Gu Tiande was surprised, "Wang Chong, you don't agree with the business of the Bird Breeding Society, Tianma Group's Baicheng New Materials Company's business, the other party first deposited a full margin of 200 million, I have calculated, although it is only three months, it will be put in accordance with the benchmark interest rate, counting the income of the same industry, the interest is nearly more than two million, our bank has made money, the corporate statements are also good-looking, and the stock price is stable, this kind of win-win business, why not do it? What you can do, I can't do?"

Wang Chong said, "These two are not the same. ”

"What's the difference? The money of the 4S store is money, but the money of Tianma Group is not money?"

Wang Chong felt that Gu Tiande was a little anxious for quick success for the sake of performance, he said: "Liu Xueyi's acceptance is because they have a real trade background, and in last week's post-loan inspection, they did buy dozens of cars, and in the recent auto show, more than 20 cars have been sold, and nearly half of the funds have been returned." ”

Liu Xueyi is also a shrewd businessman, he uses this acceptance method to pay for goods, can effectively plan the cash flow of the enterprise, as long as the upstream customers can buy a car discount can be higher than the discount loss, can save a lot of money, and the return of funds can continue to do financial planning.

This is similar to the business of Tianma Group, the only difference is that Liu Xueyi has a normal and real trading background, while Tianma Group is only for financial report data, not to mention that they can't sign a guarantee contract on the surface.

Gu Tiande was a little displeased, "Wang Chong, you don't take me as the president of the bank too much." ”

Wang Chong shrugged his shoulders, "President Gu, Donghua's loan management measures require that when we investigate loans, the account manager must be independent, objective and fair, and I have not targeted you. ”

Gu Tiande hated itchy, "Okay, if you don't participate, then I'll find another account manager to do it, you always have no opinion, right?"

Even if the counterparty does not fulfill its repayment obligations, according to the drawer agreement, Donghua Bank still has the authority to deduct 200 million yuan of deposit, Wang Chong said: "I do not encourage it, nor do I oppose it." ”

……

In the afternoon, when he returned to the office, Wang Chong found that Kang Wan of Tianma Group was waiting in the office, Zhang Feifei was chatting with her, Kang Wan was also a top student of Donghua University, one year younger than Zhang Feifei, and the grades were similar, and the two were also more topical. Seeing Wang rushing in, Kang Wan hurriedly stood up, "Director Wang, hello." ”

Wang Chong motioned for her to sit down and returned to the desk, "Manager Kang, what's the matter?"

Kang Wan hesitated for a moment, and then said to Zhang Feifei, "Brother Zhang, can you let me say a few words to Director Wang alone?"

Wang Chong stopped: "No, you can say anything to your face, there is nothing to avoid." ”

At this time, Zhang Feifei's mobile phone rang, and his courier arrived, so he said: "You talk first, I'll go pick up a courier." After leaving the office, Wang Chong went to the water dispenser and poured a cup of white for Kang Wan, and then filled his thermos cup.

Kang Wan got up and took it, thanked him, and sat professionally on the third of the sofa in a left-hand point sitting position, with her hands on her right legs, and her body looked at Wang Chong to the right.

Tianma Group attaches great importance to social etiquette, and specially taught them social etiquette in the induction training of Kangwan, she is a tall beauty with slender legs, and looks extremely elegant under professional wear and stockings, which is difficult to make people disgusted.

Wang Chong returned to his seat and said, "Manager Kang, please tell me if you have any questions." ”

Kang Wan said: "I came to Shunfa Aluminum for the loan, in the early stage, Director Su and Brother Zhang communicated with us and collected information, put forward a few conditions, don't have a big problem, only let Chairman Qi bear unlimited joint and several guarantee liability, Director Wang to see if you can be accommodating?"

Wang Chong took a sip of water and looked at Kang Wan quietly, this little girl is not very old, she speaks generously and decently, I don't know how many times stronger than myself at the same age, he asked with a smile, "What? Chairman Qi does not agree to guarantee Shunfa Aluminum, is it because he has no confidence in his own company?"

Kang Wan showed a professional smile, "That's not it, our Chairman Qi has now taken a back seat, and the affairs of the group are basically not involved, all the business is mainly handled by our President Mr. Qi Beiwang, he is over sixty years old, and it is not appropriate for him to be a guarantee at this time, right?"

Wang Chong thought that not long ago, Qi Beiwang was still chasing Ma Xiaoxiao, a rich second-generation style, and his president was just a false position. The real rulers of Tianma Group, in addition to Qi Beiwang, also have the three elders of the entrepreneurial period, namely Li Shuyang, Liu Jinghua, and Wen Maofeng. It is said that there are also many factions within the Tianma Group, after all, an enterprise with assets of hundreds of billions of dollars, the entanglement of interests involved in it may be more complicated than that of Donghua Bank.

Wang Chong glanced at the stacked loan application materials of Shunfa Aluminum on his desk, these are just the financial reports of Tianma Group and its subsidiaries and affiliated companies, and there are more than a dozen dense pieces of straw paper next to it, which is Wang Chong's preliminary analysis of the financial situation of Tianma Group in the past few days.

