Reborn, back to a small county town to become a wealthy family

Chapter 694 Someone Lied Down

What is Chu Xinyao planning to do?

While Luo Yang was thinking, Dong Xuan and Wen Wan were also racking their brains to guess.

"You know her best, so your guesses are more accurate."

After all, he had only been in contact with the other party a handful of times, so asking Luo Yang to deduce the reason out of thin air was extremely difficult.

"I can only offer some possibilities in terms of direction right now."

I've thought about it for quite a while, and it's not entirely useless; at least it can provide some ideas.

"for example?"

"For example, she's targeting you."

Luo Yang tried to analyze, "Perhaps she hopes you will seek help from the people behind you, so that you can talk about other things."

As Dong Xuan had mentioned before, Chu Xinyao's next plan had become clear: she would strive for the position of president of the new branch of Yongcheng Bank in Shanghai.

"Eh?"

Dong Xuan suddenly loosened her arms, which had been wrapped around Luo Yang's arm.

She rubbed her temples with her delicate fingers, frowning as she said, "It's quite possible. She's not the only one eyeing the new branch manager position, and anyone qualified for that position must have a strong background. Chu Xinyao might really have met her match."

"Dong Xing, be honest, how much influence does the leader behind you have?"

"She is one of the shareholders of Yongcheng Bank and also the vice president of the head office. Her influence ranks among the top ten in the entire bank."

As Dong Xuan replied to Luo Yang, her thoughts became increasingly clear.

"With such strong connections, why would you still step forward?"

After figuring out Dong Xuan's capabilities, Luo Yang was extremely surprised and looked at her with incomprehension, saying, "You're already the deputy branch manager. After a year or two of experience, you could easily try for the branch manager position. Why are you going through all this trouble? Is having a bigger platform really that important in your system?"

In Luo Yang's view, it's better to be the head of a chicken than the tail of an ox.

"Do you think I haven't thought about it? But she's retiring next year."

Dong Xuan clicked her tongue and said, "Besides, she's just a distant relative of mine. If I hadn't been so persistent all these years, she would never have given me a second glance. I've already exhausted all my connections with her by getting myself into the position of vice president. Once she steps down, I won't even be able to hold on to my position, let alone move up."

"You have a clear understanding of yourself."

After hearing her explanation, Luo Yang understood.

For someone like Dong Xuan, once she loses her connections at the Ningbo Bank, the saying "better to be a big fish in a small pond than a small fish in a big pond" becomes a joke.

The smaller the platform, the narrower the upward mobility. People without connections or background should not have any illusions. On the contrary, if they jump to a larger platform, there is a slight possibility of climbing up.

"But then again, you can't really help her?"

Luo Yang relaxed his eyebrows and smiled at Dong Xuan, saying, "Doesn't Chu Xinyao know you're just using someone else's power to intimidate others?"

"It doesn't matter even if you know."

Dong Xuan shook her head and said, "She has plenty of resources to exchange; all she wants is me as a bridge."

"That's true."

Luo Yang nodded in agreement.

"But the analysis just now was just a guess, and it may not be Chu Xinyao's true intention."

Dong Xuan's furrowed brows remained unchanged, and she could only say with a troubled expression, "What if she has other ideas?"

"Why do you care what she thinks?"

Wen Wan suddenly interjected, "Why don't we just test it out and see?"

Dong Xuan paused for a moment, then looked up at Wen Wan.

"Yes, it's such a simple thing."

She gave a wry smile and said self-deprecatingly, "It's me who's obsessed."

"See, the problem is solved, isn't it?"

Luo Yang patted Dong Xuan on the shoulder: "Alright, that's settled then. Go home and get some rest. Let me know when you get the results tomorrow."

"What time is it?"

Dinner ended early, and since there were no second events, it's not even 11 o'clock yet.

After her mood improved, Dong Xuan's expression became even more radiant.

As she swirled her wine glass, she asked Luo Yang with a smile, "Chu Xinyao gave you two choices before, which one do you plan to take?"

"I would like to choose the second option, but I'm afraid it won't be fulfilled in the end."

Luo Yang then explained his thoughts.

The reason he didn't hide anything from Dong Xuan wasn't because their relationship had become too deep, but because he wanted to know Dong Xuan's opinion on this choice.

After all, they are a mid-level manager in this system.

"It shouldn't be that bad, especially when Chu Xinyao was still working at Yongcheng Bank."

