Isn't it, Brother Fan, are you playing with me?

Tang Tian's eyes suddenly widened.

Million!

Your lion has a big mouth?

Chen Xia, Huang Zixuan and Du Shuangyu also widened their eyes.

Only Ling Hefan's expression was as usual, holding the teacup and drinking tea slowly.

20 million, now in the eyes of Mr. Ling, is not a big deal.

"County Magistrate Fan, this, hehe, are you joking with me......"

After a while, Tang Tian shook his head again and again, a strange smile appeared on his face, but a trace of displeasure flashed in his eyes.

County Magistrate Fan, you are too outrageous, even if you are the governor's secretary, you can't talk like this.

20 million, you opened the bank by your family?

Fan Hongyu said: "President Tang, I'm really not joking. According to the current situation of Chaoyang Farm, within a year, the wages of cadres and workers will not be self-sufficient, and they must rely on loans. Only ** salary, bonus allowance for the time being, plus the farm itself will have some income, a year, about 8 million to spend. The other 12 million I intend to use as start-up capital for the construction of a feed mill and cage fish farming on the farm. I guess it's about the same. ”

Seeing that Fan Hongyu was serious, Tang Tian also became serious, and said in a deep voice: "County Magistrate Fan, I know that there are difficulties in the farm, and it stands to reason that we should support more." But let's be honest, our bank has a lot of difficulties. Now a lot of bad debts cannot be recovered, our funds are also very tight, and it is very difficult to turn over positions. 20 million is too much, such a large amount, our provincial branch can't make decisions without authorization, and needs to consult the leaders of the head office. ”

Tang Tian's meaning of shirk is very obvious.

In the early nineties, 20 million was, of course, a huge number, but it was a branch in a single province. I can still do the Lord.

"If it's hundreds of thousands, hundreds of thousands, I can still adjust it......"

Tang Tian immediately showed his "hole card" - the face of your county magistrate Fan is worth this "price".

Fan Hongyu smiled and said, "Don't worry, President Tang, I won't embarrass you, I have a guarantee." ”

"Guarantee?"

Tang Tian also smiled and shook his head slightly.

Which government loan program is not guaranteed? It's just an empty word, and it can't be implemented at all.

Naturally, Tang Tian never said this. Anyway. I have to save face for Fan Hongyu. Bank presidents originally relied on loans to "make good connections" and weave their own networks. If you offend the former provincial secretary for no reason because of the loan, it doesn't seem to be so cost-effective.

Even Huang Zixuan felt that Fan Hongyu's words were very unreliable. In addition to 30,000 mouths waiting to be fed, what else can Chaoyang Farm guarantee for a loan of 20 million?

It is estimated that this is also Fan Hongyu asking for a price with President Tang, but President Tang's "repaying the money on the spot" is too ruthless. Fan Hongyu wanted to borrow 20 million, and President Tang promised to give him 1 million, which was not above the same grade at all.

"President Tang, we, Fansheng Electronics Company, are willing to provide guarantees for the loan of Chaoyang Farm."

Ling Hefan, who had been sitting there drinking tea without saying a word, suddenly opened his mouth and said with a smile.

This electronics industrial park was built in Hongzhou. Ling's Group set up a new company, called Fansheng Electronics Company, registered in Hong Kong and wholly foreign-owned.

Tang Tian suspected that he had misheard: "Mr. Ling." Are you willing to provide a guarantee for Chaoyang Farm? ”

Ling Hefan doesn't look like that kind of fool, how can he vouch for Chaoyang Farm?

Fan Hongyu wants to borrow 20 million, not 2,000, not 20,000. Prosperous Electronics is certainly wealthy. You can't just take 20 million to play in the water, right?

"Yes, President Tang. And it is the most thorough guarantee. If Chaoyang Farm cannot repay your loan on time, we can repay it on our behalf. You can deduct the amount due directly from our account. ”

Ling Hefan said very firmly.

This is really the most thorough guarantee, so I almost lend money directly to Chaoyang Farm. Obviously, Ling Hefan does not have confidence in Chaoyang Farm, but in Fan Hongyu. In other words, no matter whether Chaoyang Farm can afford to pay back the money, in the eyes of Ling Hefan, Fan Hongyu's face is worth 20 million.

Tang Tian was shocked and asked: "Mr. Ling, it's 20 million!" ”

"Yes. Loan of 20 million, fully guaranteed. ”

Rei and Fan said with certainty again.

Huang Zixuan Du Pisces looked at Ling Hefan, surprised and delighted. The night before yesterday, Fan Hongyu asked Ling Hefan to send an "investigation team" to Yunhu County, regardless of salary, Huang Zixuan and they knew that the relationship between Ling Hefan and Fan Hongyu was extraordinary, but they never expected that the relationship would be so good. They have not visited the prosperous electronic industrial park built by Linghe Fan in the Changming Economic Zone, but they have also heard that this is the largest foreign investment in the history of Thanh Peak Province, and it is expected to be extraordinary. With Ling Hefan's guarantee, maybe the 20 million can really be loaned.

With 20 million, within the next year, Huang Zixuan will no longer have to worry about the wages of farm workers, and he will no longer have to beg his grandfather to sue his grandmother.

Fan Hongyu really saved Huang Zixuan's life!

