Hu Mingchen's large paragraph made Min Wen a little blind, what the hell is this.

"Xiao Chen, don't you have a clear plan?" Lin Mingzhen asked as he sat on the side.

"Uncle Lin, we talked about it last time, if I give you a clear plan now, to be honest, it's not difficult, just find a few professional planners and do it, but that's a lie, is it meaningful? The investment in the business field is completed in an instant, everything is market-oriented, don't we want to establish a socialist market economy now? Everything is determined by the market. However, I have already said that the part of the investment that is determined to be increased is that on the side of the mountaintop lake, it is necessary, at least millions of dollars. The supermarket is also certain, in order to do a good job in the layout of the city, at least tens of millions, after all, Panyun County, Langliu County and other places below have not been expanded. As for the rest, it's hard to say for the time being. Hu Mingchen replied head-on.

"But you are borrowing 100 million, even if you invest 10 million on each side, there will still be a surplus of 80 million. Min said.

"Governor Min...... There is a big difference between us lending and you lending, not investing. If you are investing, then you should ask us to come up with a detailed investment plan, budget statement and expected return statement. But we are a loan, and it is a secured loan, and you should more importantly see whether our collateral is worth your loan, do you say that I am right? Maybe my words are a little blunt, I hope I have not offended you two leaders. Hu Mingchen said hard and soft.

What Hu Mingchen said is not rough. He couldn't go on and on to answer their questions. Otherwise, the bank will still have to examine the organizational form and management mode of Xingsheng Company, so how can it be rectified? Xingsheng Company has no framework organizational form, nor does it have any clear management method, and the core depends on Hu Mingchen.

Therefore, Hu Mingchen might as well go straight to the point, and there is no need to waste time and energy on side matters.

Hu Mingchen pointed to the words, and Min Wen and Lin Mingzhen were speechless, but they were indeed angry with Min Min, even if Hu Mingchen accepted it later.

After working in the bank for so many years, Coco Min herself has also done credit, and she has never met such a horizontal person who has come to take out loans.

In the past, when those people came, they only said what they wanted, whether it was an excuse or a cover-up, and there was no one who did not have a good attitude and was good to answer.

This little guy is good, and he hasn't done anything yet, so he replied stiffly.

However, Min Wen also had to admire Hu Mingchen's courage and eloquence, he could tell the meaning in place, but he didn't say it.

"Although our bank is not an investor, we have to be responsible for the safety of our funds if we provide funds. In addition, while we help enterprises develop through funds, we also hope to provide more support to enterprises. Overall, we are well-intentioned, and we are partners with our customers in a phalanx. We are reluctant to meddle in the actual business of our customers, we want our customers' enterprises to get better and better. However, when we see the development of enterprise customers...... When there are defects and unreasonableness, we also have the obligation and responsibility to remind them. Min Wen said after a pause.

"President Min, I'm sorry, I didn't mean anything else what I said just now, I hope to bear with me. Banks have professional financial and economic talents, and they also have a lot of economic information, and they can help us. Hu Mingchen's face, which was still calm just now, instantly showed a smile and said.

This little guy is really not bad, it's you who put it, and it's you who can collect it, and you can really put it away freely, and you can bend and stretch.

"It's good that you can have this awareness, to be honest, we work in a bank, we deal with companies all day, we have seen a lot of companies, when they are growing fast, their strength is amazing, but the speed of their fall, it is also unexpected. We hope that our corporate customers will grow longer and stronger, and can become one of the top 500 companies in China and even the top 500 companies in the world. Therefore, we will care about the operation of the enterprise and provide help within our ability. Min said.

"What is the world......'s top 500? Is your bank now one of the world's top 500?" asked Hu Jianqiang, holding his brain.

Hu Jianqiang didn't mean it, but when he asked, Min Wen blushed with shame.

Hu Jianqiang has a sentence to the point, so far, Min Cohen's bank is not one of the world's top 500. Why do they want to go public? Why do they want to reform and adjust their handling of bad debts? Their purpose is also to go to the world's top 500 companies.

I haven't reached it yet, but I want to help others reach the world's top 500, which is somewhat ironic.

