Early the next morning, Xia Yun was woken up by Coach Anxi's phone, and the goods obviously couldn't wait for a moment, so he drove his Kia car directly and parked downstairs at Xia Yun's house.

"I said Coach Anxi, as for being in such a hurry, the bank didn't go to work until half past eight, and now it's only eight o'clock, and it's all in vain if you go!"

Xia Yun reluctantly got up to dress, wash his face and brush his teeth, while despising Wei Dongcheng on the phone.

Wei Dongcheng sat in the car and looked at the hall of Xia Yun's house, "This is the first loan in my life, and it is also the first time I have invested so much in business, and I am not like you, a local tyrant, can I not be in a hurry, I tossed and turned last night and just didn't fall asleep, and after my head was full of 10 million, what should I do, where to start, what if I fail......

Xia Yun was a little speechless, and also a little emotional, this kind of young people's passion and excitement for entrepreneurship, for Mao himself is gone, even yesterday he spent 300 million yuan, bought a whole Nanyang Group, I don't feel anything, is it because I have too much money? Or is your mentality really old......

Shaking his head, he threw these nonsensical thoughts aside, and in Wei Dongcheng's urging and nagging, he went downstairs and drove Land Rover and Wei Dongcheng to the county construction bank.

When he arrived at the door of the CCB, it was less than 8:20, Xia Yun found a place to park the car, looked at Wei Dongcheng, who was a little restless, and laughed at him to a nearby snack bar, sat down and ordered some breakfast, and mixed it up until 8:40, only then in Wei Dongcheng's angry glare, he settled the bill slowly, walked downstairs to the CCB, found the business card given to him by Sha Chun, the president of the CCB, and dialed it according to the landline number on it.

"Hello, who?"

Sha Chun's deep voice came from the phone, a little polite, but also a little reserved.

Xia Yun smiled slightly. "Hello President Sha, I'm Xia Yun, the same Xia Yun who toasted you at the Big Red Eagle Hotel last Saturday night, I don't know if President Sha still has an impression......

Sha Chun's voice suddenly became enthusiastic, and he smiled again and again, "It turned out to be Boss Xia, hello, hello, after that night." I'm still thinking about talking to you again, but I haven't had time to ......."

This kind of cliché, believe in you to have a ghost!

Xia Yun's heart was flushed, but he said the same enthusiastic words, and chatted with Sha Chun for a while before he got down to business, "That's right, President Sha, I have a brother." I want to start my own business and build a large digital store in Yuening, but the funds are a little insufficient. I would like to ask you, if I or Sanlian Machinery Factory are the guarantee, can I borrow some money from CCB? ”

On the other side, Sha Chun only thought about it for a few seconds, and then happily agreed. "With Boss Xia, you guarantee, of course this is no problem, I don't know how much your brother wants to borrow?"

Xia Yun squeezed his eyes at Wei Dongcheng, who was listening with his ears pricked up. said with a smile, "That's it, President Sha, I don't know if you are at work now, we are downstairs in CCB, how about going up to talk to you in person?" ”

Of course, Sha Chun has no opinion.

Putting down the mobile phone, the two slowly went up to the top floor of the CCB office building, found the president's office, and knocked on the door to enter.

Sha Chun was alone in the office, sitting on the sofa in the rest area, and after the two came in, they stood up and greeted them, stretched out their hands towards Xia Yun, and said with a smile, "Boss Xia, please sit down!" ”

Xia Yun also shook Sha Chun's hand warmly, exchanged a few more greetings, and introduced Coach Anxi to Sha Chun, "President Sha, this is my high school classmate and good brother Wei Dongcheng, who opened a store in Digital City, and the business has been good in the past two years, so I want to expand my business, and the two of us plan to partner to open a larger digital store in Yuening......"

Wei Dongcheng hurriedly bowed slightly to Sha Chun and stretched out his hands, "Hello President Sha!" ”

Sha Chun also shook hands with Wei Dongcheng with a smile, "Hello, hello, you are all rising stars, young and promising, when I see you, I feel that I am old!" ”

After the politeness, the two sides sat down separately, and Xia Yun got down to business, "President Sha, we have never taken out a loan before, so can you give us a brief introduction, and also, we plan to borrow eight million, I don't know if there is a problem with Lu Dao, what kind of conditions are needed, or procedures?" ”

Sha Chun groaned, nodded and smiled and gave Xia Yun and the two a brief introduction.

"Your amount is relatively large, the personal loan procedure is more troublesome, you can go through the process of corporate loans, Mr. Wei, since you already have a store in Cyber City, then presumably the industrial and commercial business license and legal personality should be there, first establish a credit relationship with our CCB, fill out an application for establishing a credit relationship, and then our bank will send a loan officer to investigate your company."

