"President Jiang, please rest assured. The modification plan submitted by Zhu Yan has already passed three rounds of review in our branch, and we are currently optimizing the details. To win this project, we have prepared a 'Triple-Excellence Plan,' which is absolutely the most professional and favorable configuration we can offer at the moment."
After a brief pause, he immediately pulled out a plan booklet with a gold-embossed cover from his briefcase.
He pushed it toward Jiang Cheng and began explaining point by point.
"First is the Excellent Interest Rate. We have abandoned the standard 5% markup for regular infrastructure projects and applied for a 'Strategic Client Rate' specially approved by the head office. The annualized interest rate is directly compressed to 3.2%, which is at least 0.3 percentage points lower than similar loans from other banks on the market. Based on a 6 billion principal and a 15-year repayment period, the interest alone can save you nearly 300 million."
"Second is the Excellent Repayment Method. Considering that landmark projects require large initial investments and have long payback cycles, we designed a '5-year interest-only, 10-year equal principal and interest' model. For the first five years, you only need to pay 192 million in interest annually, which can greatly reduce early capital pressure; moreover, if funds are recovered in the interim, you can apply for 'early repayment without penalty,' providing maximum flexibility."
"Third is the Excellent Additional Services. As long as CMB can win this loan, we will not only establish a dedicated 'Project Service Group' equipped with special consultants in investment banking, risk control, and legal affairs to follow up on capital scheduling and compliance audits throughout the project construction."
"We can also link up with CMB's wealth management department to provide resource connections for the later stages of the project's investment promotion and operation—for example, helping you introduce top-tier commercial management companies, or even prioritizing recommendations to CMB's high-net-worth clients to help the landmark project quickly gain momentum."
Xu Lei spoke with increasing confidence, his finger pointing at the 'Risk Hedging' chapter of the plan booklet as he added more.
"In addition, we have also considered uncertain factors such as fluctuations in construction material prices and policy adjustments, and have added an 'Interest Rate Dynamic Adjustment Protection Clause' to the plan."
"In the next 5 years, if the People's Bank of China's benchmark interest rate rises by more than 1%, we will only rise by 0.5% synchronously; if the benchmark interest rate is lowered, we will lower it synchronously in full, helping you lock in costs to the maximum extent."
"President Jiang, CMB has shown the greatest sincerity with this plan, all for the sake of long-term binding with your group to turn this landmark project into a city business card together."
Just as Xu Lei finished introducing the plan, there was a gentle knock on the private room door.
Guided by the Waitress, Zhu Yan pushed the door open and walked in.
Her gaze first swept over the table full of exquisite dishes, then landed on Jiang Cheng.
A sweet smile immediately bloomed on her face as she walked forward with light steps: "President Jiang, Bank Manager Xu?"
Seeing Zhu Yan suddenly appear here, Xu Lei's hand holding the wine glass paused almost imperceptibly.
A flash of displeasure quickly flickered in the depths of his eyes.
This displeasure wasn't because of her sudden intrusion, but because Zhu Yan had come too early.
He had specially arranged this gathering today, bringing Lin Weiwei and Su Xiaoran behind Zhu Yan's back, originally intending to keep an extra "backup plan."
In his view, the 6-billion-yuan landmark loan project was simply too large to be staked solely on Zhu Yan.
After all, she still hadn't managed to close the deal on the project.
It wasn't that he wouldn't help Zhu Yan, but rather that he wasn't willing to give up CMB's chance to win a major project just to support her.
"How did you end up coming over?"
His fingertip lightly traced the edge of the bone china plate, his gaze sweeping over Xu Lei as he added, "Zhu Yan is my personal assistant. For such an important project meeting, it would be inappropriate for her not to be present."
After speaking, Jiang Cheng motioned for her to sit in the seat next to him.
She felt the atmosphere in the private room instantly become a bit off.
Only then did Zhu Yan glance at Lin Weiwei and Su Xiaoran on the side.
The former's red dress was eye-catching, while the latter's light blue qipao was gentle; the outfits of both women were clearly meticulously prepared.
Zhu Yan understood in an instant.
Her uncle didn't let her come today; could it be that he wanted these two people to take her place?
Thinking this, her fingers gripping her skirt tightened quietly, and the tip of her nose felt a bit sour.
Before Xu Lei's displeasure could be hidden, Jiang Cheng had already looked up, his tone flat but carrying an unquestionable certainty: "I asked her to come."
Just as Zhu Yan's emotions were surging, Jiang Cheng's words were like The Sea Calming Divine Needle, making her breathe a sudden sigh of relief.
Her heart felt both warm and aching.
With two such beauties sitting in front of him, Jiang Cheng had actually gone out of his way to send her a message to come over.
Zhu Yan: favorability value +5!
Upon seeing the favorability value rise, Jiang Cheng's pupils instantly dilated slightly.
At the same time, the system's voice rang out with a "ding."
"Ding! Since Zhu Yan's favorability value toward the Host has reached 99 points, the [Never Part Ways Until Death] title has been unlocked. The Host has received a special reward gift pack. Would the Host like to open it?"
Seeing this, Jiang Cheng quickly clicked to open it.
"Ding! Congratulations to the Host for obtaining the 'Financial Insight Eye' skill."
[Upon activating this skill, the Host can instantly see through potential risks and key opportunities in any financial data, reports, or contracts. For example, the Host can directly point out interest rate traps and repayment clause loopholes hidden in various financial plans, accurately locate the most valuable investment points of a project, always maintain the initiative in complex financial negotiations, and provide a penetrating analysis of any financial issue.]
"Ding! Congratulations to the Host for obtaining one special 'Special Gepi Card'."
Looking at this Financial Insight Eye...
Jiang Cheng glanced sideways at Zhu Yan beside him, a faint, almost imperceptible curve playing at the corners of his mouth.
It seemed that being a "good man" truly did pay off.
If he hadn't asked Zhu Yan to come just now...
Zhu Yan wouldn't have increased her favorability value toward him to 99 points so quickly, right?
Now with this skill, it was equivalent to being able to avoid many pitfalls even if Chen Xueer and Zhao Linger weren't by his side, relying on Jiang Cheng's own skill.
As for the special 'Special Gepi Card,' there was even less to say.
He was just short of money to spend.
Getting billions just by 'dropping dead' for a moment was truly satisfying and wonderful.
Hearing Jiang Cheng's words, Xu Lei's pupils suddenly shrank, and that bit of displeasure from earlier vanished instantly, replaced by surprise and relief.
He had originally thought Zhu Yan had barged in recklessly, but he didn't expect Jiang Cheng had invited her specially!
As Zhu Yan's biological uncle, seeing Jiang Cheng value her so much was more effective than any number of "backups" he could arrange.
Xu Lei immediately put down his wine glass, laughing loudly as he smoothed things over.
"Oh, President Jiang, your words really hit home! I had originally asked Zhu Yan to come over early, but who would have thought a sudden urgent reconciliation matter popped up at the branch? Since I wasn't there, I could only let her handle it first. It was my lack of consideration; I forgot to mention it to you!"