Chapter 156 Loans

President Zhu of ICBC finally met Feng Yu today, and immediately asked, is Taihua planning to change the company account bank?

Feng Yu explained that because the company has some investments, it transferred some money to other banks, but the company account is still with ICBC, and this will not be changed.

This sentence reassured President Zhu. He is now at a critical stage. Taihua Company has so many rubles, US dollars and Hong Kong dollars in turnover every month. This is a big achievement for him.

It's just that this political performance alone is not enough. Now that the country is cutting interest rates, it is to stimulate people's consumption. Therefore, the main assessment indicator of banks has changed from absorbing deposits to lending.

In terms of absorbing deposits, President Zhu is definitely far ahead. The province's No. 1 branch is second to none. However, in terms of lending, President Zhu is not doing very well. It ranks in the middle and bottom of the province's branches. job, especially the desire to become the vice president of the provincial bank in one step is a great resistance.

President 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.

There is no way, Feng Yu doesn't remember what procedures are required for loans at this time, but it must be more cumbersome than later generations.

President 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 amount. Anyway, the profits of Taihua Company and Machinery Company would be used as collateral, and he might not be able to pay.

Feng Yu saw that President Zhu was so enthusiastic when he heard about the loan, and he understood after thinking about it. Now that the state encourages loans and consumption, the City 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 financial 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 take a short-term loan. How is the loan interest rate calculated? How long is the repayment period? Law?"

President Zhu hurriedly and enthusiastically introduced to Feng Yu that the loan interest rate must be the lowest, which guarantees that the whole city, no, guarantees that there is no lower interest rate than this in the whole province. How about a three-year repayment period? In the first two years, only the interest will be repaid, and in the third year, the principal and interest will be repaid together. No pressure on you, right?

Feng Yu was secretly happy, this is exactly what he thought. Although the profits of the humidifier are still being generated continuously, and the machinery company also distributes dividends every quarter, Feng Yu has no plans to repay the loan in advance. Three years is just right, and the stock should be sold at that time. Return to cage.

"President Zhu, how much do you plan to loan my company?"

"If the shares of the machinery company are used as collateral, I can lend you 1,200 RMB. If the assets and income of Taihua Company are used as collateral, I can lend you 10 million RMB. Fengyu Logistics can loan 2 million. The pig farm you mentioned can have a loan of 500,000 yuan." President Zhu yelled in his heart, mortgage it all to us, mortgage it all to us for a loan!

"President Zhu, isn't that right? The market value of the machinery company's shares is now around 12 million. It's reasonable for you to lend us this amount. But how can Taihua Company be worth 10 million? There is trade with the Soviet Union, and the turnover is several million rubles per month, how can such a loan be given?"

President Zhu's eyes widened, Feng Yu actually wanted to borrow more money? Great, you think less, no problem, how much do you want to borrow?

"Mr. Feng, how much do you think the loan is appropriate?"

"The shares of the Machinery Company and all the assets and income of the Taihua Company are used as collateral. I hope to lend 40 million RMB. As for the wind and rain logistics, I think we should be able to loan 4 million RMB. We have 80 GAZ vehicles. Well, isn’t one worth fifty thousand yuan?”

Well, although he didn't pay fifty thousand yuan to buy a car, the car is worth the price now!

President Zhu hasn't said anything yet.

Li Shiqiang stared at Feng Yu with wide eyes. What the hell, you asked me to loan four million? This... is this too risky? One year's interest is not a small amount!

Li Shiqiang thought it would be a hassle to buy the stock with all his own money, but Feng Yu actually needed a loan. If you take a loan, just take the loan, and you must drag me. Well, I promised to borrow a little money as well, but you didn't tell me to borrow so much. If not, wouldn't the logistics company be owned by the bank?

Feng Yu quietly patted his brother-in-law's leg to make him calm down. I said to open a hospital for my sister, but you insisted on coming, and I said to expand wildly, and you were tied. With the current development speed of the logistics company, it may not be enough to open a decent hospital in three to five years.

Investing in stocks is different. In two years, with several times the profit, Li Shiqiang's net worth will skyrocket to tens of millions. At that time, let alone investing in one hospital, it will be no problem to invest in several!

President Zhu asked tremblingly, "How much do you want to borrow? Forty million?"

"Forty-four million."

President Zhu is short of breath, hahaha, it's done, it's done, it's time for me to be promoted. This year's task is still 15 million short, with 44 million, overfulfilled, absolutely the first in the province, if I don't get promoted, who will be promoted?

"I'll figure it out. It's 44 million, no problem!" Even if there are some irregularities, President Zhu plans to go to the leader himself, and he must lend money to Taihua Company. As far as the province's tasks are concerned, they can be completed ahead of schedule, so I don't believe that the leaders are not tempted!

Feng Yu saw that President Zhu was so talkative, and continued: "I still have an antique, the Daming Xuande Furnace, a real treasure, and there are few in the world. A rich merchant in Xiangjiang plans to spend 8 million to buy it, and I don't want more. With this A baby as collateral, a loan of 6 million, a total of 50 million!"

Tsk~~~

President Zhu couldn't help smacking his tongue, and his eyebrows twisted into Sichuan characters. There is no such precedent in the province for antique loans.

It is said that any valuable item can be mortgaged, but the price of this antique cannot be assessed. Feng Yu said that someone bought it for 8 million yuan, but it might not be sold for 800,000 yuan.

"Mr. Feng, antiques are not easy to get. There is no specific measurement standard, so it is difficult to operate." President Zhu said with a look of embarrassment.

Feng Yu looked at President Zhu: "Is it difficult? It doesn't matter. Let's go to CCB 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 get 50 million with so many assets as collateral. of."

When President Zhu saw Feng Yu stand up, he quickly took Feng Yu's hand: "Mr. Feng, Mr. Feng, wait a moment, wait a moment, we have cooperated for so long, don't you believe me? I'll make a call, call a phone call."

For merit, for promotion, fight!

When President Zhu went out, Li Shiqiang couldn't help asking: "Xiaoyu, why do you want to borrow so much money? What if you can't pay it?"

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 will bring to Taihua this year? Ten million, US dollars! Next year There will be more in the next year, so you absolutely don’t have to worry about it. We are going to seize the opportunity now and sweep the stock market. Wait until the end of the year, maybe it won’t be the end of the year. Wait until October, and you will see that we start to make money Already!"

Feng Yu and the others can sweep the stock markets of the two cities, and they will definitely drive the stock market to take off in advance and drive the market!

What else did Li Shiqiang want to say? President Zhu came back, and excitedly said to Feng Yu: "Fifty million, our city ICBC and Provincial ICBC will jointly loan you!"~~ When I looked at the stocks today, they all fell by the limit, and the fourth brother went crazy! ! ! Ugh, I want to shit! Thanks to Emperor Guiwu, I think I'm fine, Snake~ for the reward, thank you, the fourth child has a little comfort.

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