I really just want to make money

Chapter 195 I Can Still Save It

In the car, Li Yu was speechless.

"Isn't it just a loan repayment, is it so serious?"

Chen Xiaoming scratched his head in embarrassment. He was indeed overly nervous just now. The sentence "something happened in the marketing department" shocked both Cheng Lu and Li Yu.

The last question was clear. It was just a loan customer who went to the branch and said that the loan was not paid...

"Well, Director Li, the loan scale of our marketing department is relatively small. Although this 200 million loan is not much, once it is overdue, the zero non-performing rate that our branch has always maintained will be broken."

Well, this can be regarded as a characteristic of Huaguo.

As long as it is a zero breakthrough, it is a big event, it may be a good thing, or it may be a bad thing.

Li Yu encountered bad things this time.

Fortunately, there are systematic rewards and comforts, and this little depression was immediately washed away.

"The loan investigation and fishing task is completed, and the reward is 100 million yuan."

"Reward balance: 102 million"

……

Back at the sub-branch, I saw a well-dressed middle-aged man sitting in the meeting room with a sad face.

Why do you say well-dressed?
The first-class big back hair is combed and polished, and there is a shiny silver earring in the left ear. On the neck and wrist, there are all kinds of weird jewelry.

The eyebrows are neat and uniform, which feels a bit strange, Li Yu took a closer look.

I wipe.It's eyebrow tattoos!

Well, there are still many weird places, but Li Yu said that he is not interested in men and doesn't want to take a closer look.

On the way back, Chen Xiaoming had already introduced the general situation of the other party, and Li Yu was not too polite, and said straight to the point:

"Mr. Wei, your loan is due in half a year, why is there something wrong now?"

The owner's name was Wei Yong, and his face became even more bitter when he heard Li Yu's question.

"Director Li, right? I really don't want to renege on my debts. Our company was originally engaged in export trade. This year, overseas orders have dropped significantly. Although the company's operations are difficult, it is not enough to pay off the interest. Hey! The problem lies with me. On my partner..."

After listening to Wei Yong's complaints, Li Yu couldn't help feeling that he is not afraid of opponents who are like gods, but teammates who are like pigs.

Wei Yong and his partner are alumni of a school. Wei Yong studied fashion design and later became a well-known designer in the industry.

With fame, there is naturally ambition, and then he and his current partner opened a clothing factory, focusing on trendy clothing, and doing OEM for large foreign factories.

In the past few years, the market was good and I made a lot of money. I took out loans, bought land, built factories, and expanded production. After a set of procedures, I was preparing to show my talents.

Oh, overseas orders are no longer available...

The next step is the painful transformation, from export to domestic sales.

The business experience in foreign countries is completely different from that in China. The two hit a wall and suffered a lot.

This time it was even worse. In order to get the order, the partner accompanied the client to Macau to play, but was tricked by someone, directly breaking the company's entire capital chain.

"The company has lost a penny in its accounts. It can't even pay workers' wages this month. There must be no hope for loan interest."

Wei Yong was very single, so he went straight to the bank.

I've lost a penny, so tell me what to do!

It is the uncle who owes money.

If it were Xiaobai's account manager, he would really be intimidated by him, but Li Yu is now the boss of the company anyway, and he can understand the boss's mentality very well.

As long as there is a glimmer of hope, they will not give up their hard-earned property.

That being the case, Wei Yong's purpose is obvious...

Even bluffing and cheating, trying to force the bank.

Hehe, think too much...

Anyway, other people who owed money did not own the money, so I was so nervous.

Li Yu saw it very thoroughly and didn't panic at all.

"I sympathize with Mr. Wei's experience, but this is not what our bank should care about. Your loan is mortgaged by the maternity house and land."

"Mr. Wei, you don't want the factory to be auctioned off by the bank, do you?"

Li Yu said calmly.

Originally, I thought that if I was a bachelor, the bank would discuss it with me, but I didn't expect this young director Li to be so young, and he threatened to auction the factory building when he came up.

Wei Yong's plan was disrupted, and he didn't know how to answer for a moment.

Seeing this, Li Yu laughed heartily.

This person, just can't be coaxed, if you are tougher, the other party will be softer.

Disrupting the coercive atmosphere created by Wei Yong, Li Yu didn't really want to auction off his factory.

This kind of economic dispute, from prosecution to auction, after a set of procedures, it will not be over within a year or two.

