After entering the elevator, Huo Lang learned that the people who went there were not only him and Shen Wenrui, but also a colleague from the financing team, who was responsible for the loan review of the customer who had an accident.

On the way to the Qianjiang branch, Shen Wenrui told Huo Lang in detail about the situation.

This customer's name is Aoqi Import and Export Co., Ltd., which is mainly engaged in plush toys. In the past few years, the toys produced were only for export, but in the past two years, they have also begun to be sold in the domestic market. Although Aoqi is a small customer, because it has established stable sales channels with foreign countries, its business volume has been very stable, and its cooperation with CEFC is also very close. It's just that at the beginning of the year, China and the United States started a trade war, which had a great impact on the exports of domestic enterprises, especially small enterprises like Aoqi, overseas orders have decreased a lot, and life has suddenly become sad, and the demand for funds is more urgent.

Two weeks ago, Aoqi submitted a loan application to CEFC, because it is an old customer, the situation is relatively well-understood, and the review process is going smoothly. Originally, the loan was going to be released today, that is to say, by this afternoon at the latest, Ao Qi would be able to get the loan money, but I don't know what happened, the Qianjiang branch urgently asked to stop the loan process.

Although the matter is urgent, the money has not been released, and the worst case is to cancel the loan, which will not affect anything, so several people are very relaxed, and the conversation and laughter along the way are very lively. Huo Lang was brought in temporarily, and he had never been exposed to anything like loan review, and he was always in a state of confusion, and of course he couldn't interject, just listened.

When I arrived at the Qianjiang Branch, because it was the branch that someone came to review, Zhou Tianming, the president of the Qianjiang Branch, personally picked up everyone and led them to Aoqi, introducing the situation by the way on the way.

It turned out that this time it was not a crisis in Aoqi's business situation, nor that something went wrong with Aoqi's boss Jiang Yun, but the boss's husband, Zhang Wei, who caused trouble outside.

In Zhou Tianming's words, Zhang Wei is a person who relies on his wife to "eat soft rice", but he is still restless, relying on his wife to make money, eating, drinking, prostituting and gambling outside, and doing everything. It turned out that it was okay, Jiang Yun had been guarding against him, controlling the amount of money given to him, and finally there was no big incident. But since the beginning of this year, Zhang Wei has become more and more bold, and his gambling has become bigger and bigger, and he has no money to repay, so he said to the outside world that he wants to use the company to pay off his debts.

So since the day before yesterday, creditors have come to the door and asked Jiang Yun to help Zhang Wei repay the debt, and if he didn't pay it, he shouted that he wanted to go into the factory to grab something. Although it was just talking, no one dared to really go up to rob it, but when the banks got the news, they still didn't feel at ease, for fear that Ao Qi would not be able to continue his business and the capital chain would be broken, and he was afraid that Jiang Yun would take the loan to repay the debts outside, so they all asked him to repay the loan in advance. This year's situation is not good, coupled with the withdrawal of bank funds, under such internal and external difficulties, Aoqi does not even have enough funds to maintain daily operations, and is almost closed.

Zhou Tianming said, while having palpitations: "Fortunately, our bank's loan has not been released yet, if it is released, I am afraid that I should worry about how to recover it at this time." ”

Everyone understands his feelings. CEFC's head office is very strict in its assessment of non-performing loans, and if he releases a loan that cannot be recovered, he may not be stable as the president.

When I arrived at Aoqi, I saw a few people at the gate of the factory looking inside from the gate, and they should be the people who were hired to ask for debts. The security guards at the gate also looked listless, as long as those people did not enter the gate, they would not be driven away.

Zhou Tianming came to Qin, everyone knew him, and besides, he made an appointment, so he led everyone to see Jiang Yun all the way.

Although Jiang Yun is the boss, she doesn't have a trace of the boss now, her hair is tied back indiscriminately, her clothes are wrinkled, and there are heavy dark circles under her eyes, as if she hasn't rested for a few days.

Jiang Yun really hasn't slept for several days. Since the news of Zhang Wei's debt was released, she has met with people from several banks, all of whom have asked for withdrawal, so she is very tired. But when he saw Zhou Tianming, he still cheered up and said with a wry smile: "President Zhou, you also got the news?"

Zhou Tianming was a little unbearable, but he still had to say what he had to say: "Sister Jiang, this is a few colleagues from our branch, come here to understand the situation." ”

Jiang Yun listened, looked at Huo Lang, and pleaded: "Since you already know, I won't hide it, Ao Qi is very difficult now, but my person is President Zhou, and he will never borrow money but not pay it back." A while ago, orders from the U.S. side were drastically reduced, and we were hit hard, as you know. However, just two days ago, I signed a large order with a distributor in Europe, as long as the factory can operate normally, as soon as the goods are shipped to Europe, I will receive 2 million euros. You lent me money, and there is absolutely no problem in repaying it!"

As he spoke, he hurriedly took out a contract from a drawer and showed it to everyone.

Zhou Tianming glanced at it casually, put down the contract, and asked Jiang Yun again: "These are all easy to say, but Sister Jiang, how much does your husband owe outside?"

