When will Mr. Feng arrive? Jin Zhexing looked at his watch and asked Billy, the branch president.
Mr. Feng just called and said that he was already on his way and would arrive at the appointed time. Billy replied. But, Miss Jin, do you think the loan negotiation will be successful?
" In recent years, the competition in the banking industry has been quite intense. Chase Bank and Morgan Bank have been constantly suppressing our business in Europe. In addition, the credit losses have already reached more than 100 billion. The higher-ups are in urgent need of new performance to stabilize those shareholders. I'm afraid that Feng Yan saw this and came to our bank for credit. Jin Zhexing expressed her opinion. She was quite worried about the current situation of the bank. I heard that Mr. Feng had already made a mortgage loan with our bank last time. It was you who arranged it. Tell me about it.
Yes, last time he used Mobil Oil's shares to borrow close to one billion from me and Morgan Bank. All of this money went to the United Kingdom. We don't know the exact operation of the funds. We don't know what method he used to effectively avoid the supervision of our bank's funds. I was worried for a long time, but later he redeemed his Mobil shares on time. I feel that this person is not simple. Billy said.
Jin Zhexing looked at the personal information about Feng Yan in front of him. Feng Yan, male, 27 years old, Chinese-American, legal heir of the Feng Group in Chinatown. The Feng Group had fixed assets of 120 billion USD. His grandfather, Feng Tianjian, announced to the public that Feng Yan would inherit his business and had a personal disposable cash flow of more than 500 billion USD. He entered the financial industry in his teens and through a series of capital operations, his capital of one million USD had nearly doubled in just a few years. Other information was unknown. Jin Zhexing fell into deep thought about such a person.
Billy quietly sized up Jin Zhexing, who was deep in thought. At this moment, Billy's secretary said," President, the customer you're waiting for has arrived. The car has just parked in the parking lot.
Oh, I know. You may leave. Billy came to his senses and said to Jin Zhexing," Miss Jin, the guests have arrived. Let's go down and welcome them."
Alright, let's go. Jin Zhexing had also heard Secretary Billy's words and quickly stood up.
At this moment, Feng Yan walked into the lobby of the bank alone and saw Billy coming down from the elevator.
Hello, Billy. Long time no see. I'm here to trouble you again. Feng Yan quickly stepped forward and gave Billy a warm hug.
Billy was also very enthusiastic about Feng Yan's hug." Old friend, you're a big customer of our bank. I can't wait for you to come and see me.
After greeting Billy, Feng Yan saw Jin Zhexing, who was standing next to Billy. He asked Billy in confusion," Billy, who is this beautiful lady? Why didn't you introduce him to me? In fact, Feng Yan had seen Jin Zhexing a long time ago. At first, he thought that he was an ordinary employee of the Bank of America, but now it seemed that he was not.
This is Miss Jin Zhexing from the head office. She's involved in my brother's loan this time. Billy quickly introduced.
Hello, I'm Jin Zhexing. Nice to meet you. Jin Zhexing extended his right hand to Feng Yan.
Hello, I'm Feng Yan. I'm really sorry that you came all the way here from the headquarters for my sake. Feng Yan said sincerely.
Alright, Mr. Feng, let's go up and talk. Billy laughed.
Miss Jin, please. Feng Yan looked at Jin Zhexing and politely made a gesture of invitation.
The three of them took the VIP elevator straight to the reception room on the top floor. In the elevator, Feng Yan and Billy were chatting idly, but they didn't talk about the loan.
When the three of them sat down in the living room, Billy asked first," Brother Feng, how much do you want to borrow from us this time?
Five billion USD. Feng Yan opened his palm and said.
Five billion USD? Jin Zhexing looked at this extremely polite fellow in front of him and felt a little uncomfortable for some reason. However, the assets you applied for as collateral were worth at most two billion US dollars. This was already double the amount of assets you had as collateral. It seemed to be against the rules.
Yes, my personal assets in Mobil Oil are only worth two billion US dollars, but I also want to mortgage a company's stock in your company, which is worth about 1.5 billion US dollars. Feng Yan replied with a smile.
Then your entire mortgage is only 3.5 billion US dollars. According to the mortgage regulations of the Bank of America, you can borrow up to 3 billion US dollars. This is far from the amount you requested. Billy shook his head and said," If there are no other guarantees, I think it will be very difficult for the head office to approve it. You know that although I'm a branch president, the loan amount can't exceed 500 million US dollars. No matter how big the loan is, it must be approved. The last time you used Mobil's 2 billion US dollar loan, it was only half a loan. Can I ask, why did Mr. Feng borrow so much?"
As for why I need so much money, I don't think I need to explain it to your bank, right? " As for the amount of the loan, I don't think it can be any less. Billy, it's not the first time we've dealt with each other. You know my reputation, and you know the reputation of our Feng family. Feng Yan didn't talk about where the loan went.
At this time, Jin Zhexing directly pointed out the crux of the problem. Reputation? You also know that if you can't get your money back, our bank will suffer huge losses. What do you think we should do then?
I think we can talk about the loan return first. Feng Yan wasn't moved at all. He changed the topic. Being a bank was also a risky investment. This time, my loan was higher than the standard. Of course, the conditions given were different. I borrowed 5 billion US dollars from your bank. The term was one year. The annual interest was calculated according to twice the usual rate. It was 30% interest, which was 1.5 billion US dollars. I would return the principal of 5 billion US dollars once a year. What do you think?
30%? Billy was shocked for the whole day. If Feng Yan could really pay back so much, it would be a good deal. However, Jin Zhexing was the one in charge now. Billy glanced at Jin Zhexing and waited for her to make a decision.
Feng Yan saw that Billy had turned his gaze to Jin Zhexing. He knew that she was the one who made the decision, so he was not in a hurry. He sized up Jin Zhexing calmly. He hadn't seriously sized her up just now, but now, this woman who was of the same Asian descent as him was frowning slightly. She was dressed in the standard professional woman's attire, and the slightly open top of her shirt made her voluptuous chest obvious. She was also flirtatious.
I'm sorry, Mr. Feng. If you don't mind, can you wait for a moment? I'll ask the head office. Jin Zhexing thought for a moment and raised his head. However, he met Feng Yan's gaze and couldn't help but snort in his heart.
Feng Yan nodded and said,"Alright, go ahead."
President Billy, please accompany Mr. Feng Yan. I'll be right back." Jin Zhexing instructed Billy before he got up and walked to another office to ask the head office for instructions.
This book is provided by FunNovel Novel Book | Fan Fiction Novel [Beautiful Free Novel Book]