Huifeng Bank (Huaxia) Beijing Branch Meeting Room

"It's a pleasure to meet you, Mr. Jiang, and welcome you to become a customer of Huifeng Bank, and I believe that our cooperation will be worthy of each other's expectations!"

The account manager of Huifeng Bank is very polite, not to mention that Huifeng's service starts from the lobby, and the young boss with yellow hair and curly hair with an extraordinary female assistant appears......

The lobby manager came up to greet him, politely asked for his intentions, and directly invited people into the small reception room.

The price of the coffee fruit tray has come up, and the account manager wearing a professional skirt and a small vest with his hair in a bun can score at least 70 points, and the key is to feel very comfortable at home.

Jiang Yelin Shi Ran took out a cigarette, and the other party skillfully handed over the lighter, and after lighting the cigarette and taking a puff, the goods said with a smile:

"I've seen it for a long time today, I thought that Huifeng's account managers were all foreigners, Assistant Qian, don't let Xiao Tang know about it when I go back, otherwise my ears won't be clean......"

Jiang's foreign language learning course never officially began, after Huaxia Bank's request for additional loans was politely rejected by the other party on the grounds that the quota exceeded the quota that year.

Jiang Yelin waved his hand, got into the female assistant's Audi car directly, and rushed to the Beijing branch of Huifeng Bank in Jianguomen.

We still don't believe it, Huaxia Bank is too conservative, Ji Mingbu is not accommodating at all, and Kanazawa is also helpless, thinking about the half of the building in his hand like hard currency, can he not give a loan as collateral?

Then I'll go to a foreign bank!

And Xiao Tang, the secretary whose foreign language is not as good as Qian Cangai, was left at the Youyi Hotel to watch his home and answer the phone, not that the company has to have someone, but that the boss is unwilling to take two beautiful female assistants to travel at the same time.

That's too high-profile and too sassy, and the sneers and cynicism between the two women are really unbearable.

"It's said that it's a personal secretary, and there is no consciousness of a secretary all day long, boss, you're just too polite to employees, and some people are pampered and arrogant......"

Qian Cangai now has the title of assistant to the general manager, and he speaks bolder than before, but the boss didn't say anything when he heard it.

The beautiful manager of Huifeng on the opposite side handed over his business card at this time, and Qian Cangai took it directly for the boss, and gave back the business card of Yelin Company printed with the clover LOGO, and the two sides entered the topic.

"Boss Jiang, just now the lobby manager said, in addition to opening an account, you want to apply for a loan in our bank this time?

You know that Huifeng Bank wholeheartedly welcomes young and promising private business owners like you, but unfortunately, Huaxia has not yet opened up the RMB business of foreign banks.

So I'm afraid we can't open a RMB account for your company, and we can't issue RMB loans to you......"

This answer was beyond Jiang Yelin's expectations, and Qian Cangai on the side also patted her forehead, her face was a little red, and she remembered that it seemed that the CBRC did have such a regulation:

Foreign-funded banks can only carry out foreign exchange business, otherwise the domestic commercial banks will not be able to compete with the old imperialist foreign-funded banks, and the people's deposits will have to go to other people's pockets.

"Can't you lend RMB? Is it okay to set up a foreign exchange account and issue loans in Hong Kong dollars or US dollars? Assistant Qian made up for it and asked anxiously.

"Of course, you can, but as a foreign-funded bank, our lending review procedures are much stricter than those of domestic banks in Huaxia, so I would like to ask......

What is the scale of Yelin's assets, what is the main business and cash flow, and is there any demand for import and export business and foreign exchange receipt and payment?"

Huifeng Bank, a Hong Kong key account manager, spoke softly, with a bit of the heroine's demeanor in the videotape.

This is like the first time Chinese mainlanders hear the Hong Kong and Taiwan dialect, they always feel that the other party's speech is a bit feminine and contrived, in fact, our current Mandarin is just a northern language based on the Beijing dialect......

The Chinese spoken by Taiwanese is the standard language of the Republic of China.

Jiang Yelin smoked a cigarette, looked at the other party and didn't speak, and Qian Cangai on the side hurriedly opened the purse, smoked a piece of paper and handed it over, and said,

"The basic financial situation of Yelin Company is on the top, please take a look!"

"Hey, Boss Jiang, your company was just registered before the Barcelona Olympics, I'm afraid it's a bit difficult to do, you know, banks prefer companies with stable operations, especially sustainable business development......

Your company, with all due respect, is a bit like a one-person leather bag company registered in a hotel, so I'm afraid Huifeng won't be able to give you a loan for the time being! ”

The account manager, who looked a little similar to Sister Weng, looked regretful, and put down the page of the company profile and financial summary carefully prepared by Qian Cangai without looking down.

"This manager, I'm afraid you can't judge the growth and future of a company by the length of time it has been in operation, right? Although Yelin Company was established not long ago......

But the total assets have soared from 2 million to more than 20 million, and we have also invested in antiques in Hong Kong and real estate in the North Third Ring Road, and the company's development momentum is very good.

