By the time Huo Lang returned to the Huaxin Building, it was almost time to get off work. When Ling Yuyan saw him, she only raised her head slightly, and asked casually, "Are you okay?"

Huo Lang closed the door of Ling Yuyan's office and said cautiously: "Mr. Ling, I want to talk to you." ”

Ling Yuyan's eyebrows raised: "What are you talking about?"

"Aoqi, I didn't come back with Shen Wenrui and them because I went back alone. ”

Ling Yuyan became serious now, put down the documents in his hand, and looked up at Huo Lang: "You sit, why do you go alone?"

"Did Shen Wenrui report to you?

"Yes," Ling Yuyan nodded: "With Ao Qi's current situation, divestment is the wisest choice. ”

"But I don't think so!" Huo Lang objected: "Ao Qi is just the boss's husband owes money outside, but its own business situation is normal, and it has just signed a big European order, and it will definitely be able to get up in the future, and there is no problem in repaying the loan." ”

Ling Yuyan was happy: "Did Jiang Yun tell you?" Although she didn't go with her today, she didn't sit idle, she called up all the files about Ao Qi stored in the bank and read them, and before Shen Wenrui reported, she had a general understanding of Ao Qi's situation, and of course she also knew the name of her boss.

"Yes, that's what she said. But the second time I went back, I didn't see her at all. ”

"And who did you meet?"

"The staff of Aoqi. ”

Because he had already been there once, the security guard at the gate knew that Huo Lang was from the bank, and thought that he was looking for Jiang Yun again, so he didn't dare to slack off, so he let him in without asking anything. Huo Lang went directly to the factory and chatted with the little girl he had met in the morning for a while.

The girl has been working for Aoqi for two years, and this time Aoqi encountered a crisis, and she and other employees were willing to work for two months without receiving wages first, and then receive the money when the payment from Europe came back. Mr. Ling, do you think that even if Jiang Yun can deceive us, she can still deceive the employees who are together every day? The European list must be true, and she can repay the loan! Also, Mr. Ling, do you know why Aoqi's employees are so righteous? Because Jiang Yun treats them like this! The usual salary is usual, and if you can't rest on weekends, you will be paid twice the salary, and on holidays, if you can't rest, you will be paid three times! There will be red envelopes at the end of the year. It is also never in arrears, and it is all paid on a monthly basis. Aoqi's salary was originally high, and in this way, it is even higher than other places. The little girl said that since she came, she had not seen an employee leave. And Ao Qi's credit history in our bank has always been very good, right? Jiang Yun has always done what she says, as long as she has money, she will not fail to repay the loan. As he spoke, he stood up again.

Ling Yuyan saw that Huo Lang was a little excited, and raised his hand to signal him to sit down: "Even if the European order is real, the payment can be returned smoothly, but you also said that Jiang Yunnei has to pay the wages of the employees, and he has to repay his husband's debts, how much money is left, can he pay it back to us? ”

But she said that her husband is her husband, and the company is a company, and the two cannot be confused. ”

"She said? Do you know what the interest rate is for private loans now? Not only is the interest rate high, but the interest is also rolling, so how do you know that she will keep her promise with such a large amount of money?"

"Mr. Ling, have you checked the toys produced by Aoqi on the Internet?" Huo Lang asked without answering: "The reason why I am interested in Aoqi is that I found that the toys produced by Aoqi are not divided into international and domestic versions, and all use one production line. Aoqi's little girl said that when they first started to sell toys in China, Jiang Yun set the rules, all of which are for children to play with, and the materials and craftsmanship must be of the highest standard. Mr. Ling, you know the European quarantine standards, and the materials must be environmentally friendly and degradable, and the production process is required to be environmentally friendly, and the raw materials cannot be obtained in an inhumane way, which is trivial and harsh, and the implementation is time-consuming, labor-intensive and costly, but Jiang Yun insists on using this set of standards in the domestic version. I checked the evaluation of domestic buyers on the Internet, and they all said that although the price is high, the quality is good, and the children can play with confidence. Mr. Ling, you see, Jiang Yun is a conscientious person, she is so responsible for the buyers she has never met, how can she not pay back the money she owes to the bank? She is too dependent on overseas orders, so she has been so affected by the trade war, if she can pay more attention to the domestic market, maybe there will not be this crisis. ”

Ling Yuyan found out that Huo Lang had really put in the effort to investigate, and listened carefully before saying, "What you said is right. But have you ever thought about it, Jiang Yun and Zhang Wei are husband and wife, and Zhang Wei owes debts outside, which is the same as Jiang Yun's debts. Zhang Wei has no money to pay it back, so Jiang Yun has to pay it back. Almost all of Ao Qi's shares are in Jiang Yun's hands, you are a law student, you know better than I know, when all the debts are mixed together, who can divide them?"

Huo Lang had already thought about this problem: "Then we can ask Jiang Yun to add countervail." I went to her factory to see that the machines were all in good condition, and we could put a mortgage on the machine, and we made this a condition for the loan. As long as the mortgage is set up in advance, it can be against the general creditor, and then she really can't repay the loan, and the money obtained by the auction machine is also the priority of our CEFC. ”

Ling Yuyan looked at Huo Lang steadily: "Do you think Jiang Yun is pitiful, so you want to help her?" ”

Holland wanted to retort, opened his mouth, but paused again. After a while, he said: "I think she is pitiful, a woman, self-made, who has endured all the hardships to earn today's career, but she has such a husband again." But I didn't want to lend her money because I felt sorry for her. Mr. Ling, I think she is a trustworthy person, so I can't do anything to repay her debts because of her affection for employees. Besides, no matter how difficult it is now, it will be as difficult as when she first started her business? At that time, she gritted her teeth and survived, and this turmoil will definitely be able to survive safely. Mr. Ling, to put it mildly, let's not help her this time, feng shui will take turns, and when she makes a comeback in the future, we will want to cooperate again, but there will be no chance!"

