Li Danni was overjoyed when she received Xiao Feng's call. As a bank loan officer, the domestic real economy has been getting worse and worse in recent years, and she has been overwhelmed by the annual performance pressure.

The bank she works for is Binhai Commercial Bank, a local commercial bank in Bincheng. It has been operating locally for decades and has a very deep foundation. However, as the economic vitality of Bincheng area has declined in recent years, Binhai Bank's performance has also been declining.

Downhill, recently in order to develop more high-quality customers, her hair has turned a lot gray.

After that class reunion, she learned that her old classmate was actually the owner of the popular Celebrity Chef Manufacturing in Bincheng. She was extremely happy, but the thought of turning Celebrity Chef Manufacturing into her client gave her a headache.

Endless.

The entire banking industry in Bincheng is aware of the operating conditions of Celebrity Chef Manufacturing. Their seven branches are absolute cash cows, with a daily net profit of more than 10,000 yuan. Plus the net profit of the flagship store, the daily net profit

It can reach 100,000 yuan, and in one month there will be a net profit of more than 3 million yuan.

I don’t know how many banks are keeping an eye on such an enterprise. In fact, for banks, this enterprise is not large in scale. It is not an asset-heavy enterprise and it is engaged in catering. It is not a high-end industry. For some large and established enterprises,

As far as banks are concerned, they are not qualified enough to be judged by others.

But the cash flow of this company is really impressive, and its profitability is even more terrifying!

Banking is the industry most closely connected with the real economy. The account managers of each bank have to deal with countless companies every year. To be honest, they know very well the ethics of those companies nowadays.

Many companies seem to be very big, with assets in the billions and tens of thousands of employees. A single transaction is often calculated in units of hundreds of millions. But for such companies, when they are calculated at the end of the year, what the heck?

The profit is only tens of millions, or even millions. If you exclude all kinds of IOUs and accounts receivable that will not be paid back, the company only has a few million in working capital on its books.

Such a company may seem impressive, but compared with an inconspicuous catering company like Celebrity Chef Manufacturing, it is really nothing.

If we list and compare several key data such as return on assets, cash turnover rate, net profit margin, current ratio, quick ratio, etc., these seemingly prosperous companies will be beaten down by celebrity chefs every minute.

!!!

If a famous chef manufactures just a few fast food restaurants, the annual profit can exceed 36 million. This is a net profit! What if we launch a nationwide investment promotion in the future? Then a net profit of over 100 million in a year is appropriate!

If you look at those so-called high-end Internet companies, such as XX and XX Group, their valuations are worth millions of dollars, but are they profitable? They are still burning money!

People in banks are not stupid. Instead of dealing with those superficial companies, they are more willing to deal with cash cows created by celebrity chefs. After all, the benefits that such companies can bring are real.

So when Li Danni learned that Xiao Feng wanted a loan this time, she immediately contacted the president of her bank. The president named Feng immediately decided to meet Xiao Feng in person that evening.

Originally, Xiao Feng planned to treat them to dinner, but unexpectedly, President Feng of Binhai Commercial Bank insisted that they treat them to dinner, and the place for dinner was decided to be the top high-end hotel in Bincheng, Shanghai Washington!

Located on Longtoushan Mountain, Seaside Washington was originally a high-end private club. In recent years, the country has severely cracked down on food and drink practices. As this private club could not continue to operate, it was taken over by Binhai Bank and became its asset, specializing in entertaining high-end bank customers.

When Xiao Feng arrived at Shanghai Washington Hotel, he couldn't help but be surprised. This hotel was located on Longtou Mountain in the southern suburbs of Bincheng. The location was very secret, with the mountains behind and the sea facing it, and the environment was first-class.

If it weren't for the treat this time, he wouldn't even know there was such a high-end restaurant in Bincheng.

As soon as he parked the car, he saw Li Danni, who had been waiting in the parking lot. Li Danni was already married, a plump and handsome young woman. It was not like Xiao Feng had never hit someone before when he was in school.

idea.

But later I learned that his family had been working in the banking system in Bincheng for several generations, and his family background was very good, so he backed down. After all, he still knew very well how much he weighed.

Later, they each went to different universities. After graduating from university, he went to work as a drifter in Beijing, while Li Dani directly followed the arrangements of her family and entered a local commercial bank. It was smooth sailing all the way.

The two briefly exchanged greetings, and Li Danni ushered him into the private room that had been booked long ago. In a large room of more than 40 square meters, President Feng was already waiting there with his secretary. President Feng is a middle-aged man with a Mediterranean hairstyle.

He smiled before saying anything and was very polite to Xiao Feng. Although he looked a bit unphotogenic, his attitude made Xiao Feng very comfortable.

According to the rules, the businessmen chatted with each other for a while, and then everyone took their seats. Mr. Feng waved his hand and started to serve the dishes.

All kinds of delicacies from the mountains and seas were served like water, and then everyone drank and chatted. Mr. Feng and the others were not in a hurry to speak. They just kept making friends with Xiao Feng, talking about what was new in Bincheng, or some

The atmosphere of the banquet was also relaxed due to the current affairs news and the occasional banter between the secretary and Li Danni.

Xiao Feng also knew that these people must be waiting for him to speak, so he simply didn't beat around the bush and explained his loan needs to President Feng.

Manager Feng was really very cheerful and waved his hand: "Tomorrow let Xiao Li and others come to your company to have a look and do a due diligence on the company. Mr. Xiao, you don't need to worry about the feasible plan. Let Xiao Li and others write it all. The fastest

I can approve the payment to you in one week, or at the latest two weeks. I will give you a flat recommendation on the interest rate, what do you think?"

Xiao Feng raised his eyebrows. This Governor Feng is really grand. It seems that he really values ​​what he and the famous chef made.

Due diligence from the bank to the enterprise is a necessary process, and there is also a project feasibility report, which is usually provided by the enterprise, but they actually prepare it themselves, and depending on the meaning, they just go through the process, which saves them a lot.

trouble.

The most important thing is that the interest rate is flat based on the national benchmark. This is enough to show their sincerity. You must know that Binhai Commercial Bank is not one of the five major state-owned banks. As a commercial bank, their lending interest rate is generally 3% higher than the national benchmark interest rate.
Chapter completed!