This feeling is very bad, very bad. After eating, Lanrun Group's operation is no longer so smooth. There are many places that require working capital in each section now, especially the IELTS that has been incorporated into Lanrun Group, and more places that require funds to fill the loopholes.

Soon, Lanrun Group found that it would take a lot of money to maintain the current operation of the entire group, and this amount of money would not work at all without more than 20 billion yuan.

Therefore, after research on the senior meeting of Lanrun Group, everyone agreed that the group needs to inject new funds to maintain the smooth flow of various business channels.

The first choice for injecting funds is naturally to borrow from the bank. This time, the amount of loan required by Lanrun Group is very large, at least more than 30 billion yuan, and it is US dollars. This huge loan is almost impossible to get in China, and Huarong Jiangli Bank, the largest world-class private bank, is not OK.

Because Huarong Jiangli President Pan Huanghe also said that he does not have the ability to bear such great risks and pressure here, and can only make mortgage loans and cannot exceed the budget too much.

Unlike the last loan of 10 billion US dollars, this time Lanrun is going to carry out risk loans. Currently, the most famous venture capital banks in the world are Citi and Switzerland.

Qin Lang held a black gold card from Citibank, so he decided to go to Citibank headquarters to try it out to see if he could achieve his wish.

Financing is what Lanrun Group or Lanrun Pharmaceutical must do at present. If the financing is successful, the scale of Lanrun Pharmaceutical will be further improved.

Of course, even if the financing fails, there is nothing wrong. Qin Lang does not lack the means of a hero cutting off his arm, and will not let the business fail in a mess.

So in the next few days, Qin Lang took two senior general managers of the group, Tang Qian and Tang Xue, the finance department, to head straight to Citibank's headquarters.

Country m, Citibank headquarters.

As one of the three largest banks in the world, Citibank has a long history, which can be traced back to at least the 1920s and 1930s. The headquarters of this world-class bank with a history of nearly two hundred years is naturally extremely impressive.

This is an international large bank with branches in nearly 150 countries and regions around the world. Its business includes credit, corporate and investment banking services, brokerage, insurance and asset management, etc., which can be compared with any other financial institution.

More than ten years ago, in the world's top 1,000 banks in the European and American magazine, Citi ranked first in the world with tier 1 capital of 59 billion US dollars, total assets of 1097 billion US dollars, and annual profit of about 15.28 billion US dollars.

At this moment, Qin Lang brought Tang Qian and Tang Xue into Citi headquarters with two girls, and only saw people entering and leaving the hall, a scene of extremely prosperous.

The headquarters of this world-class bank is extremely spacious. Qin Lang finally found out where the investment department was located and brought two women to the investment department.

The business branch of the investment department has several financial management windows. Qin Lang did not go through the ordinary financial management window because he held a black gold card, but went directly to the VIP financial management window.

However, even the VIP window is queuing, and the people here are doing big business, and they are not qualified to come to this window to handle business.

Qin Lang swiped with a black gold card, took a line and started waiting in line to handle the business.

In about an hour, the people in front had basically completed the business. At this time, Qin Lang was about to go forward to handle the business, when a guy suddenly appeared and ran to him and took the account.

"Hey, it seems I'm in front!"

Qin Langliang queued up his own lineup. He was number six, and the other party seemed to be number seven in his hand.

The one who took the title in front of me was a middle-aged man from the Eastern Conference, short and fat, looking at Qin Lang disdainfully: "I am the chairman of Yingtai International Electronics Park Sung-gun, one of the top 500 in the world, and tens of thousands of dollars are floating every minute. This time I am busy handling a large order of one billion US dollars, which is very precious, so you can talk about it later!"

What he said was sarcastic and mean, and with that disdainful expression, it really made people want to punch this fat man in the face and vent his urge.

"Damn! I'm still right to take up the account! I'm still floating up and down in a few hundred thousand in a minute!"

Of course Qin Lang would not allow it. He had heard of Yingtai International Electronics. This is a stick company, ranking just 500th in the world, and is far behind his own Lanrun Group.

You know, now my Lanrun Group is ranked 321st in the top 500 in the world!

Qin Lang, who was very upset, waited forward and pulled away the rude guy, but the other party took a step back with disgust.

"Security! Security!" Bangzi Park Sung-gun called the security guard next to him, pointed at Qin Lang with one hand and said, "Please drive this guy out for me!"

"This seems inappropriate, right?" The security guard looked at Qin Lang and then said to Park Sung-gun.

"What? What I, a big customer with a loan of one billion US dollars, doesn't count? Let me tell you, I have successfully applied for your Citi's black gold card a few days ago. People with status and status like me who think of you as a little security guard, can respect you, so hurry up and do your business!"

Park Sung-gun frowned and said impatiently.

