After Duan Yun parked the car in front of the Industrial and Commercial Bank of China, he pushed the door and got out of the car.

At this time, there was basically no one to be seen at the door of the Industrial and Commercial Bank of China, probably because the newly opened bank did not have much accumulation of depositors, so it seemed very deserted.

Duan Yun was dressed in a suit and leather shoes, and as soon as he entered the bank gate, he attracted the attention of all the employees inside, and a very capable young man with a partial head immediately smiled.

"This comrade, are you handling deposits and savings?" the man asked Duan Yun enthusiastically.

"I'm here to apply for a loan, are you the ...... here," Duan Yun looked at the man and asked.

"Ah, I'm the duty manager here, my name is He Qiang!" the young man introduced himself.

"You're the manager, hello, hello, my name is Duan Yun. When Duan Yun heard this, he immediately stepped forward and shook his hand.

"You're going to get a loan, let's come in and talk. He Qiang said with a smile.

Clothes make the man.

Seeing Duan Yun in a suit and leather shoes, this kind of dressed person is very rare in Daxing, especially in an energy city like Daxing, where there are many outbreaks in the mine, He Qiang has learned before that there are many people who have borrowed money from the bank to open private mines, and such characters are not ordinary people in the local area, so He Qiang naturally pays more attention to him.

After entering the reception room and sitting down face to face, He Qiang immediately handed Duan Yun a cigarette, and then said with a smile: "What kind of business does Boss Duan do?"

"Eh, how do you know I'm in business?" Duan Yun asked with some surprise.

"As far as the clothes on your body are concerned, the materials and workmanship are very good, ordinary workers can't afford them, and Mr. Duan, the plum blossom watch you are wearing should be the latest model......" He Qiang raised his eyebrows and said.

"Hahaha, I now know why you became a manager at such a young age. Duan Yun smiled when he heard this, and then said: "Actually, I am the manager of our Daxing Tianyin Electronics Factory, and I came to your bank this time to borrow a loan......

"Are you the manager of Tianyin Electronics Factory?" He Qiang asked after a pause.

"yes. ”

"No, if I'm not mistaken, the legal representative of Tianyin Electronics Factory should be Gao Xiuzhi, how can you be the manager?" He Qiang asked with a slight frown.

"You actually know that the legal representative of our electronics factory is Gao Xiuzhi?" Duan Yun was a little surprised when he heard this, he didn't expect He Qiang to actually know the details of their factory, and he also knew that the legal representative of the electronics factory was his mother Gao Xiuzhi.

"All the industrial and mining enterprises here in Daxing, we have a detailed roster here, basically I can remember all eight, nine and ten, and Tianjin Electronics Factory is the only private enterprise in Daxing, so I am particularly impressed. He Qiang said.

"I see. Duan Yun was suddenly stunned when he heard this.

Obviously, the Industrial and Commercial Bank of China has also conducted a survey here before establishing a branch in Daxing, in addition to the storage business of ordinary citizens, the loan is mainly for some local enterprises, so if you want to carry out lending business in Daxing, you must have an understanding of the local enterprises in Daxing.

And this He Qiang can actually write down the basic situation of all the local enterprises in Daxing, and his memory is indeed extraordinary, no wonder he can serve as the branch president here at such a young age.

"So ...... you?"

"Gao Xiuzhi is my mother, and before opening this private electronics factory, I was the manager of the Red Star Labor Service Company, which conflicted with my official position, so I had to use my mother's name to register this electronics factory. Duan Yun explained.

"It turns out that you are the manager of the Red Star Labor Service Company, disrespectful and disrespectful!" Hearing this, the smile on He Qiang's face became a little thicker, and he said to Duan Yun: "Red Star Labor Service Company is the number one export-earning enterprise in our province, and the Longteng gearboxes produced are exported to Southeast Asian countries, which is a very remarkable thing, I felt that your name was a little familiar just now, and I didn't remember it for a while......"

"Hehe, but now I have resigned from the Red Star Labor Service Company, concentrating on operating an electronics factory, at present, our factory has advertised on CCTV, and has recently harvested a lot of orders, but there is a lack of capital turnover at hand, so I want to borrow a loan from your bank. Duan Yun said to He Qiang with a smile.

"Manager Duan is really capable, I also watched the TV commercials of your Tianyin Electronics Factory, and the shooting was very good, my 5-year-old son jumped and jumped when he saw the advertisements of your factory, and the shooting was indeed very fashionable. He Qiang smiled and continued, "But I don't know how much money Manager Duan wants to borrow from our bank?"

"10 million!" Duan Yun stretched out a finger.

"10 million!?" He Qiang was stunned when he heard this.

"That's right, the current funding gap of our factory is 10 million, although the amount is a bit large, but I promise that I can repay the loan on time with interest, and I will never be in arrears!" Duan Yun Zhengse said.

"Manager Duan, this 10 million amount is too big, I know you are an excellent entrepreneur, but our bank loan also has to go through some procedures, including the credit assessment of your factory's fixed assets, and it needs to be mortgaged, can your factory really be worth so much money?" He Qiang asked with a slight frown.

"Manager He, let me tell you the truth, our factory is a leased labor service company, and it cost me nearly 200,000 yuan to purchase machinery and equipment before, and there are more than 100 skilled workers, which is all the assets of our factory...... Duan Yun said with a deep sigh.

Duan Yun didn't intend to hide anything from He Qiang, because if he followed the procedure, the bank would definitely account for its assets, so Duan Yun planned to tell He Qiang the truth, at least to leave a more honest impression on the other party.

"This ...... Manager Duan, I can fully understand your feelings about the urgent need for a loan, but if you take the current situation of your factory, it is really impossible for me to give you a loan of so much money......" He Qiang said helplessly.

He Qiang originally planned to borrow tens to 1 million yuan from Duan Yun, but he didn't expect Duan Yun to ask for 10 million when he opened his mouth, and their factory didn't have so many fixed assets that could be used as collateral, so He Qiang was also a little helpless.

"Manager He, although our factory has few fixed assets, but I have more than 30,000 speakers on hand, if this batch of orders can be fully delivered, our factory can at least return about 20 million, this is a sure thing, as far as I know, the interest on your bank loan to the enterprise is 3~5% every year, and I am willing to pay 8~10% In addition, I can also open our corporate account to your bank, and we can establish a long-term cooperative relationship......"