The old lady waved to Fang Zhicheng and said with a smile, "Are you the young man who rents the house of Sister Zhou?"
Fang Zhicheng nodded, stood and chatted with her for a few words, and said: "Yes, I have lived here for a few months. Because of my busy work, I usually come back to stay for a while after get off work. I wonder where you live, grandma?"
The old lady pointed to a small building not far away and said with a smile: "I live there. Come visit us when you have time!"
"Oh!" Fang Zhicheng waved to the old lady and ran towards the house where he lived.
The old lady stared at Fang Zhicheng's back for a while, then nodded and said, "He's a young man, and I heard he's a civil servant. I wonder if he has a girlfriend..."
When he got home, seeing that Shen Wei and Qin Yuming had not gotten up yet, Fang Zhicheng prepared breakfast. He brought steamed buns with him when he was running and cooked millet porridge. Qin Yuming got up first and saw Fang Zhicheng busy in the kitchen. She said apologetically, "We talked for too long last night, so I got up late."
Fang Zhicheng walked over, kissed Qin Yuming on the right cheek, and said with a smile: "Where is Lady Shen?"
Qin Yuming smiled and covered her mouth, "Still soundly sleeping."
Fang Zhicheng sighed, thought for a moment, and said, "Why don't you go back to sleep? I've already prepared breakfast. When you guys get up, you can just heat it up."
Qin Yuming nodded, returned Fang Zhicheng a kiss, blinked, and said, "Give you a loving encouragement!"
After returning to the Merchants Group, before they had time to make tea, Li Hui came in with a young woman in her twenties. Fang Zhicheng pointed to the sofa and said with a smile, "Please sit down!"
After the two sat down, Li Hui introduced Fang Zhicheng, "Director Fang, let me introduce you. This is Ms. Wu Haiyan, the general manager of Xindi Real Estate Development Co., Ltd. Xindi Real Estate Development Co., Ltd. is a local real estate company in Dongtai County and has strong strength."
Fang Zhicheng stood up and shook hands with Wu Haiyan, saying with a smile: "I have heard of Mr. Wu's name. I have met him at the county CPPCC meeting. At that time, Mr. Wu also spoke as a representative of private entrepreneurs, which left a deep impression on people. You are very insightful in interpreting the real estate trends in Dongtai and Yinzhou. I have always wanted to have an in-depth exchange with you."
In fact, Fang Zhicheng was deeply impressed by Wu Haiyan. The key point was that Wu Haiyan was worthy of the title of Dongtai's most beautiful woman and was a frequent topic of discussion in Dongtai's official circles. Wu Haiyan was 27 years old this year. Her husband Yang Zhao was one year older than her and was also handsome. They were childhood sweethearts and had similar family backgrounds. They were dubbed the golden boy and jade girl of Dongtai's official circles.
Half a year ago, a vicious incident happened, which is also known to many people in Dongtai. Yang Zhao was hit by a falling object while supervising on site, resulting in hemiplegia. However, Wu Haiyan never left him, took care of Yang Zhao, and also shouldered the heavy responsibility of the company.
Real estate development companies seem to be very profitable, but in fact there is a great risk factor, because after the project is launched, most of the funds come from bank loans, and banks strictly control the repayment time when lending. Now that Yang Zhao has problems, several major shareholders of the company have withdrawn their capital, so the capital chain has been strained and the construction situation has been stagnant.
Fang Zhicheng analyzed that Wu Haiyan came here today to solve the problem of funds. Dongtai Merchant Investment Service Co., Ltd. can help enterprises in the county solve loan problems, and what Wu Haiyan urgently needs to solve now is funds.
Wu Haiyan had indeed met Fang Zhicheng before, but she didn't pay much attention to him that time because Fang Zhicheng was too young. Although he was sitting in a key position at the time, she didn't pay much attention to him. Now, after carefully looking at Fang Zhicheng, she found that his eyes were particularly bright, as if he had the magic power to see through people's hearts. She couldn't help but look away and smiled softly, "Director Fang, you're too polite. To be honest, I came to China Merchants Group today mainly to solve the company's capital chain problem. Two important investors in the Dijing Garden project invested by Sun Hung Kai Properties recently withdrew their capital, causing a serious funding gap for the second phase of the project. I'm also desperate now, and I hope the government can help us and find a way out for us."
Fang Zhicheng's face became solemn. He sighed and said in a deep voice: "Mr. Wu, I know your difficulties, but as far as I know, the investment amount of the second phase of the Dijing Garden project is 200 million. Even if we are willing to help you get a loan from the bank, it will be a drop in the bucket. If there are no new investors, there will be no way to solve your problems."
Wu Haiyan nodded and sighed, "We are taking things one step at a time now. We will first solve the problem of bank loans, and we are also actively contacting and looking for investors."
