Shenhao started after the college entrance examination

In the living room of Li Xiyan's home, An Liang and Liu Ling were discussing the loan amount. Li Xiyan came out and asked about dinner.

Faced with Liu Ling's answer of fruit salad, toast, and boiled shrimp, Li Xiyan expressed her grievance.

An Liang saw that Li Xiyan was as aggrieved as his little daughter-in-law. He couldn't help but smile,"What do you want to eat?"

Li Xiyan glanced at Liu Ling and sighed,"Forget it, let's eat it tonight. Boil shrimps in plain water, I'll go practice yoga"

"come on!"An Liang cheered for Li Xiyan.

Liu Ling also said encouragingly,"The key to yoga is persistence. If you persist, it will have a very good effect on body shaping."

An Liang looked at Liu Ling from the corner of his eye. She just insists on doing yoga, right?

"Um!"Li Xiyan turned and walked towards the yoga room.

After Li Xiyan left, An Liang and Liu Ling continued the previous topic of loans.

Liu Ling took the initiative and said,"Our Beiyu Branch supports your AXA very much. Even if Ansheng Investment cannot Participating in it, just because AXA is involved, the amount of loans we approve will be considerable. An Liang responded with a smile,"

What if it's three billion?" An

Liang continued to explain,"Our Ansheng is expected to invest 3 billion in the development plan of the sail power production base. The specific budget needs to be measured before we can get a more accurate figure, but the fluctuation will not be too big.""

"If your Beiyu branch can lend us this amount of funds, then we will debit it from your Beiyu branch and calculate it based on a five-year annual interest rate of 4%."Anliang added.

The annual interest rate of 4% is lower than the five-year 4.75% benchmark interest rate stipulated by the National Bank. Naturally, it is a preferential plan given by Beiyu Branch.

"Your AXA's credit is very good, and we both have a good basis for cooperation in the Xicheng development plan."Liu Ling first explained

"However, your AXA has too few heavy assets, and your cash reserves are also very small."Liu Ling added.

AXA has risen too fast. Although the market value is estimated to be more than one billion, in fact, most of AXA's assets are asset-light, and a large part of the market value assessment is the value of the personal network..

Before AXA joined the Xicheng Development Plan, its total assets were only tens of millions. After joining the Xicheng Development Plan, AXA’s market value increased dramatically.

Especially after Ansheng Investment Company began to support AXA Construction, AXA became even more popular. No two.

However, even so, the market value of AXA is the same as the stock price in the stock market. It is just a numbers game.

Without the assurance of safe investment, the actual liquidation of the physical asset value of AXA Construction may only be able to liquidate less than 10 million.

"According to your asset allocation of AXA, if you want to borrow 3 billion in funds, there is no matching collateral at all, even if it is the land use rights of the Sail Power production base as collateral, and plus the future large-scale comprehensive commercial center , I’m afraid it won’t pass our branch’s asset evaluation analysis."Liu Ling explained frankly.

In fact, it is indeed the case!

If you want to borrow from a bank, you must have corresponding collateral and pass the bank's evaluation and review in terms of value.

At least you must use deception like Sail Power. Only through the bank's evaluation and analysis can you get the corresponding loan.

However, AXA has no collateral at all!

The large-scale comprehensive commercial center project is also different from the Xicheng development plan. The Xicheng development plan is a project that is sure to make money without losing money, but it is based on the production of sail power The large-scale comprehensive commercial center at the base has the possibility of losing money.

If the large-scale comprehensive commercial center is built but does not develop, and Ansheng Construction is unable to repay its debts, will the Beiyu Branch take back the large-scale comprehensive commercial center?

Of course not Maybe!

What banks want is profits, and banks are not real estate developers, let alone commercial center operators. Why do they need a large comprehensive commercial center?

Besides, the construction cost of a large comprehensive commercial center is 3 billion, even if it is used as a mortgage , at most it can only obtain a loan of 1.8 billion from Beiyu Branch.

Even if AXA has a very good relationship with Beiyu Branch of Gongshang Bank, it can only obtain a loan of 2.4 billion at most.

So in any case, according to AXA’s situation, As long as Anxin Investment does not participate, it will be impossible to obtain a loan of 3 billion.

Liu Ling took a deep breath and added,"I will try my best."

Under such circumstances, Liu Ling is still willing to fight, which shows that Liu Ling is not just for performance.

However, it is summer now, and Liu Ling's action of taking a deep breath is simply full of temptation.

An Liang couldn't help but take a special look.

Liu Ling happened to catch An Liang's eyes again, and the two of them looked at each other. Liu Ling's face suddenly turned red, while An Liang was very calm. An Liang understood a truth. When encountering embarrassing things, as long as he remains calm, he will always be calm. A calm and non-embarrassed attitude must mean that others are embarrassed.

For example, now, An Liang is looking at Liu Ling calmly, but Liu Ling avoids An Liang's eyes!