Confessions of a Salesman
Chapter 833 Bank Appreciation Banquet
Chapter 833 Bank Appreciation Banquet
Mo Ke told me about the trip to the Guangzhou head office: "We have already approved Zijun's loan. I borrowed 6000 million, of which Yaoyang took 5000 million, and the remaining 1000 million, I plan to allocate To the R&D center!"
I frowned and said, "Why? Isn't our R&D center big enough? Does it need to be expanded, or is there some new product to be developed? They get a lot of money every year!"
Mo Ke said: "You have to ask Bao'er. Some time ago, Bao'er asked for money and said that she wanted to provide research and development funds for the R&D center. I can mobilize it on hand, but I don't know what she is going to do? Thinking about procrastinating?" Wait and see. If you don’t ask me for money again, I think about giving her part of the loan first.”
I groaned and said, "You don't need my consent for such a big matter? You didn't tell me that this is really going to turn the world upside down! I'll go ask her, what's going on?"
Mo Ke stopped me and said, "Wait, I still have something to tell you! Zijun told me that he asked about Weihua Group's loan situation, and he didn't know what method they used. With a loan of 5 million, it will be approved immediately!"
I hastily asked, "Is it the project of Shanshui Huacheng as a mortgage?"
Mo Ke shook his head and said, "Impossible! That project doesn't even have a single character. Although it's a big deal, many banks know that if there is no loan for such a project, it will be gone!"
I questioned: "That's strange? Why can they get 5 million yuan in loans? Did you explain the specific flow of funds?"
Mo Ke shook his head and said, "I don't know about that! It's impossible for Zijun to understand it so carefully. After all, it's someone else's loan, so it's not easy for him to ask too deeply!"
I thought for a while and said, "It is estimated that the loan will never come back!"
Mo Ke asked: "Why? Since they can lend out such a large amount of money, it means that they must have reliance and mortgage! Otherwise, how could the bank not control such a large amount?"
I groaned and said, "You study finance, don't you really understand this? The bank's asset appraisal is based on the market value of your existing assets. Which one of Weihua's projects is not earth-shattering? It is worth money, and the current valuation must be very high. Once the loan is received, all the money will flow away. If the money is not paid at that time, the project will be used as collateral directly to the bank. Once the bank takes over, it will know that it is all It's false, his project is worthless at all!"
Mo Ke nodded and said: "It can be done like this, once or twice, I don't believe it can be done every time!"
I shook my head and said, "Of course not every time! So, his projects are real and some are fake, and he won't sell the real profitable projects to the bank!"
Mo Ke said with an oh: "Then I understand! Then tell me, where is his 5 million going to be used?"
I thought for a while and said, "If I were him, I would definitely take some of it away and invest the rest in the water park project! I know he values this project very much!"
Mo Ke smiled without saying a word.
I asked strangely: "Why are you laughing? Do you think I'm wrong?"
Mo Ke shook his head and said: "You are more and more confident now, think about it when you first met you, you were not like this, what's the matter, you either asked Lao Feng, or Mr. Li, and then you asked Mr. Dong You always believe what people say, and you never make up your own mind! Now look at you, not only do you make up your mind about your own affairs, you don’t turn back if you don’t bump into the south wall, you even speculate about other people’s affairs, you are so steadfast Yes! Ah Fei, you have changed a lot in the past few years!"
I smiled lightly and said: "The reason why people are strong is because they have no reliance! In the past, they always relied on this and that! Now a lot of people rely on me. If I don't make up my mind, who will? Don't talk about it." Yes, prepare a sum of money for me recently, I am useful!"
Mo Ke hummed and asked again: "Why do you use it? How much do you want?"
I said mysteriously: "I plan to buy the He Group!"
Mo Ke asked in surprise: "What? Do you know how many companies under He's company? You can't handle a single Huaxi, and now you want to buy He's? Look at the stock price of He's today, what are you buying? "
I smiled and said: "I just have this idea. Are there any financial experts around you? Are there any students of yours who don't want to work in the system? Those who want to make money in the sea!"
