"Mr. Hu, Xiao Chen, since now is a good time to invest, have you ever thought about borrowing some money from the bank to invest?" Lin Mingzhen didn't hesitate, and asked directly.

Lin Mingzhen asked, Hu Mingchen and Hu Jianqiang glanced at each other knowingly.

"Director Lin, I'm afraid it's not easy to get a loan from your bank. Hu Jianqiang couldn't help laughing, looked at Lin Mingzhen with wide eyes and asked.

Actually, Lin Mingzhen and Hu Mingchen chatted to that extent, and the heat was almost there, and when it came to the specific Hu Mingchen and their loans, it was natural and logical, and it didn't seem abrupt. Even if Lin Mingzhen didn't mention it, Hu Mingchen was almost about to mention it.

"Uncle Lin, didn't you hear that the card loan card is quite strict now?" Hu Mingchen asked.

"This is also something that can't be helped, and now the bad debts of major banks have reached a high level, and the amount has accumulated to an astonishing amount. The state wants to carry out some reform and adjustment of the financial market, and at this juncture, capital needs to be wide in and strict in and out. This card is very strict, but this is not mine, everything has a degree, and things are man-made. Lin Mingzhen became proud as he spoke.

Lin Mingzhen: This is what I want to be and I want to set up an archway. He emphasized so much that he wanted Hu Mingchen and them to remember his feelings, and it was even very likely that he would make some arrangements for kickbacks. Obviously, he is looking for high-quality customers to take out loans to increase profits, but now it has become him who takes the initiative to help Hu Mingchen and them, these people really want to.

For this reason, Lin Mingzhen did not mention one point in his previous remarks, he only said that the state should reform and adjust the financial market, but did not say that the state also encourages all financial institutions to actively expand customer resources, especially for high-quality private enterprises, to vigorously provide help. Lin Mingzhen deliberately concealed this.

Of course, such encouragement has always existed, but in the process of specific implementation, private enterprises, especially private small and medium-sized enterprises, still have the embarrassing phenomenon of difficulty in obtaining funds.

Aside from economic efficiency, this has a lot to do with the long-standing rigid thinking of the financial system; for decades, banks have mainly served the state-owned economy, and the proportion of economic efficiency has often been ignored when evaluating and promoting, so that private enterprises mainly rely on private loans for obtaining funds.

Of course, although this round of reform and adjustment will not completely reverse the ecology of the banking system, there has been a certain degree of improvement in the access to loans of medium- and large-sized private enterprises, especially in coastal areas.

Liangcheng is an inland resource-based city, the private economy has always been backward, the proportion is not high, and there is a lack of backbone private enterprises, otherwise, Hu Mingchen and his company would not have won Lin Mingzhen's eyes.

"Hehe, then thank you Uncle Lin in advance. With your help, our company believes that it will get better and better in the future. When it comes to loans, we can actually borrow or not, and it is a great good thing for enterprises to be able to borrow funds, but it will also bring pressure invisibly. On the one hand, the interest of commercial loans is not low, and on the other hand, the repayment period, if the term is too close and the funds cannot be withdrawn, there will be trouble, which is easy to cause the breakdown of enterprise funds. Hu Mingchen did not seem very elated, but braked the brakes and returned to the rational level to think about the problem.

What Hu Mingchen said is not an exaggeration at all, many enterprises are in this kind of expansion, and finally collapse because of the rupture of the capital chain.

State-owned enterprises can have all kinds of things to say to banks, and banks are not very likely to seize the assets of state-owned enterprises or even force them to fail. But for private enterprises, they are often more business-oriented.

Lin Mingzhen secretly admired Hu Mingchen's calm and rationality, unlike some people, when they heard that they could get the funds, they immediately got carried away and got carried away with joy, as if the money was given to him and didn't have to be returned.

"Short-term loans have the benefits of short-term loans, and long-term loans have the benefits of long-term loans. The interest rate of short-term loans is low, and the interest rate of long-term loans is high. Lin Mingzhen nodded.

Seeing that Hu Mingchen was so shrewd, not as wooden as Hu Jianqiang, Lin Mingzhen didn't intend to fool him, and he didn't feel sure that he could fool him.

"That's true, Uncle Lin, then I want to ask, if our Xingsheng Development Co., Ltd. proposes a loan to your bank, how much can it be borrowed?" asked Hu Mingchen.

