Xu Feng returned to the dormitory after eating, and was just about to lie down to receive a call from Shan Baocai, in order to celebrate the opening of the franchise store tomorrow, I will invite everyone to have a drink tonight, and I have already contacted them with the trustworthy, and I will arrive on time in the evening, and invite him Director Chen and Director Qiu to participate, and they have already agreed.

"Alright, let's go over together in the evening. Xu Feng said.

As soon as I hung up the phone, it rang again, and when I saw that it was Chang Shouxin's number, I hurriedly connected the phone. In order to reduce the labor intensity of workers, improve work efficiency, and realize the mechanization of noodles, tofu brain, and skewers, I checked on the Internet, and there is really such a machine, so I solicited everyone's construction and agreed to realize mechanization.

"This is a good thing, if mechanization is realized, not only will it greatly improve the work efficiency, but also the economic benefits will be greatly increased, and I fully support you. Xu Feng said.

"It's a good thing, but Luo Guozi is short of money when he goes up the mountain, Jing Ming calculated, about 300,000 yuan of funds are needed, I tried my best in the morning to raise 100,000 yuan, and there is a gap of nearly 200,000 yuan, so I have to ask you for help." Chang Shouxin said.

"You mean you want to take out a loan?" Xu Feng asked.

"Yes. Chang Shouxin said.

"According to the regulations, there needs to be sufficient collateral and guarantors for banks to issue loans. Xu Feng said.

"The collateral must be insufficient, only to find a guarantor, I told my eldest brother-in-law about this, and he is willing to give us a guarantee. Chang Shouxin said.

"There is no problem with this, in the afternoon, I will talk to Director Chen and see how they handle it. Why didn't you go to Xiuzhen, she works in the Xingfu Road office, with the strength of your barbecue square, there will be no problem with the loan. Xu Feng said.

"I've looked for it. Director Guo said that our basic account is with you, and you can only do it if you want a loan. Chang Shouxin said.

"That's right, I'll communicate with the leader in the afternoon. Xu Feng said.

"I went to the franchise store of Shan Baocai at night, and we were negotiating in detail at that time, and tomorrow I asked Jingming to contact the manufacturer, and it would not take a few days to install. Therefore, it is necessary to do everything possible to get the loan. Chang Shouxin said.

"Explain the situation to Director Chen clearly and see how he handles it. Xu Feng said.

In the afternoon, Chen Zihao took Qiu Weiqiang and Xu Feng to Zhongxiang Paper Mill, and Ma Zhongxiang waited in the office, and when he saw them coming, he got up to welcome them, and asked his subordinates to bring fruit to entertain them.

"Boss Ma, you applied for a loan this time to purchase sewage treatment equipment. Chen Zihao said.

"Yes, according to the relevant national requirements, sewage treatment must meet the standards. The original sewage treatment equipment has been eliminated, and the host needs to be transformed, and now the capital turnover is really difficult, and a few leaders are asked to help. Ma Zhongxiang said.

"What is your collateral?" Chen Zihao asked.

"Machine qì equipment, this is the name of the collateral, please lead the look. Ma Zhongxiang said and took out a list of collateral.

"Let's go and look at the collateral first. Chen Zihao said.

"There is no problem, these collaterals are fully capable of repaying the loan. Ma Zhongxiang said.

"You can't just say it by what you say, according to the terms of the loan. In order for the collateral to be appraised and registered, we must verify it. Qiu Weiqiang said.

"That's good. Come with me. Ma Zhongxiang said.

Several people came to the workshop and began to verify the lighting, and found that these mortgages were close to the end of their life, which did not match the time of the mortgage registration list, but the time after the purchase was changed, and there were no mortgage conditions at all according to the regulations.

"Is there any equipment that can be mortgaged?" asked Chen Zihao.

"How. These collaterals are not enough, and they can be mortgaged according to the regulations. Ma Zhongxiang said.

"We inspected the factory date of the equipment, which is approaching the end of its life, and according to the regulations, the equipment has no mortgage value. Chen Zihao said.

"You changed the time when these machines were purchased, obviously to get a loan. That's not a good idea. Qiu Weiqiang said.

"These machines are still in normal use, how can they not have mortgage conditions. Ma Zhongxiang said.

"According to the relevant regulations, there are certain standards for the mortgage of machine equipment, which cannot be based on the purchase price at that time, but should be based on the actual appraisal value. So your equipment has no collateral value, and you must have sufficient collateral to get a loan, otherwise you can't make a loan. Chen Zihao said.

"Director Chen, can you be accommodating, my current capital turnover is really difficult, rest assured, there is absolutely no problem with these loans, and they will be repaid in full when they are due." Ma Zhongxiang said.

"The bank has the rules of the bank, and none of us can violate them, please don't embarrass us. Chen Zihao said.

"I'll let Director Su Fang tell you. Ma Zhongxiang said that he wanted to contact Wang Sufang.

