In the morning, Xia called Ou Zhongzhong and Liu Aihua to the office and arranged for them to go to Bao'an Industrial Village and Xin'an Town to learn about the mortgage and production and operation of Bao'an Welfare Bed Industry Co., Ltd. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 Info Summer made specific requests for the investigation: when I arrived at the industrial village, I wanted to meet its village director and ask them whether the property in the village was voluntarily mortgaged, and whether this "certificate" from the village committee was issued by them. Since the property is in the village, I want them to take you to see which ones they are. When you arrive at the welfare bed company, you have to see if there is a factory, but whether there is production, how large is the factory, how many workers are there, and how many mattresses can be produced in a day?

Summer also inspired them to say: "When you are investigating, you don't ask each other questions in one go, but stagger them in your speech, keeping in mind: 'I want to figure out these questions,' and pay attention when you look at them, and don't let the other party deliberately answer these questions against us." ”

Ou Zhongzhong and Liu Aihua both felt that the method taught in the summer was very useful, nodded, took the loan information to the loan officer's office, and prepared the outline of the investigation.

After a while, Xu Donghai received a call from Zhuang Yu: "Looking for Lao Xia." Xu Donghai heard that he was looking for Summer, and he didn't seem to be happy when he heard Zhuang Yu's voice, so he covered the part of the phone and said to Summer: "Zhuang is looking for you, and he seems to be angry." ”

Summer took the phone and said, "Mr. Zhuang, I'm Summer." ”

Zhuang Yu said: "Lao Xia, have you signed the loan of Mr. Wang? Now Mr. Wang is in my office." ”

"Here you go again?" Xia explained after asking: "Li Chaoyang hasn't shown me the materials until now!

Zhuang Yu said: "Can you go and get the information!"

Xia said: "This customer himself is Li Chaoyang's, and he has to coordinate the loan and take responsibility in the future." As a credit manager, how can I ask a loan officer for a loan approval? In doing so, it's a bit of a foreign appearance. ”

Zhuang Yu knew Summer's temper, and it was useless to say anything more, so he said, "I'll call Li Chaoyang." ”

Xia put down the phone, and his heart was not very happy, and said to Xu Donghai: "You, Li Chaoyang, set up the archway of chastity and made **, which made me full of right and wrong." ”

Xu Donghai smiled bitterly and did not speak.

Five minutes later, Li Chaoyang knocked twice on the door of the credit manager's office, walked in and greeted Xu Donghai first: "Hello Manager Xu." Then he turned to Xia and said, "Manager Xia, Mr. Zhuang asked me to hand over this information to you." ”

Xia took the information, saw that it was the loan information of Yufeng Jinlong, and said, "Okay." ”

Li Chaoyang withdrew from the manager's office.

It is said that I have seen the construction site of Yufeng Jinlong in the summer, and I have also come into contact with Wang Yu a few times. In fact, his impression of Wang Yu is not bad, he should be a person who does business. It's just that it is difficult to say whether he is responsible for the money lent to him by the bank for the business he has done. Xia estimated that as a test of Wang Yu's personal ability, he would not let this project be aborted, and as a consideration for his own realization of his own value, he would make money from this project, so that at least he could return to his hometown. However, it is not easy to get the more than 30 million yuan of loans lent to him by several banks to be paid off in the summer.

In this loan information, Wang Yu took the allocated land that had been "drawn a circle" on the map at the beginning of Shenzhen's preparations for the establishment of the Special Economic Zone and had not been given to the armed police force without paying the land premium. Later, it was transferred to the military enterprise for business use. Whether the collateral can be mortgaged is a question, and if the loan is not repaid in the future, whether the collateral can be disposed of is another question. Therefore, this mortgage is relatively undesirable. However, it's better than a line of credit.

In the summer, after reading the information introduction of Yufeng Jinlong Restaurant, reading the loan certificate, reading the cooperation letter signed by the hotel and the landlord, and reading the loan investigation report written by Li Chaoyang, I think the evaluation is too optimistic. But I can't write my opinion in the "Credit Manager" column. So, he opened a 32-carat, or A4 piece of paper, and wrote:

This page is deposited in a credit file.

