Sanchen Ranch is in another ravine not far from the winery that Xiao Feng bought, and the area is larger than the winery's ravine.

To the north of Ben Thanh is the remnants of the Paekdu Mountains, with many mountains, and there are many valleys sandwiched between the mountains.

Because it is a mountain range, the mountain is not very high, and the slopes are relatively gentle, so there are many hilly areas in the mountain valleys.

The area chosen by Sanchen Ranch is a place with a lot of flat land, and the slopes are not steep.

President Feng took Xiao Feng to drive here for more than an hour, and then led Xiao Feng to visit inside.

"It covers an area of about eight square kilometers, and the mountains on both sides and the valley in the middle are counted, and you can see that the passes in front and behind have been fenced, so this is a natural pasture. You can see that the lawns in the middle valley are all manicured, and there are a few streams left over from the hills, so there is no shortage of water here. Originally, Sanchen Dairy wanted to build this place into a comprehensive ranch integrating animal husbandry and tourism. But now that there is a problem with the funds, the later construction of this ranch will be unsustainable. They have invested 100 million yuan here before, buying land, leveling and repairing roads, planting pasture, building warehouses, houses for livestock, houses for managers, etc. ”

President Feng was obviously very familiar with this place, and introduced him to Xiao Feng while taking him on a tour.

Xiao Feng listened and looked, it is true that this ranch has been almost built in the early stage, and the places on both sides of the valley slope below 30 degrees are all planted with pasture, while the valley in the middle is all paved with that kind of green lawn.

This kind of lawn is more like the kind of lawn on the stadium and golf course, and not like the grass for feeding the cows, which shows that this place did plan to do tourism before.

There is a small river in the valley, which is a collection of streams left on the mountain, and there are many roads in the mountains that lead to various functional areas.

The barn, and the feed storehouse, were set up in the southeast corner, but it was empty, and there was not a single cow.

In addition, there are several places where the construction has not been completed, such as staff dormitories, etc., and it can be seen that there is indeed a lack of funds to stop work.

"How many years is the land use right here?"

"Thirty years, it only started last year, of course, it can be continued in the later period. ”

President Feng introduced Xiao Feng, Xiao Feng nodded, the country's regulations are like this.

"And how much are you going to ask for here?"

Xiao Feng didn't go around the bend with Governor Feng anymore, the ranch was all watched, and he was quite satisfied, so let's negotiate the price.

Xiao Feng was so direct, President Feng felt a burst of ecstasy in his heart, originally thinking that this guy would have to go around with him a few times.

"Well, I won't hide it from you, the money that Sanchen Dairy invested in this project was actually brought from us, and they invested a total of 120 million in the early stage. Now that something happened to them, they gave us this ranch, and the price we asked for was not high, 100 million, even the attachments on the ground, what do you think?"

Xiao Feng raised his eyebrows when he heard this, this old Feng is not authentic!

Sanchen Dairy has invested a total of 120 million here, and now it is worth it to your bank, and your bank will sell it to me if it is willing to 100 million?

It is said that this person invested 120 million yuan, but your bank is willing to sell it for 100 million, which shows that there must be something greasy in this! Have you ever seen a bank doing a loss-making business?

Sanchen spent 120 million here, this money is definitely not all bank money, there must be a part of their self-invested funds, and then the bank allocated them a part of the funds, which is estimated to be tens of millions.

And now this guy actually asks for 100 million yuan from himself, and he makes tens of millions of dollars as soon as he changes hands! Doesn't this regard himself as a big wronged leader?

Besides, when they lent money to Sanchen Dairy, they must have charged the handling fee, right? And they also charged a lot of interest from Sanchen before, right?

With this fee and interest alone, it is estimated that they have made millions, or even tens of millions, and now they are going to slaughter themselves again?

No wonder the most profitable enterprises in the country are especially banks! They can really be called black-hearted, and it doesn't matter if you are an acquaintance or not, they will give you a knife when they come up!

Xiao Feng looked at President Feng with a smile, President Feng thought that Xiao Feng was very satisfied with the price, but when he thought of Xiao Feng's next sentence, it made him embarrassed.

"President Feng, look at me?"

"Huh?"

President Feng's request for Xiao Feng is a bit confused, what does it mean?

"You're looking at me closely, where do you think I look like a big man?"

President Feng could only scratch his head and smile in embarrassment, it seemed that he still underestimated this young man, he thought that this young man had made the fast food chain a big success, and he would make hundreds of millions of dollars, and it would inevitably be a little floating at this time.

