The fourth thousand three hundred and eighty-two chapters of the president
No wonder Zhou Xiaoyan is so confused. These days, apart from the government, the people who seek the most help from banks are real estate developers.
Moreover, the attitude of real estate developers is much better than that of the government, and there are many benefits in handling people. However, there are certain risks involved. However, even if the government does not repay the money lent to the government, the responsibility of the relevant person in charge will be much smaller.
It is precisely because of this that the bank's attitude towards real estate developers is very indifferent. This is self-protection and a way to increase one's worth - anyway, if you don't have money, you can't afford real estate, so why should I give you a good look?
So President Zhou was very surprised. What about the Provincial Science and Technology Commission? When Yang Junji asked me to borrow money, I might have to find an excuse to shirk it. The Provincial Science and Technology Commission... I can really ignore this.
"That piece of land is really good, and it will be easy to sell when you build a building," Li Ze explained to the leader earnestly. "The Provincial Science and Technology Commission has positioned it as a mid-range residential building, and there will be many people buying it."
"What's the mortgage?" Zhou Xiaoyan didn't listen to this and interrupted the other party seriously. Although she was only a branch president, this was the Chaotian branch, and she was more than a little bit better than the presidents of other branches.
"There is no mortgage, but I have calculated their development costs, and they are very low." Li Ze did not want to mention Chen Taizhong rashly. If this kind of relationship can be kept hidden from others, then it is better not to be known by others. "I plan to pay for the employees
We can buy a group of houses, and when their buildings are built, they can also get priority loans, which has many benefits."
"This kind of cooperation can be found with any developer you support," Zhou Xiaoyan said coldly. It is certainly a good thing that there are more housing loans in the industry, but the developers are more anxious about this matter than they are - they can't get the housing loan and the house is not good.
Sell.
After all, she still doubted Li Ze's motives. Why do you think there won't be any mistakes in the construction of this house?
In fact, she almost asked you how much benefit you got.
"Yangzhou Beichong wants to take a stake in the development of this land," Li Ze was forced to have no choice but to point out the important links, "In the afternoon, Beichong people kicked out the people from the Municipal Construction Committee."
"These guys from the Municipal Construction Committee," Zhou Xiaoyan snorted disapprovingly. The people in the bank didn't have much respect for the Construction Committee, let alone fear. It was the people from the Construction Committee who wanted to please the bank. They advanced funds for projects, bought equipment and so on.
You have to go to the bank with a smile on your face.
Of course, banks will not take too much to support real estate developers, and they will do whatever they want. Once they get involved in local affairs, it is easy to get trapped, and that is the rhythm of their own death.
Therefore, Governor Zhou really has no interest in knowing what happened to the Beichong people and the Municipal Construction Committee. Moreover, the real estate people have offended the Construction Committee. No matter how you look at it, the loan points must also be reduced.
However, the next moment, she reacted with a question, "Are you talking about Chen Taizhong?"
In the banking industry in Hengbei, the names of Beichong and Chen Taizhong have quietly appeared in front of them before they knew it. Beichong is a rapidly developing county, and the potential can be seen with the naked eye. A large project
One after another on the ground.
However, in this land with huge business opportunities, the major banks have not received much benefit, that is, Beichong Credit Union and Agricultural Bank of China, because they have issued a large number of small loans and are full of money.
This is something that big banks can't afford. For loans worth tens of millions, they still need to screen and verify various situations. Even if they are extremely busy, how much money can they make?
What major banks want to do is big projects, but the big projects in Beichong are all funded by people themselves. Even if you want a loan, they don't care about it - they take money directly from abroad and Hong Kong without taking it seriously.
Go to the bank.
But the more this happened, the more the banks wanted to get involved. This was originally an industry where everyone had a red top and a white top. Zhou Xiaoyan heard the president of the Yangzhou branch lament that if he could win Beichong, Yangzhou Bank of China would not have to worry about it in three years.
.
"Yes, Chen Taizhong will be there in the afternoon," Li Ze answered cautiously, "He will also be there in the evening. Beichong will occupy ten to twenty percent of this land... It depends on how he talks to Mu Hua.
Already."
"So much?" Zhou Xiaoyan frowned subconsciously.
"Chen Taizhong is a person who pursues perfection. As long as he invests in something, he is not allowed to fail." President Li pointed out Chen Taizhong, but it was absolutely impossible for him to mention the factors of Meng Yi. "And there are... many business opportunities in Beichong."
"Well, then I'll go see Director Mu," Zhou Xiaoyan was finally moved. In real estate development, such a large proportion of loans is absolutely illegal, and it is a loan from a single bank, and the risk assessment will never pass.
However, many projects are greatly affected by human factors. In particular, this developer is also a subsidiary of the Provincial Science and Technology Commission and has a government background. Coupled with Chen Taizhong's outstanding reputation, President Zhou was finally moved.
That evening, Mu Hua, the boss of the Provincial Science and Technology Commission, hosted a banquet for Chen Taizhong and Zhou Xiaoyan, accompanied by Yuan Tao, Meng Zhixin, Li Ze and others. During the banquet, other leaders of the Science and Technology Commission came to toast.
