Seeing that Zheng Fan had greeted his family and walked out of the restaurant with Fang Xinran, the blonde girl still followed him after a little hesitation.

"Mr. Zheng Fan, the price of Dafu Bank is only 800 million yuan, if you still feel that it is beyond the estimate and judgment, then how much do you say?" The blonde girl's questioning somewhat expressed eagerness.

"I have read the acquisition report of Qin Yan's chief financial officer, but there are some places that I think are not too detailed, such as huge loan losses and the bank's balance sheet. Compared with joint-stock commercial banks, privatized banks will be more free to lend, because of the imperfect relationship of the system, there are often blind investment, excessive banking business, and collusion between banks and enterprises, resulting in a large number of debts of enterprises that are difficult to repay, and the risk of bad debts of banks, but your bank does not provide this convenient data. Zheng Fan smiled in English and said to the blonde girl.

"Mr. Zheng Fan is questioning the professionalism of our Tatfook Bank?" The blonde girl's smile finally changed.

"As a bank, isn't it the most basic data on whether the balance sheet situation has deteriorated, what is the ratio of outstanding loans to total loans, and the capital adequacy ratio?" Zheng Fan took Fang Xinran and sat under a delicate grass pavilion, and said to the blonde girl with a smile.

"Miss Qin Yan didn't find our Dafu Bank for no reason, right?" The blonde girl frowned, already realizing that Zheng Fan had a goal and wanted to hit the idea of Dafu Bank.

"Privatized banks are also rare in Hong Kong, most of them uphold the ancient family and business traditions of Europe, Miss Anne, don't get me wrong, I don't mean that the Tai Fu Bank is outdated, but in the case of the increasingly close ties between the mainland and Hong Kong, the entire Hong Kong banking system has been subjected to unprecedented competition and challenges, even the joint-stock commercial banks that can raise funds through the capital market are under great pressure, not to mention the privatized banks with narrow financing channels." Since the blonde girl took the initiative to find it, Zheng Fan did not deliberately avoid it.

"Tatfook Bank is different from other privatized banks in that we have some very good quality assets, such as Tatfook's headquarters in Hong Kong and 23 branches around the world." The blonde girl obviously didn't want to show weakness.

"The situation you mentioned, mentioned in the acquisition report, including in Mauritius, your Tatfook Bank also has branches, but I am only interested in the headquarters of Tatfook Bank in Hong Kong, as well as the branches in Manhattan and London, because only these three commercial real estate projects belong to Tatfook Bank, and the remaining 21 offices are nothing more than renting other people's places, and the business volume is pitifully small, even if it is used to fill the scene, I feel that it is a burden." Zheng Fan lit a cigarette and helped Fang Xinran and the girls order juice.

"Mr. Zheng Fan, did you know that our headquarters in Hong Kong alone has nine floors, and it is a modern business plaza structure, and the same is true for the projects under construction in Manhattan and London." The blonde girl said with a straight face.

"Miss Annie, although I am a mainlander, I have not seen the world, not to mention the nine-story business plaza headquarters of Dafu Bank, when I was in Pearl City before, it was a well-equipped office building with more than 20 floors, and the price was only more than 100 million." Zheng Fan smiled faintly.

"Since you are not satisfied with the assets of Tatfook Bank, why did Mr. Zheng Fan find us?" The blonde girl asked with a sneer.

"If it weren't for Tatfook Bank, which has securities, futures, and foreign exchange licenses in the financial markets of Hong Kong, Europe, and the United States, and has an independent business premises, as well as independent market qualifications, I wouldn't have talked to you about anything at all." Zheng Fan took a puff of cigarette and spoke quite frankly.

"Mr. Zheng Fan, just say it bluntly, how much money do you want to pay to buy Dafu Bank?" The blonde teen seems to have lost her patience.

"When will Miss Anne bring the detailed data of Taifu Bank, so that I can make a new estimate of the purchase price on this basis, and if Miss Anne is troublesome, I can also ask a professional and independent accounting firm to do the asset inventory of Taifu Bank." Zheng Fan has a face that doesn't see rabbits and doesn't scatter eagles.

"Mr. Zheng Fan, you are so rude."

Regarding Zheng Fan's statement that he wanted to check the assets of Dafu Bank, the blonde girl really couldn't accept it.

"The acquisition of assets is not child's play, in foreign countries, it is very common to ask three independent financial institutions to conduct an inventory of asset quality, as the head of Tatfook Bank, Miss Anne will not even be able to bear the normalcy, right?" Zheng Fan looked playful.

"Mr. Zheng Fan, I hope you understand one thing, that is, the negotiation between Tatfook Bank and you has not yet reached the point where it involves checking the quality of assets, in other words, Tatfook Bank has not yet chosen you." The blonde girl smiled angrily and wanted to leave.

