"Governor Min, I was originally going to take someone down to Panyun County, but I adjusted the incident to tomorrow, anyway, there is no rush over there, I will go again tomorrow, come, your water." Lin Mingzhen carefully placed Min Wen's water cup on her desk where she could reach it out.

As soon as he heard Lin Mingzhen's words, Min Cohen frowned. She just can't get used to the way these people below do things procrastinating. Good things will change, such a work attitude, how can the work performance be good. There is no awareness of serving customers at all, let alone paying attention to it.

When he raised his eyes, he saw Min Wen frowning, and Lin Mingzhen secretly said that it was not good, he took the initiative to lose points from President Min.

So Lin Mingchen hurriedly added: "Governor Min, the reason why I postponed my trip to Panyun County by one day is because I have important work to report to you, and I can't grasp the time, so I temporarily adjusted my itinerary." However, I have called and already agreed with that it will not affect the work of others. ”

After listening to Lin Mingzhen's words again, Coco Min's face looked a little better.

"Oh, then you say, is there anything you want to talk to me about?" Min Coin nodded, and then he took a sip from the water cup, then picked up the remote control of the air conditioner and turned it on.

There is generally no heating in the south in winter, but many places in the south do not have hot winters, but are more wet and cold. In such a situation, heating in the south is either by electric stoves or coal stoves. At present, most people do not have such energy-consuming items as air conditioners, and only some units or people with good conditions use them.

The air conditioner in Min's office was bought by her predecessor, and the other offices use electric heaters.

The weather in Liangcheng is not very stable after the New Year, and when the sun comes out, it looks like spring, but once it is cloudy or a little rainy, the temperature will drop and continue to return to winter.

"President Min, that's right, I talked to a customer here, and they want to borrow from our bank......"

"Comrade Lin Mingzhen, there are customers who want loans, you should deal with them according to your authority. If you can't handle it, report it to your director, and if the amount of funds is large, he will report it to me for approval. Min Wen interrupted Lin Mingzhen's words.

Min Cohen is not reluctant to come to him to report to the staff and cadres below, but he doesn't like this kind of overstepping the report of specific affairs, there are relevant management procedures within the bank, if she comes to her for everything, then she will not be enough even if she has thirty-six hours a day.

Min Coco needs cadres who can take charge of themselves, not people who are submissive. Just like when he encounters a problem, he will not look for a provincial bank at every turn.

"Governor Min, it stands to reason that you want to do what you say, but ...... This customer is a bit special, and the amount of money to be borrowed is a bit large. Even if I report to the director, he still wants to find you, so I thought, just report it to you directly, because I am involved, so I need to know more about the situation. Lin Mingzhen carefully organized the language vocabulary.

"Okay, then you go on. ”

"Okay, President Min, that's right, there is a private enterprise in our city called Xingsheng Development Co., Ltd., they have not been established for a long time, but the development is very rapid......" Lin Mingzhen began to explain his understanding of Xingsheng Development Co., Ltd. and their conversation with Hu Mingchen yesterday, and made a little refinement and combination statement to Min Min.

"Are you saying that they want to use 300 million worth of collateral to borrow 100 million from our bank......? Why haven't I heard that we have such a large private enterprise in Liangcheng. Min Wen frowned.

"President Min, to be honest, although I have been in contact with them for a short time, I didn't expect them to develop to this scale before yesterday. Because their larger funds are invested, they are in the field. According to their general manager, they now hold 25 percent of Penguin Technology in Pengcheng, the largest shareholder of that company, and their collateral is 15 percent of it. Lin Mingzhen said.

Lin Mingchen talked about Hu Jianqiang, but he didn't dare to mention Hu Mingchen at all. It was originally a good thing, but if Hu Mingchen was mentioned and said that it was a middle school student talking to him about this, it was possible to turn a good thing into a bad thing, and President Min Xingchang would most likely treat him as a madman with a brain problem.

"Penguin Technology, they are the largest shareholder of Penguin Technology, and we have such a company in Liangcheng?" Min Coin was surprised and half convinced.

It's really a small place like Liangcheng and a network company like Penguin Technology that is now gaining momentum, and it sounds like a deceptive fabrication. Especially when the company has been established for a very short period of time, and the strength is not necessarily strong, and it is still established by locals.

