Chapter 301 Tempting Bait
After talking about Sunshine Electronics’ loan, we talked about the house.
"The liquidation of the bankrupt company will begin next week and is expected to be completed within two to three weeks."
Cong Shanshan explained the issue that Luo Yang was concerned about with a look of deep emotion: "The auction of the house in Tomson Yipin will be held in the second week of next month. When I went back last time, I reported the situation to Director Dong. She meant that the bank only needed to recover the principal and interest, and left the relevant communication work to me."
"Give them all to Director Dong of your family?"
Luo Yang gave Cong Shanshan 30 yuan in cash last time: "Didn't you keep any for yourself?"
"I left 50,000 as a reserve fund."
With what she had just seen and heard, she did not hide anything: "There is still some work to be done in the future, and Director Dong understands."
He is not just thinking about himself, but is quite clear-headed.
"The court usually only gives you 7-15 days to make it. Will your bank have enough time?"
According to regulations, the full amount of the foreclosed property must be paid within 7-15 days.
"It depends on whether you register the house under the name of a company or an individual."
Cong Shanshan smiled and said, "If it is under the name of a company, you can just use Sunshine Electronics, but you need to change the company's registered address to Shanghai. If it is a personal loan, it won't be so troublesome. By the way, do you have a record of paying personal income tax for a full year in this city before March?"
“It should be more than a year.”
Since October 2009, Luo Yang has been earning a monthly salary of more than 2 yuan from Jincheng Real Estate, and has also been paying five insurances and one fund.
Not long after, he received another 2 yuan a month in consulting fees from , which was equivalent to paying two personal taxes.
Therefore, the purchase restriction policy introduced in January this year and to be promulgated in March will not affect his purchase of a house.
“It’s best if there is no impact.”
Cong Shanshan continued: "Personal loans are more convenient. As long as you have enough assets under your name, of course, there will be no problem for high-net-worth customers like you, so the loan time is shorter and the interest rate is relatively lower."
"Then do it under your own name."
Luo Yang didn't want to register Sunshine Electronics in Shanghai, so he could only consider personal loans.
The two chatted for more than half an hour before they finished discussing the three loans.
"Mr. Luo, I brought you some small gifts from the bank. I almost forgot about it just now."
After finishing the business, Cong Shanshan brought a beautiful bag beside her feet to the table: "This is a set of panda commemorative coins, which our bank specially prepared for VIP customers."
From desk calendars, commemorative cards to grains, oils, rice and noodles, from commemorative stamps, commemorative coins, and even gold ornaments. The banking system gives a wide variety of gifts to its customers.
Only you can't think of it, you can't do it without them.
For a high-quality customer like Luo Yang, what does it matter if he gets a loan of million yuan from Yongcheng Bank and gets a set of gold and silver panda commemorative coins as a gift?
"Thank you, Manager Cong."
So Luo Yang just said something polite.
"Of course you are. You are a VIP customer of our bank, and we will try our best to meet your requests, no matter how difficult they are."
This is what is meant.
"By the way, does your bank do asset acquisition projects?"
Suddenly thinking of something, Luo Yang asked, "The kind that includes asset restructuring and debt restructuring."
"?"
Cong Shanshan had originally intended to use this sentence to dig deeper and tease Luo Yang, but she didn't expect that he would change the subject so quickly.
"Boss Luo, I'm from the credit department."
She smiled bitterly and said, "I'm not familiar with the business of asset acquisition and debt restructuring. As for whether there is any, I can be sure that as long as it is a bank, there will be some. The only difference is the size."
“That’s a pity.”
"Ok?"
Cong Shanshan was startled: "Boss Luo, do you have any related business?"
“Not yet, but I plan to do so.”
Luo Yang smiled and said, "Maybe by the end of next year, when Naixue's cash flow is more sufficient, I plan to buy a headquarters building for the company. I want to see if there is a commercial building with a broken capital chain, and pick up a bargain at the same time."
A building?
The funds involved are at least several hundred million, tens of billions are common, and hundreds of billions are not uncommon.
Such a big business.
Cong Shanshan almost drooled.
This kind of first-hand information, an extremely rare opportunity, is just going to slip away from you?
