Cosma Empire

"I'm sorry, I'm answering a call!" The governor of the Imperial Central Bank of the Irian region smiled apologetically, stood up and walked to the desk, picked up the phone and put it in his ear. He didn't speak, but just finished the whole call with "um" and "ok". After he put down the phone, he went to the small sofa group for the reception and sat down, and handed Du Lin a cigarette.

As a super customer with tens of millions of deposits in the Imperial Central Bank, James, the branch president on Illian's side, really treated Du Lin as a god. Every festival, he would arrange for a sweet-looking female receptionist to deliver some gifts to Du Lin, or invite him to participate in activities held by the bank.

If the empire is regarded as a person, then the bank is the blood vessel that runs through every part of 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 in and out of the bank in the future, so he had to communicate with James, the president of the branch here, in advance. The Imperial Central Bank has been implementing the margin system. The Irian region is considered a developed area, between the first-tier cities and the second-tier cities. According to the central bank's division, it is also a second-tier bank. The cash and margin circulating in the bank must be equal to 50% of the total amount deposited by depositors in the Irian 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 ​​hurting each other's feelings. As for other "retail investors", even if they add up, they cannot shake the margin of the secondary bank . This system has been implemented for hundreds of years without any problems, so this somewhat old-fashioned plan is still implemented today.

Of course, in order to face some problems that may arise, the Imperial Central Bank has also formulated another set of rules, that is, the entry of large amounts of money must be communicated in advance. Whether it is saving or withdrawing, you must first greet the bank, especially withdrawing. If there is no advance notice, the bank has the right to refuse depositors to withdraw their deposits in the bank, even if the money does not belong to the bank.

When James heard that Dooling might make a big move recently, he complained a little in his heart. If the money doesn't come back in the end, his year-end results won't be too good, because he "lost" the bank tens of millions in cash. Yes, a loss, nothing else. The money deposited by the depositors in the bank is not put in the bank as they say, but is used by the bank for investment or loans. Suddenly, 10 million is withdrawn, which means that in a certain place, in a certain period of time, There is a project with about 10 million funds that needs to be temporarily put on hold, for which the bank will lose a foreseeable "profit".

Since there is a loss, someone must be responsible for it, and the person responsible is James.

"May I ask, what do you want to use the money for?", James took the initiative to ask the secretary to peel two apples for them and cut them into slices. He pushed the fruit plate to a place close to Durin, with a smile on his face All squeezed out a wrinkle.

If this money will flow to the Reichsbank in other regions,

His responsibility will be lighter, at most it will be a verbal criticism, and he needs to figure out the situation.

Du Lin had nothing to hide, so he said it directly, "I plan to increase investment in the construction of theaters. I think you should have heard the news that has been circulating recently." Du Lin looked a little conceited as he spoke He laughed lightly, "My contact with the George family seems to be quite smooth, in order to strive for more benefits, so..."

James has heard about this matter. Trust companies in any field are the most respected customers of the Imperial Central Bank. If During can really do this, then the head office is very likely to raise During's customer level authority to the highest level. The customer's level is not announced to the public, only some people inside the bank know that if Du Lin's customer level can be raised to the highest level, it means that in the future he can take tens of millions of dollars from the bank without any collateral. loan.

The smile on James' face was even brighter, and he even asked very intimately, "Do you need a loan? For an excellent customer like you, we will provide a large amount of low-interest loans, which I think will be more helpful You made your mark on the 'battlefield'."

Du Lin shook his head. He took a toothpick and put an apple petal into his mouth, "When I think it's not enough, I will definitely let you know." He patted his trouser legs and stood up, getting off the hanger He took away his round hat, "Okay, it's time for me to say goodbye."

"I'll send you off!"

James stood at the door of the bank and watched Du Lin's car disappear into the street respectfully. He grinned and took a breath, raised his watch to check the time, and instead of going back to the bank's office, he drove directly to In a slightly remote barbecue restaurant in the third district. This barbecue shop called Demari veal tendon is quite famous, and everyone who likes beef in the local area knows this small shop.