Mo Ke didn't delve into the questions I avoided, and replied directly: "Zijun, he is a financial expert, but our company just helped him improve his performance, and he should be promoted next year. Guess he won't come!"
I cut it and said: "It's all about man!"
Sure enough, as Mo Ke expected, Zijun refused to come to our company for the simple reason that he finally had room for improvement, and he was not suitable for working in an enterprise, so he might not be competent for the olive branch we extended.
I made a private call to Zijun: "Minister He, hello, I am Fade Chen!"
Zijun was a little surprised and said, "Ah, Mr. Chen, why did you call me yourself?"
I smiled and said, "I don't want to call myself, so I have to ask someone to send a message to you? I'm not an official, so I won't bother you, right?"
Zijun hurriedly said: "Don't bother, don't bother, don't bother in public or private! You are my big client now, and you are Mo Ke's boss, so we can be considered friends!"
I hummed and said, "Don't count it, it is! Is it convenient to talk?"
Zijun hummed.
I continued: "Moke told you about my suggestion, right? I know you rejected it, and I want to hear the reason from you, and then I will give up!"
Zijun hesitated for a moment and said, "Thank you, Mr. Chen, for your kindness! However, I don't think a big company like Wanzhong is really suitable for me. I have been working in a public institution since I graduated, and I work within the system. Big companies compete with each other. There is a lot of pressure, and my ability to resist pressure is too poor, so I am really not suitable for it!"
I smiled and said: "Didn't you say that your unit is under more pressure? When we were eating, you said you envied our company. Now that you have the opportunity to change from Party B to Party A, why are you shrinking back?" ?”
Zijun was silent for a while, and then slowly said: "Now I also have the opportunity to be promoted. After all these years, it is not easy. This is thanks to your help. I am here, thank you no matter what! But, I really appreciate it. You can't pass!"
I asked curiously: "Is it because you don't want to, or can't you? If you really don't want to, I won't force you. I just feel a little pity! I can see your potential, the ability you have buried in the public institution, you are pragmatic and know Advancing and retreating, your professional skills are also excellent! You should have created a world by yourself, you shouldn’t be so content! You are still so young, and you are spinning around in a place where you can see your future. Don’t you feel boring and boring? Is it? If you are a mediocre person, I won't tell you so much! I just feel a little pity!"
Zijun was very excited when he heard it, and immediately said: "I know what you said, and I have thought about it, but... hey... I have my own difficulties?"
I asked with a groan, "What's the difficulty? Worried that my treatment here is not as good as your bank's? You can rest assured about this, I believe it will be higher than yours at the bank no matter what!"
Zijun denied it: "No, no, I didn't think about it that way! It's for other reasons!"
I guessed: "That's because you signed a sell-off contract with the bank? It's not a problem, is it? You are a public institution. You are suspended without pay, or half of the resignation procedures. Aren't there a lot of people waiting for the superior? How is it possible?" won't let you go?"
Zijun denied again: "No, no, it's because of my family!"
I suddenly understood, and said: "Ah, I understand! Then I can't say anything! I still think that you should really think about it seriously! After all, not everyone has such an opportunity, and it is always there. of!"
Zijun said sincerely: "Thank you, Mr. Chen, I will definitely think about it seriously!"
Almost a week later, Zijun still didn't change his mind, so I decided to give up and asked Mo Ke to find another qualified candidate. After a few interviews, they didn't quite suit me, even Mo Ke didn't think so!
Zijun Bank invited our company to participate in the customer reception. Although our company is not a big customer for their bank, we are a potential stock. It is also good to invite us to participate in such a reception.
Before departure, Mo Ke specifically told me that I should dress up and not be late.
But I didn't do those two things.
I think my clothes are quite formal, an ordinary suit, also a famous brand, but without a tie.
