Chapter 62: Let Me Fool Again (II)

Fang Mingyuan quietly pulled out his right hand, this Gu Governor likes to shake other people's hands too much, could it be that he has a relationship with the back mountain?

Gu Yucheng naturally didn't know that in Fang Mingyuan's heart, he had already been linked to the legendary "Holy Mountain", and he was overjoyed at this time that Ma Yongfu, who brought Fang Mingyuan here, was really his lucky star, and this idea could be said to be worth ten thousand gold!

'Ahem, Lao Gu, this is not the place to talk, I think, are we going to your office up there to talk?' Ma Yongfu coughed lightly. After all, he is not a person in the banking industry, although he thinks that Fang Mingyuan's idea is very good, and it is undoubtedly much more comfortable for the depositors of Bank of Communications, but he does not have a full understanding of the influence it may bring. Naturally, I felt that Gu Yucheng's attitude seemed to be a bit exaggerated. But this is better, as soon as he entered the door, Fang Mingyuan sold Gu Yucheng a good one, so that the next thing would be easier to talk about.

"Yes, yes, I'm a little too happy, out of shape, out of shape! Please don't mind, haha, please come with me! Gu Yucheng was a little incoherent.

The group entered Gu Yucheng's office, and took the opportunity to go out to greet people to prepare tea and fruits, Gu Yucheng pulled Ma Yongfu into the corridor, and Gu Yucheng had already woken up from the initial surprise.

"I said Lao Ma, Director Ma!" Gu Yucheng lowered his voice and asked, "Now you can always talk about it, what is the background of these two and what do they come from?" You can't let me talk to people like this, can you? ”

Ma Yongfu patted Gu Yucheng's shoulder with a smile and said, "The two of them are here to take out a loan, not much, only a hundred thousand, and it should only be 200,000 yuan." ”

"Two hundred thousand?" Gu Yucheng said in surprise, he looked Ma Yongfu up and down for a long time, and said in his heart that it was just 200,000 yuan, how could he ask for your Ma Yongfu's head? Not to mention the director of the provincial-government-office, just a director and director of the city are enough, isn't this overkill? It's also a waste of resources! To be able to make the director of the provincial-government-office office open his mouth in a straightforward manner, there must be 1.8 million. Looking at the appearance of that young man just now, shouldn't he fail to think of this? And for the sake of this meagre 200,000 yuan, you can't stab me with a rod, right? There are so many banks, and it's not a matter of your Director Ma's words. There's a bit weird in this thing.

"What unit? Big deal? Deep background? Gu Yucheng guessed. Could it be the children of provincial leaders? Otherwise, how can Director Ma personally go out?

"Private self-employed workers, with a low background, belong to Pingchuan County, Weinan City. But it's not a small story. Ma Yongfu replied with a smile.

"The private economy? Or is it from the county seat? "Gu Yucheng is even more strange, this thing is getting more and more weird, a private self-employed person in the county can also ask for Director Ma's head, could it be his relative.

"Your relatives?" Gu Yucheng and Ma Yongfu are old classmates after all, so this talk is much more casual.

"My relatives? If only I had relatives! I'm not worried! Ma Yongfu smiled bitterly, "You should always know about Guo's Shipping Group, right?" ”

"The one in Hong Kong?" Gu Yucheng's heart couldn't help but move, remembering the news he had heard a while ago that was secretly spreading among the high-level people in Fengyuan City.

He asked tentatively, "Are these two the ones who saved the little princess of the Guo family?" also handed over the five million remuneration given by the Guo family to the National Police Agency? ”

Ma Yongfu gave a thumbs up and said with admiration: "Okay, Lao Gu, your information is well-informed enough, and your reaction is fast enough." Yes, it's just the two of them. Lao Gu, I have brought you a great opportunity, you know no, the Guo family has already made the first investment to land, and a high-end hot spring sanatorium will be built in Huaqing Pond, mainly facing Hong Kong merchants. Although this investment is not large, but the meaning of it, I think you are not an ordinary person, you should be able to figure it out. If you tie that young man well, maybe the Guo family's capital transactions in the future will fall on your bank of communications! You say, is this a little god of wealth? ”

