Volume 2 Stirring Years Chapter 64 Foreseeing Refinancing

A lot of things were waiting to be dealt with in front of him, Zeng Hao spared his head and said to Wei Ronghao: "Old Wei, you will continue to deal with external public relations and coordinate the personnel of other subsidiaries to help the full-time side to suppress this matter first." Let these new assistant managers move too. ”

After listening to this, Wei Ronghao replied: "Boss, I think so, Manager Hu is responsible for coordinating the subsidiaries, Manager Quan is responsible for public relations, Manager Tang is responsible for logistics coordination, Zhanpeng is investigating the beginning and end of this incident, and I am deploying in the bureau, and the boss has you to preside over the overall situation." ”

Zeng Hao thought about it, nodded in agreement with Wei Ronghao's arrangement, and said: "The company still needs you to preside over the overall situation, and my side will mainly focus on public relations on the government's side, so don't expect me to preside over the overall situation, it's no problem to wave the flag for you." ”

Wei Ziming hurriedly said: "Boss, you just press the formation, you are steadfast in our hearts." ”

Wei Ronghao also said: "The government side is the key, boss, you are busy with you, I am staring at the company's side, if there is anything to notify you in time, I think that after this incident, the people should come to their senses, and there will be no more smashing incidents like today." ”

..........

The three of them chatted until late at night, and they were not in the mood to go home, and they each dealt with things in their offices for a night. The next morning, the three of them got up and began to deal with the things assigned to them.

Zeng Hao first went to the government to meet Lei Ming, reported the incident and then drove to the Rongcheng branch of the People's Bank of China, and was introduced into the VIP room after reporting his home, and after waiting for a while, the manager was found by the staff.

After the two sides greeted each other and took their seats, Zeng Hao still had many things waiting for him to deal with, and now he went straight to the point and said: "Manager Chang, I have something to say directly, I hope you don't be surprised, I want to borrow money from your bank today, I hope you, the God of Wealth, can make it convenient." ”

Chang Xuanbang asked half-knowing and half-surprised: "Mr. Zeng, how much are you going to borrow this time?" Tell me to take the liberty of asking, didn't Mr. Zeng always choose to take out a loan from a local bank in Rongcheng? Why did you choose our bank to handle business this time?"

For every industry insider, there is no secret in the industry, there is a secret, and the truth will be revealed after a long time, for Zeng Hao has always chosen the local bank in Rongcheng to handle the deposit and loan business, Chang Xuanbang has also heard a little, and now I heard Zeng Hao say that this time I came to handle the loan, and I will be a little surprised for a while.

The other half knew that he had just learned from the staff, and Zeng Hao directly asked to see him by name after entering the door to report his home. Coming to the bank during working hours is definitely not about eating and drinking, there is only the possibility of handling business, and now after hearing the loan for the first time, I am not too surprised.

After listening to Chang Xuanbang's questioning, Zeng Hao explained: "After all, Rongcheng Bank is a regional bank, and now the scope and business of Chiding Company are no longer limited to one city and one place, so for the choice of banks, the five major banks like the bank are the priority objects of Chiding in the future." ”

Chang Xuanbang added a little joy to his face when he heard this, who doesn't like to hear this kind of praise, although it is a fact, but it depends on who says this, like Zeng Hao, a leader who controls the diversified group, even the people in the head office may not be able to collapse the expression on their faces when they hear it.

After listening, he asked Zeng Hao: "How much is Mr. Zeng going to borrow this time, and in what way?"

Zeng Hao stretched out a hand without hesitation, and after a few strokes of the five-finger spread in the void, he put down his hand and said: "Manager Chang, I came here this time to prepare for a loan, you also know that if my company is the first choice for a loan, Rongcheng Bank, to be honest, this is the first time I have handled loan business in a bank other than Rongcheng Bank, I don't know how your bank stipulates the loan time." ”

Zeng Hao had no doubts about whether he could get a loan, his main concern was the time of the loan, Chi Ding, who was in a hurry to use the money, if he was stuck in the bank after the loan, they were stuck for a long time and did not make the loan, and only released the loan after the water passed three autumns, and it was useless to get it at that time.

After listening to Zeng Hao's words, Chang Xuanbang first asked uncertainly: "Mr. Zeng is ready to borrow 500 million?"

Zeng Hao said: "That's right, it's 500 million, and I will take out the corresponding price of the item as collateral." ”

Chang Xuanbang hurriedly explained: "The bank's regulations are that after the collateral items in the mortgage loan are submitted to the bank, the bank will find an appraisal company to come to appraise, and after getting the appraisal report, the loan amount will be decided according to the reference value on the appraisal report. ”

After listening to this and thinking about it, he continued to Zeng Hao: "If Mr. Zeng is ready to borrow 500 million, if there is no problem with the collateral, it will take about a month to two months to go down according to the process." ”

Zeng Hao frowned and asked uncertainly, "President Chang, how long does it take for a set of processes to come down?"

