"Sorry, I'm taking a call!" The president of the Ilian Region Imperial Central Bank smiled apologetically, stood up and walked to his desk, picked up the phone and put it to his ear. He didn't speak, he just used "um" and "ok" to complete the entire call. After he put down the phone, he walked to the small sofa group where the guests were sitting and sat down, and handed Dulin a cigarette.
As a super-large customer with tens of millions of deposits in the Imperial Central Bank, James, the branch president of Ilian, really treated Du Lin as his master. Every holiday, he would arrange for a sweet-looking female receptionist to give Dulin some gifts or invite him to participate in activities organized by the bank.
If you think of the empire as a person, then the banks are the blood vessels everywhere in the human body, and the rich and the money in their pockets are the blood.
This time Du Lin came to the bank here because he considered that there might be a large amount of cash coming in and out of the bank, so he had to communicate with James, the president of the branch here, in advance. The Imperial Central Bank has been implementing a margin system. The Ilian region is considered a developed area, between first-tier cities and second-tier cities. According to the central bank's classification, it is a second-tier bank. The cash flowing in the bank plus margin must be equal to 50% of the total amount deposited by depositors in the Ilian area on the settlement date, which is about 50 million, maybe a little more, maybe a little less.
The reason why it is not 100% is because the central bank has the ability and confidence to suppress those large depositors and persuade them to give up the idea of running on each other that hurts each other's feelings. As for other "retail investors", even if they are added together, they cannot shake the margins of secondary banks. . This system has been implemented for hundreds of years without any problems, so this somewhat outdated plan is still being implemented to this day.
Of course, in order to face some problems that may arise, the Imperial Bank has also formulated another set of rules, that is, the entry of large amounts must be communicated in advance. Whether you are saving or withdrawing money, you must first communicate with the bank, especially when withdrawing money. Without advance notice, banks have the right to refuse depositors to withdraw their deposits, even if the money does not belong to the bank.
When James heard that Dulin might make big moves recently, he complained a little in his heart. If the money does not eventually come back, then his year-end performance will not be very good, because he "lost" tens of millions of cash to the bank. Yes, it's a loss, nothing else. The money deposited by depositors in the bank is not put in the bank as they say, but used by the bank for investment or loans. Suddenly withdrawing 10 million means that it will be withdrawn in a certain place and a certain period of time. There is a project with a capital of about 10 million that will be temporarily shelved. For this reason, the bank will lose a foreseeable "profit".
Since there is a loss, someone must be responsible for it, and the responsible person is James.
"Can I ask where you want to use this money?" James took the initiative to ask his secretary to peel two apples and cut them into wedges. He pushed the fruit plate close to Dulin, with a smile on his face. There are wrinkles all squeezed out.
If this money will flow into the imperial central banks in other regions, his responsibility will be lighter. At most, it will be a verbal criticism. He needs to figure out this situation.
Du Lin had nothing to hide, so he said it directly, "I plan to increase investment in theater construction. I think you must have heard of the news that has been circulating recently." Du Lin looked a little conceited as he said this. He chuckled, "My contact with the George family seems to be quite smooth. In order to strive for more benefits, so..."
James has heard about this. Trust companies in any field are the most respected customers of the Imperial Bank. If Dulin can really do this, then the head office will most likely upgrade Dulin's customer level authority to the highest level. The customer level is not announced to the public. Only some people within the bank know that if Dulin's customer level can be raised to the highest level, it means that he can take tens of millions from the bank without any collateral in the future. loan.
The smile on James's face became even brighter. He even asked very thoughtfully, "Do you need a loan? For excellent customers like you, we will provide large low-interest loans. I think this will be more helpful." You make meritorious deeds on the 'battlefield'."
Du Lin shook his head. He took a toothpick and pierced an apple wedge and stuffed it into his mouth. "When I feel it's not enough, I will definitely let you know." As he said this, he patted his trouser legs and stood up. He took off his round hat and said, "Okay, it's time for me to say goodbye."
"I'll send you off!"
James stood at the door of the bank and watched respectfully as Dulin's car disappeared into the street. He grinned and took a breath. He raised his watch and looked at the time. Instead of returning to the bank's office, he drove directly to the bank's office. In a slightly remote barbecue restaurant in the third district. This barbecue restaurant called Demari Beef Tendon is quite famous. Local people who like to eat beef know this small restaurant.
