Official Immortal

It's no wonder that Zhou Xiaoyan is so confused. In these years, the real estate agent, except zhèngfǔ, is the one who asks the bank the most.

Moreover, the attitude of the real estate agent is much better than that of zhèngfǔ, and the benefits of handling people are many. However, there are certain risks in this. However, even if the money lent to zhèngfǔ is not repaid, 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 agents is rather indifferent. This is self-protection and a means of self-esteem. Anyway, if you don’t have money, you can’t afford to play real estate. Why should I give you a good face?

So Governor Zhou was surprised, what about the Provincial Science and Technology Commission? Yang Junji started to borrow money from me, I might find a reason to shirk it, the Provincial Science and Technology Commission... This can be really ignored.

"That piece of land is really good, and it's easy to sell if you build it," Li Ze explained to the leader with a heartfelt word, "The Provincial Science and Technology Commission is positioned as a mid-end residential building, and there will be no fewer people buying it."

"What kind of collateral?" Zhou Xiaoyan didn't listen to this and interrupted the other party seriously. Although she was only a branch president, this was the Asada branch, which was more than a little bit stronger than the other branch managers.

"There is no mortgage, but I have calculated their development costs and they are very low." Li did not want to rashly mention Chen Taizhong. If this kind of relationship is not known by others, then they should not be known by others. "I plan to work for employees. After solving a batch of houses, when their buildings are built, they can also give priority to loans, which has many benefits."

"You can support any developer with this kind of cooperation," Zhou Xiaoyan said coldly. There are more mortgages in the industry, which is of course a good thing, but the developers are more anxious about this matter than they do-they can't fix the mortgage and the house is not good. Sell.

After all, she still doubts Li Ze's motives. Why do you think that there will be no mistakes in the process of building this house?

In fact, she almost asked how much benefit your kid got.

"For the development of this land, Yangzhou Beichong wants to participate in the shares." Li Ze was forced to point out the important links. "In the afternoon, Beichong talents drove the people from the Municipal Construction Committee."

"Guys from the Municipal Construction Committee," Zhou Xiaoyan snorted disapprovingly. The people at the bank didn't show much respect for the Construction Committee, let alone fear. The people at the Construction Committee wanted to please the bank. They paid for the project and bought equipment. Begging to the bank with a smile.

Of course, banks won’t have to eat too much to support the real estate business. They will help the real estate business to coordinate and do what they do. Once they intervene in local affairs, they will easily fall into it. That is the rhythm of their own death.

Therefore, Governor Zhou has no interest in what happened to the city construction committee of Beichong people. Moreover, people who play real estate offend the construction committee. Whatever you look at it, you have to consider reducing points for loans.

However, the next moment, she reacted with a question, "You mean Chen Taizhong?"

In the banking industry of Hengbei, without knowing it, the names of Bei Chong and Chen Taizhong have quietly appeared in front of them. Bei Chong is a fast-growing county, and the potential can be seen with the naked eye. There is a big project. One by one on the ground.

But in this land with huge business opportunities, the major banks have not received much benefit, that is, the Beichong Credit Cooperative and the Agricultural Bank of China, because they have issued a large number of small loans, they are full of food.

Big banks can’t afford this piece. Loans of tens of thousands of tens of thousands have to be screened and verified. Even if they are busy, how much money can they make?

The big banks want to do big projects, but the big projects in Beichong are all the money they find on their own. Even if you want to get a loan, it is not rare for them to take money directly from abroad, Hong Kong and Hong Kong, without looking straight ahead. Check out the bank.

But the more so, the more banks want to intervene. This is originally a red-top-white industry. Zhou Xiaoyan heard from the president of Yangzhou branch and said that if he could win Beichong, Yangzhou Bank of China would not have to worry in three years. .

"Yes, Chen Taizhong was present in the afternoon," Li Ze answered cautiously, "He will be there at night, and Bei Chong will occupy 10 to 20% of the shares in this land... It depends on how he talks to Mu Hua. Up."

"So little?" Zhou Xiaoyan frowned subconsciously.

"Chen Taizhong is a person who pursues perfection. As long as he invests in things, he is not allowed to fail," Mr. Li pointed out Chen Taizhong, but he was absolutely impossible to say about the Mengyi factor. "Besides, there are many business opportunities in Beichong."

"Well, then I'll meet with Director Mu," Zhou Xiaoyan was finally moved. In real estate development, such a large proportion of loans are absolutely illegal, and it is a loan from a single bank that will definitely not pass the risk assessment.

However, many projects are greatly affected by human factors, especially the developer is also a subsidiary of the Provincial Science and Technology Commission. With its own background in zhèngfǔ, coupled with Chen Taizhong's outstanding reputation, Governor Zhou was finally moved.

In the evening, Mu Hua, the boss of the Provincial Science and Technology Commission, presented a wine and hosted a banquet for Chen Taizhong and Zhou Xiaoyan. The guests were accompanied by Yuan Tao, Meng Zhixin, and Li Ze. Other leaders of the Science and Technology Commission came to toast.

