Inherit For Three Thousand Years

According to the survey, the opening bank of the Taisho Group is the Universe Bank, and the Taisho Group also has the most loans in the Universe Bank.

As the saying goes, as long as you break the loan from the Universe Bank, the thing will be half done.

Xiao Yao asked Zhu Xifan to call Lu Zixuan of the Universe Travel and made an appointment to meet in the cafe on the morning of the second day.

Lu Zixuan arrived a few minutes earlier. When Xiao Yao arrived, Lu Zixuan was already waiting at the door.

Seeing Xiao Yao getting off the car, Lu Zixuan took the initiative to greet him and greeted respectfully: "Hello Dong Xiao, this is Lu Zixuan. I have long since hoped that you can come to our branch to check the work and see you in Jinling. You, it is my honor."

Lu Zixuan is the president of the Universe Branch. Although he saw Xiao Yao for the first time today, he still knew a little about Xiao Yao.

As a financial tycoon, Xiao Yao’s other industries and other identities have nothing to do with him, but Xiao Yao is also one of the directors of Universe, and he is also a director with 7% of the shares. This status makes him have to pay attention to it. .

Xiao Yao has never been to the board of directors of the Universe, and other people voted on his behalf. Even for people at Lu Zixuan's level, his identity seems very mysterious.

According to public information, these 7% of the shares are in the name of Swire Investments. Originally, Lu Zixuan did not know that the chairman of Swire Investments was Xiao Yao.

But when Zhu Xifan called him for an appointment yesterday, he specifically named Xiao Yao, the chairman of Swire Investments, as well as the director of their universe.

When he heard the news for the first time yesterday, he was a little worried.

As the director of the Universe, although Xiao Yao could not decide his stay or leave in a word, there is no doubt that he has a great right to speak.

If Xiao Yao had any opinion on him, once it was put forward on the board of directors, even if he could not be removed immediately, at least it would be enough for him to drink a pot.

This rather mysterious director suddenly made an appointment with him, and he was still in the cafe. He didn't go for an inspection. This made him a little confused for a while, and he didn't know what Xiao Yao meant for meeting him.

After a brief greeting, the two walked into the cafe.

Xiao Yao had already asked Zhu Xifan to book a box in the coffee shop in advance. After the two sat down in the box and ordered their coffee, Xiao Yao directly asked: "I want to know how much the Dazheng Group has loaned in the universe. When do they expire?"

Dazheng Group has always been one of the important customers of Dazheng Group. The two parties have cooperated for many years and the relationship has been maintained well. Lu Zixuan didn’t know Xiao Yao’s intentions, so he could only answer truthfully: There are 64.5 billion yuan, of which 3 billion yuan will be due before the end of this month, 5 billion yuan will be due within two months, and about 10 billion yuan will be due within half a year. The longest other loans are It will expire within two years. For each transaction, I need to check the information after I go back to report it to you."

"Apart from Universe Bank, which banks the Taisho Group has loans, do you know?" Xiao Yao continued to ask.

"As far as I know, Dazheng Group has about 20 billion yuan in loans from Huahui Bank and about 15 billion yuan in loans under construction. Dazheng Group has been committed to foreign development in the past two years and has invested heavily in mining. The bank also has some loans, but I don’t know the exact amount."

The Taisho Group is a private enterprise with the highest market value in the province, and it is also one of the most important customers in the Universe Province. Lu Zixuan has a clear understanding of all aspects of the Taisho Group.

"In this way, the debt ratio of Taisho Group is about 50%, and the financial situation is fairly healthy."

"Yes, the development of the Taisho Group has been steadily improving in the past few years, especially after the Taisho Group entered overseas two years ago, it now has the initial strength of a multinational company."

Xiao Yao never revealed his intentions, and Lu Zixuan could only follow his tone. But before he knew Xiao Yao's true intentions, he had always been more cautious in his words, only arguing about facts, and he deliberately avoided those words with obvious tendencies.

Excluding the overseas portion, the market value of Taizheng Group's domestic assets is about 200 billion yuan. If Lu Zixuan's loan amount is accurate, the 100 billion yuan loan amount is exactly half of the market value.

Moreover, the loans of the Volkswagen Group are mainly concentrated in the Universe Bank and Huahui Bank, which are precisely the two major banks that Xiao Yao can influence, which greatly facilitates Xiao Yao's subsequent operations.

After understanding these basic conditions, Xiao Yao continued: "It seems that you are still more concerned about the development of the Taisho Group, but what you see is only the appearance of the Taisho Group. You may not know that the Taisho Group has encountered Great trouble, the bankruptcy crisis is imminent, the longest time will not exceed half a year. If the Taisho Group does not respond properly, it may declare bankruptcy within two or three months."

Lu Zixuan was surprised at what Xiao Yao said.

As Xiao Yao's identity, he would certainly not be slanderous and say something unfounded. Since Xiao Yao is so sure that the Dazheng Group will soon go bankrupt, it means that the Dazheng Group must have encountered a huge business crisis.

What do banks fear most? Of course, the most feared thing is that the loan that was released will not be collected.

If the Dazheng Group has maintained a stable operation, Lu Zixuan even hopes that the Dazheng Group will increase its loan line. But if the Taizheng Group's operations are in crisis, the first thing Lu Zixuan will do is to find a way to recover the loan as soon as possible.

If the loan of more than 60 billion yuan can't be collected, even if part of it cannot be collected, he won't even think about becoming the president of the bank.

Lu Zixuan asked solemnly, "Xiao Dong, I don't know if you have any internal information, can you tell me in detail?"

"Let me first tell you the news that Hong Kong Island & Honghui Bank has added the Taisho Group to the blacklist of cooperation and is looking for ways to step up collection of Taisho Group's 1.3 billion loans from Honghui Bank.

The Taisho Group was included in the cooperation blacklist by Fenghui Bank. It seems that the problem is not generally serious. Lu Zixuan said: "Could it be that what happened to the overseas development of Taisho Group?"

It is normal for him to have such thoughts. With the background of Honghui Bank, it is certainly easier to get some international insider information than their Universe Bank.

The Taisho Group's domestic operations have always been stable, and there will never be a sudden bankruptcy crisis. He is very sure about this. If there is a risk, then it must be from Taisho Group's overseas investment.

Xiao Yao nodded, "You guessed it, it is indeed a problem with the mining company invested by Taizheng Group overseas, and it is a very serious problem."