Let you be a great man, not a scumbag

Chapter 1595 I don’t really want to get involved in this project

She paused, picked up the document and handed it closer, her eyes more serious. "So, China Merchants Bank has been working on this competitive preferential plan these past few days. As soon as it was finalized, my uncle urged me to send it over quickly."

Jiang Cheng took the document but didn't open it. He just looked at her and asked, "What do you think of your proposal? What advantages and preferential conditions can it offer over others?"

Although the system rewarded a piece of land worth 136.1 billion yuan.

But there was no incentive to build funds.

According to Chen Xueer's previous estimate, if a 200-meter landmark building is to be built, at least 50 billion yuan will be needed.

It will take three or four years to complete such a large project.

Such a large project will take at least three to four years to complete.

It is not cost-effective to put all the cash flow into it.

When carrying out construction projects, one naturally has to fleece the banks.

Zhu Yan was silent for a few seconds, then lowered his voice: "The plan is in your hands, you can see it more clearly for yourself."

She raised her eyes to meet Jiang Cheng's, her fingertips unconsciously picking at the edge of the document, her tone laced with contradictory honesty, "Actually... this plan, I'd be lying if I said I didn't want to get involved at all. If this deal goes through, I can at least move up two levels in the industry, and I won't have to be bullied by those senior executives every day."

She laughed self-deprecatingly. "I've been competitive since I was little, and after joining the bank, I wanted to climb even higher. I won't hide that from you. But I'm afraid you'll think I'm close to you just for this project."

Jiang Cheng understood instantly. She wasn't rejecting the benefits, but she was afraid that the benefits would overshadow the things between them.

After all, winning this order will undoubtedly be an extremely important stepping stone for her promotion in China Merchants Bank.

She just didn't want this "benefit" to become a barrier between the two of them.

He pushed Jiang Cheng with both hands, indicating that he should look at the documents on the table.

Jiang Cheng's fingertips paused on the cover of the document, and he looked up at Zhu Yan, his tone containing a hint of professional discussion.

"No, I'm too lazy to read. I just want to know: if you really get these billions in loans, how much practical benefit will it bring to your bank? With so many banks eyeing you, what are your core advantages?"

Upon hearing this, Zhu Yan put away his previous careless attitude and answered in a professional manner.

"For banks, corporate loans of 60 to 70 billion yuan primarily bring economies of scale. Winning this Xingchen deal will directly increase the proportion of our bank's total annual corporate loans. Meeting the head office's scale targets is fundamental to our performance evaluations. Exceeding them will significantly increase the annual resources allocated to branches, especially in terms of the two key indicators of 'proportion of high-quality corporate customers' and 'growth rate of intermediary business income'. With this Xingchen deal, we'll likely be among the top three in the bank."

She paused and continued, "Secondly, there's the comprehensive income. While it might seem like interest on the surface, leading companies like Xingchen will likely prioritize us for subsequent fund settlements, employee financial management, and even the import of building materials and overseas design team fee settlements involved in the project. These foreign exchange businesses will likely be handled by us first. Since your project has a long construction period, we can lock in the exchange rate for six months, helping you mitigate the risk of exchange rate fluctuations. The combined profits from these intermediary businesses could be even more substantial than the interest on the loan alone."

Hearing this, Jiang Cheng nodded.

Since the establishment of Star Investment.

Chen Xueer is in charge of all these matters.

Although all my funds are now in China Merchants Bank.

But Jiang Cheng also understands that one should not put all eggs in one basket.

Of course, the company’s other banking businesses are not all connected with China Merchants Bank.

Seeing Jiang Cheng pretending to listen, he gestured for him to continue.

Zhu Yan continued, "Furthermore, this project is a landmark in Shanghai. If it's successful, it will become an industry benchmark. This will be a great opportunity for us to collaborate with other large companies. It will be our best 'business card'."

"As for our advantages... to be honest, I'm a little unsure. After all, Xingchen has grown so rapidly in the past six months. They just acquired shares in Pinxixi two days ago. According to my uncle, your Xingchen's investment rating is ridiculously high. They will definitely make a lot of money in the next few years."

She paused and added, "However, our bank has special policies for landmark projects. Within regulatory compliance, interest rates can be 10-15 basis points lower than those of peers, and the repayment period can be extended to the construction period plus a three-year grace period. This is what my uncle asked me to emphasize."

"Furthermore, your personal account records and company deposit history are complete, so the approval process can be at least 20 days faster than other banks. We don't expect to handle all your business, but we hope this order will make you feel 'convenient and worry-free.'"

Zhu Yan's words were very honest.

For companies like Xingchen with stable credit and cash flow, the preferential plans that China Merchants Bank can offer can naturally be offered by other major banks as well.

So, it doesn’t make much difference who you choose.

It all depends on who Jiang Cheng wants to give this cooperation opportunity to.