So it shouldn't be a problem to praise him a few words, and then fool around, and buy this ranch at a good price, but now it seems that he still thinks too simply.

If you can do such a big business, you can't treat him as an ordinary young man, how many people who do such a big business are fools?

Although the price of this ranch was set by his superiors, how could he not know the catty in it?

But he is also a thick-faced and black-hearted old Jianghu, and he quickly threw that embarrassing emotion behind his head, asking for a price all over the sky, paying back the money on the ground, and doing business, isn't that!

"Well, Mr. Xiao, of course, this price is still negotiable. ”

Seeing that Xiao Feng still didn't speak, President Feng was a little anxious and couldn't help but remind him, but Xiao Feng looked at President Feng with a smile at this time, and then said.

"In that case, then I'll pay 50 million, do you think it's okay?"

"Huh?"

Governor Feng grew his mouth, it's right for my brother to pay back the money when he lands, but he doesn't have to be so ruthless, you are stabbing your waist!

In fact, in this ranch, Sanchen Dairy invested 40 million yuan, and Binhai Bank allocated 80 million yuan to them, but they have already collected 7 or 8 million in handling fees and interest.

Now that Sanchen is in difficulty, this ranch must be unsustainable, in order to avoid bad debts, Binhai Bank took the ranch first.

In fact, considering that they have already collected seven or eight million handling fees and interest before, they only need to sell this ranch for 72 million, which is not a loss of money, but isn't this Governor Feng helping the bank strive for the greatest interests!

That's why he asked Xiao Feng for 100 million, but he didn't expect Xiao Feng's knife to be so ruthless, and he directly cut half of it.

"Uh... Brother... We are not going to the wholesale market to buy things, we can't cut them in half! You see that such a large piece of pasture, land, three links, and infrastructure construction have basically been completed, and only some staff buildings are left, and it doesn't cost a few dollars. This ranch is almost ready-made, and there are still twenty-nine years of service life, isn't it a bit too low for you to pay 50 million?"

Governor Feng spoke with a crying tone, little brother, we really have something to discuss.

But Xiao Feng didn't think so, this ranch was indeed built well, but now besides him, can this President Feng find anyone else who is willing to take over?

Even if you can find it, it is estimated that you will have to wait until the Year of the Monkey.

In recent years, the domestic real economy is difficult, and there are fewer and fewer people engaged in the real industry, plus this is an industry involving people's livelihood, and the dairy industry has meager profits and very large competition.

As for the local farmers, even if someone wants to take over the ranch, they don't have the strength.

So there are really not many people who can help Binhai Bank solve its urgent needs now, and he is counted as one.

Moreover, he has several classmates who are involved in the financial industry, and he is very clear about the bank's disposal of non-performing assets.

Different banks have different asset retention rates, that is, after the loan is out, if the other party does not operate well, the mortgage assets can only be used to repay the debt.

If they can recover 70 percent of these assets when they dispose of them, they will be considered successful, after all, this is better than not being able to recover a penny, and the bank can still afford a 30 percent loss.

So the price of this ranch, of course, has to be pressed hard, the other party asks for 100 million, and the price in his heart is 70 million.

"Then President Feng, how much is it appropriate for you? 100 million such an offer, you don't need to mention it again, huh? If you are mentioning an outrageous number, I will go back, in fact, this ranch is really dispensable to me. ”

When President Feng heard this, he immediately panicked: "Well, if you don't quote another price, it's a little higher, 50 million is really too low." ”

But although he is in a hurry, this guy is also an old fritter, anyway, he won't take the initiative to quote, who knows what price is right, if he angers Xiao Feng, it will be bad, not only will the business not be done, but even friends can't do it, then the gains outweigh the losses.

"Sixty million, that's interesting enough, I've added 10 million to you. ”

"Seventy million, it can't be lower, brother, this is also the bottom limit of what I can bear. ”

Seeing that Xiao Feng was willing to increase the price, it also meant that there was still something to talk about, and at this time, President Feng didn't go around in circles, and directly quoted the lowest price, which was also acceptable to the bank.

If the loan is 80 million, the ranch will recover 70 million, and the handling fee and interest collected before will be more than 7 million, and the bank will lose more than 2 million inside and outside, which is still acceptable.

Moreover, President Feng has made a contribution to the disposal of non-performing assets, and the year-end bonus will not be less, as for the person who takes the blame, of course, it is the person who lends it out.

This price just meets Xiao Feng's psychological expectations, and he is no longer grinding with this President Feng: "That's okay, that's it, you have prepared the contract and formalities when you go back, let's transfer the account first, and pay later." ”