My Strength Does Not Allow Me to Low-key

Binhai Bank was originally a small local bank with an asset scale of only tens of billions. Although President Feng was the head of a sub-branch, it was already his limit to be able to mobilize one billion.

But the reason why he agreed to Xiao Feng was entirely because the company made by famous chefs was too dazzling and high-quality.

What's more, for this loan, what they want to buy are two buildings in the most popular square area of ​​Bincheng. Although these two buildings have a mediocre reputation before, the banker still cares about this?

Any real estate with a real estate capital is a high-quality asset for most banks. Even if Xiao Feng does not use the assets made by celebrity chefs as collateral, as long as he mortgages these two buildings, it is enough.

What is the bank's favorite collateral? Isn't this kind of fixed asset your favorite? Especially fixed assets in good locations are definitely the most risk-resistant hard currency in the eyes of banks.

Although the current domestic real estate market is not in a good mood, real estate in good land is still one of the best anti-risk tools in the eyes of banks!

As for the shares made by famous chefs, it's not that President Feng has never thought about it, but it's okay to think about it. He reckoned that if he came up with this idea, Xiao Feng would definitely withdraw it immediately.

Without Feng Butcher, Xiao Feng could still eat hairless pigs.

So one billion, one of the Twin Towers can be used as a mortgage, or a quarter of the floor can be divided from it. This project is absolutely feasible.

As for interest rates? Considering the current and future long-term cooperative relationship with Celebrity Chef Manufacturing, it is enough to lower the base rate by 30%.

It's not that President Feng is high-spirited and doesn't want to make money. The amount of this loan is really too big, one billion. Even if the base interest rate is reduced by 30%, plus the handling fee, it is enough for them to make a lot of money. that's it.

After all, a high-quality enterprise such as celebrity chef manufacturing has too much bargaining power in front of banks and financial institutions.

If you don’t give them enough discounts on interest rates, other banks will rob you of your business in minutes.

For President Feng, one billion is already the limit of his authority, but for those large state-owned banks, or foreign banks, or financial institutions, they have the strength to spend 20 yuan at a time. 100 million, would not give soup to others at all.

Besides, if you don’t give them preferential interest rates, others will naturally give them. After all, no bank is willing to miss such a high-quality company as Celebrity Chef Manufacturing.

If we can handle the relationship with the famous chef this time, there will be a lot of room for cooperation in the future.

Xiao Feng has already said that after the next year there will be a second investment promotion conference to attract 1,000 merchants across the country. According to their previous franchise fee standard of 2 million franchise fees, 1,000 merchants will be 20 frankly. Billion.

There are other messy advertising costs, decoration costs, and after the successful joining of the thousand stores, what about the cost of cooking bags imported from the celebrity chef manufacturing factory every day?

This celebrity chef manufacturing company can become a five billion yuan enterprise in one leap. It hasn't been listed yet. If it goes public, it will explode in no time!

This is also the main reason why Celebrity Chef Manufacturing has strong bargaining power in the financial market. If President Feng is not a fool, he will naturally understand the meaning of Xiao Feng's words.

So let alone a 30% reduction in the benchmark interest rate, he is willing to go even a 50% reduction.

Anyway, it is absolutely impossible for the bank to lose money, not counting the interest rate. If this sum is made, the result of the handling fee alone can make President Feng rise to three levels in a row.

President Feng frantically called his superiors to report on his work. After all, with his authority, although he could approve a one billion loan, it was just a verbal agreement.

Once such a large amount of loan is really going to happen, it is necessary to communicate with the superior and hold a risk review meeting.

So he must notify his superior at this time, and reach a consensus with his immediate superior, and at his level, his immediate superior, of course, is already at the level of the bank's major shareholder.

The matter of approving loans is actually a matter of communicating with each other among several major shareholders.

Xiao Feng was not in a hurry. He came to the floor-to-ceiling windows of President Feng's office and looked at the Twin Towers in the distance.

The plan he mentioned to President Feng before is not false. These two buildings, with three floors underground and a podium in the middle, can indeed be fully utilized.

The two buildings are 60-storey high, one of which he plans to use as the headquarters of the famous chef manufacturing group, and a part of it is set aside as a hotel, and a commercial complex is built on the podium side, and another flagship store will be opened.

As for the other building, it will be 'leased' to the Ninth Laboratory as a scientific research and production base. Anyway, like that kind of high-end cosmetics, in the current small-scale situation, it does not need a large place to be a factory. The environmental requirements are relatively high.

