The more Zhou Liwen's tone was underestimated on the phone, the more Yao Liang felt. At this moment, he regretted being too close to President Su. After all, since Zhou Liwen first asked him to help with a mortgage, he has never treated him badly in the past few years. Let's not talk about the benefits he took. Moreover, after taking the Zhou Liwen's ship, Yao Liang not only rose to prominence in his old unit, but then became a quasi-high-level official of Shanghai Bank by using the Alipay project. It can be said that there was no Zhou Liwen, that is, Yao Liang today.

I don’t know if it was lard that was confused or if there was a wrong nerve in my head, but I actually believed the lies with Su’s name and was a gun for him by a silence. Zhou Liwen was able to start from scratch in just a few years and become a billionaire with billionaires of assets. How could he be easily concealed by the tricks of Su’s name? What’s more, Yao Liang’s rise is entirely due to Zhou Liwen. Without Zhou Liwen, how could he sit in his current position? Not to mention the small villa where he lives now. Isn’t this all brought to him by Zhou Liwen?

After wiping the cold sweat on his face, Yao Liang felt that if there was a bottle of regret medicine in front of him, he would definitely drink it without hesitation. As long as he maintains Zhou Liwen, with Alipay's cooperative relationship, even if he can't stay in Shanghai Bank, can't he get a good job at other banks? Unfortunately, it seems that he is a little late to wake up now. Although Zhou Liwen has not yet broken up with him, his tone has an obvious politeness, which makes Yao Liang feel an unprecedented crisis.

"Brother Zhou, I know you are dissatisfied with our bank. To be honest, the bosses in this industry were originally from credit unions. They have a low cultural level and are inevitably more shallow. But you have to believe me, I have always been on your side. When the bank mentioned Alipay about it in the industry, I spoke for you."

"I know, hehe...hehe..." Zhou Liwen yelled.

Listening to this answer, Yao Liang felt a deep heart. He knew that if he didn't show some real things, it would be difficult for him to cooperate with Zhou Liwen in the future. Moreover, Zhou Liwen also reminded Shanghai Bank of China in this way that there are many banks in the world, and he can do business without Shanghai Bank of China. But if Zhou Liwen is gone, Yao Liang will be completely finished.

"Brother Zhou, why don't we meet again and there are some things we don't say too much on the phone."

"No need, I'm in Xiangjiang now. Didn't you tell you just now that the cooperation with Shanghai Bank will continue, so don't worry."

"It would be strange if I can rest assured." Yao Liang said in his heart, but he suggested in a pleading tone: "It doesn't matter, the plane from Shanghai to Xiangjiang is very fast. I will book tickets now and I will come here in a few hours. Brother Zhou, we are old friends, so will I give my brother this opportunity?"

Zhou Liwen thought about it on the other end of the phone. Just when Yao Liang was nervously thinking that Zhou Liwen was about to hang up the phone, the voice finally rang.

"Okay, when you arrive, you will come to Villa Mid-mountain directly. The address is..."

"Okay, I'll write it down, thank you Brother Zhou, thank you Brother Zhou!"

Yao Liang was really anxious. After hanging up the phone, he immediately ran to President Su to report. After learning the report results, President Su's face was not very good-looking, and he seemed to regret his previous cleverness.

Seeing that President Su had not made a decision for a long time, Yao Liang had no choice but to put forward his own suggestions. After listening to his suggestions, President Su thought about it, nodded in a sigh, and signaled to agree to let him go.

After leaving the president's office, Yao Liang rushed to the airport without stopping and bought a flight to Xiangjiang at the airport. At 4:30 pm that day, Yao Liang's plane landed in Xiangjiang, ran out of the airport and boarded a taxi, and rushed to the villa in the mountain.

When he arrived at the villa in the middle of the mountain, it was almost six o'clock. Zhou Liwen was sitting in the living room and watching the evening newspaper just arrived. When he saw Yao Liang coming so soon, he was surprised and nodded at him with a smile.

"Brother Zhou..."

"Come with me to have a walk over there." Zhou Liwen stood up and walked towards the small garden outside. Yao Liang hurriedly followed and landed behind him like a follower.

