September 21.

Afternoon.

Clear.

There was a breeze.

Paramela drove smoothly on the main road.

Ning Yan, who was sitting in the car, was playing with her mobile phone, and Yan Zhi, who came with her, was also busy with her own affairs.

As a secretary, Yan Zhi has always been busier than Ning Yan.

From many perspectives, Yan Zhi is very much in line with the character of a secretary.

When there is something, Ning Yan almost always arranges Yan Zhi to do it, and when there is nothing to do, he does not take Yan Zhi on vacation.

If someone is a secretary, there is still a Saturday and Sunday, and there is still a free space.

She Yan Zhi, there is no one at all!

"It's done. ”

Yan Zhi replied.

Ning Yan asked casually: "Whose door?"

If you really want to talk about it, there are a lot of people who especially want to help Ning Yan.

Some of them are not even familiar with Ning Yan, and they can even be said to be unknown now, but they still want to rush up to help.

There has always been a saying in China that it is difficult to repay the debt of favors.

However, Ning Yan didn't think it was too difficult to get a little bit of a loan, and he didn't pay too much attention to it.

But Yan Zhi's answer made Ning Yan stunned.

"Xinning. ”

Ning Yan: "???"

"Isn't this little thing something that can be solved by just looking for someone Lin Mian?"

"Isn't it in line with the rules to borrow hundreds of millions of dollars in local banks in Ningbo through friend channels?"

After Ning Yan's words fell, Yan Zhi's eyes widened.

"I ......"

Yan Zhi sighed deeply.

"I thought you were trying to persuade President Lin of ICBC to let ICBC lend a few hundred million more to Tianyuan......"

Although it looks like it's all loans.

But the meaning is not the same.

Since this President Lin moved out from Zheng Jie, there is no need to say much about their familiarity with each other.

Therefore, Ning Yan purely met the president of ICBC who was moved out according to common sense when he was the CEO of Tianyuan Finance.

I didn't even think about it.

After all, ICBC is also considered to have faced, and the president personally came forward.

It is only a matter of loans, and in any case it is unlikely to involve any cooperation from other parties.

Even if it's just that, it's already a red line.

Of course, Ning Yan understood what Yan Zhi meant.

Yan Zhi thought that Ning Yan wanted to slap her face on the spot.

So now the results are a bit twisted and bizarre.

Li Chengze said, yes, but it's more troublesome, and suggested that I try to find Xin Ning, so I just looked for Xin Ning. ”

Yan Zhi added.

“......”

The matter is done, and Ning Yan has nothing to say.

Anyway, the result is almost the same.

"Okay, okay, that's all. ”

Fifteen minutes later, Paramela arrived at the place agreed by ICBC President Lin, ten minutes earlier than expected.

Fortunately, when Ning Yan arrived, President Lin Zhiyuan of ICBC had already arrived.

This alone can be regarded as an expression of ICBC's attitude.

Cooperation is definitely about cooperation.

As for the rest, you need to talk about it to find out......

When the waiter helped push open the door of the box, Lin Zhiyuan, who was originally sitting on a chair, stood up, habitually pushed his glasses, and looked over.

"Mr. Ning, it's a pleasure to meet you. ”

Ning Yan smiled and said, "President Lin, please take care of us when we meet for the first time." ”

“......”

The surprise in Lin Zhiyuan's heart was far from the calm he showed on the surface.

Although it has long been rumored that Tianyuan Financial, which has assets of more than one billion yuan and controls nearly 10 billion cash flow, has changed a young CEO.

But Lin Zhiyuan never thought that he would be so young.

Of course.

Due to the good cooperation between Tianyuan Financial and ICBC over the years, Lin Zhiyuan also pays more attention to Tianyuan Financial.

After all, it's a big guest.

Just Tianyuan Finance's corporate account and capital flow are posted by ICBC, so we have to pay attention to it.

After all...... Many of the other larger companies don't necessarily have their public accounts in Ningbo.

He, Lin Zhiyuan, also has to care about performance.

Who isn't a whole grain eater anymore?

Being young means that things are complicated at the moment.

"Please sit down, I take the liberty of Mr. Ning to drink afternoon tea, there is a lot of disturbance, please forgive Mr. Ning. ”

Lin Zhiyuan had a warm smile on his face.

“......”

As with all stranger meetings.

Lin Zhiyuan and Ning Yan didn't get straight to the point.

It's all non-nutritious greetings.

For example, the quality of the tea, the skill of making tea, etc., feel free to have fun.

After drinking a cup of tea, Lin Zhiyuan got down to business.

"Mr. Ning, I took the liberty to ask you out for tea this time, and I also have a small thing I want to talk about. ”

“......”

