Chapter five hundred and ninety-ninth pillar industries

Chapter 599 Pillar Industry

Zhao Jinshan took out a folder and said with a smile; Wei Dong, I listened to you, I liquidated all U.S. stocks before the Spring Festival! When I was liquidating, I saw that the Nasdaq was still rising, and I still feel at a loss.

But now it seems that you are right, my stock has only been liquidated for more than a month, and the Nasdaq in the United States has begun to fall! If I leave a month late, I am afraid I will be trapped.

This is the beginning. I predict that the Nasdaq index in the United States may have to fall for a year or two this time. Li Weidong said.

America's Internet bubble finally burst.

The hidden dangers brought about by blind investment in the Internet industry in the past few years have finally been revealed at this time. In the next two years, US technology companies will erase the market value of five trillion US dollars, while only half of the Internet companies in the United States will survive until 2004. Until the Internet takes off again.

Zhao Jinshan continued to say: I sold the stocks in the United States, and I got some funds back, and by the way, I bought four large coal mines in Inner Mongolia. The scale is okay, and the annual output exceeds 1 million tons.

Originally, there were quite a few strong opponents, and the competition between them was fierce, but the State-owned Assets Supervision and Administration Bureau over there heard that I would pay in US dollars, and immediately sold me four or four mines.

I heard that they are going to build a petrochemical project and urgently need to purchase a batch of imported equipment. The file is here, you can see.

Li Weidong took the file bag and opened it. Although the scale of these four coal mines is far inferior to that of Taifeng Mine and Taisheng Mine, it is not a problem for each mine to earn 200 to 300 million yuan a year when coal prices rise in a few years. .

The days of tightening our belts are coming to an end. If we keep going, the golden ten years of the coal boss will come soon, Li Weidong secretly said in his heart.

...

Not far from the textile wholesale mall, the small home appliance wholesale city invested by Li Weidong has also been completed.

Ma Zhongyi led the way and led Li Weidong around the mall.

Brother Ma, it's been a tough year for you! Now that the Small Appliance Wholesale City has been built, you can rest for a few months before we do the next project. Li Weidong said.

Is there another project? You are not going to let me go home and hold my grandson! Ma Zhongyi smiled bitterly.

Holding a grandson? Is the family rich with children? Li Weidong asked.

Well, it's been five months since my rich daughter-in-law was pregnant. Ma Zhongyi continued, I originally planned to finish this project and go home to see my grandson!

Brother Ma, you're only fifty years old, so what's the hurry, at least you can work for another fifteen years! Li Weidong said with a smile.

The Jiafu they call him is Ma Jiafu, the eldest son of Ma Zhongyi. After he obtained a high school diploma, he went directly to the Puppy Electric Factory as a junior leader.

Later, Ma Zhongyi was in charge of the construction of the mall, and Ma Jiafu followed Ma Zhongyi to the mall management company and was trained as Ma Zhongyi's successor.

The business of a mall management company is similar to that of a property company, mainly providing property services for the tenants of wholesale malls.

As for leasing, you don't have to worry about it. Since the completion of the expressway, households in the textile wholesale mall have been prosperous, and some businesses are rushing to rent. Even the second phase of the project completed last year was quickly filled.

Therefore, Ma Zhongyi's usual work focus is mainly on construction.

In recent years, Ma Zhongyi has completed the construction of the second phase of the textile wholesale mall, the construction of the logistics park, and the construction of this small home appliance wholesaler.

For Li Weidong, the small home appliance wholesale mall is only part of his plan. He wants to turn Qinghe into a comprehensive wholesale mall. Textiles and small home appliances are not enough.

I just heard Li Weidong say: The Administrative Measures for the Guarantee for Housing Purchases has been reviewed and approved. Although it is a trial version, I estimate that it will soon enter the implementation stage. In the future, it will become much easier for ordinary people to borrow money to buy a house.

The year before last, the country had already stopped the policy of assigning houses to units. Those who got houses last year were probably the last lucky ones. Next, housing will enter the era of commercial housing.

I think that in the next 20 years, buying a house with loans will gradually become the mainstream of the society, the real estate industry will develop greatly, and even become the pillar industry of our country. We must not miss this good opportunity!

Are you planning to enter the real estate industry? Ma Zhongyi asked immediately.

Li Weidong nodded: When I built the textile wholesale mall, I did not outsource the construction work, but set up a construction company specifically for the purpose of developing into the real estate industry in the future.

If you are engaged in real estate, the capital investment should be relatively large, right? Ma Zhongyi asked.

You can borrow money from the bank. However, according to my plan, in the early stage, we will mainly focus on hoarding land, with some upstream industry chains attached. Wait three or five years before starting to build housing. Li Weidong replied.