Before I left, I reserved the arrival time, and I deliberately made it half an hour earlier, but when I arrived in Guangzhou, it was just in time for the rush hour, and I was stuck on the road for a full hour, and Mo Ke's phone called me. It's almost out of power, it's really like a bank reminder.
Finally arrived at the place, a five-star hotel, with a big sign at the door, which reads the [-]th anniversary of CCB of a certain bank, a thank-you meeting for new and old customers.
I took out the invitation card, and the staff looked at me for a long time, and then carefully checked the invitation card before letting me in. I really didn't look like I was here to attend this kind of banquet.
In the hall, Mo Ke kept looking at his watch, waiting for my arrival.Seeing me walking in unhurriedly and unhurriedly.
He dragged me inside and blamed me as he walked, "When did you develop the habit of being late? Why are you dressed like this?"
I looked at my clothes and said, "Isn't that nice? What's wrong?"
Mo Ke let out a hey, and led him to the door of the council hall. Two waiters pushed open the door, and there was one person talking enthusiastically on the stage, while a group of people below were giggling like fools.
Then I heard the person on the stage say: "It is said that pigs can fly when standing in the limelight. I believe this! Isn't there a saying? It is said that if a bank is reliable, sows can climb trees! In such a good environment , what excuses do entrepreneurs have for not vigorously developing their own businesses? Our certain bank is definitely reliable and will give you maximum support and help. I also hope that all entrepreneurs can support our bank a lot! "
I whispered to Mo Ke: "It seems that the bank is really in a recession now. When did you see that the bank started to solicit business?"
Mo Ke glared at me and warned me: "For a while, be careful what you say. There are many leaders and big shots here. You can't afford to offend any of them!"
I pursed my lips and said, "I'm full? Why don't I offend others?"
Mo Ke snorted and said: "How bad is your mouth, how bad is it, besides, I don't know about your character of jealousy and hatred. When you meet someone who doesn't like you, your mouth won't hold the door! Remember Ah, no matter what today, you have to leave a good impression on me, which will facilitate my work in the future!"
I nodded and said, "Follow the leader!"
After the lecture on the stage was over, another one went up to talk a bunch of nonsense, and in the end I still promoted my own financial products. I took a glass of cocktail from the waiter and took a sip. Had a glass.
A fat man next to me patted me, and I almost spilled wine on his face, not because I made a fuss, but because his hand was too strong.
"Mr. Chen, are you here too? Me, Wu Dabao, Wu Fatty, I don't remember, a toilet seller!" The fat man said to me with a smile.
I shook his hand and said enthusiastically: "How can I not remember? It's only been a few days since I saw you! Oh, you're so proud of the spring breeze, this suit is really serious!"
Fatty Wu said embarrassingly: "Mr. Chen, you are laughing at me! With my figure, no one would order it for me, saying that I would destroy their brand reputation!"
I smiled and said, "Which store? What brand? Do you still want to do business? Do you want me to ask someone to demolish their store?"
Fatty Wu said with a smile: "Mr. Chen, you really know how to joke! You are really different from other bosses!"
I wondered, "Why is it different? Not like the boss?"
Fatty Wu shook his head and said, "You have no airs! You are approachable and talkative!"
I said with a straight face: "I'm notoriously hard to talk, I'm a tiger with a smiling face, you have to be careful!"
Fatty Wu still smiled and said: "No, I know you are warm-hearted! The suggestions you gave me are really practical! I didn't plan to sign for a few more years. After you said it, I will talk about it. , they refused at all, and then I said... sorry, I just said that I know you and you introduced them, so they were willing to sign with me, and the price has doubled in less than a month! I earned more than 50 yuan from this agency alone!"
I hissed and said, "Don't talk nonsense! If only my name was so valuable!"
Fatty Wu said gratefully: "I know that you have greeted them, and you didn't let them tell me, but I know it all! Thank you very much!"
I cut it and said, "How do you thank me? With your mouth?"
Fatty Wu said with a smile: "Then how can I help you?"
I thought for a while and said, "Where did you buy this suit? It fits really well, I have to buy one too!"
