Chapter Two Thousand and Five: They Won't Lend You
The new week is coming, and there are only three days left until the end of the month, and in fact, there are only three days left until the end of the year.
As soon as he went to work in the morning, Chu Tianqi began to go to the bank. After most of the day, all four banks arrived, and in three of them they met the leaders in charge, and one bank leader went on a business trip and did not see them.
Although I met with the leaders of the three companies, as in the case of not meeting them, the entire formalities and evaluation work did not progress substantially. The evaluation work of two of them is still in progress, and it is still unknown when the results of the initial evaluation will be available, and the other party's reply is still "wait a minute".
Only one credit department gave a preliminary opinion, but the results were very bad: the project was very unsuitable for the bank to lend. Although the conclusion was already very unfavorable, the other party still said that he would try his best to help fight for it, and asked Chu Tianqi to "understand a lot and wait".
After getting the preliminary conclusion of this family, Chu Tianqi seemed to have seen the assessment results of the other ones, and was more aware of the fact that the situation was not optimistic. It is no wonder, not to mention the overall prospects of the project, how can the bank not be cautious when several key procedures have not been completed in the procedures required by the bank?
The last one I went to today was the Hexi Provincial Branch of the Land Transportation Bank, and I said goodbye to Vice President Qian, and Chu Tianqi got out of the bank and came to take a taxi on the street.
On Saturday, Chu Tianqi sent Yue Ji to the capital first to run errands, and he would not be able to come back until tonight. When he came out, he was too lazy to drive, so he just took a taxi to get out.
Looking at several rental cars in the past, Chu Tianqi beckoned, but the car didn't stop, and there were all people in the car.
"Woo......" A cold wind blew, rolling up the dust on the ground.
Chu Tianqi subconsciously turned his back, but still squinted his eyes, so he raised his hand and rubbed it.
"Didi......" The sound of the car horn sounded in my ears.
Turning his head to look at the side of the road, Chu Tianqi found that a car had just stopped beside him, but it was not a taxi.
Who? Chu Tianqi looked into the car, but there was sunscreen on the car, so he didn't look in. I was thinking about whether to look through the front windshield when the front passenger window rolled down.
"It's really Mayor Chu, do you want to come up?" said the man in the driver's seat.
At this time, Chu Tianqi had already seen who the driver was. After a little hesitation, he said, "Director Ouyang is busy, I can take a taxi." ”
"Come on, it's also my honor to serve Mayor Chu once, Mayor Chu shouldn't be too bureaucratic. The other party said with a smile.
It would be too hypocritical to excuse again, Chu Tianqi was no longer polite, took a step forward, opened the car door, and sat down.
The driver was none other than his former friend, Ouyang Yujie, the former director of the Yuchi County Rural Credit Cooperative.
"Does Mayor Chu have time?" asked Ouyang Yujie as he started the car.
"Now?" After asking rhetorically, Chu Tianqi replied, "I'm not busy." ”
"Go sit with me. Ouyang Yujie said, driving the car forward.
"Okay. Chu Tianqi replied.
Cars move through traffic, going straight, turning, crossing, and rushing to their destination.
Except for the simple dialogue at the beginning, Ouyang Yujie stopped talking, as if he was concentrating on driving.
Chu Tianqi didn't say anything, but thought about things in his heart.
Speaking of which, Chu Tianqi and Ouyang Yujie have known each other for a long time, Ouyang Yujie is the first noble person after he stepped into his career, and he once provided important help when he encountered difficulties at work. Of course, there is Ouyang Yuna's factor in this, but the other party's help is also real, otherwise it will be difficult for him to open up the situation.
It's just that later, because the family objected to Ouyang Yuna's contact with Chu Tianqi, Ouyang Yujie and Chu Tianqi deliberately kept their distance. Sometimes he had to stand on the family side and pass some information or warnings to Chu Tianqi. In this case, the relationship between the two is naturally estranged. Moreover, Chu Tianqi was not willing to have more contact with the people of the Ouyang family, he was not ready to accept Ouyang Yuna's feelings, so why would he do something that would make everyone embarrassed?
Since Ouyang Yuna married Ming Ruoyang, and Ouyang Yuna was injured and in a coma, Chu Tianqi was even more reluctant to see the Ouyang family, he hated the Ouyang family. Especially since he had several contacts and collisions with Ming Ruoyang, he recognized the face of the young master of the Ming family more clearly, and he hated the Ouyang family even more, thinking that they pushed Ouyang Yuna into the fire kang.
In comparison, Chu Tianqi didn't equate Ouyang Yujie with his family, he understood Ouyang Yujie's difficulties, and Ouyang Yujie didn't do too much. But due to many factors, there is still a strong embarrassment between the two, and there is also a certain estrangement. In recent years, the two have basically lost contact, and after the other party did not reply to his New Year's message, Chu Tianqi never bothered each other again.
The car suddenly braked suddenly, Chu Tianqi almost knocked on the front windshield, and his thoughts were pulled back.
"Damn, rushing to find death, don't have long eyes. Ouyang Yujie slapped his right hand on the steering wheel and scolded hatefully.
