Chapter 4873

An Liang took out his mobile phone and calculated the data revealed by Liu Ling. With a loan amount of 6 billion yuan and a net profit of 0.45% per year, and a three-year term, the total profit is only 81 million Xia Guoyuan?

At first glance, the bank's profit seems a bit low!

However, the bank's comprehensive cost cannot be as high as an annual interest rate of 2.95%, and Liu Ling gave a loan interest rate far lower than the stipulated rate, so the bank's profit seems so low.

If the reference loan interest rate is 4.0%, and the comprehensive cost is set at 2.0%, the bank's net profit will be as high as 360 million yuan.

The difference between the two is almost 4.5 times!

So the bank's profit is only low at first glance, and the actual profit must be more than 100 million.

More importantly, lending these funds to An Liang means that the risk is very low. The bank has a huge amount of funds. The bank is not short of funds. What it lacks is a business that can make a profit without loss!

An Liang calculated and replied with a smile, "The performance bonus is actually 2.43 million?"

Liu Ling did not deny 24, "This performance bonus will be paid out over three years, and you have to accept the risk of accountability."

Liu Ling added, "For example, when the loan expires, if you cannot repay the principal and interest in full, and the subsequent negotiations are not smooth, I will bear joint liability and return the past performance bonuses together."

An Liang was surprised. Is there such a accountability system?

Liu Ling continued to add, "Not only that, our bank will also conduct an internal investigation. If there is a behind-the-scenes transaction in the corresponding loan project, we will even further pursue legal responsibility."

An Liang sighed, "It's not easy for you!"

Liu Ling replied in the negative, "In fact, it's okay. As long as the review is strict, the probability of making mistakes is relatively low. In addition, our income is also high, so it is reasonable to have such risks."

An Liang silently praised Liu Ling. This beautiful witch is very self-aware and did not take advantage of others like some people.

"I'm curious about a question." An Liang asked casually.

Liu Ling looked at An Liang and waited for An Liang to continue.

"Although the performance bonus this time is paid out over three years, if the bonuses of the first two years are spent after they are paid out, such as buying a house or a car, how to solve the problem when it arises later?" An Liang was curious.

For example, Liu Ling has already received a performance bonus of 1.62 million yuan, and she has spent this 1.62 million yuan performance bonus. How to hold her accountable when problems arise again?

Liu Ling responded, "Of course, if you have a house, you can sell your house, if you have a car, you can sell your car, and then scrape together the money to pay the compensation. Otherwise, it will be a lawsuit. How many people are willing to do that?"

An Liang nodded slightly, that's true!

Time passed quickly during the conversation between the two, and Qin Tianxiang came over to remind him, "Mr. An, the captain said that we will arrive at Chang'an International Airport in ten minutes."

"Yeah." An Liang responded.

Qin TianxiangImmediately left sensibly.

An Liang looked at Liu Ling and added, "I have something to deal with when I return to the capital today, so I won't send you off in person. I will arrange for someone to send you to the hotel."

Liu Ling replied, "Okay."

If An Liang sent her off in person, she would be a little worried.

After all, people are in a foreign land, and they are alone, so isn't it

"Regarding the loan, I will arrange it as soon as possible. The total amount of 6 billion will not change, but the specific projects will definitely be divided into several. I will contact you one by one when the time comes." An Liang said in summary.

Liu Ling said gratefully, "Thank you, An Liang."

"You're welcome." An Liang replied with a smile. (To read the exciting novels, go to Feilu Novel Network!)

Chang'an International Airport.

The Gulfstream G650ER landed safely. An Liang did not personally send Liu Ling off. Instead, the security personnel of Renyi Security Company sent Liu Ling off. He continued to rush to the Imperial Capital.

Before five o'clock in the afternoon, the Gulfstream G650ER landed at the Imperial Capital International Airport.

An Liang had just landed when he received a call from Zhao Zhuangkang, and he answered the call.

"Grandpa, Happy Dragon Boat Festival." An Liang greeted first. []

"Why haven't you come yet?" Zhao Zhuangkang asked quickly.

"I'm on the way. Wanxi and I will be here soon." An Liang answered immediately.

Zhao Zhuangkang said in a low voice, "Bring some wine."

"Ah?" An Liang was slightly stunned. He had just brought a lot of 953 wine to Zhao Zhuangkang, but he drank it up so quickly?

Zhao Zhuangkang said sarcastically, "The wine you sent before was discovered by old man Zhang, and then he dragged a few other old men to grab it. I...ah...we are all old brothers."

"No problem, how much does the old man want this time?" An Liang asked.

"Just bring two bottles of one kilogram, we will drink it today, not a drop left!" Zhao Zhuangkang responded. He has learned to be smart now. As long as there is no stock at home, others will not be able to grab it, right?

Although Zhao Zhuangkang doesn't mind being asked for money by other old brothers, he can't ask for money every three or five days, right?

"Okay." An Liang agreed.

"Wait." Zhao Zhuangkang added, "Add another bottle. Today is the Dragon Boat Festival. I will send a bottle to old man Zhang as well."

"Okay." An Liang agreed again.

He already vaguely knew the origins of Zhao Zhuangkang and Zhang Zhiwen, and also knew about Zhang Zijin's tragedy, so he was not surprised at all that Zhao Zhuangkang gave wine to Zhang Zhiwen. .