Chapter 77 Loans
After school at noon on Thursday, Ding Hongxing rode his bicycle and went to the Agricultural Bank of China, and when he came to the credit stock, fortunately, Zhang Xianghua was about to close the door and go home.
Ding Hongxing called "Brother Zhang", Zhang Xianghua looked back and called happily: "Hongxing, are you willing to come to see your Brother Zhang?" I didn't come for so long, I thought you forgot about your brother Zhang! ”
Ding Hongxing smiled: "How is it possible? It's just a busy time at school. ”
Zhang Xianghua locked the ****, turned around and said to Ding Hongxing: "Let's go, let's go to the Guicheng Hotel for dinner." ”
Ding Hongxing said: "Brother Zhang, how can I let you break the bank again?" ”
Zhang Xianghua waved his hand and said, "What's the cost?" We can sign the bill, don't eat for nothing. ”
Ding Hongxing didn't say anything more, so he followed Zhang Xianghua downstairs, and the two of them rode a bicycle to the Guicheng Hotel.
Zhang Xianghua asked for a private room, took Ding Hongxing in, ordered four dishes and one soup, and waited for the waiter to go out, Ding Hongxing smiled and said: "Brother Zhang, look at your red face, is there any happy event?" ”
Zhang Xianghua said with a smile: "It's not thanks to you that your brother Zhang has turned positive!" ”
Ding Hongxing asked, "You mean, you are now the head of the credit stock?" ”
Zhang Xianghua nodded proudly and said: "Yes, a few days ago, our Chief Jia was transferred to the regional branch to vacate the position of the head of the unit, Vice President Xie and President Xiong both took a fancy to me, no, it was announced two days ago, I will temporarily fully preside over the work of the credit unit, and it is estimated that the document will be officially issued after New Year's Day." It's all your credit, brother! ”
Zhang Xianghua's words are not an exaggeration, he is qualified in credit stocks, of course, he is not as good as another deputy head in his forties, the bank can let him preside over the work of credit stocks, of course, it has a lot to do with him organizing a football team and winning the city's football championship, that incident made the Agricultural Bank of China in the city's limelight, President Xiong and other bank leaders also showed their faces in front of Secretary Xu, of course, Zhang Xianghua has a good impression, and at this time it is time to reward meritorious deeds.
Because of this matter, Zhang Xianghua regards Ding Hongxing as his nobleman, he is now in full charge of the work of the credit unit, and has the right to sign the bill, even if he does not sign the bill, it is not difficult for him to find a company for reimbursement, so he enthusiastically invited Ding Hongxing to dinner.
Of course, another reason why he invited Ding Hongxing to dinner was the attitude of Secretary Xu towards Ding Hongxing in the city, in the semi-finals and finals, Secretary Xu's attitude towards Ding Hongxing was extremely cordial, just like treating his own children and nephews, at a glance, he knew that it was different from others, and it seemed that the relationship between them was not ordinary.
No matter what, it is not a bad thing to be able to have a good relationship with Ding Hongxing, not to mention that Zhang Xianghua is very pleasing to Ding Hongxing.
Ding Hongxing smiled: "Then congratulations to Brother Zhang!" ”
Zhang Xianghua laughed happily, he is not yet thirty years old, he is already the head of the credit stock, this is a good pen fun pavilion www.biquge.info, as long as he manages well in the future, his future in the Agricultural Bank is bright.
After laughing for a while, Zhang Xianghua said to Ding Hongxing: "Hongxing, didn't you come to me today for something, right?" If you have something to do, just talk, what Brother Zhang can do must be done for you. ”
Ding Hongxing said with a sad face: "I don't know if I should say this or not?" ”
Zhang Xianghua patted his chest and said, "What should you say?" Hongxing, your business is Brother Zhang's business, say! ”
Ding Hongxing said: "Then I can say it!" ”
Zhang Xianghua took a sip of the tea poured by the waiter, and nodded while drinking.
Ding Hongxing said at this time: "Brother Zhang, that's the case, my family and a few relatives and friends plan to do some business in partnership, but I am short of funds, I don't know if I can borrow some money from your Agricultural Bank." ”
At this time, the waiter came in with two dishes, and after she put down the dishes and went out, Zhang Xianghua nodded casually and said, "Okay, it's right to find you Brother Zhang for this matter, how much does it cost?" ”
Zhang Xianghua said as he picked up a pair of chopsticks and put the fish meat in his mouth.
