45. Chen Shanwei took advantage of the situation to take out loans
The words are divided into two ends, one for each side. Pen, fun, pavilion www. biquge。 info
said that that day, Zhu Chi'er came to Zhuang Yu and talked about going to HaiN in a few days. At that time, Zhuang Yu asked Zhu Chi'er: "How long does Mr. Zhu stay in HaiN?"
Zhu Chi'er said casually: "When you go out, it's not good to say." ”
really responded to this sentence, and as soon as Zhu Chier arrived in HaiN, she found that it was not good. So, I secretly complained bitterly and regretted it.
It turned out that as early as when HaiN was still under the jurisdiction of GD, Zhu Chier launched her fists and feet in HaiN Shi and gradually gained contacts. In HaiN, although he may not have a particularly good reputation, in people's impressions, he is still a capable person.
In the early 80s of the 20 th century, major problems arose in the national economy, and the state resolutely implemented the eight-character principle of "adjustment, reform, rectification, and improvement." At that time, HaiN, as a region of GD, had a relatively low technical content of its industrial products, which made it difficult to sell them in cities in coastal provinces, while it was difficult to transport them to the western part of the mainland and the vast rural areas for sale due to problems in the sales network and after-sales service. As a result, the product backlog is severe. At this time, Zhu Chi'er, who was familiar with the western region, saw a business opportunity and took the initiative to coordinate the sale of HaiN's unsalable goods. This move not only made him money, but also expanded his influence. Many manufacturers came to the door and invited him as a partner to sell the factory's products on credit. In this way, Zhu Chi'er has the kung fu and capital of four or two thousand catties, and even empty gloves and white wolves.
It is said that after Zhu Chier was released from the ZH Public Security Bureau last time, he continued to engage in commercial activities intensively. He remembered a mantra that people often said at the beginning of reform and opening up: "No work, no stability, no business, no wealth." At the same time as building the Motor City, it also marched to HaiN, and sold hundreds of Mazda assembled cars on credit in one fell swoop, and shipped them to GZ and SZ. He promised to remit the money after the three-month period expired. However, after Zhu Chi'er got these cars, he handed over the so-called three car certificates (factory certificate, road permit, and certificate of conformity) and car keys to the bank as collateral, obtained a large number of loans, and promised to repay the mortgage for each car sold, so that the risk of the loan was still firmly placed on the bank's own head. As for the lending bank, they feel that the car on which the loan is based is still there, and they are happy to charge interest, and there is no urgent need.
Seeing that the three-month deadline was approaching, the HaiN Automobile Assembly Factory didn't know what Zhu Chi'er was doing, and he couldn't put his mind at ease, so he asked him to come to HaiN several times. At this time, according to the briefing of the head office, the comrades of the People's Bank of Hain found an automobile assembly plant and a television assembly plant from the goods in Zhu Chi'er's mechanical and electrical shopping mall. It is understood that the amount of credit sales is not small, and if it is not recovered in time, it will once again have a big impact on the HaiN economy. As a result, the bank reported to the government in a timely manner. The relevant government departments demanded that they meet Zhu Chi'er and others as soon as possible, clarify the situation, recover the goods and payment, and asked the political and legal organs to actively intervene and make every effort to avoid HaiN's economic losses.
It is said that on the day Zhu Chi'er arrived at HaiN, as soon as he got off the plane, he was picked up by Deputy Director Mo, who was in charge of sales at the automobile assembly plant, with two department heads, and the car drove directly into the government guest house, got out of the car, and was arranged to live in a suite with a reception room.
When Zhu Chi'er saw that she lived in such a big house, she was a little reluctant to say: "When you go out alone, you can order it casually, you don't need to live so generously." ”
The factory explained to him: "Mr. Zhu, this is all arranged by the government. ”
Zhu Chi'er asked a little proudly: "So, I promoted your products, and the mayor came forward to receive you, which alarmed the mayor?"
"I won't tell you the truth," Deputy Director Mo said with a wry smile: "Not only has it alarmed the mayor, but it seems to have reached the sky! ”
"It's a bad dish!" Zhu Chi'er said annoyedly, "This time I have to take a long vacation again, it seems that a celebrity is a celebrity, and I can't think of being famous." ”
Since then, Zhu Chi'er has lived in this house for a short time.
