Imperial Bank began to prepare for the loan business as early as a few years ago, but at that time, for some reasons, it had to temporarily suspend the launch of this business, but its internal loan business has not stopped, although it has not continued to increase investment, but it still maintains the original personnel structure. Pen & Fun & Pavilion www.biquge.info

Only one day later, Boss Zhao agreed to Lao Sun's invitation, and then, Boss Zhao invited the other four people to come to the headquarters of the Imperial Bank in Kaifeng with relevant materials. In fact, it is east of the Beijing-Guangzhou Railway, and the scope of Zhongjing is actually very small, only that administrative area is Zhongjing, and all the surrounding places are under the rule of Kaifeng.

Because the loan amount is huge, it also alarmed the senior leaders of the Imperial Bank, and at this time, it is no longer the bank clerk who originally contacted Lao Sun who can call the shots.

After receiving the information, the five left the Imperial Bank, because they had no effect on staying, and they were not needed to come forward in the later evaluation.

But obviously, for the Imperial Bank, it is not difficult to investigate the background and strength of these five companies, in fact, since the establishment of the Imperial Bank Loan Department, it has begun to continuously collect the information of enterprises in various regions, most of which are collected with the help of local governments.

In fact, it is not difficult, mainly to report the tax situation and scale assessment, no need to deliberately collect, only need to copy a copy of the information when filing the tax return, because the tax declaration is the basic data to see the strength of a business.

Because it is the first loan involving one million, so the Imperial Bank does not have the slightest carelessness, according to the information submitted by the five companies, this time they belong to a joint loan, and then set up a new company, in fact, it means that these five people are lending for the same company, and this situation also means that either all five are approved, or none of them can be passed.

Soon, the staff of the Loan Department of the Imperial Bank retrieved all the information, compiled it according to it, and then submitted it to the top along with the summary piece.

The situation of this loan is very special, and there are many special places, for example, he is the first joint loan in China, and the letter of intent for the loan indicates the purpose of the loan, the transportation industry, but for the transportation industry, the bank is obviously not sure about the idea. After all, they are banks, not imperial governments, and know which industries are likely to have greater potential for growth.

Eventually, this information was sent to the desk of Yan Weifan, the president of the Imperial Bank, and after some thought, Yan Weifan signed his name on the information, which means that the president of the Imperial Bank has approved the loan.

After receiving the news that the loan had been approved, Lao Sun and the others finally breathed a sigh of relief, although they were full of confidence, but the amount of the loan this time was too large, and none of them dared to guarantee that the bank would approve it? And this money will also be used for a whole new industry, what is the future development? No one knows.

"Several, the loans of the five of you have been approved, with a total loan of 2 million, and the specific share is 700,000 for Boss Sun, 500,000 for Boss Qian, 300,000 for Boss Li and Boss Zhao, and 200,000 for Boss Wu." The bank manager read out the loan amount for the five people and handed out the individually drawn up forms to the crowd.

"Manager Liu, is there a mistake? Lao Wu's strength is second only to mine, why is his loan only 200,000? Lao Sun asked suspiciously, this result was obviously unexpected, and no one reacted.

"Boss Sun, Boss Wu, I need to explain this to you in detail, because in addition to Boss Wu, the other four of you have industry as support, although Boss Wu also has a company store, but the nature of Boss Wu's enterprise is different from that of you, and the product simplification is too serious, and it cannot be estimated by external factors, so the bank's asset risk assessment score for Boss Wu is not high, so the loan amount of 200,000 yuan is the maximum that the bank can accept." Manager Liu explained quietly.

"So that's the case, it's okay, then I'll take out another 300,000 yuan separately to buy shares." After hearing the reason, Boss Wu was instantly relieved.

Manager Liu is right, although Boss Wu has a good flow and profits are not low, but his shortcomings are that the product simplification is too serious, and steel is currently a strategic resource, which is greatly affected by the country, and there is no guarantee that the profits can be long-lasting, and it is understandable that the bank only gave him a loan of 200,000 yuan in order to reduce the risk.

