Chapter 845 The Banker's Private Talk

In the provincial capital, at night, President Huang of the Provincial Industrial and Commercial Bank of China hosted a banquet for a group of people from the head office.

It's not that Mei Yiliang didn't invite him, but Director Wang refused, so he didn't insist. That's what his nephew said.

Regardless of whether the loan will be completed or not, Director Wang does not want to get close to the people of the company on the first day.

From last year until recently, several senior employees of the bank with outstanding ability and little reputation in the world banking circle were successively investigated and dealt with for illegal lending. At such a sensitive moment, such a large amount of loan must be watched by everyone. with.

In addition, because of Feng Yiping, Jiasheng is always the focus of some media attention, and he doesn't want to follow the truth.

But how could reception be a problem for teams like them that travel from headquarters to local areas?

On the issue of hospitality, the government agencies have to leave some leeway, because the government's related accounts are now subject to some audits, and the single entertainment fee is too high, so it is not easy to deal with such accounts.

Public institutions are different, there are more items that can be reimbursed, not to mention that banks are short of everything, but they are not short of money, and the top leader in the province, President Huang, comes forward in person, so the seafood dinner at night is naturally Extremely high end.

Not to mention the various fresh seafood, you can get a glimpse of it from the wine that accompanies the meal.

The drinks are all brought by the bank, and the liquor is Moutai from 15 years ago, and it is rare to keep the packaging with the characteristics of the time.

There are two types of wine, Chateau Ausone 96 vintage red wine from Chateau Ausone in France, and Riesling white wine from German Chateau Immo.

When it comes to wine, the first thing that comes to mind is France, and maybe Italy, or Spain. In fact, the best white wine comes from Germany, which people only think of as manufacturing.

You can drink whatever you want. In China, the matching of dishes and wine is relatively casual.

As for President Huang and Director Wang, who know wine best, they drank Noble Rot Riesling with selected raisins from Yimu Winery. It is not expensive, and a bottle is less than the price of a van.

Of course, President Huang certainly doesn’t think it’s expensive—it’s all given away by others anyway.

Director Wang didn't have much feeling either, he had also stayed at the grassroots level and was familiar with these routines.

"How did you feel on the first day?" President Huang asked Director Wang after taking a sip of the sweet, mellow, elegant and refreshing noble rot wine.

"So I've also heard people say that this is a company that has never had a loan. I still don't believe it. In this era, how can there be such a primitive company? Looking at it today, it is indeed the case,"

Director Wang smiled self-deprecatingly, "Did you know that even a company like Youjia Convenience Store purchases a large amount of goods every day, and they don't owe their suppliers a penny, they pay first and then ship later!"

"I know of other small-scale convenience stores or supermarkets in China. Not to mention the three-month billing period, there are not many that require suppliers to provide at least one month's billing period."

"However, the benefits of doing so are naturally obvious," Director Wang said. "Although we only have a rough idea, the profit of Youjia Convenience is definitely the highest among domestic peers, and the supply must be the most timely."

"Hehe, we didn't believe it. How could Jiaqiang get so much financial support for its rapid expansion? Later, we really believed it. They really don't lack money. The leaders of the construction committee have praised it several times for not being in arrears with a single project payment," President Huang shook his head, "Our vice presidents have taken the initiative to personally visit the door to sell, and they are not interested at all."

"I think Jiaqiang's layout is very good. There are more than 2,000 convenience stores, and the average daily cash receipts are at least more than 3 million. There are also its express hotels and five-star hotels, plus the same chain of infants and young children. Supplies and silk product stores, as well as other decoration companies, logistics companies, furniture companies, food companies..., and media companies that are very hot recently," an employee at the headquarters counted his fingers, "to add up, the most It is conservatively estimated that at least 6 million cash can be added to the account every day, and nearly 200 million a month!"

"No, no, you missed a lot, and seriously underestimated it," President Huang retorted. "You didn't count another listed company, Automobile.com, and the advertising fee you received that day was not a small amount, right?"

"There are also Jiasheng Group's home-flavored noodle restaurant, Shanghai's lithium battery park, and the magical workshop in the capital. Although the name is strange, it is also a very profitable company. It now exports tens of thousands of units every month. EMU, that’s more than 5 million US dollars, and the very successful magazine in Hong Kong,”

"So, whatever you want to add, their daily cash income of 10 million is a small amount. Do you think I'm right, Director Wang?"

"At least 10 million is available," Director Wang nodded, "So, Mr. Xiao Feng's title as the richest man is really worthy of his name."

"I can't figure it out. The Jiaqiang Group has expanded so fast in just a few years. Where did it get the financial support from?" A young man asked curiously.

