To tell whether a businessman is mixing well or not, it is more intuitive to see whether the bank asks him for a loan.

It's a bit annoying.

Fan Liancheng often receives "harassing calls" from the presidents and salesmen. It's nothing more than to understand the financial management, the top interest, or the business volume can't go up, and ask him if he wants to borrow another two or three billion, and the interest is absolutely low.

The drought dies by drought, and the waterlogging dies by waterlogging.

Many times, it is not Fan Liancheng who takes the initiative to take money from the bank, but the presidents are so enthusiastic that they often find that the interest rate is not bad, as if they can borrow a little, and they happen to invest in some business. Then, as soon as he accidentally earned money, others came to him and begged him for a loan.

Just looking at the shares of Longcheng Group held by Fan Liancheng, the total value is 29 billion yuan, and only about 20% is pledged, so today there is a big bank president, who unexpectedly learned that he was in Sijiu City, and immediately visited him in person.

I only brought good cigarettes and good wine, and I made a special trip to bring a landscape map of Master Qigong, and successfully blocked Fan Liancheng at the Langting Dragon City Hotel, and his smile was amiable.

After the other party finished introducing him, as soon as he heard that it was someone from the bank, Fan Liancheng was a little helpless, and sat in the rest area of the hotel lobby, with a smile on the corner of his mouth: "Say, how much do you want me to borrow?" I heard my father talk about this master of Chinese culture, for the sake of this painting making you bleed, if you can help, you should help." ”

When the governor surnamed Zhu heard this, he was immediately happy.

immediately said: "Look at what Mr. Fan said, your credit is directly at the top in our bank, even if it is 18 billion yuan, it is a matter of one sentence, you don't have to worry about it, I will let people come to help you personally!"

A senior executive of the head office personally went out and waited for a few hours, just to block Fan Liancheng, not ashamed at all.

As long as this business is done, there will be no problem in this year's evaluation.

Some people can't get money because they break their legs for loans, that's because the collateral is not enough, and the names of these people on the rich list are not stared at by a large number of banks.

When Fan Liancheng heard the words 18 billion, he immediately thought of the batch of shares left by Zhou Weixi before his death.

Lao Fan said that he didn't need to buy it, but Fan Liancheng thought about it afterwards and felt that it was actually okay to buy it.

When the money is needed, the shares bought back can be remortgaged afterwards, as long as the money earned by the Longcheng Group outperforms the interest paid on the loan, it will be profitable.

Even if you don't buy this batch of shares, and use them to invest in Fans Holdings, it is good to continue to carry out business in the mainland, and there is news that Alibaba is trying to raise funds, and Fan Liancheng wants to hold some shares.

The so-called lack of abundance is relatively speaking, and it is still extremely easy to take out hundreds of millions.

Not moved by the other party's beautiful words, Fan Liancheng finished reading the painting, temporarily put it on the coffee table, and asked:

"As long as the interest rate is right, it's okay for me to borrow more, but I can't restrict the specific use, anyway, I'll just invest in the mainland." As for whether to take the land, or invest in Internet companies and entity companies, I don't have much idea for the time being, the collateral is best to use Longcheng shares, and the shares controlled by Fans are also OK, and the parent company Liancheng International is in the casino, and the procedures are a little troublesome. ”

President Zhu likes to talk to cheerful people, and thinks that the gift is really not bought in vain.

In fact, I haven't bought it yet, so I just brought it first, thinking that if Fan Liancheng didn't want it, he could send it back to his friends, so as not to have the business done and be taught a lesson for no reason.

The tone was decisive, and he said: "It is definitely the lowest interest rate that large customers can enjoy, it should have been five points four for one to three years, five points seven six for three to five years, I will give you another discount, I can give you five points eight for five years and above, and five points six for you for more than three years." ”

Compared with the previous loan interest rate, it is significantly lower, Fan Liancheng was immediately moved after hearing it, involving a large amount of money, and a little interest rate fluctuation can represent a lot of money.

After a short chat, both sides took the initiative.

Fan Liancheng asked President Zhu to wait, first made a phone call back to the company, and asked what the loan interest of other banks was.

While thinking about the fixed interest rate of his company's trust and the guaranteed interest rate of the fund, he continued to negotiate and finalized a general intention first.

Feeling that the interest rate of this loan was not bad, he wanted to take more money to invest in the real estate industry, and initially negotiated a loan of 8 billion yuan with a five-year term.

The matter was negotiated, and before leaving, Fan Liancheng naturally took Master Qigong's landscape paintings away, thinking of going home to give Lao Fan as a gift.

......

Since returning home from school in the UK, the reason why the business has been able to develop so fast has a lot to do with Fan Liancheng's daring to gamble and borrow money.

Some old rich people can't keep up with the concept and don't need to borrow money, although they live a chic life, but because they are safe, they miss too many new opportunities.

From another point of view, not daring to borrow money from the bank often means that he doesn't even have the confidence to earn back the loan interest, Fan Liancheng is not afraid of tossing, and he will take it when he finds it suitable, which is not a big deal in his eyes.

Before meeting President Zhu, Fan Liancheng went to meet several good entrepreneurs.

All of them treat their own companies as treasures, there are tens of thousands of registered users, and the valuation dares to shout tens of millions, and there are two or three hundred thousand registered users, and they dare to shout tens of millions.

I don't have the ability to be proud of myself, and I learned it first, such as not being able to make more than 20% of the first venture capital, not being able to sign the right of first refusal, not being able to sign unlimited joint and several liability clauses, etc., so angry that Fan Liancheng's family did not plan to invest, pondering this kind of bad thing, it is better to hand it over to his subordinates in the future, and it is easy to be regarded as a wronged boss when he goes out.

Didn't go to Gulzar again.

That night, I called my friends and went to visit the Summer Palace together, and the next morning I flew back to the magic capital.

......

A few days later.

Fan Liancheng received an email saying that a tourist broke his arm at the entrance of the ski resort he invested, and the other party decided to sue the resort for not posting a warning post.

Another money-hungry man.

The euro is certainly valuable, but doing business in that kind of place can be a lot of trouble.

Not long after the acquisition of the resort, this is the third time that he has become a defendant, and there are two people who have had an accident while skiing, and they can always find various reasons to reach out and ask for money.

The small lawsuit does not require Fan Liancheng to go out in person, just find a lawyer to help, and reply to an email for people to handle properly, and then I saw another email, which is the company that helped him customize a hybrid sailboat, which recently began to build a traditional five-deck yacht, more than 80 meters long, with a pylons of 100 million US dollars, and asked Fan Liancheng if he was interested.

Yes, it looks cool, but this thing is enough, there is no need to buy too much.

Staying at home for a few more days, packing up and continuing to go out, Fan Liancheng inspected the land everywhere, took the opportunity to travel around the country, and finally chose to live in Lijiang for a whole week, the inn belongs to the beautiful boss Wu Anyun, she is also ......