But our funds are all on equity and real estate, and now we urgently need loans to improve cash flow to develop new projects, as long as Huifeng has a vision.

You should know that Yelin Culture Media Entertainment Investment Co., Ltd. is a golden rooster that can lay eggs! ”

On the way to these words, Qian Cangai has already rehearsed with the boss once, and now he is full of confidence when he says it, as if Huifeng does not take out a loan, that is, he has no vision and missed the opportunity to discover gold customers.

Qian Cangai's righteous words were even a little intense, and Huifeng's Hong Kong account manager was shocked when he heard this, and had to apologize.

Then I picked up the introduction again and read it.,After reading it, I'm really a little surprised.,

"Boss Jiang, Miss Qian, it turns out that Huaxia Bank has already lent you a three-year loan of 10.99 million yuan, and you know that the interbank loan itself is also a kind of credit, which can be used as a reference for our bank's loan......

"However, your company's loan in Huaxia Bank is a mortgage, which is a little lower than the credit rating of the credit loan, and if you apply for a credit loan this time, I am afraid it will be a little difficult.

When it comes to a mortgage, I don't know which part of the assets you plan to use as collateral? What size of loan is needed? Where is the investment direction? ”

"Hong Kong Ye Qiu Antique Company has a registered capital of 10 million Hong Kong dollars, and Ye Lin Company owns 50% of the equity, and I hope that the mortgage loan will not be less than 3 million Hong Kong dollars.

The 12-storey tower high-end apartment commercial house at No. 77 North Third Ring Road, Ye Lin Company owns the property rights of 7-12 floors, and I hope to get a mortgage of 5 million Hong Kong dollars.

If the loan is successful, Yelin Company will buy the 1st to 6th floors of the same building, so as to completely own the property rights of this high-end commercial and residential property! ”

Jiang Yelin's answer was straightforward, and the beautiful assistant on the side realized that the boss was going to buy the entire building, so he was in urgent need of a loan to replenish funds!

"Boss Jiang, your ambition is very admirable, I will prepare a list of documents for your assistant to get a loan, if you don't say anything wrong......

Regardless of whether the loan is established or not, you and Ye Qiu Company will become VIP customers of our bank. ”

The meeting room of Yelin Company of Youyi Hotel

"Mr. Jiang, although I am not from a financial background, I am also a little more sober than some people who dare to be the financial manager of a large company with an accounting certificate.

Ye Lin's total assets look gratifying, but this asset-liability ratio has soared like a rocket, right?

Hey, comrade financial manager, how much does our company owe the bank now, and how much interest will you pay every year? ”

Of course, Tang Liya was depressed, the old man at home was a little uncomfortable a few days ago, this little girl was very filial, she took a few days off to help take care of her at home, and waited for her to go back to the company to see,

It's amazing, Brother Xiao Ye took Qian Assistant and actually bought a whole building in two times, or the location of the North Third Ring Road, the price is even more expensive, what kind of thing does the company want to get?

It is reasonable for a cultural company to do antique business, and what future can it have for property speculation, especially in Beijing? !

"Boss, at present, the development of our company is gratifying, and the company's total assets have exceeded 40 million, including 27.74 million in fixed assets.

Including the market price of Yuan Qinghua Guiguzi downhill big tank is 15 million, Mercedes-Benz car is 400,000, Audi car is 300,000, 3 Motorola 168C mobile phones and Hanxian BB machine are worth 70,000, and the entire 12-story commercial and residential building of Beiying is 11.97 million.

Foreign investment in Hong Kong Yeqiu Antique Bank 50% equity 5 million, current assets cash 7.88 million, liabilities are Huaxia Bank 3-year loan of 10.99 million, Huifeng Bank 2-year loan of 8 million Hong Kong dollars worth about 11.2 million soft sister currency, loan annual interest rate is 8%"

Qian Cangai looks like a treasure, and he is a bit of a protest posture to Secretary Tang opposite, but in fact, he has no bottom in his heart like the other party.

The boss spends too much money, and although it is true that the asset scale of Yelin's company has skyrocketed, it can be saddled with a loan of 22.19 million, which has to pay 1.77 million yuan in interest every year.

The company's net worth is still hovering between 17 million and 18 million, so why pay so much financing costs every year to work for the bank?

"I said financial manager, your account doesn't seem right, the commercial and residential building in Beiying was bought at a discount, and it only cost 10.42 million in total, including taxes and fees, why is it worth 11.97 million in your account in less than a week?

The value-added profits of more than 1.5 million yuan fell from the sky? "Secretary Tang's ability to settle accounts learned quickly, which is a bit unforgettable.

"Okay, Xiao Tang, it's true that when we buy it, it's a discount, but the total sales price of commercial and residential buildings filed by Beiying Group in the Real Estate Bureau is not 11.97 million.

What's more, the property prices in the capital are also rising with Hainan, if you really want to re-evaluate, maybe it is worth more, but you can't just sit and wait for the appreciation to sell it.

I'm a nostalgic person, and I don't want to lose what I have! Jiang Yelin accentuated the tone of the last sentence.