"We only need to review the current situation of Jiaqiang, don't worry about these issues," Director Wang said next.

For many entrepreneurs today, this issue is generally very sensitive, and it is unspeakable and difficult to talk about.

"I have no other meaning, just a little curious,"

"Then you'd better keep your curiosity in mind," Director Wang glanced at the young man. Is this question easy to ask? Still too young.

Seeing that the young man was a bit awkward, President Huang smoothed things over, "Actually, we all know something about this issue. Everyone knows that Jiaqiang's own hematopoietic function is very good now. They really don't need financing for ordinary projects."

"As for the funds in the start-up period, we can be sure that they all come from outside the mainland. To be precise, most of them come from foreign banks in Hong Kong, and they are all in US dollars. Hehe, in order to become the opening bank of Jiaqiang, several of us did not It took a lot of effort."

"Hong Kong?" Director Wang thought about the year when Jiasheng's large-scale expansion began, and seemed to understand a little bit.

"Yes," President Huang understood what he was thinking, and said with a smile, "he took a year off from school that year,"

"Is that true?" Director Wang asked.

Although it was possible, he really didn't believe it.

"Really," President Huang said firmly.

For the customer of Jiaqiang, their bank has also put in a lot of effort.

"He should have been investing. We believe that his large investment in Silicon Valley last year should also come from the capital market,"

"He is really a genius," Director Wang said with emotion, "It seems that even if he is not in business, he can become a top trader in the world."

"Absolutely," President Huang said, "So, I don't have such a big authority, otherwise, our branch wants to take over such a loan. Since he wants to do such a big project, he must be sure. Moreover, The rewards will definitely exceed our imagination,”

"Old Huang, this matter is done. I'm afraid it won't be your branch's turn to undertake it. I can't help it. To be precise, the domestic branch may not have a share. The follow-up matters should be taken over by the branch in the United States. ,"

Director Wang thought that President Huang had this idea, no wonder the reception was so warm, so he explained carefully.

"Director Wang, don't think too much about it. I know this naturally. We occupy such a large loan and we occupy a good location. Of course, I want to let us handle some of it. Of course, we don't force this. My main purpose is to hope that Take this opportunity and let Jiasheng transfer to our bank to open an account,"

"Where do they open an account?"

President Huang and Director Wang clinked glasses, "It turned out that they chose to open an account with Bank of China because there were too many dollars in the account,"

"Oh, then this should be fine," Director Wang said bluntly, "As long as we can cooperate this time, Lao Huang, you will definitely have an extra big client."

He immediately expressed his attitude to President Huang, "Based on the current situation, as long as other Jiaqiang companies are in good financial condition as we imagined, and there is no other force majeure, I am still optimistic about this loan."

Wen Xian knows the meaning, he understands President Huang's worry, if the business fails, then President Huang's wish will most likely come to nothing.

The bank is the god of many companies, but for a big account like Jiaqiang, it is also the god of the bank. Domestic bankers, if they know the daily cash flow of Jiaqiang, they will all drool.

"Besides, this is a project that the leaders of the head office are personally concerned about. Don't worry, there won't be so many twists and turns in it," he said in a low voice.

"That's good. It seems that our branch's performance will go up this year, and it will definitely be no problem," President Huang was very happy.

"That's for sure, but you have to worry about the Bank of China looking for you desperately,"

"Come here, why don't they have the ability and courage to do this business?" President Huang laughed.

"Then I'll wait to see you at the head office," Director Wang said, naturally saying that President Huang will be promoted because of his outstanding business.

At this time, the secretary of the accounting firm at another table came over and whispered in his ear, "The president, the owner of this restaurant, wants to come over to toast."

"Well, let's do it," President Huang will be very happy with Director Wang's private statement, so it's easier to talk.

After a while, a middle-aged man with a short stature and a smile on his face came in accompanied by his secretary. He held a glass in one hand and a bottle of Moutai in the other, "President Huang, Director Wang, leaders, everyone Come, let us really flourish, let me toast to everyone first, "

The person who came was Liu Jizhong, the owner of Dongcheng Seafood Restaurant.

"Boss," President Huang said with a smile while sitting there, "you toast to so many of us?"

"Don't dare, President Huang. My surname is Liu. Just call me Xiao Liu." Liu Jizhong poured a glass full of Moutai, "President Huang, I respect you, you can do whatever you want!"

"No, this is Director Wang from our head office," President Huang pointed to Director Wang next to him.

"It turned out to be the leader of the head office. It's a pleasure to meet you! Director Wang, it's an honor to meet you," Liu Jizhong raised his neck, and drank a lot of liquor in one gulp.

ps: In the last few hours, I sincerely ask for tickets!