Binhai Bank is a small local bank, with assets of only tens of billions, and although President Feng is the president of the branch, it is already his limit to be able to mobilize one billion.

But the reason why he agreed to Xiao Feng was entirely because the celebrity chef made this company, which was too dazzling and too high-quality.

What's more, this loan, people want to buy the two buildings in the most popular square area in Bincheng, although these two buildings had a mediocre reputation, but the banker, still care about this?

Any real estate with a house capital is a high-quality asset for most banks, and even if Xiao Feng does not use the assets made by celebrity chefs to pledge, it is enough to mortgage these two buildings.

What is the bank's favorite collateral? Isn't it this kind of fixed asset that is the favorite? In particular, the fixed asset in a good location is definitely the most risk-resistant hard currency in the eyes of the bank.

Although the current domestic real estate market is sluggish, the real estate of good land is still one of the best anti-risk tools in the eyes of banks!

As for the shares made by celebrity chefs, President Feng didn't think about it, but even if he thought about it, he estimated that if he proposed this idea, Xiao Feng would definitely withdraw it directly.

Without him Feng Butcher, Xiao Feng can eat pigs without hair.

So one billion yuan, one of the twin buildings can be used as collateral, or a quarter of the floor from it, this project is absolutely feasible.

As for the interest rate, considering the current and future long-term relationship with Celebrity Chef Manufacturing, it is enough to reduce the benchmark interest rate by 30%.

If it weren't for Governor Feng's high wind and brightness, he didn't want to make money, but the amount of this loan was too big, one billion, even if it was lowered by 30% according to the benchmark interest rate, plus the handling fee, it would be enough for them to make a lot of money.

After all, a high-quality enterprise like celebrity chef manufacturing has too strong bargaining power in front of banks and financial institutions.

If you don't give enough discounts on interest rates, other banks will steal your business in minutes.

For Governor Feng, 1 billion yuan is already the limit of his authority, but for those large state-owned banks, or foreign-funded banks, or financial institutions, they have the full strength, and they will not give soup to others at all if they take out 200 million at a time.

Besides, if you don't give people preferential interest rates, others will naturally give them, after all, celebrity chefs make such high-quality enterprises, no matter which bank wants to miss it.

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

Xiao Feng said that the second investment promotion conference will be held after the year, and there will be a thousand investment nationwide, according to their previous franchise fee standard, two million franchise fees, and one thousand will be two billion.

There are other messy advertising costs, decoration costs, and after the success of these 1,000 stores, what about the cost of the cooking kits that come in from the celebrity chef's factory every day?

This celebrity chef can become a large-scale enterprise with a leap of 100 million, this has not yet been listed, if it is listed, it will not explode in a minute!

This is also the main reason why celebrity chefs can have strong bargaining power in the financial market, and if he is not a fool, he will naturally understand the meaning of Xiao Feng's words.

Therefore, not to mention that the benchmark interest rate will be lowered by 30%, he is willing to drop by 50%.

Anyway, it is absolutely impossible for the bank to lose money, not counting the interest rate, if this one is done, the results of the handling fee alone can make him President Feng three levels in a row.

President Feng called his superiors to report to work, after all, with his authority, although he could approve a loan of one billion, this was also a verbal agreement.

Once such a large loan is really going to happen, then it is necessary to communicate with the superior and hold a risk review meeting.

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

The matter of approving the loan 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 buildings in the distance.

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

Both towers are more than 60 storeys high, one of which is intended to be the headquarters of the celebrity chef manufacturing group, and part of it is divided into a hotel, and the podium is to create a commercial complex and a flagship store.

As for the other building, it is 'rented' to the Ninth Laboratory as a scientific research and production base, anyway, like that kind of high-end cosmetics, at present, the scale is not large, and there is no need for too much place to build a factory, but the environmental requirements are relatively high.

Wait for drugs or something to talk about in the future, and see if you can find another place to do a factory, mainly to see if the production process developed by He Xiaojun will produce a large amount of polluted wastewater.

If not, then there is no need to look elsewhere, and if there is, then you really need to find another place to do the factory.

