Before coming to Tangshan to set up a branch, Wei Liang did a lot of research work and had a general understanding of the situation in Tangshan. It can be said that it is the pillar of Hebei's economic strength, and heavy industry, especially the steel industry, plays a pivotal role in the whole country, which is also the goal set by Wei Lianglai before.

However, the reality is cruel, it has not been more than a year since he came to Tangshan, and there is only one iron and steel company that has really borrowed money from them, and this company is indeed on the verge of life and death, which makes Wei Liang quite embarrassed. Other small amounts of loans do not create much benefit to the company, but they also allocate corresponding manpower for supervision.

Now that Chen Shu says that he has a plan that can bring convenience to both sides, and that banks can solve regulatory problems without spending too much manpower, then this method is definitely worth promoting among steel trading companies in Tangshan, and then opening up the company's loan business in the steel trade.

Tangshan is the country's iron and steel town, the most indispensable is the iron and steel enterprises and related industrial chains, the downstream steel trading companies are many people, every year do not know how many new companies are registered, many old companies go bankrupt. Among them, there are countless banks that cannot recover loans, which is why they dare not lend on a large scale after coming to Tangshan.

"Song Xincheng said that you have a set of plans that can maximize the bank's loan limit without increasing the bank's risk, why hasn't anyone thought of this method before?

"I think our bank must have a cooperation agreement with the security company in Tangshan, and if necessary, send security forces to ensure safety, right?" Chen Shu asked.

"It's inevitable that every bank will have cooperation in this regard, which includes escorting cash and valuables. What does this have to do with loans?" Wei Liang couldn't think of a reason.

"Most of our steel trade loans are used for operation, and a large part of them are operated as inventory. If we pledge the inventory, we will not be allowed to sell it again if the remaining inventory is not enough to replace the loan amount. Do you think there is still a risk in doing so?" Chen Shu's question is very simple and straightforward, it is the simplest pledge.

"There is certainly no risk, and even if there is a risk, it will not cause much loss. Wei Liang said.

"Do you think it's difficult for the security company to find someone close to retirement age to supervise these things, just count them in the morning, and then supervise the day's shipments and purchases?" Chen Shu asked very well.

"Because it should be very simple, I'm afraid that with a salary of two or three thousand per month, some people want to do it!" Wei Liang thought about it briefly and gave such an answer.

"If the security company is responsible for arranging this person, they don't have to pay this person's salary, your company is responsible for paying the salary. If the value of the inventory is close to the mortgage, let the lending company stop selling, and if it refuses, mobilize forces from the security company to force the sale, I don't think the security company will refuse, right?" asked Chen Shu.

"We're going to be able to use our forces, because we'll pay for it once...... , I understand, I understand!" Wei Liang laughed, this method is equivalent to calling a third-party force to help supervise the collateral, and he only needs to pay his salary, and the amount is very low.

Seeing that Wei Liang had entered a state of thinking, Chen Shu did not urge, at least to prove that his method was extremely feasible, and would also maximize the amount of the loan. After all, the amount of the loan is determined by the amount of collateral available, otherwise the bank will definitely not be able to lend you more than the amount of the collateral value.

What if the other party uses the loan to buy inventory and also use it as collateral? Does this amount of money be infinitely magnified as collateral? This is indeed the case, the bank can lend the maximum amount of loan with the lowest risk, while the other party barely uses its own funds and uses all the loans to make inventory.

"Your plan is really feasible and beneficial to both of us. Special case, I want to ask how much you want to borrow?" Wei Liang has been moved by Chen Shu's method, and as the provider of this method, Wei Liang also intends to do his part.

"Ten million, according to my inventory, you can lend me in two batches! It can't be any less, any less will make no sense to me!" Chen Shu said his bottom line, if according to the original bank loan rules, this amount is no different from dreaming.

"I thought you were opening your mouth, and I was okay with this amount, and it was disbursed in two batches. If I really want to borrow 20 million or 30 million, I really can't do it. You can also see our current situation, and I'm more pragmatic, so don't be surprised!" Wei Liang smiled and said his thoughts truthfully.

"I know my current situation, and if I am not completely sure, I would not dare to borrow so much. If this partnership is very successful, I don't mind building a long-term relationship. Chen Shu responded with a smile, which can be regarded as the idea of repaying the favor.

"Oh! We very much welcome a promising friend like you, after all, opening a company is not a one-time deal, and we are willing to cooperate for a long time! When do you plan to open an account with us?" Wei Liang asked.

"The sooner the better, after all, I've been thinking about this, and I'll be relieved if I approve it early, and I can rest assured when I see the opportunity, I don't have enough food and grass to have no confidence!" Chen Shu said half-jokingly.

"Okay, you go to Song Xincheng for this matter, I'll tell them, everything will be done for you, and I will arrange someone to handle it immediately from the security company." They must be happy to do this, who doesn't have an old man who has nothing to do at home?" Wei Liang smiled.

"This is Song Xincheng's performance, as long as you don't run, he won't have to worry about eating and drinking in the future!" Wei Liang said half-jokingly, and Chen Shu also had a bottom in his heart, at least now it seems that there is no problem.

After coming out of here, Chen Shu called Chen Shirong and asked him to arrange for finance to take the materials of Rongwei Industry to Minsheng Bank to open an account. At first, when the financial staff was asked to help manage the finances of Rongwei Industrial, the financial staff was very unhappy, but they didn't say it, but when they heard that Chen Shu paid them 500 salaries alone every month, they no longer considered this problem.

After all, it's not so busy now, it's easy to do these things, and you can earn an extra five hundred yuan for nothing, so who minds doing more of this. Chen Shu explained well, he came to the bank to find Song Xincheng, he would do special things, and he would do it soon, and the finance would naturally not worry about too many long-winded things.

Although the division of property was not announced, it was sent to each company in the form of a notice for the convenience of both parties. Wang Zilan was appointed as the general manager of Tangshan Shenghua Steel Pipe Co., Ltd., and Wang Shoucheng was naturally appointed as the general manager of Tangshan Shenghua Steel Pipe Trading Co., Ltd.

Although this is the case on the surface, in fact, there is one thing that has been brewing silently, from the moment Chen Shu left the Shenghua Steel Pipe Trading Company, it has germinated, and it is getting tighter and tighter when it comes to the real results. It's just that this result, whether you like it or not, someone has to accept it.