Chapter 177: It's hard to get money from the bank

"It doesn't matter if I look down on you or not. Fang Yu smiled, his big round eyes full of confusion.

"I don't understand it, go back and think slowly, in this life, there are too many things you want, what can be obtained, and if you think about this, you won't live in a daze. Fang Yu didn't look at her again, staring at the campus gate in front of him.

Yuan Yuan opened the car door, didn't hurry to go, came to the window on Fang Yu's side and looked down: "I will get ahead." ”

Fang Yu smiled again, snorted Yuanyuan, turned around and left. When Fang Yu turned around, Yuan Yuan looked back at him, his eyes were already red, and he looked at the car in the distance, and muttered, "Thank you!"

Fang Yu is not a good person, helping Yuanyuan is just a little easier, and the original intention of sponsoring the TV series is to advertise. Yiren clothing is the root of Fang Zhen, at first he just wanted to find something to do Fang Zhen, but found that things had developed in a direction that was not under his control, if he didn't do it, the two thousand female workers in the factory would be able to turn him.

Being the boss of so many people, a sales problem in a month can make Fang Yu restless, and half a year can make him bankrupt. It's not that easy to be a boss, the only thing to be thankful for is that it's a good time. Productivity has not yet reached its peak, and there is no talk of great abundance of materials. After people are fed and clothed, the pursuit of beauty has just begun.

This line of Fang Zhen is going to do it for a lifetime, and it will take ten years at most to transform, and at most one enemy of Yiren clothing will be customized. In the future, in this country, the profits of making garment factories will be miserable. Wait until that time to transform, and the daylilies will be cold.

Qin Lili finally sat opposite Fang Yu again: "Mr. Fang has already borrowed five million from CCB, why do you need a loan?"

Fang Yu sighed faintly: "Ms. Qin, I am actually not a diligent person, I also want to sleep until I wake up naturally every day, count the money until my hands cramp." But no, women are afraid of marrying the wrong man, and men are afraid of entering the wrong industry. I am the representative of the wrong industry, and now it is too late to change, and the 2,000 female workers in the workshop are waiting to be fed, so I have to do it hard. ”

"Can Mr. Fang explain what he said?" Qin Lili felt that what he said was funny, and couldn't help but want to laugh.

"The foreign businessman proposed to pressure the goods, and I didn't have that much cash, so I had to take out a loan. If I don't take this job, the workshop will have to stop. If I want to fire a female worker, more than 10,000 people in the No. 6 Cotton Spinning Factory will drown me with saliva. Fang sighed, not at all like a high-spirited young boss, and it seemed that the person sitting opposite was not from the bank.

"Yuanda has 150,000 US dollars in our bank's account, which is ...... at the current exchange rate. Qin Lili's businesslike tone was halfway through, and Fang Yu raised her hand to interrupt her: "Please forgive me for being rude, can you not mention the official exchange rate?"

Qin Lili didn't hold back this time, and laughed with a snort: "Okay, don't mention the exchange rate." Qin Lili knew very well in her heart that now the comparison of foreign exchange in private, one dollar for ten yuan is the least.

"One million, what does Mr. Fang think of this number?" Qin Lili asked with a smile, Fang Yu smiled and looked at the door. Qin Lili turned around, and her face turned pale when she found that there was no one, and she smiled reluctantly when she turned around: "Too little?"

Fang Yu smiled: "No, I won't embarrass Ms. Qin." Qin Lili's heart tightened when she heard this, and she secretly roared in her heart: Is this bastard going to change a bank for a loan? Don't you know about such a thing as bargaining? Will the people in the bank still ask you for a loan? Recently, the bank has started to tighten, do you know it, bastard.

"That's one million, two points of interest, not too much?" Qin Lili said as she continued, the smile on her face unchanged.

"Ms. Qin, wait a minute. At this time, the phone rang, Fang Yu picked up the phone to answer, hung up the phone after two sounds, and smiled even more when he looked at Qin Lili: "I came here today, I have other things to deal with." ”

No matter how reluctant Qin Lili was, she had no choice but to get up and say goodbye. When Qin Lili went downstairs, she saw a car parked at the door, and she knew the person who got out of the car, a person in charge of ICBC. Qin Lili's feet seemed to have taken root, and she couldn't move her legs. turned around and quickly went upstairs to find Fang Lihua.

"Sister Fang, can you talk?" Qin Lili smiled hard, Fang Lihua rolled her eyes: "What are you talking about?"

"I saw someone from ICBC coming just now, what's the situation?" Qin Lili lowered her voice, and Fang Lihua smiled: "No situation, I'm here to collect savings." It's just an ICBC near the store.,It's the end of the year.。 ”

Kill Qin Lili and don't believe what Fang Lihua said, the salesman who collects the savings is qualified to distribute the car? Is it worth a visit from the director of the credit department in person? Sister, can you not tell such a childish lie.

Qin Lili regretted it, she had planned to take Fang Yu's sting. After all, as a bank, I am used to being strong.

"Sister Fang, let's have dinner together at night?" Qin Lili sent out an invitation, Fang Lihua put down the work in her hand, looked at her calmly, and when Qin Lili felt a hair on her spine, she spoke: "You, you are a very stable person, how can you be clever?"

