Chapter 42 Planning Loans

After going through nine hundred and eighty-one difficulties, I also invited a Bodhisattva in the middle, and finally reported the name of the driver's license.

It's really not easy to do something in this society, but fortunately, I have some connections and connections now......

"Master, go to the Yaodong vegetable market. ”

"Okay. ”

Ten minutes later, the location was reached.

The Yaodong vegetable market is the vegetable market next to Xiao Fei's original dormitory, and Xiao Fei came over to see if the "Da Lao Wang Tu Restaurant" has opened.

In fact, the thief's heart is not dead, see if you can see Sun Aimei again.

People are like this, and they will cherish it when they lose it.

For Sun Aimei, although Xiao Fei has never gotten it, he has been so obscene......

When I came to the "Da Lao Wang Tu Restaurant", the door was more broken, and the wall was splashed with more paint.

It seems that this time Wang Fatzi was really planted and ran away completely.

Hey, it's a pity, it's a pity......

Xiao Fei has always coveted Sun Aimei's super fertile field and never forgot it.

It's completely dead now......

Find a small restaurant to worship the five internal organs temple.

Go back to the office and take a lunch break.

Once people get used to taking a nap, they will be sleepy and panic when they don't sleep.

Meimei slept and woke up on time at half past two.

Xiao Fei recalled the real operation of Tongqing Building provided by Li Shaohui before.

Now we have to plan carefully, how to get the 13 million loan approved from Huaxia Bank of Communications.

A period of hard thinking and meditation murdered hundreds of millions of brain cells.

It's not easy!

According to the situation of Tongqinglou, according to the normal loan approval rules, 10 million cannot be approved, let alone 13 million.

Xiao Fei felt that the 3 million he borrowed was not black, and he completely deserved it......

After finally thinking of a preliminary plan, I said hello to Director Chen Shuiming and went out.

The time of the account manager in the marketing department is still relatively free.

At this time, it was already half past three in the afternoon.

I greeted Li Shaohui in advance, and when I arrived at Tongqing Building, several people met directly in the conference room.

"Brother, let's go straight to the topic today, you are an expert in loans, what we need to do now, you can just say it. ”

"Well, I already understand your situation, and now there are a few things that I need your cooperation to do. ”

"The first is sales revenue, your financial statement income should be adjusted, and now the annual sales of 30 million will definitely not work, and it will be adjusted to more than 50 million. ”

"We need three years of financial statements to approve loans, so you have to adjust all the annual reports for the three years from 2008 to 2010, and also provide quarterly statements for the end of September 2011. ”

"All the data must be modified in tandem, and there can be no problems with the collusion relationship of the financial accounts in it. ”

"You can do this yourself, but if you can't do it, find a special financial packaging company to do it. ”

"That's no problem, our Mr. Lin is an expert in finance. ”

"Mr. Lin, take a look, according to Brother Xiao's data requirements, is there any problem?

When encountering professional problems, the sullen man Lin Musen is still more cautious, and silently estimates the workload in his heart.

"One of me, plus an accountant, two people can almost change it in two days. ”

"Well, okay, Brother Xiao, what else do you need to prepare in terms of materials?"

"You do need to change a lot of things, after the statement is changed, bank statements, tax materials, purchase contracts, etc. must be modified simultaneously. ”

"Don't be in a hurry, we have time in the afternoon, and we will solve them one by one. ”

"Well, let's start with the bank statement, how much money do you have coming in from the company's account in a year now?"

"It's about fifteen million, and half of the income is in cash, and then into personal accounts, and this part is not invoiced. ”

"I know this, your income from the public account is taxable. ”

"Now we have to find a way to make the company's bank flow bigger, at least to increase the flow by 10 million. ”

"Brother Xiao, you also know the bank flow of our company, it is all the income of personal POS, the single amount is small, the number of transactions is too much, it is too troublesome to make modifications, it is easy to see the problem. ”

"If you don't do it well, you will see it at a glance when the time comes. ”

Lin Musen seems to have studied this problem, which is definitely a tricky problem.

If it is another company, the income of a single transaction is tens of millions, and the income of the statement can be inflated by a few strokes.

But the hotel can't do it, each income is hundreds or thousands, it's too small, and there is no way to modify it!

"Yes, I have discussed this issue with Lao Lin several times, and I have also consulted with a professional company, but it is too difficult. ”

Xiao Fei pondered for a while.

"So, let me give you an opinion, can you see if it's feasible?"

"I know that Brother Xiao has a way, tell me, how to do this?"

"Let's change our thinking, instead of directly modifying your company's account statement, you can find a company account statement of another hotel and change the name. ”

After Li Shaohui and Lin Musen listened, they glanced at each other, it's that simple?

Damn, we've been discussing it for so long, but I didn't expect this trick to happen!

Sure enough, day and night defense, home thieves are difficult to prevent, and the fortress is still the most labor-saving through insiders!

"And the bank stamps on the bills?"

Lin Musen asked a somewhat idiotic question.

"Brother, you still have to ask me, you have a way, right?"

Xiao Fei will definitely not participate in this kind of thing, it is okay to be responsible for making suggestions, this kind of dirty work, Xiao Fei will definitely not participate.

It's okay to put forward opinions, so that even if something happens in the future, Xiao Fei can push it off without any evidence......

The materials are all provided by the company itself, if it is fake, then Xiao Fei is at most not good at learning and has been deceived, this is not a crime, right?

However, if you are directly involved in the forgery of materials, or even the official bank seal (the original bank statement has a bank seal, and if you forge a statement, you need to forge a bank seal), it is a crime, and Xiao Fei is not stupid......

