Chapter 456: Yang Zhenhua's plan

Now that it was about business, Tan Zhenhua was not polite, and asked bluntly: "Then, President Yang, what is your answer to my request? Can you borrow it?"
Yang Zhenhua smiled and said: "Mr. Tan, don't you be so anxious. For our bank, money is our commodity. People deposit money in our bank, but we have to pay interest. If the money we deposit in, we can’t use it. If we borrow higher interest rates, won’t we lose money?"
Tan Zhenhua was embarrassed by what people said so bluntly and frankly. Don’t look at him pointing out the world’s best-selling situation, but when it comes to borrowing money from the bank, no matter if it’s in the previous life or in this life, it’s a big the sedan chair. The first time.
Well, it can also be concluded from this point that Tan Zhenhua must have missed the golden 20 years of China Real Estate's development in his previous life, and he must have lived in the unit's housing reform.
Well, this was one of Tan Zhenhua’s biggest pain points in his previous life. As long as he mentioned it, he would have stomach cramps...
Fortunately, during this period of time, Tan Zhenhua has come into contact with big people. They speak and act higher than before rebirth. So after hearing Yang Zhenhua’s answer, he smiled and said: "Well, President Yang, then we might as well open the skylight and say Tell me, if you say that, then the money is definitely willing to borrow, but some conditions are needed. We don’t have to talk around, it would be a waste of time. You can just talk about your regulations. ."
Yang Zhenhua gave a thumbs up and said: "Okay, Mr. Tan is quick to talk, if that's the case, then I will talk about our bank's opinion."
"First of all, Mr. Tan is rated as a high-quality customer in our bank's internal rating. Therefore, a 100 million yuan limit is definitely no problem."
Yang Zhenhua came up and gave Tan Zhenhua a reassurance.
After saying this, he peeked at Tan Zhenhua’s expression, only to find that this man did not show any joy, still looking at himself with a smile, and listening to the following, he couldn’t help but give a secret compliment in his heart. Sure enough, he could be in Xiangjiang. The rapid rise of places where fish and dragons are mixed in this way must have abilities that ordinary people can hardly match.
"However, considering that this amount is very large, a certain guarantee is definitely necessary. Can Mr. Tan understand it?"
Tan Zhenhua nodded.
"I don't know, can Mr. Tan have any fixed assets in Xiangjiang that can be used as a guarantee?"
This is really not there.
Tan Zhenhua’s current assets in Xiangjiang are all cash or securities. As for real estate, there is no one. Of course, this matter is already in his follow-up arrangements. According to the plan, he will join forces with Lao Yu’s family and wait for Xiangjiang. After the real estate collapse, he used the cash in his hands to buy Heung Kong Real Estate on a large scale. According to his previous life experience, this is a lucrative business!
However, although this matter is in preparation, it has not yet officially started to be implemented.
So he had to shook his head and said: "No, all my assets in Xiangjiang are cash and securities, no real estate, and, by the way, let me add, President Yang, as far as Xiangjiang’s market is concerned, I personally feel that If real estate is used as collateral, the valuation discount will definitely be very low."
Yang Zhenhua smiled complimentarily: "Mr. Tan deserves to be a rising star of Xiangjiang's business. This is very accurate. Therefore, our case against real estate at Xiangjiang is now very careful. However, from another perspective, real estate valuation Value is also the easiest to do. After all, there are market conditions as a circumstantial reference for valuation. From the perspective of our bank lending, the operation is the simplest and stable. When the market is not good, our valuation and discounts should be conservative. ."
Tan Zhenhua nodded and said, "Yes, but I really don't have real estate at the moment. Can President Yang have any suggestions?"
Yang Zhenhua thought for a while and said, "Then, Young Master Tan, I will propose an operation plan. Of course it is only my personal suggestion. You can think about it."
"What do you think."
"I heard that all of Mr. Tan’s capital accounts are currently opened with HSBC. I guess this should be related to Mr. Guo Zhaode, the actual trader of your "Red Flag Fund". However, since Mr. Guo has left HSBC, then Tan Has your husband considered opening a bank with another fund account?"
"You mean...to drive to your bank?"
"Yes, our Bank of China Xiangjiang is also an old-fashioned bank on the grounds of Xiangjiang. There are currently nearly 200 shops in total. Moreover, since the first supplementary order was issued in January 1950, the assets and management of Bank of China Xiangjiang will be managed by the head office of China. Our business scale has always been among the top three in Hong Kong, and I will reveal a secret to you personally. Our Bank of China is negotiating with the British government and Hong Kong authorities on the issuance of Hong Kong dollars and Australian dollars."
What Yang Zhenhua revealed is a very important financial information. Although Tan Zhenhua still doesn't know what kind of benefits this information can bring to him in advance, knowing this kind of inside information in advance will undoubtedly give him some first-mover advantages.
However, these alone can't move Tan Zhenhua, what he needs is practical benefits.
So he replied: "President Yang, I certainly agree with the creditworthiness of state-owned banks like Bank of China, but you also know that my investment in Heung Kong is mainly financial assets, so there are some practical problems. To be honest, I opened my fund account with HSBC. It was indeed because of Guo Zhaode. However, HSBC did not let me down. It gave me quite favorable trading conditions and leverage policies, and also did other services. It’s pretty good, at least so far, I have nothing to fault, so if I switch my fund account rashly, I’m afraid..."
Yang Zhenhua said without hesitation: "Mr. Tan, you don’t have to worry about this. No matter what the terms of HSBC’s opening, our Bank of China can give you the same. Moreover, as long as you open an account with our bank, as long as the account is If the total assets are not less than a certain number, then I agree to use the assets in your account as a guarantee to give you a domestic quota of 100 million yuan. Of course, you need a legal corporate enterprise to bear this quota."
Tan Zhenhua grasped the main point in his words: "Then President Yang, you might as well tell me clearly what the "certain number" you just mentioned is."
Yang Zhenhua hesitated for a moment and said, "One hundred million US dollars."
Tan Zhenhua smiled, then shook his head, and replied categorically: "No, too high!"
"Then Mr. Tan, how much do you say is appropriate?"
"This year 50 million US dollars, next year 40 million US dollars."
"Mr. Tan, are you joking. The official exchange rate of USD to RMB in China is now 1:1.9. You are only willing to use USD 50 million as a guarantee. If you count it, the guarantee amount will not be enough for you. How could this be possible? What's more, you have to reduce the guarantee payment next year, which is even more impossible!"
Tan Zhenhua smiled slightly and said, "President Yang, everyone is eating in the financial world. You don't think that if I really want to put out 50 million US dollars, I can only exchange it for 95 million yuan, right?"
"This one……"
"Also, can you hold 1:3 next year's exchange rate? Should we make a bet?"