My rebirth is different

Page 164

After the narration, Yu Wenfei showed his ID card, the publishing agency contract he had signed with the Commercial Printing House, and of course his bank deposit certificate.

After seeking Yu Wenfei's consent, Manager Luo verified the authenticity of the relevant information and made a copy.

"Mr. Yu Wenfei, please understand that this matter has exceeded my scope of authority. I need to report to my superiors. In addition, I need the risk control department to conduct relevant investigations and give opinions. Therefore, I can only talk about this today. Of course, I will urge the relevant departments to hurry up."

Yu Wenfei expressed his understanding, and took Zhou Mengyi back to the hotel.

As soon as she left the gate of the office building, Zhou Mengyi asked worriedly: "Is this reliable? I feel that the bank is very cautious in doing things, and it may not be..."

"No, I understand these commercial banks, as long as it is profitable, they will not give up!"

Yu Wenfei said confidently.

This is the difference between commercial banks and state-owned banks.

Although both pay attention to risk control, there are special circumstances that allow them to temporarily put down risk control.

For state-owned banks, power allows them to ignore any risks.

For commercial banks, large enough profits can also allow them to put risk control in the second place.

Yu Wenfei has no power, but he can give enough temptations and profits.

……

Hang Seng Bank's work efficiency is really high. It only took one day for their risk control department to investigate Yu Wenfei's details and give out an evaluation report.

In the report, the risk control department expressed optimistically but cautiously, given Yu Wenfei's current status in the domestic literary world, especially in the hearts of boys and girls.

After the publication of his second book, the sales volume of his first book will not be lower than that of the first one.

In other words, in the next year, Yu Wenfei expects to have an income of 3000 million to 5000 million.

This includes royalties for new books and subsequent royalties for old books.

But even so, the risk of this loan is still huge, because it means that Yu Wenfei can only take out a maximum of 8000 million, or at least 5000 million as a down payment, and the bank needs a loan of more than [-] million!

In view of the current market situation in Xiangjiang, even if the price of the store remains strong, the market value of this store will probably not rise in the next year, and may even drop by at most about [-]%.

In this way, once Yu Wenfei fails to repay the loan, the bank will take back the store, and it will still be insolvent!

The final conclusion is that this business is not recommended...

If the bank doesn't lend money, then Yu Wenfei's plan to buy a store can only be given up, because he has no other way to raise so much money.

The situation is critical, on the verge of extinction!

Chapter 141 It's Time to Show Your True Strength

"Mr. Yu Wenfei, I'm sorry..."

Manager Luo apologized, and gave a general overview of the assessment report of the bank's risk control department.

While talking, he carefully observed the young man in front of him, but he didn't see any disappointment on Yu Wenfei's face.

Yu Wenfei had already expected that the risk control would be difficult.

Now it's just the boots falling, not the worst.

He smiled and asked: "The risk control department believes that the biggest risk is that my income will not meet my expected income within a year. To go deeper, once I cut off the supply, I will be like many people in Xiangjiang. It becomes a negative asset, and even if the shop mortgaged by the bank is auctioned, it can't be worth the debt I owe, right?"

Now that the words are out of the way, Manager Luo didn't hide anything, and nodded frankly, "Yes, that's the way our bank's risk control department thinks, so there is no way to continue this business."

Yu Wenfei was not in a hurry, but stared at Manager Luo, and asked, "If, I mean, if, I can prove that I have the ability to withdraw [-] million in cash within a year, can this loan still be made?"

Manager Luo raised his eyebrows, this matter is interesting.

After seeing this boy, he still doesn't admit defeat. Could it be that he is really confident that he can make a fortune of 8000 million a year?

If this is the case, it really needs to re-evaluate the loan business, because the customer has proved his ability to repay the loan!

After thinking silently, Manager Luo still shook his head, "Sorry..."

Yu Wenfei stretched out his hand and interrupted him, "Is it still too risky?"

Manager Luo nodded.

Even if Yu Wenfei can take out [-] million in cash within a year, Hang Seng Bank will still provide [-] million in loans!

In case, although the probability is extremely low, the bank's risk control is like this, even if the probability is one in ten thousand, it must be considered.

In case Yuwenfei cuts off the supply after one year, and at the same time, the situation of Xiangjiang's real estate industry is still deteriorating, and the holidays continue to decline, then there is still a risk of insolvency.

That's not too much of a problem, because no one is going to joke about [-] million cash.

Manager Luo thought of another possibility, and that was the crux of the problem.

It is just Yu Wenfei's verbal promise to give out [-] million cash within a year, what if he can't give it out?

Thinking about it even worse, what if this is Yu Wenfei and the owner of the store joining hands to defraud the loan?

Although the shop is now asking for one billion yuan, it seems to be worth that much money.

But there is a price but no market!

In this case, it is also possible for the owner to find an "actor" and join hands to defraud the bank of a loan.

Because Yu Wenfei only has more than 2000 million yuan in his hands now, if this business is to be concluded, the bank will not only provide a loan of 7000 million yuan, but even the gap of more than [-] million yuan will be made up for him.

Calculated, it is more than 7000 million yuan to spend!

When the money is in hand, the boy disappears, and the owner gets the huge sum of money legally and reasonably. Even if the bank sues according to the law, the result is that the store will be taken back, so they have to sell it themselves, and it may not be possible to sell it.

The lending has become the owner, which is something that every bank does not want to see.

Looking at it this way, the risk control department will still not agree to this business.

In a bank, when large sums of money are involved, the opinion of the risk control department is very important and powerful.

Even if he, the senior manager of the credit department, has the right to speak, as long as the risk control department disagrees, it will be a one-vote veto, and it is useless for anyone to speak.

"If you can come up with [-] million cash at one time, then I am quite sure that this business will be done. Unfortunately, obviously you can't get it out. No matter how confident you are, the risk control department doesn't care about your confidence." , they only believe in the facts in front of them!"

Manager Luo emphasized.

Yu Wenfei's heart was sinking, and the worst situation he expected appeared.

The banks here really don't see the rabbits and don't scatter the eagles!