My Strength Does Not Allow Me to Low-key

Li Danni was overjoyed when she received Xiao Feng's call. As a credit officer of a bank, the domestic real economy has been getting worse and worse in recent years, and she is also under the pressure of annual performance.

The bank she works for is Binhai Commercial Bank, a local commercial bank in Bincheng. It has been in business for decades and has a fairly deep foundation. Downhill, recently, in order to develop more high-quality customers, her worrying hair has turned gray a lot.

After the class reunion, she found out that her old classmate was actually the owner of the famous chef production in Bincheng, which made her very happy, but the thought of turning the famous chef production into her client gave her a headache. endlessly.

The operating conditions of Celebrity Chef Manufacturing are well known to the entire banking industry in Bincheng. Their seven branches are absolute cash cows, with a daily net profit of more than 10,000. Including the net profit of the flagship store, the daily net profit It can reach 100,000 yuan, and there will be a net profit of more than 3 million yuan in a month.

I don’t know how many banks are staring at such an enterprise. In fact, for banks, this enterprise is not large in scale. It is not an asset-heavy enterprise, and it is engaged in catering. Banks are not qualified enough to be seen by others.

But the cash flow of this company is really impressive, and the profitability is even more terrifying!

Banks are the industry most closely related to the real economy. The account managers of each bank have to visit many companies every year. To be honest, they can't understand the virtues of those companies now.

Many enterprises seem to have a large plate, billions of assets, tens of thousands of employees, and a single transaction is often calculated in units of hundreds of millions. The profits are only tens of millions, or even millions. If you exclude all kinds of IOUs and accounts receivable that will not be returned, there are only a few million working capital in the enterprise's account.

Such a company may seem like a big deal, but compared with an unremarkable catering company like Celebrity Chef Manufacturing, it's really nothing.

If you compare several key data such as return on assets, cash turnover rate, net profit margin, current ratio, quick ratio, etc., these seemingly good-looking companies are beaten by famous chefs every minute ! ! !

A famous chef makes just a few fast food restaurants, and the annual profit can exceed 36 million. This is a net profit! What if we want to launch nationwide investment promotion in the future? That year's net profit of more than 100 million is appropriate!

Look at those Internet companies that claim to be high-end, such as a certain drop, a certain group, the valuation is several million dollars, but have they made a profit? Still burning money!

People in banks are not stupid,

Instead of dealing with those flashy companies, they prefer to deal with cash cows like celebrity chefs. After all, the benefits that such companies can bring are real.

So when Li Danni learned that Xiao Feng wanted a loan this time, she immediately contacted the president of her bank, and the president surnamed Feng immediately decided to meet Xiao Feng in person at night.

Originally, Xiao Feng planned to treat guests to dinner, but unexpectedly, President Feng of the Binhai Commercial Bank urged them to treat them, and the place to eat was set at the top high-end hotel in Bincheng, Shanghai Huafu!

Located on Longtou Mountain, Shanghai Huafu was originally a high-end private club. In recent years, the state has severely cracked down on eating and drinking. This private club could not continue to operate, so it was taken over by Binhai Bank and became its asset, specializing in entertaining high-end customers from the bank.

When Xiao Feng arrived at Shanghai Washington, he couldn't help being surprised. This restaurant is located on Longtou Mountain in the southern suburbs of Bincheng.

If it wasn't for the treat this time, he wouldn't even know that there is such a high-end restaurant in Bincheng.

As soon as he parked the car, he saw Li Danni who had been waiting in the parking lot. Li Danni was married, and she was a plump and handsome Huaxin young woman. It was not like Xiao Feng had never beaten someone when he was in school. idea.

But later, he learned that his family had worked in the banking system in Bincheng for several generations, and his family background was very superior, so he backed down. After all, he was very clear about how much he weighed.

Later, each of them went to a different university. After graduating from university, he went to work in Beidiao, while Li Danni directly entered a local commercial bank according to the arrangement of his family, and everything went smoothly.

The two exchanged a few simple greetings, and Li Danni led him into the private room that had been reserved long ago. In a large bag of more than 40 square meters, President Feng had already been waiting there with his secretary. President Feng was a middle-aged man with a Mediterranean haircut. He laughed before saying anything, and was very polite to Xiao Feng. Although he was a little unphotogenic, his attitude made Xiao Feng very comfortable.

According to the rules, the businessmen chatted with each other for a while, and then each sat down. President Feng waved his hand and began to serve the dishes.

All kinds of delicacies from mountains and seas were brought up like flowing water, and then everyone chatted with each other. President Feng and the others were not in a hurry to speak, but kept trying to make friends with Xiao Feng. What they said and said were some local news in Bincheng, or some The current political news, coupled with the secretary and Li Danni's gags from time to time, made the atmosphere of the banquet relaxed.

Xiao Feng also knew that these people must be waiting for him to speak, so he simply told President Feng about his need for this loan without going around the corner.

This President Feng is really very straightforward, with a big wave of his hand: "Let Xiao Li and the others visit your company tomorrow and do a due diligence on the company. You don't need to worry about the feasible plan, Mr. Xiao, let Xiao Li and the others write everything, as soon as possible In one week, two weeks at the earliest, I can approve the payment for you. In terms of interest rate, I will give you a flat rate, what do you think?"

Xiao Feng raised his eyebrows. President Feng is really generous. It seems that he and the famous chef really valued the creation.

Due diligence from the bank to the enterprise is a necessary process, and there is also a project feasibility report, which is usually provided by the enterprise, but they actually prepare it by themselves, and it seems that they go through a process, which saves them a lot trouble.

The most important thing is that the interest rate is flattened according to the national benchmark, which is enough to show people's sincerity. You must know that Binhai Commercial Bank is not one of the five state-owned banks. As a commercial bank, their lending interest rate is generally 3% above the national benchmark interest rate Ten to fifty.