Chapter 284: Bank’s Tricks
The sixth day of the first lunar month is the last day of the Spring Festival holiday.
Luo Yang and Jiang Fan finally got away from the busy schedule of visiting relatives to wish them a happy New Year.
No matter how busy the streets in the city were, they were of no interest as they were busy discussing business worth hundreds of millions.
They were all suffocated.
Jiang Fan almost collapsed and it took him a long time to recover.
"Tell me, what's going on?"
After more than a year of their relationship warming up, Luo Yang knew Jiang Fan too well. He must have been trying to please her just now, so there must be something going on.
".The whole family is going to HK next Monday."
"?"
Luo Yang looked at Jiang Fan in confusion: "Let's go. Anyway, school will start almost immediately after the Lantern Festival. We can be more comfortable in Songjiang by then."
"August 2th!"
I'll be a good boy.
If Jiang Fan hadn't reminded him, Luo Yang would have almost forgotten about it.
"You're leaving on the 13th?"
"The flight is at 14: pm on the th."
Jiang Fan hugged Luo Yang tightly and said apologetically: "I have to leave for Lukou Airport in the morning, Luo Yang, I can't spend Valentine's Day with you this year."
"That vacation-cum-consulting thing?"
"Ah."
There was no need to hide this kind of thing from Luo Yang: "Ever since you mentioned it to grandma and mom last time, they have been talking about it. Lao Jiang is not very busy during the beginning of the year, so he simply took the whole family to Hong Kong for vacation and took care of this matter."
"So starting from next week until school starts, I have to be a vegetarian and become a monk?"
Luo Yang looked at Jiang Fan "indignantly" and kissed her little mouth hard until she couldn't breathe.
"How can Lao Jiang do this? Can't it be done one day later?"
He pouted: "I guess he did it on purpose, he's jealous of me!"
Seeing Luo Yang acting like a child, Jiang Fan wanted to laugh but he could only hold it back.
Not only do you have to endure it, you also have to coax it.
Luo Yang enjoyed the treatment of being served by maids with peace of mind.
"By the way, please help me get some information while you are in HK."
Thinking of something important, Luo Yang immediately ended the little game between him and Jiang Fan. "Take some time to go to the Hong Kong Stock Exchange and help me look up some stock information. Also ask about the relevant procedures for opening an account there to buy rice stocks."
"You want to invest in stocks?"
Hearing this, Jiang Fan was stunned for a moment, and then he reacted after a moment: "The stock market is very risky, Lao Jiang never touches it, and my mother only plays with less than 100 million, and she will not increase her investment even if the news is good."
“I’m a long-term investor.”
Luo Yang smiled and patted her head, saying, "This long-term plan will take at least five years, or maybe even ten years."
"Speculating on industry development trends?"
Jiang Fan nodded and said, "This is a test of your vision. Luo Yang, how much money do you plan to invest?"
"Where can I get the money to invest in stocks now?"
He was telling the truth. He now had less than three million yuan in free funds, and more than half of it was in the stock market (10,000 shares of Maozi).
"How about I help you fry it?"
Jiang Fan blinked his eyes and said with a smile: "Tell me which stocks you like. I'll open an account on this trip and buy some for you."
"Then buy some."
Luo Yang said vaguely that in fact, he would definitely go to HK in person when he had sufficient funds in the second half of the year.
This kind of money will be private money in secret accounts in the future.
How could it be in Jiang Fan's hands?
Let's just do our own thing, just think of it as making a little money with her.
Jiang Fan had no idea what was really going on in Luo Yang's mind and was feeling happy about his own cleverness.
These were all taught by Xiao Yujun. She was very satisfied with Luo Yang, her future son-in-law, and had recently begun teaching her daughter how to “control her husband.”
Teach by example
The two of them stayed together the whole afternoon, and by the time they felt hungry, it was already dark.
There are dumplings and wontons in the refrigerator. Take them out, heat them up, and continue to enjoy them after eating.
A little after nine o'clock, Luo Yang sent Jiang Fan back early as he had important things to do the next day.
The next morning, we set out from Yang City early and arrived in Minhang a little after ten o'clock.
He Maosong arrived at Naixue’s headquarters earlier than him.
On the fifth day of the Lunar New Year, when we welcome the God of Wealth, Luo Yang had already distributed red envelopes once, which was considered as getting the headquarters into the working rhythm in advance. So when He Maosong brought the people from Yongcheng Bank over, there was no scattered scene at all, and everything seemed to be in order.
This alone makes the people in the bank feel that Naixue is full of energy.
