Dealing with banks is a must for any business, the difference is that some people are begging the bank to borrow money, and some people are begging the bank to borrow money.

The news of Si Mingyu's inheritance of Xiangjiang's 80 billion assets has long been spread, ordinary people may just think that his life is so good, while people in the banking industry are thinking about how to take over financial services.

Si Mingyu's grandmother, Ms. Li Yinghua, did have a very good relationship with China Trust Bank when she was there, including the taxes and fees for inheritance, which were provided by China Trust Bank, but this was a business and the bank made a lot of money from it.

Now that the person talking has been replaced by Si Mingyu, it is difficult to say whether this relationship can be maintained, after all, he is a shareholder of China Merchants Bank.

Not to mention the matter of borrowing the 15 billion Hong Kong coins, which was originally borrowed for half a year, but it was repaid in more than a month. It is true that there is no shortage of what should be given, but this is not what David Lu of the Xiangjiang Branch of China Trust Bank wants, he wants to lend.

And the executive director of the Modu branch of the China Merchants Bank, his life is very nourishing.

The branch of East Asia Mingyu Group borrowed 19.6 billion yuan, which made the loan business of the Modu branch much less stressful.

The key is that this loan is basically risk-free, and the loan secured by China Merchants Bank shares will be considered risky? Not to mention the two LNG carriers are repaying at a rate of 1.4 billion yuan per month.

The executive director hinted to Si Mingyu on the phone more than once that the bank's money does not need to be repaid in a hurry, and you can use the money you earn to expand your business first. After all, at this rate, it will be paid off in full before the end of the year.

The vast majority of the assets under the name of Ke Si Mingyu are stocks, and the rest are also asset-light companies such as trading companies and advertising media companies. The only asset-heavy electronics factory doesn't expect them to make money, so they don't need loans.

Some people will wonder, is it possible that such a large group company in Xiangjiang does not have any debts?

Not really.

According to the will, Si Mingyu inherited the estate at the age of 21, and Ms. Li naturally did not think that he could handle debt disputes at his age, so she gradually repaid her debts when she found that she was in poor health, and finally left behind high-quality net assets.

Therefore, the branches of major banks in the magic capital have regarded Si Mingyu as the biggest task goal of this year.

The first to act was Wang Shu, president of the Shanghai Pudong Development Bank in Modu.

In the stock market war between the Xu Group and the East Asia Mingyu Group, Xu Yuande mortgaged 3 billion yuan with a real estate worth 6 billion yuan, but he was defeated and did not get a penny back.

The biggest pressure on Wang Shu comes from the fact that the loan that cannot be recovered was approved by him, and he is responsible for this matter. Although the whole process is okay and the procedures are complete, the biggest problem is that the loan is not enough, after all, it is not a small amount.

There are properties as collateral, but the sale of these commercial properties takes time to go through the process. Besides, this is on the premise of selling smoothly, and if you can't sell it, there will be more trouble.

You must know that the magic capital is not only the Xu Group that takes the real estate mortgage, but also the other commercial properties that are not expensive are also auctioned, and the real estate advantage of the Xu Group is not big in terms of price.

At first, Wang Shu did not think that Xu's Group would lose in the stock market.

Xu's Group is close to 30 billion, of which the market value of the listed part is more than 20 billion, such a large volume is not something that ordinary institutions can shake, and Xu Yuande has invested dozens of billions to raise the stock price.

Wang Shu also investigated through his own channels, and at that time, various banks and financial institutions did not have large-scale capital transfers, so his judgment was that the other party would not invest too much money if he wanted to make a profit.

After all, he never expected that Si Mingyu would really throw 120 billion yuan into the stock market by himself, just to kill the Xu Group. There is no record of borrowing funds like any institution.

However, his personal relationship with Xu Yuande is also very important.

For Wang Shu, he must come up with an achievement that can be explained to the top to make up for this mistake, and it is more cost-effective to get the financial business of East Asia Mingyu Group than to bring in dozens of companies with a market value of billions.

Of course, as the president of the branch, Wang Shu will definitely not go out in person as soon as he comes up, but will send a special person to take charge of this matter.

Group headquarters building, office.

"Hello Mr. Si, please introduce yourself. Liu Rou, Head of Corporate Business Department, Shanghai Pudong Development Bank Modu Branch. ”

She didn't wear a bank overalls today, but a simple Saint Laurent dress with CL red heels, hoping to make the meeting not look too formal.

"Hello." Si Mingyu made a gesture to sit down.

After a few simple opening remarks, Liu Rou said the purpose of the trip, not that she was too anxious to show it, but that after a few words, she had already found that Si Mingyu was a little absent-minded.

"Mr. Si, our Shanghai Pudong Development Bank can provide better services for local enterprises in Modu, please allow me to take a moment to explain to you." Liu Rou took out a laptop.

"Please."

Si Mingyu was indeed a little inattentive, mainly because he had just received a call from Natasha before Liu Rou came, and this hairy girl came to buy something under the banner of Zarrov Company again.

The key is that this is not the same as in the past, and the high-end chips she wanted to buy are now no longer sold. Later, I will have to ask Wang Jianguo about this matter to see what he means over there.

"Mr. Si, please take a look." Liu Rou had already put the laptop on the table in front of Si Mingyu, but the other party didn't seem to have the intention of looking at it, so she had to remind her.

"Oh, please."

Si Mingyu came back to his senses, and his eyes were white flowers, but it didn't have any effect. He was thinking about Natasha, and naturally compared the two, and the gap immediately came out.

"Mr. Si, this is the financial service plan that our Shanghai Pudong Development Bank tailors for your group company, the most important thing is the loan, and you can enjoy the most preferential interest rate...

Liu Rou is still very confident in her appearance, after all, she can also rank in the top three in the entire magic capital branch, and today she deliberately dressed up. However, she found that the other party was dismissive of the place where no one else could take their eyes off before, which made her very shocked, so she had to patiently talk about the plan.

"Miss Liu, your plan is very good, but I still don't understand some of them for a while. But that's okay, my CFO will take over the job. ”

After Liu Rou finished speaking, Si Mingyu interrupted her.

"Mr. Si, if there is anything you don't understand, I can explain it in detail."

Since she is here, how can it be unclear about Bian Guohai, the financial director of East Asia Mingyu Group, that old fox is not something that can be impressed by some small interests.

"It's decided, and what he means is what I mean."

Si Mingyu called Bian Guohai. The person in charge of the corporate business department of a branch, I saw that she was just giving face to President Wang Shu.