Island Tycoon

Chapter 409 Reaching an Agreement (Two in One)

"Zhang Sheng, Cao Sheng, you are all sensible people, so I won't hide it from you anymore."

Ye Jingcheng had already prepared some arguments before he arrived, but now he just explained: "Actually, in the previous bidding meeting, I bid for a piece of land with a few friends, and I planned to take the money for development purposes."

"I understand that." Zhang Mingtian nodded, but it wasn't a confidant.He and Cao Yao were also present at the last bidding meeting held by the Zhengfu. The purpose was to understand the status of the real estate industry.

How to say the overall situation, according to the current situation, there is still a lot of room for growth, but the risks to be borne are also relative.

As a person who came from Lu Le's time, Zhang Mingtian has witnessed several real estate ups and downs. Especially the anti-corruption actions in the early years caused a large number of corrupt police officers to flee, which caused the real estate market, which was very prosperous at that time, to collapse instantly.

What Zhang Mingtian is most worried about is that he is not familiar with real estate. If such a special event happens again, and he fills in all his net worth, then he will really want to cry, so his plan is to continue to wait and see for a while .

Although Zhang Mingtian's ideas are far-sighted, it is a pity that he is unable to prevent this disaster, especially the building mortgage business launched by the bank.

The decision-maker thought that the lending would not affect the interests of the bank, but he did not expect to export a large amount of working capital, and also acquired a large amount of US dollar check business from the Dominican Finance Company, which directly led to the subsequent collapse of the capital chain.

Otherwise, it would be just a sudden disaster of plummeting housing prices, and Overseas Trust Bank would not be the first bank to come forward to rescue the market.

While Zhang Mingtian was discussing with Cao Yao in a low voice, Ye Jingcheng also stopped flipping through the documents. He had already read the evaluation of this property.

The tens of thousands of square feet of luxury house purchased by Repulse Bay has an appraised value of 600 million.The appraised value of the entire Shinsegae Department Store is 2000 million, and the 15 theaters under the name of Nanguo Cinemas are appraised at 5000 million.

The last is Qingdeng Entertainment Film Co., Ltd., which has a different value from the former.The appraised value of the above three industries is the value directly appraised from the property.

However, Qingdeng Entertainment does not have any physical property, and even the office building does not belong to it, so this assessment is very complicated.To put it bluntly, Qingdeng Entertainment is just a brand, plus some industry resources including equipment, artists, channels and so on.

These resources belong to a relatively erratic category. How can I say that they are not as secure as physical properties, so the prices of banks are relatively low.It's not even as good as that department store, with an estimated value of only 8000 million.

All of Ye Jingcheng's properties that had been mortgaged were less than 600 million, only [-] million.Of course, this value is not the maximum value of his properties, but the mortgage price that the bank is willing to lend to him.

Otherwise, if it is just a Qingdeng Entertainment, if the target is replaced by insiders like Shao Yifu and Zou Wenhuai, they are at least willing to pay the value of a theater chain to buy it.

Moreover, unless the bank itself has the idea of ​​taking over the industry, the assessed value must be several percent lower than the market value. This is done to protect its own interests.If the mortgagor really has no way to repay the debt, the bank also needs to deal with taking over their property. If there is no incentive to benefit, is the bank really only for that little interest?
Seeing that Ye Jingcheng seemed to be in trouble, Zhang Mingtian took the initiative to say, "Young Master Ye, if you have any ideas, you might as well tell us."

"I hope the loan period can be longer, and this amount..." Ye Jingcheng shook his head, expressing his dissatisfaction with this evaluation.

Zhang Mingtian and Cao Yao looked at each other, and the latter asked, "Young Master Ye, do you want to borrow the largest amount, or do you have an advance budget?"

As for the time to repay the loan, this is relatively negotiable.As long as Ye Jingcheng didn't intend to delay it for ten or eight years, they would still wait for two or three years.

Ye Jingcheng deliberately sighed, and acted, "I need to raise at least one billion yuan in funds, otherwise this plan cannot be carried out.

hiss! ! !
"One billion! It seems that you, Young Master Ye, have a large share of the investment this time." The two couldn't help but gasped.

You must know that today's overseas trust banks only have a liquidity of [-] to [-] million at most. If they plan to lend this money to Ye Jingcheng, they must find a partner to transfer the liquidity.