In fact, the main customers of this restaurant have never been rich people, and beef tendon is not the most suitable part for barbecue, so their customers are the middle and low class. Maybe the owner of this store, like many others, has thought about his products and mainstream consumers before opening the store, but there are always some unforeseen accidents in the process of operation, such as roast beef tendon Inexplicably popular in Illian.

In order to cater to the market, the owner of the de Mali calf tendon expanded the store and added a second floor to entertain distinguished guests.

In a cubicle on the second floor, James found Juan.

Juan was fiddling with the beef on the plate. There were a lot of tendons on these tendons. People didn't like to eat this kind of thing, not to mention that these tendons were even more difficult to chew after grilling. If this kind of thing is placed in the south or north, it will definitely be eaten by the poor, but in Illian, most people love to eat it.

"This damn weather!" James, who had just got out of the car, couldn't stand the stuffy environment in the room. He touched the wall, and it wasn't as cold as he imagined, and he couldn't help complaining, "Next time you have to change the place, It's only suitable for winter here."

Juan smiled and didn't say anything. He pointed to the opposite chair for James to sit down, and the two quickly put their energy into the hot beef tendon. These beef can only be eaten when it is hot, and it tastes like biting a tire when it is slightly cold. The two fought for a long time before they wiped out the six pounds of beef tendon. be satisfied.

James and Juan are old acquaintances, and there is no sense of strangeness or distance. James asked while picking his teeth, "I ate food and drank tea. Now I can know why you called me here. Want to talk to me?"

Juan didn't hide it, 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 4 million yuan in the bank, so he still wants to take out a loan? This means that what he needs is not three to five million or one or two million, but more.

To be honest, James should be happy if someone wants to take out a loan and the amount is huge. For example, he took the initiative to talk to Dooling about it, but Juan said he was not so happy to ask for a loan, because they have been friends for many years, and he knows The risks here.

Once Juan is even a second past due, the ownership of all his collateral will be transferred, which is equivalent to selling his property to the bank at a relatively cheap price. For a customer like Juan, the bank will give him 80% of the price of the collateral. In fact, this 80% will shrink by a part, up to 75%. Seventy-two, this is the bank's rule.

The value of one hundred yuan is usually priced at a maximum of ninety-two yuan by banks after evaluation, and then 80% of the price is calculated, which is more than seventy-three yuan. But if Juan wants to redeem these properties, he will have to pay at least ninety to one hundred yuan for it, and even he will not get it back in the end. Many people find it difficult to redeem their own things after making huge loans. Not all investment projects can be quickly realized under the rolling of huge interest.

This is a big gamble, using one's own property to gamble on a future!

Thinking of this, James shook his head and said with a smile: "I recommend loans to others and others don't want them, but the people I don't want to recommend come to me...Okay, how much do you want?"

Juan keenly grasped the meaning of what James said. He knew that the loans James mentioned were definitely not small loans of hundreds or thousands. What could be compared with him was definitely an equally astonishing number. He couldn't help asking: "Who are you talking about?"

James hesitated for a while, but decided to disclose it to Juan, because this matter is indeed related to Juan, "It's Doolin, he was communicating with me about withdrawing money when you called, and I tried to sell him I tried the loan business, but was rejected by him.”

"May I know how much money he wants to take away this time?"

James shook his head, "I told you that this matter has violated the bank's regulations, so...", he shrugged, "Anyway, it's an astonishing amount."

Juan fell into silence. Of course he knew why Durin suddenly wanted to withdraw all the deposits, because the George family let go. It is said that someone will come to discuss cooperation with them soon, and by the way, they will also check what they have. those theaters. There will be no fools in this world. If you say you have more than one hundred movie theaters in your hands, do you have to believe it? The more important the matter, the stricter the scrutiny of all aspects.

Just like the discussion of cooperation this time, it has been a week since Du Lin proposed this idea before they made a decision, which is enough to show that these people are cautious 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?"