NOVEL NEXT Chapter 111 Large Commercial Loans
In the afternoon,
Ma Baoguo, the president of Nong Bank Head Office in Yongjia County, drove a female assistant to Fang Bai to discuss cooperation.
I observed the business situation of Xinghai Mall in the car for a while and saw people coming and going outside the mall. The staff in the mall were very busy. Many customers were looking for cars on the roadside to go home after buying home appliances.
There were five or six cars waiting for customers on the roadside, and there were even more human-powered tricycles. Dozens of them passed by in a row, and security guards were on site to direct the vehicles to stop in accordance with regulations.
"Boss, the business of this Xinghai Shopping Mall is really good. The mall is almost crowded." The female assistant said with a smile, "I came here to win the lottery a few days ago. At that time, there were more people in this place, and the roads were crowded with people and cars. We can only take a detour."
Ma Baoguo said thoughtfully: "The business is indeed very good. Please pay attention to the service attitude of the staff in the store. They are warm and polite to the customers. The boss has good management and is good at marketing. It is no wonder that the business is not good."
"Yes, now everyone in Wencheng knows that a large square is going to be built here with an investment of 200 million yuan. Is this boss so rich?"
"The 200 million yuan is for building momentum. We definitely don't have that much money at the moment, but we do have 10 to 20 million yuan, and we just earned it not long ago." Ma Baoguo smiled and said, "Go and find out, ask. If Mr. Fang is around, please be polite, as they have a very hard relationship with the county."
"Okay, don't worry, I understand the severity." The young female assistant got out of the car and walked into the mall.
According to the leader, the actual controller of the mall is a young man named Fang Bai.
Before they came, she and her colleagues had already investigated the scene.
A few minutes later, the female assistant returned and reported: "Boss Fang is here and said that Mr. Fang will be here soon."
Ma Baoguo nodded, got out of the car, closed the door, and entered the mall with his female assistant to find Boss Fang.
Boss Fang invited them into the office for tea. After a few minutes, Fang Bai arrived.
The two parties exchanged polite greetings, and President Ma explained his intention.
Fang Bai smiled and said to the about fifty-year-old President Ma: "This morning, President Ye of the G branch on Nanjiang West Road just came to me for a loan, and President Ma came to find me. He is quite well-informed."
Manager Ma had a smile on his face: "Mr. Fang, Chen Tao and County Magistrate Chen strongly recommend you. He said that your company may need a very large loan. Let me come and ask. I also hope to cooperate in depth with Xinghai Company."
Some time ago, Xinghai Company held a lottery, collected large deposits, and engaged in large-scale development. Several major banks in the county were paying attention to this matter.
Manager Ma investigated carefully and finally found out the situation of Xinghai Company through County Magistrate Chen.
The controller was Fang Bai, who was studying. He was a little shocked, but County Magistrate Chen told him not to underestimate this young man.
He can organize a large-scale event and help the county collect more than three million in tax revenue. He has good credit and can accumulate millions of assets in less than a year.
Moreover, Xinghai Mall is well managed, has good profits, sufficient cash flow, sufficient ability to pay loan interest, and no non-performing assets.
In addition, he has a hard relationship with the county, and various factors make it difficult for him not to make a fortune.
There are very few such excellent loan candidates in Wencheng. If it were later, it is estimated that other bank presidents would come to Fang Bai.
If it were an ordinary company, there would be no need for President Ma to come to the door in person. Others would only ask for help. At most, it would be good for the branch president to come to the door.
However, for companies that are developing strongly and are very likely to require ultra-large loans of tens of millions or even more than 100 million yuan in the future, it is necessary to make a good deal early and secure a company, and the performance of the head office will definitely be better.
Fang Bai spread his hands and said regretfully: "Thank you, President Ma. I originally approached Bank N for a loan first, but it's a pity that your branch can't get a loan. It gave me a bad impression."
President Ma was confused: "No way? Mr. Fang has been to our bank to apply for a loan?"
Fang Bai curled his lips and smiled: "At the beginning of February, when I repaid your loan from Changxin Road N branch, I gave the other party 2 points in rebate.
However, President He of your branch asked me, ‘Rock, paper, scissors, others offer scissors, what do you think I should offer’.
President Ma, what do you think should be released?
In the end, I couldn't afford the trouble and had no choice but to find ICBC. "
When Ma Baoguo heard this, he frowned. He knew that the branch leaders below were receiving kickbacks, but he didn't know the specific circumstances.
But according to what Fang Bai said, the rebate of 2 points is not a small amount, but the appearance is too ugly.
Five points?
Or ten points?
Damn, you are cheating, this kind of people must be severely punished!
Thinking of this, Ma Baochao was very angry. Looking at Fang Bai, he still held a grudge.
"Mr. Fang, please don't worry. There is no rebate when you take a loan from our bank, and the loan interest is preferential.