"I also know that you two are in a dilemma. After all, these properties of mine are still a short distance away from this value. And the bank must not only have the two of you as shareholders, but also need to take into account the feelings of other shareholders." Ye Jingcheng said for the sake of the other party.

Forehead!
This concern made the two of them a little speechless. Both of them belonged to people with a strong desire for control. Therefore, the shares of the overseas trust bank that were originally dispersed were slowly recovered by them. Now the bank's shares are basically owned by three people. master.

And the two of them together already own more than [-]% of the shares, so they can make any temporary decision, as long as they notify the other director afterwards.

"Young Master Ye, one billion is indeed beyond our internal assessment, or do you have any other properties that can be used as collateral?" After speaking, Zhang Mingtian and Cao Yao exchanged glances.

Ye Jingcheng thought about it seriously, and played out his trump card: "I still have gold reserves in a vault, worth about [-] million."

The price of gold, a precious metal, is very transparent, and the value can be calculated by referring to the current price. Based on the current gold price, it is about four tons of gold reserves.

This batch of gold is not the original batch, which was sold to jewelry tycoon Zheng Yutong when the price of gold was high.After all, Qianlong Investment under his name, Yuan Tianfan and Li Zhengping did not eat dry food. When the gold market rebounded some time ago, they took advantage of the low price of gold to absorb a batch.

"Young Master Ye, the two of us need to discuss it, don't you mind?" Zhang Mingtian tilted his head, motioning for Cao Yao to talk about it outside.

This batch of gold reserves plus Ye Jingcheng's original property, it is still possible to say that it is worth borrowing one billion, but this price is already close to their market, which means that Ye Jingcheng intends to make a full loan.

It can be said that in the eyes of Zhang Mingtian and others, Ye Jingcheng's actions are completely intended to fight as hard as he can, and if he fails, he will be benevolent.

People who bet on fate, Zhang Mingtian said to himself, have become commonplace since he entered the industry.Among them, there are many people who are more capable and ambitious than Ye Jingcheng.

But the final result of these people...

Business failures accounted for the majority, and even lost their original business, or owed a large amount of debt.

The most important thing is that their mentality has been seriously affected, and they even lost their way on the road of career. Some of them couldn't bear the stimulation and chose various ways to commit suicide.

But these have nothing to do with him personally, as long as Ye Jingcheng has a property of sufficient value, it would be profitable for the bank to lend him money.Even if Ye Jingcheng is one of the very few successful people, he still has to give the bank a sum of money as interest in the end.

If he was really allowed to choose, he definitely hoped that Ye Jingcheng would not be able to repay the debt, and then the mortgaged property would fall into his hands, so that the benefits would be maximized for him.

Zhang Mingtian and Cao Yao left the office for nearly half an hour, while Ye Jingcheng enjoyed tea alone in the office.Just when he was feeling sleepy after stretching, the two walked in with smiles on their faces.

"Young Master Ye, our bank is very optimistic about your youth and promise. Even if your mortgaged property does not fully meet our assessment, we can still give you flexibility." Zhang Mingtian informed Ye Jingcheng of the result of the discussion.

Afterwards, Cao Yao helped from the side and said, "However, to raise such a large sum of money, our bank also needs time to operate. Look at this fund in three installments, how about two-month cycle approval each time?"

Half a month?In less than three months, your bank's funds will be completely emptied, so what will you use to lend him?
Ye Jingcheng sneered secretly, but on the surface he said with a frown: "Can you approve it as soon as possible? I want to complete the land and sell it as soon as possible. I can make some concessions in terms of interest. I only hope that the approval period will be within a month." Inside."

"One month is too much." Cao Yao shook his head.

After all, Overseas Trust Bank is not such a large bank as HSBC, and it can draw [-] billion [-] million at will. This billion is already one-third of the working capital of Overseas Trust Bank.

It takes one month to complete the transfer. The biggest difficulty is not that there is a problem with the funds themselves, but that these funds are scattered to various businesses. Such a rapid transfer may affect the development of the business.

On the other hand, Zhang Mingtian on the side had other thoughts. The reason why he agreed to the loan this time actually had his own personal reasons, that is, he took a fancy to the film industry developed by Ye Jingcheng.

