"You...... You even know that our bank is going to be listed?" Lin Mingzhen was surprised again.

This is not to say that the listing of a state-owned bank is a secret, but in a small place like Liangcheng, it is impossible for ordinary people to care about this except for people in their industry, and moreover, ordinary people do not understand what listing is.

In Langzhou, there are currently only two cities with securities companies, and most of them are concentrated in the south of the provincial town. At present, there is no securities company in Liangcheng to carry out business, which at least shows that there are still very few securities investors in Liangcheng, and there are very few corresponding shareholders.

Lin Mingzhen's feeling is that in Liangcheng, ordinary people don't care about the news of the securities market, and they can even say that they don't read it, and they can't understand it anyway. As for whether the stock market goes up or down, there is zero impact on people.

Overall, there are only five listed companies in Langzhou, four of which are located in the south of the provincial town, and four of the five are state-owned enterprises. Only a large pharmaceutical factory in the provincial capital belongs to the private joint-stock system, and the sales of this pharmaceutical factory are less than one billion, and its listing approval has only been passed this year.

Therefore, it is not surprising that a middle school student like Hu Mingchen can say that their bank is going public and a series of measures are being taken to rise.

Needless to say about Hu Mingchen, even Lin Mingzhen himself is in the bank, and his grasp is not so certain and accurate.

In fact, since Hu Mingchen learned that Lin Mingzhen took the initiative to mention the loan to Hu Jianqiang, he deliberately paid attention to the relevant news, and for this reason, Hu Mingchen also called Ma Jiahao and asked Ma Jiahao to prepare some information for him.

"What's not to know about this, not only your bank wants to be listed, but the vast majority of banks are going to be listed, this is listed, of course, the financial report is very important, and investors can't be no longer interested in investing at all, and they can't let the stock price lie on the ground. Hu Mingchen said lightly.

"That being said, but our listing is the overall behavior of the national head office, and our branch is relatively a small shrimp, even if it makes a move, it is limited to our Liangcheng, and it is really not a fart in the whole country. Lin Mingzhen said.

Hu Jianqiang couldn't interject at all at this time, so he could only sit next to him and be a listener quietly. The content of the two of them is beyond Hu Jianqiang's understanding and knowledge. At the same time, it is undeniable that this has also caused a certain degree of stimulation to Hu Jianqiang, stimulating him to learn more knowledge. If this person's knowledge level is low, and he can't even talk about chatting and bragging, it will also hurt a lot.

"Uncle Lin, if you say something that may offend you, this may be your idea, in other words, your governor may not think so. Yes, what kind of action do you have here, it is true that you can't set off any storms, especially in the whole country, there are many big coastal cities, who can see your achievements. But don't forget, is the work you're doing now, or your efforts, for the leaders of the head office in the capital to see? Of course not, they can't see it. There are so many branches in the country, and Liangcheng is a small place, and the leaders of the head office will not look at it. Then let's think about it, what about the provincial line? Do they look at it?" Hu Mingchen said layer by layer.

"Look. Lin Mingzhen replied honestly.

"Well, the work of the leaders of the sub-branch is for the leaders of the provincial branch to see, if everyone is a pool of stagnant water, or as in the past, who will the leaders of the provincial branch look at? I don't think anyone will look at it. We narrowed the situation down to your side, and you didn't do your work for the big people in the province to see, they couldn't see you. But your current boss can see it, if you put forward a good suggestion, let the leader pay attention to and adopt it, it will be a good thing for you. Do you think this is the truth?" Hu Mingchen continued to move from macro to micro.

Hu Mingchen's words made Lin Mingzhen fall into contemplation, and the more he tasted Hu Mingchen's words, the more interesting they felt.

There are some truths that everyone thinks they understand, but they seem vague and unclear. Just like life, everyone is living, everyone is talking about the truth of life, but only people who speak well and thoroughly will become life coaches, and the articles they write will become chicken soup for the soul.

Lin Mingzhen's loan is the same, he has fallen into conventional thinking a little, he wants to behave, but he doesn't dare to break the routine, so how can he do it, at most, he has progressed from decadence to inaction.

Hu Mingchen and Hu Jianqiang didn't bother him, and the two of them drank tea by themselves and waited.

Seeing that Hu Mingchen actually said Lin Mingzhen in a bad way, Hu Jianqiang couldn't help but give him a thumbs up, if it was him, he wouldn't be able to do it anyway. It is this kind of verification again and again that makes Hu Jianqiang always ask Hu Mingchen's opinion or listen to Hu Mingchen's decision when he encounters a slightly major decision.

