After a meal and drink, the relationship between the two sides has been greatly improved, and they are cordial and happy with each other, just like old friends who have known each other for many years, and the atmosphere is very harmonious.

After being full of wine and food, Lin Mingzhen looked at his watch, he meant to tell Hu Mingchen that there was something to say, the time was about the same, and they could talk.

But Hu Jianqiang glanced at Hu Mingchen, he wanted to see what Hu Mingchen meant.

However, Hu Mingchen was not in a hurry: "Uncle Lin, what's the matter, you still have work at night?"

"I don't have any work at night, but I'm still very tired after a busy day, I want to go home early to rest, and tomorrow I have to go to Panyun County below to verify a loan." Lin Mingzhen said.

Lin Mingchen mentioned going home to rest and mentioning the loan, which is already an obvious hint. In his mind, Hu Mingchen couldn't be ignorant, and they should really say something.

Lin Mingzhen didn't think that Hu Mingchen didn't want to take out a loan, to put it mildly, if they didn't want to take out a loan, why should they spend money to invite him to dinner, they usually don't really have a good relationship.

Nothing to be courteous, either a traitor or a thief. If you are courteous to others, you will ask for something. It's just that Lin Mingzhen forgot that he was the first to take the initiative to mention the meeting tonight. Speaking of which, Hu Mingchen and they can only be regarded as responding to the appointment and politely taking the initiative to pay.

"Uncle Lin, did you come by car? If not, wait a while, we'll send you back." "Hu Mingchen didn't accept the loan at all, but if you want to leave, then send you away.

In terms of dealing with human affairs, Hu Mingchen has achieved a smooth and smooth approach, which makes it difficult for people to find fault if they want to.

"I knew I was going to drink, so I took a taxi, and the unit's car was parked at the unit. I don't have to send it for a while, I just stop the car at the door and go back, anyway, it's not far from home. Lin Mingzhen said.

"That's still using you to take a taxi, we'll send you back in a while, the company bought a pickup truck to travel, don't worry, it's clean, hehe." Hu Mingchen said.

"Yes, Director Lin, when we leave, Xiao Chen and I will see you off. When he said this, Hu Jianqiang gave Hu Mingchen a look.

Hu Jianqiang meant that he would mention what should be mentioned, if Lin Mingzhen really left, then it would be difficult to talk to him about the loan next time.

However, Hu Mingchen just pretended not to see it, and still acted as if nothing happened, so he didn't plan to mention the loan.

"Hehe, that's okay, I really can't imagine that in a blink of an eye, the company is equipped with a car. In the past two years, your company's business development has been good, right?" After accepting, Lin Mingzhen asked with a concerned posture.

"It's okay, it's developing pretty fast. In Duge Township, we saw an ethnic street, which is currently the landmark and prosperous place in the township. In addition, we have opened several supermarkets, not only in the city, but also in Gaoshan County and the towns below. In addition, on Renchuan's side, the company has also invested in a tourism company to develop the Peak Lake and the surrounding area. Hu Jianqiang explained and reported.

As for Bloomberg Electronics Co., Ltd. and Penguin Technology in Pengcheng, he didn't say a word. This part, even if it is to be told, it is Hu Mingchen, who knows the situation over there better than him.

"I remember Xu Tiancai mentioned to me that you resold the land you bought on Phoenix Mountain, and you made more than 20 million yuan from changing hands, and all that money was laid down?" Lin Mingzhen said.

"yes, it's all down. Money must be invested in order to bring income, and if it is only stored in the bank, it is equivalent to depreciation, or in a few years, the price will eat it in half, which is not cost-effective. Hu Mingchen said.

"More than 20 million have gone on?"

"Hehe, Uncle Lin, do you think more than 20 million is a lot? Not to mention just more than 20 million, even more than 200 million, it is easy to vote. Hu Mingchen said lightly.

"Investing is about returns, but you can't just throw money at it without yielding. Lin Mingzhen commented.

"Well, what Uncle Lin said is reasonable, our investment, so far, the income has been relatively good. Let's take the ethnic street in Duge Township as an example, I invested more than 2 million at the beginning, and now I am afraid that there are more than 5 or 6 million. Hu Mingchen said casually.

"There is such a high income?" Lin Mingzhen was surprised.

"Hehe, Uncle Lin, that income is quite high? Now there are investment opportunities everywhere, just find a project, the income will not be worse than this, and some can even be many times higher. If you look at the rich people, some of them have doubled their assets in a year. Hu Mingchen said lightly, he still seems to be a little disdainful of such benefits.