If only Ye Jingcheng had made achievements before, he would definitely think carefully about whether to get involved in this industry.But now with the appearance of "Best Partner", Ye Jingcheng is no longer the only one in the film industry.

Although even the movie "Best Partner" is still unlikely to break his highest box office of 3000 million, but his record of 2000 million box office has been broken, which proves that Ye Jingcheng is not unattainable.

And the behind-the-scenes person who broke the deadlock was actually Lei Juekun, a recognized outsider in the film industry.Even in the case of Lei Juekun, he can make a lot of money through movies. You are lying to say that other outsiders are not tempted.

Even some industry tycoons intend to get involved in this line.Not to mention that Zhang Mingtian, as a banker, is particularly sensitive to investment in various industries, and he will definitely not miss any opportunity. .

What Zhang Mingtian is thinking now is that it is difficult for the bank to mobilize one billion yuan of liquidity in a month, but at least seven to eight hundred million can be collected.As for the rest...

He doesn't only have Yige Bank in his hands, but also assets in several industries, and he can still get [-] to [-] million.But for him to make such a decision, he must have his own benefits.If he was to share it with others, or even make a wedding dress for others for nothing, then he would rather end this matter at the beginning. .

With this in mind, Zhang Mingtian had a solution.

The one billion yuan can be divided into two parts and lent to Ye Jingcheng, one of which is [-] million yuan, so that Ye Jingcheng can use other industries except the film company, plus four tons of gold reserves to apply for a loan from the bank.

As for the remaining part, Ye Jingcheng borrowed [-] million from him personally with the ownership of the film company as collateral.This method can be said to be the best of both worlds. It not only helps Ye Jingcheng complete the loan within one month, but also gives him the opportunity to control an industry.

Right now, I still want to find a way to dismiss Cao Yao, or give Ye Jingcheng a hint, and wait for the two of them to discuss this matter in private.

In the end, Ye Jingcheng was hinted by Zhang Mingtian's eyes, even though he didn't know what the other party was going to do, he still chose to leave first because of consideration.

Seeing that Ye Jingcheng was planning to leave, Cao Yaoyan intended to keep Ye Jingcheng down to continue the discussion out of fear that the business would be 'cut off' by other banks.

It's a pity that at this time, Zhang Mingtian stepped forward to make a rescue, signaling to Cao Yao that this matter needs to be discussed again.

In desperation, Cao Yao could only nod his head to express his understanding, and then let Ye Jingcheng leave.Little did he know that after Ye Jingcheng left, he received a call from Zhang Mingtian, inviting Ye Jingcheng to the Peninsula Hotel tonight.

"Young Master Ye, please sit down." There was no one else in the room, only Zhang Mingtian attended the banquet alone.

Although he had vaguely guessed about this matter, Ye Jingcheng pretended not to know and asked, "I don't know if you asked me out, Mr. Zhang, are you planning to...?"

"It's actually like this, Young Master Ye, don't you plan to raise one billion yuan as soon as possible? I'll help you think of a compromise..."

Zhang Mingtian told Ye Jingcheng what he wanted in detail, and there were many ideas that he perfected in the middle.

Of course, his intention to covet Green Lantern Entertainment was concealed. On the surface, he was willing to help Ye Jingcheng, but he thought that he was a good friend, and the right was an investment in interpersonal relationships.

Ye Jingcheng was not a fool either, he let out a chuckle inwardly.If you really believe Zhang Mingtian's words, he doesn't know what happened even if he was sold out.But Zhang Mingtian's suggestion is feasible. At least let him confirm the liquidity of the overseas trust bank, which is more detailed than the information he found after investigation.

Even through insinuations, I learned that the board of directors represented by Zhang Mingtian has already approached the Dominican Finance Company. The business discussed is the company’s dollar check debt, and a preliminary agreement has been reached, and all transactions will be completed within three months. handover.This debt was the key link that led to the collapse of the bank's capital chain.

At that time, the real estate plunge will come, and whether the overseas trust's own housing mortgage business or the debt of this dollar check, the borrower will be the victim of this plunge.Now with Ye Jingcheng's horizontal hand, this bank is already a sure thing for him.

Before the two went to the Peninsula Hotel, they already had their own plans, and the next thing would naturally become simple.

……

(End of this chapter)