Gu Yucheng was overjoyed, Kwok's Shipping Group, which is a large Hong Kong consortium with total assets of hundreds of millions, if it can become its capital storage bank in Qinxi Province, no matter how much money it can deposit in the end, its significance is not trivial, which represents a recognition of Guo's Shipping Group to the Bank of Communications. This recognition can not only improve the status of Bank of Communications in the financial circles of Qinxi Province, but also bring a large number of Hong Kong customers to Fengyuan Branch as more investors from Hong Kong come to Fengyuan, which is a rare development opportunity for Bank of Communications Fengyuan Branch!

"That young man has so much influence?" Gu Yucheng was still a little drumming and uncertain in his heart, but it was the little princess who saved the Guo family, and the Guo family gave a thank you gift of five million, which was enough.

"That much influence? Do you know that the Guo family's first investment was made by him. The young lady of the Guo family recognized him as her younger brother. He even wanted to bring him to Hong Kong to cultivate, and promised to move his whole family to Hong Kong in the future. Ma Yongfu stammered, "His whole family! Think about it, how much you love him! ”

Gu Yucheng couldn't help but be amazed. Although he heard some insider information, he knew where Ma Yongfu was.

"In that case, why did he come to me to borrow a mere one hundred or two hundred thousand yuan, this amount of money is not a small amount of money for the Guo family?" Gu Yucheng soon noticed the strangeness again.

"Hey, you don't know this, although the Guo family proposed to move his whole family to Hong Kong, this one refused!" Ma Yongfu added fuel to the scene and told the scene again. Gu Yucheng was dumbfounded when he heard this, such a good thing could not be asked for by others, so he refused it without hesitation.

"Therefore, I think this one may want to develop with his own ability, rather than relying on the Guo family's liliang. Hehe, what do people think, how can we know, I'm just guessing. Ma Yongfu snorted and said, "However, the provincial-government-leaders have long promised that they will open the door as much as possible for the Fang family's business, so when I think about it, this amount is not much, and it is nothing to you Gu Da Governor, and it can allow you to form a good relationship with them, so I brought it to you." Let's talk about the ugly things in the front, if you can't do it, if you don't have the courage, then I'll take them to the Construction Bank, anyway, Lao Liu can talk to us. ”

"Don't don't, don't say that there is a commitment from the provincial leader, even if you look at the face of Director Ma, it is impossible for me not to take out a loan?" Gu Yucheng hurriedly smiled. If such a good opportunity is pushed out again, then you will be a pig's head.

A mere 200,000 yuan, if you can get the recognition of your work by the provincial-government-leaders, it is a bad debt, and it is worth it. What's more, it may also attract funds from the Guo family, which is too worthwhile!

"Mingyuan, why have these two been out for so long?" Fang Bin sat on the sofa, looking at the luxurious furnishings in the room, a little worried. If you can't get a loan here, then it's probably not easy to say where the China Construction Bank is. Why is it so difficult for this private company to borrow some money?

"It's okay, uncle. President Gu must be inquiring about our specific situation from Director Ma. This money, you can rest assured, you will definitely be able to borrow! Fang Mingyuan was confident. The reason why he chose the Bank of Communications was precisely because of the fact that it had just been established. It is precisely because it has been established for a short time that it is far more urgent to develop new businesses and expand the market than the other four state-owned banks. Coupled with his words downstairs, and the face of the provincial-government-leaders and Ma Yongfu, as long as President Gu Yucheng does not have a pig's head, he will definitely realize the mystery of this. A mere 200,000 yuan is nothing for a national-sexual-bank bank.

As soon as the words of the two fell, Gu Yucheng and Ma Yongfu had already pushed the door in.

"Two comrades, I'm really sorry to keep you two waiting." Gu Yucheng said with a sincere face, "Regarding the situation of the two of you, I have already discussed with Director Ma, and we naturally want to vigorously support the work of the provincial government. We will do our best to meet the loan needs of both of you. How much do you plan to borrow? How long to borrow? Interest-free loans may be a bit difficult, but I can give you the lowest interest rate. ”

"Huh?" Fang Bin looked at Gu Yucheng in surprise, "Don't you need collateral here?" "In Pingchuan County, they can't get a loan even if they take out the collateral, here, why doesn't this Gu Governor mention it at all?

