novellhall Chapter 32 Loan Investment
Chapter 32 Loan Investment
December 7th, early in the morning.
Lin Yun, head of Mozi Investment, came to Han Ziming's office to report on the previous ByteDance share mortgage and bank loan matters.
After listening to the report, Han Ziming said with a speechless expression.
"Shares worth 20 billion can only be loaned 7 million? That's only 30%, I remember the minimum is 50%."
Lin Yun sighed and explained helplessly.
"Yes, boss, these shares cannot be sold within three years, and there is no equity involved. These two restrictions will have a significant impact on the loan."
Moreover, of the 700 million, 100 million was used to offset previous loans, so the actual amount received was 600 million, with an interest rate of 5%.
Although Han Ziming was somewhat dissatisfied, he knew that Lin Yun had done his best, so he suppressed his anger and asked.
"What about the other banks?"
"Other banks are even more outrageous! Only 25%! All banks have this clause at the end: if you can't repay, the shares will be theirs," Lin Yun said indignantly.
"Damn it! Isn't this bullying an honest person?!"
Han Ziming's face flushed instantly, and he burst into a tirade of curses.
He can't pay it back, he'll lose the shares, he accepts it!
However, this loan amount is really low.
Lin Yun then offered his suggestion.
"Boss, if you really want a high price, you can find a third-party buyer, but it probably won't be a loan, but a contract first, and after 3 years it will belong to someone else directly, which is equivalent to selling it directly."
Han Ziming took a deep breath, trying to calm himself down, and after thinking for a moment, said:
"Selling is out of the question. Let's go with the first bank. 6 million should be enough for next year. Go and arrange the loan first."
"Okay, boss!"
Lin Yun nodded and said.
Han Ziming nodded slightly, then asked:
"By the way, it's been two months already."
"How's the investment in Ziqi going?"
Lin Yun straightened up and reported everything in detail.
"Boss, she's willing to cooperate with us. We've already jointly opened a company called 'Chuanshuziqi Culture Communication Co., Ltd.'"
The company received a 300 million yuan investment, acquiring a 60% stake, and they are now preparing to film a new video.
Han Ziming listened attentively, nodding occasionally, but soon frowned as if he had thought of something.
"Have all the trademarks been registered?"
"A series of trademarks have been registered, and the trademarks belong to the company. She owns 40% of the shares, which means she owns them herself. So it's considered an agreement."
Lin Yun answered with certainty.
"Good job, Mr. Lin!"
Han Ziming's smile widened as he praised her.
"It's all I should do!"
Lin Yun smiled modestly.
"Do they have any requests?"
Han Ziming went straight to the point.
Lin Yun said with a smile.
"Her only request was for Weibo promotion and traffic generation. Now that she has the money, she has arranged for promotion and is quite satisfied."
Han Ziming then asked the core question.
"Have you discussed the profit model?"
Besides giving her a boost, this investment is also about making money, but most importantly, it's about spreading culture in the future. This is also Han Ziming's preparation for building a golden image for herself in the future.
After all, no matter how much money you have, you have to be able to protect it.
Even if he doesn't open his Crystal Palace in the future, a guy like him will still have plenty of girls around him.
That title of outstanding youth is something we can't win. Even if we forced it on him, he wouldn't be worthy of it, and we'd only be criticized for it.
We should do more good deeds within our capabilities.
As long as a mistake is not a matter of principle, I believe the higher-ups will still turn a blind eye.
"Boss, we've already communicated with her. It's relatively difficult for her to monetize her video content domestically, so our plan is to go overseas."
"Hmm, this is a good plan. I've seen her previous posts, and I suggest that she could focus on exporting traditional culture in the future."
"Okay, boss, I'll talk to them."
Han Ziming breathed a sigh of relief, knowing that the project hadn't gone astray.
In its previous life, ByteDance invested tens of millions of yuan in Ziqi in 2021 because it was optimistic about Ziqi's influence across the internet and its ability to help farmers. In the end, the company's value skyrocketed to 50 billion yuan.
Surprisingly, Ziqi held zero shares.
Finally, ByteDance, which had already invested in the company, conducted an in-depth investigation and discovered that Ziqi's relationship with the company had broken down.
So they immediately initiated the process of leaving the company.
It's just that some people have too big an appetite and lack vision.
If he had intercepted it this time, this wouldn't have happened.
Moreover, Lin Yun has good judgment; he knows how to make money from foreigners, which is not shameful at all!
Han Ziming was very happy to agree.
Many people may not know that Ziqi doesn't play games, she only makes videos, so how does she make money?
Actually, she mainly makes money on overseas platforms!
The former queen has 800 million subscribers on YouTube, and she earns $73 a month from GG's revenue sharing.
If converted to annual income
But it's over 6000 million RMB!!!
This is extremely exaggerated.
It is stronger than many large industrial companies.
On YouTube, the platform automatically matches creators of high-quality content with Google, and the revenue sharing is exceptionally high.
Unlike domestic self-media platforms, which are stingy and offer less and less revenue sharing each year.
Moreover, there are countless self-media practitioners in China, making it impossible for most of them to support themselves through platforms like Google.
Taking ByteDance as an example, its annual GG revenue is over 100 billion yuan, but only 4 billion yuan is distributed to self-media creators who produce high-quality content, which is not much at all.
As for other platforms, needless to say!
Therefore, if domestic self-media creators want to make big money, they need to find another way!
Han Ziming remembered that in her previous life, her team in China operated various self-media platforms such as Weibo and Douyin, mainly to attract traffic and then make money by selling various delicious foods through e-commerce.
They operate on a low-profit, high-volume model, which means they don't really take advantage of consumers.
At this moment, Han Ziming said with a smile, "President Lin, once this money arrives in your account, you should take 300 million to invest."
"Really? Boss, do you have any investment ideas?"
"I'll use 100 million to buy Moutai stock and the remaining 200 million to buy Bitcoin. I'm quite optimistic about both!"
Lin Yun looked surprised and couldn't help but speak up.
"Boss, I understand you want to invest in stocks. But... as far as I know, investment companies in China aren't allowed to deal with Bitcoin!"
"It's fine if the company doesn't handle it."
"I remember I could buy it under my own name. At worst, I'd have to pay 20% tax."
Han Ziming said slowly and deliberately.
He remembered that in his previous life, in 2017, the price of Bitcoin fluctuated dramatically, rising from $1000 at the beginning of the year to $20,000 in early December, a 20-fold increase.
He can make a lot of money if he sells it in mid-December.
However, those who manipulate this currency are all high-level players.
The coin itself isn't dangerous, but the group of people behind it are no pushovers.
I remember in August the US caught a pair of thieves, a male and a female, who stole 120,000 Bitcoins, and they were caught immediately.
If they hadn't been caught, back in Han Ziming's previous life in 2024, a single coin worth 6 US dollars would have been worth hundreds of millions!
However, it also shows how capable these people are. They were able to find and catch them even with such methods, which means they know who bought it and who has it in no time.
Therefore, Han Ziming only invested 200 million, not daring to invest any more, as he did not want to be discovered by the bookmakers.
Just make money quietly, don't be too arrogant, and try to minimize the butterfly effect.
As a seasoned investor, Lin Yun naturally understands the risks of Bitcoin and knows how to operate it.
"Boss, I think this cryptocurrency is too risky, maybe we should just forget about it."
"I've looked into this. Its price is far from peaking. Just collect them in batches, and don't let anyone notice."
"Alright, I'll make the arrangements!"
Seeing that he couldn't persuade Han Ziming, Lin Yun had no choice but to agree and walked out of the office with a helpless expression.