(End of this chapter)
Mo Ke told me about the trip to the Guangzhou head office: "We have already approved Zijun's loan. I borrowed 6000 million, of which Yaoyang took 5000 million, and the remaining 1000 million, I plan to allocate To the R&D center!"
I frowned and said, "Why? Isn't our R&D center big enough? Does it need to be expanded, or is there some new product to be developed? They get a lot of money every year!"
Mo Ke said: "You have to ask Bao'er. Some time ago, Bao'er asked for money and said that she wanted to provide research and development funds for the R&D center. I can mobilize it on hand, but I don't know what she is going to do? Thinking about procrastinating?" Wait and see. If you don’t ask me for money again, I think about giving her part of the loan first.”
I groaned and said, "You don't need my consent for such a big matter? You didn't tell me that this is really going to turn the world upside down! I'll go ask her, what's going on?"
Mo Ke stopped me and said, "Wait, I still have something to tell you! Zijun told me that he asked about Weihua Group's loan situation, and he didn't know what method they used. With a loan of 5 million, it will be approved immediately!"
I hastily asked, "Is it the project of Shanshui Huacheng as a mortgage?"
Mo Ke shook his head and said, "Impossible! That project doesn't even have a single character. Although it's a big deal, many banks know that if there is no loan for such a project, it will be gone!"
I questioned: "That's strange? Why can they get 5 million yuan in loans? Did you explain the specific flow of funds?"
Mo Ke shook his head and said, "I don't know about that! It's impossible for Zijun to understand it so carefully. After all, it's someone else's loan, so it's not easy for him to ask too deeply!"
I thought for a while and said, "It is estimated that the loan will never come back!"
Mo Ke asked: "Why? Since they can lend out such a large amount of money, it means that they must have reliance and mortgage! Otherwise, how could the bank not control such a large amount?"
I groaned and said, "You study finance, don't you really understand this? The bank's asset appraisal is based on the market value of your existing assets. Which one of Weihua's projects is not earth-shattering? It is worth money, and the current valuation must be very high. Once the loan is received, all the money will flow away. If the money is not paid at that time, the project will be used as collateral directly to the bank. Once the bank takes over, it will know that it is all It's false, his project is worthless at all!"
Mo Ke nodded and said: "It can be done like this, once or twice, I don't believe it can be done every time!"
I shook my head and said, "Of course not every time! So, his projects are real and some are fake, and he won't sell the real profitable projects to the bank!"
Mo Ke said with an oh: "Then I understand! Then tell me, where is his 5 million going to be used?"
I thought for a while and said, "If I were him, I would definitely take some of it away and invest the rest in the water park project! I know he values this project very much!"
Mo Ke smiled without saying a word.
I asked strangely: "Why are you laughing? Do you think I'm wrong?"
Mo Ke shook his head and said: "You are more and more confident now, think about it when you first met you, you were not like this, what's the matter, you either asked Lao Feng, or Mr. Li, and then you asked Mr. Dong You always believe what people say, and you never make up your own mind! Now look at you, not only do you make up your mind about your own affairs, you don’t turn back if you don’t bump into the south wall, you even speculate about other people’s affairs, you are so steadfast Yes! Ah Fei, you have changed a lot in the past few years!"
I smiled lightly and said: "The reason why people are strong is because they have no reliance! In the past, they always relied on this and that! Now a lot of people rely on me. If I don't make up my mind, who will? Don't talk about it." Yes, prepare a sum of money for me recently, I am useful!"
Mo Ke hummed and asked again: "Why do you use it? How much do you want?"
I said mysteriously: "I plan to buy the He Group!"
Mo Ke asked in surprise: "What? Do you know how many companies under He's company? You can't handle a single Huaxi, and now you want to buy He's? Look at the stock price of He's today, what are you buying? "
I smiled and said: "I just have this idea. Are there any financial experts around you? Are there any students of yours who don't want to work in the system? Those who want to make money in the sea!"
