According to the pre-arranged time, Ding Le and his entourage came to Huafa Company, which covers an area of 25 acres and is located on the west side of the main road of the Automobile City in the High-tech Zone, with a superior geographical location.

Chen Jiguo, the owner of Huafa Company, has been waiting in the conference room for a long time, and he has been worried about the company's financial constraints in the past few days.

Last month, the company's loan with CCB expired, and he used all the money on hand to repay the loan. However, after the loan was repaid, CCB replied that the scale was tight at the end of the year, there was no credit line, and the loan would not be disbursed until New Year's Day.

CCB's reply completely disrupted the company's capital transfer, and Chen Jiguo was anxious like an ant on a hot pot.

At the end of the year, Shaanxi Automobile will hold a dealer conference, at which dealers around the country need to pay a deposit to ensure that the next year can be delivered normally. As a key dealer of Shaanxi Automobile, the company will pay a large amount of deposit at the annual meeting every time, and now the loan of CCB is delayed, and there is a gap in the company's margin, so he has to find another bank to find a way.

The arrival of Ding Le and his entourage today made the boss Chen Jiguo see the hope of surviving the current difficulties. When Chen Jiguo saw Ding Le, he was a little suspicious, he was the person in charge at a young age, in his opinion, it must be the child of the leader of the family! But a dead horse is a live horse doctor, there are many roads and hopes, and he can't care so much.

After a brief greeting, Chen Jiguo got straight to the point and went straight to the point.

"Mr. Ding, I am an urgent person, since you are here, I will not hide it, I will directly tell you about the current situation of our company, Huafa company's business development in recent years is no problem. Chen Jiguo's words were filled with anxiety.

"At present, our company has received a loan from CCB, and our company is now in special need of funds, in this case of our company, you Haizhou Bank to see if there is any possibility of cooperation, if there is we, we will continue to talk!"

Ding Le was a little surprised that Chen Jiguo did not play cards according to the routine, and generally negotiated business with the company's boss, always depicting the company's glorious past and bright future.

"Mr. Chen, since you are so direct, then I will also talk about my opinion!"

"Our two account managers also collected some information about Huafa Company in the early stage, and after our preliminary judgment, as long as we can confirm that your company's financial situation is good and the purpose of the loan is true, I think there is no problem in cooperating!" Ding Le also expressed his willingness to cooperate, but did not directly promise anything.

"Moreover, if we cooperate, my requirements for the collateral of Huafa Company, the future account flow, and the wages of workers can be transferred to us!"

"These are all easy to say, the key is whether you can approve the loan to me!" Chen Jiguo pressed step by step, eager to know the result.

"This will certainly not disappoint you, please believe in our professionalism, it is better to let your financial staff come over, we will now learn more about your financial situation, we only need to look at your company's car delivery list and the corresponding VAT invoice. Ding Le said.

Chen Jiguo saw that Ding Le was still very persistent, so he had to call the finance to come over with the information.

Therefore, Ding Le, Chen Tongxi and Zhang Zidong verified the financial situation of Huafa Company, and they checked the documents and corresponding VAT invoices for each car one by one to understand the company's real sales situation.

Through a morning's efforts, the three of them conducted a thorough investigation of the sales situation of Huafa Company this year and confirmed the company's main business income. As of the end of November, the company's long-term and short-term solvency, profitability and operating ability are in line with the access standards stipulated by the head office.

Ding Le said to Chen Jiguo, who had been waiting on the side: "Mr. Chen, after our confirmation, there is no problem with the cooperation with your company!"

When Chen Jiguo heard this, a smile finally appeared on his face, and he finally let go of the suspense in his heart, "Then you hurry up and help me apply for material approval, I think I can get the money before the end of the month, I don't know if you can do it." ”

"Don't worry, there is one more thing to confirm, your company has the habit of settling with acceptance bills, so we will extend credit to your company with an open bank bill, instead of directly cooperating in the form of loans, I don't know if Mr. Chen can accept it!" Ding Le threw out the final condition.

"Acceptance bill?" Chen Jiguo was a little surprised.

"Yes, 50% open bank bill, that is, you only need to pay a deposit of 500,000 yuan, our bank will issue you an acceptance bill with a denomination of 1 million, and the other 50% will be secured by your factory land. Ding Le explained.

"Oh, is it still possible to do this?"

"Of course, cooperating in this way can help you save interest on the loan, and the part of the deposit you deposit in the bank still has interest, if you settle the amount of more than 50 million in the acceptance bill every year, then this alone will not only allow you to save a lot of financial costs, but also help you earn some interest income. ”

Ding Le's proposal, so Chen Jiguo's eyes lit up, their company from Shaanxi Automobile to order a car, with the acceptance bill settlement is no problem, because the CCB has an assessment of the account manager, sometimes in order to help the account manager to complete the performance, they will also open some acceptance bills. But if he follows Ding Le's way, he can also generate some additional income.

"Okay, I agree with your proposal, our company's credit line in CCB is 20 million yuan, and you also have to give me credit according to this amount, and my request is to be fast, I want to see the money before the end of the month!"

"Please rest assured Mr. Chen, we are absolutely guaranteed in efficiency, we will bring back the credit information today, and we will definitely give you news within 5 working days, counting the time for your company to handle the mortgage registration, you can go to issue an acceptance bill within 15 days!"

"Then I wish us a happy cooperation!" Chen Jiguo said, holding Ding Le's hand.

Back in the office, Ding Le asked Chen Tongxi and Zhang Zidong to hurry up and write credit materials, "In this business, we must meet the needs of Huafa Company in terms of efficiency!"

After everyone will do, the company's marketing department agreed to extend a credit of 20 million yuan to the bank acceptance bill of Huafa Company's exposure for a period of 2 years, and the exposed part is mortgaged by Huafa Company's real estate and land.

Ding Le believes that reporting to the head office in this way is absolutely 100% approved, because this cooperation model will bring 2000 fixed deposits to the marketing department, which is a win-win result.

"You should hurry up and report the credit materials to the head office, and at the same time remind Huafa Company to hurry up and cancel the warrants of other items, and wait for our credit approval to go through the new mortgage registration procedures immediately!"

In the afternoon, Ding Le received a call from Ding Jianye: "There are some troubles in the implementation of Bear Stearns' short strategy, according to the review of Bear Stearns stocks a few working days ago, it is not easy to find stocks in the market that are willing to lend stocks for investors to short, and the interest rate is relatively high, or they will sell short naked!"

"You can discuss it with the trader for specific execution, anyway, I now ask you to open a large number of short positions for 3 months, according to our existing funds, we will not refuse, according to my speculation, we must have at least 10 times more income on this order!" Ding Le said decisively.

Just after Ding Le hung up the phone, he received a strange call. At first, Ding Le thought it was a harassing call, so he didn't care, and he didn't think that after Ding Le pressed it, he continued to call in.

"Hey, where?"

"Yo, you forgot me so soon!" Ding Le listened to the voice on the phone, and Xu Jing's lazy and plump figure immediately appeared in his mind......