At present, the proportion of Chinese enterprises in the world's top 500 is only a handful, and very small, among them, the United States and Japan account for more than half. China's top ranking this year is two barrels of oil, which are only 69 and 70. The others are two state-owned telecommunications companies, an insurance company, an import-export company and three banks. All of them are state-owned enterprises, and Min and his bank are not one of the three state-owned banks.

Even the three shortlisted banks are quite low, and whether it is operating income or profit, compared with large international companies, it is not a little bit worse.

Sadly, there wasn't a single private company on that list, and the last one on that list this year also had revenues of more than $10 billion. At present, any private enterprise in China is still far away from this revenue amount.

"Third uncle, the world's top 500, is the abbreviation of the world's largest 500 enterprises. After all, they are national banks, and the scale is still very large, especially when they are going to be listed overseas next year, and they have a large financing scale. Hu Mingchen explained awkwardly.

It's not embarrassing, it's not okay, Hu Jianqiang is sprinkling salt on other people's wounds, and people will not look good.

"I also believe that there is no problem, after all, we have a volume here, and there are outlets all over the country. Min Wen nodded.

"President Min, I'm sorry, by the way, you just said that you will help the development of the enterprise, so can you give us some advice. Our company has been established for a short time, it can be said that it is still a grass team, you give guidance and promote our improvement and development. Hu Mingchen changed the topic and humbly sought advice.

"Since you asked, I'll tell you...... During this time, I learned a little about your company. To put it mildly, as you just said, you are really similar to the grass platform team, the structure of the whole company is basically empty, there are no professional and fixed financial personnel, no administrative personnel, no marketing personnel, and no logistics personnel...... You don't even have a charter. Because you are a family business, I understand to a certain extent, but you can't be empty like this, and what's even more incredible is that you don't even have a fax machine or a computer...... The average company, if it were like this, would have gone out of business long ago. However, I am amazed that your company can grow bigger and bigger, especially if you know how to invest in new industries in coastal cities. Min Cohen took a sip of tea.

"Hehe, Governor Min, I'm smiling at you. Yes, yes, it's exactly what you described. Let's put it this way, our company, even the official seal is not in the office, for fear of losing trouble, it is all taken back to the hometown to put it, and it is necessary to use it again. Hu Mingchen is not ashamed, but can still accept and laugh open-mindedly, this heart is really not ordinarily powerful.

"Take the official seal back to your hometown?" Min Cohen and Lin Mingzhen glanced at each other, both of them dumbfounded.

"Yes, because I lost it once before. However, what you said, we have also taken it into account, and we ourselves know that when an enterprise develops to a certain stage, it should have the connotation and management of that stage. From a normative point of view, Xingsheng Development Co., Ltd., as the head office, is not as good as Xingsheng Supermarket and Xingsheng Tourism Company below. Therefore, we are already planning to improve our organizational structure and establish a modern enterprise management system this year. A considerable part of the money borrowed from your bank is used for this. Our goal is to become a benchmark for private enterprises in Liangcheng, and even a benchmark for private enterprises in the province. As for saying that we can still grow in such a situation, this is what I just said, we just follow the market, the market is ever-changing, where there is profit, where it is beneficial to society, we will do it. Hu Mingchen said very frankly.

"Well, it's good that you have this sense of crisis, and it's good to have this development ambition. I don't know how long your company plans to lend, short-term or long-term loans? Also, if 100 million is too much, 50 million will not work?" After being persuaded by Hu Mingchen, Min Cohen got down to business.

"This loan, of course, is long-term, and the time is too short, which is not conducive to operation and turnover, preferably five years. As for the amount, our goal is still 100 million, and we can't do anything without it. Hu Mingchen didn't need to open his mouth to answer this, Hu Jianqiang answered.

In this regard, since the last time I met Lin Mingzhen, Hu Jianqiang and Hu Mingchen have discussed and formed a unified opinion.

First of all, they will never do short-term loans, in that case, there will be a lot of repayment pressure, and they will not be able to really find another business loan to free up their right hand when the time comes.

In terms of amount, Hu Mingchen's opinion is still 100 million is relatively generous, and 50 million is a little less. Or that their goal is 100 million, and 50 million is actually the bottom line.