Xu Jianzhong and Zhang Jun, the company's financial manager, were discussing the company's funds, only to see him sitting on the sofa with a cigarette in his mouth and a sad face.

"Hello Mr. Xu, we're here to disturb again!" Fei Yang took the initiative to greet him.

"Where, where, you are the God of Wealth, who would not welcome the God of Wealth!" Xu Jianzhong said with a smile.

Because he did not negotiate the terms of the loan with the Agricultural Bank of China, the loan has not been received, and because of the arrears of the project payment, the construction of the factory has been stopped, and he is worried about this matter.

"Mr. Xu, this is our general manager Ding Le, and we are also here to visit you today!" Xu Lixin introduced on the side.

"The leader is really young and promising, Lao Zhang, hurry up and make tea!!" Xu Jianzhong got up after speaking, opened the windows on both sides, and ventilated.

"This air conditioner is on, and if you smoke two more cigarettes, you will smell smoke in a room, I'm really embarrassed!"

"Mr. Xu, you are too polite, we came here this time to talk about cooperation with you!" Ding Le said bluntly.

"There is no problem with cooperation! We welcome!" Xu Jianzhong was overjoyed when he heard this.

He was born in technology, and he was relatively straightforward in doing things, and when he decided to invest and build a factory from the magic capital, the other two partners were very opposed, and everyone felt that the company in the magic capital was running very well, and there was no need to go through a lot of trouble.

And he felt that the future electronic components market was vast, and he should not rest on his laurels now, so he came to Haizhou alone to support this stall.

When Fei Yang and the others came to talk about cooperation twice, he didn't take it to heart, he always wanted to cooperate with the Agricultural Bank of China, but he never thought that the talks on the Agricultural Bank side would collapse.

Just when he was worried about the funds, the arrival of Ding Le and his party gave him hope.

"Can I take the liberty of asking, why did the construction in the factory stop?" Fei Yang said.

"Oh, the foundation work in our room needs to wait for the equipment on the production line to come back before it can be carried out synchronously, and the equipment is still being purchased, so the construction has been temporarily stopped!" Zhang Jun was afraid that the boss would tell the truth, so he rushed to the side.

After Zhang Jun finished speaking, he looked at Xu Jianzhong and was a little speechless, Ding Le asked again: "I heard that the Agricultural Bank of China has granted you credit, I don't know how far you have cooperated?"

"We don't plan to cooperate with the Agricultural Bank of China for the time being!" Xu Jianzhong said in a surprising voice.

It turned out that the credit approval of the Agricultural Bank of China had already been passed, but it was stuck in the loan link, and the Agricultural Bank of China only agreed to lend 3 million yuan to Yurun Company.

Xu Jianzhong truthfully told Ding Le the reason for the termination of cooperation with the Agricultural Bank of China, and proposed to cooperate with Haizhou Bank.

Ding Le inquired in detail about the current project investment of Yurun Company, Xu Jianzhong introduced: "I plan to carry out this project in two phases, with a total investment of 50 million yuan, the first phase of the investment of 30 million yuan, and the first phase of the project has raised 20 million yuan, with a gap of 10 million yuan, and I want to solve the problem through financing." ”

"Then why does the Agricultural Bank of China only give you a credit of 5 million?" Ding Le asked puzzled.

"Because the Agricultural Bank of China gave us a working capital credit, it was based on their internal calculations, and at most it could only bring us so much. Zhang Jun on the side said.

Through the preliminary observation of Ding Le just entering the factory, the project of Yurun Company is still in the construction stage, but the Agricultural Bank of China is granted credit according to working capital, which makes him very puzzled.

"Mr. Xu, if we cooperate, we will operate in the form of project loans, so that for you, we can meet your quota needs, but we must strictly verify your own funds!" Ding Le introduced.

"And the self-raised funds of your first phase of the project must be deposited into our bank's account and used simultaneously with the loan funds, I wonder if you can accept this?"

"There is no problem with this, my money is accumulated by me in the previous ten years of entrepreneurship, 20 million in addition to the early auction of land, according to the progress of the contract to pay for the project, the order of equipment in advance cost nearly 10 million, the rest is still in the company's account. ”

"I still have two houses in the magic capital, which can also be used to mortgage to you!" Xu Jianzhong, in order to reassure Ding Le, offered to provide additional guarantees.

After reaching a preliminary cooperation intention with Yurun Company, Ding Le took Fei Yang and Xu Lixin to immediately verify the availability and use of Yurun Company's free funds.

After preliminary verification, the land transfer fee, project construction fee and equipment purchase payment paid by Yurun Company in the early stage all have transfer records from ABC.

Ding Le arranged for Fei Yang and Xu Lixin to call the project contractor of Yurun Company to check the payment of the project payment, and called several equipment buyers to learn about the payment for the order. Through the verification of the two, this is very different from what Xu Jianzhong said.

Xu Jianzhong also introduced that in order to ensure the quality of plant construction, the concrete used is of high standard, and the original drawing design was specially invited to the design institute of Modu.

Near noon, Xu Jianzhong invited Ding Le and the three of them to have lunch, contact feelings, and further deepen understanding, but Ding Le politely refused, Ding Le said: "We visit through field investigation is the best way to feel emotional! Eat a boxed lunch in your company at noon, I invite!"

Ding Le's words made Xu Jianzhong give a thumbs up: "Mr. Ding, I really believe that you are a person who wants to do business, and I will also accompany you to eat a boxed lunch! Since you don't agree to go out to eat, then I will pay for the boxed lunch, you can always give me a face!"

After eating the box lunch, Ding Le continued to take Fei Yang and Xu Lixin to verify the finances of Yurun Company, and also asked the financial manager Zhang Jun to provide the information required for the project loan.

At the end of Yurun's on-site due diligence, Ding Le once again put forward a request to Xu Jianzhong: "After our project loan is approved, then you have to open the basic account and transfer all the funds at the same time, which is a prerequisite for our loan, so let's make it clear to you first!"

Xu Jianzhong nodded again and again, the amount of money can meet his needs, and he can accept the construction of the first phase of the project first.

At present, the profits of the industry are very high, and the sooner it is put into production, the sooner it will be earned, and he still has the list of old customers who have cooperated for many years, and the sales are not worried at all.

After conducting on-site research in Yurun Company, Ding Le and the three of them also went to the investment promotion bureau in the park and found the staff who had been connected with the investment promotion to understand Xu Jianzhong's situation, and the staff spoke highly of him.

After returning to the bank, Fei Yang worked overtime to write a credit investigation report, and Xu Lixin carefully sorted out the loan information of Yurun Company.

Two days later, a complete credit document was submitted to the credit management department of the head office.

After investigation, the marketing department of the new district company agreed to grant a credit of 10 million yuan to Yurun Company's project loan for a period of 3 years, with the company's construction projects and land use rights as collateral, and the interest rate will be 30% higher than the benchmark interest rate. ”

In Ding Le's view, this investigation material is a combination of Changdong's credit to Haikang, the information is complete, and the credit report is detailed. Just when Ding Le and the others thought that they would be approved soon, the loan review committee of the head office gave a conclusion that the credit would not be granted, which caught everyone off guard......