President Zhu from ICBC finally met Feng Yu today. As soon as he met, he quickly asked, is Taihua Company planning to change its corporate account bank
Feng Yu explained that because the company had some investments, it transferred some money to other banks, but the company account was still with ICBC and would not be changed.
This sentence reassured Governor Zhu. He is now at a critical stage. Taihua Company has so many rubles, US dollars and Hong Kong dollars in circulation every month. This is a huge achievement for him.
But this political achievement alone is not enough. Now the country is cutting interest rates to stimulate people's consumption, so the main assessment indicator of banks has changed from attracting deposits to lending.
In terms of attracting deposits, President Zhu is definitely far ahead. He is the No. 1 branch in the province and has no equal. However, in terms of lending, President Zhu is not very good. He ranks in the middle or lower among the branches in the province. This is very important for him if he wants to be promoted. Jobs, especially the desire to reach the position of deputy governor of a provincial bank in one step, is a big obstacle.
Governor Zhu originally thought that Feng Yu was talking to him about withdrawing money, but after Feng Yu finished talking about it, he actually started asking about the loan procedures.
No way, Feng Yu couldn't remember what procedures were required for a loan at this time, but it must be more complicated than later generations.
Manager Zhu's eyes lit up, Taihua Company wants a loan? This is great, I will lend you as much as you want, as long as I can make the decision!
President Zhu even hoped that Feng Yu could borrow an astronomical sum of money. Anyway, just use the profits of Taihua Company and Machinery Company as collateral, and he was not afraid that he would not be able to repay the loan.
Feng Yu saw that President Zhu was so enthusiastic when he heard about the loan, and he understood it after thinking about it. Now that the state encourages loans and consumption, ICBC must be shouldering a lot of tasks, right
Feng Yuzheng hopes to get more loans. All the money will be invested in the stock market. How much can he do in two years
"President Zhu, in fact, based on our company's capital situation, it is said that we don't need a loan. It's just that the company has a big business recently, so we plan to borrow a short-term loan. How is the interest rate of this loan calculated? How long is the repayment period? How will it be repaid? Law?"
Manager Zhu hurriedly and enthusiastically introduced to Feng Yu that the loan interest rate must be the lowest, guaranteeing that there will be no lower interest rate than this in the city, no, in the province. How about a three-year repayment period? In the first two years, only the interest is paid, and in the third year, the principal and interest are paid off together. Is there no pressure on you
Feng Yu was secretly happy, this was exactly what he thought. Although humidifier profits are still being generated continuously, and the machinery company also pays dividends every quarter, Feng Yu has no intention of repaying the loan in advance. Three years is just the right time, and the stocks should be sold by then. The funds have already been Return to the cage.
"President Zhu, how much money do you plan to lend to my company?"
"If we use the shares of the machinery company as collateral, we can lend you RMB 1,200. If we use the assets and income of Taihua Company as collateral, we can lend you RMB 10 million. Fengyu Logistics can lend you RMB 2 million. That pig farm you mentioned can get a loan of 500,000 yuan." Manager Zhu was shouting in his heart, mortgage it to us, mortgage it to us for a loan!
"President Zhu, isn't it? The market value of the machinery company's shares is now about 12 million, and the amount you loaned us is quite reasonable. But how can Taihua Company be worth 10 million? Taihua Company owns the Fengyu brand, and also We have trade with the Soviet Union, and our monthly turnover is several million rubles, so how can we lend so little?"
President Zhu's eyes widened. Feng Yu actually wanted more loans? Great, you think it’s less, no problem, how much do you want to borrow
"Mr. Feng, how much loan do you think is appropriate?"
"The shares of the machinery company and all the assets and income of Taihua Company are used as collateral. I hope to be able to loan 40 million RMB. As for Fengyu Logistics, I think we should be able to loan 4 million RMB. We have 80 GAZ cars. Well, isn’t one car worth 50,000 yuan?”
Well, although he did not have 50,000 yuan to buy a car, the car is worth this price now!