1. The project is under construction, and from the records of the loan certificate, more than 20 million yuan has been loaned, and it is not excluded that funds from other financing means will be used to enter the project. Therefore, the degree of debt is relatively high.

2. The restaurant is scheduled to open on February 28, 1995, and whether it will open as scheduled depends on whether the follow-up funds can be paid as scheduled. Taking a step back, it is to open as scheduled, and there is also a product growth period, which is still a low-profit stage. Therefore, estimates of its profitability should be cautious.

3. The business contract signed between the hotel and the owner is 10 years. Ten years later, all the facilities of the restaurant were owned by the owner. In other words, in ten years, it is not easy for operators to earn gross profits sufficient to pay bank principal and interest, taxes, and amortization of restaurant equipment.

4. In view of the above three points, I believe that when other banks have invested most of their funds, and we only need to invest a small part of it to open it, the loan to the restaurant is correct. In the same way, when other banks are happy to continue lending to support it, we must hurry up and recover the loans, so that it is safe.

On the premise that everyone agrees with the above opinions, I agree to a loan of 5 million yuan for a period of half a year.

After writing in the summer, I opened the loan approval form, and in the column of "Opinions of the Manager of the Credit Department", I wrote: "My detailed views on the project are shown in the attached page, and under this premise, I agree to a loan of 5 million yuan for a period of half a year, and report to the leadership for approval." Summer. ”

After writing it in the summer, he sorted out the loan file and immediately came to Zhuang Yu.

Qin Xianhong and Chen Shiqing sat in Zhuang Yu's office as if discussing something. Summer knocked on the door, and Zhuang Yu said, "Come in." ”

Xia entered the office, greeted the three of them, and said to Zhuang Yu: "This is the loan file of Yufeng Jinlong Restaurant, you can take a look at it." ”

Zhuang Yu said: "Let's put it first." ”

At this time, Qin Xianhong said: "Lao Xia, that Lieutenant Qiao told me yesterday that our three credit departments here are out of order, and you said that the company from all over the world has no guarantee qualifications, but has borrowed 6.3 million yuan in the third credit department. What's going on?"

Zhuang Yu hurriedly replied: "That's the mortgage of the land mortgage." Now, let's see how the chairman's side responds. ”

Summer heard what they were going to discuss, and prepared to leave. Zhuang Yu said: "Lao Xia, you and I will go with you to meet Chairman Yang in the evening." ”

Summer said, "Good. ”

After exiting Zhuang Yu's office, Xia thought in his heart: "It shouldn't be easy to see Yang Oran this time, first of all, it seems that he hasn't heard Zhuang Yu say the investment money he wants." Secondly, a friend he introduced said that it was a building materials company, and he wanted to make a loan, and I said a few words, and immediately called at the door of the credit manager's office to complain. Check it out!"

After getting off work in the afternoon, Xia, Zhuang Yu and the driver Zhong Meichang had dinner at the financial services agency, then got into Zhuang Yu's car and drove towards the Sunshine Hotel, which was less than seven o'clock when they arrived. Zhuang Yu asked Zhong Meichang to wait in the car, and he and Xia went to the café to see Yang Oran. In the summer, at the door of the hall, I saw Yang Oran sitting at a small table by the window. Zhuang Yu and Summer hurried over. After a period of greetings, Yang Oran said to Xia: "I'll talk to Mr. Zhuang about something first, and you can wait over there." ”

Summer busy said, "Okay." So he departed, and they found a seat at the door, and sat down.

I watched them talk for more than 20 minutes in the summer, and they were not necessarily speculative, it is estimated that some things are related to themselves, and some things cannot be known to a third person. This made Summer think, "I shouldn't have come today." But why did Zhuang Yu bring me here again?"

Half an hour later, Zhuang Yu beckoned, and Summer hurried over. Zhuang Yu said: "Chairman Yang asked you to come over for a cup of coffee. ”

"Thank you, Chairman. Summer said.

Yang Oran didn't say anything, everyone drank a cup of coffee, and Zhuang Yu said, "Then let's go back first." ”

Yang Oran said, "Okay." ”

There was no checkout, and the two left.