"Zhang Sheng, Cao Sheng, you are all understanding people, I will no longer hide it from you. Pen %Fun %Pavilion www.biquge.info"

Ye Jingcheng had already prepared a statement before he came, and now he just explained according to the cooking bowl: "In fact, at the previous bidding meeting, I bid for a piece of land with a few friends, and planned to use this money for development. ”

"I understand that." Zhang Mingtian nodded, it was not a nonsense. He and Cao Yao were also present at the last bidding meeting held by the government, the purpose of which was to understand the situation of the real estate industry.

What to say about the overall situation, if you look at the current situation, the room for growth is still very large, but the risk to bear is also relative.

As a person who came from Lu Le's period, Zhang Mingtian witnessed several ups and downs in real estate, especially in the early years of anti-corruption actions, which caused a large number of corrupt policemen to flee, which caused the property market to collapse in an instant.

Zhang Mingtian is most worried that he is not familiar with real estate in the first place, if there is another special event of these things, he will fill in all his net worth, then he will really want to cry without tears, so his plan is to continue to wait and see for a while.

Although Cheung Mingtian had a visionary idea, he was powerless to prevent the disaster, especially the mortgage business launched by the bank.

The decision-makers thought that the lending would not affect the interests of the bank, but they did not think of the export of a large amount of liquidity, and the acquisition of a large number of dollar check business of the Dominican Finance Company, which directly led to the collapse of the subsequent capital chain.

Otherwise, it is just a sudden catastrophe of the big plunge in housing prices, and the Overseas Trust Bank will not become the first bank to come to the rescue of the market.

Just as Zhang Mingtian and Cao Yao were discussing in a whisper, Ye Jingcheng's action of flipping through the documents also stopped, and he had already finished reading the assessment of this industry.

The appraised value of the tens of thousands of square feet of luxury homes purchased in Repulse Bay is 26 million. The appraised value of the entire New World Department Store is $120 million, and the appraised value of the 15 cinemas under the name of Nanguo Cinema Line is $250 million.

Finally, there is the Green Lantern Entertainment Film Co., Ltd., which is different from the former in its own right. The appraised value of the above three properties is the value directly assessed from the property.

However, Green Lantern Entertainment does not have a physical property, and even the office building does not belong to its name, so this assessment is very complicated. To put it bluntly, Green Lantern Entertainment is just a signboard, plus some resources in the industry, including equipment, artists, channels and so on.

These resources belong to a relatively fluctuating category, how to say that they are not as secure as physical properties, so the bank's price is relatively low. It's not even as good as that department store, with an appraised value of only 80 million.

All the properties that Ye Jingcheng took out as collateral added up to less than 500 million, only 476 million. Of course, this value is not the maximum value of his estate, but the price at which the bank is willing to lend him as collateral.

Otherwise, it is just a green lantern entertainment, and the object is replaced by insiders such as Shao Yifu and Zou Wenhuai, who are at least willing to take out the value of a cinema chain to acquire.

And unless the bank itself has the idea of taking over the industry, the appraised value must be a few percent below the market value, and this is done to protect its own interests. If the mortgagee really can't repay the debt, the bank takes over their property and needs to deal with it as well.

Seeing that Ye Jingcheng seemed to be in trouble, Zhang Mingtian took the initiative to say: "Ye Shao, if you have any ideas, you might as well tell us." ”

"I hope the loan period can be longer, and this amount is ......" Ye Jingcheng shook his head, saying that he was not satisfied with this assessment.

Zhang Mingtian and Cao Yao glanced at each other, and the latter asked, "Ye Shao, do you want to borrow the maximum amount, or do you want to have a budget in advance?" ”

As for the time to repay the loan, this point is still relatively negotiable. As long as Ye Jingcheng doesn't plan to drag it out for ten or eight years, they will still wait for two or three years.

Ye Jingcheng sighed deliberately and said, "I need to raise at least one billion funds, otherwise this plan will not be able to be carried out."

Hiss!!!

"Billion! It seems that Ye Shao, you have a large share of investment this time. The two of them gasped.

You must know that today's overseas trust banks only have at most 800 million or 900 million yuan of liquidity, and if you plan to lend this amount to Ye Jingcheng, you must also need to find a partner to withdraw liquidity.

