"Manager Lin, his farm is not worth 30 million at all, aren't you embarrassing me?"

On the second day, it's better for the two of us to be honest. , sure enough, 30 million is not so easy to borrow.

"Manager Hu, it's not like the two of us have cooperated once or twice, he has to have 20 million yuan for that farm. ”

Lin Yuan took a step back, and Manager Hu of this bank also nodded slightly.

"Then the Lin family's farm, you will give me 20 million to calculate, in addition, the Lu family also has an old house of more than 500 square meters, although it is not a good location, but a loan of 3 million is always OK, and there are other scattered objects, a loan of 1 million is no problem." ”

In order to borrow 30 million from the bank, Lin Yuan used almost all the things in Lu Jin's house as collateral.

"However, Manager Lin, this is still not enough, even according to your algorithm, it is only 26 million, how can I give him 30 million."

Manager Hu, who has been a bank manager for so many years, this account is still clear, and in the final analysis, he doesn't want to give the Lu family in duckweed a loan at all.

"Whether Manager Hu can bring it down is not a matter of your words, of course, it will not make it difficult for you to do. ”

Lin Yuan took out the certificate issued by their department and handed it to Manager Hu, who was also a little shocked when he opened it.

"Manager Lin, come prepared, using the reputation of your department as collateral is indeed enough for this price. ”

Lin Yuan has done everything according to the regulations today, the assets of the Lu family are not enough, but with Lin Yuan's department as a guarantee, it is time to get the loan, but Manager Hu is still refusing.

Looking at Manager Hu's squeaky appearance, Lin Yuan instantly understood what he wanted to do.

"Manager Hu, this is the contract that Lu Jin, the son of the Lu family, has signed, after the opening of the Lu family's kitchen, I am willing to hand over half of the profits in the next three years to your branch for financial management, and the fixed funds of our department in the next year can also be handed over to your bank to take care of, and the name of this financial consultant, I am empty. ”

Manager Hu read the contract and swallowed a mouthful of saliva.

Lin Yuan really eats it to death, tens of millions of assets are managed, so his personal profits are not a few.

"Manager Hu, this is already all the guarantees we can do, can we eliminate your concerns. ”

This series of documents directly aroused Manager Hu's appetite, and he began to look at a series of certificates and documents seriously.

After a while, Manager Hu asked very seriously: "But Manager Lin, even if the feasibility of the Lu family's kitchen is high, there is also the possibility of loss, I am asking what if it loses." ”

Lin Yuan knew that Manager Hu would ask such a question, so he took Manager Hu aside and said mysteriously:

"Manager Hu, if you lose money, it is the bank looking for Lu Jin to collect debts, and it has nothing to do with you, but if you make a profit, you will take the shares. ”

Lin Yuan's words also made Manager Hu startled, and he hurriedly checked if there were any outsiders in 4 weeks.

I have to admit that Manager Hu is really moved, Lin Yuan came prepared today and thoroughly understood the procedures of bank loans.

"Manager Hu, the loan process is very compliant, and we have a lot of materials, this risk assessment ......"

Manager Hu glanced up at Lin Yuan, a little hesitant.

30 million is not a small amount for the bank, if Lin Yuan and his department come to borrow by themselves, they naturally do not need to go through risk assessment.

However, the scale of Lu Jin's farm is limited, and now it is in crisis, this risk assessment is difficult to overcome, but the relative risk assessment is the most artificial part of the loan.

"Manager Hu, it's time to make a decision."

Lin Yuan's fox-like smile made Manager Hu panic in his heart.

But in the end, he gritted his teeth and said: "Since Manager Lin has been so thoughtful for me, if I still don't agree, I don't know what to do." ”

Lin Yuan patted Manager Hu on the shoulder, some things can only be understood but not spoken.

"Manager Hu, about the 30 million loan, I hope it will arrive within half a month. ”

Manager Hu, his heart was shocked, and he looked up at Lin Xuan.

"Manager Lin, you're not joking with me, you may not be able to complete the risk assessment in half a month. ”

Lin Yuan is naturally very aware of the bank's process, if it is not urgent, where does he need to pay so much price to let Manager Hu go through the back door.

"Manager Hu, they are all people in the circle, they all understand this process, you have a way. ”

Manager Hu glanced at Lin Yuan and hesitated.

One is the bank's interest, the other is the personal interest, and the most difficult trade-off between the two is risk.

"Manager Hu, half of the income in five years. ”

"Done. ”

I would rather this last straw completely break down Manager Hu's defense.

No one will resist the temptation to make a profit and not lose money.

"Manager Hu, happy people, then we will settle this matter, but I still have to repeat it, I must get the money within half a month. ”

"Don't worry, since you have agreed, you will definitely finish this matter for you, and I hope that Manager Lin will remember your promise. ”

Fixed funds for a large restaurant and a large corporate sector, he just lends money is a lot of money.

As a bank manager, as long as he has money, he has a way to make a profit.

"In that case, I won't stay with you any longer, and I'll call you again when it's done. ”

An asset of 30 million is also a large amount for a bank, even if it is approved.

It will take a lot of time to get this money together, and Manager Hu has been busy in the past half month.

As soon as he got out of the bank, Luo Bin's phone called.

"Hey, boss, I've checked what you explained. ”

Lu Jin's contract was greasy, and someone deliberately set it up, so Lin Yuan asked Luo Bin to check, but he didn't expect that there were really some results.

"How?"

"It was a food city that signed the contract, and they deliberately lured the Lu family to increase investment, and then deliberately defaulted on the first installment, forcing the Lu family to dump at a low price, and then exerting pressure, resulting in low prices and unsalable. ”

This method is not new, and many large enterprises like to use this method to drag those small enterprises to death.

"Who's behind it. ”

"I can't find it, there is no trace of what the other party did, if it weren't for this food city, there was a huge transfer in the account suddenly 5 months ago, I don't want to believe that there is someone behind them. ”

Lin Yuan slowly hung up the phone and thought for a long time alone.

This matter he suddenly reacted to was not as simple as he thought, although the Lu family farm was a little large, but for such a behemoth, it didn't seem to be so attractive, and they couldn't beat around the bush.