The deputy hall of Shanghe Building 3. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Ding Lan was accompanied, and there were a total of four people at the banquet.

"Mr. Ding, in such a big box, just invite me alone, you are too polite. The man who spoke was a middle-aged man in his forties, who looked polite and polite, but gave people a very shrewd impression.

"Introduction, this is Director Yang of the Jianwu Branch of the Agricultural Bank of China, in charge of mortgage and credit business. This is Mr. Zhao and Mr. Jiang of Zelianke. ”

"Deputy Director, Deputy Director. Deputy Director Yang didn't seem to have any shelf, and took the initiative to shake hands with Zhao Zejun and Jiang Xuan, and said with a smile: "Mr. Zhao's name is like thunder, a famous young entrepreneur in our city, Xingxing Factory has won glory for the country, and exported all its products to Iraq." Mr. Jiang is a talent, heroic, and I think the future is also promising!"

Zhao Zejun and Jiang Xuan glanced at each other, and Zhao Zejun opened his mouth and smiled: "Director Yang ......"

"Deputy Director, Deputy Director......" Vice President Yang hurriedly waved his hand and said, "Our director is the president, I don't dare to trespass." ”

"How busy the president is, every day is in charge, and the specific work of the department is not all handed over to you to be responsible. ”

Ding Lan got up, took the wine bottle to Deputy Director Yang, filled him with wine, and smiled at Zhao Zejun and Jiang Xuan: "So, our Deputy Director Yang, the deputy director, is the president's deputy, and the gold content is much higher than that of the general director. ”

"Mr. Ding, you are too good at talking. Deputy Director Yang laughed: "I don't dare to be the president's deputy, but in terms of credit, I do have a certain right to speak." ”

Zhao Zejun asked: "Director Yang, I have already sent the materials over before, do you think it meets the requirements?"

"The rule is that people are dead, but people are alive. Deputy Director Yang smiled and waved his hand, saying: "The same thing, if you look at it from different aspects, it may be different, and the same provision, if you interpret it from different aspects, the meaning is also different." In our daily work, we must also combine the actual situation in order to better implement the regulations and grasp the scale. ”

Ding Lan glanced at Zhao Zejun, and a smile flashed in his eyes, 'Sure enough, it's hard to entangle'.

Zhao Zejun thought for a while and said with a smile: "Director Yang, you are an expert, and I invite you to come today just to learn from you." You might as well give me an analysis of this loan, how to interpret the regulations and implement the work?"

"Yes, director, tell me, I'm also very interested, maybe one day my Shang He will have to take out a loan. Ding Lan said in a coquettish voice.

"Boss Ding, you are short of money, open your mouth, people who send money to the door can line up, you want money, do you need to leave the bank?" Deputy Director Yang laughed, took a peanut with chopsticks, and said, "It's okay, let's talk about Mr. Zhao's affairs......

Zhao Zejun and Jiang Xuan sat up slightly straight, leaning forward slightly, looking like they were 'listening to each other'.

Deputy Director Yang still had a smile on his face, but the smile gradually disappeared, and he didn't smile for a while, but he didn't squeak.

It wasn't until Zhao Zejun was about to run out of patience that Deputy Director Yang shook his head and said, "Don't do it." ”

After holding it for a long time, Zhao Zejun scolded a dirty word in his heart, still with a smile on his face, and said, "What's not easy to do." ”

"Mr. Zhao, your loan is theoretically in line with the regulations. But you have to think about the actual situation. ”

Deputy Director Yang said: "In the final analysis, the bank's money belongs to the people and the state, and our bank is only in escrow, not only in escrow, but also in interest, so every loan will be cautious." For example, let's do it, the main loan targets are state-owned enterprises, and the control of private enterprises has always been very strict. Even if it is introduced by Mr. Ding, I might as well say bluntly that in the same situation, state-owned enterprises can easily lend, and private enterprises cannot lend abound, and in our industry, in principle, they are not willing to lend to private enterprises. ”

Ding Lan smiled and said, "Director Yang, isn't this looking for you to find a way, everyone is a friend, as long as you are willing to help, the problem will be solved." ”

Deputy Director Yang glanced at Zhao Zejun and said, "Yes, it's not that you can't get a loan at all. The annual interest rate of our bank's loans for half a year to two years is 5 points, which is very cheap compared to private loans. ”

"That is, such a low interest, Mr. Zhao must appreciate it. Director, I heard...... I just heard that according to the usual practice, there are rebates, what are the rules for our line?" Ding Lan deliberately lowered his voice and asked Deputy Director Yang.

Deputy Director Yang smiled: "Rebates, it's for the bank." Whoever takes out a loan is the same, Mr. Ding, Mr. Zhao, the interest rate, the rebate to the bank, you don't have to ask me, everyone knows. ”

This is very explicit, and this Deputy Director Yang personally wants to take advantage of it.

Ding Lan looked at Zhao Zejun with some embarrassment.

If it is just a rebate for the other party's bank, Zhao Zejun should not resist, after all, this is a 'convention'. But if it is given to the other party personally, this nature is different, Zhao Zejun has expressed his attitude before, and he does not want to bury hidden dangers in the commercial center project, where there are non-compliance.

