Reborn as a female internet celebrity in a county town

Chapter 261 Tianjin Capital's Killer Weapon

I arrived early specifically for Song Zhiyuan's dinner party.

Two of the bank managers arrived early, but after waiting for more than ten minutes, one of them began to get impatient, while the other had dealt with Lin Lang before and had already lent 100 million yuan to Big Fish Media.

"Leader Song, we definitely want to get involved in securing the logistics center deal, but you should at least give us a rough estimate, right? Also, the people from Big Fish Media haven't even arrived yet. If they're acting so arrogantly, I don't think things will go too smoothly."

Their core business is to lend money out by participating in these projects.

However, even Shen Xingnan would come to greet them in advance in Tianshui County.

Wu Jin, the bank manager standing to the side, remained silent. After all, he had met Yan Li once before, and Yan Li at that time was far less powerful than he is now.

Tianjin Capital is now too terrifying, and Lin Lang is still a shareholder of Tianjin Capital.

Even if someone is a kept man, it's not something anyone can just take advantage of.

Let's wait and see if we can have a chance to talk more this time. Tianjin Capital is a company with such strong earning power that the Rural Commercial Bank is very eager to serve it wholeheartedly.

As a regional rural commercial bank, they rarely have access to top asset management companies, as those large companies look down on them.

There are two reasons. First, they don't have much money. A few hundred million might be manageable, but a billion or tens of billions would be very difficult.

Secondly, they have few resources. The real big shots need resources, but they don't have anything of particularly high value.

Even some of the most basic resources are co-sourced with others, such as first-class lounges on airplanes.

As for advanced resources, such as yachts and airplanes, there are almost none.

As for high-level human resources, overseas investment channels, etc., what do those things have to do with a small regional rural commercial bank?

Song Zhiyuan said, "President Yue, please calm down. It was my turn that was delayed and the notification was late."

Just as he finished speaking, Song Zhiyuan's phone rang. He initially thought it was Lin Lang and Yan Li arriving, but after seeing the number and answering, he learned that another bank manager was not coming.

The three bank managers he invited were from a rural commercial bank, Huijiang Bank headquartered in a neighboring city, and a well-known local rural bank called Xianzhai Bank.

The caller was the branch manager of Xianzhai Bank in Tianshui County, who said that something came up and he couldn't come.

These three banks, whose business areas are all in the surrounding cities, have considerable influence and autonomy even for their county-level branch managers.

While the county does have the Big Four banks, they generally only participate in projects with high certainty. Even if we bring in the Big Four, they won't allocate much quota to Dayu Media.

Song Zhiyuan glanced at the two men and said, “Gentlemen, Xianzhai Bank just said they have something to do and can’t come. Today’s project is very important to Tianshui County. Please bear with the pressure that Xianzhai Bank was under. I will try my best to secure more cooperative projects for you in the future.”

His original plan was for each family to contribute 200 million yuan.

Now that one company is gone, it means that the remaining two companies will each receive 300 million.

Two hundred million for each bank was already a stretch, so he planned to dedicate a song to the bank presidents tonight to offer some emotional support.

Unexpectedly, before it even started, one of them was already gone.

Wu Jin from the Rural Commercial Bank said, "No problem, it's just that if it's a lot of money, it might not be possible to raise it all at once."

"It's alright, there's plenty of time."

However, another bank manager, Mr. Yue, was not so happy. "Director Song, we've also investigated Big Fish Media. Based on their situation, they simply don't meet our requirements. We originally intended to make friends, but now it seems they have no intention of doing so. I feel there's no point in staying here any longer, so I'll just..."

He stood up as he spoke.

I had just gotten up when there was a knock at the door, and then the door to the private room was pushed open.

Lin Lang said apologetically, "I'm so sorry, I'm so sorry, I'm late."

Song Zhiyuan quickly stood up and said, "We're not late, we just arrived. Mr. Yan, Mr. Lin, please have a seat."

Yan Li smiled and said, "Uncle Song, you can just call me by my name."

After speaking with Song Zhiyuan, Yan Li took the initiative to greet Wu Jin, "Hello, Manager Wu."

"I never expected to meet President Yan today. It's a pleasure to meet you!"

Wu Jin shook hands briefly with Yan Li, and then immediately shook hands with Lin Lang to greet him.