"Boss, Mr. He has arrived with the bank's people and is drinking tea in his office."
After Luo Yang entered the company, An Ying immediately informed him: "I will go and inform Director He now?"
"Ah."
As he walked into his office, Luo Yang said, "Call Xu Zhenzhen over by the way."
An Ying immediately divided the tasks: "Feng Yuan, go to the finance department and ask Director Xu to come over. Xiaoxiao, prepare to pour tea for the guests."
She went to He Maosong's office in person to ask for help.
"I'm so sorry. I came late despite rushing so hard. I made you wait for a long time."
"We came too early. It was mainly because of Lao Guan who insisted on coming to see the company in advance."
He Maosong responded to Luo Yang with a smile and introduced: "Mr. Luo, let me introduce you to a few friends. This is Guan Yongxing, the shareholder and vice president of Yongcheng Bank."
"Hello, President Guan!"
As Luo Yang stood up, he walked around the desk. He stretched out his hand and shook hands with the middle-aged man opposite him.
"Boss Luo is really young and promising!"
Guan Yongxing sighed and replied: "When I see your face, I feel old."
"Guan Xing, you are mature."
Luo Yang smiled and said, "The higher the level of the occasion, the more reliable your appearance is than mine."
"Hahaha"
After introducing the first one, He Maosong continued: "This is President Chu Junliang, the head of the Yongcheng Bank's Shanghai branch."
This person is about the same age as Guan Yongxing, probably in his early forties.
Another round of pleasantries.
The last person left was a beautiful lady. He Maosong introduced her as "Dong Xuan, the director of the credit department of the Magic City branch. Beautiful Dong!"
"Mr. He, I rely on my ability, please omit the attribute of beauty!"
This woman, with a seductive look, glanced at He Maosong with her pretty eyes, and then she stretched out her white and tender little hand to Luo Yang: "Mr. Luo, it's our first meeting, please take care of me!"
The hands were soft and warm. After meeting the people from the bank, Luo Yang also introduced An Ying and Xu Zhenzhen.
Next, let’s talk about business.
Fortunately, Luo Yang's office was large and had a set of teapots specially placed there, so seven people could sit there.
Wen Xiaoxiao boiled water in advance, and after Luo Yang brought people over, she made way for making tea.
"This year's spring tea hasn't come out yet. Guan Xing, Chu Xing, Director Dong, should we drink last year's Qiuhong or Laobanzhang?"
"Anything is fine."
"Qiuhong, I drank it once in the office of Guanxing when I went to the headquarters for a meeting last time. I still remember it fondly."
The advantage of being a beautiful woman allows Dong Xuan to express her opinions more boldly.
"I was wondering why Qiuhong disappeared from the office. It turns out that you, Xiaodong, took her away!"
Guan Yongxing didn't mind and joked: "Next time, come to Mr. Luo's place to pick them. I think the Qiuhong here is of higher quality."
Everyone in the circle laughed.
Soon, the bright-colored tea was served to everyone's cups. After tasting the first cup, the topic turned to business.
"At the Chamber of Commerce dinner before the New Year, Lao He found me and talked about Mr. Luo's situation."
Guan Yongxing got straight to the point and said, "I heard that Naxue is planning to make a loan of 100 million?"
"Originally, I was timid and only planned to take out a loan of 5000 million."
Luo Yang smiled and said, "After reading the entire business plan, Mr. He thought that the company was taking too small a step and that the loan must at least double to support this year's expansion plan."
"Hahaha"
Guan Yongxing laughed and glanced at He Maosong: "Old He, you are in the financing business, so your steps are bigger than others."
"Nayuki has sufficient cash flow to support a loan of 100 million or 200 million yuan."
He Maosong also responded with a smile: "I believe you have done research in advance. How about a loan of 100 million? Be quick!"
"After receiving a call from the bank before the New Year, our Shanghai branch began to conduct a round of market research on Naixue."
Chu Junliang continued, "Although I haven't seen the company's financial statements yet, we selected ten stores in Shanghai and observed them for a week. Judging from the sales, Nayuki's profitability can indeed be considered exaggerated."
"Ten stores?"
An Ying interrupted at this time: "During the end of the year, sales are at their peak. If the average number of A, B, and C level stores is taken into account, the sales in ten days can reach about 400 million."
“What is the current interest rate for commercial loans?”
From the conversation between the two parties, it can be heard that the loan amount of 100 million should be no problem.
So Luo Yang directly asked about the cost of using funds.
"Before we set off, we just received a document from above informing us that the central bank raised the interest rate by another 9 basis points on the 25th."