Because they are inland, the locals always feel that the rich are the big coastal bosses, the big coastal cities that can engage in high-tech, and the outsiders who can do that kind of forward-looking investment. Now some people are involved in real estate and municipal development, but the proportion of locals in this area is not high.

Now that a company has popped up saying that they have such strong strength, how can Min Coin easily believe it.

"Governor Min, I was skeptical at first, but then I chose to believe it. Because I have been in contact with them, my judgment is that they are not liars, and it is impossible for them to talk about such things. Moreover, even if we want a loan, we have to verify it, and it is impossible to easily allocate the money to them. Lin Mingzhen said.

"There is some truth in what you say, if it is really as you say, then we really have to catch such customers. Did they tell you, what are you going to do with a loan of 100 million?" Min Coco nodded solemnly.

"Not really, and in my experience, what they say doesn't necessarily mean that they actually use it as they say. The funds are in their accounts, and how they spend them is not their loss. That's why we're going to pay attention to the mortgage now. Lin Mingzhen saw that he had attracted Min Wen's attention, and he spoke more calmly.

"Well, a hundred million, a hundred million...... This amount is really not small, this juncture is ......" Min Wen gently tapped his right hand on the desktop of the desk, and muttered to himself.

"When they first said it, I was also taken aback, and I only promised to give three or five million dollars. But when I think about it later, I feel that this opportunity should not be missed. Although we are currently reforming and adjusting to prepare for the listing, the more this time comes, the more we should show a difference. No bank in Liangcheng has ever lent hundreds of millions of dollars to private enterprises, and I think our bank can become this crab eater. If their mortgage is genuine, we can evaluate Penguin Tech before deciding whether to lend or not. Lin Mingzhen thought that Min Cohen was hesitating to refuse, feeling that the amount was too large, and the provincial and municipal banks were strictly controlling the funds, so he lobbied further.

However, Lin Mingzhen thought exactly the opposite of Min Wen's hesitation.

Min Cohen wasn't thinking about pushing it out at all, but thinking about how to pull it in.

It's just that 100 million is a lot of money, especially for a private company. Not to mention that the funds in their bank are not abundant enough to be used casually, after all, everyone is adjusting at this juncture. More importantly, Min has to evaluate the risks and losses.

If the loan of 100 million yuan cannot be recovered, resulting in losses, then Min Cowen, who "committed crimes against the wind", will be in trouble. This money is not like lending to state-owned enterprises, which can be smoothed out on the books.

But on the other hand, if you can hold on to such a company, then the benefits are definitely not small, and the social and economic benefits will be harvested. Because they have been the first to make changes in the real business and have achieved positive results.

Of course, this premise is that the principal and interest can be successfully recovered and Xingsheng Development Co., Ltd. can grow more vigorously.

"Director Lin, your idea is very good, it seems that your thinking about work is still clear. But the stakes are high, and we can't be blind. How do you ...... You should investigate this company first, and I will arrange for it to have a perfect assessment of the development status of Penguin Technology on the one hand, and to make sure that they are indeed the majority shareholders of this company. After this foundation is established, I will personally contact the people in their company. In addition, 100 million funds also need to be allocated, you know, now we are required to actively withdraw funds, rather than loose coins. Min Coin pondered for a while and then said.

received a word of praise from Min Wen, Lin Mingzhen was overjoyed. The key is that this sentence of praise by Coco Min is very connotative, what does it mean to have a good idea, what does it mean to have a clear idea? This kind of praise is very high.

"Well, I'll do what you explained when I go back, thank you, President Min, for your affirmation of my work. Lin Mingzhen nodded suddenly.

"For cadres and workers who work hard, have ideas and are enterprising, I will affirm that you will do a good job. Also, the situation you told me, don't spread it in the industry first, in the case that the situation is still uncertain, the more low-key the better, so as not to make a boil, that is not conducive to our work, understand?" Min Wen thought for a while, and couldn't help but admonish Lin Mingzhen.

"I know, I know, I won't talk everywhere, just because I know it's a big deal, so I report it to you directly. Lin Mingchen replied honestly.

Will Lin Mingzhen go around saying it? Unless he's stupid. If they let the director know, will the director give him a good face? What will other colleagues do to him? Therefore, even if Min Wen doesn't emphasize it, Lin Mingzhen will keep his mouth shut, at least internally.