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Chapter 1247 Xia Wenyang's correct judgment on the interest rate

In the evening, a group of girls who were not good at alcohol consumption were fighting for alcohol, and Zeng Xiaoxiao was not good at alcohol consumption. In order to accompany these female princes of Su, Zhao Changan called Yang Yixin and Yue Lu and asked them to come and help.

Yang Yixin brought a female classmate Bi Qiongxian, Yue Lu brought Zhao Xiaoxiao, and Zeng Xiaoxiao saw that they were all calling her sisters, so he called her BP machine and called her little sisters Xu Shasha and Qiao Jing'er in her dormitory.

In Zeng Xiaoxiao's words, no matter whether you can drink it or not, your momentum cannot be weak!

The banquet was chosen for a five-star hotel. A group of girls drank brandy, and soon people were defeated. Su Da’s four female kings were indeed heroes of the restaurant, and they stood firm in the end.

So, Zhao Changan began to become a happy porter again.

Qiao Jing'er's body is slim and soft, Xu Sha is as tender as jade, Yang Yixin is light and thin, Bi Qiongxian's cherry mouth,—

Although Zhao Changan had the spirit of a gentleman and did not take advantage of their drunkenness, he also roughly knew the weight and shape of several girls.

At night, Zhao Changan and Zeng Xiaoxiao slept in the same room. They first took a shower for her, and then played with her gentleness for a while, which was a consolation.

The next morning, Zhao Changan drove Xu Shasha and Qiao Jing'er to Lin'an.

He met with Liu Cui and the others and continued to be flower protectors.

Last night, Jing Xiu attended Lin'an TV's New Year's Day party and sang the legendary theme song "Jiangnan". As a condition, the stage curtain was used to play the cosplay video of Legend 2.

In the three-minute singing, on the stage curtain, Qi Xiaoqin, Pang Mei, Tang Shuang, Jing Xiu, Zeng Xiaoxiao, Xia He, Zhou Qiao, Tang Qin, Zhao Chang'an, Zhong Lianwei, Sun Yiyang, and Su Xiangchen all appeared in the mountains, rivers, towers and pavilions in various special weapons, posing for dance or battle styles.

In this era, as a very serious TV party, it is impossible for the game to appear in the camera. However, Zhao Changan's attempt to hit the edge ball made those who don't quite understand think that this is the background picture of singing Jiangnan as a song.

Only netizens on the Internet know the game meaning implicitly in the game.

Of course, Lin'an TV Station is not stupid, and it is proposed that the TV station give Jing Xiu a 60,000 appearance fee, while the one-nanometer is to give the TV station a 60,000 advertising fee, which is a two-way offset.

Or if you want to enhance Jingxiu on the one-nanometer side, the TV station can offer you a 100,000 yuan or even higher appearance fee, and use this gimmick to increase Jingxiu's value.

However, after thinking about it, Zhao Changan denied this suggestion and proposed to sign a contract and offset each other directly. The advantage of doing so is to avoid falling into the tax trap.

At four o'clock in the afternoon, Liu Cui, Shan Cai, Jing Xiu, and they returned to Mingzhu. Dan Cai could not get on a car, so Zhao Changan booked a taxi.

Then he contacted Mi Xiaoyin and went to Yangmu Zhuhai.

Zhao Changan looked at the car, Mi Xiaoyin was sitting in the passenger seat, and her assistant drove her car with her.

It was almost six o'clock in the evening when I entered the bamboo sea. The sky was clear and clear. On the 26th night of the mid-winter of the lunar calendar, there was only a crescent moon like a thin eyebrows, and the sky was full of stars, and the starlight of the stars was even greater than the thin light of the crescent moon.

On the winding mountain road, there are dense bamboos on both sides. Fortunately, it is winter, the road surface is very quiet, and there are no unexpected small animals standing in the middle of the road and holding the headlights.

"Chang'an, you will start to intervene in the acquisition of Wenyang Group next month, right?"

Mi Xiaoyin suddenly started this topic.

The two have known each other for so long, and this is the first time she has mentioned this topic.

"I will go back to Shancheng around the 20th day of the twelfth lunar month. I will not leave if I complete the acquisition of Wenyang Group. Xia Wenyang has three large loans that expire, one of which is 60 million, and one of which is due on February 1st. However, during the Spring Festival, he could postpone it until February 16th, one of which is 1.2 billion, and one of which is 29th, and another one of which is due on March 10th, 30 million. The three sums together with principal and interest Wenyang Group needs to take out 2.2 billion. From one to March, he still needs to take out about 10 million of funds to repay private loans."

"Why are he all one year-long short-term loans?"

This mystery has always puzzled Mi Xiaoyin: "It takes two years from design to production of the cement plant project. No matter how confident he is, he should limit the loan term to three years."

"Sister Xiaoyin, you are a woman who is engaged in a big business with huge profits and quick turnover."

"You just say I am a person who is engaged in a short-term business with huge profits, short-term business, so why do you need to use fast in and out, and the key word "famous woman"?"

Mi Xiaoyin joked about Zhao Changan: "Did you feel so uncontrollably when you see your sister looking beautiful?"

"I have a thief heart, but no thief courage."

"That's right!"

Mi Xiaoyin smiled and said, "Keep it."

Having a thief heart proves Mi Xiaoyin's charm. She has no thief courage because she is a married woman and must be cautious in keeping with the etiquette of men and women.

"Xia Wenyang's three consecutive loans at the beginning of the year, the first one is 30 million yuan, the term of the loan is one and a half years, the interest rate is 9.0%, the second one is 60 million yuan, the term of the loan is one and the interest rate is 6.93%, the third one is 1.2 billion yuan, the term of the loan is one and a one-year loan, and the interest rate is 5.85%. If the current loan interest rate is a high-quality project and a loan of hundreds of millions, the interest rate can be 5.3%, or even lower. When Xia Wenyang talked about that point of 200 million last year, the interest rate should be 9.9%. If these two hundred million yuan is directly three years and one year before the loan is due this year, he can save at least 30 million yuan in interest in three years."

Mi Xiaoyin understood what Zhao Changan meant.

In 1996, bank loans reached a peak, with a six-month loan interest rate of 10.98%, a six-month loan interest rate of 13.14%, and a one-year loan interest rate of 14.94%, and a one-year loan interest rate of 14.94%, which is basically free of negotiations for more than three years.

Moreover, loans are difficult, and rent-seeking is very serious. It requires a lot of investment to obtain them. It belongs to the seller's market.

In the past three years, both deposit interest and loan interest rates have been falling rapidly.

In terms of lending, banks have gradually changed from a house selling market to a seller's market.

This year, I became a bank manager and asked for loans to high-quality enterprises. As for how long I want to borrow, how much I want to borrow, and how much interest rate, it is easy to negotiate.

Xia Wenyang saw this and dared to play like this.

How could I think that Zhao Changan and Xing Dali, a group of people jointly attacked and strangled?

It seemed that he was careless and lost Jingzhou, and he was full of resentment and grievance, but he had no choice.

"You are absolutely cruel enough!"

Mi Xiaoyin looked at Zhao Changan with appreciation, and couldn't help but appreciate each other.

"Sister Xiaoyin, if you believe me, you will sell all the stocks and futures in your hands and hide them for a while. I guess this year will be cash as the king. Then you will find that there are a large number of high-quality assets waiting for you to come."

"Including one nanometer of yours?"

"Yin Nano has been walking with caution. Sister Xiaoyin, you don't have a chance."

"There are now very fierce debates on whether stocks, especially Internet stocks, are opportunities or bubbles in the market. The Shanghai Composite Index has reached 2,000 points."
Chapter completed!
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