Roaming in the dark

Chapter 312

"There are all kinds of companies, there are all kinds of companies, some are short of money, and those who need loans are basically short of money, including large companies. You can see that they have made tens of millions of sales a year, but in fact It's a hollow radish, with a high debt ratio, and actually doesn't have much money.

"Especially those who are engaged in real estate, why do they fall as soon as they say it, because their funds mainly rely on external input, just like ICU patients, they need blood transfusions to survive. There was a problem, the ICU equipment malfunctioned, and he died soon.

"He doesn't have the ability to make blood. You see, the money he earns every year is used to pay for the cost of borrowing. What to do if you don't have money, then find a way to borrow again. The debt is like a snowball, getting bigger and bigger. It looks like it is still moving, but it is actually a vicious circle.

"There are also some companies that have too much money to spend, and there are piles of cash in their accounts. They are not short of money at all. In Hangzhou, for example, Wahaha and Nongfu Spring, they never take out loans, and there is no bank. , can do their loans. Including here, the same is true for the Banmutian Group, they have never loaned.

"For our bank, when we see the enterprises in front of us, we are terrified. If there is any trouble, all the banks can't sleep. When they encounter the enterprises in the latter place, they don't care about our bank at all. On the contrary, they all We begged them, asked for their deposits.

"Banks have a loan-to-deposit ratio. How much you can borrow depends on how much deposit you have, so everyone is pulling deposits. Personal deposits have been swiped by Alipay and WeChat, and by online loan companies. , now every bank is pitifully small, only relying on unit deposits.

"A good unit like this, a unit with a large cash flow, Wahaha, Nongfu Spring, Half Acre Field, Lingyin Temple, must be the key public relations targets of every bank, and they can attract their deposits. Then thank goodness it will be maintained.

"If you have the ability, let this kind of unit make a loan from you, what does that mean? It means that they send money to your bank in turn. They are obviously not short of money, but they still want to borrow money from you. Is it for nothing? Have you paid interest on your loan?
"Such a client, we don't want to make a relationship, don't invite him to dinner? I'm afraid we won't be able to invite him."

Sun Hong talked to them, and the three of them understood a little bit. Sheng Chuncheng asked:

"Then are there any clients like this who ask you for a loan even though they don't need money?"

"There are still some companies. It's not that they have never been short of money, but they are not short of money now. He was short of money before, and he went to the bank, and the bank also helped him. There is face and favor in it. In order to repay this favor, the boss will sometimes give us a fortune so that we can complete the task.

"There is another kind of boss who thinks farther and thinks that although he is not short of money now, he may still be short of money in the future. He wants to maintain the relationship with the bank and do some business for us. .

"There is another kind, especially those state-owned enterprises. You just need to know about it. Don't go out and talk nonsense. Anyway, the interest paid is not taken out of his personal pocket. If you are good to you, just make a pen for you.

"Of course, there are also those who get benefits from the middle for the sake of individuals. Anyway, for all of these, I have to treat guests, chase after them, and let them do a business for me."

Sun Hong seemed to be happy with the wine, facing a few people who had no conflict of interest with her, it didn't matter if she said some things, she talked a lot, and laughed while talking, so that Sheng Chuncheng and the others couldn't figure it out.

Xiaoan asked: "Sister Sun Hong, did you drink too much?"

Sun Hong shook her head and said, "No, no, I just thought of a funny thing, very embarrassing."

"Hurry up and share it, let us also learn a lot." Sheng Chuncheng said.

"Okay, I'll say it, I'll say it." Sun Hong said to them with a smile.

"I won't say which company it is. It's from Hangcheng. I spent a lot of energy the year before last to get a loan of 5000 million yuan. That company is what I said was not bad for money. that kind of company.

"But no matter what the company is, as long as it is a loan, the process is the same, the procedures are the same, and the guarantee conditions still need to be provided. I will go to their chairman and talk to him about what collateral their company can provide. Either land or real estate.

"The chairman looked at me and said, why is it so troublesome? I still need to evaluate it, and I have to go to the relevant department to go through the formalities. That's it, I will directly take 5000 million cash in my account as a pledge to guarantee my own loan. , can you?

"I'm going, my face was burned at the time, and they slapped me in the face, which means that I agreed to lend this money, which is already giving you face, and you still have to do things to figure it out. Really, if there was a hole in the ground, I went in.

"But there is no way. To do a good job in this business, this step must be taken. At that time, I said cheekily, Chairman, it would be the best if this can be done.

"The chairman looked at me, shook his head, smiled, called their chief financial officer over, and really instructed him to do so.

"Haha, this business has caused a sensation in our entire Hangzhou Bank. It's not that this business is huge, but that there is no such practice. There is probably no such precedent for banks across the country. Take 5000 million cash Guarantee yourself, loan 5000 million, what kind of operation is this? Don’t you have money and nowhere to spend it, and donate to the bank for nothing?

"Just this order made me a celebrity in our industry, that is, after this order was completed, I was promoted to vice president.

"The chairman told me later that he didn't need money. He made this order because he saw me running to them every day for more than a month. He said that I reminded him of himself when he was young. , he was like me at that time, when he started to do things, he was also a muscle, and he would not turn back.

"However, in their age, they have more opportunities than us, and the possibility of getting ahead is greater than ours. He looked at me and felt distressed, so he thought that no matter what method he used, he had to make this order and help me.

"I am very grateful to the chairman until now, but unfortunately, he passed away due to cancer last year."

After Sun Hong finished speaking, everyone in the box was silent.

Sheng Chuncheng said: "It's a pity that our company is too small, with only a million or so in the account, and only [-] to [-] in turnover every day. Otherwise, I will open an account with you and help you."

"Come on, come on, if there are many mosquito legs, you can also cook a dish." Sun Hong said, "And, I am optimistic about you, really, I have seen many companies, all of which started from a young age and later became ours. It’s unattainable. The most important thing in running a business is people, and you can do it, and you will definitely be able to grow bigger and bigger.”

Sheng Chuncheng quickly said thank you, thank you, then I will send someone to open an account with you tomorrow.

"Okay, I'm very welcome. You don't know. Now it's the end of the month and the end of the year. How much pressure we have. When I was first promoted to the vice president, I felt very happy, and I felt a bit like a villain. But after I became the president, I realized that this is a curse. You are already the vice president. If you still fail to complete the task, will you be embarrassing?
"People like us, who came from other places, were born in ordinary families, have no power and power, and have no other way out except to work hard on our own. So, I will fight it out these two days, and call you for help again, don't strangeness."

Sheng Chuncheng said yes, we need our help, you can call us at any time, by the way, Zhong Xinxin, your sister, you must be ready to rescue your sister at any time.

Zhong Xinxin scratched her head and said, "Then our mother will always be bumped into the hospital."

Everyone laughed, and Sun Hong picked up the wine glass and said, "It's okay, our mother will understand us. Come, let me thank you in advance!"

　Thank you for don't take it too seriously, Baby Tin Soldier, ranked third from top to bottom, flipping through the book every day, and two fish up and down for the reward!Thank you Baby Tin Soldier, Ethylene Glycol_, Book Friends 20200518193409192 for the monthly pass!Thanks for all the votes and reading!Good evening everyone!
　　
　
(End of this chapter)