Reborn with Consumption System-Chapter 615 - 271: Making an Appearance (Part 3)

These credit assets disappeared from the bank's balance sheet. They no longer constituted high-weight risk assets nor impacted the capital adequacy ratio, allowing the bank's loan-to-deposit ratio and other indicators to meet regulatory requirements.

Highlight this!

The fundamental purpose of transferring some high-risk credit assets off the balance sheet is to improve the capital adequacy ratio and reduce on-balance-sheet risks, thereby freeing up more lending space.

As everyone knows, domestic banks live on loans; the more they lend out, the higher their profits.

But lending is not about simply lending as much as you want. To put it simply, it depends on how much deposit your bank holds.

The more you have in deposits, the more you can lend.

For small and medium-sized banks, because their deposits are limited, their lending capacity is also poor.

Everyone knows that the deposit interest rates of city commercial banks are much higher than those of the big four banks, but why?

Because city commercial banks have very poor deposit-gathering abilities, they have to raise interest rates or even crazily skirt the rules by giving out benefits to compete with the big banks.

If you deposit 50,000,000 in personal savings with ICBC, its staff may not even bother with you.

If you deposit it with a local city commercial bank, the branch manager will go out of their way to court your favor, and the bank's 'beauties' will actively come to grovel and fawn over you—because they're under too much work pressure and lack the confidence of the major banks.

A deposit of 10,000,000 is enough to meet a year's target, while 50,000,000 is almost enough to get promoted to branch manager.

Bros, now you know how to play the game, right?

All in all, if commercial banks want to increase their profits, they can only desperately attract deposits while trying to move assets off the balance sheet as much as possible. This is especially true for small and medium-sized city commercial banks; they're truly exhausting every means.

And now, what Han Lie is doing is a more sophisticated, compliant, win-win strategy. Apart from Qianhai in Shenzhen, his model is the most advanced.

Even though it can only be amazing for a few months, during these months, he is the coolest kid on the block.

That year, I walked with my hands in my pockets, and anyone who saw me had to compliment, 'What a handsome devil…'

Realizing Old Jin's core needs, Brother Lie laughed.

He carefully weighed his words and succinctly replied, "In one's position, one must fulfill one's duties. For survival, appropriately moving assets off the balance sheet is an inevitable and not entirely blameworthy act."

Wow, damn, this guy really knows his stuff!

Jin Minghui was extremely shocked. The young man in front of him was a prodigy unlike any he had ever seen.

Surprised yet very satisfied, he took the initiative to clink glasses with Han Lie.

Then, he gave Boss Qi a look.

Boss Qi immediately spoke politely, "Professor Han, my new project actually needs financing too. We have been cooperating with Magic Capital Bank, and it's been very pleasant, but now… you understand."

"So it's quite troublesome. Actually, Mr. Jin is very willing to help cooperative enterprises through difficult times, but given the circumstances… Do you have any advice?"

He paused, seeing that Han Lie was silent in contemplation, and quickly added—

"Rest assured, as long as your method satisfies both parties, I can sign the agency agreement with you right now. For 7,500,000,000, the consultation fee will be 1.5%!"

"My requirement is that the overall cost must not exceed 12%, with Magic Capital Bank as the custodian."

Han Lie's pupils suddenly narrowed.

Even he couldn't ignore the 112,000,000 lying right under his nose.

This money was too crucial. If he got his hands on it and then spent it on Pan Ge, it would directly equal 220,000,000 experience points, which could raise two attributes to the full value of 89!

This unexpected windfall… should he earn it or not? Moreover, could he actually earn it?

Han Lie pondered for about five seconds. Within his vast, ocean-like framework of knowledge, a plan gradually took shape.

He looked up, gazing directly at Boss Qi, and spoke calmly and confidently.

"Sign the agency agreement and consultation agreement now. Within thirty minutes, I will give you a perfect solution that fits the needs of all parties."

"Really?!"

Boss Qi was both shocked and delighted, yet also somewhat disbelieving.

Then, he subconsciously glanced at Jin Minghui.

"One moment, Professor Han."

Jin Minghui hastily stood up, walked to the side with his phone, dialed a number, and spoke for a while.

Returning, he nodded to Boss Qi and then looked at Han Lie seriously, "If Professor Han can fully understand the needs of both our companies and meet each of our requirements, the 1.5% initiation fee is what you deserve."

What a huge pie! But under the premise of satisfying both parties, it was practically impossible to achieve a 1.5% margin. And what did 'initiation fee' even mean? It meant acting as a project initiator, which involved actual work! It wasn't as simple as just offering an idea to pick up 112,000,000. How could it be that easy? However, the conditions were already good enough. Without some real skill, one truly wouldn't be able to get it.

Han Lie didn't bother to boast any longer. Sitting upright on the sofa, he gestured grandly to Liu Minghao, "The contract!"

Liu Minghao immediately summoned Lü Shuli, and the group promptly moved to the hotel's conference room.

Lü Shuli went to the baggage check to fetch Liu Minghao's briefcase, pulled out a USB drive and a laptop, and promptly modified and printed out six contracts on the spot.

Three were project agency agreements, and the other three were consulting agreements.

The consulting agreements listed a fixed amount: 37,500,000. 𝗳𝚛𝚎𝚎𝘄𝕖𝕓𝕟𝕠𝚟𝚎𝕝.𝗰𝕠𝐦

The agency agreements stated that Zhongmei Investment should secure the project for Jinguang Real Estate Company at a cost of 11.5%, with Magic Capital Bank designated as the custodian.

Both parties signed their names and affixed their company seals; the only thing left was notarization.

Before the contracts officially took effect, Han Lie still had to convince Boss Qi and Old Jin with his plan.

Sitting across from each other at the conference table, Han Lie took out the plan he had thought up in five seconds.

"Let me first go over the main points of the project. If there are any issues, we can discuss them one by one later."

Old Qi, Little Jin, Liu Minghao, and Lü Shuli all stared wide-eyed as Han Lie laid out his plan with masterful ease.

"Essentially, Magic Capital Bank has the money, but they can't lend it directly to Boss Qi.