Not long after Yu Shaocheng left, Chen Geng received a notice that Shen Daqing, the president of the Bank of Haizhou, was here. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Chen Gengdeng was depressed, these bankers, can't it be that they have a dog's nose? I just mentioned to Yu Shaocheng about taking out a loan to build 4 floating docks, and Shen Daqing came to the door?

Depressed is depressed, everyone is a friend, since they have come to the door, Chen Geng can't be seen, just teasing two sentences is indispensable, but what kind of person is Shen Daqing, not only was he not annoyed by Chen Geng's teasing, but he was keenly aware of Chen Geng's words...... Tsk, that's kind of interesting.

With a roll of his eyes, Shen Daqing hurriedly asked, "Brother, what do you mean...... Runhua Industry has a big project and is ready to take out a loan from the bank? ”

it!

Chen Geng reacted at this time, Shen Daqing came to look for him, and he was forced to do other things, but he was himself, and he accidentally said that he had leaked his mouth. Hurriedly shook his head and denied: "No, who did you listen to?" ”

After all these years of dealing, Shen Daqing is too familiar with Chen Gengna, and he was not very sure about it, but he immediately had a bottom in his heart: "Brother, you are too unkind, you don't even take care of my brother when you have a business...... Don't say how much our Bank of China has supported you Runhua Industry over the years, let's just say that brother, I didn't say anything to you, right? ”

That's right!

Chen Geng really can't find a reason to refute it, don't say anything else for the time being, just say that the four major state-owned banks in Haizhou, over the years, have really not said anything to Runhua Industry and Chen Gengna, although this is of course the reason why Runhua Industry has never liked loans very much, and more likes to solve problems by itself, but on the other hand, as long as Runhua Industry needs loans over the years, the four major banks have really never said a "no" word.

Shen Daqing has said this part, Chen Geng is really not good to continue to pretend to be confused: "There is a project, but I am still hesitant whether to play by myself or take out a loan, the current loan interest rate is so high......"

The current loan interest rate is indeed high, because of inflation, the 3 to 5-year loan interest rate that began to be implemented in April this year has reached 9.54%, and the 5-year loan rate has reached 9.72%, Chen Geng does not know much about the changes in the bank loan interest rate during this time, but it is said that the interest rate has been adjusted again, and it is estimated that the 5-year loan rate can almost break 10.

Shen Daqing is overjoyed!

He didn't expect that he just heard that Chen Geng was back, and thought about coming over to contact the relationship, but he encountered such a good thing, and hurriedly said: "Don't mind, brother, others are others, can you compare with you, brother?" Brother, you take out a loan, brother, I will definitely find a way to give you the lowest interest rate, right? Say, what is the project? How much does it cost? ”

"Well, it's not much, more than 100 million."

Shen Daqing's heart was no longer joy, but ecstasy, and he had only one thought in his heart: a loan of more than 100 million? It's sent!

Can Runhua Industry come up with more than 100 million?

It's so easy.

This amount of money is lower than the outrageous Runhua Industry with abundant cash flow, which is not a problem at all, in other words, "I'm wondering if I want a loan", Shen Daqing will definitely think that this guy is pretending to be X, but if this is said by Chen Geng, then he really thinks so. On the other hand, if someone else came to borrow so much money, Shen Daqing really didn't dare to think about it, but Chen Geng was different, there were so many banks across the country, who would worry that Runhua Industry would not be able to pay back?

"Brother, you have to give me this list, you have to give me whatever you say," Shen Daqing, who was overjoyed, took Chen Geng's hand and refused to let go, his eyes were as warm as if the two of them had a relationship: "You have to help my brother whatever you say!" As for the interest rate, you can rest assured, I promise to keep it below 7%. ”

Chen Geng was a little strange: "Our economic situation in Haizhou is very good, there are not many state-owned enterprises, and the development of the private economy is very good, how can you ......?"

