The Taihua Hotel, like the high-end hotels of this era, all follow foreign practices and have what others have.
Domestic high-end hotels are still in their infancy, and Guangdong Province is relatively good. I searched all over the inland provinces and could not find a standard four-star hotel, let alone a five-star hotel.
The construction of the Taihua Hotel started five years ago and continued intermittently for five years. It only opened in the first half of the year. It is the only one in the Nangang area.
However, after the completion of the Mayflower Hotel, the Taihua Hotel could only condescend to be ranked second.
Zhi Yuye was a little surprised when she saw Pan Jie walking in, accompanied by a woman of about the same age who looked like a secretary assistant.
Every time she travels, she takes several people with her, including a driver, a man and a woman, two secretaries, four bodyguards, and eight people including herself. She needs at least two cars. Even so, she still feels that the style is not enough. With her mother
All the same, they are all people who pay attention to style and face.
I don’t know how much bigger the Shenzhen Development Bank is than Xinfu Investment, but the president and chairman of the company has a secretary next to him.
"President Pan, hello, hello." Zhi Yuye stood up to greet him.
Pan Jie cupped his hand and said, "Hello, Miss Zhi."
"I am flattered that President Pan took time out of his busy schedule to meet me," Zhi Yuye said with a smile.
Pan Jie sat down as if he was a familiar person, waved his hand and said, "Miss Zhi, since it was introduced by President Fan, we are friends. There is no need to be polite between friends."
"Yes, yes, yes, Governor Pan and Governor Fan are very good friends?" Zhi Yuye sat down.
The female secretary sitting next to Pan Jie said with a smile, "Our Shenzhen Development Bank has a cooperative relationship with ICBC."
"So that's it." Zhi Yuye was secretly glad that he didn't get angry with Mr. Fan at that time, otherwise this road would have been missed.
Pan Jie said, "Miss Zhi, I have a meeting later. If you have anything to say, just tell me. You were introduced by Lao Fan, so there is no need to be polite. Besides, you are a company, we are a bank, and we are here to serve you."
Yes, you are my client, haha."
"President Pan is a cheerful person." Zhi Yuye's previous depression disappeared and he said with a smile, "Then I'll tell you the truth."
"Miss Zhi, please tell me."
Zhi Yuye went through the loan request and said, "We have sufficient funds for new investment, but because of some changes, it is difficult to collect such a large amount of funds in a short period of time, so we want to find a bank loan."
This way.”
"An enterprise that doesn't seek bank loans is not a good enterprise, haha." Pan Jie said with a smile, and then thought deeply, "Miss Zhi, first of all, there is no problem in getting a loan. Please rest assured. We are not as rigid as state-owned banks.
And it’s a bank controlled by Hong Kong capital.”
Hearing these words, Zhi Yuye felt relieved.
Pan Jie continued, "There is no big problem with a loan of 100 million Huaxia coins. There is no problem with the mortgage of Heyi Company, but as for the guarantee company, I suggest changing it to Huanghe Group."
He explained, "We are a Hong Kong-owned bank. As you know, our parent company is Huaxia United Bank headquartered in Hong Kong, so we welcome Hong Kong-owned companies to provide this guarantee. After all, Fuye Company is a Singaporean company. The procedures are
It will be a little more troublesome, and it will affect the speed of the payment."
"Is the payment speed very slow?" Zhi Yuye asked.
Pan Jie said, "It will definitely be slower than the guarantee of Hong Kong-funded enterprises. If it is replaced by the guarantee of Huanghe Group, I am talking about using 30% of the shares of Huanghe Group you hold as a compensation guarantee. I personally estimate that it can be
Got a loan of $20 million."
According to the exchange rate, 20 million U.S. dollars is almost 150 million Chinese dollars, and the value of the U.S. dollar is even greater, not just due to exchange rate factors.
Zhi Yuye quickly calculated that if he could get a loan of 20 million US dollars and fill the vacancy in the commercial vehicle production base and still have a lot of surplus, funding would not be a problem at all.
However, the shares of Huanghe Group were in the name of her mother, Tang Hui, and she could not make the decision herself. Heyi Company didn't care, it had 5 million Hua Xia dollars in assets, and the information shown to President Fan was full of water.
Pan Jie smiled and said, "Of course, I'm just giving a simple conclusion based on the situation you introduced. The exact amount of loan you can get depends on procedures, including review. But don't worry, we are very efficient."
"How long does it take to complete the procedure?" Zhi Yuye asked.
Pan Jie asked, "Miss Zhi, are you in a hurry for money?"
"Yes, as I said just now, if we weren't in a hurry for money, we would have raised funds ourselves," Zhi Yuye said.
Pan Jie sneered in his heart, you are afraid that you can't even come up with an extra million dollars now, so you are still pretending.
There was a thoughtful look on his face.
Zhi Yuye's heart was raised again. The quota issue was solved. The second issue was the time of payment. If the payment could not be made at the ideal time, the investment in the commercial vehicle production base would still have to accept 15% of the shares. This point
She cannot be satisfied with shares, because it means completely losing her right to speak.
After a while, Pan Jie asked, "When do you want it?"
