The reason why Xiao Feng rejected Binhai Bank's request was mainly to consider the issue of risk diversification, although he had a good relationship with Binhai Bank, but Binhai Bank was a small bank after all.

In the future, he will also be useful to other banks, so such a piece of fat must also be left for other banks to share the profits, otherwise in the future, if it really goes to other banks.

Temporarily go to cram, who still has time to care about you.

One billion is enough for other banks to share the profits, and he discussed this with Katya the next day, as long as other banks and financial institutions are willing to participate, the request is not too excessive, they can agree.

He even plans to entrust Binhai Bank to help him contact some banks and make a syndicated loan.

Syndicated loan is a loan from a number of banks or financial institutions to an enterprise at the same time, and the reason for this is because these banks and financial institutions are optimistic about the enterprise at the same time.

However, although the bank is optimistic about this company, it is worried that if it only lends money to this company, the risk will be greater for itself.

Therefore, in order to reduce the risk and not offend the customer, I contacted some friendly banks and financial institutions that had a good relationship with me, and everyone gave the company a loan.

This can not only meet the needs of enterprises, but also reduce their own risks, and at the same time can build good relationships in the industry and expand channels.

Yu Dong of Binhai Bank, who was so face-saving yesterday, Xiao Feng simply sold him a favor and asked them to find someone to do this syndicated loan.

Of course, banks and financial institutions must need collateral for loans, and after Xiao Feng and Katya discussed it, they decided to directly mortgage the two buildings to these banks and financial institutions.

After all, such a building is hard currency for them, and this is a building with a valuation of four billion, and the bank mortgage is only 7% off at the most.

If there are other banks and financial institutions that don't want this building as collateral, Xiao Feng and Katya will discuss it, then take out a part of the future operating income rights from the directly operated stores made by their celebrity chefs as a pledge.

This is already the bottom limit of their loans, if someone is still not satisfied, then ask him to get out, if someone proposes to let them take out the equity to pledge, then there is no need to cooperate with such banks and financial institutions at all.

The current celebrity chef manufacturing is so strong, the bottom limit of what they can accept is limited to this, and if anyone is not satisfied, there is no need to cooperate anymore.

Next, the matter of buying the building and the loan will be handed over to Katya to deal with, and Xiao Feng plans to take advantage of the winter to go to the other world.

Previously, he led his subordinates in the Otherworld, attacking the gourd canyon, and although he occupied there, he was always worried that the orcs would return to take revenge.

But because of the continuous heavy rain in the other world, many mountain roads have been washed away, and the main force of the orcs is still in the south of the Toulon Empire, and there is no full force to crusade against them.

It is precisely because of this that he is relieved to return to modern times, but in fact, he has not been very relieved in his heart, and he does not feel steady, after all, they have counterattacked and laid down such a large piece of land.

If the orcs won't come to retaliate, I'm afraid he can't believe it, so he plans to go to the other world before the winter begins.

But before going to the other world this time, he still had to go to Russia to replenish some weapons and ammunition.

Before going to Russia again, he went to Xiangjiang again and found several foreign banks.

Previously, he registered several shell companies in the Virgin Islands and the Cayman Islands, and some bank accounts, and a lot of overseas funds were entered into the accounts of these banks.

This time, he wants to transfer all the money back to China and use it to buy a building.

There is another reason, that is, he has cooperated with Citigroup, several large foreign banks before, and he also came here this time to improve his credit rating.

After all, these foreign banks have a lot of tentacles in overseas regions, and many overseas connections, it will be much easier to have their help.

Therefore, Xiao Feng planned to choose one of these banks as a long-term cooperation object, and considering that the impression in China was relatively large, he chose Citigroup, after all, this Miguo bank has been working in China for many years and is very familiar with the internal environment of China.

The way he improved his credit rating at Citibank was very simple, he rented a whole warehouse with a safe directly at the Citibank branch in Xiangjiang, and then put a batch of diamonds and gold from the other world.

He didn't have many jewels and diamonds, less than a tenth of the gold and silver treasures he had scavenged from the other world, but even so, it scared the account manager who had been following him silly.