Jiang Yun was asked, her face flushed, and she couldn't help but say with shame: "It's not that I don't say it, it's really how much I owe now, and I haven't calculated it yet, so I can't ask for it if people come to the door and ask me to give it." There was no truth in his mouth. ”

Zhou Tianming frowned: "Sister Jiang, in your current situation, according to the regulations of our bank, you will definitely not be able to lend." ”

Jiang Yun was anxious: "President Zhou, you know me, and you are the most honest." In the past, I didn't owe money to the bank in the most difficult time, and there were workers in the factory, and I sang bran and paid everyone on time. Zhang Wei has to pay back the money he owes outside, but the company is still in charge of me, and I will never let him mess with the company's money and accounts. There is absolutely no problem with the European order this time, and they said that as long as the quality of the goods is good this time, they will sign a long order with me. You see, I'm really waiting for this money to start work now, and if you don't release the loan, I'm really desperate. ”

Zhou Tianming's responsibilities are no longer bearable, and he doesn't dare to make decisions without permission: "Sister Jiang, this matter is too big, even if I am willing, when it comes to the president of our branch, it will be rejected." If nothing else, just ask me if other banks have withdrawn their funds, why do you lend money? I can't answer. ”

Jiang Yun was even more anxious: "President Zhou, we have been cooperating for so long, others don't know me, can you still not know who I am?" Now my machines are waiting there, and the workers have promised me that they are willing to work for two months for nothing, and then receive wages when the payment for this batch of goods comes back." If you don't believe me, let's go to the factory now. The money I borrowed this time is indeed going to buy raw materials for starting, and I will never use it to pay off Zhang Wei's debts outside. ”

While speaking, he pulled Zhou Tianming and walked into the factory, and everyone had to follow.

When he arrived at the factory, Huo Lang looked around, and sure enough, he saw that the machines were neat and clean, but there was no work, there were no workers, only a girl in her early twenties, sitting on the side and picking something.

Huo Lang took advantage of the fact that everyone else was being led by Jiang Yun to look at the machine, and came to the girl's side alone, and asked in a low voice, "Is the production line here used to produce toys for export?"

The girl was a little timid when she saw the living person, first nodded, thought about it, and added: "Our production line is not divided into domestic and foreign countries, toys are produced together, but when the last step is labeled, the export is labeled with foreign languages, and the domestic sales are labeled with Chinese characters." ”

Huo Lang was slightly surprised. Although he doesn't know much about the toy industry, he also knows how strict the import inspection standards of Europe and the United States are for this kind of thing for children, and it is by no means an order of magnitude in China.

"The domestic sales are the same as the export ones, how high are your prices in the domestic market, and can you sell them?" asked Huo Lang.

"Of course you can!" Although the little girl was honest, she was still a little angry: "Our toys are selling well! Everyone says that our things are of good quality, but there are few supplies distributed to China in the past, and not many people know about it." Our boss said that we should pay more attention to the development of the domestic market in the future, and then no matter how big the changes in foreign countries are, we will not be afraid. ”

Huo Lang wanted to ask something more, but was stopped by Shen Wenrui: "Let's go." ”

He looked over and saw Jiang Yun bowing his head and not speaking, his mood was very low, he should have not persuaded Zhou Tianming and Shen Wenrui. Although he had some ideas, after all, it was the first time he came into contact with this kind of business, and he didn't dare to talk nonsense, so he had to follow everyone back in silence.

On the way to the branch, Huo Lang quietly asked Shen Wenrui: "Ao Qi's matter, if you want to release the loan, do you really want the president to nod?"

Shen Wenrui shook his head with a smile: "That's not necessary." However, in this case, if the loan application is reported, Mr. Mo will call back first, and Mr. Zeng doesn't even need to look at it. ”

"Can't Mr. Ling call the shots, why is Mr. Mo still involved? Didn't Mr. Ling let the two of us come?" Huo Lang was confused.

Shen Wenrui smiled: "You have been here for a short time, and you are not clear about our business process. Only the financing team can approve the loan, and our risk control team is only responsible for risk review, and the opinions put forward are only for the reference of the financing team, and they are the ones who really call the shots. Even Mr. Ling, limited by his duties, can only put forward reference opinions, not make decisions. ”

"Then if we insist that we can lend, will the financing team adopt our opinion?"

Shen Wenrui listened to his stupid question, and asked with a smile: "Why do we insist on lending? You have also seen today's situation, there are people who want debts outside the factory." Those people's ability to collect debts, you don't know, can drive people crazy. If the loan is really released, who knows if it will be used to pay off those debts first. Besides, Aoqi's boss said that there was a big order, but the so-called European dealers, after all, have never traded with new customers, and have never had business dealings with our bank, not even remittances, whether it is true or not, we have no way to judge. ”

Huo Lang listened, frowned and thought for a while: "I think it's true. Aoqi's boss looks like a reliable person, why is her husband a boring person?

"How do we know about other people's affairs. Shen Wenrui replied casually.

Huo Lang shut his mouth, simply took out his mobile phone from his pocket, slightly avoided Shen Wenrui's gaze, and began to look for Ao Qi's information on the search engine.

When the car entered the city, Huo Lang suddenly asked to stop: "Brother Shen, I suddenly felt a little uncomfortable, maybe I had been looking at my phone and getting motion sickness just now." Why don't you help me Xiang Ling take a half-day vacation, and I'll go back to work in the afternoon. ”

Huo Lang didn't have a fixed job in the first place, and he had been idle since the foreign exchange inspection, and Ling Yuyan didn't care much about him. Of course, Shen Wenrui agreed in one bite, and said that he would send him home first.

Huo Lang hurriedly refused: "I'm just motion sickness, and it will only be more uncomfortable to take the car again, so let's go back by myself, anyway, this place is not far from my house." ”

Shen Wenrui saw that he insisted, so he had to put him on the side of the road.

Huo Lang got out of the car, and when he saw that they were all far away, he beckoned a taxi and went back to Aoqi.