Rebirth of financial migrant workers

Chapter 121: A scene full of subterfuge
October in Hedong is always cold and warm at first, and the temperature changes erratically, like a girl's unpredictable thoughts.

A cold wave suddenly invaded during the night, causing the temperature to drop by almost ten degrees.

The road was foggy, just like Wang Chunliang's mood at the moment.

"Why are we going to the Pearl Hotel?"

As she spoke, Sister Jun's feet were swaying gently, and the black stockings she wore exuded a mature charm, attracting Wang Chunliang's sideways glances while driving.

"Of course I'm going to bid!" Taking advantage of the red light, Wang Chunliang, who was in the driver's seat, bent slightly and patted Sister Jun's feet, signaling her not to interfere with the driver's view.

Sister Jun gave Wang Chunliang a slap on the thigh with her backhand and asked angrily: "Speak nicely, haven't we already accepted Shuanghe Land's loan? Do we still have the energy to represent Hengda again? And even a small branch like ours doesn't accept it." If you go here, will you be kicked out?"

Wang Chunliang smiled: "Don't worry, Hengda will definitely welcome us."

The Pearl Hotel is located in the central section of the new district, and its large surface parking lot is its signature.

However, the parking lot was full of cars at this time, indicating that there were really many banks attending the meeting today.

Sure enough, when Wang Chunliang took Sister Jun to the conference hall on the 10th floor, he looked around and saw that the huge venue was already full of people.

The five major banks, with the exception of Tianye Bank, which has never been involved in real estate loans, were all present. Local banks in Hedong, whether they had the ability to handle development loans or not, were all present.

Wang Chunliang also saw President Ling Jiangning of the Chenghuang Branch, a special branch of Mule Bank, sitting in the front row of the venue with his team. He looked like he was not sure about this tender.

Sister Jun took Wang Chunliang to find an empty seat in the back row and sat down obediently. Wang Chunliang took out his mobile phone and compiled a text message and sent it to Gangzi:

'Chenghuang Branch participated in the Hengda tender, why didn't I see you at the scene? '

Soon Gangzi’s text message came back:

'I offended the branch manager Luo Tuzi and was exiled to the Government Affairs Center to help. If you see him, don't give me face and mess with him hard at the bidding meeting. '

'Your family background is so tough, how dare he make trouble? Also, tell me a bit about your branch’s bidding strategy this time. '

'Luo Tuzi's family has connections in the province, so they are very tough. I can’t tell you directly about the bidding strategy. Anyway, the interest rate is based on the current market price, and the target ideal price is not less than 40% higher than the benchmark. '

Sister Jun rested her head on Wang Chunliang's arm and read the text message, looking a little worried: "Chenghuang Branch is a traditional branch of our Mule Bank. Over the years, almost all large real estate project loans have been covered by them. With them here, we have nothing to do."

"Haha, it turns out that your Sanlimiao branch is somewhat self-aware!"

These unfriendly words caused both Wang Chunliang and Sister Jun to raise their heads, only to see a bald young man wearing a mule bank uniform standing in front of them.

Wang Chunliang immediately realized that this must be the bald manager mentioned in Gangzi's text message.

Even though Manager Luo is bald, he is actually not very old and has only been in the industry for more than three years.

When he first joined the corporate department, it happened that the branch organized centralized training for marketing department employees, and he fell in love with Sister Jun, the star of the Hedong Branch, at a glance. After that, Manager Luo expressed his love to Sister Jun many times one after another, but was ruthlessly rejected every time.

After learning from the experience, he had to work day and night to divert his attention. Manager Luo's hair became even thinner, and he eventually became the famous "Luo Baldy" in the industry.

Just as Sister Jun entered the venue, Luo Tuzi, who had an old crush on her, took a look.

Seeing a male manager with much more hair than him talking and laughing with Sister Jun, Luo Baldy felt sour and bitter in his heart. He finally couldn't help but came to the two of them and took the lead in turning on the taunting mode.

When he saw the two of them staring at his hair after a brief daze, he suddenly felt ashamed and continued to output in anger:

"The attendees this time are either corporate departments of major bank branches or special branches of provincial banks. I remember that Hengda did not invite small branches like yours."

Wang Chunliang always has a high tolerance for people with thin hair. He answered with a smile:

"Manager Tuluo, our small branch focuses on participation and feeling the atmosphere. Your Chenghuang Special Grade Branch is the face of Mule Bank. We cannot lose to other banks in this bidding meeting."

Luo Baldzi smiled coldly, looked at Sister Jun again, and found that she was still so beautiful, and the look she looked at him was still so ruthless. He said "You will regret it" and turned around to leave.

Not long after the bald man left, Wang Chunliang heard someone calling him. He turned around and saw that it was his old acquaintance, Mr. Jian from China Construction Bank.

Wang Chunliang stretched out his right hand and shook the other person's hand in a friendly way, pretending not to see the other person in advance, and asked curiously: "Mr. Jian, doesn't your Construction Bank have no real estate loan limit? Why are you still here to attend the meeting? "

Mr. Jian looked around, approached Wang Chunliang and replied in a low voice: "The headquarters has a close relationship with Hengda, so we asked our branch to come over to support them. We only pretend to do nothing. But your branch has already accepted the loan from Shuanghe Land and has paid back the loan." Can you afford Hengda’s huge sum?”

"I'm just here to learn from the seniors in the banking industry who are involved in real estate projects. Mr. Jian, please show me the investigation report when your branch approved Shuanghe Land."

Mr. Jian frowned at first, and then found that he was not very resistant to handsome boys like Wang Chunliang, so he extended his hand and gestured 'OK', and quickly returned to the building with a little guilt of betraying business secrets. ICBC seats.

Wang Chunliang was left talking happily to himself: "The first small task today is completed."

Seeing more and more banks coming to the scene, Sister Jun felt a little unhappy and pinched him: "There are too many banks, we will definitely not be able to compete!"

Wang Chunliang leaned close to Sister Jun’s ear:

"Let me give you an analysis. This time Hengda's tender claims that it wants to attract banks to provide syndicated loans, but this is not realistic.

In real estate syndicated loans, the lead bank can get the majority of the derived income, and other agent banks and participating banks can only take a share of the pie. Each bank will rush to be the lead bank, and if it fails, they will not participate at all.

In addition, it is difficult to reach a unified standard in the short term regarding the approval policies, risk preferences, and interest rate levels of the participating banks in syndicated loans, so it is inevitable that Hengda's syndicated loans will not take shape.

Syndicated loans cannot be made, only a single bank can absorb the entire loan quota. I showed you the statement yesterday. Currently, only our Mule Bank has sufficient quota.

In other words, except for our Sanlimiao Branch and Chenghuang Branch, this full banking event is basically a trust! "

(End of this chapter)