My Strength Does Not Allow Me to Low-key

Sanchen Ranch is in another valley not far from the winery that Xiao Feng bought, and its area is larger than that of the winery.

To the north of Bincheng is the remaining foot of the Paektu Mountain Range, with many mountains, and there are also many valleys sandwiched between the mountains.

Because it is the foothills of the mountains, the mountains are not very high, and the slopes are relatively gentle, so there are many hilly areas in the valleys between the mountains.

The area chosen by Sanchen Ranch is a place with a lot of flat land, and the hillside is not steep.

President Feng drove Xiao Feng here for more than an hour, and then led Xiao Feng to visit inside.

"It covers an area of ​​about eight square kilometers. The mountains on both sides and the valley in the middle are counted. You can see that the fences have been repaired at the front and rear passes, so this is a natural pasture. Look at the lawn in the middle valley. It has been repaired, and there are several small streams left on the mountain here, so there is no shortage of water here. Originally, Sanchen Dairy wanted to build this place into a comprehensive pasture integrating animal husbandry and tourism. But how can I expect the funds now? If something goes wrong, the post-construction of this pasture will be unsustainable. They have invested 100 million yuan here before, buying land, leveling and repairing roads, planting grass, building warehouses, houses for livestock, and houses for managers. house and so on..."

President Feng is obviously very familiar with this place, and while showing Xiao Feng around, he introduced it to him.

Xiao Feng listened and looked at it. Indeed, the pasture was almost built in the early stage. The places on both sides of the slopes of the valley below 30 degrees were all planted with pasture grass, while the valley in the middle was all paved with that kind of green grass. lawn.

This kind of lawn is more like a stadium, and the kind of lawn on a golf course, not like pasture for cattle, so it can be seen that there was indeed a tourist plan here before.

There is a small river in the valley, which is formed by the collection of streams left on the mountain, and many roads have been built in the mountain, leading to various functional areas.

The cowshed and the feed warehouse were built in the southeast corner, but it was empty inside, not a single cow.

In addition, there are still several places where construction has not been completed, such as staff dormitories, etc. It can be seen that work has indeed stopped due to lack of funds.

"How long is the land use right here?"

"Thirty years, it only started last year. Of course, it can definitely be continued later."

President Feng introduced to Xiao Feng, Xiao Feng nodded, that's the state's regulations.

"Then how much do you plan to spend here?"

Xiao Feng didn't play tricks with President Feng any more. He looked at the ranch and he was quite satisfied, so let's talk about the price.

Xiao Feng was so straightforward, President Feng was overjoyed, originally thought that this guy would have to go around with him a few times.

"Well, I'm not going to hide it from you. The money that Sanchen Dairy invested in this project was actually brought from us. They invested a total of 120 million yuan in the early stage. Now that something happened to them, they paid the ranch to We, our asking price is not high, 100 million, even the attachments on the ground, what do you think of Mr. Xiao?"

Xiao Feng raised his eyebrows when he heard this, this old Feng is so insincere!

Sanchen Dairy has invested a total of 120 million yuan here, and now it is paid to your bank. If your bank is willing to sell it to me for 100 million yuan? Do you think I'm a fool?

It is said that this person invested 120 million yuan, but your bank is willing to sell it for 100 million yuan, which shows that there must be tricks in it! Have you ever seen a bank do business at a loss?

Sanchen spent 120 million here,

This money is definitely not all bank money, there must be part of their self-investment funds, and then the bank allocated part of the funds to them, which is estimated to be tens of millions.

And now this guy actually asks himself for 100 million yuan, how can he make tens of millions of dollars just by changing hands! Don't you take yourself for granted?

Besides, when they lend money to Sanchen Dairy, they must charge a handling fee, right? And you also received a lot of interest from Sanchen before, right?

Just for the handling fee and interest, it is estimated that they have earned millions, even tens of millions, and now they are going to kill themselves again? These guys are really black-hearted!

No wonder the most profitable companies in the country are all banks! How the hell can you be called a black hand? It doesn't matter if you are an acquaintance or not, I will give you a knife when you come up!

Xiao Feng smiled and looked at President Feng. President Feng thought that Xiao Feng was satisfied with the price, but he was embarrassed by what Xiao Feng said next.

"President Feng, are you looking at me?"

"Um?"

President Feng was a little confused by Xiao Feng's request, what does it mean?

"You are looking at me carefully, do you think I look like a fool?"

President Feng could only scratch his head and smile in embarrassment. He seemed to have underestimated this young man. Before, he thought that this young man had made the fast food chain a big success, earning hundreds of millions of dollars. It was inevitable that he would be a little flustered at this time.

