Chapter 8 Change of Person
Mu Yuchen didn't expect that the popularity of Meizizi milk tea would be so great that he casually found a bank loan, and the staff he met also knew about it.
It's a pleasant surprise.
"That's right, it's that Meizizi, I can't imagine that you also know my milk tea, I'm so happy. ”
Xiao Sheng coughed dryly twice, and laughed awkwardly: "Actually, I am also one of the distributors of Meizizi milk tea, and Zhong Yaoyao pulled me into the ......."
Mu Yuchen finally understood why this kid knew Meizizi milk tea, it turned out to be Zhong Yaoyao's downline.
"If Meizizi milk tea wants a loan, it is my own family. "Xiao Sheng works in a bank after all.
He has no prejudice against corporate loans, and he understands that if a business wants to develop rapidly, loan development is a very good way.
In any case, he is now also one of the distributors of Meizizi, not an outsider, and he feels that he should help a little.
Mu Yuchen is also very happy, as the saying goes, it is easy to do things with acquaintances, if this Xiao Sheng is also one of the distributors of Meizizi milk tea, finding him a loan will definitely save a lot of trouble.
"Manager Xiao, since you are your own family, then I will also say it directly, can you help me with this loan?"
"This isn't very good, after all, you are Shen Hao's customer, and you suddenly become mine, and some people will gossip. Xiao Sheng hesitated.
Although he is not afraid of Shen Hao in the bank, he will be looked down upon by all his colleagues for such a thing as robbing other people's business.
He can't offend all his colleagues at once.
"What's wrong, that Shen Hao was only introduced by the accounting firm, and he may not know about me, and you see, he didn't see me at all, so I can't be considered his client at all!"
Mu Yuchen smiled.
That Shen Hao, I'm afraid I don't even know what his name is, what does he look like, so what's there to worry about?
Moreover, according to Lao Li of the firm, Shen Hao usually has nothing to do, and he should be able to find him as soon as he comes.
But now, Ah was hung up, although he didn't know what happened in the middle, but at least he could understand that Shen Hao definitely didn't have much kindness to him.
If you want to take out a loan through Shen Hao, things like giving gifts and entertaining guests must be indispensable, and the cost of a loan of 500,000 yuan must be at least one or two hundred thousand.
And looking for the Xiao Sheng loan in front of you, it shouldn't take so much.
Therefore, Mu Yuchen planned to rely on Xiao Sheng, and he must do it here.
"Then you must not say it!" Xiao Sheng hesitated for a moment, and finally felt that this should not be a big deal, so he agreed.
After all, he is a little optimistic about the business of Meizizi milk tea, especially after the backstage came out, he has pulled several offline in the past few days, and those people are very interested in this backstage.
He hopes that Meizizi milk tea can develop better and faster, so that he, as an early distributor, can also eat a big piece of fat meat.
"Of course I won't say it, don't worry!" Mu Yuchen smiled and stretched out a hand towards Xiao Sheng.
The process of corporate loans is still relatively complicated.
In order to take out a loan, a company must first prepare all its documents to submit to the bank.
These include various statements of the enterprise, invoices issued in recent years, invoices obtained from purchases, and invoices for electricity and water charges in the daily production and life of the enterprise.
Some people may not understand why they need an invoice for electricity and water bills.
In fact, this is also very simple, modern enterprises want to produce, most of them use machines, and the use of machines has to use electricity, the more electricity used, it means that the more products produced by the enterprise, indicating that the company's products are marketable, so it will produce so much.
You know, banks are very chicken thieves, and they can't lend money to a company whose production has stalled.
Like the delicious mountain town in Shiyuan, the days of construction do not exceed fifty days a year, and you don't even want to borrow a penny from the bank.
However, Mu Yuchen's Meizizi has only been established for less than a month, and none of the above things are available, and nothing can be taken out.
In this case, it is generally the bank to inspect to see if the enterprise has development prospects or profitability, to put it bluntly, that is, depending on the mood of the bank, they want to give a loan, they want to give a loan, and if they don't want to give a loan, they will not lend.
So, having an acquaintance inside the bank is very important for new business loans.
Of course, the amount of money that Mu Yuchen wants to borrow is very low, and the registered capital of Meizizi Food Co., Ltd. is 500,000 yuan, and according to the current laws and regulations of the country, the money he can borrow from the bank will not exceed 500,000.
He didn't plan to borrow more, it was enough to borrow 500,000 yuan to buy a house, his milk tea profitability was so strong, he needed more money to earn it soon, and there was no need to work for the bank.
Xiao Sheng read Mu Yuchen's application and agreed with his ideas.
A loan of 500,000 yuan is a lot for Meizizi milk tea, but for their commercial bank, it is nothing.
In their case, millions of loans are many, and hundreds of thousands are completely drizzle, and the leaders of the bank don't care much about it at all.
This business, if it falls into the hands of Shen Hao, it can be decided directly.
It's just that Xiao Sheng is still an intern key account manager, and his authority is not so great, and he has to go through the motions with the leader.
"Okay, I'll report to the leader in a moment for the information, and the next thing should be to go to your company to inspect it, and then you can approve the money. ”
Xiao Sheng sorted out the information and prepared to send it to the vice president in charge.
"Then thank you Brother Xiao, if Brother Xiao has time at noon, I will invite Brother Xiao to dinner. Mu Yuchen seemed very sensible and offered to treat him.
Although they are acquaintances, these processes should not be without.
Some people find someone to do things, thinking that the relationship is very iron, and they don't need some conventional means, and the best result can only be that the relationship becomes more and more estranged.
"Let's wait for the leader's approval, I can't figure out what else to do at noon. Of course, Xiao Sheng didn't agree directly, but his next words revealed his true intentions.
"You can sit with me for a while, and you can wait to see the results. ”
If he didn't want to eat, of course he wouldn't let Mu Yuchen stay, he let Mu Yuchen stay, the meaning was obvious.
Mu Yuchen nodded.
Just as Xiao Sheng was about to go out with Meizizi's materials, the phone on the desk rang.
He picked up the phone, and Shen Hao's voice came from inside.
"Xiao Xiao, you bring the person just now. ”
Xiao Sheng glanced at Mu Yuchen, and then said with a smile: "I'm sorry, Brother Shen, that person waited for a while and left, and I didn't keep it." ”