They surrounded me right after the breakup.

The expression on President Liu's face clearly froze.

Having worked in the banking system for most of my life, I'm used to hearing companies complain about needing money.

This is the first time I've heard someone say that taking out a loan is unnecessary.

Other real estate projects would have a debt-to-asset ratio of at least 80%.

Unfortunately, Star Moon Media had so much spare cash that it had nowhere to spend it.

He took a sip of his tea and flipped back to the page with the interest rate calculation table in the folder.

"President Jiang, let me say a few more words, just consider it a story."

"Loans aren't for when you're short of money; they're for using other people's money to leverage your own finances."

"Keep your own funds in hand and invest them in high-return channels; the annualized return will far exceed the loan interest rate."

"The interest rate difference between this inflow and outflow is all pure profit."

He leaned forward slightly.

"It's like the bank is holding a spot for you, while your own bullets are left in the chamber, ready to take down prey at any time."

"In the current economic environment, there are not many companies that can maintain sufficient cash flow, but precisely because there are not many, it is even more important to keep cash on hand."

"Loans can be repaid slowly, but cash spent can never be recovered."

Jiang Han didn't reply, but instead turned to look at Qiu Siyao.

Banks are definitely focused on business performance.

He doesn't mind achieving a win-win situation if it benefits him.

Jiang Han trusted his own woman more than the bank president.

Qiu Siyao understood immediately.

"President Liu makes a good point. From an asset allocation perspective, the interest rate spread between financing costs and investment returns is indeed worth taking."

Qiu Siyao's eyes were very serious; she was genuinely calculating the accounts.

After a moment, Jiang Han spoke.

"Okay! The fixed asset loan will proceed according to SPD Bank's plan."

Upon hearing the affirmative answer, President Liu beamed with joy.

He immediately took out a pen from his briefcase, unscrewed the cap, and handed it over with both hands.

Once the letter of intent is signed, the loan process officially begins.

As Director Liu was tidying up the documents, Jiang Han spoke up again.

"By the way, President Liu, do you know anyone who knows anyone involved in the land acquisition?"

"President Jiang, you've hit the nail on the head."

"Old Zhou has an old comrade-in-arms who is in charge of land planning in Jingzhou."

"Rest assured, since SPD Bank has taken on this business, we will definitely provide all the necessary support services."

……

The next morning, President Liu's car was parked in front of the Bicui Manor.

Jiang Han took Qiu Siyao into the car and they set off for the scene.

It's rare to see someone get their top executive to come and pick up their employees.

The car drove for almost an hour from the city center outwards.

The buildings outside the window are getting shorter and shorter, turning from office buildings into factories.

The factory buildings were transformed into vast wastelands.

The driver parked the car on the side of the road, which was a cement road.

The road surface had several cracks, and withered yellow weeds were growing in the cracks.

President Liu opened the car door and pointed ahead.

"President Jiang, this is the land."

A vast expanse of flat land stretches to the horizon.

In the distance, there are several rows of abandoned brick houses with severely peeling paint.

Behind the brick house was a bare earthen slope, with a few old locust trees with sparse leaves growing on it.

Looking further into the distance, a semi-dried irrigation canal lies across the edge of the plot, its bottom cracked with various sizes of tortoise-shell patterns.

Several rusty concrete utility poles stood in the center of the open space.

The wasteland stretched eastward, eventually disappearing into the hazy morning mist.

Qiu Siyao got out of the car.

The heels of the shoes left small dents in the dry, cracked mud.

"Such a large piece of land, it's been vacant for at least five or six years."

"Not only that, I heard about this land being put up for sale the year I took office in Jingzhou, and it's been almost 8 years now."

President Liu then continued the conversation.

"The location is remote, so residential projects won't come to bid, and commercial complexes are even less likely to come. Nobody drives that far to shop here."

"Nobody wants to take it on. Every year, the district has to pay for the land idling assessment itself."

Qiu Siyao brushed the dirt off and took out her phone to take a few panoramic photos.

Then I opened the memo app and jotted down a few notes.

"How's the infrastructure?"

"Water, electricity, and gas are now connected, and the nearest main pipeline is two kilometers away from here."

President Liu turned to look at Jiang Han, and it was clear that he had made thorough preparations.

"The district is already drafting municipal infrastructure plans, and as soon as the project is launched, we will quickly follow up."

"President Jiang is a celebrity in Jingzhou now, and everyone is eager for him to invest."

Qiu Siyao checked the time and put her phone back in her bag.

"Honey, let's go, everyone should be here by now."

The district government meeting room is on the third floor.

The long table was filled with people on both sides, and several rows of white ceramic cups were placed on the table.

Director Zhang from the Land Planning Bureau sat by the window, with a land boundary map spread out in front of him.

Director Li from the China Merchants Group sat next to him.

When Jiang Han pushed open the door and came in, Director Zhang was the first to stand up, followed closely by the others.

"President Jiang, I've heard so much about you."

He turned his head and introduced the people next to him.

"This is Mr. Jiang Han, the chairman of Xingyue Media whom I mentioned to you."

Several government officials stood up and shook hands with each other in turn.

After exchanging pleasantries for a while, everyone quickly got down to business.

Director Zhang picked up the sketch and glanced at it a few times.

"President Jiang, this land is divided into two plots. Plot A is on the west side, and Plot B is on the east side."

"The section of irrigation canal between the two plots needs to be backfilled, but the backfilling plan needs to be approved by the water resources department, so it's not a big problem."

"To be honest, this land has been idle for many years, and its location is indeed a bit out of the way now. The auction price is negotiable."

He laid out the diagram on the table and traced a circle around the boundary of the plot with his finger.

Director Li of the Investment Promotion Bureau moved his chair forward and continued the conversation.

"President Jiang, now that we're sitting down face to face, I'll be frank with you."

"The annual assessment fees, maintenance fees, and weed clearing fees for idle land add up to a considerable sum."

"If you want this land, we welcome it with open arms."

He paused, then changed the subject.

"But since it is an investment project, the district hopes that a portion of the profits generated by the film and television city in the future can be used for local development."

"For example, road construction and pipeline renovation."

Upon hearing this, Jiang Han put down his pen on the table and spoke in a very calm voice.

"Director Li, I am a businessman, and businessmen need to make money."

Section Chief Li leaned forward, about to speak, but Jiang Han interrupted him first.

"Once the film and television city is completed, the first batch of film crews to move in will bring at least two thousand jobs."

"From extras to stagehands, from lighting technicians to post-production editors, these people need to eat, stay, and spend money."

"The surrounding restaurants and hotels will all be stimulated."

"With the addition of supporting industries such as equipment rental and logistics warehousing, the overall scale will snowball and grow larger and larger."

Film crews from all over the country don't just stay for a day or two.

"Every penny they spent stayed in the local area."

"Not to mention that the film studio itself will attract tourists and media, which is also an intangible asset that enhances the region's reputation."

"All of these combined constitute a real contribution to local development."

"It's unfair to me to take another share of the profits!"

"It's also unfair to the environment for attracting investment!"