Feminist God

  Chapter 170 If the bank does not change, I will change the bank

   Just when almost half of the netizens knew about the update news of Panda.

  Lin Qing and Lin Xue have come to the Industrial and Commercial Bank for loans with relevant documents such as the bank's current flow for the past six months, bills from the Ministry of Industry and Information Technology, and company certificates.

   Regarding the matter of funds, it has become the most important thing restricting Huaqing's development, not one of them.

  On the one hand, there will be two new departments immediately after the Panda update, and on the other hand, the corresponding positions in other departments should also be improved one after another, and all of these need money to support everything.

   This is only a personnel issue, and does not involve necessary work equipment such as office space and servers.

  According to Lin Xue's statistics, if we add another 100 employees, at least 5 million will be needed for the company's sufficient operations.

Based on the above, the only thing that is more worry-free is that it is faster to recruit employees. If you really spend money on the entrepreneurial center, it will only take two days at most. One should come.

  But these also need money to support.

  So Lin Qing can think of a place where money can come from at present, and only the bank can make such a large amount of money in a short period of time. As for financing or investment, it is not in Lin Qing's consideration at all.

  He and Lin Xue walked into the Xicheng Industrial and Commercial Branch Bank, handed in a set of documents and procedures in front of the counter, and expressed their intention to come and hope to get a loan of at least five million.

  The teller was a middle-aged man. He glanced at the documents, then raised his head to look at Lin Qing outside and asked in astonishment, "Are you the boss of Huaqing?"

  Lin Qing nodded.

   Astonishment is nothing but astonishment, but such a huge amount cannot be approved by a small teller.

  The teller shook his head and said: "These documents are enough for a loan of tens of thousands of dollars, but the amount of several million is too large. Sorry, I need to report to the manager."

  The attitude of the teller was very good. Before leaving, he still reminded: "You have to be mentally prepared. Your computer company is not considered a physical industry. Our manager may not agree to a huge loan."

  Lin Qing nodded and said with a smile, "Thank you."

  He didn't take the teller's reminder to heart at all, because he had the bills issued by the Industry and Information Technology Department in his hand.

   With these bills back and forth, it is not difficult to get a loan, as long as the manager is not embarrassed.

   After a while, the teller invited Lin Qing and Lin Xue to the VIP room and served two cups of tea.

   Another pass introduced a capable-looking middle-aged woman sitting on the sofa, "This is our Manager Sun."

   "The two are Lin Qing, the chairman of Huaqing Technology Company, and Lin Xue, the legal person and director."

   After the teller finished his introduction, he exited in a sensible manner.

  Manager Sun took a sip of his tea and carefully looked at Lin Qing and Lin Qing. Their names were not very obvious, but the company was like thunder.

   It's just that she never thought that the real controller behind Huaqing would be a young man who was only twenty years old.

   And he is so handsome.

   If it is said that the chairman of Huaqing Technology Company is a male god, no one will believe it!

  After all, men have always been timid. They are inferior to women in terms of courage and physical strength. They are only suitable for supporting wives and teaching daughters at home.

   Manager Sun has mixed feelings in his heart. Even if Huaqing is not as promising as it was a while ago, such a career is enough to make most women feel ashamed!

  She withdrew her complicated thoughts, and said with a smile: "I already know about the fact that Mr. Lin and Mr. Lin came to borrow money."

  Lin Qing said seriously: "How long will it take for the approval?"

  Lin Xue added in a timely manner: "The company is short of liquidity recently, and our loan can be repaid in one lump sum within two years at the latest."

   "I have heard the purpose of your coming."

Manager Sun lowered his head and flipped through the information on the coffee table, and soon showed a regretful expression, and said with a smile: "Sorry, the number is too big, if it is hundreds of thousands, I can approve it, but several million There are too many and cannot be approved.”

  Lin Qing frowned, and focused on Ming Gongxin's bills. These data are enough to prove that Huaqing is capable of repaying the loan.

   "These bills are confirmed to be real, but these are just one aspect. We don't have any loan experience in your virtual industry. It's really a pity, and your company hasn't been doing very well recently, right?"