"I also know the dilemma of the two of them, after all, my industries are still a short distance away from this value. And the bank must not only have two shareholders, but also the feelings of other shareholders. Ye Jingcheng thought about the other party.

Forehead!

This concern made the two of them a little speechless, both of them belong to people with a strong desire to control, so the shares of the overseas trust bank, which were originally dispersed, were slowly recovered by them, and now the equity of the bank is basically controlled by three people.

Together, the two of them already have more than 60 percent of the shares, and they can make any ad hoc decisions as long as they inform the other director after the fact.

"Ye Shao, one billion is indeed beyond our internal assessment, or do you have any other properties that can be used as collateral?" After speaking, Zhang Mingtian and Cao Yao glanced at each other.

Ye Jingcheng thought about it seriously, took out his hole cards and said: "I also have gold reserves in a vault, which are worth about 200 million. ”

The price of gold is a precious metal that is very transparent, and the value can be calculated by referring to the current price, which translates to about four tons of gold reserves at the current gold price.

This batch of gold is not the original batch, which has already been sold to jewelry tycoon Zheng Yutong at a high gold price. After all, Qianlong Investment under his name, Yuan Tianfan and Li Zhengping are not dry food, and when the gold market rebounded some time ago, they took advantage of the low gold price to absorb a batch.

"Ye Shao, the two of us need to discuss, don't you mind?" Zhang Mingtian tilted his head sideways and motioned for Cao Yao to go outside to talk about it.

The reserves of this batch of gold plus the industry that Ye Jingcheng originally took out, it is really possible to borrow a billion dollars, but this price is close to their market, which means that Ye Jingcheng intends to take out a full loan.

It can be said that in the eyes of Zhang Mingtian and others, Ye Jingcheng's move is completely the kind that intends to fight as hard as he can, and if he doesn't succeed, he will become a benevolent.

People who take fate as a bet, Zhang Mingtian said that he has been commonplace since he entered the industry. Among them, there are many people who have the ability and are more ambitious than Ye Jingcheng.

But the end result of these people ......

Most of the businesses have failed, and some have lost their original careers, and they have to owe a lot of debts.

The most important thing is that their minds have been seriously affected, and they have even lost their way on the road of their careers, and many of them can't stand the stimulation and choose various ways to commit suicide.

However, these have nothing to do with him personally, as long as Ye Jingcheng has a sufficiently valuable property in his hands, it is a profitable thing for the bank to lend him money. Even if Ye Jingcheng is one of the very few successful people, in the end, he still has to give the bank a sum of money as interest.

If he is really allowed to choose, he must hope that Ye Jingcheng will not be able to repay his debts by then, and then the mortgaged property will fall into his hands, and such benefits will be maximized for him.

Zhang Mingtian and Cao Yao left the office for nearly half an hour, while Ye Jingcheng enjoyed tea alone in the office. Just when he was a little sleepy after stretching, the two walked in with smiles on their faces.

"Ye Shao, our bank is still very optimistic about your young and promising. Even if your mortgaged property does not fully meet our assessment, we can still give you flexibility. Zhang Mingtian informed Ye Jingcheng of the results of the discussion.

After that, Cao Yao said on the side: "But to raise such a large amount of money, our bank also needs time to operate, you see how about this payment in three installments, each time two months cycle approval?" ”

Half a month? In less than three months, your bank's funds will be completely drained, and what will you lend him when the time comes?

Ye Jingcheng secretly scolded himself, but on the surface, he frowned and said, "Can you approve it as soon as possible?" I would like to sell this land as soon as possible. In terms of interest, I can compromise appropriately, and I only hope that the approval period will be within one month. ”

"A month is too much." Cao Yao shook his head.

After all, overseas trust banks are not large accounts like HSBC, and one billion and eight billion yuan can be withdrawn at will, and this billion yuan is already one-third of the working capital of overseas trust banking business.

It takes a month to complete the withdrawal, and the biggest difficulty is not that there is a problem with the funds themselves, but that these funds are dispersed to various businesses, and such a rapid withdrawal is likely to affect the development of the business.

Zhang Mingtian on the side had other thoughts, and the reason why he agreed to this loan was actually for his own personal reasons, that is, he took a fancy to Ye Jingcheng's development of the film industry.

