Chapter 30 Borrowing

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The agreement with the coal plant was signed sooner than Populus euphratica expected.

Liao Guoqiang got the restructuring plan, completed all the formalities within a week, and then officially signed a contract with Huijia Industrial on behalf of the coal yard.

The office of the new company, Yibaijia (chain) Co., Ltd., is temporarily located in an old bungalow in the central coal yard.

From the registration of the company to the change of land property rights, it was completed by Li Hao and Liao Guoqiang.

On Huijia Industrial's account, there was only 30,000 yuan from Hu Yang, but later Li Hao gave 20,000 yuan and Wu Maosheng gave 10,000 yuan, which made up a total of 60,000 yuan.

After deducting the rent of the office on Education Street and the start-up fees of the two companies, the remaining money in the account is only 50,000 yuan.

"Uncle, I talked to people about the arrears of water and electricity bills in the coal yard before. People said that they could not charge late fees, as long as the principal was fine. Pay this 50,000 yuan in arrears, and we won't have a penny left. ”

Hu Yang looked at Li Hao very seriously, and continued: "It seems that we have to go to the bank for a loan according to what we discussed before." ”

When Li Hao heard this, he patted his thigh: "I said it a long time ago, how can there be no loan in business these years? Don't worry, I will make an appointment with Director Xu right away, and I will talk to him about the loan tonight." ”

Director Xu is the director of the savings bank, and he does not have the right to lend to the enterprise. But it's better for him to introduce someone from the credit department than to go to the door himself.

The last time they had dinner together, Hu Yang and Li Hao heard Director Xu mention it, saying that he was not as good as his wife, and his wife was the head of the credit department of the branch.

Li Hao went to run for a loan, and Wu Maosheng followed Hu Yang to Liudaowan Coal Payment.

According to the agreement, after Huijia Industrial merged the coal yard, all debts were also borne by it. Therefore, Hu Yang approached the Coal Mine Sales Department, hoping to re-sign a debt repayment agreement, promising to pay off the arrears of 230,000 yuan by New Year's Day in '94.

However, the head of the sales section of the coal mine did not agree, and he had to repay the money within a month, otherwise he would say a lot about it.

"Yang Yang, I know their Mine Chief Qin, and Mine Chief Qin went to my house last month. Wu Maosheng, who hadn't spoken much, pulled Hu Yang outside and whispered. "You and I should go and find Mine Chief Qin. ”

In fact, this arrears repayment agreement is also a good thing for coal mines. Otherwise, the arrears of the coal yard will not be repaid until the Year of the Monkey.

The head of the sales department didn't want to make trouble for himself, and now that he signed this agreement, if the other party didn't pay it back when it expired, he would have to bear the responsibility.

found the office of the Qin mine manager, and when they heard that it was Wu Di's son-in-law, they politely received Wu Maosheng and Hu Yang.

After listening to the demands of the two, Mine Chief Qin almost did not hesitate, and directly called the sales section chief and asked him to sign the repayment agreement of Hu Yang.

With the instructions of the leader, the sales section chief promised to do it immediately.

"Xiao Wu, go back and take me to say hello to the Secretary-General. I'll go see him when it's convenient for him. ”

Mine Chief Qin kept sending the two out of the office, very polite.

Hu Yang and Wu Maosheng returned to the sales department again, and the face of the sales section chief became much better. "Look at it, this is a trouble! The mine manager is right in criticizing, should we support the restructuring work of the fraternal units......

This time, there was no more trouble, and the sales section chief happily signed a new repayment agreement with Huijia Industrial.

The arrears of the coal mine lasted for another half a year.

.....

Inviting Director Xu to dinner in the evening, Li Hao was quite moved.

Director Xu's ancestral home is Sichuan Province, and Li Hao specially booked a private room in "Shuxiang Building". I also heard that Director Xu's daughter-in-law likes to drink red wine, so he went to several places to buy a bottle of Changyu Cabernet.

For this meal, Li Hao, Hu Yang and Director Xu were the two of them, and no one else was called.

"Brother Li, Xiaohu. Thank you very much for your hospitality today, and we have the opportunity to come and go often. It just so happens that my daughter-in-law is here today, and if you want a loan, you can ask her. ”

The banquet was coming to an end, and the guests and hosts were happy. Director Xu wasted no time in taking the initiative to provoke the topic.

"Section Chief Cai, this is our project plan, which is the supporting document of the six plots of land owned by the company......"

Li Hao took out the materials that had been prepared long ago from his bag and handed them to Director Xu's daughter-in-law, that is, Section Chief Cai of the credit department of the branch.

"Well, I'll take a few glances, and then you can give us a verbal introduction to the company's background. ”

Section Chief Cai took the information with a smile, flipped through it casually, and asked Li Hao to explain it in detail.

Li Hao looked at Hu Yang, Hu Yang smiled and said, "I'll talk about it first......

Immediately, he talked about the background of Huijia Industrial, the successful acquisition of coal plants, and the main line of preparing to become a community supermarket chain in the future.

"Well, the idea is good, and the background of the company is clean. The only problem is that you don't have any assets, and the little land you have is invested in new projects...... I wonder how much you're going to borrow?"

Section Chief Cai was noncommittal, and asked further.

"We intend to borrow $1 million for a one-year period. For the time being, the company has no collateral, but the company that guarantees it does. ”

Li Hao took over the conversation and began to chat with Section Chief Cai.

Hu Yang turned his head to look at Director Xu and said with a smile: "Last time, thanks to Director Xu's help, we were able to buy the subscription lottery form. Now that the lottery forms have been replaced with subscription warrants, I will bring four of them with me today to give you as a souvenir. ”

Before coming to dinner today, Hu Yang thought about it again and again, and thought it would be good to give something to others. Money is not suitable, and tobacco and alcohol are too vulgar, so it is better to send a few warrants after thinking about it.

Fortunately, the number was not large, but he kept ten at home, so he didn't have to go to the bank safe deposit box to pick it up.

The price of call warrants rises and falls in the outside trading market, and it is spontaneously formed by the people, and it is difficult to define its value. To put it bluntly, ten lottery forms must win a subscription warrant, then the legal price of a subscription warrant is 100 yuan.

Director Xu picked it up and subscribed for it, and said with a smile: "How many people have gone crazy with this small piece of paper." I heard that the trading price of each call warrant is about 1,000 yuan outside, and it is equivalent to 4,000 yuan as soon as you make a move, okay?"

Hu Yang said with a smile: "Director Xu, what are you talking about? The subscription warrant in my hand is not signed from the lottery form that you bought with your savings...... Others don't know, don't you know? The cost of this thing adds up to 100 yuan a piece, and it's not worth anything. It's just to give you a few and go back and buy some original shares to play. ”

Director Xu smiled at this time, "Yes, according to what you say, I will keep these four subscription warrants." When Xijiang Hongyuan goes public, I will also try my luck by buying 2,000 original shares. ”

One warrant can buy 500 shares, and four warrants are exactly 2,000 shares.

After listening to Li Hao's introduction to the situation, Section Chief Cai pondered for a moment and said: "It is not impossible to use Yibaijia chain to guarantee Huijia Industrial, and it is also the norm for affiliated enterprises to guarantee each other. However, your company's book assets are a bit insufficient.

I also heard Lao Xu say that the two of them had a large number of subscription warrants hoarded in their hands, and their solvency was no problem, so I agreed to come to this meal. Personally, I am inclined to agree with the loan, so let's have a meeting in Corey to discuss it and give you an answer as soon as possible. ”

Section Chief Cai is telling the truth, if it was a leather bag company, she would definitely not be able to come today.