   Manager Sun also has some understanding of Huaqing's recent decline.

   To put it bluntly, the loan to Huaqing Company now will undoubtedly become the worst failure in my performance!

  Lin Qing frowned subconsciously. Banks have always been inefficient and charged arbitrarily, and conservatives have long been criticized.

   But when he came to take out the loan, he really realized the unreasonableness of the bank!

   To put it bluntly, it is not just Huaqing that has difficulty getting loans, but most enterprises have difficulty getting loans, and this has indirectly led to large-scale closures, resulting in increased unemployment, a sharp drop in people's living standards, and increased social unrest.

   It can be said that the agency of the Ministry of Household Affairs is supposed to serve the public on the surface, but in fact it has gradually evolved into a money-making machine.

  Take lending as an example, I have complete procedures, and according to the regulations of the bank, salespersons should be dispatched to conduct investigations and visits to determine whether they are able to repay the loan before deciding on the final approval.

  But now they have decided not to lend money without even investigating and visiting?

  No, people lend one-tenth of the loan

   "Manager Sun actually has a new project in our company, and the bank doesn't have to worry about our inability to repay the loan." Lin Xue explained with a smile.

   Manager Sun shook his head. The Internet is a virtual industry, and the risk of guarantee is too great.

   And what good is a new project?

   Could a virtual thing be worth more than 5 million?

  In short, Manager Sun is not optimistic about virtual industries such as the Internet.

   Right now it is difficult to get a loan, so Lin Qing had no choice but to raise an eyebrow at Lin Xue.

   "Manager Sun might as well send a few salesmen to visit and evaluate." Lin Xue smiled dryly.

  She stood up and took out two hardcover cigarettes worth 3,000 yuan from her black backpack and put them quietly under the coffee table.

   Manager Sun glanced down, and shook his head regretfully. The benefits and risks are completely out of proportion. The loan of these millions will cost at least 200,000 yuan.

   "This..." Lin Xue took out another red envelope.

  The red envelope is not thick, and the approximate amount is no more than 10,000 yuan for the bank staff at a glance.

   Manager Sun frowned, and said seriously: "What do you think of me as someone who wants to bribe me with something worth 10,000 yuan? Or do you mean that your Huaqing company only has the courage to loan?"

  Such a conversation is already very obvious, the red envelope in Lin Xue's hand is held up in mid-air, neither to accept it, nor to give it away.

   "You mean you are not polite enough?" Lin Qing smiled.

   This ten thousand yuan can already buy a very good server, no matter how bad it is, even if all the money is given to the employees, it will only be a few tens of dollars, and it will definitely get the smiles and thanks of the employees.

  It's a pity that the money is given to animals now!

   Manager Sun was stunned, what is this for? Do you want to report bribery?

  The man is indeed a fool who doesn't understand the law. If he reports himself, can he escape if he bribes?

   Then Manager Sun's face suddenly became weird.

  She saw the chairman of Huaqing, who was only 20 years old and was supposed to be a boy who was being coaxed by girls' sweet words, but he took back all the red envelopes and cigarettes in a super shameless manner!

  How could he be more shameless than a woman? Is he still a man?

  Lin Xue was also completely defeated by his cousin, he really forgot the restraint and gentleness of a man, and went further and further on the road of a woman.

  But after seeing Lin Qing stand up, she also stood up immediately and bent down to put away all the materials she brought.

  After all, the Ministry of Household Banks are all over the place, and this one will just replace it.

  Lin Xue smiled stiffly: "Since Manager Sun does not lend money, we have no choice but to leave."

   "Don't even think about going to other banks for loans, because you can't get huge loans with virtual industries, because this is the old rule of banks!" Manager Sun smiled.

"Oh? Really?" Lin Qing's handsome face gradually put away the smile, and Lin Xue tugged at him, but Lin Qing pretended not to notice, and said to Manager Sun very seriously: "If the rules of the bank don't change, then I will Just change the bank!"

  (end of this chapter)