Technological power starts with upgrading lenses

Chapter 9 Winner Takes All
[Customer name: Longteng Technology Co., Ltd.
Legal representative: Kang Chi,
Application amount: 200,

Loan purpose: Daqin optical production line construction,
Loan term: 6 months,

...]

Zheng Zhinan looked at the loan application form in his hand, then looked up at Kang Chi opposite him, and asked with a smile: "Mr. Kang, what exactly does Daqin Optics of your company produce?"

"Build lenses."

"Making a lens?"

"Yes, it's the kind of lens you put on your camera."

"..."

Seeing the bank manager's embarrassed expression, Kang Chi quickly added: "Actually, it's not just about making lenses, but also cameras and the like in the future."

"!??"

Zheng Zhinan was even more confused.

After a moment, the professional fake smile reappeared on his face: "I understand, please wait a moment, Mr. Kang, I will help you apply to the leader now."

"Okay, sorry to bother you."

Kang Chi nodded, and then scrolled through his phone boredly.

"Mr. Kang, you have been waiting for a long time!"

After about 2 minutes, Zheng Zhinan came back.

In fact, he just went to the toilet. He had already labeled Kang Chi as a loan fraudster, and the so-called asking for instructions from the leader was just perfunctory.

"I'm sorry, our leaders think that investment in lens and camera manufacturing is too risky, and you are a new company established just two days ago. Without anything to pledge, according to our bank's regulations..."

"Can't get a loan?" Kang Chi interrupted Zheng Zhinan's tirade.

"You can get a loan," Zheng Zhinan smiled, "but you need to sign a personal guarantee, and the limit can only be [-]."

Kang Chi: "..."

Under normal circumstances, if a limited liability company goes bankrupt, as long as there is no illegal business behavior, the shareholders usually do not need to bear the company's debts.

But if you sign a personal guarantee, it means that you are also responsible for the company's debts.

So what the hell is the difference between this and a personal loan!
What about encouraging corporate technological innovation and supporting small and micro enterprises as promised?

"One hundred thousand, just one hundred thousand. How to write a guarantee letter?"

Kang Chi could only settle for the next best thing.

Anyway, he was absolutely confident that he could make the money back in a short time.

In fact, strictly speaking, an enterprise loan is an enterprise loan. It is the bank's decision whether to lend based on the evaluation of the enterprise. If it feels that the prospect of the enterprise is not good and the risk is too high without asset guarantee, then it will not lend directly.

Zheng Zhinan's approach of linking personal credit reports with corporate loans is a typical loan that can be granted, with you taking the risk and I'll earn the interest.

What matters is that a winner takes all!

"Master Kang?"

Just as Kang Chi was copying the guarantee letter according to this template, a sweet voice suddenly came from behind him.

To be honest, everything else about maintenance was fine, except that from time to time someone would affectionately call him: Master Kong.

It sounds awkward.

Can’t you call me Boss Kang?

Kang Chi turned around with a dark face, hesitated for a moment and then said, "Producer Zhang?"

"Why, don't you know?"

The person who greeted him was a girl in professional attire. Her dignified and decent attire and short shoulder-length hair made her look particularly capable.

Next to her, there was a bank manager, who looked like he had just finished helping Zhang Qing to send her out. "Well..." Kang Chi quickly searched for information about the girl in his mind and said at the same time, "We haven't seen you for so long, and you have become so beautiful? I didn't recognize you for a while."

What he said was not a compliment, but a compliment from the bottom of his heart.

This girl's name is Zhang Qing. Despite her young age, she is actually a well-known producer in Hengdian. When they met two years ago, she was just a little-known producer.

At that time, the project she invested in was short of funds, and she didn't even buy insurance for the equipment in order to save money. As a result, she was afraid that something might come her way, and she had a shooting accident, damaging three lenses and two cameras.

After the accident, Zhang Qing did not dare to tell the lessor, but secretly found Kang Chi.

She is afraid that the high compensation offered by the lessor will affect the project budget, which is already not generous, and lead to the failure of the project to be completed;

Kang Chi, on the other hand, was fascinated by the double maintenance fee and Zhang Qing's beauty trap. The two hit it off and worked together, relying on Kang Chi's superb maintenance skills to hide the matter.

To be honest, this is a bit unfair...

However, Kang Chi is very confident in his craftsmanship. Even if he returns to the factory, he may not be able to repair it as well as him.

So rounding it off, the lessor might have to thank him if he finds out.

I don't know whether it was because of Kang Chi's praise or because he guessed that he was thinking about the embarrassing things in the past. Zhang Qing's face turned red, and she looked at the bank manager next to her awkwardly and said to him: "Manager Liu, please don't give me a gift." , just do your thing."

"It's okay. Since it's your friend here to do business, maybe I can help too." After speaking with a smile, Manager Liu winked at Zheng Zhinan at the counter.

Zheng Zhinan immediately understood and picked up the loan application form on the table and handed it to him.

"Longteng Technology Co., Ltd., a loan of 20 yuan for the construction of Daqin Optics' production line?"

Manager Liu quickly glanced at the application form.

"He said he made lenses and cameras..." Zheng Zhinan immediately explained the situation in a low voice in Manager Liu's ear, "So I only gave him a quota of [-], and asked him to sign a personal guarantee."

Manager Liu nodded and gave Zheng Zhinan a satisfied look, obviously confirming his approach.

Zhang Qing on the side heard the word Daqin Optics keenly, and couldn't help but look at Kang Chi with some surprise: "Daqin Optics? Did you create Daqin Optics, which is very popular on the Internet recently?"

"Yes, even you know?"

"Well, I heard someone from the crew mention it by chance. I heard that all your lenses are sold out?"

Kang Chi shrugged: "Otherwise, why would we take out a loan to build a production line?"

"Ahem," after hearing the conversation between the two, Manager Liu felt that things might not be as simple as he thought, so he coughed dryly and said to Kang Chi, "Mr. Kang, please wait a moment."

After saying that, he and Zheng Zhinan walked into the door behind the counter.

As soon as he entered the room inside, Zheng Zhinan wisely took out his mobile phone and quickly looked up information about Daqin Optics on the Internet.

The two of them quickly grasped the situation of Daqin Optics.

It has a certain degree of popularity on the Internet, and the product is very unique. It is a fact that it is sold out. So far, the sales volume is more than 700, with an estimated turnover of 6 and a profit of 2.

Although the data is not high, the store has only been open for less than a month, and it really became popular in the past week, so there should be a lot of room for profit.

What's more valuable is that they seem to have mastered some core technologies for producing lenses. If they can make further progress, they may become a medium-sized technology company in Dongyang.

"Xiao Zheng, this is your negligence. You didn't check the customer's information or report it to the leader, so you just made your own conclusions?"

Manager Liu looked serious and said earnestly,
"How many times have I emphasized before that we must serve with heart, even if the business fails, we must not leave a bad impression on customers; this person, 30 years in Hedong and 30 years in Hexi, if someone becomes prosperous in the future, he will become What should I do with the big customers of other banks?”

Zheng Zhinan just lowered his head and hummed from time to time to show his understanding, but in his heart he felt like ten thousand straw horses passing by.

This guy was obviously very satisfied with the way he handled it just now!

After Manager Liu gave him a few words of training, Zheng Zhinan asked in a low voice, "What should we do now?"

"It's very simple. If he wants 20, give him 20, or even 30 to 50. We want our customers to fully feel our customer-first service attitude, but we still need to write a personal guarantee!"

Zheng Zhinan: "...%&%"

(End of this chapter)