"Your company, Tianyuan Financial has always maintained a very good cooperative relationship with our bank, and it is no exaggeration to say that your company is even one of our largest customers. ”

“......”

Lin Zhiyuan talked about some things that were on the bright side.

Including his intersection with the previous CEO of Tianyuan Financial.

A very honest look.

But Ning Yan is not stupid, there has always been a saying that the longer the foreshadowing, the greater the things to say.

Therefore, Ning Yan simply echoed two sentences.

Didn't say much.

Although it is a weekend, for now, Ning Yan's business hours are still very relaxed.

He didn't have much to do.

There is also nowhere to go.

So, he wasn't in a hurry at all.

There are not many exchanges with Lin Zhiyuan in Ning Yan's experience.

But I've also heard that there will always be times when you are too calm.

"Mr. Ning, I don't know if you know that your company has had a loan relationship with our bank. ”

After talking nonsense for almost half an hour, Lin Zhiyuan finally got to the point.

“......”

Ning Yan didn't pretend to be pretty, and said straight to the point: "Lin Xing is talking about a sum of 300 million yuan borrowed from your bank in March this year, a one-year payment, right?"

In fact, if not a partnership.

Loans in the form of companies are generally slightly longer, such as five-year loans.

In addition, the bank loans, %, %, on this basis, fluctuate by about 20%, ......

It doesn't seem to be very well understood.

So in an easy-to-understand way, the common borrowing annual interest rate is up to 18%, and the same borrowing is 10,000, and the annual interest is 435 yuan for the bank.

Borrow: 1800 yuan.

However, in the eyes of many ordinary people, borrowing is already a very reliable online loan, after all, it is convenient and fast, and the interest rate does not seem to be high at all......

Hearing this, Lin Zhiyuan smiled and nodded: "Yes, according to the contract, the expiration time of this payment is March 12, 2020." ”

“......”

After briefly expounding some facts, Lin Zhiyuan changed his words.

"We have heard some risk information about Tianyuan Finance, I don't know if it is inconvenient for Mr. Ning to talk about it?"

When he said this, Lin Zhiyuan felt that his scalp was hard.

Although in terms of process, his behavior this time is completely in line with the relevant regulations of the bank, on the surface, Tianyuan Financial has not yet reached that kind of high-risk moment.

It's not very understandable to say that.

It is about what happened to Wang Si's family, who had deliberately befriended Ning Yan, two years ago.

It's just not the same volume.

Ning Yan smiled, did not refuse, and said very frankly.

"Lin Xing's message is fine. ”

"Yesterday, our company completely ended the external capital pool that had been maintained for several years, and this amount must have been heard of by Lin Xing, nearly 5 billion. ”

"Yesterday afternoon, there were some problems in our company's well-run debt financing business, and in order to solve these problems, the company plans to invest more than 200 million yuan. ”

"Last night, our company's futures business was volatile......"

"Today, our company's small securities custody business also has some unusual ......"

"That's about it. ”

"What else does Lin Xing need to know?"

Ning Yan's attitude was more cooperative.

There's not much prevarication either.

It's just that he was too calm from beginning to end, which made Lin Zhiyuan's thoughts more and more colorful.

"Mr. Ning, don't mind, I'm just following my bank's process and making a simple inquiry. ”

Lin Zhiyuan said slightly apologetically at first.

"However, as far as I know, Tianyuan Financial's debt ratio is very low and it holds a large amount of cash, so even in this case, it should not trigger a risk notice from the head office, right?"

The so-called risk notification.

You have to take it seriously, it's true.

You have to think it's invisible, it can be fake.

That's right.

That's what it means.

With the state of economic operation this year, this kind of risk notification should not be too much.

Ning Yan said: "In fact, I can understand the risk notice. ”

"In addition to the debt ratio, there are many things, such as according to the current negotiation results, the risk probability of Tianyuan Financial is indeed relatively high. ”

"A large amount of money is needed in a short period of time. ”

"And money has been flowing in large quantities. ”

Basically, what Ning Yan said was what Lin Zhiyuan wanted to hear.

When Lin Zhiyuan was about to speak, Ning Yan added: "Actually, if Lin Xing doesn't mind, I still want to borrow another amount for the company." ”

"to deal with the impending crisis. ”

"According to the scale of Tianyuan Finance, the current debt ratio is very low, I think it can still be discussed, what does Lin Xing think?"

Hearing Ning Yan say this, Lin Zhiyuan felt that he was about to be turned into a copper head by his thoughts.

From Ning Yan's words, he actually felt dissatisfied.

