Chapter 1009: Collecting Umbrellas on a Rainy Day
Hearing the doorman's singing, Hua Kefang only felt a sigh in her heart.
Jinqi Bank can be said to be Hua Kefang's largest creditor, and Hua Kefang borrowed more than 300,000 taels of silver in the bank. If Jinqi Bank suddenly recovers the loan from Hua Kefang, Hua Kefang will really go bankrupt and become a seller.
Of course, Hua Kefang firmly believes that Jinqi Bank will not do this. Banks rely on a credit to do things, if today Jinqi Bank suddenly withdrew the loan and collapsed the Hua's Agricultural Machinery Factory, then which businessman would dare to take out a loan from the bank in the future? If a bank collapses a promising enterprise in this way, it is tantamount to destroying its own reputation.
Since then, bank loans are interest-free, and no one dares to lend.
But in any case, Cui Wending, as the president of the bank, cannot be taken lightly. Hua Kefang stood up and brushed the front of her shirt, and strode out of the door to greet her.
"Governor Cui, how did you get there in person?"
The small creditors of the Hua family who were watching the direction of the wind saw the president of the bank branch coming, and stood in the courtyard of the Hua family one by one to watch the excitement. At this time, the movements of the Hua family were related to the thousands or tens of thousands of taels of silver of the creditors, and these creditors completely ignored the etiquette one by one, and stood in the courtyard of the Hua family as if they were watching the court fight a lawsuit.
Even outside the door, there were many good deeds who heard the wind and pushed and pushed into the courtyard of the Hua family, standing next to the shadow wall and watching the excitement. The people of the Hua family shouted and scolded these people who watched the excitement, but there was nothing they could do about these people.
No matter how rich the Hua family is, they are just ordinary people in terms of political status. It's not a big deal to squeeze into his house to watch the excitement, and those who do good things are not afraid.
Cui Wending glanced around the environment of the Hua family, and asked Hua Kefang: "I heard that the Hua Agricultural Machinery Factory has stopped production at a loss?" ”
Hua Kefang looked at the bank president at this time, and she really didn't want to say that she was losing money and stopping production. You must know that the bank is the role of holding an umbrella on a sunny day and collecting an umbrella on a rainy day, and when it comes to business problems, the bank often withdraws. Admitting in front of the bank that your business is in poor condition is tantamount to saying to the bank, you can rectify me!
But Hua Kefang is now dumb and eats coptis, and she can't say what she is suffering from. At the beginning, in order to stop production and force the palace Qi King, the members of the Chamber of Commerce have said that the whole industry is losing money. Now this lie must continue to be made up no matter what, otherwise when the King of Qi says that he conspired to disrupt the social order, it will be a big crime.
Hua Kefang cried with a sad face and said, "It's a little loss!" ”
Cui Wending asked: "How long has the production been suspended?" ”
Hua Kefang glared at Cui Wending, and secretly said that this Cui Wending is not good.
Cui Wending is Li Zhi's father-in-law, and recently the Fanjiazhuang Chamber of Commerce has set off such a big battle to force Li Zhi in the palace, can Cui Wending not know? I am afraid that Cui Wending knows better than Hua Kefang about the suspension of membership of the Fanjiazhuang Chamber of Commerce. This is obviously a knowingly questioned.
Hua Kefang couldn't help but sneer and said, "Governor Cui doesn't know? It has been discontinued for a month. “
Cui Wending nodded and pondered for a while.
Pointing to the three bank employees behind him, he said: "Hua's Agricultural Machinery Factory is a large enterprise in Fanjiazhuang and the largest customer of Jinqi Bank, and has borrowed a loan of more than 300,000 taels of silver from Jinqi Bank. We can't afford not to be concerned about such a large sum of money. So now there is a problem with the Fahrenheit Agricultural Machinery Factory, and we have to go into the factory to do a credit check to confirm the safety of our loan. ”
Hearing Cui Wending's words, Hua Kefang really had no way at all.
