This feeling is very bad, very bad, after the operation of the Lanrun Group is not so smooth, and there are many places where various sections need liquidity now, especially the IESDA that has just been merged into the Lanrun Group, and there are more places that need funds to fill the loopholes.

Soon, Lanrun Group found that it needed a large amount of money to maintain the operation of the entire group, and this amount of money was not at all possible without more than 20 billion yuan.

Therefore, after the high-level meeting of Lanrun Group, everyone agreed that the group needs to inject new funds to keep various business channels unblocked.

This time, Lanrun Group needs a large amount of loans, at least more than 30 billion yuan, and it is US dollars, this huge loan is almost impossible to borrow in China, and Huarong Jiangli Bank, the largest world-class private bank, is not good.

Because Pan Huanghe, president of Huarong Jiangli, also said that he does not have the ability to take such a big risk and pressure here, he can only take out a mortgage and cannot exceed too much of the budget.

Different from the last loan of 10 billion US dollars, this time Lanrun wants to carry out risk loans, and the most famous venture capital banks in the world are currently two in Switzerland except Citigroup.

Qin Lang was holding a Citibank black gold card, so he decided to go to Citibank's headquarters to give it a try and see if he could achieve his wish.

Financing is what Lanrun Group or Lanrun Pharmaceutical must do at present, and if the financing is successful, the scale of Lanrun Pharmaceutical will reach a higher level.

Of course, even if the financing fails, there is nothing, and Qin Lang does not lack the means of a strong man to break his wrist, and he will not let the business really fail.

So in the next few days, Qin Lang took Tang Qian, the group's two senior general managers, and Tang Xue, the financial officer, to the headquarters of Citibank by plane.

Country M, Citibank Headquarters.

As one of the world's three largest banks, Citibank has a long history, dating back at least to the twenties and thirties of the last century, and the headquarters of this world-class bank with a history of nearly 200 years is naturally magnificent.

It is a major international bank with branches in nearly 150 countries and regions around the world, and its business includes credit, corporate and investment banking services, brokerage, insurance and asset management, which can be compared with any other financial institution.

More than 10 years ago, in the top 1,000 banks in the world evaluated by the European and American "Banker" magazines, Citi ranked first in the world with a Tier 1 capital of 59 billion US dollars, total assets of 1.097 billion yuan, and an annual profit of about 15.28 billion US dollars.

At this moment, Qin Lang took Tang Qian and Tang Xue into the Citi headquarters, only to see people coming in and out of the hall, a scene of incomparable prosperity.

The headquarters of this world-class bank is extremely spacious, and Qin Lang finally asked where the investment department is located, and brought his two daughters to the investment department.

The business branch of the investment department has several financial management windows, and Qin Lang did not go to the ordinary financial management window because he held a black gold card, but went directly to the VIP financial management window.

However, there are a lot of people queuing up at the VIP window, and all the business here is big, and less than 50 million US dollars are not qualified to come to this window to do business.

Qin Lang swiped the black gold card, took a queuing slip and began to wait in line to handle the business.

In about an hour, the people in front had basically finished handling the business, and at this time, Qin Lang was about to step forward to handle the business, when a guy suddenly appeared and ran in front of him to take up the number.

"Hey, it looks like I'm in front!"

Qin Lang lit up his queuing slip, he was number six, and the other party seemed to be number seven in his hand.

The one in front of him was a middle-aged man with an oriental face, short and fat, and looked at Qin Lang with disdain: "I am the chairman of Yingtai International Electronics, Park Chengjian, one of the world's top 500 companies, tens of thousands of dollars float every minute, and this time I am busy handling a large order of one billion dollars, and time is very precious, so you can talk about it later!"

His words were very scathing, and with that disdainful expression, it really made people want to punch this fat man in the face to vent.

"Damn! It's reasonable to occupy the number! I still float up and down hundreds of thousands of minutes every minute!"

Of course Qin Lang didn't let it, Yingtai International Electronics He had heard that this is a stick company, which happens to rank 500th in the world's top 500, which is far worse than his own Lanrun Group.

You must know that now your Lanrun Group is ranked 321st in the world's top 500!

Qin Lang, who was very unhappy, stepped forward to pull away this very rude guy, but the other party took a step back in disgust.

"Guard! Guard!" Pu Chengjian, the stick, called the security guard next to him, pointed at Qin Lang and said, "Please drive this guy out of me!"

"This, it doesn't seem appropriate, right?" the security guard looked at Qin Lang, and then said to Park Chengjian.

"What? Doesn't what I, a big customer with a loan of one billion dollars, say it doesn't count? Let me tell you, I applied for your Citigroup's black gold card a few days ago, and people with status like me can afford you when they talk to you as a little security guard, so hurry up!"

Park Chengjian frowned and said impatiently.

"Uh......"

The security guard hesitated for a moment, feeling as if it was the same reason, and was about to step forward to do what the stick said, but Qin Lang took out a black gold card and flashed it at the security guard at this time.