And the reason why Boss Zhao was able to borrow 300,000 yuan was not because he had a factory with an annual output of three or four million tons, and the bank obviously would not make a decision in such a hurry, but because they learned that Boss Zhao's factory was currently expanding, and all the funds for the expansion had been transferred to the government's account, that is, although the expanded factory had not yet been built, the funds were sufficient, and the government could ensure that the factory could be built, plus the previous statements of the factory or something, so he was given 300,000 yuan. If the factory is completed, it is estimated that it will be more than 300,000.

"Then let's talk about the way of repayment, the five chose a three-year loan, the interest rate is 6%, the interest is a total of 120,000, according to the bank's regulations, you need to repay according to the way of revolving repayment, of which you need to repay 20% of the principal in the first year, 30% in the second year, and 50% of the principal in the last year.

That is, in the first, second, and third years, 400,000, 600,000, and 1,000,000 need to be repaid respectively. In addition, you also need to pay interest on a monthly basis, that is, from the date of receipt of the loan, and the interest needs to be deposited into the designated account of our bank on the day before the day of the next month at the latest.

The total interest is 120,000 yuan, that is, you need to repay the interest of 3,333 yuan every month, and the interest of 3,334 yuan in the last month, and the interest does not conflict with the principal.

If the loan is not repaid within one month, the bank will take over your mortgage property and will not transfer the business back to you until you repay the current loan or interest. Another thing to note is that if you have not repaid the loan or interest after three months, the bank will have the right to change the owner of the business.

Last but not least, if your company loses money, the bank will ask the government to intervene in the investigation, and if the investigation is man-made, then you will be sued by the bank for loan fraud. In addition, the bank will regularly send people to your company to check the statements, please be prepared, do not do something regretted because of impulse.

If you agree and have no objection to these terms, then you can sign the contract, and then ask you to go to the government to apply for a license for a new company, and then come and open a company account with the license, and the Imperial Bank will transfer the funds to the company account when the account is opened. As for the property certificate, after signing, the bank will issue you a document, and you can just take it to the government. Manager Liu went through several important contents of the contract one by one.

However, because what he said is the key point, it sounds like there is a hint of overlord clause, in fact, if you look carefully, you will find that it is not a bully clause at all, the two parties agree on the time and amount of repayment, if the overdue bank naturally has the right to deal with these assets, as long as it is not overdue, it can be said that you can play how you want.

Regarding these terms, Lao Sun and others have long been familiar with it, after all, they want to take out a loan, so they naturally have to understand the content of the bank's contract first, and the clerk has already told them these important situations, and they also feel that this is nothing, maybe the only thing that has an impact is the pressure on several of them.

But if you want to make money and don't want to bear the pressure, how can there be so many good things in this world?

Besides, borrowing money from a bank is more suitable than borrowing money from other people, because borrowing money from a bank does not involve a debt to anyone, nor does it need to raise money everywhere because of the huge amount, and it can solve the problem in one stop, which is convenient and saves time and effort.

Lao Qian and the others finally picked up the contract and read it, and after confirming that there was nothing abnormal, they signed their names on the contract.

As for the next equity distribution, that's their own business, anyway, it's clear who has how much money in these two million miles, and there is no mistake.

After a busy week, the loan was finally completed, first to open a new company from the government, and then to open an account with a license, the bank directly deposited a loan of 2 million into the account, and Lao Wu took another 300,000 yuan and deposited it into the account, which means that they have a start-up capital of 2.3 million.

Subsequently, several people hurriedly divided labor and cooperated, sent representatives to the government to negotiate the purchase of trucks, they could not go to the factory to purchase, this year the purchase of equipment and everything need to be reported to the government, and then the government unified procurement, the price or anything is a dead number, the government is just using the radio to pass the order to others, and bear a guarantee.

As long as the factory receives the order, it means that the funds are already in the government account, and after the order is delivered, the government will naturally transfer the funds to the enterprise. However, this model is only for those heavy industries such as machinery and equipment, and the government does not intervene in light industries or anything.

After receiving an order for 100 trucks, the factory was also excited to clap its hands, military procurement and civilian procurement are two completely different results, civilian procurement means that they can already make their own profits, and do not have to rely entirely on the appropriation of higher departments to maintain operation.

Others are hurriedly running to set up sites, pull customers or something, and they are also busy for a while. (To be continued.) )