My Strength Does Not Allow Me to Low-key

Sanchen Ranch is located in another ravine not far from the winery that Xiao Feng bought, and the area is a bit larger than that of the winery.

　　 To the north of Bincheng is the remaining foothills of the Baitou Mountain Range, with many mountains, and there are many such valleys sandwiched between mountains.

　　Because it is the foothills of the mountains, the mountain is 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 slopes are not steep.

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

"It covers an area of ​​about eight square kilometers. The mountains on both sides and the valley in the middle are counted. Look at the front and back passes, the fences have been repaired, so there is a natural pasture. Look at the lawn in the middle valley. It has been repaired, and there are a few creeks left by the mountains, 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 think of the current funds? If something goes wrong, the later construction of this ranch will be unsustainable. They have invested 100 million yuan here before, buying land, leveling roads, planting pastures, building warehouses, houses for livestock, and managers living in them. The premises and so on..."

　　 Governor Feng is obviously familiar with this place, and while taking Xiao Feng to visit it, he will introduce it to him.

Xiao Feng listened and watched. It is true that the pasture has been constructed in the early stage. The areas on both sides of the valley **** below 30 degrees are all planted with pasture, while the valley in the middle is all paved with that kind of green. lawn.

　　 This kind of lawn is more like a stadium, and the kind of lawn on a golf course is not like grass for feeding cows. It can be seen that there is indeed a plan to travel before.

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

　　The cowshed and feed warehouse were built in the southeast corner, but the inside was empty and there was no cow.

　　 There are also a few unfinished construction sites, such as staff dormitories, etc. It can be seen that work has indeed been stopped due to lack of funds.

　　 "How old is the land use right here?"

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

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

　　 "Then how much do you plan to ask for?"

　　 Xiao Feng didn't go around with Feng Xingchang anymore. He saw the ranch and he was quite satisfied, so let's talk about the price.

　　 Xiao Feng was so direct, Feng Xingchang felt ecstatic in his heart. He originally thought that this guy would have to go around a few times with himself.

"Well, I do not hide it from you. The funds that Sanchen Dairy invested in this project were actually brought from us. They invested a total of 120 million yuan in the previous period. Now they have something wrong, they have paid this ranch to the farm. We, our asking price is not high, one hundred million, even the attachments on the ground, what do you think of Mr. Xiao?"

　　 Xiao Feng raised his eyebrows when he heard it. This old Feng is really not authentic!

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

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

　　 Sanchen spent 120 million yuan here. This money is definitely not all bank money. There must be a part of their self-investment funds, and then the bank allocated a part of the funds to them, which is estimated to be tens of millions.

　　 And now this guy actually asks one hundred million from himself, so he can earn tens of millions when he changes hands! Doesn't this take yourself as a fool?

　　Besides, when they loaned Sanchen Dairy, the handling fee must be charged, right? And before that, I also charged a lot of interest from Sanchen, right?

　　 Just because of the fees and interest, it is estimated that they have made millions, or even tens of millions. Now they are going to kill themselves again? This group of guys are really black!

　　 No wonder the most profitable companies in the country are banks! It's so bad to be called a black hand. Whether you are an acquaintance or not, you will be given a cut!

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

　　 "President Feng, you look at me?"

"Ok?"

　　 President Feng’s request to Xiao Feng was a bit confuse, what do you mean?

　　 "You are taking a closer look at me, where do you think I look like a fool?"

　　 President Feng can only scratch his head and smile. It seems that he underestimated this young man. He thought that this young man made the fast food chain a great success, earning hundreds of millions of dollars.

　　 So I sang him a few words, and then I was fooling around, buying this ranch at a good price, it shouldn’t be a problem, but now it seems that I still think too simple.

　　If you can do such a big business, you can't treat him like an ordinary young man. How many people are fools who do such a big business?

　　 Although the price of this ranch was set by his superiors, how could he not be clear about the trickyness of it?

