Chapter 336 - Finding Acquaintances for Loans (Fifth Update)
Giant companies in the Chinese food industry, such as "Fierce Bull", "Yili" and "Wah Gaga", naturally have the advantages of their large enterprises.
But [First Food], founded by Chen Hao, is also a wonderful leader in the same industry.
In addition to the initial creation of a few months of capital injection reached more than 20 billion, recruiting 3, 4,000 employees.
[First Food] also has several subsidiaries with super side business capabilities such as [First Fresh] and [First Wood] to transfuse blood.
Coupled with the three new varieties of apples that are about to be released and launched, Liu Qian believes that as long as she fulfills her potential in her position, she will definitely be able to witness the birth of a food giant.
This is her confidence in [First Food], and it is also the big cake that Chen Hao drew for her when he recruited Liu Qian.
Of course, the pie that Chen Hao drew at the beginning was not a blank check after the withdrawal period was issued for decades.
Just the company's operating funds, he has successively thrown nearly 2 billion into it.
As for the original plan set by [First Food], such as the development of Chen Village, 100 stores in 100 cities, large-scale recruitment of fruit farmers, truck drivers, etc., are also being realized one by one, and Liu Qian, as the CEO, will naturally not hold the company back.
As soon as she heard that the extra 2 billion advertising expenses were actually from Chen Hao's private vault, Liu Qian agreed to hold an advertising bidding meeting without saying a word.
She is still worried that the publicity of [First Food] is not enough!
With these 2 billion, not to mention smashing the advertising market in China, even the international market can make a lot of moves.
......
After confirming the relevant matters of the next advertising bidding meeting, the whole company began to operate efficiently.
Even the newly established subsidiary, First Biotechnology, has become extremely busy because of the emergence of three kinds of apple trees with rapid healing ability.
Stationed in the orchard, collecting samples, analyzing data, studying existing patent reports, and preparing materials to declare green, organic, pollution-free food products nationwide. It really made these new engineers who joined [First Biotechnology] very busy.
As for Chen Hao, who is in charge, after showing his face a few times in Anyue Mansion, he began to disappear again.
No way!
This has just boasted in front of the whole company that Haikou has paid 2 billion yuan to advertise, and the turtle naturally has to find a way to fill this capital hole.
It's just that because he was fooled by a legendary secretary for a while, the turtle had a hot brain and entrusted 1 billion funds to the account of the municipal government.
Now even if he mobilizes several of his bank cards, including all the funds including the company's account, it is only enough to make up 700 million.
Moreover, these 700 million yuan is still all the working capital of [First Food], and Chen Hao can't mobilize a penny.
So after thinking about it, Chen Hao, a turtle, planned to use his brains in terms of bank loans.
No way!
The previous wood catalysis and medicinal material catalysis have made him a lot of money in 2 months. It is equivalent to squeezing the monetization ability of [Mu Dun Chakra] in a short period of time.
At this time, if he took out batches of timber and high-vintage herbs to cash out, Chen Hao didn't dare to guarantee that no one would target him.
After all, the flow of funds in this bank is not open to the eyes of ordinary people.
But in the eyes of some people with channels, connections, and backgrounds, it is easy to investigate a batch of funding sources.
Coupled with the recent big move of [First Food] in Ruicheng, it has attracted the attention of many high-level circles in Ruicheng.
If Chen Hao uses the two bloodline abilities to quickly realize it at this time, it will inevitably arouse the suspicion of others.
As for finding a bank loan, it is almost a familiar thing for Chen Hao.
Have you forgotten that this kid came out of the bank before he made a fortune? Chen Hao naturally knows better than anyone else about the various businesses in the bank.
It's just that when he thinks of the old generation tradition that their old Chen family has always adhered to "spend as much money as you have in your hand", Chen Hao's heart became a little entangled.
"I can only rely on loans to make up 2 billion in a short period of time. ”
"However, this mortgage is not just about taking assets under your name. ”
"As long as it doesn't involve the sale of assets, it's not against the tradition of parenting. ”
Chen Hao comforted himself a few words, and then opened the address book on his mobile phone and contacted his former good colleague Zhou Yin.
After all, this loan business is also included in one of the assessment criteria for bank staff.
Although there are various job responsibilities within the bank, there are tellers and loan officers, and the loan officers are also divided into categories such as mortgages, mortgages, and credits.
However, as long as you get the relevant job license and get the terminal machine inside the bank, even the most ordinary teller can block a loan business for your name.
It's just that it's easy to lend out loans, and it's troublesome to collect loans!
Once the customer under his name breaks off his funds and defaults on repayment, the sudden rise in the risk control index will threaten the year-end assessment of bank staff.
If the risk control index explodes, you will be dismissed. If it is more serious, it will be suspended for collection, and if the salary is not paid during the collection period, it will also cause an internal investigation by the bank's legal department.
Once you are found to be suspected of loan fraud and falsification of customer loan qualifications, sorry, I will reward you with a pair of shiny silver bracelets, and by the way, I will send you a one-year trip to the prison with food and accommodation.
Therefore, most of the tellers in banks do not dare to get involved in the loan business easily.
Because in their opinion, selling funds and collecting savings every month is enough for them to receive a salary of more than 10,000 yuan and spend the rest of their lives in peace.
Why jump into the risky lending business?
As for those bank employees who are mainly engaged in the loan business, most of them also lend money to acquaintances.
Either a relative or friend introduces a customer who knows the roots, or a referral customer who comes to the door through a relationship, at least there is a guarantor when applying for a loan.
Like Chen Hao's former colleague Zhou Yin, he also has the qualifications to declare the loan business. It's just that Zhou Yin's loan business volume is small, and few people in the entire branch know about it.
The reason why Chen Hao knew was also because the other party had accidentally said a few words when guiding him.
So, after thinking about it for a while, Chen Hao still planned to hand over the 2 billion loan business to Zhou Yin to handle.
Because in Chen Hao's view, bank loans are the same anyway. With such a large amount of loans landed, it is estimated that the business commission alone is enough for the other party to receive a soft hand.
This favor is better for people who are close to and familiar with you.
It's just that as soon as he called Zhou Yin, before he could say a few words of greeting, Chen Hao's expression became a little strange.
"What?"
"You've quit Henyep?"
(End of chapter)