The reason why Xiao Feng rejected Binhai Bank's request was mainly to consider the issue of risk diversification. Although he has a good relationship with Binhai Bank, Binhai Bank is a small bank after all.

In the future, he will still be of use to other banks, so such a piece of fat must leave some for other banks to share profits, otherwise, if he really wants to beg other banks in the future.

If you go and cram yourself temporarily, no one will have time to care about you.

One billion is enough for other banks to share profits. He discussed this with Katya the next day. As long as other banks and financial institutions are willing to participate and their demands are not too excessive, they can agree.

He even planned to entrust Binhai Bank to help him contact some banks and get a syndicated loan.

A syndicated loan means that multiple banks or financial institutions provide loans to a company at the same time. The reason for this is that these banks and financial institutions are optimistic about the company at the same time.

However, this company's capital needs are relatively large. Although banks are optimistic about this company, they are worried that if they only lend to this company, the risk will be greater for them.

Therefore, in order to reduce risks and not offend customers, I contacted some friendly banks and financial institutions with which I had good relationships, and we all worked together to provide loans to this company.

This can not only meet the needs of enterprises, but also reduce their own risks. At the same time, it can also build good relationships in the industry and expand channels.

Director Yu from Binhai Bank was so generous yesterday, so Xiao Feng simply gave him a favor and asked Binhai Bank to find someone to handle this syndicated loan.

Of course, loans from banks and financial institutions definitely require collateral. After Xiao Feng and Katya discussed it, they decided to directly mortgage the two buildings to these banks and financial institutions.

After all, a building like this is hard currency for them, and it is worth four billion. The bank's mortgage loan is only a 30% discount at most.

If there are other banks and financial institutions that don't want this building as a mortgage, Xiao Feng and Katya will discuss it and take out part of the future operating income rights from the directly-operated store built by their famous chef as a pledge.

This is already the limit of their loan. If anyone is still not satisfied, then ask him to get out. If someone asks them to pledge their equity, there is no need to cooperate with such banks and financial institutions.

Today's celebrity chefs are so strong in manufacturing, and the limit they can accept is limited to this. If anyone is dissatisfied, there is no need to cooperate anymore.

Next, the purchase of the building and the loan will be left to Katya to handle. Xiao Feng plans to take a trip to another world before winter comes.

Previously, he led his men in another world and conquered Calabash Canyon. Although he occupied it, he was always worried that the orcs would come back for revenge.

However, due to the continuous heavy rain in the alien world, many mountain roads were washed away, and the main force of the orcs was still conquering the south of the Toulon Empire, and there was not enough troops to conquer them.

Because of this, he returned to modern times with peace of mind, but in fact, he still felt uneasy and uneasy. After all, they had counterattacked and captured such a large piece of land.

If the orcs would not come to take revenge, he might not dare to believe it, so he planned to go to another world before winter.

But before going to another world this time, he still had to go to Russia to replenish some weapons and ammunition.

Before going to Russia, he went to Xiangjiang and looked for several foreign banks.

Previously, he had registered several shell companies and some bank accounts in the Virgin Islands and Cayman Islands, and many overseas funds were transferred into these bank accounts.

This time he wants to transfer all the money back to the country and use it to buy a building.

There is another reason, that is, he has cooperated with Citigroup and several other large foreign banks before, and he is here this time to improve his credit rating.

After all, these foreign banks have many tentacles in overseas areas and many overseas relationships. It will be much easier with their help.

Therefore, Xiao Feng planned to choose one of these banks as a long-term cooperation partner. Considering that it has a relatively large impression in China, he chose Citigroup. After all, this American bank has been working in China for many years and has a strong reputation in China.

The environment is very familiar.

The way he improved his credit rating with Citigroup was very simple. He directly rented an entire warehouse with a safe at the Citibank branch in Xiangjiang, and then put a batch of diamonds and gold procured from other worlds into it.

The jewelry and diamonds he took out were not many, accounting for less than one-tenth of the gold and silver treasures he collected from other worlds. But even so, the account manager who had been following him was frightened.

In fact, when he was storing these treasures, he could have asked the account manager to leave, but he did not. Instead, he asked him to stay, just to show this guy deliberately, and the effect of this was very obvious. The whole process

The account manager's mouth widened in surprise, looking at him as if he were an alien!

