(Thanks to my friend mochaX2 for the encouragement, thanks to my friend luciferfiend, and the inverted black and white 2037 monthly pass for encouragement)

The sheep in the pasture were roasted by Liu Heming himself, and the taste was of course impeccable.

While eating, TC gave a notice that there was another guest arriving today, and the identity of the person who came was very interesting, Michael from Citibank.

This surprised Liu Heming, if he hadn't known, he would have been able to make an appointment for Partridge and Michael.

"Michael, there's definitely something going on here so late. Let me guess, did you also come to invite me to apply for your bank black card?" Liu Heming joked after Michael entered the house.

"You guessed it right, I really want to invite you to become the cardholder of our Citibank Supreme Black Card. Michael didn't joke, but nodded directly.

"No, what the hell are you doing? I don't usually see people, but now when we meet, I ask you to apply for a card, and those who don't know think you're a credit card salesman." Liu Heming said with a smile.

"Dexter, I have something important to do this time. We, Citibank, have decided to open a first-tier branch in Xiangshui Township, who will talk to about it?" said Michael.

"I'm very welcome to this matter, so I'll apply for your bank's black card by the way, and I won't let you give me no annual fee. Liu Heming hugged Michael's shoulders and said enthusiastically.

"I have to talk to Suzanne about the location of the branch, so I don't have to worry about it now. We're eating roasted whole lamb, and you fill your stomach first, and then we'll talk about it. ”

Now in his eyes, Michael is much more endearing than Partridge. Citibank is a serious person, with Citibank's entry, it can expand the advantages of Xiangshui Town, not to mention that Citibank also plans to set up a first-class branch.

"Dexter, isn't it too obvious for you to do this?" Seeing that Liu Heming was very enthusiastic about cutting meat for Michael, Partridge asked with a little depression.

"Haha, don't blame me, who made you **** have not officially decided. As our first bank in Xiangshui Town, of course I have to take good care of Michael. Liu Heming shrugged his shoulders and didn't hide it at all.

"Michael, why did you remember coming here today?" asked Partridge, looking at Michael again.

"Of course, I came here because I saw you coming. After a long flight, this roasted whole lamb tastes really good. Michael said with a smile, and there was nothing to hide.

In fact, it is useless for them to conceal it. Everyone's identity is here, and sometimes some things are better to be put out directly.

Moreover, Liu Heming promised them before that there would only be two banks in Xiangshui Town, so it was not a big question who came first and who came second, and they all took a fancy to the future of Xiangshui Town.

"Aren't you all profitable to open a bank?" Liu Heming asked curiously after laughing for a while.

"Of course, opening a bank is very profitable, but it is also very risky. Partridge smiled and nodded.

"Banks are the most susceptible to the state of the world economy, and there are many areas in which banking is involved. If any one goes wrong, it is easy to affect the entire industry. ”

"Is there such a banking industry that is sure to make a profit? I'm going to try it out. At least you can bring me some pocket money, but now the funds are a little tight, and you have to pay an annual fee for your black card. Liu Heming said.

"Dexter, don't you be pitiful here, okay?" said Michael, a little helplessly.

When he was chatting just now, he also figured out what this meme meant by the annual fee-free stalk. He couldn't understand how Liu Heming could still care about such an annual fee.

"Dexter, open a safe deposit box. I think if you can build a nice vault, someone will send you valuable items to keep them. Kroenke said.

"Is this profitable?" Liu Heming asked curiously, turning his head to look at Michael.

"Of course, the cost of renting a safe deposit box consists of rent, deposit, signing the agreement, and the cost of using the safe deposit box. Michael said with a smile.

"A larger vault will always have tens of thousands of large and small safes, and even if the smallest safe is $50 a year, the rent alone is a lot of money per year. ”

Liu Heming estimated it in his heart, and then shook his head, "The profit is still too low, even if there are 20,000 safes, it is only a million dollars a year." I buy equipment and hire security personnel, and it's not easy to make money back. ”

"It's better for me to farm, and I can earn almost this money with a year's income from a greenhouse, and it's very worry-free. It seems that I have no chance to earn this money, so I can only give it to you. ”

Partridge and Michael both rolled their eyes a little, can the account be counted like this? Is there anyone in the world whose ranch produce sells as expensive as yours?

