Isn't that the opportunity for cooperation?

Zhou Fangyuan needs capital, ICBC needs to find excellent credit targets, and the two sides can be said to be natural partners.

Of course, the premise is that Zhou Fangyuan's Yuanfang Group can show the right potential, otherwise the bank will not be able to easily lend out the loan.

However, this is not a problem for the Yuanfang Group, now the Yuanfang Group is developing rapidly, in just over two years and less than three years, it has become one of the top private enterprises in Beitong City, and most importantly, they have just begun to develop, and people with a discerning eye can see that the potential of the Yuanfang Group is very strong, and the bank's economic experts are a handful, how can they not see the potential of the Yuanfang Group?

It is precisely because he can see the strong potential of the Yuanfang Group that President Wang wanted to establish a cooperative relationship with the Yuanfang Group for a long time, but unfortunately he had no chance before, and now that Zhou Fangyuan finally spit out, how could he refuse?

So early the next morning, Zhou Fangyuan got on the plane of Huibeitong and appeared in President Wang's office at ten o'clock in the morning. 、

No one knew what they were talking about, and no one knew how they talked about it, including the bank's insiders, only that Zhou Fangyuan had entered Governor Wang's office.

And this news soon fell into the ears of several other presidents, the president of CCB is naturally a little anxious, they have already tasted the sweetness in the cooperation with the distant group, and now they are in urgent need of further cooperation, but now they are preempted by ICBC, can he not be in a hurry? The other two are mesmer, after all, there has been no cooperation before, although they also hope to establish a cooperative relationship, but the loan thing, it still depends on the lender's inclination, I have only heard that the lender chased the bank to want a loan, where have I heard that the bank took the initiative to find someone to lend money?

Of course, this must happen, but it doesn't happen to the governor. Just kidding, they're also senior managers, what about the president, don't they lose face?

As for why Zhou Fangyuan chose ICBC among the three major banks other than CCB?

The reason is also very simple, it is nothing more than considering the different main responsibilities of the four major banks.

The four major banks are China Agricultural Industry and Construction, of which the Agricultural Bank of China mainly supports the three rural areas, the China Construction Bank mainly supports the country's capital construction, and the Bank of China is a foreign exchange bank and mainly focuses on overseas business. Only ICBC is mainly based on industrial and commercial credit, so it is best to find ICBC for loans, the amount is high, and various conditions are relatively good, and it is understandable that Zhou Fangyuan chose ICBC.

Finally, after a closed-door consultation with President Wang, Yuanfang Group finally decided to borrow 1.5 billion yuan from ICBC for commercial investment.

This loan amount, but President Wang is very happy, this is 1.5 billion, although ICBC Beitong Branch also has to lend a lot of money every year, but the loan is very risky. It's not just lenders who are at risk, banks are also at risk.

If nothing else, let's just talk about the five grades of loans, which clearly illustrates the problem.

The five classifications of loans are Normal Loans, Concerned Loans, Subprime Loans, Doubtful Loans, and Loss Loans.

Among them, a normal loan means that the borrower is able to perform the contract and has been able to repay the principal and interest normally, without any negative factors affecting the timely and full repayment of the principal and interest of the loan, and the bank has full confidence that the borrower will repay the principal and interest of the loan on time and in full. Loans with a probability of 0 loan losses.

Concern for loans means that although the borrower has the ability to repay the principal and interest of the loan, there are some factors that may adversely affect the repayment, and if these factors continue, the borrower's ability to repay will be affected, and the probability of loan loss will not exceed 5%.

In the case of subprime loans, there are obvious problems in the borrower's ability to repay, and the borrower of this level of loan is unable to repay the principal and interest of the loan in full by relying on its normal operating income, and needs to repay the loan interest by disposing of assets or external financing or even executing mortgage guarantees. The probability of loan loss is 30%-50%, and the risk factor is not small.

Further down is the suspicious loan, in the case of suspicious loan, the borrower is basically unable to repay the loan principal and interest in full, even if the mortgage or guarantee is executed, it will definitely cause a part of the loss, just because there are factors such as the borrower's reorganization, merger, consolidation, collateral disposal and pending litigation, the amount of loss is still uncertain, but the probability of loan loss is often between 50% and 75%, which can be said to be a situation that the bank is very, very unwilling to see.