Mo Ke didn't delve into the questions I avoided, and replied directly: "Zijun, he is a financial expert, but our company just helped him improve his performance, and he should be promoted next year. Guess he won't come!"
I cut it and said: "It's all about man!"
Sure enough, as Mo Ke expected, Zijun refused to come to our company for the simple reason that he finally had room for improvement, and he was not suitable for working in an enterprise, so he might not be competent for the olive branch we extended.
I made a private call to Zijun: "Minister He, hello, I am Fade Chen!"
Zijun was a little surprised and said, "Ah, Mr. Chen, why did you call me yourself?"
I smiled and said, "I don't want to call myself, so I have to ask someone to send a message to you? I'm not an official, so I won't bother you, right?"
Zijun hurriedly said: "Don't bother, don't bother, don't bother in public or private! You are my big client now, and you are Mo Ke's boss, so we can be considered friends!"
I hummed and said, "Don't count it, it is! Is it convenient to talk?"
Zijun hummed.
I continued: "Moke told you about my suggestion, right? I know you rejected it, and I want to hear the reason from you, and then I will give up!"
Zijun hesitated for a moment and said, "Thank you, Mr. Chen, for your kindness! However, I don't think a big company like Wanzhong is really suitable for me. I have been working in a public institution since I graduated, and I work within the system. Big companies compete with each other. There is a lot of pressure, and my ability to resist pressure is too poor, so I am really not suitable for it!"
I smiled and said: "Didn't you say that your unit is under more pressure? When we were eating, you said you envied our company. Now that you have the opportunity to change from Party B to Party A, why are you shrinking back?" ?”
Zijun was silent for a while, and then slowly said: "Now I also have the opportunity to be promoted. After all these years, it is not easy. This is thanks to your help. I am here, thank you no matter what! But, I really appreciate it. You can't pass!"
I asked curiously: "Is it because you don't want to, or can't you? If you really don't want to, I won't force you. I just feel a little pity! I can see your potential, the ability you have buried in the public institution, you are pragmatic and know Advancing and retreating, your professional skills are also excellent! You should have created a world by yourself, you shouldn’t be so content! You are still so young, and you are spinning around in a place where you can see your future. Don’t you feel boring and boring? Is it? If you are a mediocre person, I won't tell you so much! I just feel a little pity!"
Zijun was very excited when he heard it, and immediately said: "I know what you said, and I have thought about it, but... hey... I have my own difficulties?"
I asked with a groan, "What's the difficulty? Worried that my treatment here is not as good as your bank's? You can rest assured about this, I believe it will be higher than yours at the bank no matter what!"
Zijun denied it: "No, no, I didn't think about it that way! It's for other reasons!"
I guessed: "That's because you signed a sell-off contract with the bank? It's not a problem, is it? You are a public institution. You are suspended without pay, or half of the resignation procedures. Aren't there a lot of people waiting for the superior? How is it possible?" won't let you go?"
Zijun denied again: "No, no, it's because of my family!"
I suddenly understood, and said: "Ah, I understand! Then I can't say anything! I still think that you should really think about it seriously! After all, not everyone has such an opportunity, and it is always there. of!"
Zijun said sincerely: "Thank you, Mr. Chen, I will definitely think about it seriously!"
Almost a week later, Zijun still didn't change his mind, so I decided to give up and asked Mo Ke to find another qualified candidate. After a few interviews, they didn't quite suit me, even Mo Ke didn't think so!
Zijun Bank invited our company to participate in the customer reception. Although our company is not a big customer for their bank, we are a potential stock. It is also good to invite us to participate in such a reception.
Before departure, Mo Ke specifically told me that I should dress up and not be late.
But I didn't do those two things.
I think my clothes are quite formal, an ordinary suit, also a famous brand, but without a tie.
Before I left, I reserved the arrival time, and I deliberately made it half an hour earlier, but when I arrived in Guangzhou, it was just in time for the rush hour, and I was stuck on the road for a full hour, and Mo Ke's phone called me. It's almost out of power, it's really like a bank reminder.