Wang Chong said to Kang Wan: "I didn't let all the shareholders of Tianma Group holding more than 10% bear unlimited joint and several liability, which is already very face-saving." Manager Kang, don't force me to change my mind!"

Kang Wan listened coldly, and before coming, Zhao Xiaocheng personally advised, "Regarding this business, Wang Chong proposed other conditions, you can agree, even if Wang Chong asks you to sleep for three days and three nights, you have to agree, there is only one thing, let Chairman Qi guarantee the matter, it is absolutely not negotiable, otherwise you will come to me with your resignation letter!"

"Director Wang, isn't this difficult for some strong people?"

Wang Chong stood up, came to the window, looked at the labor market not far from the window of the Chengdong Branch, and said with emotion, "Look at these people outside the door, bustling, busy running around for a small profit, while some people are sitting there, drinking tea, there are ten times or even a hundred times their income, why is this?"

Kang Wan was puzzled: "Is it because of the unfairness of the social distribution system?"

Wang Chong shook his head and said with a smile, "No, this society is very fair. It has never closed the door to any of us, twenty years ago, Qi Zhongyuan was not also a laid-off worker, the difference between him and others is that he dares to think, dare to do, dare to break through, dare to take responsibility. But now that the company is getting bigger and bigger, why is your Chairman Qi's courage getting smaller and smaller?"

Kang Wan was stunned, Chairman Qi Zhongyuan was almost a god-like existence in his mind, a representative of the H Provincial People's Congress, a person who could sit on an equal footing with the city leaders, but Wang Chong called him by his name, and even evaluated him as a cowardly, cowardly person who did not dare to take responsibility.

Kang Wan didn't dare to answer, Wang Chong continued: "I have read the financial reports of your group, except for several listed companies and Shunfa Aluminum, which is about to be listed, the financial situation of several other companies is not ideal, and after the consolidated statements, the profits of the parent company are far lower than the profits of listed companies, Manager Kang, this is hundreds of millions of money, it is the people's money, I have to be cautious." ”

Of course, there are still some problems in this set of financial reports, and Wang Chong did not tell him.

Generally speaking, enterprises have a number of sets of accounts, some are for the tax authorities to see, some are for the bank to apply for loans, and some are for the boss and shareholders, the company's finance is good at taking advantage of the loopholes in the policy and the defects in the accounting account entries, to find out these need a lot of energy, which is why Wang Chong insisted on the report of the four major audit firms.

Kang Wan said: "Can it be replaced with other conditions?"

Wang Chong thought for a while, "With the mortgage of all the unmortgaged land, plants, and equipment of Tianma Group, as well as the equity pledge of a listed company, will Qi Zhongyuan agree?"

Kang Wan's face was pale, Wang Chong put forward this condition, a little ruthless, she thought that Wang Chong would be like Gu Tiande, and take the opportunity to ask for a benefit fee, but from beginning to end, Wang Chong always analyzed from a business perspective, without even the slightest hint.

Kang Wan stood up, came to Wang Chong, leaned over to Wang Chong, and pretended to be pitiful, "Mr. Zhao said, if you can't talk about this condition, I will immediately roll up the bed and leave, he looks kind and kind-hearted, and he does things very well, so we are all alumni of Donghua University, and you are my senior, you can't watch people lose their jobs, right?"

Wang Chong couldn't help her move, and hurriedly stepped back, "What are you going to do?"

Kang Wan raised her head, looked at Wang Chong with delicate eyes, and asked, "Senior, do you think I'm beautiful?"

A cold wind blew, Wang Chong was excited, he pushed Kang Wan away, Kang Wan took a few steps back, sat on the sofa, ashamed and angry, ashamed that he was ready to seduce Wang Chong, angry that Wang Chong didn't appreciate it and pushed her aside, she felt that it was a shame.

Wang Chong said coldly: "If I guess correctly, as long as I agree to modify the credit conditions, even if I let you sleep with me, you can make it, right?"

Kang Wan stubbornly held her head high, her lips closed, and she refused to speak. Not long after, two lines of tears flowed out of Kang Wan's eyes, Zhao Xiaocheng's slap and reprimand, family conflicts, Wang Chong's refusal, all kinds of feelings were mixed together, and finally broke through Kang Wan's seemingly strong shell, wow, and cried.

Zhang Feifei heard the crying, came to Wang Chong's office, looked at Kang Wan's hair was a little scattered, thought that Wang Chong had done something to her, and asked in a low voice, "Master, what's wrong with you? ”

Wang Chong said, "It's okay, it's just about business." ”

Zhang Feifei muttered, "I can talk about business and cry." ”

Wang Chong snorted, "I said, is your kid itchy skin lately, isn't it? It's not too early, send Manager Kang back." ”

Pushing open the door, I saw several employees leaning against the door eavesdropping, Wang Chong couldn't help but say angrily, "Look at what, hurry up and work for me!"

At this time, Ma Xiaoxiao's voice was heard, "Wang Chong, who provoked you, why is the anger so big?"

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