We will talk about medicines and other things in the future, and see if we can find another place to build a factory, mainly to see if the production process developed by He Xiaojun and the others will produce a large amount of polluted wastewater.

If not, then there is no need to find other places. If so, then it is really necessary to find another place to build a factory.

But the R\u0026D center will definitely be here, and downstairs, he will leave 20 floors vacant for Guan Zhenhai's burn and plastic surgery hospital.

Of course, for President Feng and the others, he doesn't want to disclose the news of the Ninth Laboratory to them. It is more appropriate to be the boss behind the scenes quietly.

President Feng came back soon after making the phone call. His face was flushed, and it was obvious that he had communicated well with his superiors.

"Mr. Xiao, Yu Dong from our bank happens to be free today. He is in Bincheng. He has heard about your reputation a long time ago. He wants to meet with you today. Is it convenient for you?"

After all, one billion is not a small amount. The boss behind President Feng certainly wanted to see Xiao Feng, and Xiao Feng certainly would not refuse. . .

At this moment when Xiao Feng was socializing with President Feng, the entire financial circle in Bincheng seemed to have heard this rumor. After all, there is no impenetrable wall in the world.

These financial people are especially keen on news. Many banks and financial institutions, after learning that the famous chef wants to buy the Twin Towers and urgently needs financing and loans, immediately feel like sharks smelling blood, crazy let's move.

Some credit managers almost broke the threshold of the flagship store made by Celebrity Chef directly. The instructions given to them by their superiors are that they must see the person in charge of Celebrity Chef Manufacturing. inside.

And Zhou Jing and Xiao Lin's phone was directly off the hook, Zhou Jing didn't even dare to show up in the store, and could only cruise back and forth between several branches, directing the normal operation of the store by telephone remote control.

At the same time, on the top floor of the Guohui Center Building in the center of Bincheng City, several middle-aged men were sipping cigars and drinking red wine while looking at the scenery downstairs.

"Oh, Mr. Ma, I really have no luck enjoying your cigars. I really can't get used to smoking them. I'm sorry."

One of the middle-aged greasy-headed men took two puffs of cigars, quickly put the cigars out in the ashtray, then took out a pack of cigarettes from his breast pocket, took out one, lit it for himself, and smoked hard After taking a sip, he closed his eyes with an expression of enjoyment, and it took a while to spit out a smoke ring.

"Hey, I still like this a little more."

"Haha, well, you can try this again."

On the other side, the tall and fat President Ma with gold-rimmed glasses pulled out a pair of white cigarettes without packaging or any logo from the cabinet behind him and handed it to the middle-aged oily man.

The greasy-headed man's eyes lit up when he saw this 'white smoke': "Mr. Ma, you can get all of this?"

"Haha, little meaning, let's not talk about this. Old He, have you heard about the matter made by the famous chef?"

As soon as Mr. Ma opened his mouth, the oily man who had just reached out to pick up the cigarette immediately paused, then took the cigarette with a smile, opened it, took out one, and lit it for himself.

"I've heard that the most news I've heard in the past few days is that they want to finance the purchase of the building. I've asked someone to inquire with the management committee. According to the information I've received so far, this matter should be true. "

"Hehe, don't you have any ideas? I heard that the stunned young man made you lose face last time!"

Mr. Ma sat on the executive chair, turned around, looked at the oily man with a half smile and said, this oily man is He Yukun from Yingyue International who had contact with Xiao Feng before.

Hearing Mr. Ma's question, the expression on He Yukun's face froze, and a hint of ruthlessness flashed across his smiling face.

"How can you have no idea? This is a good opportunity! Mr. Ma, we all know that the group has been looking for high-quality projects for more than a year. It is not a day or two that we have been eyeing this celebrity chef. Now they have just Starting off is also a good time for us to do it, wait for a while, they are growing stronger, and we will not have such a good opportunity if we want to do it again!"

"Well, on this point, I agree with you. Come and tell me, what are you going to do this time?"

"Hey, this one, I plan this time..."

A conspiracy against famous chefs and against Xiao Feng was quietly formed in this office.

At the same time, Xiao Feng had just returned to the winery and had a meeting with Director Yu of Binhai Bank at night, which was very successful.

Yu Dong also agrees with his business ideas and concepts very much, especially after learning more about the operation of the famous chef manufacturing under his name, of course he also tentatively asked if the shares of the famous chef manufacturing can be used as collateral. If Xiao Feng agrees, he is willing to give a higher loan, even 2 billion in full.

But this proposal was declined by Xiao Feng. For such a good thing, Binhai Bank wants to eat alone. Even if Xiao Feng agrees, other banks and financial institutions will not agree!