Finally arrived at the place, a five-star hotel, with a big sign at the door, which reads the [-]th anniversary of CCB of a certain bank, a thank-you meeting for new and old customers.
I took out the invitation card, and the staff looked at me for a long time, and then carefully checked the invitation card before letting me in. I really didn't look like I was here to attend this kind of banquet.
In the hall, Mo Ke kept looking at his watch, waiting for my arrival.Seeing me walking in unhurriedly and unhurriedly.
He dragged me inside and blamed me as he walked, "When did you develop the habit of being late? Why are you dressed like this?"
I looked at my clothes and said, "Isn't that nice? What's wrong?"
Mo Ke let out a hey, and led him to the door of the council hall. Two waiters pushed open the door, and there was one person talking enthusiastically on the stage, while a group of people below were giggling like fools.
Then I heard the person on the stage say: "It is said that pigs can fly when standing in the limelight. I believe this! Isn't there a saying? It is said that if a bank is reliable, sows can climb trees! In such a good environment , what excuses do entrepreneurs have for not vigorously developing their own businesses? Our certain bank is definitely reliable and will give you maximum support and help. I also hope that all entrepreneurs can support our bank a lot! "
I whispered to Mo Ke: "It seems that the bank is really in a recession now. When did you see that the bank started to solicit business?"
Mo Ke glared at me and warned me: "For a while, be careful what you say. There are many leaders and big shots here. You can't afford to offend any of them!"
I pursed my lips and said, "I'm full? Why don't I offend others?"
Mo Ke snorted and said: "How bad is your mouth, how bad is it, besides, I don't know about your character of jealousy and hatred. When you meet someone who doesn't like you, your mouth won't hold the door! Remember Ah, no matter what today, you have to leave a good impression on me, which will facilitate my work in the future!"
I nodded and said, "Follow the leader!"
After the lecture on the stage was over, another one went up to talk a bunch of nonsense, and in the end I still promoted my own financial products. I took a glass of cocktail from the waiter and took a sip. Had a glass.
A fat man next to me patted me, and I almost spilled wine on his face, not because I made a fuss, but because his hand was too strong.
"Mr. Chen, are you here too? Me, Wu Dabao, Wu Fatty, I don't remember, a toilet seller!" The fat man said to me with a smile.
I shook his hand and said enthusiastically: "How can I not remember? It's only been a few days since I saw you! Oh, you're so proud of the spring breeze, this suit is really serious!"
Fatty Wu said embarrassingly: "Mr. Chen, you are laughing at me! With my figure, no one would order it for me, saying that I would destroy their brand reputation!"
I smiled and said, "Which store? What brand? Do you still want to do business? Do you want me to ask someone to demolish their store?"
Fatty Wu said with a smile: "Mr. Chen, you really know how to joke! You are really different from other bosses!"
I wondered, "Why is it different? Not like the boss?"
Fatty Wu shook his head and said, "You have no airs! You are approachable and talkative!"
I said with a straight face: "I'm notoriously hard to talk, I'm a tiger with a smiling face, you have to be careful!"
Fatty Wu still smiled and said: "No, I know you are warm-hearted! The suggestions you gave me are really practical! I didn't plan to sign for a few more years. After you said it, I will talk about it. , they refused at all, and then I said... sorry, I just said that I know you and you introduced them, so they were willing to sign with me, and the price has doubled in less than a month! I earned more than 50 yuan from this agency alone!"
I hissed and said, "Don't talk nonsense! If only my name was so valuable!"
Fatty Wu said gratefully: "I know that you have greeted them, and you didn't let them tell me, but I know it all! Thank you very much!"
I cut it and said, "How do you thank me? With your mouth?"
Fatty Wu said with a smile: "Then how can I help you?"
I thought for a while and said, "Where did you buy this suit? It fits really well, I have to buy one too!"
(End of this chapter)
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