Chapter 195 Okay, It’s Just You!

"Actually, there is no need to guess. This company has been in the limelight recently, and you should have seen relevant reports - it is the 'Yellow River Storage' that broke the foreign monopoly."

Feng Xing did not wait for Zhang Xiaoou to speak and directly gave the answer.

Zhang Xiaoou was stunned, and his face suddenly became a little ugly.

He had already realized that he was still thinking about this just now - wasn't it the same company that Director Wang asked them to help with mortgage loans two days ago?

This...why did this alarm the central bank and the China Banking Regulatory Commission to issue a special document? !

In surprise, he quickly frowned and looked down at the document in his hand, but when he saw it, he was even more shocked!

As Feng Xing said, in the documents of the China Banking Regulatory Commission, this company named "Yellow River Storage" was not only included in the "key support list of chip companies", but also

The China Banking Regulatory Commission specifically requested all banks in writing to do their best to ensure smooth financing channels and meet their financing needs!

At the end, Zhang Xiaoou was completely silent.

The central bank took the lead, and the China Banking Regulatory Commission specially issued a document to support it!

Good guy, what is this? !

After a while, he began to panic for the first time.

You know, a few days ago he personally took the lead in rejecting Director Wang's proposal and refused to provide loan mortgage business to "Yellow River Storage"...

But now...

If this matter were known, I might not be able to afford it!

Zhang Xiaoou's expression was a bit wonderful, and it all fell into Feng Xing's eyes.

Of course Feng Xing didn't know what Zhang Xiaoou was thinking, and thought he was just too surprised. After a moment, he patted Zhang Xiaoou's arm and said seriously:

"Xiao Ou, the China Banking Regulatory Commission takes this matter very seriously, the head office takes it very seriously, and I also take it very seriously."

"And as far as I know, the other four state-owned banks also attach great importance to this matter and have expressed their intention to cooperate in depth with Yellow River Storage! Of course we cannot lag behind."

"So, I decided that I will personally take charge of this matter as the team leader. You will be the head of the credit department and you will be the deputy team leader. We must be the first to contact Yellow River Storage to reach a cooperative relationship."

As he spoke, he paused and concluded:

"In short, it doesn't matter whether we make money or not. What's important is that we must actively respond to the requirements from above and do everything we can to reach financing cooperation with 'Yellow River Storage' as soon as possible so that the above can see our firm support. Do you understand?" ?”

Zhang Xiaoou couldn't express the pain in his heart. Of course he understood what Feng Xing meant.

To put it simply, these are all political achievements. When reporting to the leaders at the end of the year, they can be a special achievement!

Thinking of this, he glanced at Feng Xing with a guilty conscience. Two days ago, an excellent opportunity was presented to him, but he personally rejected it...

Zhang Xiaoou completely regretted it. At this moment, Feng Xing suddenly coughed heavily, with a trace of displeasure on his face.

"What? Don't you understand?"

Zhang Xiaoou quickly reacted, nodded hurriedly and said:

"Feng Xing, I understand. I will contact Yellow River Storage immediately and I will find a way to start financial business with them as soon as possible!"

"Okay! It's up to you this time. We must reach a cooperation with 'Yellow River Storage' before other banks!"

…

Not only Zhang Xiaoou's commercial bank received the notice from the China Banking Regulatory Commission, but the other four major banks invited by Director Wang two days ago also received the same news.

Like Zhang Xiaoou, the people in charge who rejected Director Wang were completely dumbfounded and regretted it endlessly!

But is there any way to quickly cooperate with "Yellow River Storage"? !

no way!

The best way is to shamelessly contact Director Wang again to see if the business from two days ago can be renewed!

"Hello, Director Wang... Hello, hello, I'm Xiao Liu from the Credit Department of the Bank of Communications. Well... we met two days ago..."

"Hello, Director Wang, I am Mr. Zhang from the Agricultural Bank of China... I would like to know more about the land mortgage loan of 'Yellow River Storage' that you mentioned two days ago... Are you not free now? Then I will go to your office. Waiting..."

"Director, did you disturb your rest? Oh, you remember my name, yes, yes, yes, I am from China Construction Bank... Please don't call me President Wang. Just call me Lao Wang... Well, I am mainly looking for you today to get to know you. Let’s talk about the loan business of ‘Yellow River Storage’ last time…”

In just two hours, Director Wang was completely blown away.

He was still worried about this matter two days ago. Unexpectedly, just after ten o'clock this morning, the presidents and directors of major banks were calling like crazy, as if they didn't want money.

All the calls pointed to one thing - that was the 100% land mortgage loan of "Yellow River Storage" two days ago!