Prosecution itself is a lose-lose affair.

If it can be negotiated, Li Yu doesn't care about taking half a step back...

"Mr. Wei, let's not talk secretly. You came here this time, you must have thought of some solution?"

Wei Yong was thinking about how to find a platform for himself, when he suddenly heard Li Yu's question, he was relieved, and at the same time, he was secretly grateful to Li Yu.

"Director Li, I still have some stock and raw materials in my warehouse, but now there is no working capital, and these goods can't be cashed out, so I would like to ask you to help me, as long as I can lend me another 20 yuan, as long as I can transfer the company, You can slowly repay the loan later..."

After Li Yu listened, he and Cheng Lu looked at each other, speechless.

He didn't know whether he should call Wei Yong stupid or naive.

Banks have always been the icing on the cake, when will it be the icing on the cake?
Knowing that your company's capital chain is broken, if you repay the loan and something goes wrong, wouldn't we have committed the "crime of issuing loans in violation of regulations"?
Looking at Wei Yong, the big designer of Wei Yong, who is innocent and dressed in a trendy style, Li Yu probably knows why he broke the company's capital chain.

"Mr. Wei, your partner must have run away with the money, right?"

Wei Yong was startled, and almost blurted out, "Ah? How do you know?"

After finishing speaking, Wei Yong quickly shut up, with embarrassment on his face.

He just lied.

To be precise, nine points are true and one point is false.

He didn't have the nerve to say that because he trusted his partner, he let the other party run away with the money...

Li Yu gave Wei Yong another chance to make a statement, but this time he didn't dare to lie again.

It turned out that it wasn't that his partner was scammed, but that he was scammed jointly by his partner and an outsider, resulting in more than 100 million funds being defrauded, and he didn't even have evidence to arrest him.

After Wei Yong finished speaking, he also felt ashamed.

"Ahem, um, because I'm mainly in charge of design and production, and my partners are in charge of the company's operations, so..."

Before Wei Yong finished speaking, Li Yu laughed, "So you don't even have a market for your inventory, do you?"

"Yes……"

Wei Yong lowered his head in shame, he was slapped in the face again.

There is no market, which means that even if he can get a loan of 20 from the bank, the company is still dead.

"Actually, I just want to borrow some money to pay the wages of the workers..."

(⊙o⊙)...? ?

Li Yu shook his head speechlessly, he really didn't know how to describe the person in front of him.

Very silly and naive, similar to Ejiao.

But Li Yu didn't think he was a bad person.

Because at this point, the other party wants to borrow money to pay off the wages of the workers, and then lie down and wait for the bank to auction off the property. You really can't say that this kind of person is a bad person...

"I'm sorry, in your situation, it is impossible for us to give you any more loans. If there is no accident, we will seize your property and all inventories."

Hearing Li Yu's merciless decision, Wei Yong's face turned pale, and beads of sweat began to appear on his forehead.

It was also the first time for Cheng Lu to see such a scene, and she couldn't bear it.

She was about to ask how much inventory the company had, but Li Yu suddenly smiled.

Cheng Lu's beautiful eyes are full of doubts, people are so miserable, you still have the nerve to laugh...

Realizing that his smile was noticed by others, Li Yu quickly put away his smile and asked:
"Ahem, Mr. Wei, I want to ask, what are your company's inventories, and what is their value?"

Wei Yong had already been hit. At this time, Li Yu asked whatever he asked, and he would say what he said honestly. At this point, there is no point in concealing it.

After careful questioning, Li Yu had an idea in his mind.

In addition to fixed assets such as factory buildings, land, and equipment, there are two parts of assets in Wei Yong's hands that can be realized.

Part of it is ready-made clothing products in stock, and this part is mainly down and cashmere clothing, about 1 pieces, worth 80 million yuan, which can be sold directly to the outside world.

There are also some raw materials and semi-finished products, worth about 40 yuan, which need to be produced and processed before they can be sold.

The value mentioned here is the cost price.

If what Wei Yong said is true, there is still room for redemption

"So, if you can revitalize this part of the asset sales, the company can still continue to operate..."

Wei Yong immediately raised his head when he heard the words, and a glimmer of hope flashed in his eyes again.

"Yes yes, my company still has hope..."

"But you don't have a sales channel."

Wei Yong: "..."

(End of this chapter)