"It's all trivial, we'll figure it out ourselves. ”

Li Shaohui quickly took over the conversation and stopped mentioning this matter.

The boss should have the responsibility of the boss, Lin Musen's ball is not level......

"Brother Xiao, let's talk about the rest......"

……………………

The three of them immersed themselves in the conference room to study how to "perfect" the loan application materials.

By the time all the questions had been checked, it was already half past five.

At this time, Li Shaohui suddenly remembered something.

Damn, the old man is still waiting to see Xiao Fei in the office......

"Okay, things are almost done, Lao Lin has worked hard in the past few days, and I will strive to get all the materials done this week, and we will submit the loan application next Monday." ”

"Okay, no problem, it's going to work well this week. ”

The boss gave a death order, no matter how difficult it is, he must rush forward!

"Brother Xiao, my old man happens to be in the company today, I want to meet and talk to you, you see ......"

As soon as Xiao Fei heard that Li Daqing wanted to see him, of course he had to go.

To say, Li Daqing, the old man of Tongqing Building, is also a well-known figure of the older generation in the catering industry in Badu.

Being able to invite a junior like himself to meet, Xiao Fei felt that he still had a lot of face on his face.

"No problem, the old man summoned me, how dare I, a little character, refuse!"

The two of them came to the innermost part of the fifth floor, the chairman's office.

This chairman's office is indeed magnificent, an office occupies a small half floor, and it is more than 400 square meters.

The inside is completely Chinese-style decoration, a full set of mahogany antique furniture, this whole set of decoration without more than two million will definitely not be able to take down.

Tongqinglou has been operating for so many years, and the foundation is indeed very strong......

If you are really short of money one day, selling this furniture can save the emergency.

Li Daqing is also very self-contained, it's so late, Xiao Fei and they didn't come, he wasn't in a hurry, he didn't even make a phone call.

Just one person practicing calligraphy in the office......

After entering the door.

I saw a pair of calligraphy rice paper, pressed on the table by two delicate lion-headed mahogany paperweights.

Four vigorous and powerful characters have been written on it, "the sea is inclusive".

Li Daqing is inscribed next to him.

Xiao Fei and Li Shaohui waited obediently for two minutes, and Li Daqing finally pretended to finish.

Put the pen away and look up.

"I'm sorry, I was inscribed just now, so I made the guests wait for a long time. ”

Li Daqing said a sentence of Wen Zou Zou in a matter-of-fact manner.

"Don't dare, don't dare, just don't disturb the old man Yaxing. ”

Xiao Fei followed behind and said a nondescript civilized word.

"I'm Xiao Fei, I am currently working in the marketing department of Huaxia Bank of Communications, and I will ask the old man to take care of me in the future. ”

The latter sentence immediately exposed the essence of Xiao Fei's layman, and when he came up, he begged for care, hugged his thighs, and begged for support!

"Hahahaha, young people are too modest, it's all banks that take care of our small company......"

"You're laughing, old man. ”

Xiao Fei didn't say much about this matter, because banks are really strong compared to private enterprises.

"The old man should have practiced this word for many years, it is magnificent!"

Xiao Fei saw that the writing was indeed beautiful, but if you want him to say how good it is, he can't understand it anyway.

Therefore, it is not wrong to say a panacea of "magnificent" directly, anyway.

Brush words, since elementary school, Xiao Fei has never written again.

It seems that I still have to learn in the future, and I can pretend to be forced at a critical moment!

"Oh, Manager Xiao also likes calligraphy?"

"I can only say that I like to read it, and it is definitely not okay for me to write. ”

Xiao Fei is also honest, bragging in front of such a veteran will only be inferior, and there is nothing to be ashamed of simply saying it frankly.

"Yes, people are too impatient now, and they can't calm down to savor the beauty of calligraphy and painting. ”

Pretend to be forced, continue to pretend......

"The old man is right, a young man like me still has to learn more from seniors like you. ”

"I don't know if the old man can cut his love, I'll take this pair back and frame it, and enjoy it at home......"

Xiao Fei climbed up the pole, and the sycophants were bangbang.

Literati like their works to be recognized.

People like Li Daqing's era were able to eat enough at that time, and they were thankful that they didn't starve to death.

The level of education is not high, and later he became rich in business, and he became a monk halfway through the way and became a calligrapher.

It's definitely a great pleasure to have someone who likes their work and asks for it.

Xiao Fei also did what he liked.

When Comrade Li Daqing heard this, he took the paperweight very generously.

"Xiaohui, put away this pair of words, arrange for someone to frame it, and then send it to Manager Xiao. ”

Li Shaohui was quietly watching the two of them perform pretending, but he didn't expect an ostrich feces to fall from the sky and hit his head, tragedy!

The old man had orders, and Li Shaohui, who was full of reluctance, could only obediently go to do coolies.

Xiao Fei continued to humbly ask Li Daqing for some questions about calligraphy and painting.

And said that he would come to the door to ask for advice if he had any questions in the future, and Li Daqing readily agreed.

By the time Li Shaohui came back, it was already past six o'clock.

"Xiaohui, you are responsible for entertaining Manager Xiao in the evening, you young people communicate more, and my old man will not participate. ”

"Well, got it, I've got it all arranged. ”

"Then I'll leave first, old man, and I'll ask you for advice if I don't understand it later. ”

"There's no problem, I'm afraid I won't be able to water a pot of flowers with half a bucket of water. ”

"The old man is too modest, I'll ask for advice another day. ”

"Okay, then Xiaohui, you can accompany Manager Xiao over. ”

"Well, Brother Xiao, let's go. ”

Li Shaohui felt that if he didn't leave, he really couldn't help but scold his mother, he couldn't bear it......