The reason why celebrity chef manufacturing has such a big reputation is because their first investment promotion conference was a great success.

A total of 400 stores have joined the country, and it is said that they originally just wanted to open 200 places to test the water, but how did they expect that even a giant crocodile like Yida would enter the market?

Moreover, these 400 stores are now doing briskly business all over the country, and their daily net profits are quite amazing, and almost most of the people present here are bank personnel.

So they have access to a lot of first-hand information, and many of the franchise stores made by those celebrity chefs have accounts in their banks, so of course they know the flow of those stores very well.

In their opinion, the profitability of this celebrity chef's manufacturing is different from the figures boasted of water injection in other project research reports, which are real, and may even be underestimated.

And now Xiao Feng said that next year will be held the second investment promotion conference, there are more than 3,000 merchants who are interested in joining, in the eyes of the people of these banks, this is definitely not bragging, painting a big pie.

People really have such strength, such a profitable store, to be honest, if they have the ability personally, they all want to build a franchise.

Open the number of 1,000 franchises, and the franchise fee will go up?

Even according to the original franchise fee standard of 2 million, the franchise fee alone is already 2 billion!

Isn't these two billion enough to repay these loans from the bank?

What's more, people still have advertising costs, decoration costs, and various ingredient fees and other messy costs, which is not counted, if this joining conference is a great success, according to expectations, it will not be a problem for celebrity chefs to make another three billion.

Is the two billion loan still a big problem?

Apparently not!

"I plan to use this investment franchise fee as a second source of repayment, do you think it's acceptable?"

Xiao Feng asked the syndicate representatives present with a smile, and at this time, the syndicate representatives were all silent, and there was indeed no problem at all!

It's just that when the time comes, you, uncle, don't repay the loan in advance, that's fine!

"Well, Mr. Xiao, we don't have any doubts about the source of your repayment, but you also know that our bank always needs some collateral to approve loans, what do you plan to use to mortgage you?"

This is a pot-bellied representative of Bank X, this guy obviously didn't read the financing plan provided to them by President Feng carefully, because the financing and mortgage processes have been clearly written in it.

In terms of celebrity chef manufacturing, he plans to use the twin buildings as collateral.

But this is also normal for these bank tycoons, how can leaders have time to read your financing plan carefully?

"Well, it's already written in the refinancing plan, and we plan to take out the twin towers for mortgage financing. ”

Xiao Feng looked at the representatives of the syndicate and said, because he could see that when the fat man asked a question, the representatives of the syndicate pricked up their ears.

Obviously, everyone is very concerned about this issue!

"For the purchase of the Twin Towers this time, our celebrity chef plans to come up with two billion of its own funds, and the remaining two billion will rely on bank loans. We also know our profitability, and I also said that our plan to attract investment, the first repayment and the second repayment sources are already available, and now we have taken out the building as collateral, and we are already very sincere. The price of the building is 400 million, but you must also know that this mansion is definitely worth more than that, it will only be higher. The discount rate of your bank's mortgage financing is seven, and the discount rate I provide to you is close to half, which can be said to be sincere. I don't know if you still have any doubts?"

Since everyone is so concerned, Xiao Feng still explained it well, and then many people's hearts returned to their stomachs.

But there are still a small number of people who don't seem to be reconciled, and a middle-aged thin man with glasses suddenly asked: "So, Mr. Xiao, have you ever considered that part of the shares made by celebrity chefs as collateral? I think this will be more effective, and it will be easier to raise funds." ”

Xiao Feng had been worried about this problem before, and Xia Hongtao, who was sitting next to him, heard this question, and suddenly sat up straight, stared at the person, and then whispered beside Xiao Feng.

"Mr. Xiao, why don't you leave it to me next?"

Xiao Feng turned his head to look at him, only to see that his eyes were very confident, so he nodded.

"Excuse me, which bank are you from?"

Xia Hongtao was down, and he was very imposing at the beginning, and asked the man directly.

The man was stunned for a moment, and then replied, "I'm a representative of the X-wave bank. ”

"There doesn't seem to be a branch in Ben Thanh, right? Speaking of local banks, can you sit on inter-provincial business?"

