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

Her bank is Binhai Commercial Bank, a local commercial bank in Bincheng, which has been operating in the local area for decades and has a deep foundation, but with the decline in economic vitality in Bincheng in recent years, Binhai Bank's performance has been declining.

After that class reunion, she learned that her old classmate was actually the owner of the now popular Celebrity Chef Manufacturing in Bincheng, but she was very happy, but the thought of making Celebrity Chef Maker her own customer gave her a headache.

The business conditions of celebrity chef manufacturing are well known to the entire banking industry in Bincheng, and the seven branches of the people are absolute cash cows, with a net profit of more than 10,000 yuan per day, plus the net profit of the flagship store, the net profit can reach 100,000 yuan per day, and there will be a net profit of more than 3 million yuan in a month.

In fact, for banks, the scale of this enterprise is not large, it is not an asset-heavy enterprise, it is engaged in catering, it is not a high-level industry, and it is not enough for some old large banks to enter the eyes of others.

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

Banks are the industry most closely related to the real economy, and the relationship managers of each bank do not know how many companies they have to run every year.

Many enterprises seem to be very large, with billions of assets and thousands of workers, and a single transaction is often calculated in hundreds of millions, but such an enterprise, until the end of the year, is calculated, and the net profit is only tens of millions, or even millions.

Such a company seems to be quite bullish, but compared to such an inconspicuous catering company as Celebrity Chef Manufacturing, it is really not a fart.

If you compare the return on assets, cash turnover ratio, net profit margin, current ratio, quick ratio and other key data, these seemingly glamorous companies are being beaten by celebrity chefs every minute!!

A celebrity chef can make a profit of more than 36 million yuan a year if he makes just a few fast food restaurants, which is a net profit! If we want to carry out nationwide investment promotion in the future? It is appropriate for the net profit to exceed 100 million yuan in that year!

If you look at those so-called high-ranking Internet companies, such as a certain drop and a certain group, their valuations are particularly millions of dollars, but are they profitable?

Banks are not stupid, and they prefer to deal with cash cows made by celebrity chefs rather than dealing with companies that are imaginary, 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 them for dinner, but he didn't expect that President Feng of Binhai Commercial Bank would urge them to treat them, and the place to eat was set at the top high-end hotel in Bincheng, Shanghai Huafu!

In recent years, the state has cracked down on eating and drinking, and this private club cannot be operated, so it has been taken over by Binhai Bank and has become its asset, specializing in entertaining high-end customers of banks.

When Xiao Feng arrived at the Huafu on the sea, he couldn't help but be surprised, this hotel is located on Longtou Mountain in the southern suburbs of Bincheng, the geographical location is very private, the back of the mountain and the sea, the environment is first-class.

If it weren't for the guests this time, he wouldn't even know that there was such a high-end restaurant in Ben Cheng.

As soon as he parked the car, he saw Li Danni waiting in the parking lot, Li Danni was already married, she was a plump and handsome young woman with a letter, when he was in school before, Xiao Feng had not beaten people's ideas.

But later he learned that people had worked in the banking system in Bincheng for several generations, and his family was very advantageous, so he retreated, after all, he still knew very well how many catties and taels he had.

Later, everyone was admitted to different universities, and after graduating from college, he went to the north drifter, while Li Danni directly entered the local commercial bank according to the arrangement of his family, and it was smooth sailing all the way.

The two exchanged a few words, Li Danni introduced him to the private room that had been booked a long time ago, in a large bag of more than forty square meters, President Feng had already waited there with his secretary, President Feng was a middle-aged man with a Mediterranean hairstyle, he smiled before he spoke, and was very polite to Xiao Feng, although he looked a little unphotogenic, but the attitude of the people made Xiao Feng very comfortable.

According to the rules, the businesses blew each other for a while, and then they each sat down, and Governor Feng waved his hand and began to serve the food.

All kinds of delicacies and delicacies were brought up, and then everyone was happy with the wine, President Feng They were not in a hurry to speak, but they were just trying to make friends with Xiao Feng, and the opening and closing of the mouth were some local novelties in Bincheng, or some current political news, plus the gags of the secretary and Li Danni from time to time, the atmosphere of the banquet was also relaxed.

Xiao Feng also knew that these people must be waiting for him to speak, so he simply didn't go around the bush and told President Feng about his needs for this loan.

This President Feng is really very refreshing, and waved his hand: "Let Xiao Li and them go to your company tomorrow to have a look, do a corporate due diligence, and you don't have to worry about the feasible plan, let Xiao Li and them write it all, the fastest one week, the slowest two weeks, I can approve the money for you." I'll give you a flat push on the interest rate, what do you think?"

Xiao Feng raised his eyebrows, this President Feng is really atmospheric, it seems that he really attaches importance to him and the celebrity chef.

This is a necessary process from the bank to the enterprise, and there is also a feasible report for the project, which is generally provided by the enterprise, but they actually prepare it themselves, and depending on the meaning, that is, go through a process, which saves them a lot of trouble.

The most important thing is that the interest rate is pushed flat according to the national benchmark, which is enough to reflect the sincerity of the people, you must know that Binhai Commercial Bank is not one of the five major state-owned banks, as a commercial bank, the interest rate they lend is generally 30 to 50 percent higher than the national benchmark interest rate.

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