President Dai of ICBC still has the title of president on his head, but the first two words have been changed from Jiangzhou to Jiangsu and Zhejiang. Before May Day, his appointment as president of the Provincial Industrial and Commercial Bank was officially announced, and Qin Ran also made a special phone call to congratulate him.

Since 1999, the proportion of real estate development loans has risen further within banks, and banks tend to support real estate developers with high development qualifications, good financial status, brand awareness and reputation, and a certain market share. Jiangnan Group has completed the original accumulation, and the fixed assets alone have reached more than 3 billion, mainly from the reserve of land and real estate projects to be developed, and there are more than 500 million cash on the books. In particular, the success of Xiziwan has made Jiangnan Group one of the top three real estate development enterprises in Jiangsu and Zhejiang provinces.

"Mr. Qin, we are old friends, you just gave me such a big gift when you took office."

Of course, what President Dai said was not any money or property, but Qin Ran mortgaged the two pieces of land he had just auctioned to ICBC and applied for a three-year real estate development loan.

A total of 1.387 billion yuan was spent on the bidding of D1 and D7 plots, and only when the funds flow will they create a steady stream of value. The land reserve is there, and it will not be developed at the same time in a short period of time, so turning the immovable real estate into liquid capital is the focus of Qin Ran's consideration. The two pieces of land were mortgaged to the bank, and then a large loan was taken out from the bank to buy land elsewhere to continue the reserve. After the new land is stored, it is mortgaged again to the bank to obtain a new loan, and so on and so on. Secondly, you can also wait for the reserve land to appreciate slowly, and you can make an extra difference by relying on the appreciation of the land.

Of course, the bank will do an appraisal of the land. Predict the prospects of its future development. Plots D1 and D7 are located next to the new government building, and there is no doubt that there will be a lot of room for appreciation in the future. So these two pieces of land of 1.387 billion yuan gave Qin Ran a three-year loan of 1 billion yuan from ICBC. Of course, I have to admit that President Dai has made a lot of efforts in this. But this is also a win-win situation after all, the bank completed the loan task, and Qin Ran got the liquid funds.

"CCB's President Zhu is going to leave the D12 plot first, otherwise the gift package will be bigger."

Today, Qin Ran took the initiative to come to President Dai's new office as a guest, and the D12 plot has been mortgaged to CCB to get a loan of 500 million, which is still for 3 years.

"Lao Zhu has always been one step ahead, and our brothers haven't been together for a long time. Find a time, I'll do it, please everyone. Oh, I almost forgot, come on. Shake hands first"

Promoted to the governor of the provincial bank, President Dai's waist has straightened a lot, and the sparse top of his head is more translucent. However, he took the initiative to shake hands, which made Qin Ran unable to understand for a while.

"Rub off the official spirit of the No. 1 chief, hehe."

It turned out that President Dai knew that Qin Ran had shaken hands with the No. 1 chief. So I specially "indirectly" shook hands with the chief. After being stained with luxury, step by step.

"In a few years, I'm afraid I'll get Tianjing to find you."

ICBC headquarters is in Tianjing, so Qin Ran's subtext is that President Dai continues to rise.

"Thank you."

The land auction just held by the Jiangzhou Municipal Government has reaped nearly 8.5 billion yuan, and Huang Weiguo, Secretary of the Municipal Party Committee, has greatly increased his confidence and is ambitious to promote the second phase of the expansion of Jiangzhou Airport, as well as the renovation project of the railway station and bus station. Seeing what Qin Ran said at the dinner table a few years ago, he listened to it and immediately began to implement it, striving to transform the appearance of Jiangzhou city into a new look.

The roads of Jiangzhou New Town have been seamlessly connected with the urban area. Due to the recommendation of Governor Li Zhiguo, and the lively scene that has just ended the land transfer of the new city. Jiangzhou has just received a loan from the China Development Bank. As a government platform, the Jiangzhou Land Reserve Center mortgaged the land of the new city to the China Development Bank and obtained a land reserve loan of 8 billion yuan, which was specially used for the primary land development of Jiangzhou New Town.

In addition to residential land being snapped up by real estate companies, the investment attraction of the industrial park is also very smooth, and many foreign companies are targeting Jiangzhou as the backyard of Hudong City, and move part of the global industrial chain to the industrial park in the new city. As a result, the price of land in the industrial park has risen, but in order to attract foreign investment, the Jiangzhou government has not charged a high transfer fee for land as a preferential policy.

According to this momentum, the success of Jiangzhou New Town is basically just around the corner, and the next step is to determine the doorstep of Qiankun and relocate the municipal government to the planned new city.

The old government compound of Jiangzhou City is located in the center of the current urban area, and in order to consider the overall planning of the urban area, no residential buildings will be built here, but the CBD of Jiangzhou - the central business district. Huang Weiguo does not want Jiangzhou to be only positioned as a famous tourist city at home and abroad, but hopes to become an "international metropolis" in the 21st century. According to the drawings of the Municipal Government Planning Institute, within a radius of 3 square kilometers centered on the old government compound, the relocation will be organized to make room for land, focusing on building the city center of Jiangzhou, building Grade A office buildings, large shopping malls, five-star hotels, and attracting various financial institution centers and corporate headquarters to settle in.

CBD is a new entry into China, and Jiangzhou is one of the few cities that has proposed to build a CBD, which has a lot to do with Huang Weiguo's idea of running a city.