"This investigation is mainly to check that your actual business scope is the same as the business license, whether there is an independent financial plan, accounting statements, the benefits of the last year, whether the tax is normal, whether the ability to repay debts is guaranteed, etc., in addition, you should belong to the new expansion of enterprises. Whether 30% of the liquidity required for the expansion of capacity has been raised, and if it is temporarily insufficient, whether a plan has been formulated to make up for it in the short term, etc.! ”

"That is to say, if you want to borrow 8 million, it is best to have about 3.5 million in your account, of course, it really doesn't work, you can make a make-up plan, or wait for us to check, you will withdraw the funds, this is an unspoken rule, I told you the truth!"

"After the review is passed, you can apply for a loan, Mr. Wei, you fill out a "corporate working capital loan application", and then we review it again, the content of this review is mainly the purpose of the loan, the recent operating conditions of your enterprise, the development plan of the enterprise, the development prospects and debt capacity, etc., these are the things of our bank, it should not be a big problem, after going through the procedure, you can sign the loan contract!"

"In the loan contract, the type of loan, the purpose of the loan, the amount of the loan, the interest rate of the loan, the term of the loan, the source of repayment funds and the method of repayment, the guarantee clause, the liability for breach of contract, and some terms that need to be agreed are clearly written.

Sha Chun introduced the situation in one breath, and asked Wei Dongcheng with a smile, "I don't know if Mr. Wei is in a hurry for the loan, if he is not in a hurry, he will go through the formal procedure, the general problem is not very big, if he is in a hurry, he will have to go through special channels......

Wei Dongcheng hurriedly shook his head, "Don't worry, don't worry, you can get it within a month, I still have a lot of preparations to do!" ”

Sha Chun smiled, got up and went to his desk, found a few documents, and handed them to Wei Dongcheng, "Mr. Wei, there are a few forms here, you can fill them out first, and it's okay to go slowly after other procedures!" ”

Wei Dongcheng took a look, all of them were mentioned by Sha Chun just now, "Application for Establishment of Credit Relationship", "Application for Enterprise Working Capital Loan" and a loan contract, nodded, took out a black pen from his bag, and filled it on the Nanmu table next to the sofa.

Sha Chun saw Wei Dongcheng bowing his head to fill in the form, and chatted with Xia Yun with a smile.

"Boss Xia, I heard that today seems to be the time to reconvene the restructuring seminar of Licheng Machinery Factory, why didn't you go to participate?"

Xia Yun smiled slightly, "Governor Sha, don't always be Boss Xia, Boss Xia, I'm embarrassed to hear it, you can just call me by my name Xia Yun or Xiao Xia!" ”

After a pause, he continued, "This restructuring of the machinery factory should not be a big problem, and I have already transferred all the shares in my hand to my brother-in-law Xu Zhiyang, so it doesn't matter if I go or not......

Sha Chun was slightly stunned, "It's all transferred to Director Xu?" So you buy the machinery factory? ”

Xia Yun understood what Sha Chun meant, "Of course, in the name of Sanlian Machinery Factory, the funds will be transferred by me to Director Xu first, and the Sanlian Machinery Factory will be injected with capital in his name, and then Sanlian will acquire the state-owned Machinery Factory!" ”

Sha Chun let out a long sigh, groaned for a while, and said with a smile, "That Xia...... I'll call you Xia Yun, if you transfer all the shares in your hand to Director Xu, then there will be a little problem here, the guarantor column, it is estimated that you have to find Director Xu to sign and stamp! Or you provide a proof of asset document to prove that you have the ability to guarantee, of course I don't doubt what you mean, it's just a matter of procedure. ”

Xia Yun understood, and he didn't mean to embarrass Sha Chun, so he nodded with a smile, "Then I'll call Director Xu to come to you another day, by the way, the opening bank of our Sanlian Machinery Factory seems to be the Agricultural Bank of China, and next time I will ask Director Xu to change the opening bank to the Construction Bank!" ”

Sha Chun's eyes lit up suddenly, knowing that Xia Yun was returning the favor, and if he knew that if the Sanlian Machinery Factory successfully acquired the state-owned machinery factory, the total assets of the two factories were estimated to be hundreds of millions, and the annual turnover account could be at least tens of millions, and if they could all be deposited in the CCB, this would be a small performance for him, the president of the CCB.

Thinking of this, Sha Chun's smile became more kind, and he asked Xia Yundao again, "After you acquired the state-owned machinery factory this time, the production capacity must have been greatly increased, and the development speed will be much faster, do you need some help from our bank?" ”

Xia Yun thought for a while, shook his head and said, "After the successful acquisition, our company's debt ratio is estimated to reach 40 percent, in my personal opinion, for the time being, it is better to clean up some old accounts and triangular debts first, but I am not familiar with this aspect, and I don't care about the affairs of the machinery factory now, and the next time the director of the factory Xu comes, you can discuss it!" ”

Sha Chun nodded, not reluctantly, after Wei Dongcheng filled out the form, he promised to guarantee the loan within a month, and personally sent the two downstairs. (To be continued......)