Chapter 502: Facing the Biggest Difficulty
"Wait. The man on the other end of the phone suddenly stood up from his position excitedly, and his voice seemed very excited.
Song Yanshu raised his eyebrows, feeling the unnatural nervousness coming from the other end of the phone, as if he cared very much about the call he had made.
Could it be that there is something wrong with this bank and they urgently need someone to help, and they can't find someone who can help and want to gamble on him?
Song Yanshu is very smart and understands the survival situation of some banks.
After all, it is very normal for many banks to squeeze into the development of some old and small banks.
Once there is a problem with the funds of those old banks, then it is fatal for them.
It's good to be able to hide it, but if you can't hide it, the news will spread, and there may even be a large number of people scrambling to get the money.
You must know that if this result is really caused, let alone whether you can withdraw so much money, then how much cash do you have to put in all bank branches?
How can the safety of so much cash be guaranteed?
There have been banks before that all depositors went crazy to withdraw money because of a rumor that the bank was about to fail.
Then the cash truck broke down on the road and the funds did not arrive in time, which caused even more panic, and 90% of the depositors went to withdraw the money.
Many depositors' money is not available in their financial management, although this time the bank did not default on any depositors' deposits.
In the end, because of this rumor, not many people were willing to save money, and as a result, it could not survive and collapsed.
"We can take out a billion, but I want to know, is it true that the Song family will not fall?" his voice trembled when he said this.
Song Yanshu could hear that he seemed to be really in trouble, and it could be said that he might have reached the point of desperation.
Otherwise, how could they pin their hopes on a company that other big banks would not dare to help?
"Do you think I'll tell you the truth?" Song Yanshu asked him.
He could have given the simplest answer, but he didn't.
Although he is not desperate now, he has also suffered a major blow, and for such a person, he is a little interested in helping, so he is tempting to see if he is worth helping.
"I believe in Mr. Song's personality, if Mr. Song takes one billion from us, and guarantees us that the Song family will never go out of business, I believe that Mr. Song will be able to rely on his own strength to revitalize the Song family, and will not miss us a penny of principal and interest. ”
The man had been trembling a little before he spoke, but he seemed much calmer when he said this.
"Do you know how much assets I have in my private life?"
"If the Song family is not controlled by me and ends up bankrupt, how much do you think your bank can recover from the loss from my name?"
Song Yanshu continued to ask him.
The president on the other end of the line was silent for several seconds.
"We have no way back, because of the regulations of the executives above, we have started to strictly control the approval of credit cards and loans. ”
"Now there are rumors that there are rumors that there is a problem with our bank's funds, so we have tightened the approval of this area. ”
"Even if we wanted to explain, we didn't know how to explain it to prove that there was no problem with our financial resources. ”
The president said helplessly.
Song Yanshu understood that the president wanted to lend money to prove that there was no problem with the bank's capital chain, but he didn't dare to approve it casually.
After all, it is most undesirable to be pinched by rumors of others, and banks do not know how many bad debts they have every year, and they cannot relax the threshold for loans because of some rumors.
If they can now put a sum of money out to prove their financial resources, and the account is not easy to become a bad debt, then they can save it.
It's just that the Song family can't protect themselves now, and if they release this account, the president doesn't know if it will cause panic among depositors about the funds they have stored in the bank.
If someone takes advantage of Song's current insecurity, the money may all become a bubble to speculate, and it will be very easy to trigger depositors to frantically withdraw money, and their bank will face the biggest difficulties in an instant.
But Song Yanshu also knows very well that this kind of thing will happen sooner or later.
Although the bank does not withdraw as much money as the banks that had an accident at the beginning, the amount of money withdrawn every day must be dozens of times more than in the past.
Rumors arose, and it was impossible not to hurt.
During this period, there are fewer and fewer people who deposit money and more people withdraw money, and if this situation continues, the damage to the bank will not be less than the sudden outbreak of a large number of depositors withdrawing money.
That's why the president wants to seize the opportunity of his Song Yanshu's fall and wants to gamble.
If they can help the Song family when they are in danger, it is not good that the Song family will survive again this time as before.
Then the Song clan will definitely give them more opportunities, and they can be regarded as salted fish turning over, and the pressure will be less.
However, if the Song clan falls this time, then they will really be dead.
I really don't know if the president hasn't considered how much private money he has enough money for their bank to recover the debt.