Lin Zhiyuan cleared his throat: "Mr. Ning, if this is the current situation, it is necessary to explain that this has exceeded the red warning line that the head office has divided for our ordinary city-level branches." ”

"To put it mildly, not to mention the new loan, there will be other problems. ”

Ning Yan made a gesture: "Lin Xing might as well say it directly." ”

Lin Zhiyuan said solemnly: "According to what you said, Mr. Ning, we will have a meeting to discuss it. ”

"There is a high probability that it will be a team to audit the accounts. ”

"With all due respect, the risk of Tianyuan Financial is far higher than I imagined, far exceeding the safety line drawn by the head office, perhaps this is the source of risk reminded by the head office. ”

"At special times, our guild will decide whether to recover the loan in advance through a meeting. ”

“......”

When he said these words, Lin Zhiyuan's speed of speech was very fast.

After finishing speaking, Lin Zhiyuan quietly breathed a sigh of relief.

As long as these words are brought, the things he promised others will be done, and whether the rest will happen or not has little to do with him Lin Zhiyuan.

Although his will is dominant.

Ning Yan picked up the teacup, twisted it slowly, and looked at Lin Zhiyuan with a smile.

"Is it true that Lin Xing is sure that the head office of your bank arranged it this way?"

Lin Zhiyuan pushed his glasses, feeling a little slighted.

So, he said, "Yes, Mr. Ning." ”

Ning Yan gave Yan Zhi a look.

Secretary Yan, who has never pulled on a formal occasion, responded quickly.

"Lin Xing, for some reasons, we had communication with the head office of your bank before we came. ”

"Wait a minute. ”

Yan Zhi quickly dialed a phone number.

Then handed it to Lin Zhiyuan: "Please ask Lin Xing to answer it." ”

"Soon, no delay. ”

Lin Zhiyuan: "......"

He couldn't figure out what these two people looked so young about.

When he heard the voice on the phone, the whole person was stunned.

"Hello, leader. ”

“......”

"Yes, yes, yes. ”

"I understand. ”

“......”

"Goodbye, leader. ”

When Lin Zhiyuan answered the phone, his whole back was wet.

The words over there were not light or heavy, and there was a bit of a soft taste.

But Lin Zhiyuan has been climbing and rolling for many years, how can he not know that he is really sitting on wax this time.

Compared with the constraints of the local government, Lin Zhiyuan obviously needs to accept the constraints of the head office.

Because local constraints are not so direct.

But the constraints of the head office will be straightforward.

Especially the person who talked to Lin Zhiyuan.

Ning Yan said unhurriedly: "Let's get acquainted again, Lin Xing, my name is Ning Yan." ”

"Mr. Ning. ”

When Lin Zhiyuan looked at Ning Yan again, the look in his eyes completely changed.

No matter how stupid he is.

also knows how much energy it can have to get a person who is close to him and equivalent to his biggest backstage to talk to him in such a short period of time.

In comparison, Zheng Jie's request is nothing at all.

At least Lin Zhiyuan knew very well that Zheng Jie, including that Mr. Zheng, was not capable of doing it.

How much is the difference in the middle, Lin Zhiyuan actually has points in his heart.

"You could have said it earlier. ”

This sentence turned around in the throat, and Lin Zhiyuan didn't dare to say it.

He knew too well what kind of people he was dealing with now.

Xin said: "Sure enough, the people who suddenly appear will not be simple." ”

"This time it was so reckless. ”

"It's a pity ......"

"It gave me so many opportunities at the beginning. ”

“......”

It's a pity that there is no regret medicine in this world, so Lin Zhiyuan can only complain in his heart.

What age, still play this set of pretending to be pigs and eating tigers.

"Can Mr. Ning talk specifically about the needs of Tianyuan Finance?"

Lin Zhiyuan simply didn't go around the bend, and said it directly.

Ning Yan naturally didn't go around in circles, and said directly: "Loan 500 million." ”

"Use Tianyuan Finance's property and so on as collateral. ”

Ning Yan would not use his own name to take out a loan, it had to be in the name of the company.

"Good. ”

Lin Zhiyuan didn't hesitate at all, and said directly.

"Mr. Ning sent someone to our branch on Monday, and I will handle it for you, and the money will arrive on Monday morning." ”

In fact, if there is no external pressure, Tianyuan Finance's qualification loan of 500 million yuan is the same.

That's why Lin Zhiyuan is so happy.

Of course, the decisive factor in this is the phone call just now.

After a brief negotiation, Ning Yan said goodbye and left: "Lin Xing, there is a chance to see you again." ”

: I just remembered it, and I wrote it casually, and I was a little emotional......

======

Broken bowls.

PS: It's too late today, I don't know why this chapter was written quite slowly, it took four hours from the beginning to the end......