She paused, picking up the document and handing it closer.
A hint of seriousness appeared in her eyes. "So, CMB has been working on this competitive preferential plan for the past few days. As soon as it was finalized, my uncle urged me to bring it over immediately."
Jiang Cheng took the document but didn't open it. He just looked at her. "Then what do you think of your plan? What kind of favorable terms can you offer that others can't?"
Although the system had rewarded him with a plot of land worth 13.61 billion yuan.
It hadn't rewarded him with construction funds.
According to Chen Xueer's previous estimate, building a 200-meter landmark building would require at least 5 billion yuan in funding.
A project of this scale would take three to four years to complete.
For such a large project, the construction period would be at least three or four years.
It wasn't worth betting all the cash flow on it.
When doing construction projects, it was only natural to take advantage of the banks.
Zhu Yan fell silent for a few seconds.
Her voice softened slightly. "The plan is in your hands; you'll see it more clearly if you read it yourself."
She looked up into Jiang Cheng's eyes, her tone carrying a trace of imperceptible caution. "Actually... I don't really want to get involved in this project."
Jiang Cheng understood instantly.
Zhu Yan was afraid he would think she had come with an agenda this time.
After all, securing this deal would undoubtedly be a heavy stepping stone for her promotion path at CMB.
She would rather avoid this "benefit" than let their relationship be tainted by too much business.
She pushed Jiang Cheng's hands slightly, gesturing for him to look at the document on the table.
Jiang Cheng's fingertips rested on the cover of the document. He looked up at Zhu Yan, his tone carrying a sense of professional discussion.
"It's fine, I'm too lazy to read it. I just want to know, if you really secure this multi-billion yuan loan, how much practical benefit will it bring to your bank? With so many banks eyeing it, where is your core advantage?"
Hearing this, Zhu Yan set aside her previous mindset and adopted a professional posture to answer.
"A corporate loan of six or seven billion yuan first brings a scale effect for the bank. Securing this deal from Xingchen will directly increase the proportion of our bank's annual corporate loan total. In the head office's assessment, meeting the scale target is the foundation; if exceeded, the branch can receive significantly more annual resource allocation. Especially for the two hard indicators, 'Proportion of High-Quality Corporate Clients' and 'Growth Rate of Fee-Based Business Income,' with this Xingchen deal, we'll likely hit the top three in the entire bank."
She paused and continued, "Secondly, there's the comprehensive return. On the surface, it's interest, but for a leading enterprise like Xingchen, subsequent capital settlement, employee wealth management, and even the settlement of fees for imported building materials and overseas design teams involved in the project—these foreign exchange businesses will likely prioritize cooperation with us. Your project has a long construction period; we can lock in the settlement and sale exchange rate for six months, helping you avoid exchange rate fluctuation risks. The profits from these fee-based businesses combined might be even more substantial than the simple loan interest."
Hearing this, Jiang Cheng nodded.
Since the establishment of Xingchen Investment.
Chen Xueer had been handling these matters on his behalf.
Although all his funds were currently deposited in CMB.
But Jiang Cheng also understood the principle of not putting all his eggs in one basket.
Naturally, the company's other banking businesses weren't all handled by CMB.
Seeing Jiang Cheng gesturing for her to continue while listening attentively.
Zhu Yan continued, "Furthermore, this project is a Shanghai landmark. Once completed, it will become an industry case study. When discussing cooperation with other large enterprises in the future, this will be the best 'business card' for our bank."
"As for our advantages... to be honest, I'm a bit lacking in confidence. After all, Xingchen has developed too quickly in the past six months, just having acquired shares in Pinduoduo a couple of days ago. According to my uncle, Xingchen's investment rating is ridiculously high, and you're bound to make a fortune in the coming years."
She paused and added, "However, our bank has special policies for landmark projects. Within the scope of compliance, the interest rate can be 10-15 basis points lower than the industry average, and the repayment period can be extended to the construction period plus a three-year grace period. This is what my uncle asked me to emphasize."
"Moreover, your personal account transactions and the company's early deposit records with our bank are complete, so the approval process can be at least 20 days faster than other banks. We don't expect to handle all your business; we just hope this deal makes you feel it's 'convenient and worry-free'."
Zhu Yan spoke very honestly.
For a company like Xingchen with stable credit and cash flow, the preferential plans CMB could offer could naturally be matched by other large banks.
Therefore, it didn't make much difference who he chose.
It just depended on who Jiang Cheng wanted to give this cooperation opportunity to.