"When we evaluate the amount of loans, we mainly consider three aspects, one is the credibility of the enterprise, one is the company's development profitability, and the other is the company's asset mortgage. This means that the better the creditworthiness, the more promising the development and profit prospects, and the more abundant the asset collateral, the greater the credit line and the more flexible the term. I don't know much about the financial situation of your company, but from my intuitive point of view, it shouldn't be a big problem to have three or five million. Lin Mingzhen answered questions seriously.

"Hehe, three or five million?Uncle Lin, this amount ...... Isn't it a bit too much?" Hu Mingchen smiled knowingly, and said with an unnatural expression.

"What's the matter, it's more than three or five million?" Lin Mingzhen said with a frown.

"Director Lin, it's not more, it's less, to be honest, three or five million really can't do much. Hu Jianqiang said from the side.

"Uncle Lin, I'm sorry to misunderstand you. It's exactly what my uncle said, three to five million, it's really very little. Although we have borrowed more than 300,000 yuan from your bank before, time has passed. What can you do with three or five million? Just open two supermarkets, and they can't be too big and the decoration can't be too good. Hu Mingchen said further apologetically.

"Then how much do you want to borrow?" Lin Mingzhen asked solemnly.

"The more the merrier, the more the merrier, in my opinion, how to get 100 million or 40 or 50 million, in that case, it is a little interesting. Hu Mingchen said unashamedly.

"One hundred million, or forty or fifty million, did I hear me right?" Lin Ming was shocked.

Not to mention that Lin Ming was shocked, even Hu Jianqiang was taken aback. What they said before was a thousand, how could they be multiplied by Hu Mingchen many times on the spot. Moreover, with so much money, even if it is loaned, the company has not spent this money, which means that the company has no investment plan in this area.

So much money is not child's play, it is absolutely impossible to take out a loan to play, the annual interest is several million, there must be an investment way, and it must be earned back.

"Uncle Lin, of course you heard it right, I do think so. Do you think this is too much?" Hu Mingchen replied solemnly, without the slightest intention of joking.

"Many, of course many, not to mention 100 million, it's 50 million, in our Liangcheng, no private enterprise has ever loaned. Let me tell you this again, the amount you mentioned is only available to large state-owned enterprises, such as steel companies, and this amount must be signed and approved by the president. In my impression, our bank did not have a large amount except for the loan of 30 million yuan to a developer. The relationship between the head of the bank is still walking, hehe, Xiao Chen, what you said is unrealistic. Lin Mingzhen patted the table lightly and said.

"I don't really understand your operating procedures, but I don't think it's unrealistic. Anyway, that's what I said, it's up to you to lend us or not. It's just that if it's three or five million, it's better not to take out a loan, it really won't work. Hu Mingchen said calmly, not angry at all because he was shot.

"What kind of project are you going to do? How can you use so much money?"

"We don't have land in the community at present, and it's hard to say what specific projects to invest in, anyway, the tourism project on the side of the mountaintop lake is to be further invested, and the layout of the supermarket is also to be further expanded. Hu Mingchen said ambiguously.

Lin Mingzhen also knows that although they will consider and evaluate the use of the borrower's funds when taking out loans, so as to assess the possibility of recovering the loan. However, in the vast majority of loan transactions, this is a passing scene, and the company will not disclose the details of the trade secrets.

It's just that Lin Mingzhen feels that Hu Mingchen is a little too perfunctory, and he really thinks of himself as if he wants to get so much loan amount in just a few words.

"Director Lin, is it possible for our company to borrow 10 million?" Hu Jianqiang couldn't help but ask.

"It's hard to say, it depends on your asset pledge. Like the supermarket you mentioned, the development project on the side of the mountaintop lake, which is used as an asset mortgage, is a bit difficult to evaluate. The ethnic street in Duge Township is a real collateral, and the three or five million I mentioned is considered from this aspect. Besides, in the past, you only took out a loan from our bank once, and the amount was only 300,000, but now it has soared to tens of millions, and this span is ...... Too big, too big. Lin Mingzhen said.

"Uncle Lin, let's not talk about collateral for the time being, I think it's too low for you to lend to private enterprises, and you have to make a breakthrough in this point. Moreover, if you want to do a good job, you can't stick to the rules. Isn't your bank in the process of reforming the shareholding system so that it can be listed and traded? Your bank's bad debts have to be dealt with, but your bank's profitability is still not strong enough. This reform and adjustment will really push you to the market to a great extent, but now the market is in demand, but you are stuck, how can such achievements be brilliant, and even if you are listed, how can the stock price be good? I learned in the newspaper that your bank has been preparing for listing from top to bottom, and it is very necessary to make some noise in action at this point in time. Hu Mingchen said intently.