For banks in various places, the most troublesome thing is the intercession loan from the government department:

The mayor said that the situation of the XX steel plant is not very good, and the workers are unable to pay their wages, so your bank should support it;

A few days later, the deputy mayor said again, XX cotton mill needs a sum of money to purchase raw materials, your banking system to support it? When the money from the cotton mill is recovered, it will be the first to repay the loan from your bank;

The boss of the thermos factory squatted at the door of the bank every day, saying that we would not survive, and if you did not give us some loans, hundreds of people in our factory would starve to death at the door of your bank......

It was even the government leaders who spoke to the bank: we are going to build a new development zone, in order to attract customers to invest, the basic three links and one level are always needed, right? But you don't have any money financially, why don't you develop the style of your banking system?

…………

Too many excuses and reasons, the most worrying bank CEOs are this, these situations are the main problems faced by the banking system across the country, but the situation in Haizhou is special, driven by Runhua Industry, the private economy is booming, the region has money in hand, and it is not a problem to support the enterprises in the city, why are the banks still busy stuffing loans into their hands?

Shen Daqing's face wrinkled directly into a bun: "Brother, do you know how much the provincial bank handed over to my brother how much of this year's provincial lending task?" ”

Without waiting for Chen Geng to reply to him, he raised two fingers: "2 Cheng!" I want to complete the loan task of the Bank of China system in the province 2 percent, and it must be the kind of high-quality assets, our economic situation in Haizhou is so good, who do you let me give the loan to? To tell you the truth, I still have a loan of almost 500 million yuan in my hand and nowhere to go. ”

There are still more than 500 million loans that have not been approved?

Hearing Shen Daqing say this, Chen Geng is a little sympathetic to this guy, it is now the end of September, almost three-quarters of the year has passed, and it is indeed a little embarrassing for Comrade Shen to lend out the 500 million yuan in the remaining 3 months.

But Chen Geng didn't plan to be so cheap Lao Shen, since you have shown your hole cards yourself, how can I accept the 7% interest rate? Chen Geng was embarrassed and said: "But this loan is not applied for by our group company, a shipping company controlled by our group is preparing to purchase a floating dock, and they plan to apply for a loan from a bank in Bashurong Prefecture......

Without waiting for Chen Geng to finish speaking, Shen Daqing laughed: "As far as the economic situation of the Bashu region is concerned, no matter how good the financial situation of your shipping company is, do you think the bank there can get such a large amount of money?" I'm going to settle for this loan! After speaking, Shen Daqing realized another thing: "By the way, brother, I know the dock, but what is the floating dock?" ”

Chen Geng: "You can call the floating dock an iron box floating on the water, and this iron box has the same function as a dock on land, which can be used for shipbuilding, ship repair and overhaul. A 10,000-ton freighter can cost about 400,000 to 500,000 yuan for an overhaul in a traditional land dock, and less than 300,000 yuan for a floating dock, and the damage to the ship is almost zero......"

"Understood," after listening to Chen Geng's explanation of the role and purpose of the floating dock, why this floating dock was built, and where it was going to be placed, Shen Daqing nodded again and again: "This is a good project, if it is really like what you said, there are so many threads in the entire Yangtze River, but there is no land dock above the middle reaches of the Yangtze River that is suitable for cargo ships of more than 5,000 tons for maintenance, where do you get so many floating docks, it is really a good business......

Speaking of this, he suddenly realized something, and his face suddenly became a little weird: "If I'm not mistaken, it seems that you have a shipyard ......"

"That's right," Chen Geng frankly admitted: "We have introduced the manufacturing technology of floating docks from Ukraine, and we are ready to come to these floating docks ourselves." ”

"I'll go like this! That is, you take out a loan to buy things from your own business? Shen Daqing screamed strangely, and looked at Chen Geng speechlessly: "Brother, you are too good at business, right?" ”

According to the current habits of domestic enterprises, how can there be such a game for procurement between members of the enterprise? Everyone moved the money from the left pocket to the right pocket, and in Shen Daqing's view, this move of Runhua Industry was simply taking off his pants and farting - this is an extra move.

But Chen Geng didn't think so, he said with a straight face: "Old Shen, I know that the various subsidiaries and holding companies of our group are independently accounted for, and their business dealings with each other must also be accounted for clearly. I know that everyone doesn't do it, but those companies that don't do it don't seem to have as good a benefit as our Runhua Industry," looking at Shen Daqing, Chen Geng said meaningfully: "Brother, you should know how important it is for this company to have a good financial situation." ”

Hey? Really.