So it shouldn't be a problem to praise him a few words, and then fool around to buy this ranch at a good price, but now it seems that I still think too simple.

If he can make such a big business, he can't be treated like an ordinary young man. How many people who have such a big business are fools?

Although the price of this ranch was set by his superior, how could he not know the tricks in it?

However, he is also a thick-faced and dark-hearted old Jiang Hu, who quickly put that embarrassing emotion behind him, asking for prices all over the place, and paying back the money when he lands, doing business, isn't that how it is!

"Well, Mr. Xiao, the price is of course negotiable."

Seeing that Xiao Feng still didn't speak, President Feng was a little impatient and couldn't help reminding him, but Xiao Feng looked at President Feng with a half-smile at this time, and then said.

"In that case, I'll offer 50 million yuan, do you think it's okay?"

"what?"

President Feng opened his mouth wide. It is true that my brother will pay back the money, but he is not so ruthless. You are cutting a knife in the middle!

In fact, Sanchen Dairy invested 40 million in this ranch, and Binhai Bank allocated 80 million to them, but they have already collected 70 to 8 million in handling fees and interest.

Now that Sanchen is struggling to operate, this ranch must be unsustainable. In order to avoid bad debts, Binhai Bank preemptively took the ranch.

In fact, considering that they have collected seven to eight million in handling fees and interest before, they only need to sell this ranch for seventy-two million, and they will not be considered a loss, but isn't President Feng helping the bank to strive for the best interests!

That's why he asked Xiao Feng for 100 million yuan, but he didn't expect Xiao Feng to cut it so hard, he cut it in half.

"Uh...brother...we're not going to the wholesale market to buy something, we can't cut it in half! Look at such a large ranch, the land, the tee, and the basic infrastructure construction are basically completed, only a few employees are left It doesn’t cost a lot of money to build a house, just add some cattle and sheep to it, and it can be used directly. This pasture is almost ready-made, and the useful life is still 29 years, you pay 50 million, right? A little too low?"

President Feng spoke with a crying tone, little brother, we really have something to discuss.

But Xiao Feng didn't think so. The ranch was really well built, but besides him, can President Feng find anyone else who is willing to take over?

Even if we can find it, we probably have to wait until the Year of the Monkey.

In recent years, the domestic real economy has been difficult, and there are fewer and fewer people engaged in the real industry. In addition, this is an industry that involves people's livelihood. The profit of the dairy industry is already meager, and the competition is very high. In addition, the commanding heights in the circle , has long been monopolized by the two major domestic giants and old brands from all over the world, and outsiders are not willing to intervene in this market at all.

As for local farmers, even if someone wants to take over the ranch, they don't have the strength.

So there are really not many people who can help Binhai Bank solve its urgent needs, and I am one of them.

Moreover, he also has a few classmates who are working in the financial industry, and he is very clear about how banks dispose of non-performing assets.

Different banks have different asset preservation rates, that is, after the loan is issued, if the other party does not manage well, the debt can only be repaid with mortgage assets.

Then these assets are regarded as non-performing assets. When disposing of them, if they can recover 70%, the disposal is considered successful. After all, this is better than not recovering a penny. The bank can still recover 30% of the loss. affordable.

So, of course, the price of this ranch had to be severely suppressed. The other party asked for a price of 100 million, and the price in his heart was 70 million.

"President Feng, how much do you think is appropriate? You don't need to mention a price of 100 million yuan? If you mention an outrageous number, I will go back. In fact, this ranch is really precious to me. Dispensable."

When President Feng heard this, he panicked immediately: "Um, why don't you quote another price and increase it a bit. 50 million is really too low."

But even though he is in a hurry, this guy is also an old fritter. Anyway, if he is killed, he will not take the initiative to quote. Who knows what price is suitable. If Xiao Feng is angered, it will be bad. If you can’t do it, then the gain outweighs the loss.

"Sixty million, it's interesting enough, I'll add another ten million to you."

"Seventy million, it can't be lower, brother, this is the bottom line I can bear."

Seeing that Xiao Feng was willing to increase the price, it meant that there was still room for negotiation. At this time, President Feng did not go around in circles, and directly quoted the lowest price, which was also acceptable to the bank.

After lending out 80 million yuan, the ranch received 70 million yuan back. The handling fee and interest collected before were more than 7 million yuan, and the bank lost more than 2 million yuan, which is still acceptable.

Moreover, President Feng has made great achievements in disposing of non-performing assets, and he will not take less bonuses at the end of the year. As for the blame, of course it is the person who lent out the money.

This price was just in line with Xiao Feng's psychological expectations, so he stopped working with President Feng: "That's all right, that's it. Later, you guys have all the contracts and procedures ready. Let's transfer the property first and pay later."