Yan Li looked at the person next to her and extended her hand, "Hello, I'm Yan Li."

Just a casual remark.

Yan Li!

There may be many people in China who don't know Yan Li. Among the 1.4 billion people, there may be 1.2 or even 1.13 billion people who don't know him.

This does not include the few people in front of us.

The most direct evidence of how impressive Tianjin Capital is is that it earned a staggering 14.6 billion yuan in just one month.

It was basically earned within the constraints of public offering rules.

While it doesn't represent Tianjin Capital's revenue, it does demonstrate their capabilities.

Seeing that the other person didn't speak, Lin Lang took the initiative to shake the other person's hand and said, "Hello, I am Lin Lang from Dayu Media."

At this moment, the other party finally realized what was happening and hurriedly said, "Hello, hello, I am Yue Feng from Huijiang Bank. It's a pleasure to meet President Lin, and... President Yan."

He couldn't understand why Yan Li was here.

As for admitting mistakes?

That's definitely not the case. With looks like that, it's hard to find another one like her in the world, not to mention the same name and a 70-80% resemblance to someone online. It's impossible for so many factors to come together.

Moreover, he already knew that Yan Li was from the next county, and her father, Yan Keming, was also a big shot in the investment circle. He had dealt with Huijiang Bank before, since investment companies often need to borrow funds.

After Lin Lang and Yan Li sat down, Yue Feng whispered to Wu Jin beside him, "President Wu, why did Lin Lang come with President Yan?"

Wu Jin: "President Yue, don't you know that Lin Lang is the second largest shareholder of Tianjin Capital?"

"????"

Who would care about second place?

Tianjin Capital has always been known for its financial acumen and financial expertise.

The world's highest peak is right there, but who knows what the world's second highest peak is?

Wu Jin then added, "President Yan and President Lin are still in a romantic relationship..."

Yue Feng: "..." Isn't this like the flood washing away the Dragon King's temple?
Big Fish Media has always been a company he highly regards. It is very innovative and has brought the operating model of big cities to small counties. It must have great potential!
"Why didn't you say so sooner..."

Yue Feng's tone carried a hint of resentment.

Wu Jin shrugged, "I had no idea."

At this moment, Lin Lang said, "President Wu, I didn't expect to trouble you again this time. I already troubled you last time."

"No trouble at all... Our bank is specifically for business collaborations. Mr. Lin, you're looking to acquire the logistics center, right? How much funding would you need?"

Lin Lang said, "I'm prepared to use the shares of Dayu Media as collateral, and I want 1 billion yuan in cash. Of course, if you feel that the shares of Dayu Media are not enough, I can also pledge some of the shares of Tianjin Capital."

"One billion?"

Wu Jin had never even considered this number.

The rural commercial bank has no money.

The total savings absorbed by Tianshui County Rural Commercial Bank over the years is only 1.2 billion yuan, most of which has already been lent out, with only about 100 million yuan maturing each month.

The last time he got 100 million yuan for Big Fish Media, he had to keep a portion of the funds and then piece it together several days in advance to finally get it.

If Lin Lang needs two or three hundred million this time, he can find a way to help. After all, there are rural commercial banks in the city and banks in the province, so it's not difficult to borrow from them.

But, a billion?

Even if all he needed to do was come up with 500 million, he would have a hard time doing it.

The Tianshui County Rural Commercial Bank's headquarters simply doesn't have such a large authorized limit.

This is already considered good; it would be even more difficult for the four major banks to come up with the money.

The equity of Dayu Media may not be worth much, but the equity of Tianjin Capital is valuable. However, since Tianjin Capital has only been established for a few months, its valuation is definitely very low. Even if Lin Lang pledges all 40% of his equity, he may not be able to get 1 billion yuan.

Lin Lang: "Yes, I've already reached an agreement with Xinglan Real Estate for the logistics center. The deal will be completed for 300 million. Next, I need to improve the logistics center's structure. The estimated investment is between 100 million and 200 million. The remaining 500 million will mainly be used to acquire Tianshui Duck Industry."

Wu Jin said helplessly, "President Lin, these are all high-risk investments."

Neither the logistics center nor Tianshui duck farming is considered a good product by the bank's evaluation system.