HaiN's relevant parties used soft means to keep him and give him good food and shelter, but he couldn't leave, in order to let Zhu Chi'er pay off his debts, and if he couldn't pay it off for a while, he would also get the goods back. That's an afterword.
On the side of Hubei Financial Services Society, it took a lot of effort in the summer to finally wait for Chen Shanwei of 38 Co., Ltd. to call.
Chen Shanwei asked, "Manager Xia, is there any good news for me?"
Summer said: "The loan terms you discussed, the service community always wants to discuss with you personally. Can you come and visit in person?"
Chen Shanwei said: "I am working at the Industrial and Commercial Bank of China now, and I am very close to you. I'll come over now?"
Xia remembered that he was going to Longhua in the afternoon, so he said, "Then, you have to hurry." If it's late, Zhuang always has to go out. ”
"Okay, I'll be right here. ”
Fifteen minutes later, Chen Shanwei came to the credit manager's office of Hubei Financial Services Co., Ltd. to meet with Summer. Summer said: "Let's go directly to Mr. Zhuang to see if we can settle the matter." ”
Chen Shanwei said: "That's the best. ”
So, the two went to Zhuang Yu's office together. When Zhuang Yu saw Chen Shanwei, he was like an old friend, very enthusiastic, and his speech contained speculation. Zhuang Yu said: "I have always had a soft spot for the deeds of your company Shao Xianniang, can Mr. Chen introduce me, one is for us to know, and the other is to see if she can hire a senior consultant for our service agency." Do you think it's okay?"
Chen Shanwei said: "I can introduce you to her." However, she is still very busy now, and she is busy with some things in the United States all day. ”
Zhuang Yu said: "Regarding your company's loan, Manager Xia introduced your views to me, considering that my vision is long-term cooperation, and you also have this meaning, I think the monthly interest rate of two-thirds can be set." ”
At this time, Chen Shanwei said: "In all fairness, two or three is also high, and we can only borrow a very small number of such loans among many low-interest loans, so that we can dare to borrow." The upper limit of the interest rate on this loan was decided after the board of directors studied it, otherwise, I personally would not take this risk. Another problem is that our real estate certificate is generally no problem to make a loan of 30 million yuan, but we don't need so much now, and the current contract is signed for 15 million yuan. Of the 15 million yuan contract, the most needed now does not exceed 8 million, and the remaining second installment is given to us. ”
Zhuang Yu thought to himself: "Although this is different from my idea of a surprise loan, he is also reasonable, and at the same time full of awareness of cost accounting, which is acceptable." He said, "I agree with you." I value our future cooperation even more. Please introduce your founder, Shao Xianniang, to me. Now it is set: the monthly interest rate of the loan is two-thirds, and the loan contract is set at 15 million yuan in advance. Your company and the financial services agency should hurry up the formalities. The loan is handled by the Credit Department 2 of our service agency. ”
Chen Shanwei said: "I can't see it, Mr. Zhuang is still a very simple person." Actually, doing things at SZ is how it should be. Don't wait until the daylilies are cold and haven't moved. Listen to Manager Xia, you have to go out later?"
Zhuang Yu nodded and said, "Yes, wait a minute, go to Longhua immediately." ”
Chen Shanwei said: "Then I won't hinder you, I'll go first, thank you Mr. Zhuang." ”
Chen Shanwei shook hands with Zhuang Yu and Xia respectively, and then left Hubei Financial Services Agency.
At this time, Xia reminded Zhuang Yu and said, "Mr. Zhuang, should we hurry up and leave for Longhua?"
"Okay! So, Zhuang Yu took Wang Hua and took Zhong Meichang's Mercedes-Benz SL320 to Longhua in the summer. In less than an hour, I arrived at Huang Zhonghui's company, which is where the Huanglong Hotel is located.
After Huang Zhonghui greeted Zhuang Yu and others, he made a phone call and asked his chairman to come.
