Fortune fortune

Chapter 95 You have no choice
After calling the waiter, Xu Fang ordered four dishes and asked, "What would you like to drink?"

"I still have to go to work in the afternoon, bring me a glass of kiwi juice." Zheng Yueling said.

Xu Fang looked at the waiter and said, "Add a glass of kiwi juice and orange juice."

The waiter did not neglect and went out to prepare immediately.

While waiting for the food, Zheng Yueling inquired about Xu Fang's information: "I don't know what business Mr. Xu is doing now?"

"It's all small businesses, catering and drinks." Xu Fang said roughly.

"You are really young and promising!" Zheng Yueling praised.

She has a good impression of Xu Fang. This young man is handsome and has good clothes.Regardless of men and women, everyone has a heart for beauty, and when they are with good-looking people, they will feel happier to some extent.

"President Zheng, you are being polite, you are the real Bai Fumei!" Xu Fang praised sincerely.

Zheng Yueling laughed wildly, and she was very satisfied with Xu Fang in her heart: "Your mouth is so sweet, do you know if you have a partner? If not, sister will do it!"

"Really not!" Xu Fang smiled and said, "When will we start?"

"Virtue!" Zheng Yueling patted Xu Fang's arm and spat.

The joke was almost over, Zheng Yueling stopped being polite, and her expression became correct: "Mr. Xu, I wonder what you want from me?"

Talking about work, Xu Fang sat up straight and said seriously, "Mr. Zheng, I want to borrow some money."

Zheng Yueling's heart skipped a beat.

Loans belong to the business of banks and are profitable.But there is only one reason to ask her for help in getting a loan in private—this guy has a problem, and he can't get a loan through the normal process.

If there is a problem, it means that there is a big risk!
With a more serious expression, Zheng Yueling tentatively asked, "How much do you want to borrow?"

"Ten million is enough." Xu Fang said truthfully.

Rao was mentally prepared, but when she heard this number, Zheng Yueling's heart still rose.

It stands to reason that the bank's bad debt rate should be maintained within 5%, only in this way can the bank guarantee profitability.If the bad debt rate exceeds 10%, the bank will easily fall into economic crisis.

Three years ago, she was transferred to Yunhai City to be in charge of the Tianhai Bank here.The bad debt rate here was very high before, and with the new bad debts added in the past three years, the bad debt rate has reached 12% now.

Although she has not received a definite dismissal message, she knows in her heart that if she does not make achievements as soon as possible, she may be replaced next year.

At this juncture, if the 1000 million that was given to Xu Fang becomes a bad debt, she probably won't be able to spare her at the headquarters!

Why not: "Brother Xu Fang, you are really giving my sister a problem. It's almost Chinese New Year and you suddenly took out a loan. Do you know that we have a deposit assessment?"

Xu Fang smiled and said, "Sister Ling, bank loans are a serious business, and it's a performance when it's done."

"That has to meet the loan conditions."

"My conditions should be met." Xu Fangwen said gently: "Sister Ling has heard of the Subai Water Plant, right? The valuation of our company can exceed [-] million. Now our water plant needs to expand its business, so we need a loan. Sister Ling can rest assured that the loan will be repaid within one year."

Subai water plant!

Hearing that Xu Fang belonged to this company, Zheng Yueling showed a complex look on his face.

A week ago, the person in charge of Yibao in Yunhai City changed coaches, and the other party made an appointment with the heads of all the banks in Yunhai City, demanding that Su Bai be prohibited from providing loans.

Everyone is very clear about Su Bai's strength, but Yibao's background is very strong, and everyone doesn't want to provoke him, so they simply sell the other party's face.Now the Subai Water Plant is already on the loan blacklist of major banks.

Sighing, Zheng Yueling shook her head and said, "Xu Fang, it's not that I don't want to take out a loan. It's really that I won't be able to do this kind of business until the end of the year. If you don't believe me, you can go to other banks and ask."

The entanglement and helplessness in Zheng Yueling's eyes did not escape Xu Fang's eyes.

After a little speculation, Xu Fang said gently, "Sister Ling, did someone greet you?"

"You know everything?" Zheng Yueling asked.

Sure enough!Confirming the guess in his heart, Xu Fang remained calm and said, "Yibao, right? We are in a competitive relationship with them."

"Brother Xu Fang, you also know that the other party is behind a big company, and I'm just an ordinary little woman, how dare I go against them?" Zheng Yueling was acting weak at the moment, and I felt pity: "You just feel sorry for sister, don't embarrass me."

"You don't dare to make trouble with them, but you dare to make trouble with us?" Xu Fang asked back.

A look of contempt flashed in Zheng Yueling's eyes, and there was even a hint of sarcasm in his tone: "Mr. Xu, there is still a gap between Su Bai and Yibao."

Having said that, Zheng Yueling stood up directly, and said: "By the way, I suddenly remembered that the company still has something to do, so I'm leaving first. I'll go to the front desk later and buy it by the way. You can use it for lunch."

"Three years ago, you were transferred to Yunhai City and started using public funds to lend usury. In order to avoid investigation, you supported your best friend Zhang Xiao as a puppet and made her the person in charge of lending. In three years, you made a total of 600 million profits."

Xu Fang's voice spread slowly in the small box: "Two years ago, Lin Xuan asked you for a loan of 2000 million, and promised you a benefit of 50. A year ago, you illegally lent 1500 million to the Blackwater Group." , received 45 in bribes..."

Zheng Yueling, who was going to leave directly, seemed to be frozen, standing there motionless.

It took a long time before she turned her stiff neck and looked at Xu Fang with horror in her eyes.

"You...you falsely accused me!" Zheng Yueling said in a panic.

"Sit down and chat." Xu Fang didn't answer her question.

Zheng Yueling hesitated for a while, and finally sat back in her seat honestly, tried her best to force a smile and said, "What nonsense were you talking about just now?"

Xu Fang smiled slightly and said, "I'm not talking nonsense, but I can assure you that only I know what I'm talking about. As for whether you can keep the secret, it's up to Sister Ling."

Zheng Yueling understood what Xu Fang meant.

After thinking about it for a long time, she sighed.

Although it is very unwise to offend Yibao, if Xu Fang reveals her secret, it will be a small loss for him to lose his job, and he may even end up in prison.A bad choice, and an even worse choice, Zheng Yueling decided to choose the one with a slightly smaller loss.

"Xu Fang, I can give you a loan, but how do you know all this information?" Zheng Yueling looked at Xu Fang with a lot of doubts in his eyes.

"secret."

"Then how can you guarantee that you won't say anything?" Zheng Yueling asked.

"I have no grievances with you, and you helped me solve the loan problem. I have no reason to harm you. Moreover, you have no choice." Xu Fang said calmly.

Zheng Yueling knew that what Xu Fang said was the truth, and said with a wry smile: "Then I can only choose to trust you, and hope that Mr. Xu can keep his promise. I won't eat the meal. After you eat, bring your documents to the bank to find me. I'll handle the loan procedures for you."

Xu Fang raised his hand to stop him: "Sister Ling, don't worry, let's go after dinner, let's talk about other cooperation by the way."

(End of this chapter)