Hu Jianqiang felt that his nephew was not simple, and he also thought that he was inferior to him.

It took about a minute or so for Lin Mingzhen to wake up.

"Makes sense, you make sense. Lin Mingchen nodded at Hu Mingchen and said, "It's just that no matter how reasonable it is, this movement is not a big trouble, we can't approve such a large loan to you, even if you can find someone to say hello, it is estimated that it will be difficult." It's really your strength...... It's really not big enough. ”

"Hehe, Uncle Lin, do you think I'm a person who has no purpose? We won't greet anyone, and I also believe that your president will approve it, hehe, I have full confidence. Of course, this is also because you still lack understanding of our company, and if you did, it would not be like this. Let's tell you this, we can come up with at least 300 million worth of collateral. Hu Mingchen said confidently.

Hu Mingchen is now like a top master of playing, this ball is always in his hands throughout the court, and he firmly grasps the initiative of the field with both hands.

It can be seen from the whole conversation that Lin Mingzhen was led by Hu Mingchen from the beginning, and under Hu Mingchen's guidance, he could only follow step by step.

"Three hundred million, three hundred million, did I hear me right? Not thirty million?" Lin Mingzhen stared at a pair of eyes, his mouth surprised as if he could stuff an egg.

It's no wonder that Lin Mingzhen is so surprised, but in his understanding, the richest man in Liangcheng can't take out so many assets. The richest man in Langzhou, his personal assets are only more than one billion. Hu Mingchen: How could they take out 300 million yuan of assets as collateral? How could it be?

At the beginning, Phoenix Mountain sold more than 20 million yuan of land, Lin Mingzhen knew, but the assets had to change from more than 20 million to 300 million, and suddenly increased more than ten times, and in such a short period of time, he Lin Mingzhen sounded like a fantasy.

He still knows about Lin Mingzhen in Liangcheng, and he still knows how many assets and investments a person or company has with a head and a face. I have never heard that Xingsheng Company has a large investment in Liangcheng and makes so much money.

Even before, Lin Mingzhen thought that Hu Mingchen's more than 20 million yuan had not been spent, and there were still 10 million of them who had survived. Because as far as asset appraisal is concerned, the three projects in Liangcheng, including the Minzu Street in Duge Township, add up to more than 10 million.

But now Hu Mingchen suddenly gave him a 300 million, and it is strange that Lin Mingzhen can be calm.

"You heard it right, and I said it right, it's 300 million. I know that our company has only taken out one loan from your bank, which is negligible in terms of creditworthiness, and as for the return on investment, that is, development and profit assessment, I think having a mortgage of 300 million is enough to tell the story. 300 million yuan of asset collateral, one-third of the loan collateral, in line with the conventional, right?" Hu Mingchen said slowly with strong confidence.

"If there is really 300 million assets as collateral, of course, it will be in line with the convention, and other aspects are not a problem. But where are your 300 million assets? Seriously, this is much more than I expected. Lin Ming shook his mood and said.

If Hu Mingchen really has 300 million assets, then they are the best customers in Liangcheng, and there is no one. Those large state-owned enterprises are big, but they can't get back a lot of money, and they can't talk about high quality.

Hu Mingchen and they are completely different, if they don't pay by then, the bank can apply to the court to do an auction of assets to pay off debts.

"Uncle Lin, this is not a physical asset, so of course you can't see it. ”

"Is it an intangible asset?" Lin Mingzhen asked rhetorically.

"It's equity, I don't know if Uncle Lin has heard of Penguin Technology?" Hu Mingchen said.

"I've heard that it is a new technology network company that has developed not long ago, and it has developed rapidly, not to mention that many people in our bank have used this company's penguin number to chat and communicate, even my children, I also use it, and every day when I come home from school, I have to chat with some messy people on the computer for a long time before doing homework. What, you have something to do with this company?" Lin Mingzhen is not too lonely and unheard.

"Of course, we are the largest shareholder of this company, and the number of customers of the company has exceeded 100 million, and the number is still increasing by about 200,000 every day. According to the assessment of authoritative institutions, this company is currently worth at least 2 billion yuan, and perhaps more now, anyway, if we use 15 percent of the company's equity as collateral, how about it? Next year, this company should be listed overseas, and its assets will at least increase dozens of times. I think if I were your president, I would be sorry for such a deal, hehe. Hu Mingchen thought that confidence was so strong, and the last chuckle revealed his self-confidence.

"I can't imagine it...... It's hard to believe ......"