In fact, the main customers of this store have never been rich people, and beef tendons are not the most suitable part for barbecue, so their customers are those from the middle and lower classes. Perhaps the owner of this store, like many other store owners, has thought about his products and mainstream consumer groups before opening the store, but some unforeseen accidents always occur during the operation process, such as grilled beef tendons. Inexplicably very popular in Ilian.
In order to cater to the market, the owner of Demari's Beef Tendon expanded his store and added a second floor to entertain distinguished guests.
In a cubicle on the second floor, James found Juan.
Juan is playing with the beef on the plate. There are a lot of tendons on these beef tendons. People don't like to eat this kind of thing, not to mention that these tendons are more difficult to chew after grilling. If this kind of thing were placed in the south or north, it would definitely be eaten by the poor, but in Ilian, most people like to eat it.
"This damn weather!" James, who had just got out of the car, couldn't stand the stuffy heat in the room. He touched the wall and found that it was not as cold as he thought. He couldn't help complaining, "Next time, you have to change places. It’s only suitable to come here in winter.”
Juan smiled and said nothing. He pointed to the chair opposite and asked James to sit down. The two of them quickly devoted their energy to the hot beef shank. This beef can only be eaten when it is hot. When it is slightly cold, it tastes like biting a tire. The two of them fought for a while before destroying six pounds of beef tendon. After taking a satisfied sip of scented tea, their whole bodies became... Be satisfied.
James and Juan were old acquaintances, and there was no sense of strangeness or distance between them. James picked his teeth and asked, "I have eaten and drank tea. Now I can know why you called me here." Do you want to tell me?"
Juan didn't hide anything and said directly: "I want a loan!"
"Loan?" James stopped making small movements. He looked at Juan in surprise and almost asked him if he was sick. Juan still has more than four million yuan in the bank, but he still wants a loan? This means that what he needs is not three to five million or one or two million, but more.
To be honest, if someone wants a loan and the amount is huge, James should be happy. For example, if he takes the initiative to talk to Dulin about it, but Juan says he is not so happy about the loan, because they have been friends for many years, and he knows There are risks involved.
Once Juan is overdue for even a second, the ownership of all his collateral will be transferred, which is equivalent to him selling his property to the bank at a relatively low price. For a customer like Juan, the bank will give him 80% of the price of the collateral. In fact, this 80% will be reduced by a certain amount. At most, it will only be 75%. If it is less than 80%, it will be 75%. Seventy-two, this is the bank's rule.
Banks generally price things worth one hundred yuan at a maximum of not more than ninety-two yuan after evaluation, and then calculate 80% of the price, which is more than seventy-three yuan. But if Juan wants to redeem these properties, he will have to pay at least about ninety to one hundred yuan for it, and he may not even get it back in the end. Many people who take out huge loans find it difficult to redeem their belongings in the end. Not all investment projects can be cashed out quickly under the rolling interest rate.
This is a big gamble, using your family property to bet on the future!
Thinking of this, James shook his head and said with a smile: "I offer loans to others and others don't want them, but people I don't want to offer them come to me... Okay, how much do you want?"
Juan keenly captured the meaning of what James said. He knew that the loan James was talking about was definitely not a small loan of hundreds or thousands. The one that could be compared with him was definitely an equally astonishing figure. He couldn't help but ask: "Who are you talking about?"
James hesitated for a moment, but decided to reveal it to Juan, because this matter was indeed related to Juan, "It's Dulin. When you called, he was communicating with me about his plan to withdraw money. I tried to sell him I tried to apply for a loan, but he rejected me.”
"Can I know how much money he's taking away this time?"
James shook his head, "I'm telling you this has violated the bank's regulations, so...", he shrugged, "It's just an astonishing amount anyway."
Juan fell into silence. Of course he knew why Dulin suddenly wanted to withdraw all the deposits, because the George family relented. It is said that someone will come to discuss cooperation with them soon, and by the way, they will also inspect what they have. those theater chains. There are no fools in this world. Why do people believe you when you say you have more than 100 movie theaters in your hands? The more important the matter, the stricter the scrutiny in all aspects.
Just like this discussion about cooperation, it had been a week since Dulin proposed the idea before they made a decision, which is enough to show how cautious these people were about this matter.
Thinking of this, Juan held his breath in his chest and asked in a low voice: "How much do you think my bar and workshop are worth?"
(End of chapter)