Confessions of a Salesman

Chapter 745 Loan Problems
I found three banks that had given us loans before. The lenders of the banks are snobbish.

When you are strong, they like to add icing on the cake, and when you are down, they like to add insult to injury.It is basically impossible for them to send charcoal in a timely manner.

At the beginning of the negotiation, I put on a high profile, and I didn't go. It was Mo Ke who was negotiating with them, but the bank didn't buy it at all.

The stock price has fallen so sharply, who would dare to give us a loan to fill in the hole!
I had no choice but to do it myself. The first person I met was the manager of the loan department of the commercial bank. He was as polite as ever, but when he talked about the truth, he started to play Tai Chi with me.

I said sincerely: "Currently, Wanzhong is indeed facing financial problems, but you also know that Wanzhong is bigger than a horse even if it is a skinny camel. The turnover is not enough, some investments are relatively long-term, you can carry out project asset accounting and evaluation, I want to lend us a few hundred million, it shouldn’t be a big problem, right?”

The bank manager shook his head and said, "It's not that we don't believe in Wanzhong's strength. It's just that the country's money is tightened now, and the upper management is strictly controlling loans. You say that you have no mortgage and no insurance here. It's hard for me to do this!"

I stared at him and said: "When you asked me for a loan, why didn't you say that the money was tight? Now come here with me. How many years have the country's money been tight? I didn't see you lending a penny less. We again It’s not a financial institution, and they don’t know how to speculate. Is it so difficult to lend us a few hundred million yuan for normal capital turnover?”

The bank manager said in embarrassment: "Mr. Chen, my good Mr. Chen, how many hundred million? Now it is a loan of 3 to 5 million, which has to be approved by our head office! How about this, I will apply for it for you, you wait I message!"

I said dissatisfiedly: "Waiting for your news? When will it be? Next year? Just give me a painful word, how much can you loan me?"

The bank manager hesitated for a moment and said, "2000 million, that's all I have within the scope of my authority! You don't know that the responsibility for bank loans is now assigned to individuals, and all bad debts will be investigated. We are also at great risk!"

I knew he was trying his best, so I took out an envelope from the drawer and threw it to him. As if he saw a bomb, he put his hands behind his back, shook his head and said, "Mr. Chen, don't hurt me." ! After accepting this, I can only borrow 2000 million yuan, and I can’t do more! If people know about this, I will definitely get in!"

I smiled and said, "What are you afraid of? It's not money! Just take it apart and have a look!"

The bank manager opened the envelope tremblingly, and after repeated confirmation, he looked at me gratefully and said, "Mr. Chen, thank you for your help, but I really can't help you this time, it's not that I won't approve it here! And Tell the truth, the head office issued a death order, and finally gave you a loan of 1000 million. I don’t know the specific reason! I also helped you fight for it. Wanzhong has always repaid timely, never defaulted, and has a good reputation , I proposed a loan of 1 million yuan to you, but it was rejected by me before it reached the head office, and I was scolded!" Then, he pushed back the envelope and said: "Your kindness, I I got it, but I don't have the face to accept it!"

I pretended to be unhappy and said: "Your business is a matter, the child's matter is not a matter, the child's schooling is the big matter, my sister-in-law told me several times, this enrollment quota is not so easy I got it. A junior high school classmate of mine happened to be the director of the admissions office of No. [-] Middle School. He had two places in his hand, so he gave me one. I don’t have children, so it’s useless to give it to me. I don’t mean anything else, just to help my sister-in-law. , This is not a violation of discipline. Let’s not mention the loan, as long as you have the ability and authority, this is the head office, right?”

The bank manager looked at me gratefully, hesitating to accept the envelope on the table.

I sighed, stuffed the envelope into his hand and said, "Okay! What a big deal! Don't ask for anything. Seeing how stingy you are, that's it. I have to ask for the rest. My masters! It’s really a tiger in Pingyang being bullied by a dog. I think back then, don’t talk about it, don’t talk about it, you should hurry up and enroll your child in school!”

