Chapter 303: 10 Million Is Too Little, How About a Loan of 100 Million?

| | | -> -> "Comrade, is this the ICBC Credit Department?"

"Yes, hello, what business do you need to do?"

"That's right. I'm the person in charge of Hot Pot Xishi. Recently, I want to expand my business and want to loan 10 million RMB to your bank. Do you think it will work? This is my ID card and the registration information of our Hot Pot Xishi."

Chen Simian took the documents and really went to an Industrial and Commercial Bank of China in the center of the CBD of Shencheng.

"Hotpot Xi Shi, so you are the boss of Hot Pot Xi Shi. Your hot pot restaurant is very famous in our deep city."

"thanks."

"You're welcome, I have also eaten at your hot pot restaurant, and the service is very good. However, I want to ask, do you have a mortgage there?"

"mortgage?"

"For example, real estate, fixed assets or something?"

Chen Simian shook his head: "No."

"I'm sorry, it's very difficult for us to provide you with such a large loan without collateral."

"Didn't you say that our hot pot Xi Shi is very famous."

Chen Simian was a little embarrassed.

It has long been known that bank loans are not so easy to obtain.

It's a shame that I still believed what Xiaoyu said.

"Mr. Chen, I'm really sorry, there are bank rules for bank loans. Your Hot Pot Xi Shi is indeed very well-known, but after all, it has not been established for a long time, and you have no fixed assets. If you look at your scale, we can at most I'll give you hundreds of thousands of credit."

"What's the use of hundreds of thousands."

"Mr. Chen, it is precisely considering that you are the person in charge of Hot Pot Xishi, that we have hundreds of thousands of credit loans. Otherwise, ordinary people can only have credit loans of 20,000 yuan at most."

"Forget it, no need."

Chen Simian didn't want to talk anymore, he was about to leave.

"Mr. Chen, are you a legal person of Universal Technology?"

Suddenly seeing another information displayed on the computer, the ICBC credit officer asked.

"Uh……"

Chen Simian was a little puzzled, but still said: "Yes."

At the beginning of the establishment of Huanyu Technology, Chen Simian's ID card was used, so Chen Simian was also the legal person of Huanyu Technology.

"Mr. Chen, you are so humble. Why didn't you say that you are a legal person of Universal Technology."

"This, this, I'm mainly taking a loan for the hot pot Xi Shi."

"It's okay, the 10 million limit is not a big deal. It's the same for any company."

"Didn't you just say that 10 million is a big deal?"

"Mr. Chen, stop laughing at me, I'm wrong, can't I be wrong?"

The credit officer of ICBC kept apologizing to Chen Simian: "Well, Mr. Chen, will your loan of 10 million be too little?"

"10 million is a bit small."

These days, Chen Simian has also studied it. If he wants to get these channels down, he has to invest more than 20 million in the initial stage. But this was just the beginning, Chen Simian didn't have the courage, so he first borrowed 10 million as Chen Yu said.

"Yes, I said 10 million is too little, or you can modify it and loan 100 million."

"100 million?"

Chen Simian was stunned: "Just kidding.

"

"how come."

The ICBC credit officer looked serious.

"You really loan me 100 million?"

"Is this still fake?"

"Aren't you afraid that I will run away with the money?"

"Look at what Mr. Chen said, if you can run away, neither can you Huanyu Technology."

"But Huanyu Technology doesn't seem to be worth 100 million."

Although Chen Simian knew that Huanyu Technology developed by his son was very powerful, but it was very powerful, and 100 million was too scary. Moreover, the company started by my son has not seen any products, and I don't know if it is worth 100 million.

Anyway, Chen Simian never knew what business his son was doing, only that there were hundreds of employees.

"Don't, don't... I don't want to loan 100 million yuan. I really want to loan 100 million yuan. You can't ask me to mortgage 100% of Huanyu Technology's equity to you."

Although Chen Simian is honorably a legal person of Huanyu Technology, but this is his son's, how can he move.

