Wang Peng's face was pale, interrupting Jiang Chuan's words, and also interrupting his dream, and said coldly:

"I'm sorry, I'm sorry I can't help you in such a situation, you should find another bank, or a financial investment company!"

Jiang Chuan showed an expression of surprise, and just as he wanted to speak, Lu Qianqian was already dissatisfied and said: "Eh, why, isn't this plan very good, for the sake of everyone, for the benefit of one side of the water and soil!"

"Okay?" Wang Peng asked rhetorically.

"Very good, shouldn't it be like this?" Lu Qianqian also asked rhetorically.

"Manager Wang, what is it for, can you make it clear to me!"

Jiang Chuan also didn't understand what went wrong, which caused Wang Peng's attitude to change sharply, from the beginning of the discussion, to the decisive refusal that left no room for now.

Lu Qianqian was also unrelenting: "Yes, Wang Peng, tell me, why don't you want to lend!"

Wang Peng glanced at her, and then said:

"Why do banks lend money, the purpose is to let enterprises with ideas, needs, and capabilities get funds for development, but the banking industry must also make a profit, and it is not a charity!"

Looking at Jiang Chuanduan again, Wang Peng asked: "Mr. Jiang, could you please tell me, what point in the plan you just described can be directly reflected that the funds have strengthened your company's profitability?"

"This ...... Nope!"

Jiang Chuan thought about it hesitantly, and then shook his head helplessly.

"So, why are we lending you money?" Wang Peng asked.

"Uh......" Jiang Chuan really couldn't answer.

To say that his idea is very good, for the benefit of everyone, but you don't make blood yourself, and you plan to rely on external resources, what is the difference between being lazy and reaching out when you have no money.

For some reason, Lu Qianqian became even more unconvinced, and asked: "Wang Peng, doesn't the bank still have housing loans or consumer loans, aren't those all to improve everyone's lives?"

Wang Peng replied: "That's for individuals, and there must be economic income as a guarantee, think about it, just a branch that can save 10,000 yuan a month, what can you take out to pay back to the bank?"

"Don't say that there is no collateral, I dare to say that those employees of Mr. Jiang are afraid that even the salary is very small, Mr. Jiang, do you say so?"

Wang Peng looked at Jiang Chuanduan, and his face was determined.

Jiang Chuan said: "Manager Wang is amazing, my employees are all brought by me from the head office, so in addition to basic food, clothing, housing and transportation, they only get 100 yuan of living expenses every month!"

"Mr. Jiang, I can't lend you money, so you don't have to apply to us, unless you ......" Wang Peng said apologetically, but in the end, there was a twist.

"Ah, unless it's something, you say it quickly!" Lu Qianqian was the first to ask, not even asking, and stretched out her hand and shook Wang Peng's shoulder.

"Don't push it, hey, I'm about to fall apart!" Wang Peng begged for mercy in disguise.

Lu Qianqian pouted, and asked more anxiously than Jiang Chuanduan: "Then you say it quickly!"

"Manager Wang, please give me advice!" Jiang Chuan also said sincerely.

He didn't dare to underestimate the handsome big boy with a young face in front of him.

Wang Peng looked at each other, examining Jiang Chuanduan's every expression and demeanor, Lu Qianqian and Jiang Chuanduan didn't dare to disturb him, after a long time, Wang Peng finally asked: "Mr. Jiang, what is your purpose?"

"Is it for your people, a better life, a better future, or an improved life?" Wang Peng didn't wait for Jiang Chuan to answer, and directly gave a multiple-choice question.

"No, Wang Peng, is there a difference in what you asked?" Lu Qianqian asked incomprehensibly.

Wang Peng nodded his head and said, "Yes!"

Seeing that the two people in front of him didn't understand, Wang Peng said:

"A better life and future refers to the continuous improvement of life, and there is an improvement, which is an essential difference!"

"That's naturally the former, no one wants to live still!"

Jiang Chuan, who would come to the end, gave the answer, and at the same time vaguely sensed what Wang Peng was going to say next.

Wang Peng said with a smile: "Since this is the case, then Mr. Jiang has just started, and the idea of funds will be completely invalidated, and it is impossible for you to give it if you do that, and the result you are pursuing can only be to raise a bunch of useless people." ”

"Please Mr. Wang!"

Jiang Chuanduan mentioned the word "teaching" again, but it was different from just now, not only did he call Wang Peng "sir", but he also had a formal posture, arched his hand to Wang Peng, and made a gesture.

Wang Peng took a salute and said:

"First of all, you have to understand a truth, if you want your people to live a prosperous life, you must mobilize everyone and improve the strength of the company, only in this way can you enter a good cycle!"

"Secondly, if you want the city commercial bank to lend, you can, but you must have a reasonable plan for the use of funds, so that the funds you can borrow can make money, so that your loan will be meaningful!"

Jiang Chuan asked, "Then what should I do?"

Wang Peng was very satisfied with Jiang Chuanduan's attitude, so he said patiently:

"You can adopt the direct sales model, use the funds, and open a few direct stores in Songnan City, but you have to integrate into the local Songnan City, so it is best not to have too distinctive local characteristics, which will also invisibly reduce the source of customers. ”

"I haven't seen your products, but they must all be freshly processed, so you have to find someone to design all kinds of packaging, from the packaging of the product to the packaging of the store, and the packaging of the promotion. ”

"These must be suitable, the aesthetics of the locals in Songnan City, well, in this regard, I can help you find the right design candidate. ”

Wang Peng obviously thought of Su Jin, if Jin Jin is not willing to spend effort on this, it doesn't matter, isn't there still a car Xiaoxiao!

Then Wang Peng said: "In terms of product distribution, you'd better take the store as the center and radiate a radius of five kilometers around. ”

"By the way, it's better to set up a transportation route in advance that can ensure that the supply is sufficient, but at the beginning, you can find a logistics company or something, and when the sales volume is raised, you can consider building a fleet yourself. ”

"Another point is also very critical, that is, your head office, not only to improve production capacity, but also to improve quality, how to do this, you also have to plan specifically. ”

"For example, you have to be clear about how far you need to improve, how much time you need to spend and how much time you need to make, and follow the plan you have made!"

"In the end, you must choose the investment of publicity, the delivery of various platforms, and the mode of advertising and promotion!"

"As for your funds, you can't spend them all, you still need to keep some to prepare for accidents!"

(End of chapter)