Countercurrent 1982

Chapter 733 High Interest Loans

After Duan Yun parked the car at the gate of ICBC, he opened the door and got out of the car.

At this time, there were basically no people at the entrance of ICBC. It may be because the newly opened bank did not have a lot of depositors, so it seemed very deserted.

Duan Yun was dressed in a suit and leather shoes. As soon as he entered the gate of the bank, he attracted the attention of all the employees inside. A very capable young man with parted hair immediately greeted him with a smile on his face.

"Comrade, are you doing savings?" the man asked Duan Yun enthusiastically.

"I'm here to apply for a loan. Excuse me, are you here..." Duan Yun looked at the man and asked.

"Ah, I am the duty manager here, and my name is He Qiang!" The young man introduced himself.

"You are the manager. Hello, hello. My name is Duan Yun." Hearing this, Duan Yun immediately stepped forward to shake hands with him.

"You want to apply for a loan, let's come in and talk." He Qiang said with a smile.

People rely on clothes and horses rely on saddles.

Seeing Duan Yun in a suit and leather shoes, people dressed like this are very rare in Daxing, especially in an energy city like Daxing, where there are many upstarts in mining. He Qiang has learned before that many people have borrowed money from banks to open private mines. Such a character is not an ordinary person in the local area, so He Qiang naturally pays more attention to him.

Entering the reception room, after the two sat down face to face, He Qiang immediately handed Duan Yun a cigarette, and then said with a smile, "What is Boss Duan's business?"

"Uh, how do you know I'm in business?" Duan Yun asked in surprise.

"As for the clothes you are wearing, the material and workmanship are very good, ordinary workers can't afford them, and Mr. Duan, the plum blossom watch you are wearing should be the latest model..." He Qiang raised his eyebrows Said.

"Hahaha, now I know why you can become a manager at such a young age." Duan Yunwen smiled, and then said: "Actually, I am the manager of our Daxing Tianyin Electronics Factory. I came to your bank this time to borrow money. A loan..."

"Are you the manager of Tianyin Electronics Factory?" He Qiang asked in a daze.

"Yes."

"No, if I remember correctly, the legal representative of Tianyin Electronics Factory should be Gao Xiuzhi, how could you be the manager?" He Qiang asked with a slight frown.

"You actually know that the legal representative of our electronics factory is Gao Xiuzhi?" Duan Yun was a little surprised when he heard this. He didn't expect He Qiang to know the details of their factory, and he also knew that the legal representative of the electronics factory was his mother Gao Xiuzhi.

"We have a detailed roster of all the industrial and mining enterprises here in Daxing. Basically, I can remember all of them. Besides, Tianyin Electronics Factory is the only private enterprise in Daxing, so I am particularly impressed. "He Qiang said.

"So that's the case." Duan Yun suddenly understood when he heard the words.

It is obvious that Industrial and Commercial Bank of China has conducted some investigations here before establishing a branch in Daxing. In addition to the storage business of ordinary citizens, it mainly deals with some local enterprises in terms of loans. Only if the enterprise understands it.

And this He Qiang can actually write down the basic situation of all local enterprises in Daxing, and his memory is really extraordinary. It is no wonder that he can be the branch president here at such a young age.

"Then what are you..."

"Gao Xiuzhi is my mother. Before I opened this private electronics factory, I was the manager of the Red Star Labor Service Company, which conflicted with my public position, so I can only use my mother's name to register this electronics factory," Duan Yun explained. road.

"It turns out that you are the manager of the Red Star Labor Service Company. I'm sorry and disrespectful!" He Qiang's smile deepened when he heard this, and he said to Duan Yun: "The Red Star Labor Service Company is the number one export-earning enterprise in our province. The Longteng gearbox produced is exported to Southeast Asian countries. This is a very remarkable thing. I felt that your name was a little familiar just now, but I didn't remember it for a while..."

"Hehe, but now I have resigned from the Red Star Labor Service Company and concentrate on running the electronics factory. Our factory has advertised on CCTV. Recently, we have received a lot of orders, but we lack cash flow, so I thought of borrowing a loan from your bank." Duan Yun said to He Qiang with a smile.

"Manager Duan is really capable. I also watched the TV advertisement of your Tianyin Electronics Factory. It was shot very well. My 5-year-old son jumped up and down when he saw the advertisement of your factory. It was really good. Fashionable." He Qiang smiled, and continued: "But I don't know how much Manager Duan you want to borrow from our bank?"

"1000 million!" Duan Yun stretched out a finger.

"1000 million!?" He Qiang was shocked when he heard this.

"That's right, our factory's current funding gap is 1000 million. Although the amount is a bit large, I guarantee that we can repay the loan on time with the principal and interest, and we will never default!" Duan Yun said seriously.

"Manager Duan, the amount of 1000 million is too big. I know you are an excellent entrepreneur, but our bank loan also needs to go through some procedures, including the credit evaluation of your factory's fixed assets, and the need for mortgages. Your factory is really good. Is it worth so much money?" He Qiang asked with a slight frown.

"Manager He, let me tell you the truth. Our factory is owned by a leased labor service company. It cost me nearly 20 yuan to buy machinery and equipment. In addition, there are more than 100 skilled workers. This is all the assets of our factory..." Duan Yun pondered for a while and said.

Duan Yun didn't intend to hide anything from He Qiang, because if procedures were followed, the bank would definitely calculate its assets, so Duan Yun planned to tell He Qiang the truth, at least to leave a more honest impression on the other party.

"This... Manager Duan, I can fully understand your urgent need for a loan, but given the current situation of your factory, it is really impossible for me to lend you so much money..." He Qiang said helplessly.

He Qiang originally planned to lend Duan Yun a few tens to one million, but he didn't expect Duan Yun to open his mouth to ask for 100 million, and their factory didn't have so many fixed assets that could be used as collateral, so He Qiang was a little helpless.

"Manager He, although our factory does not have many fixed assets, I have orders for more than 3 speakers. If all these orders can be delivered, our factory will be able to pay back at least 2000 million yuan. This is a certainty. As far as I know, your bank’s interest on corporate loans is 3-5% every year, and I am willing to pay 8-10% interest, and I guarantee that all of the principal and interest will be returned to you within one year. We can open our corporate account to your bank, and we can establish a long-term cooperative relationship..."

(End of this chapter)