Chen Zihao immediately stopped him and said, "No need, as long as we meet the loan conditions, we will definitely support it, and it will definitely not work if the conditions are not met." "Heart, if you get in touch with Wang Sufang, it will definitely take a lot of words, this loan obviously can't be done, why bother talking to her again.

"She's already called us, and she's looking for her face so quickly to investigate, but if she doesn't meet the loan conditions, you can't make her feel embarrassed, right? Qiu Weiqiang said.

"Is there any other way?" Mr. Ma said.

Hearing Qiu Weiqiang say this, Ma Zhongxiang knew that the loan could not be done, but he did not give up, and wanted to negotiate with them, as long as the loan could be done, let him do anything.

"As long as there is sufficient collateral and a guarantor with financial strength, we can issue the loan. Chen Zihao said.

"Director Chen, we have also been in an old relationship for many years, for the sake of the past feelings, help me think of a way, and I won't forget you when the time comes. Ma Zhongxiang said.

"Of course the relationship is good, but you can't violate the rules, it doesn't matter if I'm the director, I can't let my subordinates have a meal, please understand more. Chen Zihao said.

"It's too strict, it's not that I can't repay the loan, it's just that the procedures are a little lacking, and it's not a matter of your words whether you can do it or not. Ma Zhongxiang said.

"It's not that you don't have the formalities, but you don't have the conditions for a loan, so you can't make a loan. Qiu Weiqiang said.

"Director Chen, if you send a word, this thing will be done. Ma Zhongxiang said.

"I don't have that much power, I don't meet the conditions of the loan, anyone has the right to refuse, please don't give us a problem. Chen Zihao said.

"Okay, I'll think of something else. Ma Zhongxiang said.

"I'm really sorry, but with your current situation, there is nothing we can do. Chen Zihao said.

On the way back, Qiu Weiqiang said: "This person is really not good, in order to get a loan, he actually deceived us, those machines and equipment can only be regarded as a pile of scrap metal, and there is no mortgage value at all." ”

"It's not very authentic, and if you want to get a loan, you can't do this, which shows that his character is too bad. Xu Feng said.

"Wang Sufang, how do you reply, answer truthfully, I will definitely not be happy in my heart. Qiu Weiqiang said.

"Of course, we replied truthfully, we can reply to her now, it's not that we don't do it, but he doesn't meet the conditions, how can he get a loan without collateral, we have already investigated on the spot, the situation is like this, she can't say anything. Chen Zihao called Wang Sufang and told her about the investigation.

"What's this, you just register according to the list of collateral, there is absolutely no problem with his loan, not to mention that he is an old customer for many years, the loan conditions can be relaxed, what to do is not a matter of your words." Wang Sufang said.

"That's not good, you have worked in a commercial bank for so many years, the loan rules should be clear, and no one can afford to go wrong. Chen Zihao said.

"What's the difference with this, it's not that he can't repay the loan, why bother to be more serious in this little thing, it's all an old relationship for many years, and it can be completely accommodating. Wang Sufang said.

"It's not that we're more serious, the actual situation is clear, and we can't do anything about it, please understand this. For the sake of this loan, it cannot affect the relationship between us. Chen Zihao said.

"In that case, let him find a guarantor, someone should be able to vouch for him. Wang Sufang said.

"As long as someone with financial strength guarantees him, I will give him this loan. Chen Zihao said.

"Okay, I'll ask him to find a guarantor and then contact you. Wang Sufang said.

"It's really a bit evil, what is the relationship between her and Ma Zhongxiang, in order to help him get a loan. Qiu Weiqiang said.

"If someone gives him a guarantee, the loan will have to be released. Xu Feng said.

"When the time comes, it depends on the situation, with my understanding of Ma Zhongxiang, it is really difficult to find a guarantor with financial strength, his situation is clear, whoever gives him a guarantee has to be ambiguous, I think no one will vouch for him. Chen Zihao said.

"I'm afraid that I will find someone to guarantee casually, and at that time, Wang Sufang will come forward to intercede, and it will be really difficult for us to do it. Qiu Weiqiang said.

"No matter what you say, it is absolutely not okay for people who do not have the financial strength to be guarantors, and this point must not be compromised. Chen Zihao said.

"There are some things that are really difficult to do right now, and sometimes we are in a dilemma. Qiu Weiqiang said.

"Actually, there is nothing to be embarrassed about, as long as we stick to our principles, people who understand things will understand. Chen Zihao said.

"The key is that some people don't understand things, just like Wang Sufang, who knows that they don't meet the regulations, but still asks you to handle it, it's really incredible, and it gives me a headache when I think about it. Qiu Weiqiang said.

"The forest is big, there are all kinds of birds, don't care too much, can we cultivated people be the same as them, I can only say that some people are just so hypocritical, if you can't let them change, then ignore them, it's not worth it to hurt your brain for some people like that. Chen Zihao said. (To be continued.) )