"Director Yang, let's put it this way, how many points do I need in total to get this loan?" asked Zhao Zejun.

Director Yang laughed: "Mr. Zhao, your question is not appropriate, how much is the interest, the regulations in the bank are clear, don't talk about me, even if the president and the head office are here, they have no right to change it." ”

These words sounded like a contradiction to his previous meaning, but how could Zhao Zejun not understand the other party's meaning.

Director Yang wanted to rebate, but this would not come out of his mouth, but forced Zhao Zejun to say that he would make an offer until he was satisfied.

Jiang Xuan is Zhao Zejun's deputy, Zhao Zejun doesn't speak, he can't speak. Ding Lan was even more inconvenient to interject, and lowered his head to attack a bowl of shark fin.

Director Yang looked at Zhao Zejun with a smile.

Zhao Zejun thought about it and smiled.

"Yes, what Director Yang said makes sense, even if there are clear regulations in the industry, then follow the regulations in the industry, and I will ask Director Yang again now, but it will be difficult for Director Yang to do. My fault, come on, come on, I'll punish myself!" After speaking, he raised his glass, tilted his neck and said with a smile: "Director Yang, it's the first time I've set foot in credit, and I don't understand a lot of things, and there are inappropriate places to say, please bear with me." ”

This time it was Director Yang's turn to be stunned.

What does this Mr. Zhao mean, oh, I asked you to mention the points, don't you understand what this means?

glanced at Ding Lan, who was slowly taking small sips with his head down.

A small bowl of shark fin, according to her way of eating, seems to be eaten until she is old.

"Mr. Zhao, if you say so, this loan ......" Director Yang snorted, and said with a smile: "I'm afraid it's difficult." ”

"Director Yang, they are all friends, I must not let my friends be embarrassed! Loans, I can do it, I can't do it, I should know you today, big brother, come, don't talk about loans, let's drink!"

"Director Yang, I toast you. Jiang Xuan stood up and shook her wine glass.

……

In the next half an hour, Zhao Zejun really didn't mention another word related to the loan, but chatted casually.

Director Yang coped with it on his lips, but he was beating a drum in his heart, what does this Mr. Zhao mean?

There are many companies begging him for loans, which one is not carefully holding him, and sending a lot of benefits behind him, this Mr. Zhao, is he awesome mallet who doesn't understand anything, or is he pretending to be confused?

Pretend, you continue to pretend, the more similar you are now, and then you will take out a loan in the future, the more you will pay. Director Yang was smiling on his face, smiling in his heart, sneering.

"Knock knock......" There was a knock on the door.

"Please come in. Ding Lan said.

Outside the hall, the waiter ushered in a man in his thirties wearing a suit, and after entering the door, the man was obviously stunned.

"Introduction, this is Manager Wang of City Bank...... Ding Lan got up and introduced.

"Hello Mr. Ding, hello Mr. Zhao......" After the introduction, Manager Wang looked at Director Yang with some surprise, and was about to speak, when someone knocked on the door outside.

"Please come in. Ding Lan said.

This time, the waiter brought in a rather charming woman, dressed in a professional suit.

"Sister Ding, who are these ......?" the woman looked at the scene in front of her in surprise.

"Let me first introduce this beauty, the credit manager of the newly established Sushang Bank, Miss Rosa, these are ......"

There was another round of greetings, and several people had their own hearts, and after a while after they sat down, someone knocked on the door again.

This time, Zhao Zejun smiled and said to the door of the box: "Please come in." ”

……

Today, the deputy hall of Building No. 3 is like a financial meeting in southern Jiangsu, and people from the banks appear one after another.

Originally, there were only four people in the huge box, which really seemed deserted, but at this time, there were eleven people sitting at the big round table.

In addition to Director Yang of the state-owned bank Agricultural Bank of China, there are also credit staff from Huaxia Bank, Zheshang Bank, Zhongxing Bank, and Sushang Bank, which was just established this year, and a total of seven joint-stock banks.

Mr. Zhao ...... What do you mean by this, calling us here for a meeting?" Director Yang said with some displeasure.

Zhao Zejun looked drunk, stood up on the table, his tongue was a little curled, and said: "Brother Yang, I know that I can't drink, today I sacrificed my life to accompany the gentleman, and now my brain is completely messed up, and I will make a fool of myself if I sit down again...... In this way, Jiang Xuan and Jiang will accompany you on behalf of me, Jiang Xuan, I must accompany all the leaders, and you will also talk about the loan. ”

As he spoke, he staggered out.

"Oh, why are you drinking so much, be careful. Everyone, I will send him to the guest room to rest, and Mr. Jiang will accompany you. Ding Lan said hello apologetically and walked out of the box with Zhao Zejun in his arms.

Jiang Xuan coughed, stood up, swept his eyes over the people present, and said lightly: "Everyone, the loan materials have been sent to you before, and Mr. Zhao has full authority to authorize me, and there are only two specific principles: first, Mr. Zhao wants at least 60 million yuan, mortgage the land, choose the one with the lowest interest rate and the fastest loan; ”