Qin Lili smiled awkwardly, and Fang Lihua said in a low voice: "Do you know what the turnover of the store is in two months? Not counting the Imperial Capital branch, the average daily turnover of the Songjiang branch is 130,000. The Gusu branch and Jianye branch are being renovated, and the Gusu branch will open next month, and the Jianye branch will open in December. ICBC is here for this. ”

"Sister Fang, I'm just kidding. Qin Lili explained in a low voice, Fang Lihua smiled: "Are you beautiful? Your set is useful to other men, and the other party always has a counterproductive effect." Mr. Fang is younger than you to break into such a big business, do you think he is a simple person? Seeing a beautiful woman's bones, he is lighter? Now there are 2,000 female workers working for Yuanda Company, and the two large warehouses can't be stacked, and they have to change the new factory. Do you know how much pressure it is, and you still have the heart to joke?"

Qin Lili bowed her head and was silent, and Fang Lihua gave up: "Wait, let's go over together at noon." ”

Qin Lili immediately smiled, in fact, she didn't care about whether she took out a loan or not, what she cared about was that Fang Yu would change the foreign exchange account. Today's so-called joke was originally intended to make Fang Yu put all his foreign exchange current accounts in the Bank of China, which was a mistake!

The bank is not a good person, and the director of ICBC who came to visit him is also surnamed Fang, a fat man, and he laughs like a cook.

Under normal circumstances, there are only two things for people from the bank to come to the door, one is to collect savings, and the other is to collect money.

When you collect savings, you are smiling, and when you are dunning, it is black and white.

The chubby Director Fang came to collect savings, and the money in the ICBC account has been transferred away relatively quickly recently, which makes Director Fang a little headache. Every year, there is a task for the reserve, and this year's task has not been completed. Don't think that the credit department doesn't have the task of collecting savings.

"If you take the liberty of visiting, you don't want to be surprised. The fat director smiled and took the initiative to stretch out his hand, Fang Yu was not cold, kept a polite handshake and said, "I am a business, and when I see the people in the bank, I am naturally short, and Director Fang's visit is unsettling." I didn't do anything wrong to hurt ICBC's interests?"

Director Fang's smile was a little distorted when he said this, and he could only think that he was joking. Who knew that the anger against Qin Lili just now had not yet dissipated, and this would be sent out. Fang Yu didn't have a good impression of the people in the bank, and never took the initiative to meet the people in the bank.

"It's the end of October, and the end of the year is approaching, so I'm a little busy and want to ask Mr. Fang for help. The fat director had no choice but to explain his intentions.

Fang Yu showed a suspicious expression: "Director Fang, I heard it right?" The fat director smiled even more: "I heard it right!"

Then the fat director explained his intentions, hoping that the money on the account of Yuanda Company in ICBC would not be touched before the end of the month.

Fang Yu smiled bitterly when he heard this: "Director Fang, you are embarrassing me, I am now poor and have to take out a loan." Just before you left, Ms. Qin from the Bank of China left. They didn't let me transfer the foreign exchange from my account, so they were willing to lend me money. ”

"Mr. Fang wants a loan, why don't you look for our ICBC?" The fat master suddenly came to his senses, and Fang Yu shook his head when he saw this: "The bank's money is not so easy to take, the loan has to be repaid, and interest has to be paid." I can do business without taking out a loan without taking out a loan. ”

The fat director immediately said: "Yuanda Company's turnover in ICBC is more than 10 million, and I dare not say that there is no need to mortgage one or two million." Interest is also normal interest, and you can do it whenever you want. ”

"I remember Director Fang's kindness, and I will trouble you if you need it. Fang Yu still didn't let go.

The fat director smiled: "Mr. Fang, what I said is ,......。 Fang Yu thought for a while and said, "Okay, I'll try my best." ”

I don't understand the bank's affairs, but since people have come to this matter, it's not good if they don't agree to help.

The fat director's purpose was achieved, and he didn't stay long, so he got up and said goodbye. After Fang Yu was sent downstairs, he thought about it and felt that something was wrong. I walked to the finance side and asked Fang Lishu: "How much money is still on the ICBC account?"

Fang Lishu replied: "More than eight million, what, does Fang always need money?" Fang Yu shook his head: "Where did you get so much money?"

Fang Lishu said: "In October, the money from Songjiang and Imperial Capital stores was deposited in ICBC. The million hasn't had time to be transferred yet. Isn't this that the salary has not been paid yet, and the money from the Jinxin factory has not been paid, and it is said that the payment will be made tomorrow. ”

Fang Yu looked at the calendar, and suddenly had a headache, it was the twentieth, and it was too simple to promise Director Fang just now.

"What about the CCB account?" Fang Zhen scratched his head, and Fang Lishu immediately replied: "There are still more than six million in the CCB account, and this is not counting the foreign exchange money." Now is the time when funds are concentrated, and there are many places to spend money at the end of the month. Jin Xin, district construction, salary, tax payment, and the salary of the management will be paid at the beginning of next month. ”

Fang Yu calculated the accounts, in fact, he didn't have much money, and he had spent too much money recently. CCB has a loan of $5 million in its account. You have to hurry up and get the branch open, and it's good to have an additional cash flow channel.

"Well, I know, before the end of the month, the ICBC account should not be moved, only in and out. Fang Yu said a word and turned around to leave. Fang Lishu was anxious: "What do you say about the money you promised Jin Xin?"