The second floor of a friend's teahouse was completely packaged, and they were busy sneaking out to drink tea, Mo Ziyan and Chengchi were still holding their notebooks, and the Bluetooth headset was hung on their ears and never taken off, so they were not idle at all.

Fang Xiaowu is really idle, holding a book in one hand, sipping tea leisurely, occasionally thinking of something, he looks up and asks casually.

"Wait...... Wouldn't it be better to buy the Chutian Mansion at the market price? Those banks can't lose much, right?"

Cheng Chi pouted disdainfully: "If we want to buy it at the market price, what else do we earn? Whoever likes to buy it will buy it, anyway, I don't want it." ”

Mo Ziyan didn't talk nonsense, but whenever she had the opportunity to educate Fang Xiaowu, she would definitely not miss it - since that killing night, this kind of opportunity has become less and less, and she will not miss it.

Raising her head and pushing the large anti-radiation glasses, she said seriously: "The first question is here, who will buy it at the market price?"

Fang Xiaowu took the pen and paper casually and wrote two words, price.

“OK。 And second?"

"Second, where is the ownership of Chutian Tower?"

Fang Xiaowu was stunned all of a sudden, Chutian Mansion not only has a second mortgage, but also a joint loan, it is a big bad debt, who owns it?

"This is the problem, there is no main and leading bank for joint loans, everyone shares the property rights of Chutian Building, but because there is a second loan, the situation is extremely complicated, even if the bank has the first mortgage, it still cannot guarantee all the rights. ”

With Fang Xiaowu's current IQ, it is not difficult to understand these contents, he wrote "mortgage dispute" on a piece of paper and continued to listen.

Mo Ziyan took a sip of tea to moisten her throat, and asked with a smile: "Do you think it is better to wait for Chutian to go bankrupt and conduct a judicial auction, or to jointly auction it with property owners now?"

This issue is complicated, Fang Xiaowu has dabbled in some company law bankruptcy laws, but in practice, the situation is difficult to predict.

"So that's the third point, time?"

"Yes, time is money, not only for us, but also for banks. It is worth sacrificing to be able to cut through the mess quickly. ”

In the end, the teaching is already a matter of position, not academic.

In short, the bank has the position of the bank, and the theoretical optimal solution is to auction off the Chutian Mansion at the highest price possible, and all the banks will lose no or little loss.

In reality, it can't be done at all, so the real viable option is the "least bad" one – i.e., sell at a loss as soon as possible.

In logic, "the best" and "the least bad" are two different concepts at all.

This is the reason why reality is often more nonsense than - to talk about logic, reality does not need at all, and a large number of "least bad" choices, and even a large number of "not worst" choices, together constitute the environment in which we live.

Mo Ziyan finally concluded: "You see, although the joint loan joint auction has constituted a certain amount of bad debts, no one will be held accountable for this, but we will be grateful, is it cost-effective for those in charge?"

"After that, we have to borrow from several major banks in turn......"

Fang Xiaowu asked rhetorically: "The recent monetary policy is stable and neutral, and the money is tight, which is expected to last until at least the second quarter of '18, and the supply of bank loans exceeds demand, is it necessary for them to do so?"

Cheng Chi raised his head and interjected, "Of course it's necessary." We don't have to worry about the loan at any time, but it is not so easy to find a good loan partner for a large loan, compared with Chutian and others, how safe and worry-free are we?"

"In fact, the bank has always been this urine, and they really need money, and they don't let it go. Those who don't need money, they chase after lending. ”

"Do you believe it or not, if our 500 million is loaned out of a branch, the president will be promoted by the end of the year?"

Fang Xiaowu wasn't sure if that was the case, but Da Mo's face was quite unsightly...... The old lady trained Xiao Fangzi, what are you doing here?!

Take what you can!

Glancing at Chengchi quietly, Da Mo always took over the conversation.

"In fact, it's not just loans, we are not short of money, so I talked to them about a special deposit account, which is basically a deposit according to the loan ratio, which can deduct a considerable part of the loan interest. ”

"Be diligent and thrifty!" Cheng Chi gave a thumbs up, and then immediately lowered his head, no longer mixing in the topic of the two.

Fang Xiaowu had fully understood the bank's intentions, but he was not yet clear about the benefits that his side could gain from it.

"So, what price will Chutian Mansion probably be sold at?"

It is estimated that it has been calculated many times, and Mo Ziyan opened her mouth to come: "More than 6 square meters, the market price is 2.5 per square meter, and the whole building is sold for at least 1.3 billion, and if there is a special need, 15 or 600 million is hopeful." ”

"But if we auction it, more than 800 million will be counted as my loss. ”

I'll make 800 million in one go?

Fang Xiaowu was not short of money, but he was still speechless, and sighed again and again: "Black, it's really black!"

Cheng Chi remembered whether he ate or not, and raised his head again: "Have you ever seen a city commercial bank collapse an enterprise, 50 million to get a 200 million building! Now it's only a 5% discount, where is it?"

Well, I'm young and kind, and I'm really not as black as you......

However, Fang Xiaowu was still a little worried in his heart: what he was thinking about now was very good, but with such a big benefit, what if someone was red-eyed?

If it's really an auction, someone will stick in and the price will go up, this time the pot meat, to eat or not to eat?

In short, the money is empty before it arrives, and the theoretical benefits are just the direction of efforts, and it is not too late to be happy in your pocket.

Now...... It's still important to read.

A few people stopped chatting and went about their own business.

During this time, Fang Xiaowu saw the stitches and didn't put down "The Beauty of Mathematics" for a day, and finally read the book to the fullest.

[You read "The Beauty of Mathematics" once, gain 4% proficiency, and 100% current proficiency]

[Thinking Talent +1, Language Talent +1]

The learning talent has not increased anymore, because it has grown to its current limit - not 100 points, but 90 points.

According to the system, the level 3 system can only increase the talent ability to 90 points at most, but the 10 free ability points are not limited, and the learning talent can be increased to 95 points according to the calculation of 2 points and 1 point of talent ability...... Still useless.

95 points is not a significant improvement over 90 points, in fact, less than 100 points to make special effects, 99 and 90 are not much different, because the overall is already very high.

Now, Fang Xiaowu's innate ability has changed greatly.

[Learning Talent 90, Thinking Talent 88, Language Talent 70, Strategy Talent 63, Driving Talent 32]

Ordinary abilities are a bit pitiful in comparison, and they are not as high as the innate abilities that are more difficult to improve.

[Flirting 90, charm 85, ventriloquist 85, marksmanship 80, observation of words and color 74, acting skills 73, acupuncture 68, immunity 62. ]

】

In general, moral, intellectual, physical, aesthetic and labor all-round development, especially the ability to work, never complain of hardship, never shout tired, red scarves soaked in sweat fluttering in the wind.

Finally, it is the main event, the big move of "The Beauty of Mathematics".