Alternative Bodyguard:Beauty president falls in love with me

Lin Hai doesn't know about these things. It sounds like the friend mentioned by vice president Zhao should be scorpion himself. Lin Hai really doesn't know about the relationship between scorpion and vice president Zhao. However, scorpion has performed rescue or other tasks many times before like him, so it's possible to know vice president Zhao in this way.

"To tell you the truth, it's not difficult to make a loan. First of all, we must go through the normal asset appraisal process, and then give the result whether it meets the conditions of the loan, as well as the amount and interest of the loan."

"However, if you only look at what you said and this information, I can say that your conditions make it very difficult to apply for a loan. Even if it can be approved, there is not much to tell you the truth. It can only be said that it is a drop in the bucket."

"Because your asset situation is not optimistic, your so-called lack of debt is only one aspect, but our bank is not only looking at the debt situation, this is only one aspect. Let's say, as long as we prove that your company has good enough operation and development, good income and sufficient repayment ability, Even if your debt reaches a billion, it's not a problem. "

"But at present, you are just a brand-new company, and you don't even have any revenue, so it's impossible for you to apply for a credit loan. It doesn't meet this condition at all, because you don't have any running water at present. And other fixed assets, converted down, are only about 10 million. If you want to use them as mortgage loans, I'm afraid the amount can't meet your development needs. "

Lin Hai nodded his head. Vice president Zhao's words are very real. Of course, they are not optimistic. But this is the reality. Lin Hai can only listen and then see what other methods are available. After all, he really needs money now, and it's a lot of money.

"As for the personnel, there is no way to count them into the assets. At least when our bank assesses them, the criteria are not the same as those you treat the personnel as a security company. To put it bluntly, we all look at the value that people can produce. There is nothing wrong with that, but we also have to consider the risks behind it. For example, the business output value that these people can bring is real money, and there are risks. "

"Because you can't guarantee that even if you have these personnel, you will be able to generate the corresponding turnover and profit, and at the same time, you have to consider the flow of personnel and other factors. Therefore, it's difficult to make the corresponding valuation for this part. At least, the result must be completely different from your ideal."

"What's more, your company has not been able to be regarded as a high-quality customer for our bank because of its poor operation. This historical record is not optimistic. In addition, after a series of changes in the main body and legal person, it is equivalent to being a new company. I don't know if you have ever understood. Generally, a newly established company will not be approved to apply for a loan. "

Vice president Zhao explained very carefully, and Lin Hai listened patiently. Fortunately, he had this psychological preparation and knew it was not so easy. Otherwise, Zheng long should have tried his best to get the loan and put it into improving the company's operation.

"In fact, although I am not professional enough, I generally know that the loan is not so easy, but anyway, I still want to try it." Lin Hai said with a smile.

Vice president Zhao nodded: "no way, I have to explain this situation to you first. After all, these funds are the assets of the state or the bank. As the gatekeeper of this loan, we must strictly control and be responsible for our own behavior and state assets."

"But it doesn't mean that you can't apply at all, or you can only apply for a small part." "To tell you the truth, if it is in accordance with the general audit standards, I will definitely refuse your application directly, or even can't get to me," said vice president Zhao

"But now that my friend has told me that I believe in her, she will not say that she will do anything that may harm the interests of the country. If she asks you to apply, then I believe she must believe that you have the ability to undertake it. Including the development plan I saw, I believe there is some truth, but I still need to take it for a formal evaluation. "

"You know, I know about human relations, but let outsiders know that it's not only bad for you and me, but also for my friend. She put down her face and identity to entrust me with this matter. She must attach great importance to you, so we must not give her extra trouble."

I have to say that the people scorpion is looking for are really very reliable.

Vice president Zhao continued: "not only because of this, but also because the security industry itself belongs to a special industry, which plays an extremely important supporting role in maintaining social stability and security. Especially in an international metropolis like Donghai, this industry has attracted more and more attention and will gradually attract more policy support."

"My idea, of course, is to help as much as possible, so first of all, you should bring the transfer procedures and contracts of the original company to prove that there is an undertaking relationship with the previous company, and that the company has a normal operation period. In this way, the approval can be passed first."

Lin Hai carefully remembers that what vice president Zhao said was professional, but what he said was very simple and he could fully understand.

"Then you can apply for a mortgage. I'll make the loan as much as possible, including the interest."

"At the same time, because you are self-employed, Donghai city vigorously supports individual self-employed behavior, so there are a large number of venture funds and loans, the threshold is relatively low, the interest is very preferential, our bank also has this project."

"Security companies are emerging industries with low input and high output, and they can better absorb social workers to promote employment. Therefore, if you meet such requirements, you can apply for this loan in the form of portfolio. This is how it works out.... "

He thought for a moment: "the specific evaluation results still depend on, but it should be able to lend tens of millions."

"To tell you the truth, this is my limit. After all, the business status of your company is completely unknown at present. What I can do is to provide the maximum support within the scope permitted by the policy, because it is impossible for me to say that I am recklessly squandering the money of the bank and the state as my own assets, so I can only help you so much at present."

"If it turns out that you really have the ability and the company is in good condition, you can further apply for other loans."

Lin Hai's current demand for funds, of course, is that more is better. He won't be too much if you give him several hundred million yuan, but he also knows that according to the situation of the security company, it's good to be able to apply for a loan, which is also enough to alleviate his urgent need for quite a period of time.

So he said thanks with a smile, and then asked vice president Zhao in detail what materials and application process he needed to submit further.

These are all specific businesses. Vice president Zhao is also a busy man, so he directly asked a manager in charge of specific loan business to come and explain to Lin Hai in detail. To tell you the truth, he will not receive loans of such a level as Lin Hai, and he will not show up at all. This is a complete exception.

The business manager told Lin Hai in detail what materials he needed and what processes he had to go through. After all, Lin Hai had to go back and forth several times, because many materials had to be certified and sealed by other departments, submitted to them, and then waited for the results. It was impossible to say that when the results came out at that time, he had to go back and forth. After all, there were tens of millions of loans, It's not like going out to borrow money from friends. The bank has its own process. It's not that easy.

But it's worth the trouble for Lin Hai. In short, it's more important for him to get money to maintain the operation of the security company for a period of time.