If Hot Pot Xishi loses money and affects his son's company, it will not be worth it.

"Mr. Chen is joking again. You Huanyu Technology's current market value is at least 30 billion yuan. If you loan 100 million yuan, you only need to mortgage 1% of the equity to us."

"What?"

Chen Simian was stunned: "You said that Huanyu Technology is worth 30 billion?"

"Sorry, sorry, I said at least, some experts estimate 40 billion. However, we will comprehensively evaluate the specific amount, and we will never underestimate you."

"Well, let's go here today, I'll go back to the company first."

"Mr. Chen, don't go. If you have something to discuss, I will ask our manager to come over and talk to you in detail. What do you think?"

"Don't go, it's okay not to pledge the equity, how about we give you a personal guaranteed credit loan of 10 million?"

However, at this moment, Chen Simian left ICBC with the information in hand.

As for the reason, he had to go back and calm down.

more than 30 billion.

40 billion...

Is this really my son's company?

...

"Son, Dad asked you something."

"Dad, you said."

"How much is your Huanyu Technology worth?"

"This, I don't know."

Chen Yu shook his head.

Huanyu Technology is not listed at present, and he does not know how much it is worth.

"Why don't I know, how can I hear people say that your company is worth a lot of money."

"who said it?"

"The people from ICBC."

"Dad, did you take out a loan?"

"Well, I asked about it today, and I said that the loan was 10 million yuan, but they didn't lend it to me at first. Later, they checked the information and found that I was a legal person of Huanyu Technology, and suddenly changed their minds and said they would lend me 1 billion."

"Since you can take out a loan, it's good to dare."

"Xiaoyu, are you bullying me for something?"

"Dad, I have something to bully you."

"Then tell me how much your Huanyu Technology is worth?"

"This is..."

Chen Yu had a headache: "I really don't know the specifics, but some experts have given an estimate, about 30 to 40 billion."

"Thirty or four billion, my God... it turned out to be true."

Chen Simian was completely stupid.

He did not expect that his son turned out to be a billionaire.

No no no... still a billionaire.

"Dad, Dad...what's the matter with you?"

"No, nothing."

It took a while for Chen Simian to wake up from the shock: "Son, do you still need a loan?"

"Loan, why not?"

"But son, you have tens of billions of identities, so why am I still making money?"

"It's not about making money, it's not your business."

"Hey...it seems to be right."

Chen Simian scratched his head: "Let's do this first, Dad is hanging up."

There were still some things that were not clear, Chen Simian hung up the phone.

"Oh, Dad..."

Chen Yu smiled.

This news is indeed a bit shocking.

But Chen Yu believes that Dad will accept it soon.

...

"Chen Yu, what's the model of your hot pot restaurant?"

"Aren't you stealing teachers these days, why didn't you see it?"

"Did not see it."

Yang Bin shook his head: "At first I thought it was service, but later I found out that it was not service. But the problem is that all customers come to the store, and the highest evaluation of us is also service."

"You should continue your research."

Chen Yu didn't answer directly, and clicked on the YY music player to listen to the song and relax.

Recently, YY Music Player has added the setting of proofreading lyrics, and YY Music Player has suddenly exploded.

All kinds of karaoke-style lyrics that are accurate to the word have become a highlight of YY music player.

Hottest song of the week.

Chen Yu chose the hottest song of the week for audition.

【I hear your voice, I have a special feeling... 】

Closing his eyes, Chen Yu listened to the song and felt that the fatigue of his whole body was swept away.

"Chen Yu, what's the name of your song?"

"Which one?"

"Is this the current song?"

"Mice love rice."

Chen Yu blurted out.

Just after finishing speaking, Chen Yu was also taken aback: "Rats love rice?"

Isn't this the most popular Internet Divine Comedy in the past life?

Opening his eyes, Chen Yu understood what was going on when he saw that "Mouse Loves Rice" appeared on the YY Music Original Channel.