The Pentium Era - South to North

They went to a hotel on Hongwu Road for a late-night snack. The frog hotpot, stinky tofu and large intestine, and stinky mandarin fish here were delicious.

After sitting down, Liu Ligan and Meng Ping told Zhang Chen the reason why they wanted to send him away today. Zhang Chen said that the guarantee was enough, so what's the big deal.

Liu Ligan smiled and said to the others, "If you see it, I will say that this is the first one who can block the hole of the gun."

Liu Ligan and Zhang Chen said, you are willing to guarantee, and people are also targeting you, but do you know that it is not necessary at all.

"Why? Why do they want me to guarantee it if it's not necessary?" Zhang Chen was puzzled.

"All financial institutions are like this. They hope that their risks will not only be reduced to zero, but preferably negative. Don't talk about you Zhang Chen. Even if ICBC and China Construction Bank want to guarantee Lao Meng at the same time, others will not say, No, no, no, as long as you have ICBC, CCB doesn't need it, he still wants them all.

"You Zhang Chen, even if there are ten, he will want it. This is their risk control, but is it fucking possible? If you want to earn such a high interest rate spread, you must know that the bank's money does not belong to the bank itself, but to How much interest does he pay to depositors? He is making money with other people's money. You want to make money, but you don't want to take a little risk. Is that possible?

"As far as Lao Meng's money is concerned, people are optimistic about this project, and the guarantee measures are sufficient. It can be done without you Zhang Chen. You said you came in now, is it necessary?"

Zhang Chen thought about it, and Liu Ligan's words made sense. Since he could do it with or without himself, it seemed that his guarantee was indeed redundant.

"Then fuck, just tell me clearly and ask me not to attend the meeting. Why did you put me in that damn place to see the dark Xuanwu Lake?" Zhang Chen cursed, while Xu Jiaqing and Li Yang were laughing.

"Then if Mr. Qiao or Mr. Yang meet you in the hotel, they are all old turtles and have good conversational skills. They will definitely tell you, Mr. Zhang, your company is good. We have visited it. If I ask you again about your relationship with Lao Meng, what would you say? You must say they are brothers, right?

"Then they will look very embarrassed and tell you that your friend's project is good and the future prospects are promising. However, the amount is too large. When we submit the report, it will be difficult to get approval. Mr. Zhang , if you can guarantee your friend, there will definitely be no problem with this loan. Come on, tell me, what will you say at this time?"

Liu Ligan asked, and Zhang Chen said without hesitation, "I'm sure there is no problem." What problems will there be in Lao Meng's project?

"Did you see that, you are so needless and you have put yourself at the gunpoint again? This is why I can't let you show up at the Jinling Hotel, and I can't let them have the opportunity to say these things to you." Liu Ligan said , “They know risk control, and we also need to know risk control.”

"What's the risk?" Zhang Chen wondered, "Lao Meng's project."

"There are still risks, Zhang Chen. Thank you for your trust in me. The pole is right. We can avoid it, but we still have to find ways to avoid it."

Meng Ping looked at Zhang Chen and continued:

"In this world, as long as we are doing projects, it is impossible to be without risks. What risks do our projects in Haicheng, Jinghai International Financial Center in Pangzi, and Xinbu Island projects seem to have? They are all profitable, but Didn’t they all die inside in the end?

"Since the bank wants to make this money, it must bear this risk, and we also bear our risks, but we cannot say that our responsibilities will be expanded indefinitely. The result of the expansion is that they have no risk at all, and we bear all the risks. This is also unreasonable from the perspective of fair transactions.”

Zhang Chen nodded and Liu Ligan said:

"At the meeting today, I was asked to vouch for you, but Lao Meng blocked me. Lao Meng has already set the tone. He said that he and you are just ordinary friends, not enough for you to vouch for him. Zhang Chen , do you understand, no matter it is in Nanjing or Hangzhou, if you meet them, you must adopt this tone, otherwise you will betray Lao Meng."

When Liu Ligan was talking, Qian Fang and the others were laughing. Liu Ligan looked at Qian Fang and said to Zhang Chen, "One of them has already died, so don't be the second one."

"Oh, it's me again, won't you let me go? Is it okay if I don't go tomorrow?" Qian Fang shouted.

Meng Ping glared at her: "You think it's okay if you don't go? If you don't go, people will remember you. That idiot, where is that idiot? Hurry up and ask her to sign a guarantee."

Qian Fang pursed her lips and shook her head. Ye Yilan asked, "Can you tell them that you agreed yesterday, but after thinking about it today, or after discussing it in the company, you decided not to guarantee it?"

"Genius! What a genius!" Liu Ligan shouted, "What's the reason? Yesterday it was said that it was possible, but today it's said that it's not possible. What's the reason why it's not allowed?"

"Just say, just say..." Ye Yilan said carefully, "Just say there are risks."

"What a genius idea." Liu Ligan sneered, "That person suffocated Lao Meng to death with just one sentence. Mr. Meng, even your friends have to withdraw their guarantees. Doesn't that mean that your project has What potential risks are we not aware of? I'm sorry, Mr. Meng, we can't do this business either. You really messed up this matter."

Ye Yilan stuck out her tongue and stopped talking.