Lin Lang remained silent. Yan Li glanced at him and then said, "Gentlemen, my boyfriend simply wants to contribute to our hometown and revitalize these two projects. Risks do exist, but they're not a major problem. If you feel this matter cannot pass your risk control system, I can issue you a 1 billion yuan bond from Tianjin Capital, with a coupon rate of 4%. As for the term, I can offer a maximum of ten years."

After Yan Li entered, he did two things: first, he greeted her and identified himself.

Second, kill the negotiation.

As a public fund, Tianjin Capital has already risen to prominence, and its future stable income is quite considerable.

Even if it's only worth 10 billion, its annual revenue would be 200-300 million, and its net profit would definitely be over 100 million.

With a mere billion yuan in bonds and a coupon rate of four percent, the annual interest would be only forty million yuan, which they are fully capable of repaying.

Bonds from top-tier companies like these have always been highly sought-after in the market. The current three-year benchmark interest rate is only 2.75%, and with a coupon rate of four percent, the profit margin is enormous.

It's equivalent to lending out 1 billion yuan to an absolutely high-quality client.

Customers like this usually have to beg others to lend them money and use various interest rate reduction measures. As long as the period is long and stable enough, it's fine to pay interest rates lower than the benchmark rate, since they can use some short-term savings or demand deposits as a hedge.

Another key statistic is the ten-year term, which represents long-term bonds, signifying stability and high interest rates.

Before Wu Jin could speak, Yue Feng said, "President Yan, our Huijiang Bank can provide this money independently!"

Wu Jin quickly said, "Our Rural Commercial Bank doesn't need the equity collateral from Dayu Media and Tianjin Capital; we only need the property rights of some logistics centers as collateral."

"Our Huijiang Bank can lend money to Mr. Lin without any collateral, and the interest rate can be the lowest possible, whether it is a three-year or five-year term, it will be one percentage point lower than the benchmark interest rate."

Song Zhiyuan, who was standing to the side, was surprised that Yan Li was so generous.

Tianjin Capital shouldn't be short of money, right?

No, the county also wants bonds, which are such a good thing.

However, Lin Lang's matter was the priority at the moment, so he asked Lin Lang, "President Lin, what do you think is appropriate?"

Lin Lang didn't think much of it. "Let's split it 50/50. As for the interest, let's go with the benchmark rate."

“Okay, let’s do it the way Mr. Lin suggested. Each of the two banks will take out a loan of 500 million, as for the bonds…”

Song Zhiyuan glanced at Yan Li.

Yan Li said, "I'll arrange for the company to go through the procedures tomorrow. It should be done in a month at the latest, and in a week at the earliest."

Although both are essentially about banks lending money, the people who borrow the money are different.

One is Lin Lang personally, and the other is Tianjin Capital.

Lin Lang will definitely borrow the money in the name of a certain company. Even if he can't repay it, at most that company will go bankrupt. The risk is very high.

The bonds are anchored to Tianjin Capital, and as things stand, they are virtually risk-free.

Because the levels of risk are different, the levels of popularity are different.

Next, it's time to eat.

The meal went very well, and everyone was in a good mood.

However, some people are in a bad mood.

The news of Tianjin Capital's 1 billion yuan bond issue quickly spread throughout the industry.

This kind of thing can't be kept secret. Too much money needs to be mobilized, and it needs to be reported to the head office. Through various channels, the number of people in the know grows exponentially.

Xianzhai Bank didn't go, so... they missed out on this great opportunity.

The branch manager of Xianzhai Bank in Tianshui was berated by the voice on the phone for a full half hour.

After being scolded, he called Kong Rui late at night.

"Kong Rui, you've screwed me over! Do you even know that Yan Li from Tianjin Capital came tonight? Do you even know that she pulled out a billion yuan worth of bonds during the dinner, ten years, with a coupon rate of four percent!"

"Yan Li? Who is Yan Li?"

"The founder of Shanghai Tianjin Capital, currently the hottest public fund company on the market, grew from zero to 30 billion yuan in a month, and now the scale has exceeded 50 billion yuan. She is also the richest woman in China born in the 90s, and her net worth has reached 6.2 billion yuan in just over a month! If you still don't know, her father is Yan Keming, and Yan Keming has a brother-in-law named Shen Xingnan. Yan Keming's net worth is over 10 billion yuan, and his investment company is worth tens of billions!"

(End of this chapter)