Shenhao Starts After Graduation / Entrepreneurship Starts After Graduation

"Huh?" An Liang was puzzled.

These two...

Plum virus spreader?

An Liang asked, "What happened to them?"

"On Friday, the unit of the wife of one of our vice presidents had a medical examination, and then the lover of the vice president was tested positive for plum blossom virus. This incident spread to the vice president, and then Shi Yanru and Cao Yujiao, Moreover, the manager of the loan audit department, Wang Bo, the manager of our VIP customer department, and even two new interns were also affected." Liu Ling was gossiping.

incredible!

As expected of a strong man with [-] kills and [-] kills!

Shi Yanru and Cao Yujiao are a bit strong, don't they even let off the interns?

But to harm the interns should be to satisfy themselves, right?

"'¨Currently the vice president is suspended, Shi Yanru, Cao Yujiao, Wang Bo, and the manager of the audit department have all been dismissed because of their lifestyle problems." Liu Ling added.

An Liang responded with a smile, "The two of them are not good people when I see them!"

Liu Ling gave An Liang a blank look, and she saw that An Liang was not a good person either!

After finishing the gossip, Liu Ling answered the previous question again, "About your AXA loan interest rate, our bank has discussed it internally, and now we have two plans."

"Tell me?" An Liang asked.

"After a while, I'll send it to you directly on my mobile phone (from Zhao's)." Liu Ling responded, "Be careful driving, there are a lot of people here, especially those who are drunk, pay attention to safety!"

Although the bar street in Shengqing is not as well-developed as in the imperial capital, the atmosphere of the nightlife is very good, the popularity is very high, and it is quite lively.

When the bright yellow Lamborghini Urus entered the bar street, it received frequent attention and courtesy!

Especially some girls with heavy makeup are chasing the bright yellow Lamborghini Urus with their eyes.

Although the Lamborghini Urus has been discredited by keyboard car gods, and Anliang complained about it in various ways, Lamborghini is Lamborghini, and its price is there. In an environment like a bar street, it is a handsome boy! .

Chapter 608

Shengqing, a bar street.

The bright yellow Lamborghini Urus moved slowly along with the traffic. It was already close to eleven o'clock at night, but there was a little traffic jam on the bar street.

Anliang drove the bright yellow Lamborghini Urus to the late-night food court next to the Surprise bar, where there was a neon izakaya called [Night Wine].

The bright yellow Lamborghini Urus had just parked in the open-air parking lot when three young girls with heavy makeup and scantily clad came over.

An Liang would like to ask them, don't they feel cold in deep V-neck outfits and miniskirts in winter?

It really is a beautiful frozen person?

An Liang got out of the car first, and a girl with yellow hair asked directly, "Handsome guy, are you here to play alone?"

An Liang doesn't need to use the interpersonal relationship scanning system to judge that the other party is a makeup monster!

More importantly, yellow hair, big earrings, and cheap and pungent perfume, where did the other party get his confidence?

Have you heard too much of Ms. Liang's "Courage"?

Liu Ling got out of the car after putting on her coat in the passenger seat. After she got out of the car, she calmly glanced at the three girls with heavy makeup. Although she didn't speak, the three girls with heavy makeup all left silently.

If An Liang came here alone, they would have the courage to come up and ask.

Now that Liu Ling got out of the car, they naturally retreated when they realized the gap with Liu Ling.

"This way please." An Liang greeted.

The two walked side by side to the [Night Wine] izakaya. The business of this store was good, and there were still many customers after eleven o'clock in the middle of the night.

However, the privacy of their dining environment is very good, and each dining place is a semi-enclosed cubicle.

An Liang and Liu Ling chose a small booth, and the service staff handed over two menus. An Liang checked and recommended, "The skewers at their house are good. Although the skewer master is not from Nihong, I heard that they go to Nihong Five years of training."

Liu Ling checked the menu, she ordered some chicken skewers, Anliang added some seafood skewers, and ordered a bottle of sake.

How can there be no wine in the skewers?

　　As for driving?

Whether it's a replacement driver, or just leave the car here and take a taxi back, isn't it all right?

After ordering, Liu Ling took out her mobile phone, and she sent a message to An Liang, "Student An, I have sent you two plans, please take a look first, if there is anything you don't understand or disagree, we will continue to discuss. "

An Liang checked the message sent by Liu Ling.

Gongshang Bank provided two plans for the loan interest rate of AXA Construction, and provided a lot of related auxiliary materials.

The first plan, the loan period is six years, the loan interest rate is [-]%, the loan period is fixed, must reach six years, and Ansheng Construction Company does not allow early repayment.

Even if AXA Construction Company repays the loan in advance, the loan interest will still be calculated according to the six-year loan period.

Under normal circumstances, the interest rate for a six-year loan is 4.9%. Now the loan interest rate given by Gongshang Bank is [-]%, which has almost dropped by half.

This one rates very well!

As for how good?

Referring to the bank's fixed deposit interest rate, the one-year fixed deposit interest rate is 1.75%, the two-year fixed deposit rate is 2.25%, and the three-year and above deposit interest rate has reached 2.75%!

That's right!

The interest rate of fixed deposits with a period of three years or more has reached a height of 2.75%.