If only Ye Jingcheng had made achievements before, he would definitely have carefully considered whether to get involved in this industry. But now with the emergence of "Best Partner", Ye Jingcheng is no longer the only one in the film industry.

Although even the **** of "Best Partner" is also impossible to break his highest box office of 30 million, his record of 20 million box office has been refreshed, proving that he Ye Jingcheng is not unattainable.

And the person behind the scenes who broke this deadlock was actually Lei Juekun, a recognized layman in the film industry. Even Lei Juekun's situation can make a lot of money through movies, and it is false that you say that other outsiders are not impressed.

Even tycoons in some industries are interested in getting involved in this business. Not to mention that as a banker, Zhang Mingtian is particularly sensitive to investment in various industries, and he will definitely not miss the opportunity as long as he has the opportunity.

Zhang Mingtian is now thinking that it will be difficult for the bank to withdraw one billion yuan of liquidity in a month, but at least he can raise seven or eight hundred million yuan. As for the rest......

He not only has a bank in his hands, but also assets in several industries, and he can still get one or two hundred million. But for him to make such a decision, he must have his own benefit. If he wants to take it out and share it with others, or even make a wedding dress for others for nothing, then he would rather end it in the first place.

As soon as he thought about it, Zhang Mingtian had a solution.

The billion can be divided into two parts and lent to Ye Jingcheng, one of which is the amount of 800 million, so that Ye Jingcheng can use other industries except the film company, plus four tons of gold reserves to apply for a loan with the bank.

As for the remaining part, Ye Jingcheng used the ownership of the film company as collateral to borrow 200 million yuan from him. This method can be said to be the best of both worlds, which not only helps Ye Jingcheng successfully complete the loan within a month, but also gives him the opportunity to control an industry.

Now, it's better to find a way to get Cao Yao away, or hint at Ye Jingcheng, and wait for the two to discuss this matter in private.

In the end, Ye Jingcheng was hinted by Zhang Mingtian's eyes, even if he didn't know what the other party planned to do, he still chose to leave first on the grounds of consideration.

And Cao Yao saw that Ye Jingcheng was planning to leave, and out of fear that this business would be 'cut off' by other banks, he intended to keep Ye Jingcheng down to continue the discussion.

It's a pity that at this time, Zhang Mingtian came up to relieve the siege, signaling that Cao Yao's matter still needs to be discussed.

In desperation, Cao Yao had no choice but to nod his head to show that he understood, and then let Ye Jingcheng leave. Unbeknownst to him, after Ye Jingcheng left, he received a call from Zhang Mingtian, inviting Ye Jingcheng to the Peninsula Hotel tonight.

"Ye Shao, please take a seat." In the room, there was no one else, except Zhang Mingtian who went to the banquet alone.

Although there was already a vague guess about this matter, Ye Jingcheng still pretended not to know and asked, "I don't know if Zhang Sheng, you asked me out, are you planning to ......?" ”

"Actually, it's like this, Ye Shao, don't you plan to raise a billion funds as soon as possible? I've come up with a compromise for you here......"

Zhang Mingtian told Ye Jingcheng in detail what he meant, and there were many ideas in it, which he perfected during the middle time.

Of course, his idea of coveting Qinglan Entertainment was concealed, and nominally he was willing to help Ye Jingcheng with this, just because he felt that he could make a friend, and it should be an interpersonal investment.

Ye Jingcheng is not a fool, and secretly sighed in his heart. really listened to Zhang Mingtian's words, he didn't know anything even if he was sold. However, Zhang Mingtian's suggestion is feasible, at least let him confirm the liquidity of the overseas trust bank, which is more detailed than the information he found someone to investigate.

Even through side knocking, it was learned that the board of directors represented by Zhang Mingtian had already contacted the Dominican Finance Company to negotiate the company's dollar check debts, and reached a preliminary agreement that all the handovers would be completed within three months. This debt was a key link in the bank's capital chain that collapsed.

At that time, the real estate plunge is coming, and whether it is the mortgage business of the overseas trust itself or the debt of this dollar check, the borrower is the victim of this big dive. Now coupled with Ye Jingcheng's cross-hand, this bank is already a sure thing for him.

The two of them already had their own plans before they went to the Peninsula Hotel, and the rest of the matter naturally became simpler.

…… (To be continued.) )