The business that Prince Raul of Spain wants to do is a very traditional and important financial industry.
He wants to establish a bank in the Golden Triangle, a bank that rules and regulations to do business.
Because the development scale of the Golden Triangle is huge, the commercial value in the future will be greater, and the financial industry is an indispensable and important part.
"Mayor Yi Jun, our Spanish royal family has control over Santander Bank, and we have relatively strong financial resources, and we are one of the top 500 in the world."
"What's more, Santander has a high credit rating, and its credibility and reputation are excellent.
The construction of the Golden Triangle requires the financial industry, so I hope that Mr.
Mayor can cooperate with us to facilitate our opening of a branch here. ” Santander, which is indeed a large world-class bank.
As Prince Raul said, the bank is also doing well and has a good reputation.
What is even more satisfying to Yi Jun is that Spain is a very neutral country.
They are not very close to the United States and other Western worlds, and the international background is not so complicated.
"Very welcome and delighted that the Golden Triangle will be favored by His Royal Highness the Prince.
Santander is famous, and the construction of the Golden Triangle does require a large amount of capital injection, especially in the middle and later stages.
Yi Jun said with a smile, he wanted to know Prince Raul's psychological expectations.
It's not profitable, and it's only a stupid guy like Prince Saudi to do it, and Prince Raul is obviously more shrewd.
Prince Raul smiled and raised his glass lightly again, touched it with Yi Jun, and said, "But for large international banks, the threshold for opening a branch is not high.
Therefore, I am afraid that in the future, the Golden Triangle will lower the entry threshold, and once the competition is fierce, Santander's income cannot be guaranteed. ” Banks are also corporate companies, and they are also doing business, but they buy money and sell money, and they also want to pursue high profits.
Yi Jun said with a smile: "Then, if Prince Raul can give ultra-low-interest loans to all enterprises in the Golden Triangle, the Golden Triangle City will inevitably give Santander Bank an absolute right to speak."
Moreover, it is possible to give Santander some franchises that other banks do not have. ” Franchise is a great benefit, and a businessman understands it.
Because monopoly means monopoly, and monopoly means windfall profits.
But the "ultra-low interest loan" that Yi Jun said is a certain contribution that Santander needs to make for the Golden Triangle.
The construction of the Golden Triangle needs money, a lot of money.
At that time, a financial gap will be formed, and a shortage will be a huge number.
And with such an image of eagerness to use money to lend, maybe all banks will take the opportunity to bite hard.
What Yi Jun requires is that the annual interest rate of the loan should not exceed 2 percent within three years and 3 percent within five years.
Moreover, it is not possible to shrink and not lend, and the annual loan volume should reach a basic amount.
The interest rate is too low, and it is difficult for banks to make money.
Because such earnings alone may only be able to maintain normal operations.
Although it was only five years of tension, the price was not small.
With such a price, it is natural to need to compensate accordingly, Prince Raul knows that Yi Jun is not an iron rooster, he has already inquired about Yi Jun's character and previous business style.
Therefore, Prince Raul was not in a hurry, and asked himself the most relevant topic with a smile: "So what does Mr.
Mayor mean by franchise?"
"Bonds" Yi Jun said with a smile, "The official bonds of the Golden Triangle construction are similar to national bonds.
The issuance of these bonds is entirely entrusted to Santander.
Although the yield of such a debt is similar to that of a bank loan, Santander does not have to bear the risk.
Because it's the official Golden Triangle, and Santander just sits there and collects the issuance fee.
And I can promise that in twenty years all the issuance of construction bonds will be entrusted to Santander No, thirty years. ” The issuance of bonds is equivalent to printing a piece of paper and handing it to ordinary depositors, but the depositors give money to the Golden Triangle City, which is equivalent to borrowing money to the Golden Triangle for use.
Prince Raul knew that it was a good deal.
Instead of issuing official bonds, it helps the Golden Triangle officials raise more construction funds, and the banks take a profit from them.
There will be no dead debts in such bonds, because it is the Golden Triangle city government that really owes the money, so there is basically no risk.
Moreover, the issuance of such bonds is large, and the fees taken alone are enough to make up for the losses caused by low-interest loans.
What's more, it's a thirty-year franchise.
After 30 years of exclusivity, Santander will inevitably become the leader of the Golden Triangle, and will also become one of the most official banks in the region due to the deepening of cooperation with the government.
As for handing over the bond issuance to a large reputable bank, Yi Jun had no choice but to do so.
If you issue bonds as a city government, how much credibility can you have, after all, many ordinary people don't know how much trust you have.
However, depositors buy through banks and eventually exchange them through banks, which is equivalent to making banks guarantors, which is naturally more credible.
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In addition, the city government of the Golden Triangle does not have business outlets all over the world, and even if the average depositor wants to buy your bonds, he has to go to the Golden Triangle to buy them, such as the people in Spain or other places in Europe, even if he wants to buy your bonds, he takes a fancy to your interest income, but if he goes to the Golden Triangle, the interest will be lost in the travel expenses alone.
Therefore, this kind of bond issuance is only convenient with the help of these large banks, which are full of branches.
A large number of depositors only need to buy bonds at the bank branch at their doorstep, and then exchange the principal and interest at the bank branch after maturity, which is convenient.
Not only convenient, but also reassuring.
They can't see the Golden Triangle thousands of miles away, but they can see that the bank at their doorstep is still there, so they are at ease.
In short, this is a mutually beneficial and win-win model, and it depends on whether the two sides can negotiate.
Prince Raul did the math, and it seemed that this thing could be done.
Therefore, a framework agreement has basically been reached, and it is just a matter of waiting to send someone to carefully negotiate the specific details.
As for Yi Jun, he was naturally happier in his heart.
Nowadays, the early funds for the construction of the Golden Triangle are sufficient, and I am afraid that there will be a fault in the medium-term funds.
But Santander's ultra-low-interest loans have closed at least a quarter of the funding gap.
Moreover, the interest rate of this kind of loan is very low, which is extremely beneficial for the development of various investments, and also reduces the burden on the Golden Triangle.
The issuance of a large number of bonds can also solve at least a quarter of the mid- and late-stage funding gap.
At that time, more than half of the shortage of funds will be solved, and the wealthy Saudi royal family can contribute money, I am afraid that the construction of the Golden Triangle will not be short of money from the beginning to the end, even if it is a little bit missing, with the ability of Yi Jun, it will not be able to raise it all So, now even this last little worry has been resolved.
Yi Jun suddenly felt that with these big nobles, business seemed to be easier to do.
And with these royal families, the foundation of cooperation has been laid, and things will be more smooth in the future.
Multiple friends have many roads, and multiple kings and princes and other friends must have one more road to heaven.
It's just that these are all business cooperations.
When the princess of the British royal family came over and proposed a cooperation from the underworld, Yi Jun couldn't help but be moved.
This cooperation is more tempting than money
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