Zhi Yuye thought for a moment, and a big shot like Yu Yong'an would definitely not wait in Nangang for a long time. Luo Yangguang said that it would only be a week at most.
She knew this was a nearly impossible time for a bank, no matter where it was, but now that she had no choice, she gritted her teeth and said, "One week."
"Seven days?" Pan Jie was stunned.
The secretary cooperated and showed an expression of astonishment, and then couldn't help but say, "Miss Zhi, seven days is impossible. No matter how efficient we are, we can only complete the review in seven days."
It can be seen that the secretary is not a simple secretary, but has a role similar to that of the director of the chairman's office. Otherwise, he would not have rashly interrupted when the boss was talking.
Zhi Yuye said helplessly, "Yes, that's why I'm anxious. President Pan, President Fan and I are also good friends, otherwise President Fan wouldn't let me ask you for help."
Pan Jie smiled and said, "Lao Fan will not easily give my personal business card to others, I know this. However, according to normal procedures, it is impossible to place a payment within seven days. Although Shenzhen Publishing Co., Ltd. is in the mainland, our
The system is not very different from that of Hong Kong-funded banks. You also know that in such a short time, the financial process alone cannot be completed."
Zhi Yuye's heart was hanging high again. She thought that the matter was half done, but she didn't expect that it was hanging up again. What should she do?
"President Pan, please help me. It doesn't matter if the interest rate is higher, we can negotiate." Zhi Yuye said.
Pan Jie waved his hands and said, "It's not about interest. Since it was introduced by Lao Fan, I definitely can't charge high interest rates."
He lowered his head slightly and began to think deeply.
After another long while, Pan Jie raised his head and asked, "There is only one way to place the payment within seven days. This is the only way I can think of at the moment. I just don't know if you are willing, Miss Zhi."
"What can I do?" Zhi Yuye asked hurriedly.
Pan Jie said, "You can waive all the conditions just discussed and use the shares of the joint venture held by Fuye Company as collateral. This way you can avoid the cumbersome review procedures and you can make the payment the next day after signing the contract. All you need is
Just put the funds invested in the joint venture company into our supervision account. However, before you sign the joint venture contract, you need to put US$30 million as collateral in the supervision account."
"Supervision account? My own 30 million US dollars?" Zhi Yuye was stunned.
Pan Jie nodded, "Yes, it is actually equivalent to using your shares worth 30 million US dollars to mortgage a loan of 20 million US dollars. We must definitely supervise the funds released and ensure that they are used in the commercial vehicle production base.
As for the project, it is because you have such a project that the loan conditions are constituted. However, we will not interfere with the use of funds, only supervise. After you complete the signing of the joint venture contract, we will sign the change agreement and transfer the collateral.
Change it to the shares of the joint venture company you hold."
"As for the funds in the supervision account, to put it bluntly, as long as it is spent on this project, we don't care how you spend it."
Pan Jie said, "You have asked for so long, so this is the only solution."
Zhi Yuye hesitated and said, "If this is the case, other banks will also be willing."
"Ms. Zhi, you may not know much about mainland banks. They will definitely not accept it unless your $30 million is a time deposit. In such a short period of time, many Hong Kong banks will also be cautious. These are two things.
Tens of millions of dollars, no matter where you put it, is a lot of money, and if something goes wrong, accountability will be very serious."
Pan Jie smiled and said, "To be honest, we have never adopted this method because the risk is too high. If it weren't for Lao Fan's sake, I would not have made this suggestion to you."
He looked at the time, stood up and said, "Sorry, Miss Zhi, I have to rush to the meeting. You should think about it first. Oh, by the way, you are the most beautiful, youngest and most courageous female entrepreneur I have ever seen.
,Nice to meet you."
Zhi Yuye stood up and watched Pan Jie leave, then slowly sat down and thought about it for a long time.
The risks are obvious, and if you agree, it means that your funds are restricted, and many things will not be so easy to operate.
But this is the only solution for now, unless she is willing to accept 15% of the shares of the joint venture company, and it is precisely this shareholding ratio that she will never accept.
For Shenzhen Development Bank, there are too many risks. First of all, the loan must be made before the joint venture contract is signed, because only when the funds are in place can the lender have the basis to sign the joint venture contract. If between the time of loaning and before the signing of the joint venture contract, the recipient
If the lender runs away with the money, everything will be lost.
Therefore, it is reasonable to propose the establishment of a supervision account.
The second risk is the risk of the project itself. In such a short period of time, the bank has no way to evaluate the project. This is where the risk lies.
Zhi Yuye can accept these with gritted teeth. The only thing that is difficult for her to accept is that her 30 million US dollars must also be included in the supervision account for supervision.
But Pan Jie's reasons are also very good. The US$30 million is liquid collateral. After the signing of the joint venture contract is completed, a modification contract will be signed to change the collateral to the shares of the joint venture company held by Zhi Yuye.
Looking at it this way, it is reasonable and reasonable. Under the condition that the loan is required to be released within seven days, there is no fault at all.
What Zhi Yuye thought was that if she used this method, she could make the decision herself. If she wanted to use Huanghe Group as a guarantee, her mother Tang Hui would still need her consent.