"Well, we don't have a branch in Ben Thanh, but we have a brother fund company, and I came with their representatives this time, and if we can, we can raise funds for you through other channels. ”

The middle-aged thin man replied with some embarrassment, Xiao Feng couldn't help but be a little angry when he heard this, you can't give a loan directly, what are you doing to make a fuss He glanced at President Feng a little angrily.

President Feng also scratched his head in embarrassment, and quietly explained to him: "X-wave Bank, as you know, Mr. Xiao, is the hottest private bank in Jiangsu and Zhejiang, with sufficient funds and low lending interest rates, so I'll just... ”

Of course Xiao Feng didn't believe it, President Feng was completely out of good intentions, and there must be some cattiness between him and the bank.

"Let me introduce myself, I am the deputy CFO of Mingchu Manufacturing Group, my name is Xia Hongtao. This time, I accompanied Mr. Xiao to come. ”

After all, Xia Hongtao is an old fritter who often deals with banks and financial institutions, and he has a lot of experience, and he has mastered the leading power in the venue in a few words.

“。。。 Here, I would like to give you an explanation and explanation! Because we have the first source of repayment, and the second source of repayment, and we also take out the building as collateral, so I think the sincerity of our enterprise is very sufficient. As for the shares, we don't intend to use this part as collateral. If the representatives of banks and financial institutions can accept the conditions we have previously proposed, then they can stay. If it's not acceptable, it's okay to leave now. ”

Xia Hongtao's words were very strong, and they also opened Xiao Feng's eyes, after all, he had never dealt with people in the financial industry before, except for President Feng, and he didn't know how to deal with them.

And Xia Hongtao taught him a lesson today, of course, the reason why he dared to be so strong was mainly related to the strong performance of the corporate celebrity chef behind him.

Otherwise, he would never dare to behave like this in front of the bank representatives!

As soon as he said this, the participants present were stunned, and then everyone stopped talking, and everyone knew that it was time to see the real chapter.

Negotiation is like this, the bank's doubts and conditions, the other company has explained to you, you can accept it, you stay, if you can't accept it, you leave.

Now it's time for the major banks to understand the conditions proposed by the companies.

"Okay, since everyone is going to continue to work with us, I have a few questions, I would like to ask, what are the interest rates that you can offer?"

Xia Hongtao went straight in, and the representatives of the major banks present couldn't help but frown, this guy doesn't play cards according to the routine!

Generally designed to the interest rate, even if it is a syndicated loan, everyone has discussed it privately, what do you mean by asking in front of everyone?

"I might as well give you a thorough explanation, the interest rate on the loan between us and Binhai Bank is a 30% reduction in the benchmark interest rate, and I hope that the interest rate you can give will not be higher than that. If it's not acceptable, then it's time to leave, and we can get funding through other channels. ”

Xia Hongtao's strong performance made the representatives of the banks present very uncomfortable, and the benchmark interest rate was lowered by 30%, although the banks can still make money, but the profit margin is much lower than imagined.

This knife is really ruthless, but if you don't accept to leave, everyone is reluctant.

First, even if the interest rate falls, everyone can make money, and secondly, everyone is optimistic about the development of celebrity chef manufacturing in the future.

Now the financial industry is not easy to mix, everyone is facing the problem of shortage of good assets and few good customers, and celebrity chef manufacturing is a rare clear stream.

"Okay, since everyone hasn't left, then it means that they can accept our conditions, but the banks and financial institutions present at the meeting, I took a look, there are a total of thirteen, but in order to reduce our company's financial costs and facilitate the company's accounting, we decided to find only five partners this time at most, then... ”

The bank representatives and financial institutions present at the meeting, when they heard this, they couldn't help but curse psychologically, this guy's conscience is greatly broken.

What he meant by saying this was clearly to let the thirteen companies present compete for the five cooperation places!

How to compete? If you don't lower the interest rate, people won't cooperate with you!

This situation generally occurs in the case of central enterprises, because they are the sons of the state, and the central enterprises have super bargaining power in front of the banks, and can often get loans from banks that are much lower than the benchmark interest rate.

But this celebrity chef is a private company, and now it is so strong, which makes everyone feel very uncomfortable, and even a little uncomfortable to the extreme.

And after Xiao Feng watched Xia Hongtao's performance again, he couldn't help but sigh in his heart, this person really didn't find fault with himself, he was really a professional, and his professional skills were MAX!

His appearance really helped him solve a lot of trouble!