"Mr. Hu, I'm afraid I can't meet your two requests. Min Cowen looked at Hu Mingchen, and then at Hu Jianqiang.

"Governor Min, how do you say this?" Hu Mingchen asked with a calm face.

"It's simple, you have to choose one or the other. Min Wen tapped on the armrest of the couch.

"If you want to borrow 100 million yuan, the loan term can only be short, and if you want to make a long-term short loan, the loan amount must be small?

"Mr. Hu, that's what it means. This is what I got from the provincial bank, because now I am controlling the funds. Min Wen nodded.

"I see, this way, the financial statements look better. Governor Min, I'm afraid...... What you really care about is the repayment period, not the loan amount, right?" Hu Mingchen rubbed his hands on the armrests of the sofa.

Anyone who invests knows that the longer the period for the return of funds, the worse the performance and the higher the risk. It is best to be able to return the principal and interest in the short term. In this way, the revenue will be higher, and the report will naturally look good.

"Hehe, I really doubt it, are you really still in middle school? Why do I think you have graduated from a university in business administration or economics?" Min Coin shook his head and asked with a wry smile.

"I also want to graduate from college, but unfortunately I still have a few years to go to college. President Min, I want to know, how long is the maximum repayment period you can give?" Hu Mingchen said openly and fairly.

"One year, this year, we need to get it back next year, and for this reason, we can reduce the interest rate by 0.25 percent. "Min Coin doesn't play false, and puts the hole cards and the disc out.

"President Min, thank you, Uncle Lin, and thank you, if the loan is only for one year, it will not mean much to us, but the risk will increase sharply. It seems that we can't borrow this money. Hearing that he could only take out a loan for one year, Hu Mingchen's heart suddenly cooled down for a while.

A year, it really doesn't mean anything to Hu Mingchen, and the money invested has not produced any output, so he has to pay it back.

On the contrary, in order to raise money to repay the bank, Hu Mingchen had to deal with some great twists and turns. Don't get rid of Penguin Technology's shares at that time, that's the most unlucky and saddest.

In a word, if it was really only one year, Hu Mingchen would rather not lend this money. Anyway, even if there are no loans now, they will not starve to death, at most they will develop slowly.

Although high risk means high profits and high market share, if the risk is high to a certain extent, Hu Mingchen can't accept it and won't touch it.

"Xiao Chen, you don't want to borrow money?" Lin Mingzhen asked nervously.

This single was pulled by him, and it was so yellow, Lin Mingzhen was a little unwilling, not to mention that this loan also greatly deepened his relationship with President Min.

"Thank you, we just don't borrow from your bank. I don't know if other banks are the same as you, but we will try to look at other banking channels, I told you last time, no, we can also go to Pengcheng**, which is efficient, and the money can come down after review. Hu Mingchen said.

Hu Mingchen's words, Min Wen's face sank as soon as he heard this.

If Hu Mingchen just suspended the loan, it would be nothing. But if Hu Mingchen started from another bank and got a loan, it would be a blow and pressure to Min Wen.

Peers are enemies, this sentence does not only exist between ordinary small transactions, but also exists between banks to a certain extent.

Moreover, in the financial system, if you hold a certain position, there will be lateral transfers, and he does not want the presidents of several other banks to become his leaders one day.

"Xiao Chen, then we ...... Let's go back, don't bother President Min and Director Lin, two days ago, the vice president of the bank under the viaduct contacted me, wait a day or two, let's go and touch him. Hu Jianqiang clapped his hands very cooperatively, stood up and said.

has cooperated with Hu Mingchen many times, and Hu Jianqiang can find the point where he has a tacit understanding with him.

Hu Mingchen and they are putting pressure on them to the limit, if Min Wen is willing to take out a loan, then she will find a way to solve the problem. If she doesn't want to, then forget it.

From the very beginning, Hu Mingchen had imagined a way out, and he didn't think that Lin Mingzhen would definitely help 100% to do this.

"Mr. Hu, sit down, please sit, aren't we still in communication, if you have any questions, you can raise them, and we will discuss them together." Min Coco reached out to keep Hu Jianqiang and said.

"Governor Min, everything else is negotiable, but you're really stuck at this time. You just said that you would help the development of the enterprise and help the enterprise grow, but within the one-year period, I am afraid it will be easier to strangle the enterprise. Hu Mingchen said.

Hu Mingchen had never run a business before, but he still knew a little about the danger of breaking the capital chain. Some enterprises are because of the rupture of the capital chain, which brings a chain reaction and makes a large-scale enterprise fall in a short time.

"Hehe, how can it be, we also have our difficulties, the key is this timing, if it is not now, it is a year later, then five years will be fine. Min Coin smiled awkwardly.

