the place and open a branch here in Guangzhou?"

"Shopkeeper Guo is well-informed... Indeed, I plan to open a branch in Guangzhou, but this matter is still in the preparatory stage." Zhang Jinbao didn't know where Guo Huan got the information from, but since the other party was a semi-official person,

Since he is one of our own, there is no need to conceal the purpose of this trip.

Guo Huan smiled and said: "Dean Zhang may be curious about where I got the news from. In fact, to be honest, it's not surprising at all. My brother-in-law works under Mayor Zhang of Danzhou, so I have no idea about Qiongxi Academy."

I also understand the current situation. I came to visit Dean Zhang today mainly because I want to know whether there are sufficient funds to open the Guangzhou branch? If there is anything I can help you with, please don’t be polite.

."

After Zhang Jinbao heard his explanation, he understood the whole story and realized that Guo Huan was here to promote loan business.

Although Zhang Jinbao is short of money, he has not considered borrowing money from the bank before, because borrowing money requires collateral, and the most valuable thing he has is Qiongxi Academy. Zhang Jinbao thinks that it can be used as collateral to borrow money to open a business.

Branch hospital, if something goes wrong in the middle, both ends may be lost. This risk is too great, so he excluded the loan from the plan from the beginning, and instead sought cooperation with Fulifeng.

It is hoped that this method can reduce the expenses in the start-up phase.

But I didn't expect that the people in this bank were very active. They actually came to seek cooperation after receiving the news. The news spread from Danzhou to Guangzhou, which seems to be quite efficient. Zhang Jinbao guessed that it was through telegrams.

The form was sent over so that Guo Huan could take action so quickly.

"That's really a big deal, Shopkeeper Guo!" Although Zhang Jinbao had some opinions on this matter in his heart, he didn't show it at all on the surface. He still had a smile on his face, but he didn't mention whether he wanted to borrow money from the bank.

Guo Huan continued: "Dean Zhang, if you want to open an academy in Guangzhou, the initial cost is quite high. If you find an outsider to cooperate, you will only have to exchange part of the academy's operating rights, which may affect the academy's future."

Stable. Instead of this, it is better to borrow money from Haihan Bank. You only need to pay very low interest to get a large amount of funds, and the repayment time can be extended to ten or eight years according to the operating conditions of the academy. The most important thing is

, the academy is still in your hands from beginning to end, and there will be no future hidden dangers due to the current funding gap. You may wish to consider it carefully."

It has to be said that Zhang Jinbao was still slightly moved after listening to Guo Huan's words. The cooperative school running plan he discussed with Li Nai certainly required Furifeng to bear part of the initial start-up costs, whether it was direct payment or

The real estate needed to leave the academy will be discounted and counted as shares of Fulifeng. In return, in addition to setting up some professional subjects required by Fulifeng in the Guangzhou branch and cultivating talents for it, Fulifeng can of course also

Participate in the daily operations of the academy.

Zhang Jinbao is not 100% sure whether this type of cooperation will affect the ownership and daily operations of the academy. If Li Nai or Furifeng intend to enter the cultural and educational industry, then this cooperation project with Qiongxi Academy will probably

This is an excellent entry point. Maybe in the future it will be possible to directly spend another sum of money to bring the Guangzhou branch under the name of Fulifeng.

Of course, during the implementation of this project, risks and benefits coexist. Li Nai will not ask for collateral from Qiongxi Academy, and the funds or real estate he invested does not need to be repaid by Qiongxi Academy. According to this calculation,

Zhang Jinbao can at least save tens of thousands of start-up capital, and this money is very likely to be equivalent to the total income of the branch in the first few years of operation.

Zhang Jinbao pondered: "Then I wonder how much credit shopkeeper Guo can give me if I want to borrow money from the bank?"

Guo Huandao: "For people like Dean Zhang who have assets in China, the amount is definitely easy to negotiate. It just depends on how much you need to borrow!"

Seeing that he spoke easily, Zhang Jinbao asked tentatively: "Can I borrow one hundred thousand or two hundred thousand?"

"You can borrow more money." Guo Huan responded with certainty: "Dean Zhang, don't underestimate your credit. Furifeng is willing to cooperate with you. In fact, a very important reason is because

You and Qiongxi Academy have a good reputation. Of course, this is also the reason why I took the initiative to visit you."

Zhang Jinbao said: "But credit cannot be spent directly as money! If you want to borrow money from a bank and you don't have proof, then you have to use other things as collateral, right?"

Guo Huan nodded and said: "This is the bank's rule. I believe Dean Zhang can understand it."

Zhang Jinbao said: "Except for Qiongxi Academy, I don't have any valuable property, but if I want to mortgage Qiongxi Academy, to be honest, I really don't dare to take this risk."

