Nowadays, Hengdian's business is not only the equipment manufacturing part, but also the power plant construction part led by Hongqi, and the automation part is just starting. At present, the most important thing that can be obtained is the economizer patent certificate. Previously, in the follow-up matters of dealing with Xinming's piracy, Secretary Zhang of the frightened Electric Power Institute had agreed to Hengdian's repurchase of patents, and at a price of hundreds of thousands of yuan, Hengdian bought out the patent rights of that part of the school, which is now exclusive and exclusive.

National certification, large-scale production, ultra-profitable product patents, plus the strong praise of two national treasure professors, Hengdian ...... I still haven't applied for a loan right away.

The traditional banking industry is not looking down on this small business, and is too lazy to manage these, although the banking industry at this time is not a backwater, but it can also be called a good swim, except for the sale of treasury bonds, the banks at other times are the same as ordinary state offices, saving money and withdrawing money, safe off work, market awareness and competition consciousness are not stored at all, financial products are even more heavenly, what? Do you want to exchange huàn foreign currency? Turn right at the door to find scalpers!

Even in the eyes of the common people, the bank should be a business of the state, a place to help everyone keep their property, and an institution.

Therefore, the two largest banks simply ignored the loan of this size and the mortgage of this kind of Cheng dù.

It was at this time that Bo Ge mentioned to Xiang Xiaofei a new bank called Union Bank, which took the lead in corporate restructuring and united dozens of provincial and municipal banks across the country to form a large bank.

Although neither Brother Bo nor Xiang Xiaofei dared to deposit their money in a "small bank" like zài, which did not have a "national signboard", there was no way out now, and the loan could only be bumped into.

As soon as it knocks down, the flies are on the mung beans and on the eyes. Not long after the establishment of the United Bank, in order to expand the market and respond to the government's call, it happened to implement loans for private enterprises, making up for the flies' legs that the big banks were too lazy to touch, and asset appraisal. Mortgage appraisal, just step by step, smooth sailing, now all kinds of appraisals have come to the end, several people in charge of Hengdian here to visit the site, emotional acquaintance.

It's just that I didn't expect that Yaxing, the big boss of the head office, came from nowhere, and he was also very concerned about this business, so he came in person. It is also impossible for him not to pay attention. Such a large amount of loans to private enterprises is a big breakthrough if it is done well, and it is also a big responsibility if something goes wrong.

But Qiu Zhizhang thought clearly, he was afraid of responsibility, so he still did a?

Those two big banks can be afraid, Union Bank can't be afraid.

As for the director Chen Xingyuan, who is in charge of credit in the middle, he has more concerns. It's not too supportive all the time. But the head of the bank was so resolute that he could only follow.

The group just walked. Qiu Zhizhang looked at the workshop with great interest, visited the real room of the office building, saw the production process of economizers, and also witnessed a batch of microcomputers that Changjiang had just acquired. Just when everyone thought they were going to sit down for a meeting and have lunch together, Qiu Zhizhang took his men and horses to retire.

Looking at the black mulberry in the distance. Chen Yanrui was still a little stunned: "Co-authored, just here to visit?"

"It seems to be, purely for a visit, not even a meeting. Xiang Xiaofei stretched his waist and smiled, "That's good." Seek truth from facts, and there is nothing to do in a meeting. ”

Chang Siping frowned and said, "The head of the bank is here, is it basically a big problem?"

"Well, it's not a big problem. ”

Chang Siping asked again: "Have you determined the loan amount?"

"Hmm. He stretched out three fingers to Xiaofei.

"300,000?" Chang Siping asked again.

"Old Chang, you've been stupid lately, 300,000 can't even build a real room in Changjiang. ”

"Three million?" Chang Siping glared and exclaimed, "We owe the bank 3 million?

Well, Lao Chang is a leading expert when it comes to power, and it's only natural that he will be an idiot when it comes to finance.

"It's really stupid to research. Chen Yanrui sneered without scruples, "We are a joint-stock limited company, and the company's debts have nothing to do with you and me." ”

"Aren't we shareholders?"

"Then you don't have to bear this kind of debt, right, Xiaofei?" Chen Yanrui asked at Xiaofei.

"Definitely, the legal person is me, and I will top no matter how big it is. Xiang Xiaofei smiled indifferently, in fact, her heart was about to explode, obviously she was already a rich woman, why did she have to bear so many debts in the blink of an eye! Zhang Yifu, can't you be at ease! Your parents gave you this name for nothing!

"You ...... top" Chang Siping was already stupid and cute, "a little girl...... This pressure is too great, and I will work hard to see if I can break through the process cost. ”

"Lao Chang, you have this kung fu, isn't it better to contact students to place two orders?" Chen Yanrui's thinking was more normal, and he smiled, "Don't worry too much, Lao Chang, our microcomputer protection side is about to enter the research and development stage, and there is a lot of hope." ”

"Lao Chen, when did you become so blindly optimistic? Is it possible to get microcomputer protection within a year or two?"

