"Brother Ma, Mr. Ma, Uncle Ma, brother, I beg you, will you let me go?" Looking at the unrelenting Ma Chunbo in front of him, Lin Zheng smiled bitterly or bitterly, he didn't know whether he should admire Ma Chunbo's indomitable spirit, or should he hide far away...... Didn't I get a loan from you?

Regarding Ma Chunbo's behavior of wanting to stay at his home, Lin Zheng was completely convinced: my buddy has never seen such a person who took the initiative to send him to the door to ask for a loan.

"Don't, don't, as long as you're willing to help my brother, brother, it's no problem for me to call you grandpa," Ma Chunbo also knew that his repeated actions were annoying, but if he could get Lin Zheng's support, what would he gain in terms of face? "Brother, a factory, just a factory, as long as you take the loan used in the construction of one of the factories from our workers, brother, I won't say a word, I will leave now."

As the president of the Langya branch of the Industrial and Commercial Bank of China, Ma Chunbo is of course so low-voiced for a reason, and the reason is very simple: I hope that the construction funds needed for the four new electronic factories that Lianchuang Technology is preparing to build can be borrowed from ICBC.

For the major banks in China, Lianchuang Technology is definitely the most ideal loan object, although the company is huge, but the benefits are surprisingly good, the products produced are in short supply in the market, no matter how much they produce is not enough for the huge market to digest, the heads of the banks want to lend money to Lianchuang Technology, but this, it depends on whether the mood of Boss Lin is good enough...... People don't lack money at all, and they don't have to worry about not getting loans.

Ma Chunbo's ambitions are not big. All he wanted was to get the loan he needed for one of the factories...... He wanted to take it all, but if all the meat was eaten by himself, the CEOs of other banks in the city would have to tear himself alive?

Lin Zheng rubbed his forehead with a headache: This thing is difficult to do.

Let's be honest. Now Lianchuang Technology's own funds can fully bear the needs of factory construction, without delaying its own development, Lin Zheng does not like to borrow from the bank, the reason is of course very simple: Nima bank loans are subject to interest! Even if you can get a very low interest, you can't stand the base of the loan amount is too large, such a huge base, even if the loan interest rate is very low. The annual interest is also a huge number.

It's just that Ma Chunbo's dignified bank president has already whispered so quietly in front of him, and he can't say anything if he doesn't give face, so let's talk about it. The republic is a society of human feelings, and today Ma Chunbo has put on such an attitude, if Lin Zheng does not give face, it will inevitably cause people to discuss.

"So be it." He rubbed his forehead. Lin Zheng said simply: "Brother Ma, let me tell you the truth, I can't leave you with this loan, how much money we have borrowed from various banks in the past few years, you must also know how much money we have borrowed from various banks, and the group's financial director told our company to control the loan amount......

"But ......" Hearing that his hope was gone, Ma Chunbo was in a hurry and hurriedly interrupted Lin Zheng's words.

"You listen to me," Lin Zheng waved his hand. Signaled Ma Chunbo not to worry: "Although the loan will not leave you, I have another project." If it works well, it is not impossible to take a loan of more than 1000000000000000000000000000000000000000000 ”

"Really?"

Hearing Lin Zheng's words, Ma Chunbo couldn't believe it: a loan of more than a billion a year? What exactly is the project? You know, even if the city's economy has developed rapidly in the past two years, the amount of loans that ICBC can give out in a year is this amount, on the other hand, if Lianchuang Technology really has such a big project to cooperate with ICBC, then there is no doubt that this is no longer a matter that the city branch can call the shots, and nine out of ten will be handed over to the provincial branch to be responsible, but in any case, since this business is from their own hands, the political achievements that should belong to them are absolutely indispensable.

"Of course it's true, if it's done well, it will increase every year after that." Lin Zheng's tone was unusually affirmative.

Will it increase every year in the future? Lin Zheng's answer really scared Ma Chunbo, such a huge piece of good news, but Ma Chunbo couldn't believe it for a while, and after a long time, he cautiously said: "This ...... Mr. Lin, can you talk about it first? ”

"Our Lianchuang Technology took over Jiangbei Alto from the Ordnance Industry Corporation, do you know about this?"

"Yes." Comrade Lao Ma nodded blankly, of course he knew that the largest private enterprise in China had actually bought an automobile manufacturing enterprise from the Ordnance Industry Corporation, even if the automobile manufacturing enterprise was now half-dead, but this news was enough to cause a sensation within a certain range, but Ma Chunbo still didn't understand, what does Jiangbei Machinery Factory have to do with loans? Does Jiangbei Machinery Factory have to take out a loan from the bank every year?