"Well……"

The security guard hesitated for a moment, and felt that the same was true. He was about to step forward and follow the stick to do what he said, but Qin Lang took out a black gold card and shone it for a while to the security guard.

"This is the black gold card that guy said? Haha, I happened to have one too. Security guard, are you listening to this guy or me now?"

Qin Lang asked with a smile.

"this……"

The security guard was stunned and saw clearly the black gold card in Qin Lang's hand. As expected, this was a limited edition issued by Citibank. It was basically impossible to apply for a net worth of more than 10 billion US dollars.

"Okay, this guy in front of me is quarrel, annoying and rude. Security guard, please pull him away. I don't want to see this person again when I'm doing business."

Qin Lang waved his hand and frowned and pointed at Park Sung-gun. "I believe that this client should be a little bigger than this guy, so you have to listen to me in the end."

"OK."

When Qin Lang showed off Shi Xiu, who was limited edition black gold card, the security guard was also startled and did not think much about it, and directly pulled Park Sung-gun away.

"Hey, hey, you can't do this, you can't do this! My black gold card is being processed, and I'm also a member of a big customer..."

While he was pulled away, Park Sung-gun was still yelling. Unfortunately, the security guard only recognized the card but not the person. Who knows whether this kang had applied for a black gold card? After all, Kang's bragging ability is world-famous, and it is very likely that Park Sung-gun had never applied for a black gold card at all.

After pulling away an annoying guy, Qin Lang walked to the VIP window and handed over his order and application information. After taking the order, he saw that the business manager of the VIP window was straight: "Bring a loan of 300 billion yuan?"

After wiping his eyes and making sure he was right, the business manager carefully looked at some of the evaluation information provided by Qin Lang. After he did some of the information from Lanrun Group, he raised his head and said to Qin Lang: "I'm sorry, the large order of 30 billion yuan is not qualified, because the review level of my business manager is not qualified, please wait for me to ask the superior leader."

"Okay, it's okay."

Qin Lang at the window seemed very calm. Because the loan amount was relatively large this time, he was mentally prepared to fail to pass the loan.

If you fail to pass, then you can borrow less and try 20 billion US dollars. If it really doesn't work, 15 billion yuan is OK. Soon Qin Lang, Tang Qian and Tang Xue were invited to a separate VIP room at the headquarters of Citibank. This time, the three of them were Milu, the head of the Citibank Market Investment Department.

This is a very handsome white man with silver-white hair, about 40 or 50 years old. When Milu in the VIP room saw Qin Lang and the other two, she first extended her hand: "Welcome to you, Mr. Qin and two ladies from China."

"Hello!"

Qin Lang and the other two also smiled and stretched out their hands, shook hands with Mr. Milu.

Then a few sat down, and Milu asked the bank staff to bring a few cups of coffee: "This is the original coffee in Brazil. Please try it first. I need to take a look at the loan application report and preparation materials you gave me."

"No hurry."

Qin Lang nodded, picked up the coffee and tasted it. This original Brazilian coffee is very bitter, but it is very fragrant. Europeans and Americans generally like to drink this.

Coffee has the same refreshing effect as tea, but Qin Lang himself still likes to drink tea, which is also due to the habits of Oriental people, just as Westerners like coffee.

Soon, Milu, head of the investment department of Citibank headquarters, read the information and nodded, "Based on this information, we Citibank can lend you money to Lanrun Group, but before that, we need to conduct a non-performing asset survey on you Lanrun, that is, risk rating."

"After the risk rating, we can determine the specific loan amount to you, Lanrun Group, as well as the principal amount and interest that Lanrun needs to pay back every year."

"Our risk rating for investment in Citi Travel is s, a, b, c, d, e, and f. The s-level offers the highest amount and interest discount. According to different risk ratings, the loan amount and interest given to each customer are also different."

"Okay, no problem." Qin Lang nodded after hearing this.

Milu continued: "In addition, for the risk ratings of major customers, we Citi generally count directly from level d. Level d represents the highest loan amount of US$5 billion, Level d represents the highest loan amount of US$100 billion, while Level b represents the highest loan amount of US$200 billion, Level a is the highest loan amount of US$300 billion, and Level S is the highest loan amount of US$500 billion."

"In other words, if Lanrun Group wants to borrow 30 billion US dollars, it must reach an appraisal value above the level of Citi's risk rating. Such an appraisal value is difficult, and it is not easy. In the past, our Citi teamed up with government agencies from all over the world, and private group companies are not available, but relatively few."

"Given that Lanrun Group is currently a well-known company ranked 320 in the world's top 500, and its pharmaceutical, cosmetics and real estate development momentum are very good. It is a Chaoyang Group enterprise, and the use of all the loans obtained for development group construction is also in line with Citi's investment philosophy, so I estimate that this time the risk control rating will be relatively high, and it should not be difficult to reach level A."
Chapter completed!