I Am a Big Winner in Life

h2078 eye to eye! [1/3]

In the living room of Li Xiyan’s house, An Liang and Liu Ling were discussing the loan amount, and Li Xiyan came out to ask about dinner.

In the face of Liu Ling’s answer to fruit salad and toast, as well as boiled shrimp, Li Xiyan expressed her grievance.

An Liang watched Li Xiyan aggrieved like a little daughter-in-law, he couldn’t help but smile, “What do you want to eat?”

Li Xiyan glanced at Liu Ling and said with a sigh, “Forget it, I eat boiled shrimp in white water at night, and then I go to practice yoga.

“Come on!” An Liang cheered on Li Xiyan.

Liu Ling also said encouragingly, “Yoga is about perseverance, if you persevere, it will have a very good effect on body sculpting.

An Liang looked at Liu Ling out of the corner of the eye, she just insisted on practicing yoga, right?

“Yeah!” Li Xiyan turned and walked towards the yoga room.

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

Liu Ling took the initiative to say, “Our Beiyu branch is very supportive to you AXA, even if Anxin Investment does not participate in it, only AXA participates, the amount of payment we approve will be considerable.

An Liang responded with a smile, “What if it was three billion?”

An Liang continued, “We, AXA, are 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 supply us with this amount of money, then we will pay it from your Beiyu branch and calculate it at a five-year annual interest rate of 4%, ~.” An Liang added.

The four-year interest rate is lower than the five-year 4.75% benchmark interest rate stipulated by the National Bank, which is naturally a preferential plan given by Beiyu Branch.

“Your AXA credit is very good, and our two sides have a good foundation for cooperation in the development plan of Xicheng.” Liu Ling explained first.

However, “You AXA have too few heavy assets, and your cash reserves are also very small.” Liu Ling added.

The rise of AXA is too fast. Although the market value assessment exceeds one billion, in fact, most of AXA’s assets are light assets, and a very large part of the market value assessment is the value of the network of connections.

Before AXA joined the Xicheng development plan, its total assets were less than 10 million. After joining the Xicheng development plan, AXA’s market value assessment increased sharply.

Especially after Anxin Investment Company began to support AXA Construction, AXA was even more in the limelight.

However, even so, AXA’s market value, like the stock price in the stock market, is just a numbers game.

If there is no bottom line for investing with peace of mind, the real asset value of AXA Construction will be liquidated, and it may only be less than 10 million yuan.

“According to your AXA asset allocation, if you want to borrow 3 billion funds, there is no matching collateral at all, even if the land use right of the Fengfan Power Production Base is used as collateral, and the future large-scale integrated commercial The center, I am afraid it will not pass the asset evaluation analysis of our branch.” Liu Ling explained frankly.

In fact it does!

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

At least, like Fengfan Power, use deceptive means to pass the bank’s evaluation and analysis in order to get the corresponding loan.

However, AXA has no collateral at all!

The large-scale integrated commercial center project is also different from the West City development plan.

The development plan of Xicheng is a project with no loss, but the large-scale integrated commercial center based on the sail power production base has the possibility of loss.

If the large integrated commercial center has not been developed after it is completed, and AXA Construction is unable to repay its debts, will Beiyu Branch take back the large integrated commercial center?

Of course that’s impossible!

What a bank wants is profit, and a bank is not a real estate developer, let alone an operator of a commercial center. What does a large-scale integrated commercial center do?

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

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

So in any case, according to the situation of AXA, as long as Anxin Investment does not participate in it, it is impossible to obtain a loan of 3 billion.

Liu Ling took a deep breath and added, “Friend (promise money) I will try my best.

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

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

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

Liu Ling happened to see An Liang’s eyes again, and the two looked at each other, Liu Ling’s face immediately flushed, but An Liang was very calm.

An Liang understands a truth. When encountering embarrassing things, as long as he remains calm and has a calm and not embarrassed attitude, it must be embarrassing for others.

For example, now, An Liang looks at Liu Ling calmly, but instead makes Liu Ling avoid An Liang’s eyes!