98 Huge loans
Sending all the guests away, Xiao Zhenshan's spirit was still very excited, and even Bai Yuzhen became chattering, pulling her son to talk non-stop, there was only one topic, that is, Cindy is a good child, beautiful and capable, and she will definitely be a good wife and mother in the future, whoever marries her will be happy in the future.
After returning home, in order to avoid the brainwashing of his mother Tang Seng, Xiao Yao took the initiative to shift the topic to his mother's work, "Mom, you are now the vice president of the provincial bank, are you tired from work?"
"Tired is not tired, that is, the responsibility is very heavy, not only to find a way to increase the amount of loans, but also not to relax the risk control, after all, my work experience is a little lacking, every batch of loans are trembling, for fear that something goes wrong, then the responsibility is great. "Bai Yuzhen is also a strong character, and the work pressure is still very high.
"Mom, you forgot that you have a good son, if you have any difficulties, tell me, I will definitely be able to find a way to help you solve them. Xiao Yao said in a big way.
"You really think you are an immortal, I will ask you for any questions, do you know what the lending target of our provincial bank is for a year?" Bai Yuzhen didn't believe what her son said.
"After all, Huahui Bank has not been established for a long time, even if it is ready to go public this year, if you want to rush the performance, I estimate that the lending target of your provincial bank in a year should not exceed 10 billion, right?"
"I didn't expect you to know a lot about the work of our provincial bank. In order to prepare for the listing, the head office set this year's lending target for our provincial bank is 8 billion, and we have only now completed the target of 3 billion. Thinking that there is still a 5 billion loan task that has not been completed, Bai Yuzhen feels a lot of pressure.
"There is still a loan task of 5 billion, which is not much, if you had told me earlier, I would have solved the problem for you a long time ago, and I don't know how to use the resources around you, but you are a little incompetent as the vice president. Xiao Yao said very shyly.
"Is it a friend you know who is ready to take out a loan? This is really good!" Bai Yuzhen knew that his son was no longer what he used to be, and he didn't look at people with old eyes, "I really didn't expect your circle of friends to be so big now, even Fan Persimmon is your friend, and it's not unusual to know a few powerful business tycoons." ”
Xiao Yao shook his head and said, "Mom, how can you find someone else with a billion-dollar loan task, I can help you complete this task myself." ”
Although I am the vice president in charge of loans, every sum of money I lend out also needs to be reviewed by the head office, and the head office has a very tight grasp of risk control, if I relax the risk control and lend you money, then I, the vice president, may not be able to do it for long, and you are not afraid of being embarrassed when the time comes, I am still ashamed. Bai Yuzhen refused directly without thinking about it.
"Isn't it just a 5 billion loan, are you worried that I won't be able to use it, or are you worried that I don't have anything to use as collateral?" Xiao Yao disagreed.
"I'm worried. A loan of 5 billion yuan is not a small amount, and it scares people to death just thinking about it! What are you going to do with such a large sum of money? And what are you going to use as collateral?" Bai Yuzhen's expression became solemn.
When it comes to a loan of 5 billion, Xiao Zhenshan is also very concerned, and he also interjected: "Son, Dad knows that you are very rich now, but we can't spend money indiscriminately, if such a large amount of money fails, it will hurt your muscles and bones, I advise you to be safe." ”
"Is your son so unreliable? If I wasn't so sure, how would I dare to use such a large sum of money? ”
If it weren't for solving the problems at work for his mother, Xiao Yao wouldn't be ready to tell his family about the project he had invested in, so as not to worry them.
But now I have to solve the problems at work for my mother, and if I don't explain it to them, when it comes to such a large amount of money, the old couple will definitely not be able to eat well and sleep.
"Have you ever done something reliable before? If you do, you can tell it, and your parents will keep it in the future. Xiao Zhenshan said confidently.
Xiao Yao was speechless for a moment.
He used to be quite unreliable, and his trust in his parents' hearts was really not high.
"Isn't that all the old calendar, I'm not what it used to be now, okay? Don't always look at people with old eyes. ”
After complaining, Xiao Yao continued to explain: "I now have three investment projects that need money, and the investment in these three projects adds up, and 10 billion is not enough. ”
"You actually want 10 billion yuan! You really want to scare me to death! Are your three investment projects reliable? You must be cautious, in case you lose all your money, how can our family live this life!" After Bai Yuzhen became the vice president, although he had a lot of money, it was all bank money, and the investment that his son wanted to use was his own, which were two completely different feelings.
Xiao Yao now regrets arranging his mother to work in the bank.
If it weren't for the support of his mother's work, there would be no need for him to tell his parents about these things. Fortunately, these three investment projects are all sure to make money and not lose money, as long as the details are explained clearly, his parents should not be worried.
"The first investment project is a 10% stake in Huahui Bank, and I replaced this part of the shares with 3 billion cash, what do you think of this investment?
Xiao Zhenshan and Bai Yuzhen glanced at each other, and Bai Yuzhen said: "Of course it's reliable, Huahui Bank is about to go public, such a good performance, after listing, share appreciation is inevitable." ”
How many people want to get the shares of Huahui Bank at a premium, but without enough background, it can only be wishful thinking.
The son exchanged 3 billion in cash for 10% of the shares of Huahui Bank, which is of course a very risky and very cost-effective investment.
"My second project was to replace the Han Kuang Building in our city with 3 billion in cash, which has now been renamed Swire Tower. The minimum market value of this building is 5 billion, and because the other party owes me a favor, it was transferred to me at a cost price of 3 billion. ”
Next, Xiao Yao gave a detailed introduction to all aspects of this building.
After listening to his son's introduction, Xiao Zhenshan and Bai Yuzhen naturally had no objections to this investment.
Not to mention that this building was acquired at cost price, and it could earn more than 2 billion yuan if it was sold at the current price, because it was a relatively stable fixed asset investment, the couple would not object.