In the afternoon,

The president of the head office of Nongxing in Yongjia County, Ma Baoguo, drove a female assistant to Fang Bai to discuss cooperation.

I observed the business situation of Xinghai Shopping Mall in the car for a while, and saw that people came and went outside the mall, and the staff in the mall were very busy, and many customers were looking for a car on the side of the road to go home after buying household appliances.

There are five or six cars waiting for customers on the side of the road alone, and there are more human-powered tricycles, dozens of them passing in a row, and there are security guards at the scene to direct vehicles to stop in accordance with regulations.

"Leader, the business of this Xinghai shopping mall is really good, the mall is almost full." The female assistant smiled and said, "I came to draw a few days ago, and at that time there were more places, and the roads were crowded, and cars had to take a detour. ”

Ma Baoguo thoughtfully: "Business is indeed very good, you pay attention to the service attitude of the staff in the store, warm and polite to customers, the boss manages well, and can also market, it is strange that the business is not good." ”

"Yes, now the whole Wencheng people know that they are going to build a large square here, with an investment of 200 million yuan, is this boss so rich?"

"200 million yuan is to build momentum, and there is definitely not so much money at present, but there are 10 million or 20 million yuan, and it has just been earned." Ma Baoguo smiled and said, "You go and inquire, ask them if Mr. Fang is there, be polite, the relationship between the people and the county is very hard." ”

"Okay, don't worry, I know the severity." The young female assistant got out of the car and walked towards the mall.

According to the leader, the actual controller of the mall is a young man named Fang Bai.

Before they came, she and her colleagues had already investigated on the spot.

A few minutes later, the female assistant returned to report: "Boss Fang is here, saying that Mr. Fang will come over later." ”

Ma Baoguo nodded, got out of the car and closed the door, and went into the mall with the female assistant to find the boss.

Boss Fang invited them into the office for tea, and after a few minutes, Fang Bai arrived.

The two sides exchanged politeness, and President Ma explained his intentions.

Fang Bai smiled and said to the fifty-year-old Governor Ma: "This morning, President Ye of the G Branch of Nanjiang West Road just asked me for a loan, and Governor Ma came over, and he is very well informed." ”

President Ma smiled: "Mr. Fang, Chen Tao and County Magistrate Chen strongly recommend you, saying that your company may need a large loan, let me come over and ask, I also hope to have in-depth cooperation with Xinghai Company." ”

Some time ago, Xinghai Company held a lottery, took a large amount of deposits, and engaged in large-scale development, and several major banks in the county were paying attention to this matter.

President Ma investigated carefully, and then through County Magistrate Chen, he finally figured out the situation of Xinghai Company.

The controller was Fang Bai, who was studying, and he was a little shocked, but County Magistrate Chen asked him not to underestimate this young man.

It can organize a large-scale event, can help the county collect more than 3 million taxes, has good credit, and accumulates tens of millions of assets in less than a year.

Moreover, Xinghai Shopping Mall is well managed, with good efficiency, sufficient cash flow, sufficient ability to pay loan interest, and no non-performing assets.

In addition, it also has a hard relationship with the prefecture, and it is difficult to get rich due to a variety of factors.

There are very few such excellent loan objects in Wencheng, and if it is a little later, it is estimated that the presidents of other banks will come to Fang Bai.

If it is an ordinary company, there is no need for President Ma to come to the door in person, only others beg them, and at most the branch president will come to the door.

However, for enterprises with strong development, and it is very likely that they will need tens of millions of yuan or even more than 100 million yuan of super-large loans in the future, they should be handed over as soon as possible and get a good deal of an enterprise, and the performance of the head office will definitely be better.

Fang Bai spread his hands and said regretfully: "Thank you, President Ma, I originally asked Bank N for a loan first, but unfortunately, your branch can't take out a loan, and my impression is too bad." ”

Governor Ma was puzzled: "No, right?" Mr. Fang has been to our bank to apply for a loan? ”

Fang Bai pouted and smiled: "At the beginning of February, I repaid your loan from the N branch of Changxin Road, and I gave the other party a rebate of 2 points."

However, the president of your branch asked me, 'Rock-paper-scissors, others produce scissors, what do you think I should do?'

President Ma, what do you think should come out?

In the end, I couldn't afford to toss, so I had to find ICBC. ”

When Ma Baoguo heard this, he frowned, and he knew that the leaders of the branches below were taking kickbacks, but he didn't know the specific situation.

But listening to Fang Bai say this, the rebate of 2 points is not less, but the appearance is too ugly.

Five points?

Or ten points?

Damn, pit goods, this kind of person must be severely punished!

Thinking of this, Ma Bao's heart was very angry, and then look at Fang Bai, people still hold grudges.

"Mr. Fang, please rest assured, there is no rebate for loans in our bank, and there are preferential loan interest.