However, the six-year loan interest rate of Gongshang Bank to Ansheng Construction Company is only %!

If there are no additional conditions, AXA Construction Company can re-deposit this loan into the bank's certificate of deposit, and still make a net profit of 0.25% every year?

With such a favorable condition, An Liang can imagine that there are limitations.

The same is true in fact, the first option does have limitations.

Gongshang Bank provides loans with ultra-low interest rates, but it will not provide full cash loans to AXA Construction Company. Gongshang Bank will provide AXA Construction Company with an equivalent amount of credit certificates.

For example, Ansheng Construction Company needs to pay the steel supplier for goods, and Gongshang Bank will provide Ansheng Construction Company with a credit certificate corresponding to the payment.

If it is [-] million, then provide a credit certificate of [-] million.

After the steel supplier gets the [-] million credit certificate provided by Ansheng Construction Company, through the credit certificate, he can go to Gongshang Bank to receive [-] million funds.

But credit certificates have a redemption period, such as one month, two months, three months, and some credit certificates even reach the level of six months.

As for what period of credit certificate Gongshang Bank will provide to Ansheng Construction Company, it is a detailed discussion project for follow-up cooperation.

Through credit certificates, Gongshang Bank can reduce financial pressure and attract customers associated with AXA Construction Company.

For example, if the steel supplier of Ansheng Construction Company wants to transfer [-] million yuan from Gongshang Bank, it will not only take time, but also require handling fees.

Under the condition that Ansheng Construction Company has been using the credit certificate of Gongshang Bank for a long time, can the steel supplier open an account at Beiyu Branch of Gongshang Bank, so as to facilitate the acceptance of payment funds from Ansheng Construction Company?

If this is the case, then this sum of money was handed over to Ansheng Construction from Gongshang Bank in the form of a credit certificate, and Ansheng Construction was handed over to the steel supplier, who opened an account with Gongshang Bank.

The end result is that the left hand is handed over to the right hand, and a sum of [-] million funds has not flowed out from Gongshang Bank at all, and additional new potential customers have been absorbed.

So you want the bank to suffer?

It is recommended to wash and sleep! .

Chapter 609

How could the bank suffer?

In every big banking system, whether it is financial experts, actuaries, or official economic analysts, etc., are they all decorations?

Every bank policy has gone through countless simulation calculations and analysis. Do you still want the bank to suffer?

Of course, Ansheng Construction is not at a disadvantage!

In fact, the Industrial and Commercial Bank of China gave Ansheng Construction very favorable terms, and the loan interest rate was lower than the fixed deposit interest rate.

An Liang looked at the second option.

The loan period of the second plan is still six years, and the annual interest rate of the loan rises to 3%, but AXA Construction Company is allowed to repay in advance, and the interest is calculated according to the repayment date accurate to 'day'.

If the annual interest is %, calculated based on the six-year loan period, the total interest scale is 15%. If the total loan is 20 billion, it will generate 3 million interest.

In six years, Ansheng Construction Company can get about 10 billion profits from the West City development plan, and Gongshang Bank will share 3 million~ of profits.

If according to the second plan, although the annual interest rate of the loan has risen, if the development of Ansheng Construction Company is stable and the settlement of the West City Development Plan is on time, then Ansheng Construction Company may not need Gongshang Bank in the fourth year loan-backed.

The second option is a gamble-rhythm!

If everything goes well in the fourth year and AXA Construction Company repays the loan in advance, the total interest may be controlled between 9% and 12%, thereby reducing the amount of interest expenditure.

However, if the settlement of the West City development plan is delayed, even if it is only delayed for half a year, the actual cost of Ansheng Construction Company may be higher.

However, in the second plan, Gongshang Bank has stipulated that if Ansheng Construction Company repays the loan in advance, then Ansheng Construction Company will continue to use the credit certificate of Gongshang Bank within the six-year loan period, so as to provide for Gongshang. The bank solicits other related customers.

An Liang looked at the two plans again, and both plans have their own advantages.

The first plan is stable and the preferential conditions are excellent!

The second option has room for maneuver. If Ansheng Construction Company develops fast enough, it can pay as little interest as possible to Gongshang Bank.

After all, the interest rate is really not low!

"Auntie, which of the two options do you recommend?" An Liang asked.

Liu Ling responded, "Actually, both plans are very good. I can assure you that the maximum discount offered by any other bank is just like this."

"As for which one to choose, you have to consider according to your Ansheng's situation. If you want to take lower risks, I recommend the first plan. It is a stable plan. After six years, the West City Development Plan will inevitably lose most of the money. All the money has been allocated." Liu Ling analyzed.

"The second plan can reduce the payment of loan interest. If the appropriation progress of the West City Development Plan is slow, external funds are needed to supplement the development of Ansheng." Liu Ling reminded.

The west city development plan is the official development plan of Shengqing. Although money will be given, the specific allocation time may be delayed for half a year, which will put huge pressure on Ansheng Construction's capital chain.

After Liu Ling's analysis, An Liang did not make a decision. This kind of matter must be discussed with An Shengyu, and then An Shengyu will make the final decision.

An Shengyu is now in charge of Ansheng Construction!

"Okay, Auntie, I'll remember. I'll give this information back to my dad tomorrow." An Liang explained, without making any promises.