bookbashuk Chapter 1632: Being a “good man” does bring good rewards.
Chapter 1632: Being a “good man” does bring good rewards.
"Don't worry, Mr. Jiang. The revision plan submitted by Zhu Yan has already gone through three rounds of review within our bank, and we're currently refining the details. To win this project, we've prepared a 'three-optimal plan' that is absolutely the most professional and most affordable configuration we can offer."
After a pause, he immediately took out a plan book with a gold-stamped cover from his briefcase.
Push it in front of Jiang Cheng and explain it one by one.
"First, we offer favorable interest rates. We forgo the standard 5% increase on the benchmark for infrastructure projects and applied for a special 'strategic customer rate' approved by our head office. This reduces the annualized interest rate to 3.2%, which is at least 0.3 percentage points lower than similar loans from other banks. Based on a 60 billion yuan principal and a 15-year repayment period, this will save you nearly 3 million yuan in interest alone."
"The second advantage is the excellent repayment method. Considering the large initial investment and long repayment cycle of landmark projects, we have designed a model whereby only interest is paid in the first five years, followed by equal principal and interest payments in the next ten years. For the first five years, you only need to pay 5 million yuan in interest annually, which greatly reduces the initial financial pressure. Furthermore, if funds return during this period, you can apply for early repayment without penalty, providing maximum flexibility."
"Third, we offer excellent additional services. If China Merchants Bank secures this loan, we will not only establish a dedicated 'project service team' with specialized consultants in investment banking, risk management, and legal affairs, but will also provide comprehensive follow-up support throughout the project, including fund allocation and compliance review."
"We can also collaborate with China Merchants Bank's wealth management department to provide resource docking for the project's later investment and operations. For example, we can help you introduce leading commercial management companies and even give priority to recommending China Merchants Bank's high-net-worth client resources, helping the landmark project to quickly gain traction."
Xu Lei became more and more confident as he spoke, and pointed his finger at the "Risk Hedging" chapter in the plan booklet to add to it.
"In addition, we have also taken into account the uncertainties of building material price fluctuations and policy adjustments, and added a 'dynamic interest rate adjustment protection clause' to the plan."
"In the next five years, if Hua Xia Bank's benchmark interest rate rises by more than 5%, we will only increase it by 1%; if the benchmark interest rate is lowered, we will lower it in full, helping you lock in costs to the greatest extent possible.
"Mr. Jiang, China Merchants Bank has put forth this proposal with the utmost sincerity. Our goal is to establish a long-term partnership with your group and work together to make this landmark project a city landmark."
Just as Xu Lei finished introducing the plan, there was a gentle knock on the door of the private room.
Under the guidance of the waiter, Zhu Yan pushed the door open and walked in.
His eyes first swept over the table full of exquisite dishes, and then fell on Jiang Cheng.
Xiaozhi smiled sweetly and walked forward briskly: "Boss Jiang, President Xu?"
Seeing Zhu Yan suddenly appear here, Xu Lei's hand holding the wine glass paused almost imperceptibly.
A hint of displeasure flashed across his eyes.
This displeasure was not because he was dissatisfied with her sudden intrusion, but because he thought Zhu Yan came too hastily.
He had specially arranged today's game. He brought Lin Weiwei and Su Xiaoran here without telling Zhu Yan, just to leave a "way out".
In his opinion, the 60 billion landmark loan project was too big and could not be solely bet on Zhu Yan.
She hasn't even finalized the project yet.
It’s not that he didn’t want to help Zhu Yan, but he was unwilling to give up the opportunity of China Merchants Bank to win a big project in order to support her.
"Why are you here??"
He lightly traced his fingertips along the edge of the bone china plate, glanced at Xu Lei, and added, "Zhu Yan is my personal assistant. It would be inappropriate for her not to be present for such an important project."
After saying that, Jiang Cheng gestured for him to sit next to him.
I felt that the atmosphere in the box was suddenly a little off.
Zhu Yan then glanced at Lin Weiwei and Su Xiaoran standing beside him.
The former's red dress is eye-catching, while the latter's light blue cheongsam is gentle. Both of their outfits were obviously carefully prepared.
Zhu Yan understood instantly.
Uncle didn't let her come today, maybe he just wanted these two people to take his place.
Thinking of this, she tightened her fingers around the hem of her skirt, and her nose felt a little sore.
Before Xu Lei could hide his displeasure, Jiang Cheng had already raised his eyes. His tone was calm but with unquestionable certainty: "I asked her to come here."
Zhu Yan's emotions were just surging when Jiang Cheng's words were like a magic needle that stabilized the sea, making her suddenly breathe a sigh of relief.
My heart feels warm and sad.
With two beauties sitting in front of him, Jiang Cheng actually sent a message to ask him to come over.
Zhu Yan: Friendship value +5!
When Jiang Cheng saw the friendliness value rising, his pupils dilated slightly.
At the same time, the system's voice sounded "ding".
"Ding! Zhu Yan's friendship value towards the host is 99 points! Unlock the title of [Life and Death Together]. The host has received a special reward package. Would you like to open it?"
Seeing this, Jiang Cheng quickly clicked to open it.
"Ding! Congratulations to the host for obtaining the "Eye of Financial Insight" skill."
[Activating this skill allows the host to instantly discern potential risks and key opportunities within any financial data, reports, or contracts. For example, they can directly point out hidden interest rate traps and repayment clause loopholes within various financial plans, accurately locating the most valuable investment points in a project. This allows the host to always take the initiative in complex financial negotiations and provide insightful analysis of any financial issue.]
"Ding! Congratulations to the host for obtaining a special Burp Card."
See this eye of financial insight.
Jiang Cheng turned his head to glance at Zhu Yan beside him, and a barely perceptible curve appeared at the corner of his mouth.
It seems that being a "good man" does bring good rewards.
If I hadn’t called Zhu Yan over just now.
Zhu Yan wouldn't raise his friendliness value to 99 points so quickly, right?
Now with this skill, even if Chen Xueer and Zhao Linger are not by his side, Jiang Cheng can avoid many pitfalls with this skill.
As for the special burp card, there is no need to mention it.
It's when I'm short of money.
It feels so good to get billions just by dying.
When Xu Lei heard Jiang Cheng's words, his pupils suddenly shrank, and the displeasure he had just felt disappeared in an instant, replaced by surprise and relief.
He originally thought that Zhu Yan had barged in on her own recklessness, but he didn't expect that Jiang Cheng had specially called her here!
As Zhu Yan's uncle, Jiang Cheng values her so much, which is more effective than arranging more "alternatives" for her.
Xu Lei immediately put down his wine glass, burst into laughter, and tried to make amends.
"Oh, Mr. Jiang, what you said hits the nail on the head! I originally asked Zhu Yan to come over early this morning, but an urgent reconciliation matter suddenly popped up at the bank. I was away, so I had to ask her to handle it first. It was my inconsiderateness that I forgot to tell you!"