Chang Xuanbang explained with a smile: "Mr. Zeng, maybe you have been handling business in a local bank and don't know about this matter, the process I just explained to other people come over, it takes two to three months to get down, for Mr. Zeng, because you are our potential high-quality customers, I have tried my best to compress your time." ”

Zeng Hao is really not very clear about this aspect of the matter, when the company handles the loan business, Zeng Hao only needs to go out to talk about the general direction, and the rest of the details Zeng Hao is directly handed over to Zhao Minjie to deal with, a few times down is already a habit, originally wanted to go out today to let Zhao Minjie accompani, but she has been dealing with the matter of refund funds, there is really no time to leave, Zeng Hao came alone, and blamed Zeng Hao for coming directly after a whim out of the government office building, and now there is no one around him to discuss.

Chang Xuanbang saw that Zeng Hao pondered and did not answer him after listening, and Chang Xuanbang was not in a hurry, leaving Zeng Hao a little time to think.

After a while, Zeng Hao frowned and asked, "Manager Chang, can't you compress the loan time anymore?" One or two months is indeed too slow. "I was short of money, if I waited for a month or two, I really didn't want to catch up with any dish when the money came down, Zeng Hao was also entangled at this time, whether to take a loan here, or go to Rongcheng Bank.

Seeing Zeng Hao's expression, Chang Xuanbang knew that there were still many entanglements about the loan time, so he thought about it and said to Zeng Hao generously: "Mr. Zeng is like this, I am working hard to compress it for you to deal with it in about a month, but you have to decide as soon as possible, what do you think?"

For such a condition of about a month, Zeng Hao still felt that he was still not as good as he wanted, and in Zeng Hao's imagination, he would have to release the loan in half a month at most, and sighed secretly and said to Chang Xuanbang: "Manager Chang, I'll go back and think about it, and then I'll bother you when there is a result." ”

Chang Xuanbang said: "Okay, Mr. Zeng, you go back and think about it, if you feel that the conditions are satisfied, you can call me directly." After speaking, he took out a business card from his pocket and handed it to Zeng Hao. Zeng Hao took it and said, "Okay, when I think about it, I'll call you." ”

When it comes to this matter, it can be regarded as the end of the conversation, Zeng Hao stood up and said goodbye to Chang Xuanbang, after the two of them exchanged a few more polite words, Zeng Hao walked out of the room, and Chang Xuanbang sent it to the door and watched Zeng Hao leave before turning around and returning to his office.

Zeng Hao, who was in the car, felt that he would go to other banks to talk about it now because he didn't understand, and he couldn't talk about things that were too in-depth, so he drove directly to the company.

When I came to the company, I was greeted by a scene that Chiding had not appeared for a long time, and the people who came in and out of the company's gate were in a hurry, and it seemed that the whole Chiding was turned by load.

Zeng Hao took the elevator to the top floor, and now with the company's vice president being recruited and settled in the top floor office, now the entire top floor has long since ceased to be a deserted scene, and everyone in a hurry saw Zeng Hao hurriedly stopped, and shouted to Zeng Hao: "Hello boss." ”

Zeng Hao said hello all the way into his office, and after the secretary Han Miaomiao brought coffee, Zeng Hao instructed her to call Sister Zhao Min over, and Zeng Hao picked up the pen and browsed through a large pile of documents on the table.

When Zhao Minjie finished dealing with the matter at hand and rushed over, Zeng Hao had already processed more than a dozen documents, and when he saw Zhao Minjie coming, Zeng Hao beckoned her to sit down, and after getting the document in his hand that was being approved, Zeng Hao closed the document, put down the pen in his hand, pinched the bridge of his nose, and greeted Zhao Minjie.

Calling Sister Zhao Min over, Zeng Hao mainly has two things to understand, one is to exchange money to deal with the refund over time, and the other is to ask about going to the bank to do a mortgage, the process, the time of the loan, pay attention to the problem, etc.

Zeng Hao asked directly, and after Zeng Hao threw out the questions one by one, Sister Zhao Min reported and explained them one by one.

It took an hour to explain these things to Zeng Hao one by one, which took more than ten minutes to report the refund funds, and about forty minutes to explain the problems of bank loans. Simply understand and grasp this information, Zhao Minjie is also racking her brains while talking and thinking, for the little white who does not understand this aspect to counsel, Zhao Minjie is also ingenious through a large number of examples, through examples, so that Zeng Hao can understand and feel more intuitively, and then converted into knowledge and stored in his own brain.

The effect of this is that in about forty minutes, Zeng Hao's knowledge of bank loans has changed from a half-known knowledge to a half-bucket of water that he probably knows. As for the other half buckets of water, Zeng Hao can only make up for it through continuous practice at that time.

After understanding, Zeng Hao had a rough idea in his heart, so he sent Zhao Minjie out to do his own business, and after Zhao Minjie left, Zeng Hao rubbed his face a few times, and then picked up the pen in his hand to deal with the unfinished things on the table.

The morning was spent quietly in Zeng Hao's processing of documents.........