"Do you think a legal person is so easy to be a legal person that you can just say a few words? What a legal person says represents your company. Especially in such a formal occasion, it is difficult to speak. Once you open your mouth, the words will come out. , I can't take it back, tomorrow will be a sea of ​​swords and fire, Qian Fang must also sign this, otherwise, there will be no discussion on this matter."

Liu Ligan said this to Qian Fang and Zhang Chen. When he said this, Liu Ligan suddenly felt that he looked like the same person tonight, that is, Lao Xia, Mr. Xia, he Thinking back on it, Lao Xia taught him this sentence by sentence.

…

The meeting on the next day was still held in the original conference room. Mr. Yang continued to persuade Meng Ping to increase the guarantee measures. Meng Ping always emphasized that this was the only thing he could provide.

Meng Ping, Mr. Yang and Mr. Qiao said:

"It's not that I can't find a friend to give me a guarantee. If I really want to look for it, I can still find it, even a large-scale enterprise. But Mr. Yang, do you know that when you asked me to increase the guarantee, your original intention was to reduce the guarantee? risk, but it may actually increase the risk.”

"I don't quite understand this. Mr. Meng, can you explain it?" Mr. Yang said.

Meng Ping said: "Mr. Qiao should be very familiar with the domestic situation. Mr. Yang has been in China for such a long time. I think he should also be familiar with the domestic situation. It is normal for businesses to help each other, but this kind of help , it's all about reciprocity. If you come and go but don't go back, not only is it disrespectful, but you won't be able to get along in the circle of friends.

"If Mr. Yang must ask me to find another company to provide guarantee, I can go find it and ensure that this company can pass your guarantee qualification review, and the legal person can also sign and agree to the guarantee, but in this way, my matter is resolved Yes, but the favor is also owed. He will also ask me to guarantee him next time. I have to do it. I can’t make sense if I don’t do it, right?

"I can properly manage and use your money and ensure that this project proceeds smoothly, but to be honest, I cannot guarantee that his operation will not be risky. If his operation is risky, I have given him a guarantee. Then will his risk become my risk? Will my risk soon become..."

"Mr. Meng is right. We should not increase this kind of guarantee." Before Meng Ping finished speaking, Mr. Qiao waved his hand to stop him. He said, "We understand Mr. Liu's company, so Mr. Liu's We can rest assured of the guarantee. As for other companies that we don’t know about and still need Mr. Meng to provide mutual guarantees, I think it’s better to forget it.”

Mr. Qiao looked at Meng Ping and said: "By the way, Mr. Meng, we will also add this clause to our agreement, that is, you cannot provide any form of guarantee to any other company without our permission. This clause is yours." Do you agree to the increase?”

Meng Ping nodded: "I agree."

"As a guarantee company, Mr. Liu, do you agree that Mr. Meng's company will not provide similar counter-guarantee for you in the future?" Mr. Qiao asked Liu Ligan, and Liu Ligan said yes.

"Where's Mr. Qian?"

"Okay." Qian Fang nodded.

"Mr. Meng, adding this clause to the agreement will not only reduce our risks, but also reduce your pressure." Mr. Qiao smiled.

"Reducing my pressure?" Meng Ping was confused.

"Yes, have you ever thought about it? In the future, there will definitely be various relationships and various channels. Some companies will ask you to provide guarantees for them. At this time, you only need to show them our agreement to show that you and the financial institution have this As agreed, you can’t help even if you want to, so do you have to understand even if others don’t understand?”

"Yes, yes, Mr. Qiao is right, I really didn't expect this." Meng Ping said with a smile.

Mr. Qiao turned his head and discussed something with Mr. Yang quietly in Cantonese. The people sitting opposite them all turned their heads away intentionally and did not pay attention to them, but Liu Ligan saw from the corner of his eye that Mr. Yang seemed to What are you still insisting on? Mr. Qiao's face looked a little unhappy.

Someone knocked on the door, and then Cao Xiaohe walked in. People in the conference room, including Mr. Qiao and Mr. Yang, stopped and looked at her.

Cao Xiaohe walked over. Meng Ping frowned slightly and asked her, "What's the matter?"

Cao Xiaohe said softly: "Mr. Meng, those Chaozhou people from Hong Kong have arrived."

Cao Xiaohe said softly, but the conference room was too small, everyone was too close, and it was very quiet at this moment. Everyone heard her words, and Liu Ligan saw Mr. Yang's eyebrows jump.

Meng Ping looked at his watch, leaned over, and whispered to Qian Fang: "Please help me go down and make arrangements. Just tell me that I'm on my way from Wuxi and won't arrive until the afternoon."

Qian Fang said yes, stood up, and walked out with Cao Xiaohe.

Not long after they walked out, Mr. Yang pondered for a moment and said to Mr. Qiao, let's go out for a while.

The two people stood up, nodded to Meng Ping, and walked out.

The three people in the conference room looked at each other and wanted to laugh, but they tried hard to hold it back.

Ten minutes later, Mr. Qiao and Mr. Yang walked in. Mr. Qiao and Meng Ping said:

"Mr. Meng, Mr. Yang just reported to their bank. Mr. Yang helped Mr. Meng with this project and said a lot of good things. Their bank has agreed to issue this three-year development loan to you through our company. We will accept it." Come down and discuss the specific details.”

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