　　 But he is also a thick-faced old rivers and lakes, and he quickly threw the embarrassment behind his head, asking for prices, paying back the money, doing business, that's not it!

　　 "Well, Mr. Xiao, this price can of course be negotiated."

　　 Seeing Xiao Feng still not speaking, President Feng was anxious and couldn't help reminding him, while Xiao Feng looked at President Feng with a smile, and then said.

　　 "If this is the case, then I pay 50 million, can you think that's okay?"

"what?"

　　 Feng Xing's mouth was long and wide. It's right for my brother to pay the money when he landed on the ground, but he shouldn't be so cruel. You are taking a stab at it!

　　Actually, in this ranch, Sanchen Dairy invested 40 million yuan on its own. Binhai Bank has allocated 80 million yuan to them, but they have already collected 7 or 8 million in handling fees and interest.

　　 Now that the operation of Sanchen is difficult, this ranch must be unsustainable. In order to avoid bad debts, Binhai Bank took the first step and took this ranch.

　　 In fact, considering that they have already charged seven or eight million in handling fees and interest before, they only have to sell this ranch for 72 million, and it is not a loss, but isn't President Feng helping the bank to maximize the benefits?

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

"Um... Brother... We are not going to the wholesale market to buy things, we can't cut it in half! Look at such a large pasture, land, three links, and infrastructure construction are basically completed, only a few employees are left. The house doesn’t cost much money, just add some cattle and sheep to it and it can be operated directly. Almost all the pastures are ready-made, and the service life is still 29 years, so if you pay 50 million, don’t you? Is it a bit too low?"

　　 President Feng was crying, and we really have something to discuss, little brother.

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

　　 Even if it can be found, it will 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 involving people's livelihood. The dairy industry has inherently meagre profits and very high competition, plus the commanding heights in the circle. , Has long been monopolized by the two major domestic giants and old brands everywhere, and outsiders are simply reluctant to intervene in this market.

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

　　 So now there are really not many people who can help Binhai Bank to solve their immediate needs, and they are just one.

　　 And he also has a few classmates who are in the financial industry, he is very clear about the bank's disposal of non-performing assets.

　　Different banks have different asset preservation ratios, that is, after the loan is out, if the other party does not do well, it will only be used to repay the debt with mortgage assets.

Then these assets are regarded as non-performing assets. When they are disposed of, if they can recover 70% of the assets, they will be disposed of successfully. After all, this is better than not recovering a penny. The bank can still recover 30% of the loss. Affordable.

　　 Therefore, the price of this ranch must of course be severely suppressed~www.ltnovel.com~ The other party is asking for 100 million, and his price is 70 million.

"Then President Feng, how much do you say is appropriate? A quotation of 100 million, so you don’t need to mention it again? If you are mentioning an outrageous number, I will go back. In fact, this ranch is really good for me. Dispensable."

　　 President Feng suddenly panicked when he heard these words: "Uh, or else you can give me another price. It is raising a little bit. Fifty million is really too low."

But although he is anxious, this guy is also an old fritters. Anyway, he won’t take the initiative to make an offer. Who knows what price is appropriate. If Xiao Feng is irritated, it’s not good. If you can't do it, then the gain will not pay off.

　　 "Six million, that's interesting enough, I'll add 10 million to you."

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

　　 Seeing that Xiao Feng is willing to increase the price, it means that there is still talk. At this time, President Feng will not go around the circle and directly quote the lowest price, which is acceptable to the bank.

　　 80 million was loaned out, and the ranch recovered 70 million. The handling fee and interest collected before was more than 7 million, and the bank lost more than 2 million inside and outside. This is still acceptable.

　　 Moreover, President Feng has done a good job in disposing of non-performing assets, and he won’t receive less bonuses at the end of the year. As for the back-to-back, of course the people who gave out loans.

　　 This price is just in line with Xiao Feng’s psychological expectations, so he is no longer working with the president Feng: “That’s it, that’s it, you have prepared the contract and the formalities later, let’s transfer the account first and pay later.”