The garden of the villa in Banshan is not big, and it can be said to be much smaller than Zhou Liwen’s mansion in Shanghai. However, the scenery is different from the mountains and seas. Zhou Liwen took a few steps and stopped and turned around.

"You don't have to come here in such a hurry."

"Brother Zhou, I think I'd better come this time."

These two conversations seemed a little dazed, but both parties who spoke understood their own meanings. Zhou Liwen nodded slightly, indicating that Yao Liang could talk about it.

Face to face, Yao Liang knew very well that if Zhou Liwen could not be forgiven today, their cooperation would basically end. So, before coming, Yao Liang had thought about how to talk to Zhou Liwen. As soon as he opened his mouth, he apologized to Zhou Liwen, expressing his greatest sincerity and apology to Zhou Liwen on behalf of the Shanghai Bank. He also agreed to tell the reason why he deliberately tested Zhou Liwen because of President Su's instruction, and expressed his actions to be sorry to Zhou Liwen in this matter.

Zhou Liwen sighed when he heard this. He also made preparations before Yao Liang came. After all, everyone is friends and the cooperation was good before. In addition, Zhou Liwen really needs someone in the banking field. For him, Yao Liang was the role he chose. Although Yao Liang disappointed him in this matter and even had the idea of ​​abandoning him, if Yao Liang could recognize his mistakes and explain clearly to him, he would not be able to put him in a single code. After all, if someone changed, Zhou Liwen could not guarantee that others could stand completely on his side, let alone Zhou Liwen knew a lot about Yao Liang's personality, personality, hobbies, shortcomings, etc., and with this incident as a reminder, I think the probability of another problem in the future is also smaller.

When he heard Yao Liang tell him the story, Zhou Liwen gradually let go and felt that this young comrade should be the object of saving. After listening to Yao Liang's words quietly, Zhou Liwen asked the Shanghai Bank directly if there was anything substantial besides the verbal apology.

"Yes! Of course there is!" Yao Liang was not only happy when he saw Zhou Liwen raise this question, but was not disappointed. Zhou Liwen expressed his attitude that he was willing to continue talking with him, and was also willing to continue to cooperate in depth with Shanghai Bank. As long as he is willing to talk, cooperate sincerely, and give up some interests as sincerity, it is normal for Yao Liang to have obtained the authorization of President Su before coming.

Immediately, he told Zhou Liwen that the bank decided to reduce the original valuation by another 10 million yuan for the previous cooperation in the acquisition of unfinished building development projects, and at the same time, the additional investment of 15 million yuan in the development cooperation, but the final interests occupied by both parties will not change.

"25 million, haha, it seems that you President Su has invested a lot." Zhou Liwen smiled, but the irony in his words was that the deaf could hear it. He cooperated with Shanghai Bank to acquire unfinished buildings to develop, which is Zhou Liwen's plan to prepare the Guo headquarters building. At present, from the perspective of the real estate market, the investment cost of directly approving land and building buildings is too high. Although Zhou Liwen has sufficient funds, he does not want to invest so much money in this project in vain.

Moreover, the construction period of this kind is too long, and it cannot be completed in less than one and a half to two years from infrastructure to acceptance. Zhou Liwen was very familiar with the real estate market. When Guo Tao first proposed this idea with him, he had his own other plans.

The plan is also very simple, that is, to directly acquire the unfinished building for subsequent development. There are several benefits to this operation. First: Although the unfinished building doesn't sound very good, it is a half or even topped building after all. As long as the subsequent construction project is completed, the building can be built in a very short time. Second: Compared with land development, this not only shortens the project construction period, but also allows Zhou Liwen to quickly recover funds in capital turnover. As long as the construction is completed and acceptance is qualified, the property can be officially sold. Even if it cannot be sold, mortgages several floors to the bank, it can also recover funds as soon as possible. And third: It is also the most critical point.

That is, the nature of unfinished buildings is different. Unfinished buildings, as the name suggests, are real estate projects that developers lack development funds and regulate real estate in the past two years. Under the policy of tightening monetary policy of banks, the capital chain was cut off, and thus they were unable to continue to be built. Such real estate projects are currently escrowed by banks or mortgaged assets under the bank's name. Cooperating with Shanghai Bank, it is much more convenient in the operation procedures, and can also re-evaluate the property using legal bad debts, bad debts, depreciation and other items, so that only 70% or even 50% of the original development funds can be obtained from the bank.

