Binhai Bank is originally a small local bank with assets of only tens of billions. Although President Feng is the branch president, his ability to mobilize one billion is already his limit.

But the reason why he agreed to Xiao Feng was entirely because the celebrity chef manufacturing company was too dazzling and of high quality.

What's more, what they want to buy with this loan are two buildings in the most popular square area of ​​Bincheng. Although these two buildings had an average reputation before, do bankers still care about this?

Any real estate with real estate capital is a high-quality asset for most banks. Even if Xiao Feng does not use the assets created by the famous chef as collateral, it is enough to use these two buildings as collateral.

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

Although the domestic real estate market is currently not very prosperous, properties on prime land are still one of the best anti-risk tools in the eyes of banks!

As for the shares made by famous chefs, it is not that President Feng has never thought about it, but let it go. He estimated that if he proposed this idea, Xiao Feng would definitely withdraw immediately.

Without him, Butcher Feng, Xiao Feng could still eat pigs without hair.

Therefore, for one billion, one of the twin towers can be used as a mortgage, or a quarter of a floor can be divided from it. This project is absolutely feasible.

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

It’s not that President Feng is upright and doesn’t want to make money, but the amount of this loan is really too big, one billion. Even if the base interest rate is reduced by 30%, plus handling fees, it will be enough for them to make a lot of money.

Yes.

After all, a high-quality company like Celebrity Chef Manufacturing has very strong bargaining power in front of banks and financial institutions.

If you don't give others sufficient discounts on interest rates, another bank will steal your business every minute.

For Governor Feng, one billion is already the limit of his authority. But for those large state-owned banks, foreign banks, or financial institutions, they are fully capable of spending twenty billion at a time.

Billion, I won’t give soup to anyone else at all.

Furthermore, if you don’t give people discounts on interest rates, others will naturally do so. After all, no bank is willing to miss out on a high-quality company like Celebrity Chef Manufacturing.

If we can manage a good relationship with celebrity chefs this time, there will be a lot of room for cooperation in the future.

Xiao Feng has already said that the second investment and franchising conference will be held after the year, attracting 1,000 businesses across the country. According to their previous franchise fee standard, the franchise fee is 2 million, and 1,000 businesses are just twenty.

Billions.

There are also other messy advertising fees, decoration fees, and after the successful franchise of these one thousand stores, what about the cost of the cooking kits imported from the celebrity chef manufacturing factory every day?

This kitchen manufacturing company can become a company with a scale of 5 billion in one leap. It has not yet been listed on the market. If it is listed on the market, it will not explode in any minute!

This is the main reason why Celebrity Chef Manufacturing has strong bargaining power in the financial market. If he, President Feng, is not a fool, he will naturally understand what Xiao Feng means.

So let alone a 30% reduction in the base interest rate, he would be willing to even have a 50% reduction.

Anyway, it is absolutely impossible for the bank to lose money, not counting the interest rate. If this transaction is made, the result of the handling fee alone will allow him, President Feng, to be promoted to three levels in a row.

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

Once such a large loan is really going to happen, communicating with superiors and holding a risk review meeting are all necessary processes.

Therefore, he must notify his superiors at this time and reach a consensus with his immediate boss. At his level, his immediate boss is of course already at the level of a major shareholder of the bank.

The matter of loan approval is actually a matter of communication between several major shareholders.

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

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

Both buildings are more than 60 stories high. One of them is intended to be the headquarters of a celebrity chef manufacturing group. The lower part will be used as a hotel, and the podium will be used to build a commercial complex and open a flagship store.

As for the other building, it is 'leased' to the Ninth Laboratory as a scientific research and production base. Anyway, high-end cosmetics like that do not need a large place to build a factory when the scale is currently small.

Environmental requirements are relatively high.

We will wait to discuss medicines and other matters in the future, and see if we can find another place to build a factory. The main reason is to see whether the production process developed by He Xiaojun and others will produce a large amount of polluted wastewater.

If not, then there is no need to find other places. If there are, then you really need to find other places to build factories.

But the R&D center will definitely be here, and downstairs, he will spare the twenty floors for Guan Zhenhai's burns and plastic surgery hospital.

Of course, as for President Feng and the others, he doesn’t want to reveal the current information about Laboratory 9 to them yet. It would be more appropriate for him to quietly be the boss behind the scenes first.

Soon President Feng came back from the phone call. His face was red, and it was obvious that the communication with his superiors was effective.

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

After all, one billion is not a small amount. Of course the big boss behind President Feng wants to meet Xiao Feng, and Xiao Feng will certainly not refuse...

At this time when Xiao Feng and President Feng were socializing, the entire Bincheng financial circle seemed to have heard the news. After all, there is no airtight wall in the world.

These people in finance are especially keen on news. Many banks and financial institutions, after hearing the news that the famous chef wants to buy the Twin Towers and urgently needs financing and loans, immediately acted like sharks smelling blood and went crazy.

let's move.

Some credit managers even almost broke through the threshold of the flagship store of Celebrity Chef Manufacturing. The instructions given to them by their superiors were that they must meet the person in charge of Celebrity Chef Manufacturing. If they don't meet, they don't have to come back and just stay in their store.

inside.

Zhou Jing and Xiao Lin were inundated with calls. Zhou Jing didn't even dare to show up in the store. She could only wander back and forth between several branches, relying on the phone to control the normal operations of the store.

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

"Oh, Mr. Ma, I really can't stand this cigar of yours. I really can't get used to it. I'm sorry."

One of the oily middle-aged men took two puffs on the cigar and quickly put it out in the ashtray. Then he took out a pack of cigarettes from his breast pocket, took out one, lit it for himself, and smoked it hard.

After taking a sip, he closed his eyes with an expression of great enjoyment, and after a while he blew out a smoke ring.

"Hehe, I still like this better."

"Haha, okay, you try this again."

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

The oily man's eyes lit up when he saw this piece of 'white smoke': "Mr. Ma, can you do this?"

"Haha, I'm kidding, let's not talk about this. Lao He, have you heard about the incident made by the famous chef?"

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

"I've heard that. The news I've heard the most in the past few days is that they want to raise funds to buy a building. I've already asked someone to inquire about it at the management committee, and the information I've received so far indicates that this matter should be true.

"

"Haha, don't you have any ideas? I heard that the stupid young man last time made you very embarrassed!"

Mr. Ma sat on the executive chair, turned around, looked at the oily man with a smile and said, this oily man is none other than He Yukun from Yingyue International, who had been in contact with Xiao Feng before.

When Mr. Ma asked this question, the expression on He Yukun's face froze, and a hint of sinisterness flashed across his originally smiling face.

"How can I have no ideas? 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. We have been eyeing this chef for more than a day or two, and now they have just

Starting is also a good time for us to take action. If we wait for a while, they will develop and grow, and we will not have such a good opportunity if we want to take action again!"

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

"Hey, what about this? I plan to..."

A conspiracy targeting celebrity chefs and Xiao Feng was quietly formed in this office.

At the same time, Xiao Feng had just returned to the winery and met with Director Yu from Binhai Bank in the evening. It can be said that it was very successful.

Director Yu also agreed very much with his business ideas and concepts, especially after learning more about the business situation of Celebrity Chef Manufacturing under his name. Of course, he also tentatively asked if he could use the shares of Celebrity Chef Manufacturing as collateral. If

If Xiao Feng agrees, he is willing to provide a higher loan, even 2 billion all-inclusive.
Chapter completed!