Game within game: chess player

Although on the surface it is still government-owned shares with private capital as the main body, in reality it is still government-controlled, which is related to the current financial policy that focuses on risk prevention. Although it is government-controlled, it does refer to the management model of Minsheng Bank, the country's first private bank, in its decision-making. It operates in a market-oriented manner and is responsible for its own profits and losses. The government does not intervene in management and is run by a team of professional managers.

In this context, Wu Jianian considered that after all, he was the person in charge at the head office level, and at the same time, he was given great treatment and authority. He was the chairman internally and the president externally. Given corresponding treatment and authority, it was natural to ask for economic benefits from Wu Jianian. However, although urban banks are called banks, they are very different from state-owned banks when they go out to contact business.

Good corporate loans are almost always controlled by large state-owned banks and powerful commercial banks. For urban banks, which are financial enterprises that are better than the top, good loan projects are not available to them at all, and corporate loans with poor qualifications are not available to them. I dare not let go.

What makes Wu Jianian even more uncomfortable is that although urban banks are not popular in Binhai City, they are very recognized by the people in the towns around Binhai. Even though the scattered deposits of ordinary people of 1 to [-] have led to a rapid increase in bank deposits, there has been no breakthrough in the loan business. , relying on the volume of loan business to urban people, this bank will suffer losses within three years.

Large-scale enterprises in Binhai have banks dedicated to serving them. It is really difficult for Wu Jianian's urban bank to break out. Wu Jianian is about to enter the one-year assessment period. Although it is a mid-year assessment, for Wu Jianian, it is a one-year report. If there is no eye-catching numerical report, Wu Jianian will not be able to deliver at the shareholders' meeting.

While the two were talking, Xiaozhuang asked someone to remove the food and replace it with a pot of tea. Then Xiaozhuang poured tea for each of them, turned around and left, leaving only a waiter at the door ready to be summoned. .

Seeing that Xiaozhuang was so knowledgeable, Wu Jianian knew that the two of them wanted to discuss some confidential matters, so he quietly withdrew.

Wu Jianian came over for a meeting this time and overheard a bank president in the capital talking about the fact that German Real Estate had swallowed up six pieces of land but no bank was willing to lend money to it. After Wu Jianian inquired carefully, he found out that De Fang Real Estate was set up by someone in Beijing. He set up a trap to win the bid, and then made all banks refuse to lend money. It was clear that he was trying to trick De Fang Real Estate. By then, these six pieces of land will not only have to be spit out by German Real Estate, but they will also probably have to close down.

Of course Wu Jianian knew how to make all the banks in the capital refuse to lend, which shows that this person is a very capable person in the capital. The banks in the capital did not dare to lend, which does not mean that the banks in Binhai did not dare to lend. Therefore, in order to win Ye Fang's business, Wu Jianian After studying the German real estate in detail, he directly blocked the boss behind the scenes, Ye Fang, at the door of the company to show his sincerity for cooperation.

Wu Jianian carefully studied the six pieces of land from De Fang Real Estate. As long as there is sufficient financial support, the developed properties will not have to worry about selling. This is clearly a profitable project. But just a word from someone in Beijing caused all banks to tighten their funding for German real estate. If these real estates are to be fully revitalized, they must have at least one billion in cash reserves, which is dispensable for major banks. But for Wu Jianian's town bank, it is a big piece of meat.

Ye Fang listened to the ultimate purpose of Wu Jianian's trip without changing his expression. It was not that Ye Fang had not considered the strategy of bank loans from other places, but after talking with Zhang Yunshan, he felt that the feasibility was relatively low, mainly because lending in other places required the approval of the central bank. The procedure is more troublesome. And in principle, this bank must be qualified to undertake the housing loan business of local people. This policy directly isolates foreign banks from the door, unless the bank can set up branches in the capital.

This is why Qi Wenbin dared to raise the table with Ye Fang. Qi Wenbin was sure that if the local banks collectively refused to lend to Ye Fang, Ye Fang's German Real Estate would have to close down, and even the entire group would be destroyed.

In fact, this is indeed the case. If these banks in the capital unite to block Ye Fang, unless the Ma family comes forward to coordinate, Ye Fang may still have a chance of survival, or Ye Fang will be forced to sell off core real estate within the third ring road to relieve financial pressure. But once Qi Wenbin releases the news that Ye Fang's capital chain is tight, Ye Fang's house will definitely be sold at a low price.

Ye Fang knew that there was a mountain of gold sitting under his butt, and there was no reason to sell it as a pile of coal.

Qi Wenbin's strategy can be used to attack when advancing, and can be defended when retreating. It is a complete plan to defeat the enemy.

After Ye Fang thought seriously for a while, he said in a deep voice, "Wu Xing, do you know who is designing me later?"

"I heard that it seems to be the Qi family in the capital. It is also a big family and has a good background in the capital." Wu Jianian said truthfully.

"Now that you know that the Qi family has a rich background, are you still willing to wade into this troubled waters? Aren't you afraid that the Qi family will target you?" Ye Fang asked.

Wu Jianian smiled and said confidently, "Others are afraid, but I am not. When doing business in Beijing, we first look at connections and then profits. But in Binhai, we don't look at relationships, but at profits. Of course, this benefit is not bribery, but real profits." , whoever can bring me profits is my honored guest. No matter how long the hands of the Qi family are, they can't control Binhai, not to mention that the shareholders of our bank are not vegetarians."

After listening to Wu Jianian's words, Ye Fang slowly stood up and walked to the window and looked out at the ginkgo tree. Wu Jianian also stood up at this time and looked at Ye Fang's back, waiting for his reply.

"Wu Xing, you know that once you get in, you can't withdraw. It's a fact that the Qi family is powerful in the capital, but I also said that as long as I calm down, I will definitely beat the Qi family. I have to find my teeth all over the place. Your joining the war means that you will not be able to be alone in the future. I suggest you discuss it with your shareholders now. I don’t want your bank to push me again one day when I have no retreat. . If we cooperate, our two families will definitely have a comrade-like relationship where we can give each other our backs. Please think about it and I will wait for your reply." Ye Fang said without looking back.

"Okay, I would like to ask Mr. Ye what credit line you need from our bank in the future?" Wu Jianian asked carefully.

Ye Fanglue thought for a while and replied, "It will not be less than 100 billion. In the future, all properties developed by German Real Estate will be designated as mortgages in urban banks, including the fund custody business of my fund companies and insurance companies. How about that?"

Hearing the figures reported by Ye Fang, Wu Jianian took a breath. He did not expect that Ye Fang had such a big appetite, but when he thought of the mortgage loan business of thousands of units in six real estates, it was definitely difficult for Wu Jianian's urban bank. Resist the temptation.

"Okay! I'll contact you right away. Please wait for me for a few minutes." Wu Jianian then walked out of the room, and the service staff specially arranged a private room for Wu Jianian.