Ma De, where did this rich man come from? No wonder he rented a whole house with a safe! There are too many treasures here!

There were only three diamonds as big as a fist. Although this account manager didn't know much about diamond appreciation, he also knew that diamonds of this size were rare in the world. If you just put one up for auction, it could cost you hundreds of millions.

price.

This kind of treasure is definitely the favorite hard currency of the rich. It is harder than the US dollar or the RMB, and it has the best value preservation, and the room for future appreciation is also very objective.

There are also many colorful and rare treasures, not to mention, the account manager feels like his eyes are blinded.

In addition, there are those regular gold bricks. Although they look like they were cast privately, one kilogram per piece weighs a lot. Regardless of whether they are professionally made, gold is gold.

Whenever he heard Xiao Feng putting gold bricks into the warehouse, the manager would feel his heart pounding as the bricks clanked against each other.

When he came out of the vault, the account manager felt that he was suffocated. Today he finally saw what it means to be a real rich man.

In the morning, Xiao Feng put the hard currency into the bank's vault. In the afternoon, he received a call from Citi. He only had a few hundred thousand dollars in his Citi bank account, but he was promoted to a VIP customer by them.

He even got a sweet-voiced personal customer service specialist named Casey.

Either selling him sales, asking him to apply for a card, or recommending various financial products to him, Xiao Feng declined them all with a smile. He just smiled and said to Cathy that he would contact her if necessary in the future.

This Citibank is not a fuel-saving lamp. The account manager must have reported the fact that he stored a large amount of gold, silver and jewelry in the vault. And how could Citibank not pay attention to a person with such financial resources?

As long as he can attract their attention, Xiao Feng's goal will be achieved. Citibank is a backup he left behind, and he may be able to use it sometime in the future.

Although he has space, those gold and silver treasures are safer if placed in the space. However, the gold and silver treasures in the space cannot provide him with any convenience. But if they are placed in the bank's vault, the effect will be different.

.

As long as those guys in the bank are not fools, they will evaluate those gold and silver treasures. When the time comes, they will estimate their own net worth based on these gold and silver treasures, and then provide themselves with corresponding conveniences.

Sometimes the convenience these guys can provide is indeed not something ordinary people can handle, and this is the main reason why Xiao Feng came to Citigroup to store gold and silver jewelry.

He was delayed in Xiangjiang for a few more days, mainly to transfer the funds that had been transferred overseas back to the mainland. Of course, he did not transfer them directly to the mainland through a domestic bank.

Instead, I first transferred the funds to a small country in the south through several accounts. This small country is a famous underground RMB offshore trading center, and its exchange rate is better than that of regular banks.

After he converted the US dollars into RMB from here, he transferred the money into the country through Citigroup's account. And such a large amount of money passed through Citigroup's account, which naturally allowed Citigroup to realize it more objectively.

own strength.

In the next few days, the girl from Citigroup, Kathy, made very frequent phone calls. In addition to various sales promotions, she also made various insinuations, asking him if he had any plans for having such a large sum of money in his domestic account.

investment plan.

If the funds are not very abundant, Citigroup is also willing to provide him with support.

The bank is the best broker in the world. Xiao Feng wants this effect. He neither discloses nor agrees. Instead, he flirts with the girl named Casey over the phone. He teases the girl every day and lives a good life.

It's quite refreshing.

In fact, like the personal financial specialist provided by Citi, Xiao Feng certainly knows what is going on. It is nothing more than what the bank provides to customers. Anyway, these are the unspoken rules of the financial industry.

How can a bank retain those VIP customers? Then you must really make the customers feel like gods, especially these big bosses whose net worth can easily start at one billion.

If you don't take care of them well, and they find another bank to cooperate with, then the bank will cry to death.

Therefore, in order to meet the needs of customers, these banks are really capable of doing anything. Every year, they recruit a large number of sweet-looking female graduates from major financial schools around the world, provide specialized training, and then become personal financial specialists.

The title allows them to contact customers.

Of course, if something happens between them and the customer, it is between them and has nothing to do with the bank. And those female employees are also very willing to really have something happen with the customer. After all, this is a one-step process.

shortcut.
Chapter completed!