For some reason, when Chen Taizhong saw the cadres toasting, he actually remembered that when Gao Shengli was the director of the Department of Transportation, he went to eat in the director's private room, and cadres of all sizes came in and took turns toasting.
When Mu Hua retires, will the Hengbei Science and Technology Commission still be so aggressive? The young secretary actually felt a trace of sadness in his heart, but the next moment, he put this entanglement behind him: Brother, it’s not
Holy Mother, there is no need to be so idle.
As a rule, serious business is not discussed at the wine table, but banks usually don't care about this. After eating, drinking and chatting for a while, President Zhou took the initiative to ask, saying that your project is a bit difficult - can't you raise some funds by yourself?
If the funds are insufficient, isn't it your bank? Mu Hua asked with a smile, and then said directly that if the Bank of China can lend a helping hand this time, the Provincial Science and Technology Commission will definitely keep it in mind, and there will be many days of cooperation in the future.
This is Boss Mu's style of doing things. He says one thing and another, and he won't hide his family's difficulties just for the sake of face. It feels like he can talk to others about everything.
Precisely because of this, his promise of "cooperating in the future" sounds more credible, unlike some people who say what they will do in the future in order to achieve their goals, but there is no future.
Can we recommend others to invest in shares? Although Zhou Xiaoyan is a woman, she speaks very directly - this is also to reduce our operational risks.
This was impossible. Mu Hua categorically shook his head and refused. He could accept Beichong's shareholding, but the main body there was also a government. He would definitely not be able to bear it if others wanted to take a share of the pie.
But it’s hard for a clever woman to make a meal without straw, so President Zhou still tried his best to suggest: I can recommend you a strong partner who will not interfere with the company’s operations. You only need to give them what they deserve to earn - at most,
Send an accountant over to look at the books. If you are interested, I will introduce someone to you and you two can talk.
This kind of cooperation made Chen Taizhong a little curious, "Where do these people get their money?"
"Some people are waiting for the rice to be cooked, while others are looking for projects with money," President Zhou replied seriously, "Banks have considerable advantages in this kind of information."
"Are you trying to make a match like this to earn an introduction fee?" Chen Taizhong's question was purely about which pot he didn't want to open.
"I'm just doing a favor for a friend," President Zhou asked, which almost made him a little confused. With this kind of introduction, anyone could imagine that there would be benefits for the person being introduced in the middle - maybe both sides would get benefits.
However, since she dared to mention this matter in front of so many people, she must have something to rely on, "I introduced it this way, firstly, to help my friends, and secondly, to optimize your capital structure. Fundamentally speaking, it is to reduce our
Loan risk.”
Having said this, Zhou Xiaoyan glanced at Li Ze and said, "President Li can explain this to you."
Director Li thought for a moment and nodded, "President Zhou is right. Nowadays, many people are looking for projects with money. I also have two friends in my hands, both worth 70 to 80 million. One is selling health care products, and the other is
Those who operate small ironworks are looking for new breakthroughs because the market is bad."
After hearing what he said, President Zhou looked at him indifferently, with no expression on his face.
Chen Taizhong noticed this, and he suddenly made a guess in his heart: Why don't you just create a name and let your people lend the money, and then invest the money to become a shareholder of the company?
The so-called white wolf with nothing is like this. You only need to pay interest on the loan when you get a loan from the bank, and then invest in those big projects that are truly profitable, and earn excess profits.
The difference is enough to make someone rich.
Take the construction site of the Provincial Science and Technology Commission as an example. If someone takes a loan of 100 million and invests it in shares, the loan cost will be calculated at an annual interest rate of 10%. After five years, it will be enough to repay the principal with interest of 150 million.
However, if a RMB 100 million is invested in this construction site and it is completed in five years, the income will be at least RMB 350 million or more. After all expenses are thrown away, it is not a big problem to earn hundreds of millions - you must know that the investors have not invested a single cent of their capital.
Of course, you don’t invest any capital to play this game, but you do need to invest in connections and power. This is the so-called power rent-seeking.
And this kind of investor is introduced by the bank, which greatly increases the credibility and greatly avoids the possibility of defaulting on the loan.
Moreover, the bank emphasizes that this is to optimize the capital structure and reduce loan risks. This reason is really reasonable.
To put it bluntly, it's just bullying the lender who has no money, so no matter how good the project is, it will be in vain - no matter how crooked you are, I won't lend to you.
Of course, these causes and effects were imagined by Chen Taizhong, and he was not sure whether the truth was true. However, he was used to seeing all kinds of evil deeds in people's minds. He didn't think there was anything wrong with his guess - especially when Governor Zhou looked at Governor Li.
One glance.
Thinking of this, he glanced at Mu Hua indifferently, wanting to see if Old Mu had noticed this scene, but found that Boss Mu was peeling off a shrimp and slowly stuffing it into his mouth... (To be continued. Please search Piao Piao