The one who sent off the commercial bank was followed by the female manager of CCB. This female manager is famous for her performance and shamelessness.

How shameless I am, I won't say in detail, I think for myself.

I usually have peach blossom eyes, staring straight at me. Originally, suits and skirts were all open to the knees, but when she came to me, they were open all the way to the thighs, but today they are much more serious. See I didn't smile or stare at me until I sat down opposite me with a straight face.

The atmosphere was a bit depressing, so I cut to the chase and said, "Our finances have told me that we can't lend you 2 million yuan! Are you afraid that we won't be able to pay? Or do you think our loan is too little?"

The female manager replied seriously: "Mr. Chen, how dare you open your mouth like that? You just borrowed 2 million yuan from us. The equipment in a production workshop of your company is estimated to be worth 2 million yuan, right?"

I snorted and said, "Evaluate this thing, who is it used to deceive? It's not just how much money you say, it's just how much money? Even if my equipment is worthless, my company's market value is more than 2000 billion, and it will still be worse." Lost your 2 million!?"

The female manager said bluntly: "You'd better look at your market value. It has shrunk by one-third in just a few days. If this continues, you may really be short of 2 million yuan!"

I didn't have the patience to chat with her here anymore, so I asked directly: "In a word, how much can I give? I don't want a penny less, and we won't cooperate in the future."

The female manager had already thought about it and said, "2000 million, no more!"

I snorted and said, "Just pretend I didn't ask! You take your 2000 million and go quickly, go back and tell your president, from now on, we will never spend a penny in your bank! We The account in your bank, I will ask the finance to cancel it!"

The female manager was still a little scared, and her tone eased a lot: "Mr. Chen, we can't help it! If you want to say it, you can talk to our president yourself, don't embarrass me! This is the authority given to me by the bank. , just 2000 million!"

I shook my head and said, "I don't even bother to talk about it, so be it!"

The female manager finally showed her seductive eyes again, and said in a dainty way: "Mr. Chen! Don't make things difficult for our subordinates! I really only have 2000 million permissions here, and this is what our president and I have worked so hard to ask for." Come here! You have to be considerate of me!"

I waved my hand and said, "If you don't do anything, if you don't help, just whimper me a few times and it will be useful! Don't say anything! That's it!"

The female manager snorted and said, "You don't even look at your company. What's going on now? You're still here, drinking and drinking. Who's afraid of anyone!" After speaking, she turned her butt and walked away.

The last one is the director of the Postal and Telecommunications Savings Office. As soon as he came in, he said: "Mr. Chen, I only have 3 million here, and I really can't move the rest!"

I hurriedly said gratefully: "Where is it, you have helped me a lot. I will write down this situation. There is still a long way to go!!"

The director shook his head and said: "Mr. Chen, I will always remember how much you helped me! I was short of 3000 million before, and I just completed the task. I asked you to come here. You didn't even think about it, just help me do it." Yes. Last year, you paid all the salaries of the employees in our office. You knew that our office was small, but it was crowded as soon as the salary was paid. Many employees complained to you, but you just didn’t change it! I know, this It's all for me, if I encounter some difficulties now, if I don't help with this favor, then I won't have a chance to repay you in the future!"

Of the three banks, I didn't want one, one gave me 2000 million, and the other gave me 3 million, which can be regarded as a solution to my urgent needs.

I'm not afraid of the stock falling. What I'm most afraid of now is the stock in He Jie's hand. If I want to sell all the stocks, I really can't handle it. This is a huge sum of money. I know that at this time, I have to Discuss with Mr. Dong.

I thought I would see a gloomy expression on Mr. Dong's face, but on the contrary, Mr. Dong smiled at me with a smile on his face: "You are so young, why do you have a sad face all day long? The frown on this face can be pinched." Dead flies."

I forced a smile, took a closer look at Mr. Dong, and suddenly said, "Hey! Something is wrong, where is my sister Dong, who are you?"

President Dong laughed and said, "Are you confused? Why are you talking nonsense?"

