Lu Fan didn't expect that Mi Guiren not only did not get the loan, but was forced to repay the money first.

It's just that the excuse that this Governor Qi made was really clumsy.

For a large enterprise with total assets of more than one billion, a loan of more than 200 million is really not a risk.

In financial terms, this asset-liability ratio is only more than 20 percent, which is not a big deal at all.

It is clear that the bank is deliberately finding fault.

Sure enough, Mi Guiren was very angry: "President Qi, these loans of our Mi family have mortgages that are far more valuable, and the interest has always been paid normally, why do you say that we are at risk?"

"These are the results of the review by the superiors, and I can't help it. President Qi made an official tone.

In fact, as the vice president of Huaxia Bank's Lianhai Branch, how can he not be clear about whether the Mi family's loan is risky.

But that's the way this kind of thing, their bank is ready to deal with the Mi family, and they can always find some excuses.

"If your bank thinks that our Mi is a non-performing asset, we will consider that the funds will not go to your bank in the future, anyway, there are so many banks, and if you don't have one, it won't have a big impact. ”

Since Huaxia Bank was insincere, Mi Guiren was unwilling to go down with the snake anymore, so he directly came up with his killer idea.

For banks, the meaning of the existence of a large enterprise is not only to earn interest on loans, but also to have a very important flow of funds.

Especially for companies like Michael, which have billions of dollars in cash flow every year, even if the money is only passed through in the bank's account, it is also very helpful for the bank's deposit task.

Therefore, when Mi Guiren said that he would withdraw all the capital business of the Mi family from Huaxia Bank, President Qi also felt a little heartache.

The Mi family's funds account for a large proportion of their bank's entire deposit business, and if they really lose this business for no reason, they will also be a little uncomfortable.

But soon, he recovered.

These things had been expected as early as when they decided to deal with Michael, and they had already taken precautions in advance.

Whether it is Governor Qi or Governor Xu who is hiding, they are not fools, it is impossible for them not to know that if they refuse to give Mi a loan, they will definitely force Mi out of their bank.

They still do it because it is more rewarding for them.

So President Qi is also very tough.

"It's your freedom to go to which bank Mie's business is, but the loan must be repaid, which is a prerequisite for everything!"

What he meant was also very clear, you Mi Shi can leave if you want, and pay off all the loans before leaving.

Mi Guiren was so angry that the roots of his teeth were itching, but there was nothing he could do.

In the real world, rich people are uncles, and in most cases, banks are very polite to them entrepreneurs, but if the bank really wants to target a company, it will definitely make that enterprise very uncomfortable.

Mi Guiren is very uncomfortable now.

It has not yet reached the agreed payment period of the company, and they will not have any funds in their accounts for the time being, so if they really want to tear their faces with the bank, they will really not be able to repay the loan for a while.

He was embarrassed, and Lu Fan, who had been silent, finally spoke.

"Loans are all under contract, and if you do this, it should be regarded as a breach of contract, right?"

Of course, there is a contract for a loan, otherwise there is no such thing as a loan time.

It's just that in a contract like this, there are usually some small clauses, which are about the right of the bank to recover the loan in advance after something goes wrong.

These small clauses are mainly used to protect the interests of the bank, but they can sometimes be used by the bank.

Now is the time to do it.

President Qi glanced at Lu Fan coldly: "Of course there is a contract, but the contract states that if we find that this loan is too risky, we have the right to recover the loan in advance, so we do this completely in accordance with the contract." ”

Since they want to choose to deal with the Mi family, they will naturally take all the situations into account in advance.

After all, the Mi family also has a lot of influence in Lianhai City, it doesn't matter if you deal with a Mi family, the key is that this attitude will affect other companies.

If the vast majority of enterprises in Lianhai City think that Huaxia Bank can do whatever they want with the enterprise, then it will become more difficult for Huaxia Bank to do corporate business in the future.

However, Governor Qi is a veteran of playing with these, and he is very handy at dealing with this kind of thing.

He is ready to let out the wind today, saying that there is a big problem in Michael's business, the capital chain is broken, and the bank is also preparing to recover the loan.

At that time, Michael's market value will definitely plummet, and at that time, Michael's loan will really become a risky loan, and it will be very justified for the bank to come forward to recover the loan.

And they are not afraid that Mi will not repay the loan, after all, Mi's loan is secured by fixed assets, and if they can't receive the loan, their bank will collect Mi's real estate rights, and for them, it is profitable.

"So, are you going to force Mi to death?" Lu Fan asked.

"How is that possible?" Elder Qi Xing was cunning, and of course he wouldn't admit it, even though it was actually their real purpose.

"What we have to do is just to protect the interests of the bank, as for Michael, whether it is because of other banks or because of this, it can only be said that it is because of the laws of the market, and it has nothing to do with our approach. ”

Mi Guiren's face was pale, he could already see that these guys in the bank didn't simply want to recover their Mi's loan, these guys simply wanted to ruin Mi's.

Although the Michaels are extremely large and not so easy to destroy, it is certain that they will break their muscles and bones if they toss them.

Now Mi's is second only to the existence of the five major families in Lianhai City, but after the toss, Mi's is afraid that it will have to return to the previous model of small shops and small workshops.

Mi Guiren now has no mind to continue to stay here and talk nonsense, he really wants to go home quickly, go to the real core of the Mi family, his father Mi Lao, to discuss how to face this incident.

It's a pity that Lu Fan doesn't seem to understand his mind at all, and he is still talking to President Qi.

"Well, I also think that everything in the market should follow the laws of the market. ”

Lu Fan smiled and clapped his hands: "For example, if your bank suddenly suffers a huge loss, will it affect your throne as the head of the seven major banks?" President Qi frowned, and his voice was very displeased: "What do you mean by this? Do you want to threaten me?"