"Mr. Wang, is your report really from Citibank?" Du Houbing looked at the numbers on it, it was too dazzling.

How can that Anjie company be worth more than 700 million? And the value of a brand alone has been assessed to 500 million, isn't it a joke!

Brands are just intangible assets, how can intangible assets be so high, and it's okay to be sure of this report?

"The official seal on it belongs to Citibank, and I specially asked the other party to make both Chinese and English versions, is there any problem? If ICBC is not convenient, I can go to Citibank for a loan. ”

The reason why I asked Citibank to do asset appraisal was to prepare a way out for myself. If the mainland bank refuses to lend too much, then go to Citibank for a loan.

"What did Mr. Wang say, didn't he say that he would take a loan from our ICBC. And we give lower interest on large loans, which Citibank can't match. ”

"Mr. Wang used all the shares as collateral and took out a loan of 100 million, right, I will report this matter to the president, it should be no problem. Du Houbing gritted his teeth and agreed.

According to the procedure, he did not violate the rules by doing so, and the loan of 100 million yuan was also the result of him, the vice president in charge of credit, and he believed that Wang Haoan would definitely repay it.

"Wait a minute. President Du, how do I remember that you told me that you can give 80 percent of the mortgage loan? The shares I hold in Anjie Company are worth 360 million yuan, so how can I also borrow 28 million yuan? ”

"The king is always not miscalculated, your assets also include liabilities. ”

"Oh, I didn't consider this, then I can also borrow 250 million, right?" Wang Haoan looked like you were right, and I corrected it.

"Mr. Wang, normally we have mortgages, and we should consider risk control. Therefore, the larger the loan, the lower the proportion, more than 100 million, even if it is a state-owned enterprise, the proportion is 70 percent. ”

"Besides, what are you doing with so much money, your food company, 100 million is not enough to expand?" Du Houbing couldn't imagine that Wang Haoan would want to borrow so much, what is this to invest in, so he is not afraid of losses?

"There's no way, the political axe wants me to expand, and Lu Qu has called me a few times. Also, I really want to expand, and our products are selling well in the south, so I can't let go of the market there. ”

"Actually, I think it's less than 2.5 billion, if there are 3.5 billion. Manhan Food can become the largest private food company in the country, and it will not be a problem to even compete with state-owned enterprises in the future. ”

Now the more loans, the more cost-effective, and you can carry out industrial layout faster, expand channels, and occupy the market. With three or five hundred million, Manhan Food can sit in the position of the boss of the snack industry, and become the boss, and it can have the greatest right to speak, even including pricing power.

Of course, he knows that it is difficult to lend so much, but he must get the highest amount, so that he can use unrestrained promotion and sales methods to completely gain the upper hand and occupy the market.

When any industry rises, a large number of followers will emerge, and when peers begin to compete, some companies with insufficient funds will be eliminated.

Whether it is the competition of sales channels, or the competition of advertising, or the competition of promotional methods, it is necessary to burn money. Those peers who are not strong enough may be merged if they are lucky, and they can only go bankrupt if they are unlucky.

And he didn't lie, Lu Guangyao did call him and ask why Anjie was expanding so fast, while Manhan Food was stagnant?

At this time, every ruler hopes that the economy will prosper under his rule, so that he can reflect his ability and be valued by the leaders above, so as to soar.

In the future, how many rich people who will rise at this time will become bigger and stronger under the requirements of the political axe, and then collapse with a bang. For example, Shi Dazhu's company, such as Asia Mall, there are too many examples of this kind.

However, Wang Haoan is different, he didn't think about blind expansion, but the equipment he wants to buy is really expensive. And he also asked someone to do some industry research, thinking that the time was ripe.

When those two become bigger, he will become a challenger and be squeezed out by others, and the cost at that time will be much more than what he does now.

Du Houbing felt a pain in his brain, he had just promised a loan of 100 million, and in the blink of an eye, Wang Haoan would ask for 300 million or 500 million, how could this be.

Although it is said that lending is his achievement, and the more he lends, the greater his credit, but also consider the risk. This time he lent a lot, and he might be able to get promoted because of this, but if something happens in two years, will he still be implicated?

Now that he has come to power, he has heard that he will thoroughly inspect the bank accounts of the whole country, the wind direction is about to change, and he must also think about his own future, not just look at short-term interests.

"Mr. Wang, this really can't give you so much loans, one point and five hundred million, I will directly give my bottom line. ”

"Two and a half billion can't be less, this is also my bottom line. I said, ICBC won't give loans, I'll go to other banks. Don't say that foreign banks have cumbersome loan procedures and high interest rates, and ICBC is not the only one in the mainland. ”

There are many banks that are willing to give me loans, and I don't have to take out a loan from your ICBC. Although ICBC has the simplest procedures and the largest amount in this regard, in fact, those local banks are more daring.

"Mr. Wang, other banks don't dare to lend you so much, your net assets are too low in this asset appraisal report. ”

"So what? The report is compliant and conservative. Our AnJie company is the first in the mainland industry, and its profitability will continue to rise in the future, and even now we have not stopped expanding, are you worried that I will not be able to repay the loan?"

"This loan is a very large amount, which is the largest number of private enterprises in Longjiang, but our enterprises are more dynamic than those state-owned enterprises, so should private enterprises be lower than state-owned enterprises?"

Many loans of state-owned enterprises do not need collateral at all, and even the political axe says hello, and the loan is given here, and there are actually a lot of bad debts and bad debts.

AnJie Company is much stronger than many state-owned enterprises, and it is on the rise, why can't it borrow 250 million?

"President Du, you give me a loan, it's also your political achievements, why don't you want the political achievements sent to your door now? Or does President Du want something else?"

Mr. Wang said cautiously. Du Houbing's face changed: "Your quota is too big, I have to report to the president to decide." If you can't approve it, please forgive Mr. Wang. ”

"It's okay, if I can't approve it, I'll go to another bank, and I hope to give me a reply within five working days. If President Du has other requirements, just talk to me and leave. ”

Du Houbing looked at the asset appraisal report on the table, and thought about the old bank president who was about to reach his age, why don't you try?

Poor four said

Fourth, that's all for today. The heating company said that I should change the heating, so why didn't I clean the water inlet valve?