Hearing Manager Wang's speech, Liu He couldn't suppress his excitement, but soon thought that this was the end of the nineties in China, maybe the commercial atmosphere in coastal cities began to be strong, while inland cities were developing relatively slowly, and private commercial loans were still not very active. Pen, fun, and www.biquge.info

Just as he was thinking about nodding his head and agreeing, Liu Kaiming was beside him and laughed away: "Manager Wang, we only need to borrow one million, because according to the profit of our furniture factory, we can pay off the loan of one million next month, and we won't have to worry about money in the future." ”

There is a big gap between the thinking of the older generation and the younger generation.

In Liu Kaiming's view, if he didn't get a penny of money at a critical juncture, he would not take out a penny, because he always had a feeling of fear when he borrowed money from the bank, and he was afraid that what would happen if he couldn't pay it back, even if he had to pay the bank so much interest every month, it was not cost-effective, so he almost didn't think about it and rejected Manager Wang's suggestion.

And in the 21st century, when the debtor becomes the uncle, this kind of good thing of rushing to get a loan is probably only a fool who is unwilling!

It was a little embarrassing to be rejected by Manager Wang, but this look was quickly put away, at least the other party can still borrow a million No, this year seeing that the time is getting shorter and shorter, with these loans, this year may hit the top few credit raiders hopelessly gritted their teeth and completed the task is still no problem.

"That's okay, our bank is to provide financial help to enterprises like Boss Liu, with your factory's bills, I will ask for instructions from above, and strive to give you a loan tomorrow." Manager Wang smiled with a professional flower, and after speaking, he picked up the teacup and took a sip of tea.

The other party is sending off a guest, and the opportunity must not be lost and will not come again, Liu He didn't care about Liu Kaiming's thoughts and immediately said: "Manager Wang, what do you think is the maximum amount of money that our furniture factory can borrow from you at the current profitability?" ”

"Boss Liu, this is ......" Manager Wang glanced at Liu He, and asked Liu Kaiming suspiciously, Liu He's actions confused him, if Liu He, a young man, couldn't speak and be the master, he planned to ignore it and not answer at all.

Liu Kaiming also glanced at Liu He, Liu He gave him a hint of letting the other party listen to him, although Liu Kaiming was also puzzled in his heart, but Liu He was a genius in his heart and the masters of the furniture factory, so he said with a smile: "I'm sorry, Manager Wang, this is my eldest son, named Liu He, he was in charge of the sales work of the furniture factory some time ago, because he only transferred the work to another person now because he went to school." ”

"Okay, Boss Liu, I thought your son was your assistant, tsk, you can be qualified for the position of sales manager at a young age, I am still confused at his age, and I must be an extraordinary figure in the future." Manager Wang praised Liu He in his mouth, but he didn't think much of Liu He in his heart, in his opinion, Liu He was just gilding in his father's factory, and the achievements of the employees were counted on his head, and he had encountered such a thing.

However, Liu He's identity is here, Manager Wang thought about it and answered Liu He's question just now: "It's actually Boss Liu who asked, I'll just say more, with the business status and financial flow of your furniture factory, there is no problem with a loan of three million, and if there are leaders in the town to provide guarantees or other mortgages, it is not too much to borrow up to five million." ”

Liu He smiled indifferently: "Manager Wang, suppose we have a loan of 3 million from Skylark Furniture Factory, how much discount can you give us?" ”

"Offer?" Manager Wang smiled brightly, he was now starting to be a little interested in Liu He: "What you said is whether I can lower the loan interest rate for you, right?" ”

"Yes." Liu He replied calmly.

Manager Wang asked with a little curiosity: "Boss Liu, do you have any classmates' parents or relatives who work in the bank?" ”

"Nope!"

"Then in response to the preferential policies you just asked me for, you must know that our bank has a loan task every year, where do you know all this news?" Manager Wang is becoming more and more curious about Liu He.

Liu Hedu has already said just now that there are no classmates' parents or relatives working in the banking system, and now what excuse is there to explain to Manager Wang, the other party is destined to not get an answer.

Liu He smiled: "Manager Wang, don't ask, let's talk about how much the bank can reduce the loan interest rate if our furniture factory asks for a loan of 3 million?" ”

Before the year 2000, the interest on bank loans was less than 5 percent, hovering between 4.7 and 4.9 percent.

Manager Wang glanced at Liu Kaiming: "Boss Liu, do you really want a loan of three million from your furniture factory?" ”

The meaning in the words is very clear, that is, I don't believe that Liu He can call the shots, but Liu Kaiming is also simply: "Manager Wang, if the bank can borrow 3 million, I will gamble this time." ”

Liu He casually took out 40,000 yuan last time, and also revealed the information to them, which successfully erected the image of Liu He's ability quietly in their hearts, although they don't know where Liu He needs so much money, but Liu Kaiming subconsciously believes that there must be his intentions to keep it.

"Boss Liu is really a tiger father without a dog!" Sighing, Manager Wang continued: "Since you also know that the bank has a lending task, but that is not the most important thing, the main thing is that we have a good relationship with each other, I am willing to take the risk of a loan of three million to you, and you only need to give me four points of interest, what does Boss Liu think?" ”

Manager Wang's slightly ridiculous words Liu He automatically ignored, but the loan interest that the other party said was four points, but Liu He shook his head: "Manager Wang, Skylark Furniture Factory has always been thanks to the help of your bank, and it is okay to say that it is to pay according to the normal loan interest." ”

"But in business, furniture factory sales in the past few months is a fact, and the situation will get better and better, just now my father has a sentence is very right, after surviving this difficulty, we can almost not take out loans, the factory will have more funds on the books to we sigh that there is no place to spend money."

"Of course, your bank also has a task every year to absorb reserves, and now we have been cooperating with commercial banks, if we switch to other banks, I think they will definitely give us more favorable terms in loans."

Manager Wang's authority in terms of loans is still quite large, and there is still some room for reduction and exemption on the basis of 4%.

He thought that it would be enough to give Liu Kaiming and his son a taste of the sweetness, but he didn't expect Liu He to know so much about the doorway of the banking system, and even used the condition that the furniture factory would not cooperate with commercial banks in the future, which hit Manager Wang's own weakness.

After finally listening to Liu He's speech, Manager Wang wet his vest in a cold sweat: "Boss Liu, we have always been happy to cooperate, if you think that the loan is a bit more than four percent, we can still discuss, or I will help you apply for a low-interest loan, then the loan interest is slightly higher than the deposit interest, and our bank only earns a production cost." ”

Can banks really make a profit? If you believe in Manager Wang's words, that's a fool!