In fact, when he stored these treasures, he could have let this account manager leave, but he didn't, but let him stay, just deliberately to show this guy, and the effect of this is also very obvious, the whole process of this account manager was surprised to grow his mouth, I really want to look at him like an alien!

No wonder you want to rent a whole room with a safe!

Although the account manager does not know much about diamond appreciation, he also knows that such a large diamond is rare in the world, and it is possible to send a price of hundreds of millions if he takes out one for auction.

Such a treasure is definitely the favorite hard currency of the rich, harder than any dollar and RMB, the most valuable, and the space for future appreciation is also very objective.

There are also a lot of colorful treasures, not to mention, the account manager, I feel that my eyes are blind.

In addition, there are those regular gold bricks, although they are privately cast at first glance, but that one kilogram is full of weight, regardless of whether it is professionally made, but gold is gold.

Whenever he heard Xiao Feng put gold bricks in the warehouse, the jingle sound of the gold bricks colliding, the manager would feel his heart jump.

When he came out of the vault, the account manager felt that he was suffocated, and today he saw what a real tyrant is.

In the morning, Xiao Feng put those hard currencies in the bank's vault, and in the afternoon he received a call from Citibank, he only deposited hundreds of thousands of dollars in Citibank's account, but they promoted him to VIP customers, and even compensated him for a personal customer service specialist named Casey, with a sweet voice.

Either to sell him, let him apply for a card, or to recommend various financial products to him, Xiao Feng refused with a smile, but smiled and said to Na Kathy that he would contact her when he needed it in the future.

This Citibank is not a fuel-efficient lamp, and the fact that he stored a large amount of gold, silver and jewelry in the vault must have been reported by the account manager, and with such financial resources, how could Citibank not pay attention to it?

As long as he can attract their attention, Xiao Feng's goal has been achieved, and this Citibank is a backhand left by him, and he may be able to use it in the future.

Although he has space, those gold and silver treasures are safer when they are placed in the space, but the gold and silver treasures in the space cannot provide him with any convenience, and when they are placed in the vault of this bank, the effect is different.

Those guys in the bank, as long as they are not fools, they will make an assessment of those gold and silver treasures, and when the time comes, they will estimate their net worth based on these gold and silver treasures, and then provide themselves with corresponding convenience.

Sometimes the convenience that these guys can provide is indeed not something that ordinary people can handle, and this is the main reason why Xiao Feng came to Citi to store gold, silver and jewelry.

He was delayed in Xiangjiang for a few days, mainly to transfer the funds that had been transferred overseas back to the mainland, of course, he was not directly transferred to the mainland through domestic banks.

Instead, through a few accounts, the funds went around a small country in the south, which is a well-known RMB underground offshore trading center, and the exchange rate is more advantageous than that of a bank on the right track.

After he converted the US dollar into RMB from here, he transferred the money to China through Citi's account, and such a large amount of money, after Citi's account, naturally let Citi realize his own strength more objectively.

In the next few days, the Casey girl from Citi made very frequent phone calls, and in addition to all kinds of sales, she also made all kinds of side knocks, asking him if he planned to have any investment plans for such a large sum of money on his domestic account.

If the funds are not very abundant, Citi is willing to support him.

The bank is the best broker in the world, Xiao Feng wants this effect, neither discloses, but also does not agree, but also teases each other with the girl named Casey on the phone, teasing the girl every day, and the life is quite cool.

In fact, like the private financial specialist provided by Citi, Xiao Feng certainly knows what's going on, it's nothing more than what the bank provides to customers, anyway, this is the unspoken rule of the financial industry.

How can banks retain those VIP customers, then you must really make customers feel like God, especially these big bosses who are worth a billion dollars at every turn.

If you don't serve others well, they will change to cooperate with other banks, and the bank will have to cry to death at that time.

So in order to be able to meet the needs of customers, these banks really do everything, every year they recruit a large number of sweet-looking female graduates from the world's major financial institutions, specially trained, and then crowned with the title of private financial specialist, so that they can contact customers.

Of course, if something happens between them and the customer, it's between them, and it has nothing to do with the bank. And those female employees are also very willing to really have something to do with the customer, after all, this is a shortcut to the sky.

Soon after this, Xiao Feng got on the plane and went north to Russia, just like before, before going to the other world, he felt that he had to replenish some ammunition.