At present, our company's development is getting faster and faster, and more and more funds need to be invested, and now our domestic home appliance industry is very hot, and our speaker products have a very high market share of similar products in China, and they are also well-known brand-name products in the country, so I am ready to expand several production lines this year......" Duan Yun explained to He Qiang.

"Manager Duan, is it too much for you to borrow another 25 million yuan?" He Qiang frowned slightly, and then said: "If you are willing to borrow a little less, I can give you some preferential treatment here......

"Not a penny less than 25 million. Duan Yun shook his head and continued: " Manager He,Let me tell you so,The opportunity in the business field is fleeting,This year can be said to be the fastest growing year in the domestic home appliance market,Various home appliance production lines have been introduced all over the country,Many old home appliance companies are also constantly expanding the scale of product technology and equipment upgrading,The consumption of the domestic home appliance market has always been in short supply,Including in our Daxing here,Many people buy home appliances,Need to find a relationship to approve the strip,This year, our speaker products have also sold more than 200,000 sets,Until now there is a steady stream of orders,As long as this loan is in place,I dare to guarantee that it will not take more than a year, I can pay back the money with interest......"

"Refrigerators, washing machines, tape recorders, these things are really in demand, but as far as I know, audio products are not a must-have for ordinary families, right?" He Qiang said with his hand on his glasses.

He Qiang is still very shrewd, he can be the manager of the branch in his early 30s, which is enough to prove his ability and brains, he can't just rely on Duan Yun's few words of fanciful boasting, and if Duan Yun's business fails, this loan becomes a dead debt and bad debts, the responsibility will still be borne by him.

Duan Yun has been secretly changing the concept just now,Domestic household appliances such as TVs,Refrigerators,Washing machines and other products are indeed in short supply,But this does not include audio,Speaker products are still a luxury in the current country,Although there are more and more domestic audio enthusiasts in the past two years,Many provinces and cities already have audio enthusiast associations,But his degree of rigidity still can't be compared with TVs, electromechanical refrigerators,Washing machines,Compared with the three major pieces,He Qiang still has a clear understanding of this。

"Manager He, strictly speaking, audio products are indeed not just needed products, but with the gradual improvement of national income and cultural level, the quality of life requirements are getting higher and higher, and the Tianyin subwoofer produced by our factory is the most well-known among similar products, and the sales volume is also the first in the country of similar products, and it is also exported overseas, until now, the sales heat is still unabated, and there are a large number of orders every month...... "Duan Yun said.

"I admit that the turnover of your electronics factory last year was indeed not low, but as far as I know, your company's revenue seems to have declined in recent months......" He Qiang said with a slight frown.

He Qiang has been focusing on the development of Duan Yun Electronics Factory for the past year, and he is clear about the financial situation of Duan Yun General Factory every month, so Duan Yun said that his speaker sales are still very optimistic, He Qiang obviously doesn't believe it.

In fact, if Duan Yun's loan amount was controlled at about 10 million yuan, He Qiang could still approve it, and the loan amount of 25 million yuan was too huge, and he had to be cautious.

"Manager He, the flow of funds in our bank does not represent our actual business situation...... Duan Yun said.

"Also, last year, I found that the flow of your funds was a little abnormal, such as a science and education instrument center in Shenzhen before the transfer of 4.8 million, and later successively transferred 400,000 yuan, a total of 5 million yuan, can you tell me the purpose of this money?" He Qiang asked Duan Yun again.

He Qiang has always suspected that Duan Yun is engaged in some gray business, including asset reselling and money laundering, although there is no clear legislation on this kind of economic crime in China, and the crackdown is not strong, but this is likely to become a dark mine, which will eventually lead to Duan Yun's asset transfer from the shell, and the bank's loan cannot be recovered.

"Hahaha. Hearing this, Duan Yun suddenly laughed.

"Manager Duan, I'm just asking routinely according to the work procedures, after all, the loan amount is too high......" Seeing Duan Yun suddenly laughing, He Qiang hurriedly explained.

"You should ask, if someone else asks me to borrow so much money, I must ask more than you. Duan Yun smiled, and then said: "Actually, that money is the money I used to buy a Japanese tape recorder production line through a company in Shenzhen, and this Japanese production line has been installed and will be put into production soon......"

"Japan's tape recorder production line?" Hearing this, He Qiang was taken aback.

Although there are many enterprises in all provinces and cities across the country that have introduced foreign production lines, and a trend has been formed, these enterprises that have introduced production lines are basically large state-owned enterprises, and they are coordinated and supported by the governments at the provincial and municipal levels, but Hejiang has never heard of a private enterprise introducing production lines from Japan, and it is also a very popular tape recorder production line, which makes He Qiang feel a little incredible.

"Regarding the introduction of Japanese production lines in our factory, you can call the Shenzhen Municipal Government for verification, and the Shenzhen Municipal Government has approved 60 acres of industrial land for us, which is a kind of support for our enterprise, but also a kind of trust, and we are also confident to give back to the society with more tax and employment opportunities. Duan Yun spread his hands and said.

"That's it......" Hearing this, He Qiang suddenly fell into thought, and after a while, he raised his head and said to Duan Yun: "Wait a minute, I still need to check with Shenzhen about the situation of your factory......"

Because the stakes are high, although He Qiang doesn't think Duan Yun is lying, he still needs to verify the situation with Shenzhen.

ICBC has set up branches all over the country, and there are branches in Shenzhen, and the relationship with the local government is also very close, so He Qiang only needs a phone call to enter Duanyun Enterprise.

"Then Manager He, please. Duan Yun heard that He Qiang could call first to inquire.

"Wait a minute. After He Qiang finished speaking, he got up and left the reception room.

"Husband, if you really can't do it, forget it, why do you have to take a loan from Daxing Industrial and Commercial Bank? Wasn't Shenzhen Bank willing to give us a loan before? We can't afford to pay it back!" Seeing He Qiang just walk out of the reception room, Cheng Qingyan said a little impatiently.

Cheng Qingyan's voice was neither loud nor small, just enough for the people at the door to hear, and He Qiang, who had already walked out of the door, suddenly hesitated and stopped after hearing Cheng Qingyan's words.

"Our electronics factory is set up in Daxing, if we don't borrow from a large bank, where can we get a loan?" Duan Yun subconsciously glanced at the stagnant figure at the door, and immediately said to his wife.

"Our current electronics factory and machinery factory are in Shenzhen, I don't think there is any need to set up our factory's account in the bank here in Daxing, besides, the last time I went to Shenzhen, wasn't the president of a bank willing to borrow 20 million yuan from our company?

If it weren't for the ICBC's willingness to lend us a loan of 10 million yuan last year, how would we have the money to open a branch factory in Shenzhen? If we withdraw our enterprise accounts from the ICBC, wouldn't that be tantamount to slapping Manager He in the face? Besides, Manager He is a good person, and our electronics factory is now very profitable, so he should have lent us money......

"You're just dead-eyed, and you have to hold on to a tree. Cheng Qingyan said with some complaints.

"Okay, okay, you don't care about this matter, anyway, no matter whether the loan is successful or not, the account of our factory must stay here in Daxing Industrial and Commercial Bank. When Duan Yun said this, he deliberately raised his voice a little.

At the same time, He Qiang, who was standing next to the door of the reception room, heard the conversation between Duan Yun and his wife clearly, and after thinking for a while, a smile appeared on his face again, and he turned around and returned to the reception room......