My rebirth is different

Chapter 140 It's Time to Show Your True Strength

"Mr. Yu Wenfei, I'm sorry..."

Manager Luo apologized, and gave a general overview of the assessment report of the bank's risk control department.

While talking, he carefully observed the young man in front of him, but he didn't see any disappointment on Yu Wenfei's face.

Yu Wenfei had already expected that the risk control would be difficult.

Now it's just the boots falling, not the worst.

He smiled and asked: "The risk control department believes that the biggest risk is that my income will not meet my expected income within a year. To go deeper, once I cut off the supply, I will be like many people in Xiangjiang. It becomes a negative asset, and even if the shop mortgaged by the bank is auctioned, it can't be worth the debt I owe, right?"

Now that the words are out of the way, Manager Luo didn't hide anything, and nodded frankly, "Yes, that's the way our bank's risk control department thinks, so there is no way to continue this business."

Yu Wenfei was not in a hurry, but stared at Manager Luo, and asked, "If, I mean, if, I can prove that I have the ability to withdraw [-] million in cash within a year, can this loan still be made?"

Manager Luo raised his eyebrows, this matter is interesting.

After seeing this boy, he still doesn't admit defeat. Could it be that he is really confident that he can make a fortune of 8000 million a year?

If this is the case, it really needs to re-evaluate the loan business, because the customer has proved his ability to repay the loan!
After thinking silently, Manager Luo still shook his head, "Sorry..."

Yu Wenfei stretched out his hand and interrupted him, "Is it still too risky?"

Manager Luo nodded.

Even if Yu Wenfei can take out [-] million in cash within a year, Hang Seng Bank will still provide [-] million in loans!
In case, although the probability is extremely low, the bank's risk control is like this, even if the probability is one in ten thousand, it must be considered.

In case Yuwenfei cuts off the supply after one year, and at the same time, the situation of Xiangjiang's real estate industry is still deteriorating, and the holidays continue to decline, then there is still a risk of insolvency.

That's not too much of a problem, because no one is going to joke about [-] million cash.

Manager Luo thought of another possibility, and that was the crux of the problem.

It is just Yu Wenfei's verbal promise to give out [-] million cash within a year, what if he can't give it out?
Thinking about it even worse, what if this is Yu Wenfei and the owner of the store joining hands to defraud the loan?
Although the shop is now asking for one billion yuan, it seems to be worth that much money.

But there is a price but no market!
In this case, it is also possible for the owner to find an "actor" and join hands to defraud the bank of a loan.

Because Yu Wenfei only has more than 2000 million yuan in his hands now, if this business is to be concluded, the bank will not only provide a loan of 7000 million yuan, but even the gap of more than [-] million yuan will be made up for him.

Calculated, it is more than 7000 million yuan to spend!

When the money is in hand, the boy disappears, and the owner gets the huge sum of money legally and reasonably. Even if the bank sues according to the law, the result is that the store will be taken back, so they have to sell it themselves, and it may not be possible to sell it.

The lending has become the owner, which is something that every bank does not want to see.

Looking at it this way, the risk control department will still not agree to this business.

In a bank, when large sums of money are involved, the opinion of the risk control department is very important and powerful.

Even if he, the senior manager of the credit department, has the right to speak, as long as the risk control department disagrees, it will be a one-vote veto, and it is useless for anyone to speak.

"If you can come up with [-] million cash at one time, then I am quite sure that this business will be done. Unfortunately, obviously you can't get it out. No matter how confident you are, the risk control department doesn't care about your confidence." , they only believe in the facts in front of them!"

Manager Luo emphasized.

Yu Wenfei's heart was sinking, and the worst situation he expected appeared.

The banks here really don't see the rabbits and don't scatter the eagles!
Did he admit defeat just like that?
No, Yu Wenfei was unwilling, the more difficult the matter was, the more stubborn and arrogant he was aroused.

Don't you look down on me and worry that I can't afford that much money?
Then I want to get this loan and buy this shop.

Not to prove to others, just because what you want, you must get!

In the more than ten years in the dream, he won and lost, but he never admitted defeat.

Without this momentum, he could not have achieved that achievement.

Now, this difficult transaction has completely aroused Yu Wenfei's unwillingness to admit defeat.

It's time to show your true strength!
…………

Facing this desperate situation, even though it is winter and the indoor temperature is not high, fine beads of sweat have already appeared on Yu Wenfei's back, and his close-fitting shirt is already soaked.

Yu Wenfei's mind was spinning at high speed, but his expression was calm and he was still calm.

He said slowly: "Then the key to the problem now is how to solve the problem of the [-] million down payment?"

Manager Luo nodded.

"If I can make you fully believe that within this year, I will definitely be able to spend [-] million?"

Yu Wenfei asked again.

This is the key to solving the problem. The bank does not believe, or is not 100% sure, that Yu Wenfei has the ability to settle the [-] million down payment within a limited time.

As long as this link is opened up and the bank's risk control department believes in his ability to pay, then the business can continue to be negotiated.

Although he didn't know where his confidence came from, Manager Luo replied affirmatively, "As long as you can convince the risk control department that you have the ability to pay [-] million in cash within one year, then the loan will be fine. Already!"

"Snapped!"

Yu Wenfei clapped his hands together and stood up, "This afternoon, it's still here. I'll invite the owner of the shop over, and we'll talk together."

Manager Luo was at a loss. He didn't know why he called the shop owner here at this time. The bank hadn't agreed to lend yet.

Before going out, Yu Wenfei held the doorknob, turned his head and smiled and said, "I will come up with a plan that satisfies both of you in the afternoon, and then finalize this matter!"

…………

Leaving behind the confused Manager Luo in the VIP room, Yu Wenfei took Zhou Mengyi straight back to the hotel.

Zhou Mengyi didn't know what Yu Wenfei was going to do in order to turn around the current predicament. In her opinion, with only so little money in hand, it was impossible for the bank to lend so much.

That's more than nine billion!

However, Zhou Mengyi didn't ask, she just watched and listened silently, and studied hard.

She knew that most people would never have access to this kind of big business negotiation scene worth hundreds of millions. It was really rare for her to have this learning opportunity.

Up to now, she still doesn't know why Yu Wenfei insists on going his own way, no matter how difficult it is, he must take down this shop.

Yu Wenfei didn't tell her the reason, and Zhou Mengyi didn't ask either.

Because she believed in Yu Wenfei, and believed that he must have her own reasons.

Since we met, what Yu Wenfei has done has proved that he is not that kind of irrational person.

Since he did so, there must be a reason for him!

It's just that I haven't figured it out yet.

……

　Thanks for the rewards of "I don't want to look back", "I've been waiting for the rabbit", "afrashui" and "Qingpian Tianyou"!

　　Regarding this plot, many people have recently raised doubts.All the answers will be revealed in the text tomorrow, and after reading it, you will understand why some people become big shots with the same starting point and the same conditions, while some people are still mediocre.Do you want to know the secret behind the boss's success? Let's take a look tomorrow...

　　
　
(End of this chapter)