Dong Xuan smiled and replied to Luo Yang: "Mr. Luo, the benchmark interest rate for loans with a term of more than five years has been raised to ."
"Director Dong, this is the base interest rate."
Financial Director Xu Zhenzhen promptly interjected: "In actual lending, banks will comprehensively determine loan interest rates based on factors such as the borrower's credit status, collateral, and repayment ability. The actual interest rate can be floating, and now commercial banks are competing with the Big Four for business, so the discounts will only be greater."
"Director Xu, let's wait for the leaders to decide on the general direction first. We can discuss this matter in detail later."
Dong Xuan glanced at Xu Zhenzhen and remembered this negotiating opponent.
"Since everyone is sitting together, it proves that both parties are sincere in making this loan business happen."
Guan Yongxing first glanced at He Maosong, then said calmly: "Old He, relationships are relationships, but the basic procedures still need to be followed. My idea is to finish the previous things first, and let them discuss the details of the specific interest rate."
After he finished speaking, he cast his eyes on Luo Yang's face: "Boss Luo, do you think this is okay?"
Luo Yang returned Guan Yongxing's smile.
"Director Xu, please cooperate with Ningbo Bank's preliminary research work."
He turned his head to look at Xu Zhenzhen and said, "Carry out this year's work plan step by step and advance the company's funding plan in an orderly manner."
1 million is good, but 5000 million can be just as useful. You must never put all your hopes on one bank, even if it was introduced by He Maosong.
Everyone present is a smart person, how could they not understand what Luo Yang meant?
We should cooperate well with Ningbo Bank as needed, and continue to contact other banks as needed. We should advance the lending work in accordance with the company's internal financial indicators and lend to whoever offers more favorable conditions.
It’s just business.
As a director of Nayuki, He Maosong is not sitting crooked.
At this time, he smiled and teased Guan Yongxing, "Mr. Luo has more than one company under his name, and he also has several other industries, especially those involving high-tech industries, which have a greater demand for funds. Old Guan, this business is just the beginning of the cooperation!"
Guan Yongxing and Chu Junliang looked at each other.
In terms of flexibility, local joint-stock commercial banks are indeed superior to the Big Four banks.
"It's not up to me alone to decide how many points it can be lowered."
Guan Yongxing spoke up in time: "After all, the authorization obtained by the Magic City Branch is so large. Mr. Luo, do you think this is okay? The research will proceed as usual. I will also discuss it with the head office. Finally, refer to the research results and give a satisfactory interest rate."
"Look at the Buddha's face without looking at the monk's face."
Luo Yang smiled and said: "Under the same circumstances, Naxue will definitely give priority to your bank!"
This is really a favor. After all, it was introduced by He Maosong. When the conditions are not much different, the loan business can be handed over to Yongcheng Bank. There is no pressure at all to do this kind of favor.
Then there was the small talk.
Because Yongxing and the others were there, most of the topics they talked about were in the financial circle.
Of course, a lot of what was said in front of Luo Yang was just gossip, and anything more in-depth would not be discussed here.
Luo Yang just treated it as a joke.
In this era of developed self-media, the inside stories of certain circles have been exposed thoroughly.
This circle is said to be even more chaotic than the entertainment industry.
I can only laugh.
As it was approaching lunch time, He Maosong suggested having a quick meal, so the group had a simple meal in a nearby hotel.
Before the two sides said goodbye, Chu Junliang repeatedly invited Luo Yang to have dinner together on the weekend after the Lantern Festival.
Considering that school would start after that weekend, Luo Yang did not refuse and agreed.
After returning to the company building, He Maosong did not go upstairs.
"I have to go back to Ningbo this afternoon, and I have to fly to the capital early tomorrow morning to do some work, so I won't go up."
He shook hands with Luo Yang and said, "Regarding the loan, you can handle it as you wish. Don't give in too much because of me. As far as I know, the Chamber of Commerce has managed to get an interest rate below 6%. Of course, that was before the base rate was raised. You can just use it as a reference."
"I was afraid that if I pressed too hard it would hurt your reputation, but now I feel relieved after hearing your words."
"Hahaha"
He Maosong laughed out loud, which was very rare.
Before leaving, he patted Luo Yang on the shoulder and reminded him, "You'd better bring Director An to the dinner next week. Their honey trap is very powerful!"
Luo Yang smiled and nodded, indicating that he understood what was going on.
It's just a sugar-coated bullet.
The banks’ tricks are very sophisticated.
Can Ronaldinho withstand it with his skills?
Monthly tickets, I want your monthly tickets!
(End of this chapter)
