Chapter 417 Loan Negotiation

Early the next morning, Su Ruoyan's side had already started to act. First of all, it is natural to go to the company to arrange a little bit of tasks, because the new funds have not yet been in place, and many things cannot be implemented. Now I just implement it according to the original plan. The main thing is whether the new funds can be obtained. Su Ruoyan has already said it on the board of directors, she must be able to get a loan, but although she is very confident in what she said, she still has no idea to be honest, because I don't know if Li Huailin can think of a way, look As of yesterday, Li Huailin was very sure of his promise, and Su Ruoyan also believed him, but Su Ruoyan didn't know what the other party would do.

Although I didn't receive a call from Li Huailin this morning, Su Ruoyan didn't call all of them, because Li Huailin said that he would reply to Su Ruoyan within a day, and now the time is not up yet, Su Ruoyan didn't want to rush, but directly I chose to go to Huaxia Commercial Bank.

Walking into the head office of Huaxia Commercial Bank in Xs City, he expressed his intention to come. Soon, the head of the Min Bank here took the initiative to receive Su Ruoyan. One of the best large groups, the president here dare not be too negligent.

"Manager Su, we already know the purpose of your visit, but I can ask a question, the cooperative bank of your group has always been Huaxia Construction Bank, and it seems that we have no major contacts with our Huaxia Commercial Bank. I don't know why this time Will you suddenly find us to cooperate?" The head of Minhang here also asked very strangely.

"I need funds urgently now, but China Construction Bank does not have so much funds to provide us, and we have heard that your bank has withdrawn a large amount of funds recently, so I thought of cooperating with you." Su Ruoyan at the side replied.

"A big wave of funds?" The head of Minhang here was a little puzzled, "I wonder how much Tiancheng Group needs to borrow this time?"

"260 million." Su Ruoyan replied immediately.

"260 million?" Min Hangchang was shocked immediately, this is not an ordinary figure. Because he just talked about this matter with Baifeng's people yesterday, Baifeng Group has already submitted a loan application at the beginning of this month, the amount is exactly 260 million, and this loan has entered the final review stage , if there is no major problem with the information provided by the other party, the loan will be credited to the other party's account within three days. But now that Su Ruoyan mentioned this number, the president here immediately understood what the other party meant.

"Is Manager Su eyeing the loan from Baifeng Group?" Minhang Zhang said immediately, "Manager Su, although I don't know where you got the news from, I can tell you that our bank is indeed withdrawn now." 260 million funds are going to be loaned to Baifeng Group, and this fund has entered the final review stage, and the fund will be loaned out within three days. You are only now saying that you want to loan this fund. Yes It's not too late, and taking a step back, we have always had a good relationship with Bai Feng, but this is the first time we have cooperated with you.

Due to emotion and reason, it is impossible for this fund to be loaned to you instead of Bai Feng. "

"As far as I know, there seems to be a problem with the operation of Baifeng Group, and it has been in a state of deficit." Su Ruoyan said with a slight smile. "Minhang, should we now consider whether Baifeng Group really has the ability to repay the money?"

This sentence made Chief Min hesitate for a while. Indeed, Baifeng’s loan didn’t need to be so troublesome at all. Now it’s been more than half a month just to check the other party’s financial situation, just to see if the other party has the ability to repay, and it’s not enough to understand after half a month. Chief Min made a judgment. Thinking that the other party still has this ability, I made up my mind to lend it to the other party, so I agreed.

After thinking about it, Director Min said affirmatively: "According to the current situation of the other party, I think the other party should still have the ability to repay. Especially next month, the other party's real estate Linjiang Garden will be on sale, and the funds should be very fast." Get it back quickly, I don't think it's a big problem to repay the loan. In short, Manager Su, let me tell you clearly, under the same conditions, we will definitely consider Baifeng Group, which we have cooperated with for many years, instead of you. "

"Under the same conditions?" Su Ruoyan asked here.

"Of course, we are all businessmen. If there are better conditions on your side, we will naturally consider it." Min Hangchang said with a slight smile.

Su Ruoyan naturally understands what the other party means. Although Minhang Zhang and Bai Feng have been friends for many years, as long as the conditions here are better than the other party, he will naturally choose himself. After all, it is a business, but these conditions should also be Not very good conditions, for example, increasing the loan year, increasing the loan amount, or directly burdening you with some bad funds are not good things for Tiancheng Group.

