"Dividends? It's not the end of the month yet, are you in a hurry to use the money?" Guo Jijie is a little strange, the dividends in the first quarter have been distributed, each person has shared more than five million, this is less than a month, why does Wang Haoan want to pay dividends again?

"It's a waste of money to put in the account, anyway, our sales are very good this month, and the sales of youth shirts are rising, so let's pay dividends in advance." I really need money, and I need a sum of money from Manhan Food Company. ”

"Well, I agree. If you don't have enough money, I can lend you two or three million for a month or two. Guo Jijie said generously.

Wang Haoan's food company, it seems that the development is okay, I heard that the festival gift package has been sold to the south, and the profit should not be low, so it is said that it is going to open a branch?

"Besides, if it's really not enough, I'll talk to you. ”

Wang Haoan didn't want to borrow from Guo Jijie, because Guo Jijie didn't have much money in his hands. The first quarter dividend is a lot, but Guo Jijie spends money lavishly, and there will not be too much cash left in his hand.

This time the dividend was distributed in advance, and Wang Haoan received more than 2 million. Coupled with the cash withdrawal of Manhan Food, he can use less than 10 million, which is not enough at all.

But the solution he had already thought of, again took a loan from the bank.

……

"President Du, I want to repay the loan early. Wang Haoan sat in front of Du Houbing and said his purpose.

"Ah, repay the loan early, it seems that Mr. Wang's business is doing very well, okay, I'll let someone go through the procedures for you." Du Houbing was stunned for a moment, he has seen a lot of people who have defaulted on loans and have not repaid them, and it is really rare to repay loans in advance, especially this kind of low-interest large-amount loans.

"There is another matter that I want to trouble President Du, and I hope to borrow another loan from your bank. And this time I want to borrow more, and I ask President Du to help me a lot. ”

"You repay the loan in advance, just to take out another loan, how much do you want to borrow?" Du Houbing frowned, so the amount of money Wang Haoan wanted to borrow must be very large.

Wang Haoan stretched out a slap: "Fifty million." ”

Du Houbing's hand holding the teacup trembled: "Fifty million! What are you doing with so much loan?"

He thought that Wang Haoan might have to borrow one or two hundred million, although he gave Wang Haoan a lot of loans, but he was not worried that the loan would not be recovered, whether it was Anjie Company or Manhan Food, business was very good, and profits were rising, which could be seen from the increase in funds in their accounts every month.

But why do you need to use 50 million, what is Wang Haoan going to invest in?

"I'm going to buy a stake in another company, so there's a lack of capital. I paid off the loan of Manhan Food, and used the shares of Manhan Food as collateral, hoping to borrow 50 million yuan for the development of the company. My ability to repay, don't Governor Du believe it?"

"This, it's not that I don't believe it, but your assets of Manhan Food are not worth so much, it's too difficult to borrow 50 million, I can help you do it with 20 million." ”

Although it is said that at this time, the bank stimulates the lending business and the review is relatively loose, but the necessary procedures still need to be in place, and the gap should not be too large.

"Twenty million is not enough, I need fifty million. My bank account flows, President Du is clear, is 50 million really too much?"

"If your bank can't lend me so much, then I can go to other banks and trust that they will be willing to lend me money. In the future, our company's account will also be transferred to other banks. ”

"Mr. Wang, look at what you said, did I say that it must not work? Isn't this a way for you to find a way? You ask me to think about it, how to operate for you, I can borrow 50 million. ”

If such a big customer runs away, he doesn't even want to be promoted. It's just that 50 million is really not a small amount, and it seems that it is too easy to find out if you make a fuss about asset evaluation.

In fact, there are many ways to take out loans, in addition to mortgage loans, there are also credit loans, which are to evaluate the credit rating of enterprises or individuals and give certain unsecured loans.

The operation space of credit loans is relatively large, and many bad debts and bad debts in the future are credit loans, so in the future, many banks will become much stricter in the review of credit loans, and even some banks have directly abolished this business, but at this time, basically all major banks have similar models.

It's just that credit loans are generally small, and Du Houbing has never operated such a large amount, and he doesn't know if he can pass the above review.

But he is really not worried about Wang Haoan's ability to repay, the business efficiency is very good, and in the long run, the development momentum is also good, but there is no tax record, after all, Wang Haoan's enterprises are still in the tax holiday period at this time.

The second way is a personal guarantee loan, that is, to find a guarantor, this guarantor must have sufficient repayment ability, the amount of 50 million, and the net worth of the guarantor must exceed 50 million.

"Mr. Wang, can you find someone to guarantee you? If you can, then I can help you borrow 50 million. ”

"How?"

"With your Manhan food assets as collateral, plus your personal creditworthiness, and another person with assets of 50 million to guarantee you, I can lend you 50 million, and the interest rate will not be very high. ”

Personal guarantee?

"Is Guo Jijie okay?" Wang Haoan felt that the most suitable one was Guo Jijie, and he was sure to persuade Guo Jijie to vouch for him.

"Mr. Guo's net worth seems to be less than 50 million, right?" Du Houbing frowned, couldn't Wang Haoan find someone else to vouch for?

"Anjie company's assets, aren't they worth 100 million?" Anjie company, as the largest garment company in China at this time, has the largest number of stores, the largest number of workers, and the brand awareness has also risen to the first, not to mention 100 million, in the eyes of those big businessmen, doubling is no problem!

"But AnJie's debt ratio is not low, isn't it? Moreover, Anjie has already borrowed 20 million from us, and it has not been repaid yet. ”

"I use the shares of Anjie Company as collateral, how much can you give me a loan? If you still say no, I will go to an overseas bank and take a loan from Xiangjiang, and I promise to be able to borrow 100 million yuan!"

How do you evaluate this, in your eyes, AnJie is so worthless? That brand is worth hundreds of millions!

"That has to go through a detailed asset appraisal, and I can give you 80% of the appraised value!"

Eighty percent? Wang Haoan's eyes lit up, this is great!

"Is it okay for the appraisal company in Xiangjiang? For example, the appraisal report of Citibank or the appraisal report of Standard Chartered Bank, do you approve it?"

"Do you want to find an appraisal company yourself......?

"That's fine. President Du, prepare 100 million funds!"