Chen Geng didn't say that Shen Daqing hadn't realized it yet, but after hearing Chen Geng say this, Shen Daqing suddenly realized that it seemed to be really the truth, although Runhua Industry's approach seemed to be a bit redundant, but the good benefits of others were something that everyone could see: "Okay, you have a point, but this loan ......"

Chen Geng thought about it for a while, and simply gave Shen Daqing a bad idea: "In this way, take this opportunity to expand a large shipyard at the shipyard, and your four major banks will simply organize a joint loan group to lend us money - I have a good relationship with everyone, if this bowl of water is uneven, I will not be scolded to death by everyone?" Of course, how the specific share should be distributed is up to you. ”

"That'...... Come on. Shen Daqing was a little reluctant, but Chen Geng's words came to this point, and Shen Daqing couldn't say anything, just like Chen Geng said, he had a good relationship with the heads of the Haizhou branches of the four major banks, and the situation faced by the four major banks was similar, they all had a lot of loans in their hands that had not been released, and if they didn't borrow money, they would just have to take care of it. After thinking about it, he planned to make up for himself: "But if this is the case, your total loan amount cannot be less than 200 million." ”

Chen Geng made a silent calculation in his heart and nodded: "200 million is 200 million, but in terms of interest rate, the interest rate for 5 years cannot exceed 5%. ”

"5% for five years? Why don't you grab it? Shen Daqing was immediately furious: "The current 5-year loan interest rate is 10.1%......"

Chen Geng directly played the scoundrel: "I know, but you also know, I don't have to take out a loan, even if it's 5%, it's 10 million a year...... Well? It's not that I don't know, but I don't know...... Forget it, don't take out a loan......"

"Don't mind, brother, Cheng, you just do what you want, 5% is 5%, that's it." Even if he knew that Chen Geng was deliberate, Shen Daqing was also scared and anxious: Nima! 10 million a year!

Chen Geng's words can be said to have poked Shen Daqing's death hole, Shen Daqing was like a deflated ball, deflated, he knew very well that although Chen Geng's words were threatening, they Runhua Industry could really do what they said.

For Runhua Industry, this money can be borrowed or not, and it will not affect anything if it is borrowed, but it will have an additional interest expense: with an annual interest rate of 200 million and 5%, it is 10 million interest a year, and the enterprises that can achieve a net profit of 10 million a year are all proper large enterprises;

But for the banking system, especially the banks in Haizhou, even if the four major banks divide the 200 million loans equally, with these 200 million, the burden on everyone's shoulders is much lighter......

It has always been the enterprise begging the bank, but now it has become the bank begging the enterprise and saying, "Uncle, you can do it, borrow some." ”

Nima, that's embarrassing.

Smacking his lips, Chen Geng said tentatively: "What do you think of 4%?" ”

"I fought with you......"

………………………………

"You're saying that there are banks that are willing to lend us money at 5% per annum?" Receiving Chen Geng's call, Yu Shaocheng was pleasantly surprised.

He was worried, before he swore that the money could be borrowed from the banking system in Rongzhou, but things were different from what he thought, when he talked about it with his friends in the banking system in Rongzhou, the friend was directly frightened, and bluntly told him that now the entire banking system in Rongzhou can lend less than 300 million funds, which is more than 3 months before the end of the year, if you lend you 120 million, the remaining 180 million is not enough?

Based on Yu Shaocheng's understanding of the situation of enterprises in Rongzhou, the 180 million is not enough.

He was worried about how to find such a large sum of money, but he didn't expect that before he could speak, the boss had already dealt with the matter for him......

Chen Gengke didn't know that Yu Shaocheng had such a mental journey, and he didn't think much about it: "Yes, I think it's not bad, it's much cheaper than the loan interest rate on the market, I guess you can't get such a cheap loan, so just go for this." ”

Yu Shaocheng's heart is simply full of mixed feelings!

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PS: Brothers, I'm sorry, last night's chapter was 1000 words less, and this chapter is 4000 words to make up.