"That's what that guy said about the black gold card, right? Hehe, it just so happens that I also have one, security guard, are you listening to this guy now, or are you listening to me?"

Qin Lang asked with a smile.

"This ......"

The security guard was stunned and saw the black gold card in Qin Lang's hand, sure enough, this is a limited edition issued by Citibank, and it is basically impossible to apply for it without a net worth of more than 10 billion US dollars.

"Okay, this guy in front of me is noisy and rude, security guard, you pull him away for me, I don't want to see this person again when I am doing business. ”

Qin Lang waved his hand, frowned and pointed at Pu Chengjian. "Trust me, this client should be a little bigger than this guy, so you'll have to listen to me in the end. ”

"Okay. ”

When Qin Lang showed Shi Xiu of the limited edition black gold card, the security guard was also startled, and he didn't think much about it at all, and directly pulled that Park Chengjian away.

"Hey, hey, you can't do this, you can't do this! My black gold card is being processed, and I can be regarded as a member of the big customer......

At the same time as being pulled away, Park Chengjian was still shouting, but unfortunately the security guard only recognized the card and did not recognize the person, who knows if this stick has applied for a black gold card? After all, the ability of the stick to brag is world-famous, and it is likely that Park Chengjian has never applied for a black gold card at all.

After pulling away an annoying guy, Qin Lang walked to the VIP window at this time and handed over his list and application materials, took the list and looked at it, the business manager of the VIP window had straight eyes: "Loan of 30 billion?"

After wiping his eyes to make sure that he was right, the business manager took a serious look at some of the evaluation materials provided by Qin Lang, and indeed after some information of Lanrun Group, he raised his head and said to Qin Lang: "I'm sorry, the big order of 30 billion yuan, with the audit level of my business manager, is not qualified, you wait for me to ask the superior leader." ”

"Okay, it's fine. ”

Qin Lang at the window looked very calm, because the loan amount was relatively large this time, he was also prepared for the loan not to be approved.

If you can't get it, then you can borrow less, try 20 billion US dollars, but if you can't do it, 15 billion yuan is fine. Soon, Qin Lang, Tang Qian, and Tang Xue were invited to a separate VIP room at Citibank's headquarters, and this time they were met by Mi Lu, the head of Citibank's market investment department.

It was a very handsome Caucasian man, with silver-white hair, and was about forty or fifty years old. Mi Lu in the VIP room saw Qin Lang and the three of them, and first stretched out his hand: "Welcome, Mr. Qin and the two ladies from Huaxia." ”

"Hello!"

Qin Lang and the three of them also smiled and stretched out their hands and shook hands with this Mr. Milu.

Then a few people sat down, and Milou asked the bank staff to bring a few cups of coffee: "This is the original coffee that has arrived in Brazil, a few of you will taste it first, I need to take a look at the loan application report and preparation materials you gave me." ”

"There's no hurry. ”

Qin Lang nodded, took the coffee and tasted it, this Brazilian original coffee is very bitter, but it is very fragrant, Europeans and Americans generally love to drink this.

Coffee has the same refreshing effect as tea, but Qin Lang himself still likes to drink tea, which is also the habit of Easterners, just like Westerners like coffee.

Soon, Mi Lu, the head of the investment department of Citibank headquarters, read the information, nodded and said: "According to this information, our Citibank can lend you Lanrun Group, but before that, we also need to conduct a non-performing asset investigation on your Lanrun, that is, the risk rating." ”

"After the risk rating, we can determine the specific loan amount to be given to you Lanrun Group, as well as the amount of principal and interest that Lanrun needs to repay every year. ”

"At Citi Travel, there are seven different levels of risk rating for investment: S, A, B, C, D, E, and F, among which the S rating gives the highest amount and interest discount, and according to different risk ratings, Citi gives each customer a different loan amount and interest. ”

"Okay, no problem. After Qin Lang heard this, he nodded.

Milou continued: "In addition, for the risk rating of large customers, Citi generally starts with a D grade, D represents the maximum loan amount of 500 billion US dollars, D grade represents the maximum loan amount of 10 billion US dollars, and B grade is the maximum loan amount of 20 billion US dollars, A level is the maximum loan amount of 30 billion US dollars, and S level is the maximum loan amount of 50 billion US dollars. ”

In other words, if Lanrun Group wants to borrow $30 billion, it must reach an assessment value of A or above in Citi's risk rating. In the past, the objects we cooperated with Citi were generally government agencies in various countries around the world, and private group enterprises were not absent, but relatively few. ”

"In view of the fact that Lanrun Group is currently a well-known enterprise ranked 320 in the world's top 500, and its pharmaceutical, cosmetics and real estate development momentum is very good, it is a sunrise group enterprise, and all the loans obtained are used for the construction of the development group is also in line with Citi's investment philosophy, so I estimate that this time the risk control rating will be relatively high, and it should not be difficult to reach the A level. ”