Chapter 159: Send an umbrella on a sunny day, collect an umbrella on a rainy day

A joint clean-up has eliminated many pornography, gambling and drug businesses in Chinatown.

Trouble ensued, and a group of Southeast Asian forces took the opportunity to seize the territory, for which a group fight broke out, and three unlucky people lay in the morgue.

Han Chudong didn't dare to go there recently, and he was so busy that he worked overtime all day.

During the joint operation, more than 400 people were arrested, and the paper documents alone were piled up, including many bigwigs with heads and faces in Chinatown.

Afraid of getting into trouble, Moonlight Rabbit was given up and found a higher-grade disco again.

Tonight, with Mochizuki Kiko, in this song and dance hall called "Legend", I met with Zhou Nan and Zhao Dajun.

There is a saying in the banking industry that it is called giving an umbrella on a sunny day and receiving an umbrella on a rainy day.

It means that when a company's performance is good, the bank begs to send money to the door and ask them to take out a loan, but when there is a real predicament and needs capital turnover, the bank will jump out in a hurry and take away the funds lent to the enterprise, which becomes the last straw that completely crushes some companies.

Han Chudong encountered the matter of sending an umbrella on a sunny day.

Not long after I sat down in the cabaret, a Jew approached me and introduced himself: "Mason Han, I'm Alan Hoffman, the head of finance at the Los Angeles branch of the First Bank. ”

"Hello. ”

Slightly confused, I couldn't understand how the people in the bank could find themselves here, after Han Chudong shook hands with the other party, he said with a smile: "I didn't expect me to be so famous, I can be recognized by you here." ”

"Haha! I happened to be drinking with a friend over there, and I bumped into you unexpectedly, so I came over to see if there was anything I could work with, and your name was at the top of the list of potential customers, and I remembered it. Alan Hoffman pointed to his head and said.

First Quanye Bank is relatively large, and was formed by the merger of First Bank and Yueben Quanye Bank in the past few years, and mainly provides financing and transaction services for Asian Americans in the greater Los Angeles area.

Ordinary people may not know Han Chudong's name, but the bank's information channels are relatively extensive, and there are also Chinese employees under it, and they will count the list of potential high-quality customers.

If it weren't for the unexpected encounter tonight, the salesman of the first Quanye Bank would also try to send someone to contact Han Chudong's company to ask if he needed a loan, and the bank is currently competing for the title of the best branch in North America and needs to complete the loan quota in the first quarter of this year.

Banks mainly rely on loans to enterprises and individuals to make money, and the financing and lending department is under great pressure, and the recent loan interest rate is too high, and it is difficult to find high-quality customers.

This kind of thing can only be encountered after reaching a certain status, and ordinary people will only encounter small bank workers who sell credit cards and housing loans.

Han Chudong thought that his loan from the Bank of America was known to others, and the customer list was leaked out because of commercial espionage, and asked: "Do you want me to borrow from your bank, right, I will launch a new product recently, and I just lack money to do promotion, I can talk about it in detail when I have time." ”

Mr. Alan Hoffman's eyes lit up, "How much do you need?"

"It depends on how much you're willing to lend me, my business is in a period of rapid development, I need capital to expand, even if it's less than three million dollars, I can borrow from Bank of America at any time. Panasonic Battery is trying to buy my battery patent for more than $10 million, but it hasn't been negotiated yet, and I have assets to use as collateral. ”

Lack of money and assets to pledge, in the eyes of the bank's financing and lending department, this is a good customer to try to reach.

He took out a business card, handed it to Han Chudong and said, "Then when it is time to work, I will personally visit you in your company, okay? ”

made an OK gesture, and without waiting for Han Chudong to take out his business card, Kiko Mochizuki handed the business card of the little boss to Alan Hoffman.

She was dressed casually tonight in a black shirt and a pair of jeans, after all, it was off-duty time.

As soon as the Jew left, Zhao Dajun couldn't wait to speak: "You kid is terrible now, and if you say anything less than three million US dollars, forget it, three million, not 30,000 yuan! People must think that you are unreliable." ”

"You know, it's the banks that are begging me now to make money from me. Han Chudong's expression was calm.

With the shares of Mango Company as collateral, he borrowed $4 million from Bank of America, and if he took out other companies and patented technology as collateral, he could continue to borrow money, but then the debt ratio would be high.

Not long after starting business, he was too cautious and cautious, and still believed that by making banks creditors, they would have the right to dictate and easily interfere in the internal decision-making of enterprises.

Whether it was Dajun or Zhou Nan, they all felt that Han Chudong had now soared into the sky, and he was at a different level from himself, so he quietly skipped this topic, so as not to find abuse by himself.

A few glasses of wine went down.

Zhou Nan asked Han Chudong and said: "Is there a house for sale in your family, I have earned a lot thanks to you, and I want to change the house." ”

"That's pretty much it, first take out the money and invest it, and change to a smaller house to live in temporarily. It is not easy to accumulate start-up capital, and how much the house can appreciate in value, is the most important thing for the two of you to invest and make money at present. ”

There is no need to pit friends, Han Chudong told them the truth, and added: "Also, it is estimated that the agency of the mask cannot be given, and the agency model will not be used this time." I will refund you the agency fee I gave last time, and I will help you think about where to invest, and the business you can do is everywhere, and it will definitely not be less. ”

It's not that you can't give it if you let the two of you act as an agent, it's hard to guarantee that the other agents of Mango Toys won't have an opinion.

Because of Han Chudong, the two of them had already earned a lot of money, and they didn't say much when they heard this.

If it weren't for his help, Zhou Nan would probably still be doing hard work on the assembly line, and Zhao Dajun would also be a security guard at the door of the warehouse.

"Listen to you for this kind of thing, there is no need to ask me and Zhou Nan, don't refund us the agency fee, if you dare to burn it on the spot." ”

Zhao Dajun raised his glass and continued: "But the toys don't cost much, I really want you to help me think of a way to see where I can make money by investing." With the two of us in our heads, we can only think of depositing in the bank to eat interest, but because of ...... The tax matter can't even be deposited in the bank, and such a large amount of money will definitely be found by the tax bureau when it enters the account. ”

The latter sentence is said in Chinese and comes with encryption.

He can trust Han Chudong, saying that he and Zhou Nan hid a large amount of unpaid cash, but Mochizuki Kiko was also present, and it was not good for outsiders to know about it.

Han Chudong also said in Chinese: "In the future, it is better to be honest in business, pay taxes obediently, if you have more money, you will definitely show your feet, there is no need to toss yourself into prison." ”

Beside.

Zhou Nan was asking Kiko Mochizuki, who was sitting opposite him, and asked her with a smile: "What is the relationship between you and my friend, haven't you seen him bring out any girl before, and he is in love?"

Kiko Mochizuki's face gradually began to get hot, the light was dark, and she couldn't see it, and finally realized that she shouldn't come to this kind of occasion.

It's one thing to get in touch with work at work, and going out to drink with a small boss after work is not equivalent to telling others that the relationship is not ordinary.

Just as she was about to answer, Han Chudong, who was sitting next to her, said, "Yes, it's beautiful......"