...

In the early days of reform and opening up, urban housing was relatively tight. In order to solve the housing problem of employees, the state also encouraged units to build their own houses, and then distributed them to employees in the form of welfare.

When I got up early, the welfare housing of the unit was also subsidized by the government. After all, the enterprises in that era were all state-owned enterprises, and their profits were handed over to the state. When building a house, they naturally had to ask the state for money.

After the income tax reform of state-owned enterprises, enterprises can keep a part of their profits, and welfare housing has also evolved into a large-scale enterprise, and the government will give certain subsidies; later, the enterprise will pay all the money, and the government will no longer give subsidies.

The unit raises its own funds to build welfare housing. At the very beginning, it is all paid by the company. After the house is built, the employees are divided according to a series of criteria such as grade, length of service, age, family size, housing availability, etc. The conditions of each unit Different, but generally still eat a big pot of rice.

Later, there was a form in which the employees contributed part of the funds and the unit contributed part of the funds, which is equivalent to the employees spending very little money to buy a house.

Some low-efficiency enterprises can’t make money, so they simply ask employees to pay the full amount. However, the full amount is mainly for construction costs, and the land is generally paid by the unit. Therefore, the cost of building a house is much lower than that of commercial housing, and it can still be regarded as a welfare. .

In 1998, the State Council decided to stop the distribution of welfare housing system that had been in place for more than 40 years, and to implement the monetization of housing distribution, that is, to allow everyone to buy commercial housing.

This policy was officially implemented on July 1, 1998. By 2000, all the welfare houses built before that had been allocated. After entering the 21st century, the house has become the biggest consumption of Chinese people's life.

Real estate has always been inseparable from finance. A house is so expensive, if you don't rely on loans, how can you afford it!

Therefore, as early as 1992, domestic banks started the business of personal housing loans. The first personal housing loan in China was issued by the Shanghai branch of China Construction Bank in May 1992.

In 1994, the Trial Measures for the Administration of Housing Guaranteed Loans was promulgated, and housing loans in China had a clear legal basis from that time on.

The Trial Measures for the Administration of Personal Housing Guaranteed Loans issued in 1997 set the maximum proportion of housing loans at 70%. At that time, the maximum loan period was 20 years. In 1999, it rose to 25 years, and then changed to 30 years.

In April 1998, the state officially launched the Administrative Measures for Personal Housing Loans, and since then personal housing loans have been fully opened.

However, at that time, for the vast majority of people, it was unacceptable to take out a loan to buy a house.

At that time, the Chinese did not have the concept of excessive consumption, and most people were still keen on saving. For ordinary people, it is unbelievable to spend the rest of their lives in advance to buy a house! Many people even think that going to the bank for a loan is a very humiliating thing.

Therefore, the people who handled the mortgage business in the early days were basically businessmen from the Jiangsu and Zhejiang generations. The daring personality of Jiangsu and Zhejiang people made them the first batch of housing slaves in China, and also allowed them to eat the first wave of benefits from commercial housing.

In addition to the constraints of traditional concepts, in the 1990s, the conditions for personal housing loans were much more stringent than they are now. With the loan standards at that time, it was difficult for ordinary people to obtain loans from banks.

For example, at that time, there was no housing provident fund system in China, but many units would provide housing subsidies to employees, and when banks were approving loans, they would consider whether the applicant has housing subsidies as an important factor in approving loans.

If the unit has housing subsidies, it is easier to apply for a housing loan, and if the unit does not have housing subsidies, it is more difficult to apply for a housing loan.

For another example, according to the regulations at the time, applying for a personal loan requires a guarantee from an entity or individual with the ability to repay, but when it is actually implemented, banks often only accept guarantees from entities, and ordinary entities are not enough. They must be government agencies, institutions, or state-owned enterprises. , the bank will approve. It is very difficult for employees of private enterprises to obtain loans.

In short, according to the standards at the time, most people could not apply for housing loans.

The state also realizes that the loan standard is relatively high, but it cannot directly lower the loan threshold to avoid the risk of credit, so in 2000, it issued the Housing Purchase Guarantee Management Measures to legalize the housing purchase guarantee company.

With the home purchase guarantee company, it becomes easier for ordinary people to apply for loans, which has successfully stimulated the entire housing loan market.

The most immediate effect is that the Wenzhou Real Estate Speculator Group was born in the second year of the Administrative Measures.

If there is no guarantee company and the qualifications for housing loans are still as strict as before, the Wenzhou Real Estate Speculator Group will not have so many resources to speculate in real estate.

Without real estate speculators, housing prices may not be cheap, but they will be more rational than they are now.

It is also since the implementation of the Administrative Measures that loans to buy houses have become more and more common, and China's real estate has also begun to develop rapidly, becoming a pillar industry of China's economy.