The last level of loss loan refers to the borrower has no possibility of repaying the principal and interest, no matter what measures are taken and what procedures are performed, the loan is doomed to loss, or although a very small part can be recovered, but its value is also minimal, from the bank's point of view, there is no point and need to keep it as a bank asset in the accounts, for this kind of loan should be cancelled immediately after the necessary legal procedures have been performed, and the probability of loan loss is 75%-100% This is a situation that banks absolutely never want to see.

But if you really encounter it, there's no way to do it, even if you kill someone, you can't squeeze out any money, and you can just sentence it or something.

Therefore, the risk of the bank is really big, after all, the loss of money will affect the performance and political performance, and the higher-level leadership departments also have specific requirements, and it is already a big problem if it cannot be completed, and then lose some ...... Then the problem is even more serious.

On the other hand, Yuanfang Group, this is a high-quality loan, it is a better project than a normal loan, not to mention, those Internet companies are now worth this number, needless to say that Yuanfang Group has not weak industrial development, to put it mildly, President Wang is afraid that he still wishes that Yuanfang Group has a problem, because once there is a problem, some of the assets may have to go to the bank, such high-quality assets, of course the bank wants to get.

But he doesn't want the Yuanfang Group to have problems, because if the Yuanfang Group develops healthily and takes a bigger and bigger step, it will keep taking out loans, which is a better future for the bank, and Governor Wang is of course willing to see this situation.

So there is some contradiction in his heart, but it doesn't matter, the contradiction is himself, the money still has to be loaned, and the industry and commerce are happy and looking forward to this loan.

Special affairs, 1.5 billion funds soon went to the account of Yuanfang Group.

With this money, Zhou Fangyuan flew directly to Hong Kong Island and met Brother Xiao Li.

When they met again, Zhou Fangyuan could clearly see the tiredness on Brother Li's face, obviously he was really worried recently, why was he worried Zhou Fangyuan didn't know, and he wasn't ready to ask at all.

When the two met, it was naturally another greeting.

got into the car on the plane, and the two drove directly to Brother Li's residence, there was no one else in the villa except the aunt who was cleaning, Zhou Fangyuan followed Brother Li into the study.

Sitting down at the desk, Zhou Fangyuan finally came face to face with Brother Xiao Li.

"Brother Li, I brought the money. ”

Zhou Fangyuan got straight to the point.

Brother Xiao Li nodded, "Thank you so much, Xiaoyuan, with your money, I have a greater grasp of getting through the difficulties, and I'm really ashamed, I'm not a newcomer to the shopping mall, but I still planted a big heel, let me tell you the truth, what about Blizzard's shares, I really don't want to sell, including Tengxun's shares, I actually prefer to hold this share in my hands, I can see the potential of these two companies, as long as they are given enough time, the future of these two companies must be unlimited." But it's a pity, I have to make a choice now, I have also thought about it for a long time, for me, it is still the previous industry is more important, although Tencent and Blizzard have potential, but their potential is in the future, so I'm really sorry, Xiaoyuan, I'm afraid my brother can't go down with you. ”

"Ha, Brother Li, what are you talking about, and it's not a life and death, do you need to be so sad?"

Zhou Fangyuan smiled and shook his head, "Although it's a pity, this is also a normal business practice, and I can fully understand it." In fact, if it were me, when I had to choose, I would also throw away the shares of these two companies, for me, there are also more important industries than these two companies, this is a choice question, choose the most beneficial way for yourself. And like you said, we can work together again in the future, and it's not that we won't have the opportunity to cooperate in the future, so don't be so sad. ”

Zhou Fangyuan waved his hand as he spoke.

For him, the most important industry is industry, and the Internet is a money-making enterprise and an enterprise that expands its tentacles.

But industry is the root, without the root, the tentacles can not last, on the contrary, without the tentacles can grow again, as long as the roots are not broken, there is the possibility of starting again.

As for Tengxun's shares, if it is necessary, it should be thrown away, and Zhou Fangyuan will not hold on to it.

This is no longer an important question, Zhou Fangyuan still has a consideration, that is, whether Tengxun can still reach the level of the previous life, this is a question, which is why he did not cut off Hu halfway this time, but directly turned to Blizzard shares.