I smiled and said: "I'm talking nonsense? I, Mr. Dong, have single eyelids? Do you have eye bags? This mouth doesn't seem right, anyway, it's not like my sister Dong! She has become so much more beautiful! This sister, Did you find the wrong place? Ah, I see, you are Sister Dong's younger sister, right? How old are you in this year?"

Mr. Dong laughed and scolded: "Little bastard, are you kidding me, sister Dong? I just did a minimally invasive surgery! Can't we old people love beauty?"

I hastily waved my hands and said: "Of course, I agree with both hands! As long as it doesn't affect your physical fitness, this is harmless. You have succeeded, but you have not succeeded. As long as you are happy, I don't think there is anything wrong! A woman, You just have to be tough on yourself!"

Dong Zong hummed, and said with satisfaction: "You can talk! Tell me, how is the situation now?"

I sighed and said, "Not so optimistic! You must have noticed that our stock has been falling for the past few days, and people keep throwing it out. I don't understand it. You said They bought it at a high price and then sold it at a lower price. Is it because they have money but have not spent it?"

Mr. Dong said calmly: "What's so difficult to understand? It's just a cover-up. You just have to figure out the real purpose of these black hands behind the scenes!"

I questioned: "What is the purpose? It is nothing more than two kinds. One is to lower our stock price and take advantage of the opportunity to absorb it. However, how much they can absorb is only the 10% at most. Even if it is the worst plan, He Jie If we take away 25% of our shares, we will not be able to control Wanzhong. The second method is to let the stock price of our Wanzhong drop sharply in a short period of time, which will hit our Wanzhong, make us short of funds, unable to move forward, and have no extra funds to do other things. thing."

Dong Zong hummed and said: "We have to consider both situations. He Jie is indeed the biggest uncertain factor now. Once we lose 25% of her, our people will not be impenetrable. Something happened to one of you and me." , It’s hard to say! The second one, I’m not worried. In the short term, we won’t make any big moves. The funds must be stretched, but it’s not too late. Our funds return quickly, and the payment for goods has always been under control. Well done, when your chips and real estate projects in Dongguan see benefits, there will be no funding problems at all! They are just wasting their time!"

I groaned and said, "I understand. They are also betting that our chip will not be developed, and the real estate project will fail completely. At that time, we will have to release the bone stocks in our hands!"

Dong Zong hummed and said: "This is a protracted war with us! This is not very beneficial to us. After all, we are incomparable with other investment holding companies. Several billions are ordinary investments. The funds we can use It is limited, this collision with capital and industry! Are you confident?"

I made a cut and said, "It's always been in the midst of strategizing and winning thousands of miles away! I'm not worried about the chip matter. Not many people know about it, but they may guess it, but they don't know who is operating it." Besides, even if it fails, it will not have a great impact on us. When I was about to invest in chip research and development, I thought about it. What should we do if we fail? System, for simplified integration. We are creating a R&D system, not an accessory, and it will be successful, it is only a matter of time.

In terms of real estate, I am indeed a bit sloppy, but I have also thought about it, even if the land does not afford a water park, those few lands are still valuable.The three major real estate enclosures are a certainty, no matter what they start, it will drive the surrounding economy, and I am confident that the investment of 3 million yuan will be recovered!"

Dong Zong nodded and praised: "Very good! Prepare for the best and prepare for the worst! Many people are watching our jokes and think that your two decisions are too hasty. Just take this opportunity to strike Destroy us. Unfortunately, they were wrong, terribly wrong. The Wanzhong group today is not the Wanzhong group back then. They really thought that we are easy to bully! This time, we not only have to defend, but also counterattack. We must tell all those who want to defeat us all to retreat in the face of difficulties, and let them know how out of control they are, and they don't know what to do!"

I gave a thumbs up and said, "How domineering my sister Dong is! There was a bully in Western Chu back then, and now I, Mr. Dong, has the aura of domineering in all the people. I ask you who dare not be afraid of this aura of swallowing mountains and rivers!"

Dong Zong's excited expression just now was drowned out by my words, and he gave me a look and said: "Today I will beat you to have a plastic surgery!"

(End of this chapter)