Ten minutes later, a young man in his twenties came, and Huang Zhonghui introduced Zhuang Yu to them: "This is the new chairman of our company, Liao Jinxin. Then, he introduced to Chairman Liao: "This is what we told you yesterday, General Manager Zhuang of Hubei Financial Services Society, this is Manager Xia. ”
After speaking, he jokingly pointed to Wang Hua and said to Chairman Liao: "This very beautiful young lady, I guess you are the favorite, Wang Hua's secretary of the financial service society, and the social flower of the financial service society - the head of the family." ”
Wang Hua blushed and said coquettishly: "Mr. Huang, I don't look at any occasion when I'm joking." ”
Everyone sat for a while, and Huang Zhonghui said: "Mr. Zhuang, you may not come here in Longhua, I will take you to see the cityscape of the whole town first, and take you to a few of my construction sites to have a look, to increase your perceptual understanding." Let me tell you, Longhua Town used to be the best town in the country. Now it is also the back garden of SZ, according to the latest news, Shenzhen will also build Longhua New District, where the real estate prospects are promising. If you want to buy real estate in Longhua, it is really 'fast hands, slow hands'. ”
Zhuang Yu was tickled by what he said, and said, "Let's go out and have a look." ”
So, everyone went downstairs, got into Huang Zhonghui's Mercedes-Benz 600 car, and first pulled Zhuang Yu and his party to the top of a mountain, got out of the car, and entered a building. Huang Zhonghui said: "This is my younger brother Huang Zhonghua's house. My brother is more daring than me, and his temper is coming, and he dares to burn down other people's houses. ”
Zhuang Yu and his entourage were on the second floor of Huang Zhonghua's house, looking at the distant view of the foot of the mountain and even SZ, with rows of tall houses, scattered urban planning, and dazzling lakes and mountains. Huang Zhonghui saw that Zhuang Yu and Xia were interested, so he said: "Look, there are a thousand families under our noses. This is called Magnolia New Village. In my place, there is also an arrangement of fifty villas in the best location. After speaking, he took the lead downstairs, led Zhuang Yu and them to a mountain col, and said the location of more than ten villas.
Zhuang Yu stood there, also looking at the position of Shenzhen, and felt that the view was good. said: "Lao Xia, how do you feel?"
Summer said, "It's very comfortable to look ahead. It's the col behind that it seems to have a bit of a wind brake. ”
Zhuang Yu asked Huang Zhonghui: "How much does it cost to build a villa and deliver it?"
Huang Zhonghui said: "More than 400,000 yuan. ”
……
Coming down from Magnolia New Village, Huang Zhonghui took everyone to another real estate project that had been built to have a look. No one expressed any opinions, and returned to the Huanglong Hotel where Huang Zhonghui worked. The company's employees served tea to everyone, and after drinking tea, Huang Zhonghui took out two sets of drawings from the safe to introduce the decoration project plan of Huanglong International Hotel in detail.
Summer felt that this was the right thing to do, and kept asking questions, which made Huang Zhonghui a little overwhelmed.
Later, Huang Zhonghui took out another set of drawings a little carelessly, which was the design of the villa in Magnolia New Village. Judging by what he meant, it was as if he was going to sell these villas.
After some time, Huang Zhonghui made a phone call to his lawyer Luo Jiari and told him: "Mr. Zhuang is already in the company, you have to rush to Longhua after work, everyone has dinner together, and discuss the loan." ”
Rogari said on the phone: "I'll come over now, so as not to mislead you." ”
Huang Zhonghui said: "Okay, I'll wait for you in the company." ”
……
Seeing that it was already more than six o'clock in the afternoon, and Luo Jiari was still nowhere to be seen, Huang Zhonghui led Zhuang Yu and Xia to look at the entire building of the Huanglong Hotel, and introduced the functions after the renovation in the future. After the introduction, Huang Zhonghui took everyone to the hotel for dinner, just came to the gate of the Huanglong Hotel, with a "flute-" horn sounded, a car appeared in front of Huang Zhonghui. The driver of the car rolled down the door glass and said, "I'm sorry everyone, there is a traffic jam in Phuket." It's late!"
The person who came was none other than Luo Jiazhi. Huang Zhonghui said to him: "I was about to post a missing person notice! Get out of the car immediately and go to the hotel together." ”
"Okay, okay. Luo Jiazhi said as he stepped back from the car.
After a while, I got out of the car, came to everyone, said hello to Zhuang Yu and Summer, and went to the hotel together. While having dinner, they discussed that they would immediately operate the mortgage registration of the loan tomorrow, and strive to get it within three days.