"With the guarantee of Director Ma and the provincial leaders, this is naturally not needed." Gu Yucheng waved his hand and said, "I believe in Director Ma, and I believe in the vision of the provincial leaders." ”

"Great!" Fang Bin happily jumped up from the sofa.

"Uncle!" Fang Mingyuan shouted in a deep voice, and Fang Bin hurriedly sat down again.

Fang Mingyuan looked at Gu Yucheng at this time, and said sincerely: "President Gu, we appreciate the kindness of you and Director Ma, but I don't plan to take out a loan like this." We have brought collateral and hope to be able to apply for a mortgage with your bank. Everything has to go through due process. ”

"Huh?" Gu Yucheng couldn't help but be a little confused, this came to the bank, who doesn't want to borrow as much as possible and pay as little as possible, why is this one more dissatisfied with his proposal? He couldn't help but turn his head to look at Ma Yongfu, who was also surprised.

Fang Mingyuan saw Gu Yucheng's surprise and said with a smile: "President Gu, we really understand the kindness of you and Director Ma. But I think so, I hope that you can have a long-term cooperation with us, in that case, this hammer deal is a bit out of place. We just did a trivial thing for the government, how can we trouble the government and Director Ma again in the future. Director Ma was able to introduce us to President Gu today, and we are already grateful. For the sake of your long-term cooperation in the future, I still hope that everything can be handled according to the normal procedures. In fact, Fang Mingyuan was frightened by the government-calculation of accounts in his previous life, so he planned to start his business, even if the development was slower, but also to ensure that his source of funds was innocent and not give future generations any handle.

Fang Mingyuan's words, Ma Yongfu nodded secretly, this little guy is not only sober-minded, but also said this sentence without leakage, although he rejected his proposal, but it made his heart warm when he heard it.

"And I think that since its re-establishment, Bank of Communications has shouldered a dual historical mission, it is not only the inheritor of the century-old national financial brand, but also the pioneer of China's financial system reform. This is precisely the reason why the State Council wanted to reorganize the Bank of Communications in the first place. Otherwise, the country already has four major state-owned banks, as well as the Postal Savings Bank, so why bother to reorganize the Bank of Communications? The state has high hopes for you, hoping that you will be able to blaze a new path for China's financial industry reform, which is different from the past, thus playing a catalytic, promoting, and exemplary role in China's financial reform. Fang Mingyuan said eloquently.

"From the perspective of the professional of President Gu, it is not difficult to see that most of China's loans to state-owned enterprises in the past can only be called 'credit loans', and the hope of repayment is actually pinned on the state, even if these state-owned enterprises are insolvent, even if these state-owned enterprises should have gone bankrupt according to the standards of Hong Kong or abroad, according to the instructions of the government-leaders, the banks still have to issue loans for them with no hope of repayment at all. In the past, in fact, there was nothing, anyway, to Zuihou, these messes will still be compensated by the state to the bank. However, with the reform of the financial system, has Governor Gu not discovered that the government is increasingly hoping that banks can be independent, be able to take care of their own profits and losses, and be able to develop on their own. In this way, the bank only relies on the current business, which is simply more monks and less porridge, and it is a very good result to be able to maintain the status quo, let alone develop and grow. If this continues, the future of the banking industry can be said to be bleak. ”

Gu Yucheng nodded again and again, this is indeed a dilemma faced by the banking industry at present.

"So what? If possible, I would like to take out a mortgage from your bank. This is the collateral we brought! With that, Fang Mingyuan took out the backpack behind him and put it in front of Gu Yucheng and said, "The market price of these things is about 300,000 yuan, and I want to use this as collateral to borrow 200,000 yuan from your bank!" ”

Gu Yucheng opened his backpack, only glanced at it, and raised his head in surprise: "You are a monkey ticket!" ”