"Our loan conditions are the same as Baifeng's. The interest rate is 6.58% for one year." Su Ruoyan said that one year is a relatively important watershed, because loans within one year are short-term loans with relatively low interest rates, while one year The above loans belong to medium and long-term loans, which is another interest rate.

"Hehehe..." Director Min really smiled, "Manager Su, I just said that since the conditions are the same, why should I choose you instead of Baifeng Group, an old customer that has cooperated with us for decades? Manager Su, to be honest, I haven't seen any sincerity from your Tiancheng Group until now. I think we should have nothing to cooperate with. You should go to your cooperative bank to discuss the loan. My side ..."

Director Min obviously meant to refuse. Although Su Ruoyan didn't show any expression, Tian Jing, the secretary on the other side, was in a hurry. She was just sent to be Su Ruoyan's secretary, and she didn't know that Su Ruoyan What is the ability, but seeing that this first thing seems to be messed up, I am really a little anxious.

"Wait, Chief Minhang..." Tian Jing stood up hurriedly and said, "Why don't you take a look at our company's materials first."

Tian Jing meant to procrastinate for time first, and then think of a way, otherwise the other party will see off the guest directly, but Minhang Zhang seemed to have made up his mind, and waved his hand and said: "I don't think so, I have something to do now, how about ..."

Before President Min could finish his sentence, the door of the reception room rang suddenly, and through the glass, President Min could see his vice-president gesticulating with him anxiously at the door.

"You two wait a moment, I'll go and see what's going on." President Min looked at his vice president as if he had something urgent to say, so he said something to Su Ruoyan, and then stood up to the door.

"Manager Su, it's impossible for us to get a loan like this." Seeing that no one was there, Tian Jing immediately whispered to Su Ruoyan, she has a professional background in finance, and has been in this industry for almost ten years now. I thought that Su Ruoyan here probably just graduated from university and didn't understand much, so she said with the intention of teaching, "If we don't give them some benefits, we won't be able to get a loan. After working together for so many years, you said that you have nothing to do in private, this is impossible..."

"Don't panic." Su Ruoyan stretched out his hand to stop Tian Jing's words, "I didn't know much about it before, but just now, I suddenly got the victory point."

Su Ruoyan took out her mobile phone while talking, just when she was talking, Su Ruoyan suddenly received a text message from Li Huailin, the words on it were very simple: "It's settled, don't worry."

"Victory point?" Tian Jing didn't know what was going on, and asked inexplicably, "What victory point?"

Just as Tian Jing finished speaking, Minhang Zhang at the door suddenly came back sweating profusely, then immediately sat in front of Su Ruoyan, and said very seriously: "Manager Su, that... I think about it carefully. After thinking about it, there should still be room for cooperation between us and Tiancheng Group, especially this time. Originally, Tiancheng Group is also the leader in the real estate industry in our xs city, and if we cooperate with our commercial bank, that would not be a strong alliance, a great thing, I think we should talk about the loan very carefully, but now there is an emergency, I need to deal with it a little bit, I don’t know if Manager Su is free tomorrow or the day after tomorrow, let’s meet again and talk about the loan question, do you think it will work?"

"Oh? Does Chief Min Hang really mean that?" Everyone can see the 180-degree change in the other party's attitude. Su Ruoyan also smiled slightly, and said with a hint of teasing.

"Yes, our side is really sincere." Chief Min said immediately.

"Okay, in that case, I'll visit again tomorrow." Su Ruoyan stood up after finishing speaking, and then slightly shook hands with Chief Minhang who was opposite, "I hope we can have a happy cooperation."

"Well, definitely." Chief Min also stood up and said.

Walking out of the door of the bank, Tian Jing on this side has not yet reacted. Why did the other party change so much all of a sudden? She seemed to be unwilling to talk to her side with a high-profile face, but the next second it turned out to be flattering. , looked at Su Ruoyan beside him, Tian Jing just wanted to ask what was going on, but suddenly pressed the button, her mobile phone rang, Tian Jing quickly answered the phone.

"Yes, it's me, you said... huh? What? Wait, is it true? I'll check it online, okay, I'll be right away." Tian Jing hung up the phone, and immediately started to search online with her mobile phone.

"What's wrong?" Su Ruoyan next to him asked.

"A major accident happened at Baifeng's construction site." Tian Jing said with a face full of surprise. (To be continued..)