Before President Zhu said anything, Li Shiqiang looked at Feng Yu with wide eyes. What the hell, you want me to get a loan of four million? This...is this too risky? One year’s interest is not a small amount!
Li Shiqiang felt that it was enough trouble to buy this stock with all his own money, but Feng Yu actually asked for a loan. If you want a loan, just take a loan, if you insist on holding me back. Okay, I promised to follow up with a small loan, but you didn't tell me that I needed to borrow so much. If it still fails to pay, won’t the logistics company belong to the bank
Feng Yu quietly patted his brother-in-law's leg to calm him down. I said to open a hospital for my sister, but you insisted on coming. I said to expand like crazy, but you were restrained. With the current development speed of the logistics company, if you want to open a decent hospital, three to five years may not be enough.
Investing in stocks is different. In two years, with several times the profit, Li Shiqiang's net worth will skyrocket to tens of millions. By then, it will be no problem to invest in several hospitals, not just one hospital!
President Zhu asked with a trembling voice: "How much do you want to loan? Forty million?"
"It's 44 million."
Mr. Zhu's breathing was rapid, hahaha, it's done, it's done, it's time for me to be promoted. This year's task was originally 15 million short of it. With these 44 million, it has been overfulfilled and definitely ranked first in the province. If I don't get promoted, who will get promoted
"I'll figure it out, 44 million, no problem!" Even if there are some violations, President Zhu plans to go to the leaders personally and must lend money to Taihua Company, let alone Bingcheng. As far as the provincial tasks are concerned, they can be completed ahead of schedule. I don’t believe that the leaders will not be tempted!
When Feng Yu saw that Mr. Zhu was so talkative, he continued: "I also have an antique, a Ming Xuande stove. It is a real treasure and there are few in the world. A wealthy businessman in Xiangjiang plans to spend eight million to buy it, and I don't want more. With this This treasure is used as collateral for a loan of 6 million, a total of 50 million!"
Tsk~~~
Governor Zhu couldn't help but clicked his tongue, and his eyebrows twisted into the character "Sichuan". There is no precedent for antique loans in the province.
It is said that all valuable items can be mortgaged, but the price of this antique cannot be evaluated. Feng Yu said that some people spent 8 million to buy it, but they might not be able to sell it for 800,000 yuan.
"Mr. Feng, antiques are not easy to come by. There is no specific measurement standard and it is difficult to operate." Manager Zhu said with a look of embarrassment on his face.
Feng Yu looked at President Zhu: "Is it difficult? It doesn't matter. Then let's go to China Construction Bank for a loan. Director Liu of the credit department of CCB Provincial Bank has a good relationship with my father. I think I can still loan out 50 million if I use so many assets as collateral. of."
When President Zhu saw Feng Yu standing up, he quickly took Feng Yu's hand: "Mr. Feng, Mr. Feng, wait a minute, wait a minute, we have been cooperating for such a long time, don't you still believe me? I'll make a call. A phone call."
For merit and promotion, fight hard!
When President Zhu went out, Li Shiqiang couldn't help but ask: "Xiaoyu, why do you want to borrow so much money? What if you can't pay it back?"
Feng Yu looked at Li Shiqiang confidently: "Brother-in-law, don't worry, the money will definitely be repaid. Just talking about the overseas sales of humidifiers, do you know how much profit it can bring to Taihua Company this year? Ten million, US dollars! Next year There will be more in the year after next, so you definitely don’t have to worry about not being able to make it. We are now going to take the initiative and sweep the stock market. Wait until the end of the year. Maybe it won’t be the end of the year. By October, you can see us start to make money. Got it!"
If Feng Yu and the others can sweep the stock markets of the two cities, they will definitely be able to drive the stock market to take off in advance and boost the market!
What else did Li Shiqiang want to say? President Zhu came back and said to Feng Yu excitedly: "50 million, our ICBC and the Provincial ICBC will jointly loan you!"~~When I looked at the stocks today, they all dropped by the limit. The fourth child went crazy! ! ! Oh, I want to shit! Thanks to King Onimu, I Think I'm Good, and Snake~ for the rewards. Thank you, the fourth child feels a little comforted.
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