Ding Hongxing was afraid that his words would make Zhang Xianghua hold his throat, so he waited until Zhang Xianghua swallowed the fish in his mouth and drank another glass of beer before he spoke: "About 200,000." ”
Ding Hongxing thought that Zhang Xianghua would be very surprised, but to his surprise, Zhang Xianghua didn't have much of a surprised expression, and he didn't blink his eyelids and said, "Your business is quite big!" ”
Ding Hongxing said: "My family doesn't have many shares, and it's probably about 10%. ”
Zhang Xianghua nodded and said, "That's not bad." ”
The waiter walked in with a few other dishes, and came in with two bottles of beer and a can of Jianlibao, Zhang Xianghua said to her: "Close the door, I didn't tell you not to come in." ”
The waiter said yes and went out.
Ding Hongxing didn't know what Zhang Xianghua's attitude was, he asked, "How is it?" Brother Zhang, can you take out a loan? ”
Zhang Xianghua said: "If you can lend, you can lend, what kind of business do you plan to do?" ”
Ding Hongxing said: "Game hall, billiard hall or something." ”
Zhang Xianghua was interested: "This, I really like to play billiards." ”
Ding Hongxing said: "That's not what I said, when the business opens, Brother Zhang will go and play casually." ”
Zhang Xianghua frowned and said: "But it's a little difficult to do, if you are doing business related to agriculture or agricultural products, it will be easy to manage, we are the Agricultural Bank, for example, if you are engaged in aquaculture, then it is very easy to get a loan." ”
Ding Hongxing groaned: "That's it? If Brother Zhang thinks it's not easy to do, then forget it, I'll go to other banks and ask. ”
Zhang Xianghua hurriedly said: "No, you came to find Brother Zhang, and Brother Zhang has to do whatever he says." Don't worry, eat the vegetables first. ”
Zhang Xianghua said that it was difficult to handle, just to show that this matter was difficult, so that Ding Hongxing could admit his feelings more, and he was not really unwilling to do it for Ding Hongxing.
Ding Hongxing probably understands the doorway, he only said this to retreat, except for these people from the Agricultural Bank of China, which bank can he go to find someone?
At the moment, Ding Hongxing didn't urge Zhang Xianghua, he just drank Jianlibao quietly, eating vegetables and waiting for Zhang Xianghua to speak.
Zhang Xianghua drank a glass of beer and said: "It's okay, Brother Zhang will find a way for you, I will definitely do it for you, you and your friends will apply for a loan tomorrow, and the rest will be handed over to your Brother Zhang." ”
Ding Hongxing was overjoyed and said: "Thank you, Brother Zhang, you have helped me a lot!" ”
As he spoke, Ding Hongxing raised Jianlibao and toasted Zhang Xianghua, and Zhang Xianghua happily drank a glass of beer.
Ding Hongxing asked a little strangely: "Brother Zhang, it seems easy to get a loan now?" ”
After drinking three or four glasses of beer in a row, Zhang Xianghua's face turned a little red, and he said with a sense of wine: "It's easy to get a loan, it's easy to say, it's not easy to say." ”
Zhang Xianghua showed Ding Hongxing the doorway, it turns out that the right to lend in this era is in the grassroots branch, and the loan does not need to be approved by the branch, as long as the branch feels that the loan can be released, it can be released, so that the head of the credit unit has considerable power, as long as he signs, the vice president in charge of credit and the president will generally not refuse.
In this era, the silver root is also relatively loose, because the chief's southern tour caused the economic form to overheat, all parts of the country are doing it quickly, as long as there is a relationship, it is indeed very easy to get a loan in the bank, many people are registered a leather bag company, and they got a loan in the bank and dug up the first pot of gold.
Speaking of Ding Hongxing's desire to borrow 200,000 yuan is really nothing, the income of ordinary people is outrageously low these days, but the amount of businessmen who start business is not small at all, let's say Guicheng Agricultural Bank, the customers who take loans from them, the loan amount is millions or even tens of millions, and the deposit and loan scale of Guicheng Agricultural Bank is nearly 100 million, so Zhang Xianghua didn't blink when he heard Ding Hongxing's 200,000 eyelids.
Of course, the focus here is still on the word "relationship", of course, there is a relationship, of course, it is easy to say, if it doesn't matter, then I'm sorry, no matter how complete your procedures are, no matter how sufficient the collateral is, if you want to get a loan, it is the old cat smelling salted fish - don't think!
Since Ding Hongxing has this relationship with Zhang Xianghua, Zhang Xianghua naturally bears it.