Chapter 45 Large Loans
Fan Wuxian finally decided to lend money to Qiu Baohua, after all, even if he didn't participate in this matter, people would still have to take the money, and it was better to swallow it himself than to send the meat to other people's mouths.
Qiu Baohua's words also inspired Fan Wuxi, and he suddenly discovered that loans also have certain benefits.
Fan Wuxian knew that the yuan in his hand would definitely appreciate significantly, and it was not cost-effective to spend it now, but if he used it as a mortgage and borrowed a sum of yuan, even if he paid a certain amount of interest for it, it would be cost-effective. You must know that within a few years, the value of the yuan against the dollar will quadruple!
Therefore, after thinking about it for a day, Fan Wuxi came to the pedestrian bank of Panshi City and went directly to the director Mei Tianliang.
At this time, Fan Wuxian was already good-looking, and his height was not very low, so the bank staff didn't treat him as a child, but Director Mei could see him casually?
"Director Mei is very busy and has no time." A clerk said to Fan Wuxian.
Fan Wuxian didn't believe that Mei Tianliang might be busy, but at most he was just busy drinking and eating with others, what serious business could he have! So Fan Wuxian sacrificed the super invincible ** treasure, "I want a loan!" Big loans! Then he turned and gestured to leave.
"Loans?!" The clerk at the counter was immediately stunned, and then reacted and hurriedly shouted, "Hey, what you said is true?!" How much are you going to borrow?! Don't be too busy just yet! I'll help you find Director Meiβ"
Uh, I didn't expect it to work, huh? Fan Wuxi was suddenly a little stunned, although he also knew that the lending work in the past two years was still not good, but compared with the previous few years, it should have been much better, but he didn't expect that the Panshi City People's Bank was actually down.
Within a few minutes, Mei Tianliang ran out, shouting straight out of his mouth, "Who wants a loan?" β
Seeing this, Fan Wuxian suddenly fell a little desperate, and said in his heart, you are really miserable!
In fact, it is not that the lending in Panshi City is so difficult, in the past two years, there have been a lot of various small projects, and the sum of the zero and zero can barely solve the mortgage task of the People's Bank of Panshi City.
It's just that a batch of tasks have just been issued above, requiring all cities to support some big projects as much as possible, so as to help promote the in-depth development of the excellent situation of reform and opening up in various localities.
As a result, Mei Tianliang was a little unfazed and couldn't sleep.
The loan objects in Panshi City are mostly some small families, and most of them are 30,000 or 20,000 yuan, not to mention the delay in labor, and when the time comes, they have to send people down to supervise the repayment of loans.
If you want to go to a big project, it is tens of millions of funds in and out, but looking at Panshi City, except for those large military enterprises, who has the strength to lend so many money? However, the owners who have the strength to take out loans do not worry about the source of funds at all, or they are simply unwilling to engage in those high-risk things with unclear returns. Therefore, Mei Tianliang has been scratching his head for this year's lending task in the past few days.
"Director Mei, I want a loan." Fan Wuxian smiled slightly.
Mei Tianliang looked at it and found that the person in front of him was not very old, but he was calm and calm, and he was very pretentious, vaguely, as if he had some impressions, he couldn't help but hesitate, and asked with some uncertainty, "May I ask if you areβ"
"Chunguang Pig Farm, let's talk about the loan." Fan replied.
Oh, remembered! Mei Tianliang suddenly remembered that Fan Wuxian and Boss Wang had besieged the door of his bank together, and the business of Chunguang Pig Farm had always been very hot, how could they be short of money? But doubts are doubts, and business still needs to be done. What's more, if Chunguang Pig Farm needs a loan, it must be a big project, and the funding gap must be not small. Thinking of this, Mei Tianliang's eyes suddenly lit up, and he warmly invited Fan Wuxi, "Ha! Let's go inside and talk slowly! β
Entering Mei Tianliang's office, Fan Wuxi glanced at it and found that it was no different from before, except that the desk was a little older, so he said casually, "Director Mei is very economical!" The desk hasn't been changed in so long. β
"Hey, the bank's money, not my family's money, I have to plan to spend every penny." Mei Tianliang said with a smile.
Fan Wuxi shook his head and said, "This is also not true. β
"Oh? How so? Mei Tianliang made a cup of tea for Fan Wuxi, and then asked with great interest.
Fan Wuxian said, "Banks, that is, make money by lending, first of all, they must give people a feeling of wealth and wealth, how can you build confidence for customers if you are so old and dilapidated here?" β
Mei Tianliang carefully observed his office, and sure enough, he felt that what Fan Wuxian said made some sense, and couldn't help but say a little depressedly, "What you said also has some truth." By the way, you said you want to take out a loan, how much do you need to borrow? β
"If I use foreign currency certificates of deposit as collateral, how much can I borrow?" Fan Wuxian asked.
Mei Tianliang was stunned, "Foreign currency deposit certificates? Which bank's? β
Fan Wuxian took out the deposit receipt of 600 million yuan from his arms and handed it to Mei Tianliang.
As soon as he saw the deposit certificate of the Swiss bank, as well as the string of numbers on it, Mei Tianliang's expression suddenly became solemn, he never thought that the half-grown young man in front of him was actually carrying a huge amount of money, or foreign currency, which is amazing!
"I need to check it out first?" Mei Tianliang said cautiously to Fan Wuxi.
Naturally, Panshi City Bank could not find the account information of the Swiss bank, and if it wanted to apply for a pledged certificate of deposit loan, it had to contact the Hong Kong side.
After waiting for most of the day, Mei Tianliang ran back with a flushed face, and at this time he looked at Fan Wuxian with different eyes.
"Has it been verified?" Fan Wuxian asked interestingly.
"It's confirmed!" Mei Tianliang was a little excited.
"How much can you lend me?" Fan Wuxian then asked.
"According to the latest comparison between RMB and Yueyuan, and then removing the necessary discount for the pledge, you can lend 6.5 million yuan!" Mei Tianliang's heart was pounding.
It's not that Mei Tianliang's psychological quality is poor, but that such a big sum suddenly popped up in Panshi City, as an insider, he felt very excited!
Moreover, this big man seems to be very young! Full is a little Shota!;