"Mr. Luo, are you sure you want to buy a commercial building?"
"You think I'm kidding?"
"No, Mr. Luo, please don't misunderstand me. I don't mean to doubt your words."
Cong Shanshan quickly stood up and apologized: "I was just a little confused. My mind was just thinking about how to attribute this business to the credit department."
"Tsk, it's such a simple thing, you must know it, right?" Luo Yang said with a smile, "When encountering such a project, the enterprise cooperates with the bank. The bank first acquires the assets, then restructures the debt, and finally the enterprise buys the clean building and takes over the restructured debt. Isn't this debt equivalent to a loan?"
Having been involved in project mergers and acquisitions in his previous life, Luo Yang was very familiar with the process.
Not only are they familiar with the process, they also know how big the tricks are. Big enough to make all parties involved eat a lot of grease.
The only company that suffered a loss was the one whose capital chain was broken.
Although it spanned departments, Cong Shanshan, who had learned the basic knowledge of finance, immediately understood it after Luo Yang gave her some guidance.
My breathing suddenly became heavy.
I'm here today to discuss business, representing the bank, so I'm naturally dressed in standard work clothes.
His chest swelled with rapid breathing, and his white shirt was suddenly filled up, with the buttons looking like they would fall off in the next moment.
Especially the eyes, they are murderous.
Fortunately, it was in Luo Yang's office.
"Mr. Luo."
Cong Shanshan bit her lower lip and said, "I wonder if I have this opportunity?"
"It depends on your performance."
Luo Yang smiled meaningfully; "Anyway, it's still early for this matter, let's talk about it again when we have a chance."
This sentence means that today's chat ends here, which is equivalent to serving tea and seeing the guest off.
Just when Cong Shanshan was about to say something, there was a knock on the office door.
"Come in!"
An Ying pushed the door open and walked into Luo Yang's office: "Boss, Director Wang from the Brand Promotion Department has work to report. What time are you free?"
"I've almost finished my talk with Manager Cong, please ask him to come over."
After that, he asked, "What exactly is it?"
"They have come up with several names for the new product, including logo designs, and they want you to pick one."
Before leaving, An Ying nodded to Cong Shanshan.
"Manager Cong, can we talk again next time?"
"Okay, let's talk next time!"
Cong Shanshan stood up again, took the initiative to reach out and gently shook her hand, and the moment she let go, she hooked her little finger across the palm.
The benefits are exciting.
She looked at Luo Yang with bright eyes and said, "Boss Luo, it's a deal, you have to give me a chance to perform!"
There is still more than a year left, enough time to grind an iron rod into a needle.
The stones keep you warm.
Less than two minutes after Cong Shanshan left, Wang Peng from the Brand Promotion Department walked in.
There are four or five pieces of paper, with few words and mostly patterns. It doesn't seem to take much time.
"Chairman, are you not satisfied with these trademark designs?"
Seeing the boss frowning when he looked up, Wang Peng said nervously: "How about our department work overtime and try to come up with a few new ideas tomorrow?"
"Let me give you a suggestion."
Luo Yang tapped the table with his fingers. "Look up the oracle bone script of the word 'water', or words related to 'milk tea', and then evolve it based on the oracle bone script, twisting, rotating, simplifying, and materializing it. Finally, decide on the trademark."
Wang Peng was stunned for a moment, with a hint of confusion on his face.
He thought for a moment, and then a look of surprise appeared on his face.
It was as if a window had been opened in his mind, and countless creative ideas popped out of his head.
"Chairman, you are so amazing!"
Wang Peng said with admiration and excitement: "Inspired by you, I now have some ideas"
“Go get it while you have the inspiration.”
Without even staying for five minutes, Wang Peng from the Brand Promotion Department hurriedly left Luo Yang's office.
Another subordinate impressed by Luo Yang's talent.
It's not that Luo Yang is so great. In fact, his suggestion came from BYD's U8 trademark, which was derived from the evolution of the oracle bone script of the word "electricity". It has both connotation and image.
Sometimes it's that simple to show off.
Three more chapters, where are the monthly tickets? Give them to me now!
(End of this chapter)