Banks conduct credit checks, and that's a good reason. If Hua Kefang refuses, then the bank really has a reason to immediately stop the loan, recover all the loans, and collapse the Hua's Agricultural Machinery Factory.
Hua Kefang had already confirmed that Cui Wending was sent by Li Zhi to deal with him, and couldn't help but sneer: "Yes!" Examine! Feel free to check! “
With a shake of his clothes, Hua Kefang shouted loudly to his subordinates: "Prepare the horse!" Go to the factory to check! “
Hearing Hua Kefang and Cui Wending's words, the surrounding onlookers suddenly burst into whispers.
It seems that the Hua family is really in big trouble, and the banks have come to check the situation.
Hua Kefang Tie blushed, took Cui Wending through the crowd watching the excitement, and rode towards his agricultural machinery factory angrily.
The agricultural machinery factory is in the southern suburbs of Fanjiazhuang, and it has been closed for a month, and the gate has already been locked. Except for an old janitor smoking a cigarette at the door, the entire factory was almost empty.
Cui Wending looked at the empty factory and asked, "Director Hua, if this factory does not start, how will you repay the loan when it expires?" ”
Hua Kefang's face became more and more ugly, and he sneered: "Governor Cui, rest assured, the bank's collateral is intact. If we don't pay the money by then, you can sell our collateral. ”
Cui Wending was choked by Hua Kefang, did not speak, and walked into the factory from the small door.
Cui Wending walked around the factory a few times.
As Hua Kefang described, the machines and equipment in the factory are still maintained normally. The machine is still in a healthy state, and there are no problems with the collateral value. Cui Wending asked people to open a steam engine and found that there was no problem with the operation of the steam engine.
Finally, check the factory and land title deeds, and everything is complete.
Cui Wending took three bank employees to inspect for a morning, and finally walked out of the factory floor.
The next step is to look at the books of accounts to check profitability and cash flow.
In terms of account books, the Fahrenheit Agricultural Machinery Factory, which has been shut down for a month, is very ugly. There was no product sales for a month, and the entire factory was completely supported by Hua Kefang's private savings, and there was only no input.
Cui Wending finally listened to the report of the bank staff and said: "Director Hua, there is indeed no problem with the collateral inspection. But your company's finances are just too bad. For the safety of our 370,000 bank credit funds, we require additional collateral. ”
Hua Kefang's eyes glared suddenly when she heard this.
After sneering a few times, Hua Kefang said: "I don't believe it, President Cui, if I don't agree to you, you dare to take my loan?" Cui Wending frowned and said, "Director Hua, I heard that there are still three properties under your name that are not mortgaged. You are well aware of the current situation of your factory, and we are worried that the financial situation of the agricultural machinery factory will continue to deteriorate. If you are unable to provide new collateral, our head office is likely to hold a special meeting to discuss whether to recover the loan. “
"If the loan stops going into liquidation, I'm afraid that all the machinery and plant of the agricultural machinery factory will be auctioned for cash!"
When Hua Kefang heard this, she was so angry that the green tendons on her forehead burst out.
"You dare? We are the president of Fanjiazhuang General Chamber of Commerce, and we have a huge influence in Fanjiazhuang. If you dare to suddenly collect loans, no one in the entire Fanjiazhuang will dare to borrow a loan from your bank! All of your banks drink the northwest wind! ”
Cui Wending looked at Hua Kefang and said, "Are you determined not to cooperate with our bank?" ”
Hua Kefang sneered, disdainful of answering this question.
Cui Wending nodded and said, "Okay, based on the attitude of Director Hua, our head office will hold a special meeting to discuss the loan issue of the agricultural machinery factory. When the meeting is held, Director Hua should not regret it. ”
Hua Kefang almost roared and roared: "Open! Feel free to open it! My Hua Kefang is weak and can be bullied? ”