It is also true, for example, Hu Mingchen's investment in Phoenix Mountain at the beginning, the income is dozens of times. Another example is his investment in Penguin Technology, which is even more smack-like, which has already increased dozens of times at present, and will skyrocket to hundreds or thousands of times in the future.

Therefore, the small project of the ethnic street in Duge Township is just pediatrics. The investment of Xingsheng Supermarket, from the perspective of assets, has also doubled.

"The money invested now is a lot of money, but there are also a lot of losses, and we are in the bank, and we have seen a lot of this. Lin Mingzhen nodded.

"Uncle Lin, with all due respect, although you are nominally a commercial bank, in fact you assume the function of a policy bank. You said that you lost a lot of the money you lent. You know this very well, how much of this money is really wanted to be lent by your bank, and how much is lent out by saying hello. I remember seeing the news a few days ago that you also took out loans to pay wages to the Daixian Coal Mine, and if you think about it, they can't pay the wages to the workers themselves, so what can you do if the money you lend out is not wasted. It's just that everyone is a state, the coal mine is the first, the bank is also the first, and if you lose, you lose. If it's his own money, who would do that, you say yes?" Hu Mingchen picked up the teapot and helped Lin Mingzhen fill his teacup.

Hu Mingchen's words made Lin Mingzhen's gaze at him strange, especially Hu Mingchen's mention that commercial banks assume the function of policy banks, which made him even more impressed, and ordinary people can't see such a thoroughness.

"No wonder your investment will have such a good return, you are a person who understands and sees it clearly. There are some loans that we don't really want to disburse, but in the end we have to disburse them, even if we know that the money will be sent out with meat buns and dogs. There are pressures and demands in the city and the province to help local development and state-owned enterprises tide over the difficulties, and some greetings have to be listened to. Lin Mingzhen said with deep feelings.

"Aren't you vertically managed?" asked Hu Jianqiang.

"The system is vertical management, but in fact it is not necessarily the case, after all, we have to set up a presence and conduct business in this place, then it is indispensable to be affected by the local government, and if the local government restricts us, we will also have many difficulties. It's one thing to think, it's one thing to be realistic, that's our reality. Don't look at the cowhide coaxing of our governor, if you really see the leaders of the city, you don't have to bend over. The rights are not the same, the influence is not the same. Lin Mingzhen took a sip of tea.

has worked in the bank for many years, and Lin Mingzhen has a very good feeling for the subtleties in this. The president of their bank, the mayor may not take it seriously, there is only one mayor, but there are many banks. At least there are four major state-owned banks, and every city must have them.

"I thought that in order to get money, the local government had to look at your faces everywhere. Hu Jianqiang said.

"How can it be so exaggerated, for the county, it may be, but for the city, it is not at all. If nothing else, there is a gap in the level of light. Lin Mingzhen said.

Speaking of these exciting topics, Lin Mingzhen is not tired anymore and does not mention the matter of going home, and Hu Mingchen and Hu Jianqiang do not mention the matter of sending or not sending it.

"That's right, Uncle Lin, I think, if you have the opportunity, you should be transferred out of the banking system, and if you take up a position in the local government, it is estimated that there will be many more development opportunities. Hu Mingchen echoed the proposal.

"Forget it, then I don't want to, at our level, the difficulty is not ordinary. Even if it is a branch leader, it is not very likely to be transferred to the local area, but I am still safe and stable, honestly working in the bank until retirement, and getting some retirement salary. Lin Mingzhen is telling the truth, but he is not telling the truth.

said that he was telling the truth, he did have to transfer from the banking system to a local post, and the door was indeed opened, but the difficulty was really not small, and the people who could do this kind of conversion every day were really rare. There is a specialization in the art industry, and more often than not, they still have to stay in the bank to serve.

said that what he said was not the truth, referring to Lin Mingzhen, who might not necessarily want to be transferred to a place. On the one hand, the salary is different, and on the other hand, the degree of freedom is much greater. The local government wants to manage this and that, and in their banking system, almost no one cares.

What's more, Lin Mingzhen is in the credit department, in this department, there is a lot of oil and water, the work is relatively leisurely, and he is respected, and there are people who treat him everywhere he goes, in such a situation, Lin Mingzhen is willing to be transferred to work in the local area, which is a strange thing.

As a director of the credit department, even if someone takes a township chief in exchange, people may not be willing.

"Hehe, Uncle Lin, I guess it's not that easy. In the future, you should continue to make progress, and when the time comes, you will be busy, you want to be safe and honest, I'm afraid there is not much space. Hu Mingchen said with a smile.

Hu Mingchen's words suddenly aroused the thoughts in Lin Mingzhen's mind again, and he remembered that his main purpose was to replace the director, and he met with Hu Mingchen today to get support and increase his self-reliance.