Regarding the problems you mentioned about Hejian, I will punish him severely. "
Fang Bai heard that President Ma had taken it to heart and detected the other party's information. He also knew that the other party was angry and had this idea, so he asked: "Oh, tell me."
Now Fang Bai can detect information on five people a day, discuss business without any problems, and can also detect subordinates and assess loyalty issues.
President Ma said: "If the loan amount reaches 5 million, the two-year interest rate will be 14.5%."
Fang Bai shook his head and smiled: "The offer from the G branch is more favorable than yours, with a two-year interest rate of 14.3% and a limit of 20 million yuan. If you have any doubts, just ask around. "
Marburg had a headache. The business capabilities of their head office were not as good as those of ICBC. If the cooperation did not succeed this time, it would be difficult in the future. After thinking about it for a while, he finally made a decision and said: "Mr. Fang, there is no problem with the interest rate you mentioned. .
But there is a problem. If you get a loan of 20 million yuan from Bank G and there are multiple banks, the risk will be much greater. We can only grant a loan of 10 million yuan at most.
If the main loan is from our bank and the total amount of other banks does not exceed 10 million yuan, we can also lend 20 million yuan.
Every once in a while, we will re-evaluate Xinghai Company's ability to repay debts. If your company develops well, we can also increase the loan limit. We hope Mr. Fang understands our difficulties, otherwise we will not be able to explain it to the superiors. "
Fang Bai heard this and knew the situation of multi-bank loans.
If it were later generations, it would only take a few seconds to find out the credit status of the loan applicant, including which bank he got the loan from, how many loans he had, and how many loans a certain person had, which would be transparent to the bank.
Nowadays, banks are not connected to each other, and banks do not have strict internal audit systems. Their management is rough and there are a lot of bad debts in arrears.
However, it is still possible to find out Fang Bai's loans from other banks, but it is more troublesome. Therefore, Fang Bai did not hide his loan plan.
"Okay, let's take a loan of 10 million. For the specific procedures required, just contact my father." Fang Bai said.
When President Ma heard this, he was very happy. He stood up and shook hands with Fang Bai and his son: "It's a pleasure to cooperate. The procedure is very fast. The loan can be issued in a few days."
After the two parties chatted for a while, President Ma left with the female assistant.
The next day, Fang Bai called Ye Fan and applied for a loan of 20 million yuan.
Fang Bai's father was responsible for the loan procedures, and Fang Bai was just taking the lead.
At two o'clock in the afternoon, he called Magistrate Gu and asked him if he was free to talk about new investments.
Fang Bai now has direct access to County Magistrate Gu's office phone number, and Gu Wen said that if anything happens, call him directly.
"Yes, come here." Gu Wen was a little curious, what else did he invest in?
He will go to the countryside for inspection tomorrow. If Fang Bai comes to find him, he really won't be in the county compound.
At half past two in the afternoon,
Fang Bai sat in Gu Wen's office, facing Gu Wen. On the tea table was Fang Bai's homemade map.
"To the east of Xinghai Mall, there is an open space north of the car, about 85 acres; to the north of it, there is also a 70-acre open space on the mountainside;
To the south of Xinghai Mall is a tidal flat that can be used as a park or large parking lot;
There are several vacant lots to the west of Xinghai Shopping Mall, with a total area of no less than 500 acres. Four or five kilometers along the river can be developed into office buildings or high-end residences..." Fang Bai drew a circle for Gu Wen. , “These four to five square kilometers can be used for residential and commercial purposes. If done well, the development of this area will be no worse than that of the city center. "
"Mr. Fang, your idea is very good. It requires a lot of funds. For developers, they would rather develop in the city center, where the houses are better sold."
"Leader, my idea may be different from yours. Of course it's better to be across the river. The problem is that there are too many old houses and it's difficult to demolish them. Just negotiating for a piece of land won't take two or three years to get it done. The time cost is too high. If I were a developer, I wouldn't want to spend money on it because the risk is too great.
It's better to draw a picture on a blank piece of paper. I plan to invest in the development of the 85 acres of land east of Xinghai Square and several pieces of land along the river. I am willing to be a pioneer in exploring the road. I don't know how the county plans it. "
Gu Wen heard Fang Bai's words, thought about it carefully, and couldn't help laughing: "Mr. Fang, your plan is not small. With such a big stall, what are your plans for Xinghai Square?"
"I plan to develop the first phase, which covers an area of 5,000 square meters, with one underground floor and five floors above ground. The initial investment is 30 million yuan. The loan funds have been secured. Exploration and design have recently started. Now that I have decided to do it, I will not procrastinate. , it is planned to be put into use within one and a half years." Fang Bai said.
Gu Wen nodded and moved very quickly. He thought he was just enclosing the land and not developing it, but that would definitely not work.
Now that the first phase of Xinghai Plaza is ready to start, and the land pointed out by Fang Bai is in line with the original urban and rural planning, there is no big problem, and the next step will be easier to talk about.
"Tell me the specific investment amount?"