In Huaxia, bank loans have always been a very magical thing.

Being able to get a loan from a bank often depends not on whether you need a loan, but on whether the bank is willing to lend to you.

It can often be seen that some enterprises urgently need a production capital to turnover, and they beg their grandfathers to sue their grandmothers everywhere but they can't get a penny.

However, some enterprises are so rich and rich that they are not short of money at all, but banks often come to the door to lend them money when they have nothing to do.

To put it simply, banks like to lend to businesses that they think will make money, and the more businesses that can make money without being short of money, the more banks like to lend to them because it guarantees that the loan can be easily recovered.

Of course, there are still some contents of black-box operations, which are not something that Mu Yuchen can manage, and he has nothing to do with black-box operations for himself.

Mu Yuchen decided to contact the bank with the accounting firm he cooperated with first, and then went directly to talk about the loan.

He didn't plan to ask the accounting firm to help him take out a loan, because he knew that asking these guys to help him take out a loan would cost him a commission, and he didn't want to waste money on it.

Early the next morning, he took the phone number given to him by the office and went to the Shawen District Commercial Bank.

After all, the registered address of Meizizi Milk Tea Company is in Shawen District, and the opening bank is the commercial bank in Shawen District.

The accounting firm gave him a phone number named Shen Hao.

This Shen Hao is a key account manager of Shawen District Commercial Bank, specializing in the deposit and loan business of large customers.

Shawen District Commercial Bank is a very large bank, there are a total of eight key account managers like Shen Hao, and there are two intern key account managers.

These key account managers usually have a competitive relationship with each other, who gets more deposits, who receives higher interest on loans, are all the weight of their competition with each other.

Shen Hao is the best of these people, and his performance every year is far ahead of the eight.

This morning, when he was still on his way to work, Lao Li, from an accounting firm in Shancheng, called him and said that he had introduced a young and promising customer to take out a loan, and asked him to help and make it convenient.

Shen Hao hummed and agreed, but he didn't think so in his heart.

Young?

He Shen Hao is twenty-nine years old this year, and now he has a total income of more than 500,000 yuan every year, can he be regarded as young and promising?

He didn't think that the person Lao Li said could be good, if he was really a promising entrepreneur, Lao Li would definitely accompany him to the bank.

Lao Li just made a phone call to introduce him, and did not accompany him, indicating that the person was reluctant to spend money to let the accountant help with the loan business.

I was reluctant to even ask for an accountant, and I was still young and promising.

Shen Hao arrived at the office, made a few phone calls, contacted his important customers, and then made a cup of tea.

When he's usually fine, his work is so leisurely.

If you don't open for half a year, you will eat for half a year, and that's what you're talking about.

Shen Hao was drinking tea and playing online games when the office door was suddenly pushed open.

"Brother Shen, there is a customer who said he wants to find you. A young hairy young man stuck his head out the door.

Shen Hao's face was gloomy, he was very dissatisfied with this hairy young man, this is their bank's intern key account manager, called Xiao Sheng, who is stunned and usually does things carelessly.

Just like this time, if someone else is changed, unless it is the leader of the line, who will come to his Shen Hao's office, and he must not knock on the door first, and then come in after he says please come in?

This kid just pushed the door and came in, he was really angry!

Supposedly, such a guy must not be good in the bank.

But this kid's background is very hard, his parents were born in the local famous family, although the family can't say how much money, but there are a lot of people he knows.

Since he came, he has pulled a lot of large deposits to the bank, and also released several high-quality loans, as if he will soon be able to turn positive and immediately become the best among key account managers.

This made Shen Hao even more annoying.

"Got it, I'm busy right now, you tell him to wait!" he dragged out.

Shen Hao guessed and knew that the person who was going to visit him must be the person Lao Li said in the morning.

He's in a bad mood right now and decides to dry the guy.

"What is Brother Shen busy with?do you need my help?" Xiao Sheng looked a little curious, as if he wanted to walk in.

"What am I busy with, do I still need to report to you?" Shen Hao was angry, "Hurry up and get out!"

What if this kid has a backstage? At least this little thing, he can still support this guy.

After spraying away Xiao Sheng, Shen Hao's mood improved a little, and he opened the browser game he often played, preparing to attack a city to vent his anger.

"I'm sorry, our Manager Shen is busy, if you don't mind, you can come to my office and sit down first." ”

Xiao Sheng took Mu Yuchen to his office and made him a cup of tea.

"Brother, can you take the liberty of asking, what are you here for?"

He is indeed very curious, because when he comes to the bank to find a key account manager, there are generally two situations, either a large deposit or a large loan.

The young man in front of him looked like he was in his twenties, still a student, and he didn't look like a person with these two needs.

Although Xiao Sheng looked a little stunned, in fact, his mind was still relatively detailed.

Mu Yuchen smiled: "I'm here for a loan." ”

"Are you going to buy a house? Xiao Sheng took it for granted that Mu Yuchen's loan should be to buy a house, and this kind of thing actually doesn't need to find a key account manager.

Key account managers are more targeted at enterprise customers.

"No, I started a company and now I'm going to take out some money. Mu Yuchen shook his head.

Xiao Sheng was even more curious, he didn't expect that this person, who looked a few years younger than him, was already the owner of a company.

"Brother, you are really young and promising! Do you have any information with you? I can help you see if your information is all in order, and what else do you need to add. ”

Mu Yuchen didn't have any doubts about this, at least the person in front of him had a work card, had a separate office in the bank, and knew the staff of the bank, so he definitely wouldn't be a liar, and it didn't matter if he showed him the information.

He handed it over.

Unexpectedly, Xiao Sheng screamed as soon as he took a few glances at the information.

"Meizizi Food Co., Ltd., is it the Meizizi of Meizizi milk tea?"