The more Zhou Liwen's tone on the phone was understated, the more Yao Liang felt in his heart. At this moment, he regretted that he was too close to President Su, after all, since Zhou Liwen first asked him to help him make a mortgage, he has not treated him badly in the past few years, not to mention the benefits he has taken, and after taking Zhou Liwen's boat, he Yao Liang not only rose to prominence in the old unit, but then became a quasi-senior member of Huhai Bank by engaging in the Alipay project. It can be said that without Zhou Liwen, that is, without Yao Liang today.

I don't know if it was the lard that blinded my heart or which nerve in my head was wrong, but I actually listened to the nonsense of the surname Su, and the ghost made a gun for him. Zhou Liwen was able to start from scratch in just a few years and become a rich man with hundreds of millions of assets, how could he be deceived by the little trick surnamed Su? What's more, his Yao Liang's ascension to the throne completely depends on Zhou Liwen, if there is no Zhou Liwen, how can he sit in his current position? Not to mention the small bungalow he lives in now, isn't this all brought to him by Zhou Liwen?

Wiping the cold sweat on his face, Yao Liang felt that if there was a bottle of regret medicine in front of him, he would definitely drink it without hesitation. As long as Zhou Liwen is maintained, with the cooperative relationship of Alipay, even if he can't stay in Huhai Bank, can't he go to other banks to get a good position? It's a pity that it seems a little late to wake up now, although Zhou Liwen hasn't torn his face with him for the time being, but there is that obvious politeness in his tone, which makes Yao Liang feel an unprecedented crisis.

"Brother Zhou, I know that you are dissatisfied with our bank, to be honest, the head of this industry was originally from a credit union, and the cultural level is not high, and it is inevitable that your vision will be shallow. But you have to believe me, I have always been on your side, and I spoke for you when I first mentioned the matter of Alipay. ”

"I know, hehe...... Hehe....... Zhou Liwen snorted haha.

Hearing this answer, Yao Liang's heart sank, he knew that if he didn't show some real things, I was afraid that it would be difficult to cooperate with Zhou Liwen in the future. And Zhou Liwen also reminded Huhai Bank in this way that there are many things in the world, and he can still do business without Huhai Bank. But if there is no Zhou Liwen, he Yao Liang will be completely finished.

"Brother Zhou, if we don't meet, there are some things that are not too much to say on the phone."

"No need, I'm in Xiangjiang now. Didn't I sue you just now, the cooperation with Huhai Bank will continue, you can rest assured. ”

"It's strange that I can rest assured." Yao Liang said in his heart, but with a pleading tone on his lips: "It's okay, the plane from Huhai to Xiangjiang is very fast, I'll book a ticket now, and I'll be here in a few hours, Brother Zhou, we are also old friends, so let's give my brother this chance?" ”

Zhou Liwen thought about it on the other end of the phone, and just when Yao Liang thought that Zhou Liwen was going to hang up the phone, the voice finally rang.

"Okay, you will come directly to the Mid-Levels Villa after you arrive, and the address is ......."

"Okay, I'll make a note, thank you Brother Zhou, thank you Brother Zhou!"

Yao Liang was really anxious, and immediately ran to President Su to report after hanging up the phone, and after learning the results of the report, President Su's face was not very good-looking, and he seemed to regret his clever tricks before.

Seeing that President Su was slow to make a decision, Yao Liang had no choice but to put forward his own proposal. After listening to his advice, President Su thought about it, sighed and nodded, and agreed to let him do it.

Leaving the president's office, Yao Liang rushed to the airport without stopping, and bought a recent flight to Xiangjiang at the airport. At half past four in the afternoon of the same day, Yao Liang's plane landed in Xiangjiang, trotted all the way out of the airport to board a taxi, and rushed to the villa in the middle of the mountain.

When he arrived at the mid-level villa, it was almost six o'clock, Zhou Liwen was sitting in the living room watching the evening newspaper that had just arrived, and when he saw Yao Liang arriving so soon, he nodded at him with a smile in surprise.

"Brother Zhou......."

"Come with me over there." Zhou Liwen got up and walked towards the small garden outside, Yao Liang hurriedly followed, and fell behind him like his entourage.

The garden of the mid-level villa is not big, and it can be said that it is much smaller than Zhou Liwen's mansion in Shanghai. However, the mountains are close to the sea, and the scenery has a different taste, Zhou Liwen took a few steps, stopped and turned around.