"Whether the acquisition of assets can be achieved is the result of mutual choice between the two parties, but what I am worried about is that Miss Annie, you can't be the master, as far as I know, Tafook Bank is the property of the British Bella family, and you are just a member of the Bella family, as the pace of Hong Kong's return is approaching, the Bella family's desire to evacuate Hong Kong is still very urgent, coupled with the worsening of the operation of the Bella Bank, your Bella family's determination to get rid of this burden now should be quite large." Zheng Fan was not afraid of offending the blonde girl, as if he was explaining a fact.

The blonde girl's steps to leave, after a slight pause, did not turn around, or chose to continue leaving.

"Didn't the talk go well?"

Although Fang Xinran is a top student in the law department of Fuda University, she is not proficient in English communication.

"On the contrary, the reason why she is so introverted is because I touched the sore spot, a privatized bank wants to sell, it is not so easy, I believe that neither she nor the Bella family will easily give up such a rich man as me, look at it, she will definitely come back to me." The corners of Zheng Fan's mouth turned up, looking quite confident.

"800 million acquisition funds, is too much, this accounts for almost half of the total funds of Texhong investment, if you invest so much money to acquire Dafu Bank, the future of your capital operation space, will inevitably be limited and compressed." Fang Xinran couldn't help but be a little worried about such a big acquisition deal.

"It will certainly not be able to do 800 million, since the beginning of this year, Hong Kong's investigation of foreign-funded privatized banks has been tightened, limited to a certain range to improve the capital adequacy ratio, the minimum must reach 8%, once the Taifu Bank makes provision for bad debts, the balance sheet situation will deteriorate, and even the lending capacity of the banking system will be directly reduced, which is the foundation of the bank's survival." Zheng Fan said something that surprised Fang Xin.

"So, Tatfook Bank is in a difficult situation right now, right?" Because of his major in law, Fang Xinran still has a good understanding of the mechanism operation of industry companies.

"The lack of preparation for the start of construction at Tatfook's Hong Kong headquarters, Manhattan and London offices is already a big burden, and when combined with a significant increase in the proportion of outstanding loans to total loans, it is enough to form a key factor in the bank's crisis." Zheng Fan obviously has a deep calculation.

"Even if that's true, it's not exactly a source of confidence, is it?" Fang Xinran felt that the man in front of him must be planning something.

"If it weren't for the exhaustion of mountains and rivers, how could the woman named Annie just now come to Mauritius because of Qin Yan's intention to acquire, we have an old saying, that is, to rush to the doctor in a hurry, and now the situation of Dafu Bank is completely like a person who knows how to drink water and knows it, the reason why she is still holding a shelf, but I am not sure whether I have the strength to acquire Dafu Bank." Zheng Fan looked at the sea and sky scenery, and his face showed comfort.

"Let her check it herself, will she find it back?"

Feeling that Zheng Fan dropped the bait and waited for the bait, Fang Xinran more or less understood some of the situation.

"Now it's just a mutual test, to reach a preliminary clear acquisition intention, far from so easy, the amount of acquisition funds required, the complexity of assets, is not as simple as words, conservative estimates, even if you can acquire Dafu Bank, it will take two to three months, during the negotiation experience, as well as detailed data judgment, asset review, very time-consuming and labor-intensive." Zheng Fan shook his head and smiled bitterly, showing a rare look of embarrassment.

Originally, Fang Xinran wanted to ask Zheng Fan about the reasonable price he estimated in his heart, but after listening to his statement, he already understood that at least the information obtained at the moment was not enough to form an exact basis for research and judgment.

"Even if you buy Dafu Bank, it will be after going to Hong Kong, and now let that foreign girl have a number in her heart, it is estimated that for a while, she will not come to disturb our vacation again, but you can have fun these days." Zheng Fan glanced at Fang Xinran with a lively mind.

"I used to lie to me that you came to Mauritius to do business, even if you don't mention Dafu Bank, the establishment of an offshore company is your main goal, right?" Fang happily pouted, and immediately showed a sweet smile.

"Three don't delay, not only do the company's business, but also have a wedding here, and you can travel for a honeymoon or something." Zheng Fan said with a smirk.

"The scenery here is really beautiful, if you don't have to think about anything, you don't have to think about anything, and you sit empty for a day, I guess it will be a very beautiful thing." Fang Xinran, who enjoyed the warm sea breeze on the surface, looked at Zheng Fan's gaze, but there was a look of worry hidden.

"Life is about having the courage to face all kinds of challenges, and if there are no difficulties, how can you experience comfort and wonderful." Zheng Fan got up and took Fang Xinran's slender hand, and walked towards the outside of the hotel with a smile.

(The first one will be delivered, and there will be a little later.) ）