After listening, Dong Xuan first shook her head, then said, "The problem of the undervaluation of state-owned assets that you are worried about does not exist, because the contract is there, and the market conditions at that time are also there. How can it be an undervaluation?"

She finished speaking in one breath, and fearing that she hadn't been clear enough, she added another sentence.

Even if the case goes all the way to the Supreme Court, you will still win.

"The key is the boss's judgment."

The atmosphere became more relaxed, and Wen Wan no longer remained quiet; "Within five years, housing prices must fall, and the repurchase price cannot exceed the total principal and interest of this money, only then will it make sense. No, we also need to include the 60 to 70 million saved in the first option."

"Does Director Wen already have a plan in mind?"

"The official acquisition price is 45.68 billion yuan. The building is divided into two parts: the main building has 38 floors with a total construction area of ​​172033 square meters, and the east side has a 6-story podium with a total construction area of ​​12018 square meters. Together, it is 184051 square meters."

Without using a calculator, Wen Wan immediately started calculating, saying, "Not counting how much we could negotiate with the developer or the preferential policies from the bank, the price per square meter for this building would be a little over 2.4 yuan."

"This is too rough. Please calculate it in more detail."

Luo Yang was too lazy to think, so he gestured to Wen Wan to calculate the details.

"According to the conditions Chu Xinyao presented during dinner, 40% of the shares would be roughly 12 billion yuan. Assuming our company repurchases them in the fourth year, the interest would be 3.024 million yuan based on a commercial loan interest rate of 6.30%. Adding the 7000 million yuan that should have been saved by choosing the first option, the total would be 15.724 billion yuan."

Wen Wan then took out her phone and used the calculator to do the math, saying, "This money corresponds to 40% of the building's equity. After converting it into area, the price per square meter is 2.1358 yuan. If the market price per square meter of this building is lower than this figure in four years, we will make a profit if we repurchase it. If it is higher than this figure, we will lose money if we repurchase it."

The calculation logic is correct.

"Director Wen, according to this calculation, the price of commercial buildings in Shanghai will drop by 3000 yuan per square meter in four years."

Dong Xuan shook her head and said, "It seems a bit difficult."

Luo Yang remained silent.

He knew perfectly well that the buyback wouldn't take four years; in fact, two years would suffice.

The interest alone could reduce the calculation by 1.5 million, which translates to a unit price of approximately 2000 local currency per square meter. In this case, the market price of the commercial building only needs to drop by 1000 per square meter.

During the second half of 14 or the first half of 15, the drop in housing prices was definitely more than this.

"Actually, that's not how the accounts are calculated."

Luo Yang interrupted Dong Xuan and Wen Wan's argument, offering his opinion: "If the loan amount after debt restructuring is only 60% of the original amount, we can use the headquarters building as collateral instead of the company's credit line to complete the loan. Anyone with a basic understanding of finance understands the difference." At the very least, if the company wants to obtain bank loans later, its credit balance will be higher.

The two stopped arguing.

Despite the discussion, Luo Yang wouldn't easily decide to choose the second option.

He will definitely consult with banking professionals from multiple sources, and only feel at ease if their opinions are similar.

After chatting for more than an hour, the three of them unknowingly finished a bottle of champagne.

Dong Xuan felt it wasn't enough, so she urged Wen Wan to open another bottle.

"Your boss has plenty of good wine, don't try to save him any."

As the night deepened, the woman became more uninhibited. When the conversation shifted away from serious matters, neither Luo Yang nor Wen Wan combined could match her.

"Before I knew it, I had bought this house more than two years ago."

Dong Xuan sat cross-legged on the sofa with her feet tucked together and one arm draped over the back of the chair. As she drank her wine, she teased Luo Yang, "It's a house worth tens of millions, and Mr. Luo rarely comes to stay here. It's just left empty like this. Is he treating this place like a palace?"

Luo Yang really wanted to pin her down on his lap and spank her ass hard.

I was quite flustered when I first arrived, but after I sorted out my inner turmoil, I started to have a lot of fun.

"It takes at least two hours to get from here to the Minhang headquarters during the morning rush hour."

Before Luo Yang could even speak, Wen Wan chimed in: "The company has booked a suite for the boss at a hotel near headquarters. He can get to the company in just five minutes on foot. It's so convenient."

"is it?"

After asking a question in return, Dong Xuan giggled.

She turned her gaze to Wen Wan and said meaningfully, "It seems that Director Wen only serves during General Manager Luo's working hours."

These words were so hurtful that Wen Wan didn't know how to respond for a moment.