"Hehe, this time, it's not necessarily. Chen Yanrui can be said to be in a good mood, during this time he also studied carefully, consulted his peers to confirm, Zhang Yifu gave the set of things is really not bad at all, shocking, once this is done, the benefit, but several times that of the economizer, to put it mildly, after the equipment production line is done, just wait for the product to be out.

The two elders each had their own ideas, and Xiang Xiaofei only cried by himself.

After Qiu Zhizhang finished the visit, he returned to the bank and was not so indifferent, and the bank had already held a meeting to argue about the loan of Hengdian.

Basically, people over the age of 40 do not advocate loans.

Under the age of 40, you feel that you can borrow completely.

Chen Xingyuan was stuck at this age line, and he simply did not make a clear statement.

If you lend to a factory with a state-owned background, you are not afraid of how much you borrow, and if something happens, there will be upstream units to carry it. But this private enterprise, even if it has some ability now, who can guarantee that it will always be profitable? The number of 3 million is too much in this era, and few people have the courage.

The arguments for lending are also quite sufficient, and the newly established United Bank is at a complete disadvantage compared with the two traditional big banks in terms of savings and credit, especially the common people, who do not recognize the brand of the Union Bank at all, and feel that this is a strange bank that will run away at any time. Now the situation is completely dependent on the original resources of the provincial and municipal banks, and the situation is precarious.

Because these provincial and municipal banks were originally managed by the provincial and municipal party committees, and they were the children of the local government, so they naturally took care of some of them, but now everyone has withdrawn and united together to become an independent bank, which is managed by the board of directors of the head office, although the capital composition was originally state-owned, it is impossible for the Ministry of Finance to take care of you, right?

In bits and pieces, many of the provincial and municipal units that originally had business dealings began to switch to other companies, and the road ahead was difficult.

At this time, we must make a breakthrough, to the new market, to the new era of breakthroughs, young people are full of enthusiasm to do business, not afraid of mistakes, not afraid of losing, gambling can afford to play.

The old comrades must be afraid of everything, counting the days of retirement, for fear that the poor Union Bank will die before he can leave the school in his lifetime.

Some people are old, but he is still young, and he is talking about Qiu Zhizhang.

The long-term stalemate allowed him to see these people in front of him clearly, see through the current atmosphere in the industry, and smell the atmosphere of defeatism and "mixed retirement".

This kind of rotten smell should not be stored in this bank that he only holds in his hand, after listening to a series of arguments, the promotion plan in his heart has been silently spread, who is in line with his philosophy, at a glance.

On the one hand, he is conscientious, efficient and conscientious to promote this matter, and do all kinds of reviews and processes, on the other hand, he did not show the passion he should have, but the loan officer under him was full of enthusiasm, the kind of enthusiasm needed in the new era.

So far, Qiu Zhizhang actually doesn't have so many choices.

At a time when everyone else was struggling, he finally spoke.

"Leave this matter to the head office. Qiu Zhizhang silently took a sip of tea, "Tong guò board of directors, the board of directors expressed its position, the head office takes responsibility, and the head office lends money, so that the Jijing branch can accept it, right?"

When everyone heard this, they realized that the general boss was so resolute.

In fact, before going to Hengdian, Qiu Zhizhang was not so resolute, but when he saw the team and everyone who was full of vitality, all of a sudden, the laziness of the state-owned factory in his mind was swept away, and it can be said that there is basically no one here who is "retiring", which is the highest evaluation of Qiu Zhizhang in a place at this stage.

Behind this appearance, there must be something more.

Those two professors, half a year ago, were the academic champions of the leading electric power college in China, and they still dared to gamble on their future to jump out of the inherent system and come to this small Chaoyang factory, not to mention the United Bank?

Among them, there must be a story, there must be dependence, there must be a background, this background is something that the girl can't hold up, although she is already very good, but not enough.

So after chatting and probing during the visit, after hearing that the biggest list was mainly used for the national project of the North China Bureau, Qiu Zhizhang had already made two or three predictions.

In the exhibition room of the Hengdian office building, there is a photo with the words "Jia Tianyun, director of the Energy Conservation Office of the North China Bureau, visited the factory". Although Qiu Zhizhang has never seen this legendary character, he has always heard the name.

The only few visits from leaders in the system include Jia Tianyun, Qiu Zhizhang understands the system too well, and he has made up his mind at the moment.

With the order of the head president Qiu Zhizhang, the board of directors took on this responsibility, and the dust settled, no one said more, and the rest of the right to speak was handed over to time.

Silently, not only the power industry, but also all walks of life have begun a race against time, comparing who can take the first step and who can run last. (To be continued......)