In this world, there are not many people who can make a comeback after failure, and it is possible to fail once, and he Song Yanshu will never be able to repay the money?
Does this president really dare to make a proposition and gamble on this?
"Well, since you said that you can decide whether to approve the billions of dollars for us because of my words, then I will tell you clearly. ”
"It is impossible for the Song family to fall, your principal and interest will not be delayed for a day, and not a single point will be missing. ”
After Song Yanshu said this, he waited for the president's reaction.
He gave him the opportunity, and whether the president can seize this opportunity to turn over depends on his courage.
The president listened to Song Yanshu's determined voice, gritted his teeth and slapped the table.
"Okay, just to Mr. Song, I will transfer this billion to you. ”
Song Yanshu received this reply, the corners of his lips hooked a touch of arc, and while he felt that this bank leader was interesting, he also put down a big stone in his heart.
"It was a pleasure to work with. ”
Song Yanshu did not hang up the phone after saying this, but continued.
"In addition, I want a billion in cash. ”
"Whatever you do, I'm going to see this billion dollars in cash arrive in my company lobby today, and I'm going to need to have ten bulletproof glass cabinets and gun-to-gun security to protect those funds. ”
The president originally thought that Song Yanshu opened his mouth to ask him to directly transfer one billion yuan to Song Yanshu's company to avoid the company's project being suspended due to financial problems.
Song Yanshu asked for cash, and he transported the cash directly to the company hall, and he was stunned.
Unless Song Yanshu's company is not bad at all, otherwise, one billion, why would he use it as a decoration and put it in the hall?
The president thought about it, and his face, which was originally a little solemn because of the impulsive decision, was relieved at once.
If Song Yanshu only wants these billion towns, and he also needs someone to guard and protect the money, it means that the billion loans from their bank to the Song family cannot evaporate.
As long as the person who arranges the bank is responsible for protecting the safety of the funds, then even if the Song family goes bankrupt, they can recover the funds at any time, at most, they can't get back the interest.
And if the Song family survives, it can still make Song Yanshu remember that he helped this time.
Isn't this a profitable deal?
The president really didn't know what other banks thought, so he refused Song Yanshu's request.
And at the beginning, the president of the bank that Song Yanshu contacted was also at this time, and he realized that he had done something stupid, and wanted to call Song Yanshu back to change his words!
However, Song Yanshu had already blocked his number, and every time he called, he was on the phone.
"Yes. The president immediately said after understanding the pros and cons.
"But it may take a little time for such a large amount of money to be transferred, why do you have to wait for about two or three o'clock in the afternoon, I don't know if this is okay?"
Song Yan was gracious, which was regarded as answering his question, and then added a sentence.
"About half an hour. Song Yanshu spoke.
The president was puzzled: "About half an hour, what's wrong?"
"My lawyer will bring a few of my real estate deeds and come over for the mortgage process, and you will treat the money as if it was mortgaged to me, and the interest rate can be a little higher than the normal percentage, as a blessing for you to help me raise so much cash. ”
When the president agreed, Song Yanshu didn't plan to test the president again.
There is no need to let this governor be frightened day by day, the process that should be taken, or let him go, so that there is an explanation for the depositors above.
When the president heard Song Yanshu say that he wanted to mortgage the house, he wanted to say that it was not necessary.
After all, even if Song Yanshu is rich, can a few houses still be worth a billion yuan?
As long as he finds someone to take care of the cash and doesn't give Song Yanshu a chance to transfer it out, he is not afraid that the money will not be recovered.
So after thinking about it, the president said euphemistically: "Mr. Song, there is no need for the mortgage of the house, it can be seen that you have withdrawn this fund just to put it in the company's town, and it will not be long before the money will be returned to our bank intact, right, so you don't have to go through the mortgage process." ”
Song Yanshu replied: "You are very smart, but we are not sure how long this money needs to be put in the Song family, and I am not sure if it will be used for other purposes, and the process that should be followed is still a walk." ”
"There's nothing else to do, you arrange for someone to ship the money to me as soon as possible, that's all. ”
After Song Yanshu finished speaking, he didn't wait for the other side to say anything, and hung up directly.
The president sighed helplessly, and immediately went out of the office, preparing to greet Song Yanshu's lawyer at the door.
People have to mortgage the house, and he can't help but do it.
In less than 20 minutes, Song Yanshu's lawyer came with five real estate certificates.
The president personally led the person to his office to go through the mortgage procedure.