I don't know why, when Chen Taizhong saw the toasting cadre, he actually remembered that when Gao Shengli was the director of the Communications Department, he went to the director's private room to eat, and cadres of all sizes came in to toast in turns.

When Mu Hua retires, will Hengbei Science and Technology Committee continue to be so aggressive? In the heart of the young secretary, there was a sense of sorrow, but the next moment, he left the entanglement behind: the buddy is not the Virgin, there is no need to be so idle.

As usual, business affairs are not discussed at the wine table, but banks generally don't care about this. After a while of eating and drinking, President Zhou took the initiative to ask questions, saying that your project is a bit difficult-can't you raise some funds yourself?

Insufficient funds, isn't there your bank? Mu Hua asked with a smile, and then directly said that if the Bank of China can extend a helping hand this time, the Provincial Science and Technology Commission will definitely keep it in mind, and the future cooperation partners will still grow.

This is the style of Mr. Mu's work. There is one saying one and two saying two, and he will not cover up his difficulties for the sake of face, and it has a taste of everything to say to others.

It is precisely because of this that his promise of "collaboration in the future" sounds more credible, unlike some people who say what to do in order to achieve their goals, but there is no future.

Can we recommend others to buy shares? Although Zhou Xiaoyan is a woman, she speaks quite directly-this is also to reduce our operational risks.

This is impossible. Mu Hua shook his head flat and refused. Bei Chong took a stake. He was slightly able to accept it. The subject over there was also a zhèngfǔ. He couldn't bear it if other people came to share the pie.

But it’s hard for your clever woman to cook without rice. Governor Zhou still tried his best to suggest: I can recommend a strong partner to you. People will not interfere in the operation of the company. You only need to give them what they should earn—at most. Send an accountant to look at the books. If you are interested, I will introduce people to you and talk with you.

This kind of cooperation made Chen Taizhong a little curious, "Where do these people's money come from?"

"Some people are waiting for rice to be cooked, and some people are looking for projects with money," Governor Zhou replied solemnly, "the bank has a considerable advantage in this kind of information."

"Do you make this match to earn referral fees?" Chen Taizhong's question was purely about which pot was opened and which pot was specifically mentioned.

"Just helping a friend," Governor Zhou almost made him feel a little unwilling to ask. This kind of introduction can be thought of with the heel. The person introduced in the middle is bound to be beneficial-maybe it is both sides.

However, since she dared to raise the matter in front of so many people, she must be reassuring, "I introduced this way, first to help friends, and secondly to optimize your capital structure. Fundamentally speaking, it is to reduce our Loan risk."

Having said that, Zhou Xiaoyan glanced at Li Ze, "President Li can explain this to you."

Director Li thought about it for a moment and nodded, "President Zhou is right. Now many people are looking for projects with money. I also have two friends with 70 to 80 million. One is selling health products and the other is Those who are engaged in small iron factories, the market is not good, they are looking for new breakthroughs."

Hearing what he said, Zhou Xingchang glanced at him lightly without any expression on his face.

However, Chen Taizhong noticed this look, and suddenly a bit of speculation arose in his heart: Don't you make a clever name, let your own people borrow the money, and then invest the money again to become a shareholder of the company?

The so-called white wolf with empty gloves is like this. You only need to pay the loan interest when you get a loan from the bank, and then invest in those really profitable big projects, earning excess profits. The difference is enough to make people rich.

Take the construction site of the Provincial Science and Technology Commission as an example. If someone borrows 100 million yuan and invests in shares, the loan cost is calculated at an annual interest rate of 10%. After five years, even the principal and interest will be paid back 150 million yuan.

However, one hundred million invested in this construction site ~www.wuxiaspot.com~ After five years, the development will be completed. At least three hundred and five hundred million yuan can be earned. Throwing all costs away, making a hundred million yuan is not a big problem-you know, investors don't have a point. ’S principal investment.

Of course, to play this game without investing capital, you have to invest in connections and power, which is the so-called power rent-seeking.

And this kind of investor is introduced by the bank through the needle, not to mention the greatly increased credibility, and also greatly avoided the possibility of debt repayment.

Moreover, the bank emphasized that this is to optimize the capital structure and reduce loan risks. This reason is really reasonable.

All in all, it means bullying the borrower who has no money, and no matter how good the project is, it won't be worthwhile—no matter how crooked you are, I won't lend you.

Of course, these causes and effects were made up by Chen Taizhong, and he was not sure whether the truth was so, but he was used to seeing all kinds of ghosts and people, and he didn't think that he guessed that way, there was nothing wrong-especially when Governor Zhou looked at Governor Li. At a glance.

Thinking of this, he glanced at Mu Hua faintly, wanting to see if Lao Mu noticed this scene, but found that Lao Mu was peeling a shrimp and slowly stuffing it into his mouth... (To be continued.)