"You don't have to be in such a hurry."

"Brother Zhou, I think it's better for me to come here."

These two sentences of dialogue seem to be a bit clueless, but both sides understand what they mean. Zhou Liwen nodded slightly, signaling that Yao Liang could say something.

Face to face, Yao Liang knows very well that if Zhou Liwen's forgiveness cannot be obtained today, the cooperation between them can basically come to an end. Therefore, before coming, Yao Liang thought about how to talk to Zhou Liwen, and as soon as he opened his mouth, he apologized to Zhou Liwen, expressed the greatest sincerity and apology to Zhou Liwen on behalf of Huhai Bank, and agreed to say that he deliberately tested Zhou Liwen because of President Su's instructions, and said that he was sorry for Zhou Liwen in this matter.

Zhou Liwen sighed lightly when he heard this. He also made preparations before Yao Liang came, after all, we are friends, and the previous cooperation was good, plus Zhou Liwen really needs a person in the bank, for him, Yao Liang is the role he chose. Although Yao Liang disappointed him in this matter, and even had the idea of abandoning him, if Yao Liang could recognize his mistake and make it clear to himself, it would not be impossible to let him go. After all, if there is a different person, Zhou Liwen can't guarantee that others can completely stand on his side, not to mention that Zhou Liwen knows a lot about Yao Liang's character, personality, hobbies, shortcomings, etc., plus there is this incident as a knock and reminder, and the probability of regenerating problems in the future is smaller.

When he heard Yao Liang tell himself and Pan, Zhou Liwen's heart gradually let go, and he felt that this little comrade should belong to the object that could still be saved. After listening to Yao Liang's words quietly, Zhou Liwen asked Huhai Bank bluntly if there was anything substantive besides the verbal apology.

"Yes, yes! Of course! Yao Liang was very happy to see Zhou Liwen raise this question, not only was he not disappointed, but Zhou Liwen's attitude said that he was still willing to continue to talk with himself, and he was also willing to continue in-depth cooperation with Huhai Bank. As long as you are willing to talk and cooperate sincerely, it is normal to give away some benefits as sincerity, and Yao Liang has been authorized by President Su before he came.

Immediately, he told Zhou Liwen that the bank decided that for the previous cooperative acquisition of unfinished buildings, Huhai Bank would reduce the original valuation by another 1ooo yuan, and at the same time invest an additional 1500000 yuan in the opening of the cooperation, but the final interests of both parties will not change.

"250,000, hehe, it seems that your Governor Su has made a bloody investment." Zhou Liwen smiled, but the irony in his words was that even the deaf could hear it. Cooperate with Huhai Bank to acquire unfinished buildings, which is Zhou Liwen's plan to prepare for the Guo's headquarters building. At present, from the perspective of the real estate market, the input cost of directly granting land to build a building is too high, and although Zhou Liwen has plenty of funds in his hands, he does not want to invest so much money in this project in vain.

Moreover, the construction cycle of such a building is too long, from infrastructure construction to acceptance, it cannot be completed in one and a half to two years. Zhou Liwen knows the real estate market very well, and when Guo Tao first proposed this idea to him, he had his own other plans.

This calculation is also very simple, that is, to directly acquire unfinished buildings for follow-up. There are several advantages to this operation, first: although the unfinished building does not sound very good, after all, it is a half-built or even capped building, as long as the follow-up construction works are completed, the building can be built in a very short time. Second: Compared with land development, this not only shortens the project period, but also allows Zhou Liwen to get the benefits of quick return in capital turnover. As long as the completion and acceptance are qualified, the real estate can be officially sold, even if it cannot be sold, mortgage a few floors to the bank, and also make every effort to recover the funds. And the third: and most crucial, that is, the nature of unfinished buildings is different. Unfinished buildings, as the name suggests, are real estate projects that cannot continue to be built due to the lack of funds in the first two years of the state's regulation and control of real estate, and the bank's policy of tightening the bank's monetary system. Such properties are currently held in escrow by banks or assets in the bank's name as collateral for debt. Cooperation with Huhai Bank is much more convenient in the operation procedures, and it can also use legal bad debts, bad debts and depreciation to re-evaluate the real estate, so that only 7o% or even 5o% of the original funds can be obtained from the bank.

