On the afternoon of February 10, Shao Hua of Shenzhen Taishan Industry and Trade Co., Ltd. came to Zhuang Yu's office, and after talking for a long time, Zhuang Yu asked Qin Xianhong, Chen Jiaojiao, and Xia to come to his office to negotiate. Pen ~ fun ~ pavilion www.biquge.info

After several people arrived at Zhuang Yu's office, Shao Hua introduced: "My business is relatively profitable, and I have the intention to ask the financial service agency to also make a fortune, that is, to invest together." Now it's time to get to the point, as long as you invest 5 million yuan, then it is completely possible to earn a 5 million yuan dividend. In this way, all the original loans came back, and another 5 million was earned, and everyone was happy. The other way is to give me another 5 million yuan loan, not too long, three months is completely enough, just take out a loan for three months, first use my company's shares to pledge, so that all the loans will be returned to Zhao. Let's see how you can help me again. Ah, by the way, in order not to affect your choice, I will leave first. Mr. Zhuang, Mr. Qin, Mr. Chen, I'll go first. ”

After Shao Hua finished speaking, he really left Hubei Financial Services Agency and went back to his company.

After Shao Hua left, Zhuang Yu said, "Look, which plan is better for us to take?"

Qin Xianhong said: "Support still needs to be supported, it depends on how to support." ”

Chen homework asked Xia: "Manager Xia, how much does he have a loan for this business?"

"A total of 9.5 million yuan was borrowed in the name of the two companies. ”

Chen said: "If you don't give him money now, it seems that the original loan will not be recovered." It's become a sandwich rice!"

Summer didn't speak again.

The three CEOs did not choose whether it was better to invest or take out a loan.

Later, Zhuang Yu said: "Lao Xia, you talk about it." ”

Xia said: "I just provide some reference advice to the leader, and the boss will make the decision on how to decide." On the issue of investment, I have met a very famous professor, who is an expert in aluminum alloy in our south, and he has a lot of patents. He told me such a story: Once, he wanted to transfer a patent to a company in SH, and after the business people negotiated with him, it was finalized to establish a joint stock limited company, with the professor taking 49% of the shares with the patent as the shareholder, and the company accounting for 51% of the shares with the site and capital. After the contract was signed, the professor was very happy and felt that with his knowledge, he had a 49% stake in a company, which was worth it. As a result, the patent was handed over and the joint venture produced the product. Two years later, the company wrote a letter to the professor, enclosing a financial statement of the company, saying that the company had lost more than 500,000 yuan in the production of the product, and that the professor should bear 49% of the proportion. The professor was fooled and said angrily: "I just sold the patent for 50,000 yuan at that time, which is better than engaging in this cooperative investment and equity participation." Up to now, as soon as this professor heard that someone wanted to cooperate with him, as soon as he mentioned the word shares, he immediately turned his face and left. ”

After listening to Xia, Qin Xianhong said to Zhuang Yu: "It seems that joint investment is not advisable, only loans?"

"How much more is appropriate to lend him?" Zhuang Yu asked everyone.

Chen said: "Considering the problem of withdrawing old loans, I agreed to increase the loan to him, and I think that the organization will have a deposit of 10 million, and the deposit-to-loan ratio should not exceed 60%. What do you think?"

"I think so. Zhuang Yu said: "Lao Xia, what is the situation of his mortgage?"

Xia replied: "He provided 1 million corporate shares of the listed company, which can be mortgaged for a loan of 2 million, and he wants to call GZ China Merchants (Shenzhen) Company as a guarantee." ”

"Do what you can, don't procrastinate. Qin Xianhong said.

"There is another problem," said Summer, "just after the Spring Festival, and it is difficult to find a three-month supporting deposit, so it seems that the whole company needs to mobilize the staff to find a way." ”

"You can tell everybody to do it. Chen said.

In the end, Zhuang Yu concluded: "This is how it is decided: within the loan of 5 million, there must be a supporting deposit, a mortgage of 2 million, and other guarantees." Lao Xia, you operate that department. ”

"Okay. Summer said.

In this way, there are many presidents and vice presidents of Hubei Financial Services Society, and their opinions are quite unanimous, and they have made a decision to increase the loan of 5 million yuan to Shenzhen Taishan Industry and Trade Company, which Shao Hua is the legal representative. However, in the future, Shao Hua got into trouble because of the contract dispute of GZ Merchants (Shenzhen) Development Company that turned into a fraud case, and the GZ Provincial Special Case Department was as persistent as Zhuge Liang when he went out of Qishan and went south to Shenzhen many times to investigate the matter, but Chen Jiao and Qin Xianhong, who were still on the job at the time, flatly denied that they had participated in the matter. Through this incident, it is not difficult for people to spy on the hearts of these two people.

Xia returned to the office and told Shao Hua about the decision of Hubei Financial Services Agency, and Shao Hua expressed his understanding. On the other hand, the summer told the other two credit departments to ask them to coordinate and organize a deposit of 10 million for three months, with an annual interest rate of no more than 18%.

Bu must have heard the news and asked, "10 million, right? I'll help you implement it." ”

Summer said, "Okay, it's on your head." ”

"I'll go. Bu must have really taken the briefcase and left.

After a while, Chen Jiaojiao walked to the door of the credit manager's office and said, "Lao Xia, come here." ”

When Summer came to Chen Job's office, Chen Homework asked, "You don't seem to be a little happy lately, do you?"

Summer smiled wryly and said, "It's a bit difficult to do a second-level level like ours. ”

"From the perspective of a credit manager, you can do what you need to do and do it well," Chen said. But the top is going to change, and it can't go on like this. ”

Xia felt that it was not a problem to stay in Chen's office, so he said, "Okay, I'll go." After speaking, he left Chen Job's office.

It is said that Bu must have come to the Heihe Securities Department and found his old acquaintance, Manager Zhang, saying that there was a single business that was a little profitable, and the time was short. Manager Zhang was very interested and hurriedly asked, "How to do it?"

Bu must have said: "Our unit wants this deposit, and the time is relatively urgent, so we will work this word 'urgent'." Then, he explained the situation to Manager Zhang and put forward his own operation ideas.

After hearing this, Manager Zhang smiled and said, "Just do as you say." ”

So, Bu must have returned to Hubei Financial Services Agency with a good opinion.