Shenhao: I can see the goddess’s wish list

But Luo Feng interrupted Tang Ya directly and said, "Auntie, you should know that I have an investment company, right?"

Tang Ya nodded.

Of course she knew.

About Fengshun Investment Company.

Tang Ya had heard something about it, and knew that this was a company that made money like a money printing machine.

"Actually, regarding the Qiliwan Life Research Project Center, if someone is willing to invest or provide resource loan services, I would rather accept external financial assistance!" Luo Feng said with a pretend sigh.

Tang Ya raised her eyebrows.

She has a cute little expression.

"The Qiliwan project is mainly aimed at cutting-edge research in the field of life sciences. It is impossible to determine the future returns, let alone whether there will be any returns. Therefore, basically no one is willing to invest in it, and no banking institution is willing to lend money." Luo Feng said.

"That's why we're funding this project ourselves!" Luo Feng said in a self-deprecating tone.

Qiliwan Life Science Research Center is a bit like the chip field, such as Xiongxin Group.

When Luo Feng was recruiting people before.

Many people avoid the chip industry as if it were the plague.

Fortunately, Luo Feng made money in the financial market very quickly, and he almost single-handedly supported the chip company's progress.

Currently, Xiongxin Technology is able to stand on its own and provide multiple chip technologies to Blue Future Graphene Group.

This will help you avoid being harassed by the tigers.

That's the bottleneck.

As for the exploration and research of cutting-edge technologies in the field of life sciences, the technical difficulty even exceeds that of chip technology.

Such exploration generally does not produce any results.

There was a saying in the medical community at the time, which was Double 10.

In other words, it takes 10 years and 10 billion US dollars to develop a new drug.

However, times have changed, and as the medical field becomes more mature, it is becoming increasingly difficult to develop new drugs.

The original Double 10 is no longer suitable for today and has long become a thing of the past.

Taking a certain company as an example, it took 10 years to develop a new drug, and the economic cost was 200 billion yuan, which is more than billion Daxia currency.

But there was still no result.

Exploration in the field of life sciences is like crossing a river by feeling the stones. No one knows what lies ahead.

Therefore, Luo Feng did not expect anyone to invest money in this project.

Only Luo Feng himself can invest.

But Luo Feng is not afraid, because Luo Feng has something that others don't have, that is, the holly seeds provided by the system, as well as thousand-year-old ginseng, golden Tai Sui, etc. These are things that can be provided for research.

After Luo Feng explained to Tang Ya, he sighed and said, "Auntie, do you understand now? If we put our money in Fengshun Investment, we may get a greater return, but if we put it in life science research, we can't see any future!"

In other words.

Luo Feng has his own money, but he needs to make money from it.

Then I can only borrow it.

This excuse was also the one Luo Feng used to repeatedly persuade Tang Ya.

Tang Ya apparently agreed with Luo Feng's statement.

But in fact, I still understand.

Luo Feng couldn't borrow 100 million yuan from anywhere else, so why did he have to borrow from Tang Ya's bank? And why did he want Tang Ya to handle this project?

Then there is only one possibility, this woman is the one he wants to help.

Tang Ya knew that Lu Fu had his own bank!

"Given the uncertainty of life science research projects, the review of this loan should be more complicated. So, Auntie, can you tell me how to proceed?" Luo Feng said.

"Just follow the normal loan procedures!" Tang Ya said, "Our bank only needs to consider one thing, and that is the security of the loan. No matter what the lender uses the money for, as long as you can pay it back, then everything is not a problem!"

in other words.

The bank doesn't care what you do with the money.

As long as you can afford it.

Then I can lend it to you.

When examining projects that require borrowing money for investment, the only reason is that you are worried that you may not be able to pay it back. You should check what exactly you are investing in, whether it has prospects, whether you will lose it all, or, even if you lose money, you can get back part of it.

These are all audit situations.

But if the person has strong repayment ability, then these are not a problem.

Luo Feng also understood what Tang Ya meant. According to the normal loan procedures, it means that collateral is required.

This is for sure.

After all, it is 100 million or something. Although banks believe in credit, in their eyes, credit is actually collateral.

If you have collateral, you have credit.

Without collateral, no matter how good your credit is, it will not be trusted.

However, the situation in Qiliwan is rather special.

Qiliwan is on the outskirts of Shanghai.

Land is relatively cheap and has poor liquidity.

Therefore, the land in Qiliwan can basically not be used as mortgage.

Of course Luo Feng has a way to deal with such a situation.

"Since we are following the formal procedures, Auntie, I plan to open an account in your bank and deposit 1.1 million yuan in it as a time deposit. Then you can give us a loan of million yuan. How do you do that?"

Fixed deposits are obviously the best collateral.

Especially fixed deposits stored in their branches.

That’s definitely the icing on the cake.

"No problem at all!" Tang Ya sighed.

Luo Feng even considered saving an additional 1000 million.

Luo Feng had just talked about the rational use of funds, but in the blink of an eye, he took out more funds just to help her complete the task.

"Then how about signing the contract in the afternoon?" Luo Feng said.

Since Luo Feng has already taken this step, how can Tang Ya refuse?

"Okay!" Tang Ya nodded.

"Then let's eat first. After dinner, we will go to your bank, deal with the contract details, and then sign the contract directly!" Luo Feng added.

"Yeah!" Tang Ya nodded again in agreement.

I don’t know how.

At this moment, an idea came to her.

That was when Luo Feng went home that day.

She shouldn't have taken out the hot brown sugar water to express her opinion.

She didn't know why, but she felt a little guilty.

This is Luo Feng’s method, boiling a frog in warm water.

About half an hour later, the two of them finished their lunch. Luo Feng, a big eater, could finish his breakfast, but his appetite was still large and Tang Ya didn't notice any clues.

The two drove back to the bank.

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