Wild Dragon

The business that Prince Raul of Spain wants to do is a very traditional and important financial industry.He hopes to establish a bank in the Golden Triangle, a bank that does business properly.Because the development scale of the Golden Triangle is huge and the commercial value will be greater in the future, the financial industry is an indispensable and important part.

"Mayor Yi Jun, our Spanish royal family owns the control of Santander Bank and has relatively strong financial resources. It is one of the top [-] companies in the world." Prince Raul said with a smile, "More importantly, Santander Bank It has a very high credit rating, and its reputation and reputation are excellent. The construction of the Golden Triangle needs the financial industry, so I hope that Mr. Mayor can cooperate with us so that we can open a branch here.”

Santander, this is indeed a world-class large bank.As Prince Raul said, this bank is also doing well and has a good reputation.

What makes Yi Jun even more satisfied is that Spain is a very neutral country.They are not very close to the Western world such as the United States, and the international background is not that complicated.

"I am very welcome, and I am very glad that the Golden Triangle is favored by His Royal Highness. Santander Bank is famous, and the construction of the Golden Triangle does require a lot of capital injection, especially in the middle and later stages." Yi Jun laughed, he wanted to know Prince Raul's psychological expectations.It’s too early to make money, and only stupid buddies like Saudi princes do it. Prince Raul is obviously smarter. [

Prince Raul raised his glass again with a smile, touched Yi Jun, and said: "However, for large international banks, the threshold for opening a branch is not high. Therefore, I am afraid that the Golden Triangle will lower the entry threshold in the future. Once the competition is fierce at that time, Santander's income method is guaranteed."

Banks are also corporate companies, and they also do business, but what they buy is money and what they sell is money. They also want to pursue high profits.

Yi Jun laughed and said: "Then, if Prince Raul can grant ultra-low-interest loans to all enterprises in the Golden Triangle, the Golden Triangle City must also give Santander Bank the absolute right to speak. Moreover, Santander Bank can be given some exclusive rights — a franchise that no other bank has.”

Franchise!This is a great benefit, and any businessman understands it.Because franchise means monopoly, and monopoly means huge profits.

But the "ultra-low interest loan" mentioned by Yi Jun is a certain contribution that Santander Bank needs to make for the Golden Triangle.The construction of the Golden Triangle needs money, a lot of money.At that time, a financial gap will be formed, and a gap will be a huge number.And with such an image of eager to use money to borrow money, all banks may take the opportunity to take a serious bite.

What Yi Jun requires is that the annual interest on the loan within three years should not exceed 22, and within five years it should not exceed 32.Moreover, we cannot shrink and stop lending, and the annual loan amount should reach a basic amount.

Ciao, the interest rate is too low, it is difficult for the bank to make money.Because such income alone may only maintain normal operation.Although it was only five years of tension, the price was not small.

With such a price, it is natural to need corresponding compensation. Prince Raul knew that Yi Jun was not an iron cock, and he had already inquired about Yi Jun's character and his previous business style.

Therefore, Prince Raul was not in a hurry, and asked himself the most relevant topic with a smile: "Then what does the 'franchise' mentioned by Mr. Mayor refer to?"

"Bonds!" Yi Jun laughed, "The official bonds of the Golden Triangle Construction are similar to national bonds. The issuance of these claims is completely entrusted to Santander Bank. Although this kind of claim is similar to the income of bank loans, Santander Bank does not need it." Take the risk. Because this is the official Golden Triangle, and Santander Bank just sits there and collects the issuance fee. And I can promise that all the issuance of construction bonds within 20 years will be entrusted to Santander Bank—no, 30 years .”

Issuing bonds is equivalent to printing a piece of paper and giving it to ordinary depositors, but the depositors gave the money to the Golden Triangle City, which is equivalent to borrowing money for the Golden Triangle.

good!After a rough calculation, Prince Raul knew that it was a good deal.Instead of issuing bonds by the government, it helps the Golden Triangle government to raise more construction funds, and the bank draws benefits from it.

There will be no bad debts in such bonds, because the real debtor is the Golden Triangle City Government, so there is basically no risk.Moreover, the issuance of such bonds is very large, and the fees collected alone are enough to make up for the losses caused by low-interest loans.

What's more, it's a 30-year franchise.After 30 years of franchising, Santander Bank will inevitably become the leader of the Golden Triangle, and will also become one of the local banks with the most official background due to the deepening of cooperation with the government.

As for the bond issuance to a large bank with good reputation, it was Yi Jun's last resort.If you issue bonds as a city government, how much credibility can you have?After all, many ordinary people don't know much about trust.However, depositors purchase through the bank and finally exchange through the bank, which is equivalent to letting the bank act as a guarantor, which is naturally more credible.

In addition, your Golden Triangle municipal government does not have business offices all over the world. Even if ordinary depositors want to buy your bonds, they have to rush to the Golden Triangle to buy them?For example, people in Spain or other parts of Europe, even if they want to buy your bonds, get a few percent of your interest income, but if they go to the Golden Triangle, the travel expenses alone will lose the interest.

Therefore, this kind of bond issuance is only convenient with the help of these large banks with business outlets everywhere.A large number of depositors only need to buy bonds at the bank at their doorstep, and then go to the bank to exchange the principal and interest after maturity, which is convenient.

Not only convenient, but also rest assured.They don't see the Golden Triangle thousands of miles away, but the bank that can reach their doorstep is still there, so they feel at ease.

In short, this is a mutually beneficial and win-win model, as long as the two sides can negotiate. [

Prince Raul figured it out, and it seemed that this could be done.Therefore, a framework agreement has basically been reached, and it is only waiting to send someone to discuss the specific details in detail.

As for Yi Jun, he was naturally happier in his heart.Today, the initial funds for the construction of the Golden Triangle are sufficient, and we are afraid that there will be faults in the funds in the mid-term.However, Santander Bank's ultra-low-interest loans have solved at least a quarter of the funding gap.Moreover, this kind of loan interest is very low, which is extremely beneficial to the development of various investments, and also reduces the burden on the Golden Triangle.

The issuance of a large number of bonds can also solve at least a quarter of the funding gap in the middle and late stages.At that time, more than half of the funding shortage will be resolved, and the wealthy Saudi royal family will be able to contribute money. I am afraid that the construction of the Golden Triangle will not be short of money from the beginning to the end!Even if the 01:30 point is missing, with Yi Jun's ability, can't they get it all together?

So, now even this last little worry is taken care of.

Yi Jun suddenly felt that doing business with these great nobles seemed to be easier.Moreover, we have laid the foundation for cooperation with these royal families, and things will go smoothly in the future.Many friends, many roads, many friends like kings and princes... There must be an extra road to reach the sky.

However, all of the above are business cooperation.When the princess of the British royal family came over and proposed a cooperation from the underground world, Yi Jun couldn't help but be moved.This cooperation is more attractive than money.