Chapter 97 Loans
The first legendary Internet café located in Haijin University and Nankai University, from the very beginning, was defined by Zhang Yi as a mother nest, and any position in the Internet café was a multiple backup, and he even appointed four store managers.
Every 6 hours of a cycle, a store manager is responsible for each cycle, as are the network administrators and ordinary waiters below, as well as technical support personnel.
For him, the financial foundation and hardware foundation for the expansion of the Internet café are fully possessed, and the only thing that is poor is the staff who can be responsible and have the business ability to get started quickly, and the first legendary Internet café has assumed such a responsibility. Quickly cloning everything and laying the most urgently needed personnel base for expansion.
A month later, the second and third opened in Haijin at the same time, one next to the School of Foreign Chinese Languages and the other next to the University of Finance and Economics and the University of Science and Technology.
And the extra set of team, he was directly sent to Shangjing, located in the Zhongguancun area, where Shangjing University is most concentrated, this Internet café was named the legendary Internet café flagship store by Zhang Yi, the scale far exceeds the first store in Haijin, the amount of investment exceeds 7 million, and it is also Zhang Yi's largest single investment so far.
The three stores opened almost at the same time, and they all used their own properties, which is an asset-heavy model, and the money is spent like water. Zhang Yi felt the pressure of funds for the first time, and it seemed that his previous idea of avoiding bank funds was about to change.
Bai Jie had previously proposed that he could use the first legendary Internet café as a loan to quickly obtain funds and then expand in the next step, but Zhang Yi used to be a technical nerd and was relatively resistant to bank loans. Besides, I was not short of money at that time, so it was not necessary to find a bank loan.
Through Bai Jie, Zhang Yi released the rumor of wanting a loan to the bank that had done deposit business in the previous company.
The bank immediately responded positively, and the president personally came forward and wanted to invite him to dinner and chat.
Zhang Yi happily agreed.
At a high-end seafood restaurant next to Haijin Water Park, Zhang Yi took Bai Jie and Zhang Shun, the director of Haijin Branch, to attend.
On the bank side, in addition to the president, the vice president in charge of credit and the head of the credit section also attended the dinner.
The bank group, at the door of the hotel, saw a Porsche stopped, the beautiful and mature Bai Jie stepped down from the co-pilot, and a BMW 5 Series behind also stopped.
In the driver's seat of Porsche, a young junior brother came down, and when the banker saw it, he understood that this might be the driver of a micro hard company! No wonder Bai Jie was reluctant to use the bank's car, after all, their company's car was several grades higher than the bank's car.
Above the BMW five series, there is a middle-aged man about 40 years old, who looks extraordinary.
looked at each other, and an expression appeared on their faces, it seems that this is the backstage boss of Micro Hard.
At this time, Bai Jie also saw the bank people who were waiting, walked a few steps quickly, and greeted the bank people skillfully.
The people at the bank raised their hands one after another, took a step forward, and were about to shake hands with Zhang Shun, when they suddenly found that Zhang Shun was obviously one position behind the driver they saw, as if he was a follower of the young driver.
This scenario made the people in the bank a little overwhelmed, you know, although the bank is an enterprise, but it is like an officialdom, with a clear hierarchy, and it will not happen at all, and the subordinates are in front of the leader, this kind of low-level mistake.
In a moment of astonishment, Bai Jie introduced to them that the young man in front of them, that is, the driver they thought was the company's boss Zhang Yi.
The middle-aged man behind is Zhang Shun, the manager of the Haijin branch.
Everyone put away their stunned expressions, and enthusiastically stepped forward to shake hands and say hello, that cordial, as if they had known old friends for many years, this kind of shallow and deep attitude made Zhang Yi, a technical nerd, really a little uncomfortable.
The bank's people praised Zhang Yi for his young and promising years, and Yushu was in the wind.
Ren Zhang Yi was reincarnated, and he couldn't stand this kind of praise, and an embarrassed expression appeared on his face.
It seems that it is difficult for banks to pull deposits, and it is even more difficult to lend money abroad.
In 1998, state-owned enterprises were accumulating and difficult to return, and no matter how many loans were thrown into the bottomless pit of state-owned enterprises, there was no bottom.
However, the scale of individual small enterprises is too small, and there is no countervailing material that can be used, so no one dares to lend to them.
There are many companies that need loans, but these companies have problems of one kind or another. Enterprises with good operating efficiency do not need loans. This is a dilemma.
However, although Bai Jie's micro-hardware software company belongs to the category of private enterprises, it belongs to the high-quality enterprises in their eyes.
Foreign exchange earnings, sesame blossoming is rising, domestic operations are in good condition, flow income is stable, the main business of the software CD-ROM part of the country, there are stable distribution channels in all major cities across the country, everywhere.
The online software mall has a unique business model and is currently the only one at home and abroad. Although the current revenue is not as good as offline discs, the potential for the future is huge.
Shuntong Logistics, relying on CD distribution channels, has basically completed the layout in major cities across the country.
As for the copyright issues involved in micro-hard discs, they have nothing to do with it, not to mention that the domestic law in this field is still blank.
After a full meal and wine, everyone chatted casually.
Bai Jie wanted to open her mouth several times to ask about the loan, but was stopped by Zhang Yi's eyes. The two who are already in love with each other are well aware of each other's habits and hints.
A bank group wants to wait for the other party to speak first in order to gain an advantageous position in the negotiation. found that Zhang Yi's young and excessive face on the opposite side looked like an old god was there, and the wind was light.
It is not possible to go on like this, it can be seen from the books that the other party is not short of money at all, not to mention, the most eye-catching is the staggering amount of dollars and yen, as well as the gradually increasing pounds and Deutsche marks.
At the signal of the president, the head of the credit section nodded helplessly, but he was complaining in his heart, M's, there were companies that wanted to take out loans before, and Lao Tzu, the head of the credit section, was considered a leader in charge, and he was very good, in addition to eating and wiping, it also depended on the mood. Now it's good, I've become the youngest cat, and I've been pushed out by the president and used as a pathfinding stone.
looked up at the young man in front of him, who was younger than his son, and his heart was even more stimulated to doubt life. M's, people are so small, they can make such a profitable business, and compared with him, he is a person in his 40s, who can be regarded as living to a dog.
"Boss Zhang, I heard Director Bai Jie say that your company wants to borrow a batch of money, I don't know how much you want to borrow?"
"Loan, did I say I wanted to take out a loan?" Zhang Yi turned his head to Bai Jie beside him and asked, his surprised expression overflowing.
Looking at his innocent expression, in Bai Jie's heart, 10,000 grass and mud horses roared by.
Her face was a little embarrassed, and everyone in the bank looked like a mirror in their hearts.
If just now, seeing that the other party's age was a little too young, everyone was still a little contemptuous. Now I can't help but be speechless for a while for Zhang Yi's superb acting skills.
It's true: life is like a play, it all depends on acting skills.
This is the case in the credit industry, a person who begs his grandfather to sue his grandmother wants to find a safe company to lend. However, this company has sufficient cash flow, and there is no desire to steel.
The final result is, of course, predictable.
Looking at the preliminary agreement, everyone in the bank walked in front of them with a depressed expression, and drove away, Zhang Yi's heart was crooked.