Chu Tianqi saw that a big white off-road was crooked and inserted into the front of the car, and the body was continuing to twist, obviously going around the car in front of it.
Ouyang Yujie started the car again, turned around the fork on the right after a while, and drove towards the building with the words "Credit Union" on the roof.
Soon, the car entered the compound of the Provincial Credit Union and parked in the parking space.
"It's here. Ouyang Yujie said, pulled out the car key, and pushed open the car door.
Chu Tianqi also pushed the door and got out of the car.
The two followed, walked into the building, and entered the elevator, which stopped on the sixth floor.
In this process, all men and women wearing uniform will call "Director Ouyang" with a smile as long as they meet Ouyang Yujie.
……
Out of the elevator, under the guidance of Ouyang Yujie, Chu Tianqi entered the director of the credit department's office.
Motioning for Chu Tianqi to sit down on the sofa, Ouyang Yujie poured tea and water.
Chu Tianqi glanced at the furnishings in the room. The house is not too big, but the whole decoration is very classy, highlighting the characteristics of the "rich" unit.
The signature on the front desk shows that Ouyang Yujie is the director of the credit department of the Hexi Provincial Credit Union.
Seeing the word "credit", Chu Tianqi couldn't help but think of the loan, but it was only an instant, and he waved away this idea.
When he first went to the province to take out loans, Chu Tianqi never thought about going to the credit union. The original intention of the establishment of the credit union is to serve agriculture, rural areas and farmers, and although the business has expanded a lot, it is still the core task to support the "three rural" areas. Even if they do not specialize in the "three rural" business now, it is clear that the credit union does not have the ability to support the lending of trunk roads, and has never done so.
Of course, even if the credit union had this kind of business, Chu Tianqi was not ready to have such an interaction with Ouyang Yujie. It's not that he holds a grudge, but he knows that once there is this kind of cooperation, Ming Ruoyang will inevitably hold a grudge against the Ming family and vent his anger to Ouyang Yuna.
"Come, drink tea. Ouyang Yujie put the teacup on the coffee table and sat on the sofa next to him.
Smiling at the other party, Chu Tianqi said "thank you".
Ouyang Yujie said with a smile: "Mayor Chu is in a high position, and he is still standing on the side of the road waiting for the car, this is too low-key, right? ”
"The driver has not been there for the past two days, and I am too lazy to drive, mainly because it is too troublesome to park, and sometimes there may not be a place for half an hour. Chu Tianqi told the truth, and then asked, "When did you arrive in the province? The last time we met was in the city." It didn't take long for you to be promoted to the leader of the provincial association. ”
"I'm still called an official? I'm a standard errand runner, and I just returned to the province this year. However, Mayor Chu, who has not seen him in just a few years, has become a department-level leader, which is really gratifying. Ouyang Yujie's tone was teasing, "You don't blow the air conditioner in the office, why did you go to the street to blow the cool breeze?"
"Eh, I'm going to beg grandpa to tell grandma. From December ...... "Chu Tianqi did not hide it, talked about the matters of these days, and also talked about the current situation.
After listening to it all the time, Ouyang Yujie shook his head with a smile.
"What's wrong?" Chu Tianqi was puzzled.
"They will never lend you money. Ouyang Yujie said very surely.
"No?" Chu Tianqi didn't understand why the other party was so sure, but he knew that it would definitely not be "peers light", but he also wondered why Ouyang Yujie said this.
Ouyang Yujie further said: "They don't have this right. ”
"Such a large loan amount must be approved by the head office, but it also has to be operated by the provincial bank. Besides, they have all taken the formalities and are also moving forward. Chu Tianqi put forward a different view.
Ouyang Yujie replied: "It's up to the provincial bank to operate, which is true, but it's not such a procedure." For such a large project, the respective top head office must first decide whether to do it, and then instruct the provincial bank to carry it out. Your current program is reversed and does not conform to the conventions of the various lines.
However, each bank has its own approval authority and approval conventions. Since the Supreme Head Office has the right to approve and approve, they must make good use of this right and be responsible for their own approval. Now the whole country is engaged in large projects, and large projects have also found these head offices, and the amount of loans is far less than the amount needed. In this kind of situation where there are many wolves * little meat, the customers who find the door in person can't be lined up, how can the head office take care of the provincial project?
The nature of our unit is different from that of these state-owned banks, but they are all financial, and I am very clear about these rules for them. How can the provincial branch not know? But they took your formalities. This is mainly based on three considerations: one is that they also have the will to do this business, although there are few successful precedents, but they still want to 'win the lottery', in case it happens, it is a big performance. Even if it doesn't work out, they don't have anything to lose. The second is the psychology of possession, they are afraid that others will rob the fat, as long as other provincial banks do it, then the proportion of their own bank's business will be greatly affected. The third is to make friends. They all know that you are not an ordinary person, and this is illustrated by the fact that you are almost received by the vice president himself. ”
"Really?" Chu Tianqi hurriedly asked.
Ouyang Yujie nodded: "It's absolutely true, don't delay any longer, you should find the head office next." ”