"But the problem is, a year later, our needs are different. At present, the annual growth rate of our country's economy is more than 10 percent, and the annual growth rate of our Liangcheng can also reach 9.5 percent, and the changes may be great every year. Hu Mingchen said

"So now everyone is chasing short, flat and fast, and we can't help it. However, 100 million a year, in fact, you can do a lot of things, you say yes, as long as the investment is accurate, 10% of the profit, you can also have 10 million. Lin Mingchen said from the side.

"Uncle Lin, what you said is good, but unless it is a stock speculation, how to realize it, how to realize it in the short term? Don't make 10 million yuan, and lose 30 million yuan in turn. For example, when a factory is opened, 100 million becomes a factory, equipment, and raw materials. Can you earn 100 million cash back in a year? Obviously, it is a fantasy, then the only way to do this is to sell the plant, sell the equipment, and sell the raw materials. That's not to blame. Hu Mingchen refuted Lin Mingzhen in a few words.

"Xiao Chen, let's go. Hu Jianqiang urged.

"President Min, no matter whether our cooperation is successful or not, we still want to thank you for giving our company such an opportunity. We will not forget your kindness in helping today, and I hope that there will be opportunities for cooperation in the future. Hu Mingchen stood up and said to Min Cohen very politely and gracefully.

Hu Mingchen can't be dissatisfied with others because he didn't talk about his achievements, let alone get angry. One more friend and many roads, no one knows what will happen in the future.

A female line like Min Cohen is still very powerful, maintaining a basic friendly relationship, and if she can't figure it out, she will be able to use others one day. At the very least, you can't make people uncomfortable, otherwise, the city will not be able to lose more than anything, and the next stumbling will not be good.

"Then I would like to ask, what is your minimum term. Let me state first that five years is impossible, I can't do it. Min Wen stood up and asked intently.

When Min Wen asked like this, Hu Jianqiang could only look at Hu Mingchen.

Hu Mingchen didn't answer immediately, but made some calculations in his mind.

If Min Cohen can ask like this, then there is still the possibility of relaxation, at least there is no death.

The five-year deadline had already been denied by her, and judging from the one-year deadline they had drawn up at the beginning, it really wouldn't be too long.

Hu Mingchen now has to give someone else a time that can be discussed and that is likely to be acceptable. Otherwise, it's better not to say it, there is no need to waste expressions on each other.

After combing through all the investment intentions in his mind, Hu Mingchen spoke: "Two years, President Min, it can't be less than two years, and we really can't get back the funds if it's low." If it works, then this condition, if not, we will not embarrass you. ”

Hu Mingchen stretched out two fingers and said firmly, word by word.

Two years is Hu Mingchen's minimum period, and if it is less than that, there is no need to talk about it.

"That'...... You give me a few more days, I will go to the province for a meeting this time, and I will report to the leaders and talk about it. I can decide the amount, but for the term of the loan, I need to be approved. Special period, special operation, I hope you can understand. When I come back from Zhennan, whether it works or not, I will ask Director Lin to give you a reply. Min Wen hesitated.

"There is no problem, then thank you Governor Min, we are willing to wait for a few days, I am firm, Governor Min will bring us good news when he comes back from Zhennan. Min Coco was willing to work hard to help, and Hu Mingchen naturally had nothing else to say.

When things came to this point, it was almost over, and after chatting a few words, Min Wen asked Lin Mingzhen to send Hu Mingchen and them downstairs. Min Wen wanted to sort out the documents and materials, and then went to Zhennan in a while.

"Uncle Lin, thank you, you have bothered a lot about this matter. Walking on the stairs downstairs, Hu Mingchen said to Lin Mingzhen.

"Thank you, the matter hasn't been done yet, and when it's done, you can treat me to a meal again." Lin Mingzhen waved his hand.

"There is no problem at all, even if it can't be done, Lin is willing to appreciate his face, and we are also happy to get together with you. Director Lin, do you think President Min will go to Zhennan this time, can he succeed, and can he get the approval of the leadership?" Hu Jianqiang said.

"It's hard to say, we have just joined the WTO, and the banking industry is also making adjustments. You must see that our bank is big, and it is still far from the big ones in the world. However, Governor Min was provincial, so maybe she has a way. Lin Mingzhen said.

The size of our current economy is less than half that of Japan, and it is just over $1 trillion a year, which means that the scale of our banks is relatively small, and the balance of deposits and loans in various provinces and cities is relatively low. If more than ten years later, a loan of 100 million yuan, let alone a provincial bank, is estimated to be a basic decision by the credit officer of a branch.