Even if you can borrow less than 20 million, it is good to be able to borrow 10 million, far exceeding Huang Zixuan's expectations.

Tang Tian became serious and said to Fan Hongyu: "County Magistrate Fan, since the company is willing to provide a full guarantee for Chaoyang Farm, the loan can be discussed, I want to understand, what is the purpose of Chaoyang Farm's loan of so much?" Hehe, don't hide from the county magistrate Fan, we don't dare to agree to the loan to farm workers to pay wages. ”

When Tang Tian said this, it was actually equivalent to agreeing to the loan.

The basic account of Fansheng Electronics Company was opened in their provincial Industrial and Commercial Bank of China, and Tang Tian had a rough understanding of the scale of Fansheng Electronics Industrial Park, and he did have the ability to repay. With such a strong guarantee, the security of the loan is basically guaranteed, and Tang Tian is naturally willing to sell Fan Hongyu a face.

In the early 90s, the deposit and loan operations of the financial system were relatively irregular and extremely arbitrary. As soon as the market was opened, all kinds of underground banks vied with each other to absorb deposits from residents at high interest rates, causing from time to time the savings balances of large state-run banks to decline, and when the monetary system was tight, branches of various banks also used high interest rates to solicit deposits, and at the craziest times, the rate of return was even as high as 10 percent.

As for loans, it's even more irregular. It is the most common thing for enterprises to borrow money from banks, and to give gifts to the person in charge of bank credit and specific handling personnel, and many banks privately rebate loans as high as 20%. Loan 1 million, take 800,000 and leave, 200,000 directly stay.

Of course, this is a serious violation of discipline and law, but almost all banks operate in this way, and with the mentality of "not holding the public accountable for the law", the bank handling personnel are becoming more and more emboldened.

Naturally, with such a trick, Tang Tian couldn't use it on Fan Hongyu's head.

Therefore, Tang Tian reminded Fan Hongyu that if you want a loan, please give a suitable reason. No bank will agree to take out a loan to pay wages to farm cadres and workers.

This "project", that's a 100% loss.

Fan Hongyu said with a smile: "Thank you, President Tang, I have brought the loan application." ”

As he spoke, he took out a stack of neatly printed materials and gently handed them to Tang Tian.

This was printed with the help of Ling Hefan's secretary Tang Min, although Du Shuangyu is his correspondent, he has not yet learned to type on a computer. In the entire Chaoyang Farm, there is not a single computer at all.

Chen Xia may be able to type, but Fan Hongyu didn't work hard for her. After all, this is the business of Chaoyang Farm, and Chen Xia is the director of the Yunhu County Government Office.

In this loan application, the purpose of the loan is clearly stated, mainly to borrow money to build a large-scale feed production plant, large-scale cage fish farming and other production purposes. Naturally, it will not be a loan to pay wages to employees.

The loan regulations of Hong Kong banks are much stricter than those of mainland banks, and the loan application form made by Tang Min is very standardized.

Tang Tian took a general look at it, but he didn't look closely.

In the case of loan business with mainland banks, the reason for the loan has always been the focus.

"County Magistrate Fan, there is a general guarantee, Chaoyang Farm's loan, we can consider it. However, at present, we are also nervous, and it is still very difficult to borrow 20 million at a time......"

Tang Tian said to Fan Hongyu with a deep groan.

Fan Hongyu smiled slightly and said, "Thank you President Tang for your strong support to our Chaoyang Farm. I also know that it will be difficult to borrow 20 million at a time. If President Tang can give us a loan of about 5 million in the first installment, he will be grateful. ”

Tang Tian nodded and said, "Five million is still difficult, but it is our duty to support the construction of the farm." I'll try to figure it out. ”

It's quite high-sounding.

Huang Zixuan was overjoyed.

Although there are still many procedures to run to really get the loan done, as long as Tang Tian agrees, this is not a problem. If nothing else, at least there is no need to worry about the wages of employees next month.

After talking to Tang Tian for a while, a new guest came to visit, so Fan Hongyu and the others politely said goodbye and left. Tang Tian personally delivered it to the door. With such a large loan, it will definitely be interesting when the time comes, please Tang Tian and the bank's handling staff have a meal and entertainment, and they are not busy now. This is really just the meaning, compared to other people who apply for loans, County Magistrate Fan's face is too big.

Leaving the Provincial Industrial and Commercial Bank, Fan Hongyu invited everyone to lunch.

During the banquet, everyone was in a very happy mood, and Chen Xia especially talked with Tang Min very well. In terms of handling interpersonal relationships, this woman is really good.

Fan Hongyu instructed Huang Zixuan to let him and Du Shuangyu stay in the provincial capital for a few more days, go to the Provincial Academy of Agricultural Sciences, Qingshan Agricultural University, and implement the feed formula and cage fish farming technologies in advance. Once the funds are available, you can start implementing them.

With such a transactional work, there is no need to play the big signboard of the governor's secretary, and naturally there is no need for Fan Hongyu to go out in person, Huang Zixuan and Du Pisces will definitely be able to do it well.

Huang Zixuan agreed very neatly.

In the past two days, Huang Zixuan's perception of Fan Hongyu has changed a lot.

This young leader, who is really not bragging, does have two brushes.