It is for these reasons that Zhou Liwen will engage in such a cooperation with Yao Liang and Huhai Bank. Just like the real estate they are talking about now is almost capped for example, this real estate according to the design, the total investment capital is 300 million yuan, and nearly 200 million funds have been invested in the early stage, of which 470 million yuan is opened by the business, and the remaining part is all from the bank loan. After the capital chain of the developer was broken, the real estate became an unfinished building, and the original developer did not know where to hide because he could not repay the bank's loan at all, and the bank took the real estate to the bank as a debt collateral as a matter of course.

According to the procedure, the current valuation of this property is 200 million, and the developer borrowed 153 million from the bank. In terms of asset ratio, the bank has no losses, but don't forget that the bank is not building houses, let alone real estate, and it is impossible for the bank to continue to open the real estate on its own. What's more, the current real estate market is in a depression, and every real estate developer is full of debts, and it is too late to hide from everyone, who has the courage to take such a hot potato.

Banks rely on absorbing savings and lending money to maintain their operations and make money, and banks are not trading companies, still less are they engaged in industry, and only when they have money in hand can banks make money with money. A real estate is worth a lot of money, but if you put it there and can't sell it, it's garbage. As soon as one enters and one exits, the bank has to bear a huge amount of interest losses every month, which is extremely more than worth the loss for the bank's operation.

Of course, this unfinished building does not belong to the name of Huhai Bank, but belongs to the collateral of a commercial bank in Huacheng. However, banks naturally have their own internal channels with each other, and some banks will appropriately transfer and package some debts that have not been able to be handled for a long time in order to deal with debts. Zhou Liwen's eyeing of this unfinished building is to fight this idea, although Zhou Liwen does not have this channel, but Huhai Bank has this ability! So after discussing with Yao Liang, the two hit it off, and Huhai Bank came forward to buy the debt at an internal price.

According to the initial agreement, the debt of 200 million yuan is converted into 100 million, of course, this is the price given by Huhai Bank, as for how much Zhou Liwen really got in their hands, it is unknown. Next, after the completion of the construction of this unfinished building, we must continue to invest 100 million follow-up funds. Among them, Zhou Liwen accounted for 7o%, and Huhai Bank accounted for 3o% as a participant. That is, Zhou Liwen needs to invest 140 million, and Huhai Bank needs to invest 60 million to get a business building with a total value of 300 million.

This is more than trading for Zhou Liwen, and Huhai Bank must have made a lot of money in it, and he can also take this opportunity to open Huhai Bank in Huacheng and use this building as the headquarters of Huacheng Branch.

Now, Yao Liang told Zhou Liwen that in order to show sincerity, Huhai Bank took the initiative to reduce and increase the investment of 250,000 yuan, which means that Zhou Liwen obtained the benefit of 5ooo yuan in one of them, and from a certain point of view, this sincerity is enough.

But what surprised Yao Liang was that Zhou Liwen did not accept this proposal, but on the contrary, rejected the plan of Huhai Bank.

"Brother Zhou, ...... are you?" Yao Liang was anxious and hurriedly asked Zhou Liwen if he still refused to forgive him.

Zhou Liwen waved his hand and said with a smile: "The price reduction is 1ooo million, I accept this, as for the additional 15oo in the back, forget it, some cheap can be taken advantage of, and some cheap are better not to touch, after all, everyone's proportion is over there, and it will be a little troublesome if someone doesn't talk about this matter well in the future." ”

"Brother Zhou, you are absolutely relieved, when the time comes, we will revise the contract again to ensure that there will be no end to it." Yao Liang felt that Zhou Liwen was too careful, and in his opinion, it was completely unnecessary, so he immediately enthusiastically persuaded him.

But no matter what Yao Liang said, Zhou Liwen always shook his head and refused. Seeing that his attitude is so resolute, Yao Liang has no choice, as long as he does what Zhou Liwen wants.

"I have one more request, if your bank can meet ......."

"You say what you say."

Zhou Liwen looked at Yao Liang and asked with a smile: "I heard that your bank is discussing with HSBC, commercial banks and several financial investment institutions about cooperative financing and shareholding?" I would like to ask, if I also introduce a financial investment company from Hong Kong to join the negotiations, can I cooperate under the same conditions? ”

"Ahh

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