Of course, Director Wang didn’t think this was a show of kindness from the bank. When he asked about the news, he was completely stunned!

Good guy, the country is indeed supporting the chip industry, and even city and provincial leaders attach great importance to it.

but!

The central bank takes the lead, and the China Banking Regulatory Commission names and protects it. This is so awesome!

The cards!

Soon, near noon, the presidents of several banks came to his office in person.

Director Wang felt very happy. Seeing the presidents in front of him who were usually arrogant and did not take him seriously, they sat obediently on the sofa and stared at him. It was a rare occasion for him to pretend to be powerful.

"President Liu, are you sure you can accept a 100% land mortgage loan?!"

"Yes, of course we can, absolutely we can. Land mortgage loans are the best collateral, so why can't we?"

Director Wang nodded with a smile, very satisfied, and his eyes fell on the person next to him.

"President Wang, can you accept the annual loan interest of 2.8%?"

"Okay, okay, no problem at all! Supporting state-owned enterprises is our unshirkable responsibility. What does low interest rate mean?"

Director Wang couldn't even hide his smile. This cooperative attitude really made people feel comfortable.

Then, his eyes fell on the other bank president sitting at the end of the sofa, and his eyes suddenly focused.

He clearly remembered that the president's name was Zhang Xiaoou, and he came from Yanguo's largest bank, the Commercial Bank. Two days ago, he was the first to reject his proposal and leave the meeting room first.

Thinking of this, he smiled even more in his heart, but before he could speak, Zhang Xiaoou, who was sitting on the sofa, suddenly stood up, his face full of hospitality.

"Director Wang, our commercial bank is also willing to cooperate with 'Yellow River Storage', and we can reduce the loan interest to 2.5% per year!"

"And if there are other projects that require financing in the future, our commercial bank will definitely support it!"

"oh?"

Director Wang was stunned, is he rolled up now?

However, thinking about Zhang Xiaoou's initiative to dismantle himself two days ago, I still felt very unhappy. It was rare that I got the glory of "Yellow River Storage" today, so I had to make things difficult again no matter what.

He looked at Wang Xiaoou and said with a half-smile:

"President Zhang, are you willing too?!"

"I remember that you said that the city cannot be so biased towards Yellow River Storage. If a hole is opened here at Yellow River Storage, what will other companies do in the future?"

Zhang Xiaoou's face suddenly became embarrassed.

"Director Wang..."

Fortunately, Director Wang didn't really want to meet Zhang Xiaoou. Seeing that Zhang Xiaoou was speechless on the spot, he coughed lightly and glanced around at the people present.

"Everyone, I know what everyone is thinking."

“But since everyone is willing to take over the business of ‘Yellow River Storage’, the final bank to cooperate with depends on the choice of ‘Yellow River Storage’ Mr. Mo Ranmo.”

"Well, let's meet at Yellow River Storage tomorrow morning. Then you can talk to Mr. Mo in person."

…

The news quickly reached Mo Ran's ears, and Mo Ran was also a little surprised. He never expected that the bank would agree to such an outrageous plan.

to be honest,

When I proposed zero down payment and 100% land mortgage loan to Director Wang, it was more about setting out the conditions and then sitting down and talking slowly.

He even made a plan to buy land with a 30% down payment.

After Director Wang quietly informed him of the notice issued personally by the Banking Regulatory Commission, he understood that this should be the credit of Minister Zhang.

"Minister Zhang's efficiency is really fast..."

Mo Ran was filled with emotion at the sudden success. The next morning, he thoroughly felt the power of the policy and the enthusiasm of the bank.

At nine o'clock in the morning, the branch presidents of the four major state-owned banks arrived at the "Yellow River Storage" in person without caring about their appearance.

First of all, after careful understanding, the land that "Yellow River Storage" wants to buy does have favorable geographical conditions. In addition, the city's support for "Yellow River Storage" this time, the land price given is not high, even if it is 100% valued The risk of mortgage loans is also not high.

Secondly,

The most important thing is that the four major banks all clearly attach importance to this cooperation with "Yellow River Storage"... Under such circumstances, no one wants to fall behind.

As soon as Mo Ran walked into the conference room, everyone stood up quickly, gathered around him enthusiastically, and shook hands with Mo Ran.

"Hello, Mr. Mo, I am the head of the credit department of Rongcheng Agricultural Bank of China. You can just call me Lao Zhang."

"Hello, Mr. Mo, I have long admired your name. I would like to excuse you today. I am Xiao Liu from the Bank of Communications..."