Guo Huan said: "Dean Zhang, as long as you continue to operate the brand name of Qiongxi Academy, you don't have to worry about any risks. As I said just now, the interest can be kept to the lowest for you, and the money can be paid back slowly. No need

Urgent. After ten or eight years, you may have opened several branches. Qiongxi Academy has already been worth a hundred times, so what does it mean to borrow money?"

Zhang Jinbao would definitely be lying if he said that he was not moved. Guo Huan's suggestion was actually very tempting. Of course, he also hoped that Qiongxi Academy would be in his hands from beginning to end and that he would have the final say, but in his heart he still

There are inevitably some concerns.

Zhang Jinbao said: "Shopkeeper Guo, please forgive me, if I borrow this money from the bank in the name of Qiongxi Academy, will it be of any benefit to you personally? What I mean is... benefits other than money."

Zhang Jinbao saw Guo Huan working so hard to promote this matter, and he always felt that the other party had some agenda, and it was not just to get a commission from this business. Since there was no third person present, he simply put his

The doubt came out. If this question cannot be answered, he will always feel that it is not appropriate to borrow money from the bank.

Guo Huan was silent for a while after hearing this, as if he was weighing how to respond to this question. Zhang Jinbao did not rush him and quietly waited for the other party's answer.

Guo Huan finally said: "I heard that Qiongxi Academy also offers a financial discipline that has only emerged in recent years. Then Dean Zhang must know a thing or two about the operation of banks. If a bank wants to make a profit, it must borrow money.

You just have to go out. There is no need to explain the principle below, right?"

Zhang Jinbao nodded slightly, indicating his approval of Guo Huan's words. The operation of Haihan Bank is actually very similar to that of the past banks. They all make profits by lending money and earning interest. This principle is basically known to everyone.

Guo Huan continued: "The users of Haihan Bank are of course mainly Chinese businessmen, but when they come to Guangzhou to engage in trading activities, they rarely make large investments here. At most, they only deposit, deposit and withdraw money to settle payments.

, and this will not generate much profit for the bank. If the money in the vault cannot be borrowed, the bank is operating at a loss. If it keeps losing money, it means that it is not managed well. If Dean Zhang wants to know the reason,

Then this should be the main reason.”

When Zhang Jinbao heard this, he already roughly understood Guo Huan's situation. To put it bluntly, the branch of Haihan Bank in Guangzhou usually didn't get much loan business, so the bank couldn't make a profit, and Guo Huan, as the person in charge, naturally couldn't leave.

The blame. If he wants to change this situation, the most effective way is of course to contact customers to go to banks for loans. Compared with local Ming merchants, it is obviously easier to persuade businessmen from Haihan.

But this requires a premise, which is to first confirm that the target has the intention to invest in Guangzhou and conduct long-term operations. In fact, there are many Haihan businessmen with such intentions. The number of people who buy houses and open stores in Guangzhou increases every year. But

The problem is that most of the businessmen who cross the sea to do business in Guangzhou are strong and do not need to borrow money to operate, so it is not easy for Guo Huan to find a suitable partner.

However, this time he learned in advance through his own news channel that Zhang Jinbao planned to come to Guangzhou to open an academy, and he keenly felt that this might be a potential customer. Academy in this era is a business with high investment and low output, and

It is said that Qiongxi Academy also took the initiative to contact Fulifeng to seek cooperation, which is obviously a sign of lack of money.

A big project, a lack of money, and coming from Haihan. These factors combined together made Guo Huan a perfect target. So he specially arranged for people to watch Furifeng on the banks of the Pearl River in advance.

At the dock, they were waiting for Zhang Jinbao's arrival. After confirming Zhang Jinbao's residence, Guo Huan took the initiative to visit him.

Zhang Jinbao said: "But even if I borrow money from Shopkeeper Guo, the amount will be limited after all, and I'm afraid it won't be enough to change the operating conditions of the Guangzhou branch."

Guo Huandao: "The second thing is how much Dean Zhang borrows. The main thing is to have a good example, so that we can promote the bank's loan business to more people. Qiongxi Academy has always had a good reputation in the country. In the future, we will introduce it to other people."

There is no need to explain much when the businessman introduces it. As long as the sign of the academy is shown, everyone will naturally know that this method of borrowing is reliable."

Guo Huan also vaguely praised Qiongxi Academy in his words, which made Zhang Jinbao feel comfortable. If Haihan Bank can be regarded as an example for Haihan businessmen to operate overseas, it will also be good for the academy.

An excellent publicity channel. And Zhang Jinbao also understands that the sooner you participate in this kind of thing, the greater the benefits. When the business of the Guangzhou branch gradually improves in the future, there may be no room for bargaining with Guo Huan.

.

Zhang Jinbao thought for a moment before responding: "What shopkeeper Guo said is indeed reasonable, but I have discussed with Furifeng a plan to jointly run a school. Now if we borrow money from the bank, wouldn't it be equivalent to borrowing money from Fu Ruifeng?"

Ruifeng kicked him away? This is unreasonable, and it’s hard for me to explain to the other party."
Chapter completed!