Lin Zheng didn't expect Lao Chunbo to understand what he meant as soon as he opened his mouth, what he wanted to say, there was no bank or company in China that operated like this, Ma Chunbo didn't understand what he wanted to say, it was too normal.

"We have invested heavily in the introduction of a customized body panel production line, Jiangbei Alto is now about to start trial production, my idea is to cooperate with a bank to carry out car loan business."

"Car loans?" Ma Chunbo blinked his eyes twice, he was not a fool after all, and immediately understood the meaning of Lin Zheng's words: "You mean...... An individual borrowing money from a bank to buy a car? ”

"That's right, that's what it means." Lin Zheng nodded affirmatively.

"But ......"

With his mouth slightly open, Ma Chunbo didn't know what to say, loans for individuals have always been one of the main businesses of bank loans, although he has not operated it, but as a banker, Ma Chunbo also knows a little about car loans in developed countries in Europe and the United States, car loans, this is easy to understand, that is, private loans to banks to buy cars, but this approach works in Europe and the United States, can it work in China? Borrowing money to buy a car? Is it necessary for a public unit to borrow money to buy a car? Private? If you have money, you can buy it, and if you don't have money, who is willing to slap your swollen face and become fat to borrow money to buy a car?

Of course, this is not very absolute, many units do not have enough money to buy a car, don't they also go to the bank for a loan to buy a car? This is nothing, the truth is that there was no private car loan at all, which is the most important thing.

As for the matter of reviewing the qualifications for borrowing, this is not a problem, the reason is very simple, only those government units, state-owned enterprises and institutions in the formal staff are allowed to borrow, not the people in these units want to borrow? It's okay if you find someone in one of these units to be your guarantor.

Looking at Ma Chunbo's expression, Lin Zheng knew what this guy was thinking, nothing more than worrying about the problem that no one would borrow money after the launch of this business, but Lin Zheng would never tell him that the people who took out loans to buy cars in a few years accounted for the vast majority of people who bought cars, just reminded him of one point: "Old Ma, you must know that the face of our nation is bigger than the sky, the same department in a unit, everyone's income is the same, Lao Wang bought a car, watching people drive to and from work every day, the wind does not blow and the rain does not shine, Seize the opportunity to stammer with the leader, make a familiar face in front of the leader, and take advantage of the public in the unit every once in a while. Can Lao Sun stand it? Can you watch Lao Wang get sè in front of him all day long? Can you watch Lao Wang be attentive and indifferent in front of the leader? Isn't it just a small broken car, even if it is to borrow some money from the belt of Lehrer's trousers, you can't lose face, it's great to have two more pickles at home, it's not a big deal, anyway, no one sees it, there is a car to drive, whether you go out or in the unit, you have face, and your mother-in-law's wife is also glorious on her face. ”

Lin Zheng's words are really reasonable, Ma Chunbo has to agree with Lin Zheng's words, indeed, everyone is a person in a department, and the family's income is half a catty and eight taels, why can you drive a car to and from work Lao Tzu has to pedal a bicycle, and in the winter, he is frozen like Wang Ba, and in the summer, the rain will be drenched into soup chicken? It's okay if everyone doesn't have that, but if someone buys it, the rest of the department is comfortable! Someone took the lead, and others may grit their teeth and buy it...... Ma Chunbo is too clear about the thoughts of those people in the unit.

However, he also had his own worries, and said weakly: "But after all, there are still those who don't look at face." ”

"What does that have to do with us?" Lin Zheng's eyes glared: "What do you think, Lao Ma, even if there are two or three of the 10 people who have such a good face, this is our potential customer, you still expect everyone to be so impulsive, and don't look at our company's production capacity in a year." ”

yes......

Lin Zheng said this, Ma Chunbo finally reacted, as far as he knows, the annual design capacity of Jiangbei Alto is only 30,000 or 40,000 units, even if half of the cars are bought with loans, it is only a loan of hundreds of millions a year, compared to the huge domestic civil service base, this amount is nothing at all.

Thinking about this, Comrade Lao Ma was moved, but he was still a little worried: "But...... There's no precedent for this, and you know, it's much easier to do this kind of thing if you have a rut in the front, but if you don't have this example......"

"Don't say it, there really is, I heard that Chang'an Alto is also operating this project in Union Bank, and now it has almost been completely finalized, Lao Ma, you are a person in the banking system, you should be able to inquire after a little inquiry."

"Huh? Is that really the case? Ma Chunbo, who originally thought that this was impossible at all, heard Lin Zheng say this, his slender little squinted eyes suddenly glared, and they were full of excitement: If this is the case, then it will be ...... Hey, hey, hey...... (To be continued......)