Jiangnan Group's commercial real estate is a key strategy that Qin Ran has always been thinking about, and its main strategy is the large-scale urban complex - Jiangnan Plaza. There is Jiangnan Square, which is the center of the city, which is the development strategy set by Qin Ran. Jiangzhou is about to build a CBD, and Jiangnan Plaza just fits this background condition, so Qin Ran wants to enter the commercial real estate in advance.

The old compound of the municipal government covers an area of 100 acres, nearly 70,000 square meters, and is a high-quality land for the development of commercial real estate. To build CBD, the old compound of the municipal government is the center, and the project here is related to the success of the CBD, so the sale of this land Huang Weiguo has also changed from the previous bidding price to the introduction of enterprises with strong funds and cooperation with government planning. The most important thing is to start construction as much as possible, rather than taking the land but not having the money or ability to design and develop, and messing up the project and rotting the land in your hands.

The common purpose made Qin Ran visit Huang Weiguo, secretary of the municipal party committee, in the government office again. Qin Ran revealed to him that Jiangnan Group intends to enter commercial real estate, and also agrees with Secretary Huang's move to build Jiangzhou CBD, believing that this can indeed raise the level of Jiangzhou city.

2 Grade A office buildings with more than 25 floors. 1 30-storey supporting business apartment, 1 five-star standard hotel, and two-storey parking lot. It is also equipped with a super-large shopping mall, which includes department stores, supermarkets, home furnishings, catering, finance, entertainment and other rich formats, making it the first large-scale urban complex in China.

After listening to Qin Ran's introduction, the direct investment of up to 1.5 billion yuan is the largest real estate investment project in Jiangzhou's history, especially the first in China, which deeply touched Huang Weiguo, secretary of the municipal party committee. If it is really as Qin Ran described. The Jiangnan Plaza project alone is enough to support half of Jiangzhou's CBD.

"This project takes up a lot of money, so if Jiangnan Plaza really settles in Jiangzhou. I hope that the government can provide some concessions in terms of land and bank financial support. This is a great attempt, and if successful, it will go down in the history of China's real estate industry, and I have great confidence. ”

Super-large urban complexes, which are the success of China's commercial real estate development in the future. Qin Ran was not worried that the project would not succeed. He just wants to reach out to Secretary Huang for more preferential measures. Although the two are considered to be friends for a certain time. But the butt decides the head, and under the premise of a win-win situation, each has to strive for more benefits for the party to which it belongs.

The huge temptation prompted Secretary Huang to make concessions, agreeing to sell the land at a low price and coordinating with the bank to provide the necessary loans for the development, on the condition that Jiangnan Group must complete the construction and opening of Jiangnan Plaza within a short period of time.

In order to cooperate with the construction of the CBD project of the Jiangzhou Municipal Government, Jiangnan Group promised to invest a huge amount of 1.5 billion yuan to build a super-large urban complex in Jiangzhou City-Jiangnan Plaza. The Jiangzhou Municipal Government will transfer 100 acres of land in the old government compound as commercial supporting land to Jiangnan Group at a low price of 1 million, and Jiangnan Group must complete the construction of Jiangnan Square within 2 years and put into the scheduled construction of 1.5 billion yuan as scheduled.

Jiangnan Group has invested 1.5 billion yuan in the construction and development of commercial centers. The Jiangzhou Municipal Government is equivalent to attracting investment and selling land at a low price to jointly create a new city card of Jiangzhou City. In this way, the construction of Jiangzhou CBD was started.

As soon as this news came out, it immediately attracted huge attention in the province and even the Yangtze River Delta, and Jiangnan Group couldn't wait to spend a huge amount of money to enter the commercial real estate after tasting the sweetness in the residential market. Such a radical and bold strategic step has made many people in the industry shout that they can't understand it.

In China and even in Hong Kong, many developers focus on only one aspect, either residential or commercial real estate. What's more, there is no precedent for the super-large urban complex proposed by Jiangnan Group, and many people are skeptical about whether it will succeed. Jiangzhou has 6.5 million people, can only be regarded as a second-tier city, according to the investment scale of 1.5 billion in Jiangnan Plaza, even in Tianjing, Hudong such as more than 10 million people in the first-tier cities may not be able to accommodate, after the completion of the return is unknown.

There are also some different opinions within the company, originally thought that the first test in Ningbo City Jiangnan Plaza, the investment may be within 500 million yuan. Because Qin Ran said that he should test the water first, see if the development time of domestic commercial real estate is up, and then further increase investment. But now the goal has been changed, to build the first Jiangnan Square in Jiangzhou, and the investment has reached 1.5 billion, which is a very big risk. If the Jiangnan Plaza project fails, it may shake the foundation of the Jiangnan Group, and it is very likely that the company's hard-earned profits will be swept away or even bankrupt.

"I will set up a new commercial real estate limited liability company to isolate it from Jiangnan Real Estate and Jiangnan Group. Even if it fails in the future, it will not involve the group and other subsidiaries. Now the opportunity is rare, Jiangzhou wants to build CBD, and the land we got is the CBD in the CBD. That piece of land alone was worth 300 million, and we only bought it for 1 million. Now that the Xincheng Industrial Park is attracting investment, many financial institutions have also entered Jiangzhou, not to mention that China's WTO accession negotiations will be successful in the near future, so a lot of good news makes me optimistic about Jiangzhou's tomorrow. Jiangnan Plaza, she will open a new chapter in China's commercial real estate. ”

Qin Ran has always been admired by his subordinates for his unique vision, this time he advocated the construction of Jiangnan Plaza and began to enter the commercial real estate, although the executives had objections, they had to obey and accept.

Jiangnan Square, how will it be in the future?

Everyone will have to wait and see. (To be continued......)