Before tonight, she knew that her boss had bought a house in Hongqiao Villas and two girls in Xuhui who she had never met, who seemed to own a house there as well. The rest of the property was limited to the board office area.

Tomson Riviera is definitely associated with the boss's other woman.

As for who it was, she had a guess; it might be related to Dong Xuan.

Finally, there's the proprietress, Jiang Fan, whom I've not only met but also served.
Thinking about it now, I didn't even know how many houses he owned or how many women he had. It seems that the so-called head housekeeper was just a figurehead.

For a time, she was somewhat depressed by Dong Xuan's words.

"cough cough"

Luo Yang coughed a few times in succession: "Work is work, and life is life."

He couldn't say anything about his clean private life in front of Dong Xuan, after all, she had seen it with her own eyes.

These slightly conciliatory words made Wen Wan look at Luo Yang with a strange expression.

So Dong Xuan has some kind of leverage over her boss?
"cluck"

Seeing Luo Yang's embarrassed expression, Dong Xuan didn't dare to continue. She smiled and changed the subject, saying, "After witnessing Mr. Luo's earning power again last time, I realized I was too conservative. I have special channels, but I don't know if Mr. Luo is still accepting new orders?"

"What do you think?"

Luo Yang glanced at Dong Xuan: "It's not like I haven't given you a chance!"

Despite being rebuffed, Dong Xuan remained unperturbed and continued to smile, saying, "Fine, it's all my fault for not recognizing the value of a gem. Those who attended that party but didn't subscribe to the fund products must be regretting it to the point of vomiting blood."

"It's not to the point of vomiting blood, it's only a 50% return."

Luo Yang dared not give this woman a friendly look: "After this party, I've realized that large-scale private fund products like this aren't suitable for public offerings; promoting them within a small circle is sufficient."

"President Luo will definitely let me know, right?"

At some point, Dong Xuan's foot stretched out to Luo Yang's leg and gently rubbed against it.
Judging by this, they're planning to eat people tonight.

Or was it deliberate flirting?

If only the crazy Chu Weiwei were here, or even Cong Shanshan, either one could scare this woman away.

"We'll talk about things that haven't even started yet."

Luo Yang decided to ignore it: "Let's get down to business. When are you planning to switch to Pudong Development Bank?"

Regardless of the cause of tonight's incident, he believed that Dong Xuan's desire to leave Ningbo Bank must be even more urgent.

"Whether I can switch jobs depends on whether Boss Luo is supportive or not."

Unexpectedly, Dong Xuan was quite frivolous when talking about such things. She giggled and said, "Only when you pull me from behind can I jump steadily."

Luo Yang: "."

Wen Wan, who was on the other side, couldn't stand it anymore.

Taking advantage of the opportunity to pour the wine, she knelt down next to Luo Yang.

"Boss, you've been sitting for so long, aren't you tired?"

Ignoring Dong Xuan's gaze, Wen Wan, her face flushed, said, "Let me massage your shoulders."

Seeing that Director Wen was about to increase the intensity, Dong Xuan suddenly became serious.

"Mr. Luo, you promised before that wherever I move to, your personal account will follow. Does that promise still stand?"

Luo Yang had already closed his eyes and was leaning against Wen Wan, enjoying a shoulder massage.

Upon hearing this, I had no choice but to open my eyes.

"What I promise, I will definitely keep."

"Before you went to the capital last week, you and I talked about how two real estate companies planned to set up two fund products through the Gray Rhino program to publicly raise 10 billion yuan. Have you already started negotiating cooperation with other major banks?"

Dong Xuan asked a series of questions with a serious expression, forcing Luo Yang to give a serious reply.

"Because we're going to the capital, there hasn't been any formal contact yet."

Luo Yang thought for a moment and said, "But Zhao Pengcheng also participated in that game of basketball and business discussion. The business negotiations with the two real estate companies should be underway, and he should also be in contact with a few banks."

"As long as you haven't finalized it yet, it's fine."

Dong Xuan nodded, then let out a long sigh, feigning regret, and said, "Unfortunately, we still didn't get to meet the time you mentioned."

"Ok?"

"Last year."

Dong Xuan reminded Luo Yang: "Back then, you told me that within three to five years, the assets managed by our private banking department would exceed 5 billion yuan, and might even exceed 10 billion yuan."

"Yes, I did."

Luo Yang nodded and said, "I still think so."

"So I decided."

His previously serious expression vanished instantly.

Dong Xuan looked at Luo Yang with a smile and said, "Just lie down and do your best!"

(End of this chapter)