Moreover, the safe deposit box business is only a subsidiary business of the bank, otherwise such a large treasury would be idle. Even if it's a million dollars, it's not a small number.

However, they complained in their hearts, and they can also be sure of one thing from Liu Heming's words just now, that is, the profits of Liu Heming's agricultural products are really high.

A greenhouse makes a million dollars a year, and the greenhouse in his ranch is now a large area, how much money does this have to make?

In fact, they all know that Liu Heming's ranch can make money, but they didn't pay much attention to these greenhouses in the past, and only stared at truffles, morels and other products.

Now that I have a general understanding of the revenue of Liu Heming's ranch, the income of the greenhouse can reach such a high level, and the income of the rest of the items on the ranch may not be low.

After dinner, Liu Heming brought out some fruits, which were actually strawberries, melons and watermelons. At present, there are only three things in the pasture, and it is always difficult to use tomatoes to make up the number.

"Partridge, you **** also have to work hard, if you can, I think it's better for us to make a joint announcement between the three parties. Liu Heming said with a smile after putting down the fruit plate.

"Although your two banks are competing, we have the same wish on the goal of developing Xiangshui Town. Only if Xiangshui Town is developed well, I can collect more taxes here, and there will be more business over there. For us, only when Xiangshui Town is truly developed, can we all make money. ”

"What else do you care about the taxes? What you care about most is the rent of those properties, right? Michael said with a smile.

"Even if it's not a lot of taxes, I care, it's going to get more and more. The rent collected for the property is just a fixed number, so that there is no sense of joy in the situation where there is no increase in sight. Liu Heming said with a smile.

"Dexter, how is Xiangshui going to collect rent in the future?" asked Partridge curiously.

"Like your two banks, Wal-Mart and Tagita and Hyatt are my most important partners, so I'm just selling you land. Liu Heming said with a smile.

"But I plan to rent those shops at $500-900 per square foot a year, which is not very high, at most it can squeeze into the top 10 in the world. ”

"Dexter, will it be too high, will the consumption power of Xiangshui Town be able to support it in the future?" asked Michael with a frown.

"It should be about the same, and when Xiangshui Town starts operating, there will be some concessions in terms of rent for the first two years, and it will return to normal standards in the third year. Liu Heming said.

"Although I am not as prosperous as the upper section of Fifth Avenue, Hong Kong's Causeway Bay, Paris's Champs-Élysées and London's New Bond Street, Xiangshui Town will be built into a high-end living area in the future. ”

"The reason why luxury goods are called luxury goods is because the prices of these goods are somewhat unaffordable for ordinary people. But in the future, if the population level of Xiangshui Town is higher, and the income level of the people is higher, will these luxuries still be luxuries?"

"The rent on Fifth Avenue is more than $3,000, and the rent in Causeway Bay in Hong Kong is more than $2,000 a year, and the rent on my side is already much cheaper than theirs. ”

"And don't forget that I'm going to be a good place for tourists in the future. In the future, if I build a playground or other entertainment projects, I can attract more people to play here. ”

"In the future, when you come here, you'll be able to enjoy world-class food, the best entertainment, great scenery that you won't find anywhere else, an extraordinary experience, and you will be able to enjoy shopping to the fullest. ”

"Do you think the maximum rent in such an area is not more than $900, which is still high? Actually, I would like to work hard for $2,000, but I have to slowly cultivate merchants to settle in. ”

"Dexter, I take back what I said this afternoon, if this can really be done, I think the future development of Xiangshui Town will not have any pressure in terms of funds. Partridge said with a wry smile.

In the afternoon, it is estimated that the overall development fund of Xiangshui Town will be about 30 billion US dollars, because some universities account for most of the expenditure.

But now that I think about it, this number seems to be really stressful for Liu Heming. As long as the construction of Xiangshui Town is completed, this side will become a golden nest.

What Liu Heming just looked forward to can be realized. At the very least, the Rainbow Lake is already a world-class landscape, and if he improves it with supporting facilities, it will be much more attractive to tourists.

Regardless of the brand store, the key factor to measure the business prospects of a place is tourists. Only when there are more tourists can we increase sales.

Looking at it this way, Liu Heming's rental price is not outrageous and is within the acceptable range. How big is the planned area of the commercial area of Xiangshui Town? Such a large construction area will create profits for Liu Heming every year.