When we just entered the 21st century, the era of welfare housing has just ended, and domestic housing prices have not yet begun to rise wildly. Real estate can only be regarded as a good profit, not a huge profit.

Therefore, Li Weidong does not plan to build a building at this time. If he has the money, taking advantage of the cheap land, it will definitely be more profitable than building a building.

In addition, Li Weidong also took a fancy to another real estate-related industry, that is, the building materials industry.

In the next 20 years, with the rapid development of China's real estate industry, the building materials industry will also move forward bravely. As long as it is to build a house, various building materials must be used. The more prosperous the real estate is, the more the building materials industry will rise.

...

I just listened to Li Weidong and said: Next, I plan to build another ceramic products wholesale city.

Ceramic products? Ma Zhongyi thought about it and said, I think it's fine to build an ordinary market, there is no need to build a wholesale city! The market demand for that thing is not as good as clothes, and the profit is not as good as home appliances.

As for clothes, one or two pieces must be purchased almost every year, especially during the holidays. Who wouldn't buy a new piece of clothes. But porcelain such as bowls, plates, teacups, as long as they are not broken, generally will not be replaced. There are several large porcelain bowls in my house that have been used for more than ten years!

Where are you thinking? The ceramic products wholesale mall I want to build is not for selling bowls, dishes and cups. Only by selling bowls and dishes can I make some money. I plan to sell ceramic building materials!

Li Weidong paused, then said: Don't we have a lot of ceramic tile factories in Qinghe? Can't all inner wall tiles, outer wall tiles, floor tiles, and waterproof tiles be fired? We can just make use of this. A superior resource.

Moreover, burning tiles will also cause pollution, so developed countries are gradually phasing out this industry. We can just fill this industry and export tiles to foreign countries, and we will become an international wholesale mall in the future!

After the ceramic products wholesale mall is built, we will extend to other building materials, such as plates, hardware, paint, doors and windows, composite materials, etc., to build a large-scale building materials mall!

The demand for building materials is relatively large, so it is very suitable for wholesale.

And ceramic tile has a huge market in China, and also has a market in foreign countries. Compared with European and American countries, China's ceramic tiles are really of high quality and low price. After joining the WTO, Chinese ceramic tiles only took about five years to destroy the foreign ceramic tile industry.

Not only developed countries in Europe and the United States, even in countries such as the Philippines and India that are poorer than China, their ceramic tile enterprises have also been run on by Chinese ceramic tiles and have no food to eat.

So after 2008, China's ceramic tile industry has experienced several anti-dumping investigations every year.

After all, burning ceramic tiles is a high energy consumption, and there will be a certain amount of pollution. Later, the country rectified the pollution problem, and the small domestic ceramic tile factories basically closed down, and the low-end ceramic tile manufacturing industry migrated to India and Southeast Asia. are some branded companies.

Li Weidong intends to enter the field of building materials wholesale to lay the foundation for the development of real estate in the future, and there are many ceramic tile companies in Qinghe, so Li Weidong chose to use the ceramic products wholesale mall as the entry point.

Ma Zhongyi has been engaged in construction all these years, and he is relatively familiar with building materials. After a little thought, he understood Li Weidong's plan.

The demand for ceramic tiles is indeed quite large. Even if it is an ordinary building, at least two or three thousand square meters are used. We have the advantage of the origin, and the business of the ceramic tile wholesale market can be done.

Ma Zhongyi paused, then said, But the problem is that we have no money! It cost a lot of money to build this small appliance wholesale mall. The rent collected from the textile wholesale market this year, in addition to repaying the building materials dealer's payment for goods. , the rest have all repaid the bank loan, and now the mall management company has no money in the account.

Then take a loan from the bank! Li Weidong said.

I'm afraid this is a bit difficult. The loan of the small household appliance wholesale mall has not been repaid. I estimate that if I want to take a loan from the bank, at least it will have to wait until the small commodity wholesale mall is running normally and the bank will know that our project has the ability to repay. It was loaned to us. Ma Zhongyi said.

Li Weidong frowned. If the bank didn't give the loan, then the ceramic products wholesale mall really didn't have the funds to build it.

Before the country opened the price of coal and electricity, most of Li Weidong's funds were tied up in coal mines, including the equity of the dog group, which was mortgaged to the bank.

Beverly Engineering, Beverly Agricultural Machinery and Puppy Health have their own research and development projects, and they can't get extra funds.

Now Li Weidong is in the period of tightening his belt to live, and he really can't come up with a lot of money to build a wholesale mall for ceramic products. If he wants to do this project, he can only rely on bank loans.

We have to find a way to do it first! Li Weidong secretly said in his heart.

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