Swoosh!
The three Executives exchanged glances.
They simply couldn't approve this loan!
Immediately, all three of them shook their heads.
Executive A: "Chairman Qin! It's not that we're refusing, but there truly is no such precedent!"
Executive B: "The bank has its rules, and we don't have the right to break them."
Executive C: "Chairman Qin! Logically speaking, as long as you give the word, we will definitely get it done, but right now we are truly powerless."
They shook their heads to refuse, but carefully chose their words for fear of making Qin Jiang uncomfortable.
...
Qin Jiang: "I don't care about your bank's rules! Here, my rules are the rules!"
Arrogant!
Arrogant to the extreme!
If anyone else had said these words, the three Executives would have definitely slammed the table, cursed, and walked away right then and there!
Who were they?
They were the heads of the bank loan department; other enterprises practically begged them for loans. After all, this was an era of booming economic development, and there were still many companies in need of loans. Which of those entrepreneurs wasn't polite and trying to curry favor with them? Yet the person in front of them right now was actually spouting wild words to their faces, saying that they must give him a loan and that his rules were the rules.
This made them... extremely uncomfortable!
Angry?
Extremely angry!
Wanting to lose their temper?
They didn't dare at all!!!
...
Who asked Qin Jiang's identity to be extraordinary? Not to mention that his enterprise was the top group in the northern region with a market value of hundreds of billions, nor that he was an absolute premium, high-quality major loan client of several banks.
Just taking Qin Jiang's status as a societal big shot—who wouldn't fear him? As people from the northern region, they had naturally heard too many terrifying legends about Qin Jiang. Getting angry at him would simply be courting death.
But what could they do if they didn't get angry?
Qin Jiang had already pushed the conversation to this level!
The three Executives exchanged glances with each other, seeing panic and fear in each other's eyes!
Eye contact communication:
"What should we do? Is this Qin Jiang going to force us?"
"When the time comes and he pulls out the contract directly, should we sign it or should we sign it? Or should we sign it?"
"How can we sign that contract?! Signing means death! Not signing also means death! We're blocked on both ends!"
...
Such emotions constantly flooded the minds of the three Executives, leaving them extremely anxious and not knowing what to do.
Zhu Zheng: "What are you panicking about?! Brother Jiang doesn't eat people!"
The three Executives: "..."
Doesn't eat people?
He kills people!
If we agree to his demands, we die! But do we dare not agree right now? We die either way!
...
Qin Jiang: "The loan requirements I just stated are rigid and cannot be changed, but to avoid making it difficult for you, we can make some minor adjustments to the details: First, the money for this loan does not need to be paid in a lump sum; it can be paid once for every piece of land successfully auctioned. Second, after Black Dragon Group auctions a piece of land, the bank can directly make a corporate transfer to the corresponding local government's bank account without passing through Black Dragon Group's hands in the middle!"
"Finally: The two milk tea brands can be used for joint and several liability with this mortgage loan."
As soon as these words were spoken,
Whoosh...
the previously dejected expressions of the three Executives instantly came back to life.
No need for a one-time disbursement!
Direct corporate transfer to the local authorities!
Joint and several liability for the two milk tea brands!
...
If it were Qin Jiang's previous demands, they would never have been able to agree and would have faced certain death. But the conditions Qin Jiang offered now gave them a glimmer of hope in a desperate situation. The biggest worry for bank loans was failing to recover the money, although Qin Jiang had previously said he would use land as collateral.
But who knew what would happen by then!
As long as the money was transferred to these corporate accounts, what would happen if it wasn't used to buy land and couldn't continue to be mortgaged?
What could their bank do?
For ordinary loan clients, their bank was an absolute existence of strength, but for loan clients like Qin Jiang, their bank instead became the vulnerable group. If things went wrong, they would have to beg grandparents and grandmothers, pointing at the other party to repay the money. Even if the other party didn't follow the rules, they could only turn a blind eye.
This was also the reason why they didn't dare agree earlier!
They were simply afraid that Black Dragon Group would act recklessly!
At that time, what could they do even if they held the contract?
Useless!
Owe them one hundred million, and they are the big boss!
Owe them one hundred billion, and the debtor is the ancestor!
...
But now the situation had changed!
They didn't need to transfer this money into Black Dragon Group's account, but rather to the corporate account for the land auction. This directly prevented Black Dragon Group from using this money to run other businesses. In other words, every cent they loaned out had a piece of land as truly genuine collateral. Of course, according to Qin Jiang's requirements, the amount they loaned out and the collateral still couldn't match proportionally.
They needed to lend about 30% more!
According to Qin Jiang's need for 100 billion: meaning they could get collateral worth about 70 billion.
In reality, lending over 30 billion more!
Theoretically lending about 50 billion more!
But just now Qin Jiang said they could use the two milk tea brands for joint and several liability mortgages! Thereby offsetting this portion!
Swoosh! Swoosh! Swoosh!
The three Executives exchanged glances, seeing eagerness in each other's eyes. This deal actually seemed worth a try.
But they didn't agree immediately. The two milk tea brands had already been mortgaged once; mortgaging them for another several tens of billions—wasn't that a bit...
Executive A: "Chairman Qin! If you put it that way, we can discuss it with the higher-ups, but relying solely on the two milk tea brands for collateral might not be enough. See if you can add a new piece of collateral."
Executive B: "I heard that Black Dragon Group just acquired a gaming license in the Pu Region..."
Executive C: "I heard that Black Dragon Group's tourism industry..."
...
After they finished speaking, they looked at Qin Jiang with full anticipation.
The next moment,
Qin Jiang's expression suddenly turned cold: "What I just stated is the final decision. You only have one hour to consider it. I only want two answers: Agree or Disagree!"
The three Executives:...
They didn't expect Qin Jiang to be so forceful!
But before they could say anything,
the report of Black Dragon Personnel came from outside the door: "Brother Jiang! The heads of Tianye Bank, Zhaocai Bank, and *** Bank are here asking for an audience!"
Qin Jiang waved his hand.
Zhu Zheng looked at the three bank Executives across from him and said: "You guys go outside and think about it first. We have other banks to meet with!"
What?
The expressions of the three Executives changed drastically.
Under normal circumstances, would it be fine for them to just walk away like this? But right now several nationwide major banks had come! What if those banks reached an agreement with Qin Jiang after they left? Optimistically speaking, they were about to lose an important top-tier major contract; pessimistically speaking, the mortgage contracts they had previously signed might even be called for early repayment.
This was completely unacceptable to them!
And it would easily lead to reprimands upon returning!
The three Executives exchanged glances once more and stood up simultaneously, but instead of leaving, they looked at Qin Jiang and said: "Give us half an hour! We guarantee to give Chairman Qin a reply in half an hour..."
Qin Jiang said calmly: "I will only give you ten minutes!"