It is precisely for these reasons that Zhou Liwen has cooperated with Yao Liang and Huhai Bank. Just like the one they are talking about now, which is almost capped. According to the design, the total investment funds of this property are 300 million yuan. The developer has invested nearly 200 million yuan in the early stage. The developer accounts for 47 million of these 200 million yuan, and the rest is all loaned from the bank. After the developer's capital chain is broken, the property becomes an unfinished building. The original developer has not yet found where to hide because he has not yet paid off the bank's loan. The bank naturally takes over the property as a debt mortgage.

According to the procedure, the current valuation of this property is 200 million yuan, and the developer borrows 153 million yuan from the bank. In terms of asset ratio, the bank has no losses, but don’t forget that banks are not building houses, nor real estate. Banks cannot continue to develop the property by themselves. What’s more, the real estate market is currently in a slump, and every real estate developer is full of debts. It’s too late to hide in development for everyone. Who has the courage to take on such a hot potato?

Banks maintain their operations and make money by attracting deposits and lending. Banks are not trading companies, nor are they engaged in industrial industries. Only when they are in the hands of the bank can they make money with money. No matter how much money a property is worth, it is garbage if it cannot be sold there. Once in and out, banks have to bear huge interest losses every month, which is extremely unworthy of the loss for bank operations.

Of course, this unfinished building does not belong to the name of Shanghai Bank, but to a commercial bank collateral of a Huacheng commercial bank. However, there are naturally their internal channels between banks. In order to handle debts, some banks will appropriately transfer and package and sell some debts that cannot be handled for a long time. Zhou Liwen aimed at this unfinished building with this idea. Although Zhou Liwen did not have this channel, Shanghai Bank has this ability! So after discussing with Yao Liang, the two hit it off, and the Shanghai Bank came forward to buy the debt at an internal price.

According to the initial agreement, the debt of 200 million is converted at 100 million. Of course, this is the price given by Shanghai Bank. As for how much Zhou Liwen they actually got, it is unknown. Next, after all, the unfinished building has to be completed, 100 million yuan of subsequent development funds will be invested. Among them, Zhou Liwen accounts for 70%, and Shanghai Bank as the participant accounts for 30%. That is, Zhou Liwen needs to invest 140 million yuan and Shanghai Bank invest 60 million yuan to get a business building worth 300 million yuan.

This is more than trading than Zhou Liwen. Shanghai Bank must have made a lot of money in it, and he can also take this opportunity to open Shanghai Bank to Huacheng and use this building as the headquarters of Huacheng Branch.

Now, Yao Liang told Zhou Liwen that in order to show sincerity, Shanghai Bank took the initiative to reduce and add 25 million yuan, which means that Zhou Liwen gained 50 million yuan in one entry and exit. To a certain extent, this sincerity is enough.

But what surprised Yao Liang was that Zhou Liwen did not accept this suggestion, but instead rejected the plan of Shanghai Bank.

"Brother Zhou, are you..." Yao Liang hurriedly asked Zhou Liwen if he refused to forgive him.

Zhou Liwen waved his hand and smiled and said, "I accept the price reduction of 10 million. As for the additional 15 million, it's fine. Some advantages can be taken, but some advantages are best not to touch. After all, everyone's proportion is there, and it will be a little trouble if someone talks about this matter in the future."

"Brother Zhou, please feel free. Then we will revise the contract and ensure there will be no end." Yao Liang felt that Zhou Liwen was too careful. In his opinion, it was completely unnecessary, so he immediately persuaded enthusiastically.

But no matter what Yao Liang said, Zhou Liwen always shook his head and refused. Seeing his attitude so firm, Yao Liang had no choice but to do it according to Zhou Liwen's wishes.

"I have another requirement, if your bank can meet it..."

"You said you said."

Zhou Liwen looked at Yao Liang and asked with a smile: "I heard that your bank is discussing cooperation, financing and shareholding with HSBC, commercial banks and several financial investment institutions? I would like to ask, if I also introduce a financial investment company in Xiangjiang to join the negotiations, can we cooperate under the same conditions?"

"ah!"

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Chapter completed!