"Mr. Mo, please forgive me for my unexpected visit. I am from China Construction Bank, and my surname is Wang..."

Mo Ranpi smiled and shook hands with everyone one by one. When a few people were introduced, he found that he had an impression of several bank presidents present, and he had interacted with two or three of them several times.

Soon, he remembered.

Now it is the financing business of "Yellow River Storage", but Nietzsche Company has actually approached banks twice before for mortgage loans.

One time was when I spent 800 million to acquire "film and television copyrights" from LeTV, and I wanted to find a domestic bank to pledge the film and television copyrights.

But in the end, only China Merchants Bank gave a valuation of 300 million, and the four major banks even directly refused to accept such film and television copyright business. In the end, Nietzsche found "Blackstone Capital" and borrowed 700 million at a high annual interest rate of 22% to buy the third A photolithography machine.

The second time was to pledge 40% of Nietzsche's equity. The four major banks also refused to accept the equity pledge of a private enterprise. In the end, China Merchants Bank approved a quota of 800 million, which alleviated Nietzsche's urgent needs at the time.

Thinking of this, Mo Ran felt a little unhappy.

To be honest, after the previous two experiences, he didn't have any good impression of this group of people at all, and he didn't want to deal with the group of people in front of him.

but……

There is currently no other choice. If you want to get the first piece of land belonging to "Yellow River Storage" with zero down payment and low interest, you can only choose one to cooperate!

Mo Ran took a slight breath in his heart. Although he was unhappy, his reason told him that he needed to endure it.

soon.

Mo Ran endured his discomfort and listened to the detailed plans of each of the four banks.

The plans of each company are almost the same. Overall, the land value is about 800 million yuan, and the interest rate is between 2.5% and 2.8%, which is very cheap.

The only difference between the commercial banks is that they offer a repayment cycle of up to 5 years.

800 million, 2.8% loan interest, five-year period, this can no longer be said to be full of sincerity, it is a gift of money.

Zhang Xiaoou saw Mo Ran's eyes shrinking slightly after hearing the quotation, and he felt happy and his tense nerves relaxed slightly.

Of course he knew the appeal of this offer. This offer was a support policy that he had gone through so much trouble to apply for from the headquarters. He was confident that no one could refuse such loan cooperation!

A hint of joy appeared on Zhang Xiaoou's face, and Director Wang, who attended the whole meeting, was also quite satisfied.

After listening to the entire meeting, it is true that the commercial bank's plan is the most cost-effective.

He looked at Mo Ran, who couldn't help but nod slightly. Low loan interest can greatly reduce the cost of using funds.

The long loan period will undoubtedly greatly alleviate the pressure of short-term debt and allow more funds to be used in early R&D investment.

but.

Looking at Zhang Xiaoou in the commercial bank, he couldn't help but recall the indifference and disdain Nietzsche had shown when he handled the loan business.

"That's all, just bear with it."

Mo Ran muttered something silently in his mind, and then prepared to discuss further details with Zhang Xiaoou.

But at this moment.

The door of the "Yellow River Storage" conference room suddenly knocked softly. Mo Ran looked over and saw that a crack in the door was opened, revealing a timid face.

Before Mo Ran could react, the man said:

"Sorry to disturb you all, I heard that 'Yellow River Storage' is negotiating a loan business, so I came here to take a look."

"Our China Merchants Bank has also prepared a plan. Can I come in?"

A crisp voice sounded, and Mo Ran was startled, and then his face lit up with joy.

Merchants Bank!

The person who came turned out to be China Merchants Bank, which had a good relationship with Nietzsche and had helped Nietzsche in times of need!

Taking a closer look, he turned out to be an old acquaintance.

Jiang Shuqi, the director of the credit department of the Phoenix Branch of China Merchants Bank, is young and beautiful but has strong business ability.

"Okay, come in."

Jiang Shuqi is not surprised that Mo Ran is the boss of "Yellow River Storage".

With a smile in her eyes, she glanced at Mo Ran, and then handed the plan in her hand to Mo Ran.

"Mr. Mo, to be honest, we have also received the notification document from the China Banking Regulatory Commission on supporting your company. For our own domestic brand like 'Yellow River Storage', our China Merchants Bank will definitely give full support!"

"The plan we gave this time is a 3% annualized loan, which can be applied for up to 5 years."

3%? !

Everyone present breathed a sigh of relief when they heard the annualized interest rate.

Among the four banks present, if the starting price is not 2.5%, the maximum is 2.8%!

How competitive is 3%? !

But no one expected that after a moment, Mo Ran smiled slightly, looked at Jiang Shuqi and nodded.

"Okay, it's just you."