Fang Zhicheng shook his head, a helpless look on his face, and said with a wry smile: "Mr. Wu, I believe you also know the bank's policy. Only if you have sufficient qualifications and no risks, the bank can provide you with capital loans based on your repayment ability. So now you need to find investors. With new investors, the bank will be willing to extend the loan or increase the loan amount."
Li Hui and Wu Haiyan must have a special relationship, so she helped Wu Haiyan and said, "We also understand the policy. It's mainly because Director Fang has a good relationship with the bank. Can you make some concessions?"
Fang Zhicheng laughed at himself and said, "Sister Hui, how can the bank's policies be changed at will?"
Li Hui sighed and said softly, "I'm sorry, Haiyan, it seems I really can't help you."
Wu Haiyan originally wanted to give it a try, but after hearing what Fang Zhicheng said, she showed regret on her face, stood up and said goodbye, "Thank you, Director Fang. I'll take my leave now and won't bother you anymore."
Fang Zhicheng stood up and sent Wu Haiyan to the door. He shook hands with her again, feeling the coldness of her fingertips, and comforted her: "Please rest assured, Mr. Wu, our Dongtai Investment Promotion Bureau will also try to help you contact some investors to see if there are any willing to inject capital into the project. After all, this is a major matter related to people's livelihood."
Dijing Garden is a large real estate project in the county. After the first phase was delivered, the second phase was under construction and part of it had been pre-sold. If the problem of the capital chain spreads, it is likely to cause panic among the owners. Of course, this is not the responsibility of the China Merchants Group, but it will have a negative impact on the China Merchants Group in attracting real estate companies to enter Dongtai.
Fang Zhicheng stood at the door of the office, watching Wu Haiyan's slender figure leave, and sighed in his heart, "If I can help her, then help her."
After Wu Haiyan shook hands with Li Hui, she got into the car, took out her cell phone and flipped through a few pages of the address book. A trace of worry appeared on her face. Should she take the risk
Chapter 0296 The Arrival of an Era
After seeing Wu Haiyan off, Li Hui knocked on the door and entered Fang Zhicheng's office. Seeing that Li Hui was hesitant to speak, Fang Zhicheng took the initiative to ask: "Sister Hui, if you have anything to say, just say it. There are no outsiders here. We are in the same boat, and we are one family, so we should not have different opinions."
Li Hui sighed and said, "Director Fang, can you help Wu Haiyan get a loan?"
"Loan?" Fang Zhicheng said in a deep voice, "This is related to the qualifications of the enterprise!"
Li Hui nodded helplessly and said softly: "Although Wu Haiyan and I are not close friends, I respect this woman very much because she has done many things that ordinary women cannot do."
Fang Zhicheng sighed and said with a wry smile: "Sister Hui, it's a pity that I'm the director of the Merchants Bureau, not the president of the bank, otherwise I would definitely help you. I've already explained the reason just now."
Li Hui showed a trace of worry on her face. "Wu Haiyan is now in a desperate situation. If things go as expected, she is very likely to get in touch with underground banks. This is a very risky approach."
Hearing about the underground money houses, Fang Zhicheng's face changed slightly. He sat at his desk, tapped the table heavily with his fingers several times, and pondered: "What is the current situation of the underground money houses in Dongtai?"
Li Hui pulled up a chair, sat down, and said in a deep voice: "Now Sun Hung Kai Properties continues to circulate 200 million yuan in funds. Calculated at an interest rate of 8% per month, it will have to pay 16 million yuan in interest per month."
Fang Zhicheng couldn't help but smack his lips and exclaimed, "This is a bit too exaggerated." He knew that underground money houses were rampant, but he didn't expect them to be so arrogant.
Li Hui said helplessly: "Dongtai's underground banks are very active, and they are also the main means of raising funds for many companies when they encounter funding problems. After all, borrowing money from banks is complicated and the approval rate is low. If Wu Haiyan contacts underground banks, it will be a bad idea for New World Real Estate Development Company. The huge debt will only delay its death."
Fang Zhicheng sighed and said, "In fact, Wu Haiyan can file for bankruptcy, and then auction the property after the bank takes over. This is much wiser than contacting underground banks."
Li Hui showed bitterness on her face and said, "I proposed this plan to her, but she rejected it. Her husband is the chairman of the company. After he became paralyzed, he was already very desperate. If he knew that the company also went bankrupt, he would completely lose the courage to live."
Fang Zhicheng couldn't help but feel a little admiration for Wu Haiyan, and said with emotion: "It's really hard for this woman."
After Li Hui left, Fang Zhicheng thought about it and called Zhao Qingya. Among the people he knew, Zhao Qingya had great financial strength, and Hongda Group was involved in real estate projects. If he wanted to enter the Dongtai real estate industry, he didn't need to enter directly. Investing in Sun Hung Kai Properties was also a good choice.
Zhao Qingya understood Fang Zhicheng's intention and asked with a smile, "Why did you introduce this company to me?"