But the R&D center will definitely be here, and downstairs, he will vacate the twenty floors for Guan Zhenhai to do burns and plastic surgery hospitals.

Of course, for Governor Feng and them, he doesn't want to disclose the current news of the Ninth Laboratory to them, so it is more appropriate to be a behind-the-scenes boss quietly.

Soon President Feng came back after making a phone call, his face was full of red light, and it was obvious that the communication with his superiors was good.

"Mr. Xiao, Yu Dong of our bank just happened to be free today, just in Bincheng, he has already heard of your reputation, I want to meet you today, is it convenient for you to see?"

After all, one billion is not a small amount, the big guy behind President Feng, of course, wants to see Xiao Feng, and of course Xiao Feng will not refuse...

At this time when Xiao Feng and President Feng were communicating, the entire financial circle in Bincheng seemed to hear this rumor, after all, there is no impermeable wall in the world.

Many banks and financial institutions, after getting the news that the well-known kitchen manufacturer wanted to buy the twin buildings and urgently needed financing loans, immediately became like sharks smelling blood, and acted frantically.

Some credit managers even directly broke the threshold of the flagship store made by the celebrity chef, and the instructions given to them by the superiors were that they must meet the person in charge of the celebrity chef manufacturing side, and if they can't see it, they don't have to come back, and they live in their store directly.

And Zhou Jing and Xiaolin were directly blown up on the phone, Zhou Jing didn't even dare to appear in the store, so she could only cruise back and forth between several branches, relying on the phone to remotely direct the normal operation of the store.

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

"Oh, Mr. Ma, you cigar, I'm really unblessed, I'm really not used to smoking this thing, I'm sorry. ”

One of the middle-aged oil-headed men took two puffs of cigars, quickly extinguished them in the ashtray, then took out a pack of cigarettes from his breast pocket, took out one and lit it for himself, took a hard puff, closed his eyes with a very happy expression, and spit out a smoke ring after a while.

"Hehe, I still prefer this a little more. ”

"Haha, okay, you try this again. ”

On the other side, Mr. Ma, who was tall and chubby with gold-wire glasses, took out a white cigarette with no packaging and no logo from the cabinet behind him and handed it to the middle-aged oil-headed man.

The oil-headed man's eyes lit up when he saw this 'white smoke': "Mr. Ma, can you get this?"

"Haha, little meaning, don't talk about this. Lao He, have you heard about the things made by that famous chef?"

As soon as Mr. Ma spoke, the oil-headed man who had just reached out to pick up the cigarette immediately looked stunned, then took the cigarette with a smile, took it apart, and lit it for himself.

"I heard that the most common news I've heard in recent days is that they are going to finance the building to buy it. I've already asked someone to go to the management committee to inquire, and the information I have received so far should be true. ”

"Hehe, don't you have any ideas? I heard that the stunned young man last time made you very shameless!"

Mr. Ma sat on the chair, turned around, looked at the oil-headed man with a smile and said, this oil-headed man is He Yukun of Yingyue International, who had contact with Xiao Feng before.

Hearing Mr. Ma's question, the expression on He Yukun's face froze, and a trace of ruthlessness flashed on his face that was still smiling.

Mr. Ma, we all know that the group has been looking for high-quality projects for more than a year, and we have been eyeing this celebrity chef for a day or two, and now they are just starting, and it is a good time for us to do it, and then wait for a while, they are developing and growing, and we will not have such a good opportunity to do it again!"

"Well, I'm in agreement with you on this point, tell me what you're going to do this time?"

"Hehe, this one, I'm going to 。。。。。。。。。。。 this time ”

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

At the same time, Xiao Feng had just returned to the winery, and he met with Yu Dong of Binhai Bank in the evening, which can be said to be very successful.

Yu Dong also agreed with his business ideas and concepts, especially after learning more about the operation of the celebrity chef manufacturing under his name, of course, he also tentatively asked if he could use the shares of the celebrity chef as collateral, if Xiao Feng agreed, he was willing to give a higher loan, or even two billion all-inclusive.

But this proposal was rejected by Xiao Feng, such a good thing, Binhai Bank wants to eat alone, even if Xiao Feng agrees, other banks and financial institutions will not agree!