Ling Yuyan saw that Huo Lang was very persistent, and was slightly moved. She had read all of Aoqi's materials, and like Huo Lang, she had collected a lot of other information on the Internet. Speaking from the bottom of her heart, she also felt that there was no problem with lending to Aoqi this time, at least the risk was controllable. But she is not Huo Lang, she has been in CEFC for several years, and she knows that it is not easy to take out a loan. It is not only necessary to pass the various model tests designed by the head office, but also to conform to the subjective judgment of the upper and lower business personnel.

However, Ling Yuyan looked at Huo Lang with a stubborn face again, she originally planned to let Shen Wenrui make a report that disagreed with the loan, but now she changed her mind.

"Well, go back and write a report now, list all the reasons why you agree to the loan, and give it to me tomorrow morning. ”

"Mr. Ling, have you agreed to lend money?" Huo Lang was overjoyed.

"I don't have the right to decide whether to lend or not, but tomorrow we will have a meeting to discuss this matter and gather opinions from all sides, and I will try my best to fight for it. Ling Yuyan chuckled.

"Okay, thank you Mr. Ling, I'll write it now!" Huo Lang persuaded Ling Yuyan, he was really happy in his heart, he got up suddenly, knocked down the chair, and hurriedly helped him up: "I'll give it to you as soon as I get to work tomorrow!" said and rushed out, not forgetting to help Ling Yuyan close the door.

Ling Yuyan looked thoughtfully at the door that Huo Lang had carefully closed. Although she gave Huo Lang a hope, she knew in her heart how slim this hope was.

Not to mention that she is not in charge of financing now, even if she continues to be in charge and agrees to lend, the final decision is not in her hands.

Moreover, the situation this year is not very good, the pressure on each branch is very great, and the task cannot be completed. Out of this consideration, Aoqi has a slight risk of default, and they dare not lend. What's more, Zhang Wei is simply a time bomb for Jiang Yun and Ao Qi, who knows when a debt will pop up? Jiang Yun didn't say it herself, and she didn't know how much she should pay back now.

Ling Yuyan shook her head and smiled bitterly, tomorrow's meeting, there is a high probability that it will just be a formality, and the reason why she agreed to do her best is only because of the same intuition in her heart as Huo Lang: Jiang Yun is indeed not the kind of person who does not repay debts. And Horan's insistence deepened this intuition.

Regarding the report that Ling Yuyan asked him to write, Huo Lang showed the strength to write his graduation thesis. First, I wrote four pieces of paper in a flamboyant manner, and after I finished writing them, I looked at them, but I felt that there were too many contents, and the key points were not prominent, and it would take me half a day just to read them, so how could I take them and report them at the meeting? Reading it again, it seems too simple, and it seems that many things are not clearly explained, and they need to be added more. Tangled and tangled, and by the time the final draft was completed, it was already more than one o'clock in the night.

Because she had to prepare for the meeting, the next day, Ling Yuyan arrived at the office earlier than usual, from driving into the CEFC parking lot to going up to the ninth floor, except for the security guard, she didn't meet anyone. But when he arrived at the office, he saw Huo Lang sitting on the sofa at the door, staring at a few pieces of paper in his hand in a daze.

"Did you come early in the morning, or didn't you go back at night?" Ling Yuyan couldn't help but ask when she saw Huo Lang's hair was unkempt and there was a large patch of green under his eyes.

"It was too late to go back. Holland said, yawning.

Ling Yuyan stretched out his hand and pointed at a few pieces of paper in Huo Lang's hand: "This is for me, right?"

Huo Lang hurriedly handed over with both hands: "Yes, yes, Mr. Ling, you see, I have prepared a total of two." One is concise and to the point, you can read it directly at the meeting, and the other is more detailed, if someone asks a question, you can take this answer, I have marked the key points, it is easy to find!"

Ling Yuyan didn't expect Huo Lang to be so thoughtful, she looked at him in a little surprise, but she looked at Huo Lang in a panic: "Mr. Ling, what did I do wrong?"

"No, that's good. Ling Yuyan smiled slightly: "I'll take a look first, you go and rest for a while, I'll call you if necessary." ”

Huo Lang agreed, but followed Ling Yuyan into the office: "I'll just wait here, if there is anything to change, I can change it now." ”

Ling Yuyan knew that he was interested, and he didn't rush him, so he waited, read the materials in his hand, stopped, and read them again.

Huo Lang was uneasy: "Mr. Ling, is it that I don't write well?"

"No, you're well written. Ling Yuyan raised her head and said with a smile: "It's clearly organized and hierarchical, is it that the pleadings are all written like this?" He joked in his mouth, but in his heart he was amazed by Huo Lang's logical inductive ability. Not to mention interns, many veteran employees who have worked for several years can't do it to this extent.

Huo Lang unexpectedly heard Ling Yuyan's praise, and his ears turned red with embarrassment, so Ling Yuyan smiled: "No need to change it, you go back and rest, and when the meeting starts, I will inform you of the results." ”