Inherit For Three Thousand Years

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According to the survey, Taizheng Group's account opening bank is Universal Bank, and Taizheng Group has the most loans in Universal Bank.

As the saying goes, hitting a snake and hitting seven inches, as long as the loan from the Universe Bank is cut off, the matter will be half successful.

Xiao Yao asked Zhu Xifan to call Lu Zixuan from the Universe Walk, and made an appointment to meet at the coffee shop the next morning.

Lu Zixuan arrived a few minutes earlier, and when Xiao Yao arrived, Lu Zixuan was already waiting at the door.

Seeing Xiao Yao get off the car, Lu Zixuan took the initiative to meet him and greeted him respectfully, "Hi, Dong Xiao, I am Lu Zixuan, and I have long been looking forward to your coming to our branch to inspect the work. I can see you in Jinling You, it is my honor."

Lu Zixuan is the president of the Cosmos Bank branch. Although he saw Xiao Yao for the first time today, he still knows a little about Xiao Yao.

As a bigwig in the financial industry, Xiao Yao's other industries and identities have nothing to do with him, but Xiao Yao is also one of the directors of Cosmos Bank, and he is also a director who holds 7% of the shares. This status makes him have to pay attention .

Xiao Yao has never attended the board of directors of Cosmic Bank, and other people vote on his behalf. Even for people at Lu Zixuan's level, his identity seems very mysterious.

According to the public information, the 7% of the shares are under the name of Swire Investment. Originally, Lu Zixuan did not know that the chairman of Swire Investment was Xiao Yao.

But yesterday when Zhu Xifan made an appointment with him on the phone, he specifically named Xiao Yao as the chairman of Swire Investment and also the director of their universe company.

When he heard the news for the first time yesterday, he was a little apprehensive.

As the director of Cosmic Bank, although Xiao Yao cannot decide whether he will stay or not, he has a great right to speak, which is beyond doubt.

If Xiao Yao had any opinion on him, once he raised it at the board meeting, even if he couldn't be dismissed immediately, at least it would be enough for him to drink a pot.

This rather mysterious director met him suddenly, and it was still in the cafe, not to inspect, which made him a little confused for a while, and he didn't know what Xiao Yao's intention of meeting him was.

After a brief greeting, the two walked into the coffee shop.

Xiao Yao had already asked Zhu Xifan to reserve a box in the coffee shop in advance, and the two sat down in the box,

After each ordered coffee, Xiao Yao asked directly: "I want to know how much Dazheng Group's loans in Universe Bank are in total? When are they due?"

Dazheng Group has always been one of the important customers of the bank. The two parties have cooperated for many years, and the relationship has always been maintained. There are 64.5 billion yuan, of which 3 billion yuan will be due before the end of this month, 5 billion yuan will be due within two months, and about 10 billion yuan will be due within half a year. The longest other loans are It expires within two years, and for each transaction, I need to go back and check the information before reporting to you."

"Apart from Universal Bank, do you know which banks the Dazheng Group has loans in?" Xiao Yao continued to ask.

"As far as I know, Dazheng Group has about 20 billion yuan in loans from Huahui Bank, and about 15 billion yuan in loans from China Construction Bank. Dazheng Group has devoted itself to foreign development in the past two years and has invested heavily in mining. The bank also has some loans, but I don't know the exact amount."

Dazheng Group is the private enterprise with the highest market value in the province, and it is also one of the most important customers in the Universe Province. Lu Zixuan has a clear understanding of all aspects of Dazheng Group.

"In this way, the debt ratio of Taizheng Group is about 50%, and the financial situation is still healthy."

"Yes, the development of Dazheng Group has been growing steadily in the past few years, especially after Dazheng Group entered overseas in the past two years, it has now initially possessed the strength of a multinational enterprise."

Xiao Yao never revealed his intentions, and Lu Zixuan could only follow his tone. But before knowing Xiao Yao's real intentions, he has always been more cautious in speaking, just discussing the facts, and he deliberately avoided those words with obvious tendencies.

Not counting the overseas part, the market value of Dazheng Group's domestic assets is about 200 billion. If Lu Zixuan's loan amount is accurate, the loan amount of about 100 billion is exactly half of the market value.

Moreover, Volkswagen Group's loans are mainly concentrated in Universal Bank and Huahui Bank, which are precisely the two major banks that Xiao Yao can influence, which greatly facilitates Xiao Yao's next operations.

After understanding the basic situation, Xiao Yao continued: "It seems that you still pay more attention to the development of Dazheng Group, but what you see is only the appearance of Dazheng Group. You may not know that Dazheng Group has encountered difficulties in its operations. It is a huge trouble, the bankruptcy crisis is imminent, and the longest time will not exceed half a year. If the Taizheng Group does not respond properly, it may declare bankruptcy within two or three months."

After hearing Xiao Yao's words, Lu Zixuan was shocked.

With Xiao Yao's identity, he definitely wouldn't talk nonsense and say some groundless things. Since Xiao Yao is so sure that the Dazheng Group will go bankrupt soon, it means that the Dazheng Group must have encountered a huge business crisis.

What are banks most afraid of? Of course, the most fearful thing is that the loans issued will not be recovered.

If the Dazheng Group maintains a stable operation, Lu Zixuan even hopes that the Dazheng Group will increase the loan amount. But if the operation of the Dazheng Group encounters a crisis, then the first thing Lu Zixuan has to do is to find a way to recover the loan as soon as possible.

If the loan of more than 60 billion cannot be recovered, even if it is partially recovered, he will never even think about being the president of the bank.

Lu Zixuan asked solemnly: "Dong Xiao, I don't know if you have any inside information, can you tell me in detail?"

"Let me first tell you a piece of news. Hong Kong Island Fenghui Bank has added Dazheng Group to the cooperation blacklist, and is trying to step up the collection of Dazheng Group's 1.3 billion loan from Fenghui Bank."

Dazheng Group was included in the cooperation blacklist by Fenghui Bank. It seems that the problem is not as serious as usual. Lu Zixuan said: "Could it be that there is something wrong with the overseas development of Dazheng Group?"

It's normal for him to have such thoughts. With the background of Fenghui Bank, it is definitely easier to get some international inside information than their Universe Bank.

Dazheng Group's domestic operations have always been stable, and there will never be a sudden crisis of bankruptcy. He is very sure of this. If there is a risk, it must come from the overseas investment of the Taizheng Group.

Xiao Yao nodded, "You guessed right, it is indeed a problem with the mining company invested by the Dazheng Group overseas, and it is a very serious problem."

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