My movie scares global audiences to tears

Chapter 86 Loans
Lu Yuxiang is the vice president of the Chaolu District Branch of the Industrial and Commercial Bank of China, and he is also an acquaintance of Song Qi.

Miracle's corporate account was opened with him, and all the funds in the business account were also stored in this bank.

As a sub-regional bank in the capital of the Great Xia Kingdom, the Chaolu Sub-branch is considered one of the top big banks in the national bank rankings, with over ten thousand major customer accounts in the bank.

Although Miracle has only been open for less than a year, it has already become the highest-level seven-star customer in the branch.

In the eyes of ordinary people, the status of banks may be relatively high, but in fact, in the eyes of bankers, the rich are the masters.

During the holidays, the bank's business managers have to visit their major customers to ensure that the savings funds of the major customers in the bank will not fluctuate too much.

Years ago, Lu Yuxiang brought the business manager to visit Song Qi once, and even gave Song Qi a tea.

Because the end of the year is approaching, the bank has to carry out an inventory check, and the business manager has to deal with assessment tasks.

In order for the annual report data to look good, the business manager's commission will not be affected. Under normal circumstances, banks will try their best to ensure that customers' funds will not be transferred too much before the end of the year.

That time, Song Qi gave Lu Yuxiang some face, and specially delayed the payment for a few days, and also kept the commission of the account manager who dealt with him.

However, in the face of movie promotion after the year, he spent a large amount of money on promotion, and immediately reduced the cash balance on the account to less than [-] million.

But now that the movie is released, the box office share will start to be settled one after another, so Lu Yuxiang came to visit Song Qi again, the purpose of which was naturally to get deposits and let Song Qi try to deposit the money in the branch.

The total box office of "Jurassic Park" is more than 80 billion, but after excluding the share of theaters and the share of Mossad, Miracle can get a total of more than 30 billion.

That's a lot of money!

You must know that in some county-level cities, 5000 million deposits are enough to support a small bank.

And some large companies with a scale of hundreds of billions may not have a profit of three billion a year!

The cash flow of 30 billion is a piece of fat even for a big bank like the Chaolu branch, so just after the Spring Festival stall, Lu Yuxiang brought the business manager to Miracle Culture to visit Song Qi.

Lu Yuxiang is a middle-aged man in his early 40s, but in the banking system, being able to serve as the vice president of the capital branch at this age is considered young and promising.

He has a good way of speaking and doing things. Among the flower baskets received at the opening of Miracle Culture, he gave a copy in the name of the branch.

After meeting, he exchanged pleasantries with Song Qi.

Although he was much older than Song Qi, but in front of Song Qi, he always behaved in a proper manner, and when joking, the scale was also very moderate. It was very easy to chat with him.

After chatting for a few words, Lu Yuxiang began to try to bring the topic to the point: "Mr. Song,
At the beginning of this year, the front-line employees in the bank underwent a large-scale rotation. Although we have taken some management measures, we don't know the changes in personnel. Are you suitable? "

"Very good. Manager Wang is very professional."

Song Qi smiled and nodded at the accompanying Manager Wang. The account manager who dealt with him this year has been replaced by this Manager Wang. He was the one who followed Lu Yuxiang to visit Song Qi last time.

"I can rest assured that."

Lu Yuxiang nodded with a smile, looked at the young manager wearing silver-rimmed glasses, and introduced to Song Qi: "This is the new financial manager in our bank, and his name is Ma Guangyuan. Mr. Song, your movie box office is a big hit this time. For financial management ideas, you can consult Manager Ma at any time."

The manager Ma came forward and politely handed Song Qi a business card. After Song Qi took it, he looked at it casually and put it aside.

Looking at Lu Yuxiang, Song Qi smiled and said, "I don't have that idea about managing money for now, but I would like to know about your bank's loan policy."

"loan?"

Lu Yuxiang was taken aback for a moment, and couldn't help but be overjoyed.

Banks rely on loans and financial management to make money. He originally wanted to fool Song Qi into using some money for financial management, but he didn't expect that there would be unexpected gains.

But after thinking for a while, he couldn't help but asked in doubt: "President Song, are you planning to invest or expand your business?"

He has already calculated that for Song Qi's movie, the box office share will be at least [-] to [-] million. With such ample cash flow, he still needs a loan. So Song Qi is either planning to invest in a big project, or he is going to expand. business again.

"Sure enough, I can't hide from President Lu's discerning eyes!"

Song Qi laughed and nodded, and said sternly: "I'm going to buy some theater chain shares, and then build some theaters myself, and Miracle's own theater chain will cost a lot of money, so I want to ask Lu Xing Is there anything I can do?"

Lu Yuxiang was a little moved when he heard this.

He thought for a while and asked, "Then, are you planning to repay the loan from Mossad Bank in Afei State first, or repay it later?"

The loan from Mossad to Song Qi was debited from Miracle's corporate account, so Lu Yuxiang naturally knew about it.

"It will be all right."

Song Qi gave an ambiguous answer: "I'm not in a hurry to repay the money over there, and if I need the money urgently, I can borrow some more, but it's too troublesome to use foreign exchange for transnational funds, so I just want to ask you coming."

Lu Yuxiang adjusted his sitting posture, rubbed his knees, and said with a smile: "Since investing in China, it is of course the most convenient to get a loan from a domestic bank. I can assure you on behalf of ICBC Chaolu Branch that we will definitely provide you with the most Great service."

"President Lu, don't rush to make sure, I just ask first."

Song Qi knew that he was afraid that he would turn around and go to Mossad for a loan, which was why Song Qi said that on purpose.

After giving him a cigarette, Song Qicai smiled and asked, "If I ask your branch for a loan, how much can you loan me?"

This matter is very cautious and cannot be answered casually. Lu Yuxiang took a puff of cigarette before seriously asking: "What is the collateral?"

"Company shares." Song Qi replied indifferently.

Lu Yuxiang nodded, no surprise.

Miracle has no fixed assets, and only shares can be mortgaged.

However, the shares of Miracle Culture are still worth some money. Whether it is the previous "Snake God Apep" or this time "Jurassic Park", it has been proved by the results that Miracle is still very good at making money. of.

But benefits are often accompanied by risks. The biggest risk of Miracle is that its business core is too concentrated, and its industry competitiveness is not stable, because Miracle almost relies solely on Song Qi's creative ability to make money.

He has seen Miracle's account situation. Currently, most of Miracle's profits come from the film's box office share and the continuous income from the online box office.

The only income other than the box office is the money earned from selling peripheral models at the Spring Festival stalls this year.

However, Miracle has great potential in the future, because Miracle has begun to expand its business in the industry, such as the development of peripheral products this time, and the construction of the Miracle Island Dinosaur Park project, which proves that Miracle’s ambitions are by no means limited to the movie market.

When a bank evaluates a customer's qualifications, in addition to the clear indicators of various assets, liabilities, wealth management and investment businesses, the customer's own vision and personal capabilities are also very important implicit indicators.

Banks have to consider risks, and the loaned money must be recovered. If the customer can't make money himself, how can he be expected to repay the loan?

Song Qi is undoubtedly very good at making money, and his vision and pattern are not low. Lu Yuxiang thought about it before he said seriously: "If 20% of Miracle Culture's shares are used as collateral, our branch can at least provide you with no less than [-] million yuan. low-interest loans!"

(End of this chapter)