In fact, if he wants to cut off the beard, it can be done, for the South African newspaper company, Xiao Li must be more inclined to Zhou Fangyuan, if Zhou Fangyuan is willing to bid, as long as the price is about the same, he will still sell the shares to Zhou Fangyuan, after all, the two sides have a good cooperation, and Xiao Li has no appeal to the South African newspaper industry, so there is no need to consider the idea of the South African newspaper industry.

But why didn't Zhou Fangyuan do that? The reason is simple: he's measuring risk.

Teng Xun is very powerful, but that was in the previous life, although this life is also good, but whether Teng Xun can go to the level of the previous life, Zhou Fangyuan is really not sure.

After all, the previous generation of Tengxun was so powerful, on the one hand, it relied on a huge user base, because the user base is too large, Tengxun can succeed in almost anything, even if it can't achieve great success, but at least it won't be a big failure, and the same is true for Ali.

Another reason is that Tencents completed the ecological closed loop at the beginning of the previous life, and instant messaging, games, music, video, literature, and various other enterprises were combined to achieve a powerful Internet empire. But what about this life? Although instant messaging is still there, Tencent has lagged behind in terms of games, and those very successful games in the previous life, Zhou Fangyuan is not ready to give up to Teng Xun, at most he eats the leftovers, leaving a part for Tencent to pick up the leaks, if you look at it this way, the name of the world's largest game company in the future may have nothing to do with Tencent.

In terms of music and video, Yuanfang Group has now come to the front of Tencent, and with the already famous Yuanfang Media, it can be said that in terms of this foundation, Yuanfang Group has completely surpassed Tencent. With the ability to have a prophet, he doesn't think that his media companies and music video companies will be worse than Tencent. In the same way, literature, comics, must not be bad. Now the Yuanfang Group also has Alipay and the Yuanfang Network Butler, to be honest, when Xiao Ma is still worried about the next development of Tengxun, the Yuanfang Group has completed the layout, and what to do now is to continue to water and fertilize, and then pick the fruit after a few years or even more than ten years.

In the case of being suppressed in all directions, whether Tengxun can still reach the scenery of his previous life is really unknown.

Zhou Fangyuan has no bottom in his heart now, so he thought about it and was unwilling to continue to increase his holdings of Tengxun's shares. Of course, if he has the opportunity, he will still make a move, but to be honest, the act of raising the valuation still has to be done by other investors, and it is impossible for him to take the initiative to increase the valuation of Tengxun when he is already the largest shareholder and has no bottom in his heart, it would be stupid, he would not make such a move.

That's why Zhou Fangyuan will give up the opportunity to increase his holdings and instead focus on the remaining Blizzard shares in Xiao Li's hands.

Blizzard, in contrast, is more simple and more controllable, and Blizzard's future is now full of uncertainties, and the biggest change is the movie plan.

Movies are a very powerful form of media, if the movie can be a big success, Blizzard's game will be more successful than the previous life, on the other hand, once Blizzard's film plan is successful, it will continue to launch new movies, and the income from a series of movies is valuable for him to pay such a price to acquire the remaining shares, coupled with Blizzard's own technical strength, this transaction Zhou Fangyuan felt that it could be done after careful consideration. So he will appear here now, opposite Brother Li.

The next day, Mike also arrived on time. Under the witness of Mike, Zhou Fangyuan and Xiao Li Ge signed an equity change agreement, and the funds of 300 million soft sister coins were transferred to the account of Xiao Li Ge's company, and the equity change agreement took effect. After completing the transaction, Brother Xiao Li stood up and held Zhou Fangyuan's hand, with an emotional expression on his face, "Congratulations, Xiaoyuan, you have completely entered Blizzard, and now you own 80% of Blizzard's shares, not only the largest shareholder, but also absolute control, I want to congratulate you." ”

"Rejoice and rejoice, thank you Brother Li, for your willingness to cut your love. ”

Zhou Fangyuan said with a smile.

He was in a very good mood to be able to completely control Blizzard.

Mike was also smiling and applauding next to him, but his mood couldn't be said to be simply good or bad, after all, his company had completely changed owners, and he didn't know whether this was a good thing or a bad thing for Blizzard.