In response to what you said about Hejian, I will punish him severely. ”

Fang Bai heard that Governor Ma had taken it to heart, probing the other party's information, and also knew that the other party was angry and did have this idea, and asked, "Oh, let's talk about it." ”

Now Fang Bai can detect information for five people a day, negotiate business without disadvantage, and can also detect subordinates and estimate loyalty issues.

"If the loan amount reaches $5 million, the interest rate for two years is 14.5 percent. ”

Fang Bai shook his head and smiled: "The branch of Bank G gives a discount compared to yours, with a two-year interest of 14.3%, and the amount has reached 20 million yuan." If you're in doubt, just ask. ”

Ma Baoguo has a headache, their head office's business ability is not as good as ICBC, if this time there is no success in cooperation, it will be difficult in the future, after a little thought, and finally decided to say: "Mr. Fang, the interest you said is no problem."

But there is a problem, if you have a loan of 20 million yuan from Bank G, and there are multiple bank loans, the risk is much greater, and we will approve a maximum of 10 million yuan on our side.

If the main loan from our bank does not exceed 10 million yuan in total, we can also borrow 20 million yuan.

Every once in a while, we will re-evaluate Xinghai's ability to repay debts, and if your company is developing well, we can also increase the loan amount. ”

When Fang Bai heard this, he knew about the situation of multiple loans.

If it is a later generation, it only takes a few seconds to find out the credit status of the loan applicant, including which bank the loan is taken from, how many loans, and how many loans a treasure has, which is transparent to the bank.

At present, there is no network between banks, and banks do not have a strict internal audit system, and the management is rough, and there are a large number of bad debts in arrears.

But to investigate Fang Bai's loans in other banks, it can still be found out, but it is just a little troublesome, so Fang Bai did not hide his loan plans.

"Okay, then take out a loan of 10 million, what procedures are needed, just find my father." Fang Bai said.

When President Ma heard this, he was very happy, and stood up to shake hands with Fang Bai and his son: "The cooperation is pleasant, the procedures are very fast, and the loan can be released in a few days." ”

After chatting for a while, President Ma left with the female assistant.

The next day, Fang Bai called Ye Fan and applied for a loan of 20 million yuan.

Fang Bai's father did the loan running procedures, and Fang Bai only took the lead.

At two o'clock in the afternoon, he called the county magistrate and asked him if he had time to chat about the new investment.

Fang Bai can now call the office phone number of the county magistrate Gu, and Gu Wen said that he could call him directly if he had something.

"Yes, come here." Gu Wen was a little curious, what kind of investment did he have?

He is going to the countryside tomorrow to investigate, if Fang Bai looks for him, he is really not in the county compound.

Half past two in the afternoon,

Fang Bai sat in Gu Wen's office, facing Gu Wen, and on the tea table was Fang Bai's self-made map.

"To the east of Xinghai Shopping Mall, there is an empty land north of the car, about 85 acres of land; To the north of it, there is also a 70-acre hillside vacant land;

The south side of Xinghai Shopping Mall is a tidal flat, which can be used as a park and a large parking lot;

There are several vacant land in the west of Xinghai Shopping Mall, with a total area of not less than 500 acres, and four or five kilometers along the river can be developed into office buildings, or high-end residential buildings...... "Fang Bai drew a circle to Gu Wen, "These four or five square kilometers can be residential and commercial, if it is done well, this development is not worse than the city center." ”

"Mr. Fang, your idea is very good, this requires a lot of money, for developers, they would rather go to the city center to develop, where the house is better to sell."

"Leader, my ideas may be different from yours, of course the other side of the river is good, the problem is that there are too many old houses, it is not easy to demolish, just negotiate a piece of land, you can't do it for two or three years without tossing, the time cost is too great, if I am a developer, I am not willing to spend on it, the risk is too great."

It's better to draw a blank piece of paper, I plan to invest in the 85 acres of land east of Xinghai Square and a few pieces of land along the river for development, I am willing to be a pioneer to explore the way, I don't know how the county is planning. ”

When Gu Wen heard Fang Bai's words, he pondered it carefully, and couldn't help laughing: "Mr. Fang, your plan is not small, make such a big stall, then what are your plans for this Xinghai Square?" ”

"I plan to develop the first phase covers an area of 5,000 square meters, one basement, five floors above ground, with an initial investment of 30 million yuan, loan funds have been in place, and recently began to explore and design, since I decided to do it, it will not be delayed, and it is planned to be put into use within one and a half years." Fang Bai said.

Gu Wen nodded, his movements were quite fast, and he thought that he was just dragging in a circle and not developing, that would definitely not work.

Since the first phase of Xinghai Square is ready to start, and the land pointed out by Fang Bai is in line with the original urban and rural planning, there is no big problem, so it is easy to talk about it next.

"Tell me how much you invested?"

(End of chapter)