Lin Wan was looked at by four handsome and young men, and her heart beat wildly involuntarily, and she stood there at a loss.

Xiao Mo kindly reminded: "Miss Lin, if you still stand there, we will finish eating." ”

"Oh." Lin Wan came back to her senses and hurriedly poured wine for the four of them, but judging from her faintly trembling hands, she was still extremely nervous in her heart.

Yang Dazhuang looked at Lin Wan with a wicked smile: "Miss Lin, what are you shaking?" It's not right for you to shake here. ”

"Hahaha......" The other three laughed at the same time.

Lin Wan blushed suddenly, her hand holding the wine really trembled, and a full glass of wine was sprinkled on Si Tianmu's black trousers.

Lin Wan was taken aback: "I'm sorry, I'm sorry, I'm ...... I didn't mean to. ”

She stared at Si Tianmu's pants a little overwhelmed, and subconsciously wanted to reach out to help Si Tianmu wipe them.

Seeing this, Si Tianmu grabbed Lin Wan's wrist and looked at her with a wicked smile: "Miss Lin, don't scratch indiscriminately, it's not good to catch the place where you shouldn't be caught." ”

"Hahaha......" The three die-hard friends laughed heartlessly.

Lin Wan's face suddenly turned red to her neck, and tears swirled aggrievedly in her eyes.

Aren't others saying that President Si is gentle and polite? also said that he was once willing to be an infatuated species for his first love. Why did she see the president of the division like a hooligan?

and his friends, why are they different from what is said on the news, they are all full of bad water.

Xiao Mo looked at Lin Wan, who was about to cry, and put away the smile on his face: "Okay, let's stop teasing Miss Lin, if we make Miss Lin cry, it will seem that we are bullying." ”

Lin Wan glanced at Xiao Mo resentfully, aren't you bullying people?

Si Tianmu also put away the smile on his face: "Miss Lin, don't care, our brothers like to joke when they are together, and we don't have any thoughts about you." You leave the wine here and go out, and we'll pour it ourselves. ”

Lin Wan bit her lip, Si Tianmu had issued an eviction order, she would be too cheeky to stay here, but she was a little unwilling to go out like this.

Si Tianmu saw that Lin Wan was standing there without moving, and his face immediately turned cold: "Miss Lin, you can go." ”

Lin Wan saw that Si Tianmu was unhappy, and hurriedly blurted out: "But I wet your pants, or if you take them off, I'll help you wash them!" ”

As soon as these words came out, the four people present were stunned for a second.

"Hahaha......" The three dead friends leaned forward and backward with laughter, and Yang Dazhuang slapped the table even more.

Si Tianmu closed his eyes and supported his forehead.

Yang Dazhuang laughed breathlessly: "Curtain, why don't you take it off and let her wash it for you, hahaha......"

Lin Wan also knew that she had said the wrong thing, and she couldn't stand there in embarrassment.

Si Tianmu leaned on the table with one hand to support his forehead, and waved towards Lin Wan with the other, signaling her to hurry out.

At this time, Lin Wan really couldn't find a reason to stay, so she bit her lip and walked out unwillingly.

A meal ended with the laughter of several people.

The laughter on the face can be seen by others, and who can feel the pain in the heart. I wanted to go back to the past, but when I woke up, I found that everything was unbearable.

After Si Tianmu dealt with the things on the construction site, he focused on the matter of borrowing. They have a lot of industries and can't gather all their funds in one place, so it is imperative to borrow money from banks to turn around.

Zhu Yin from the Finance Department gave Si Tianmu information on the three banks.

Si Tianmu finally chose Zhenxing Bank, the president of this bank, Xu Xing, is also a man of the hour, he once turned the tide and helped Zhenxing Bank on the verge of collapse to become one of the four major banks.

Si Tianmu asked Si Hao to contact Xu Xing personally and invite him to have dinner together tomorrow night.

Si Hao was very efficient, and he came back in less than ten minutes to report to Si Tianmu, saying that Xu Xing had agreed to their meal, and they would meet at the Shengshi Hotel tomorrow night, and Si Hao had already booked a private room.

Si Tianmu nodded, and continued to look at the information in his hand, he wanted to prepare for tomorrow night's negotiations.

God is fair, He gives everyone a key to open the door to success, as long as you grasp the key to perseverance, the dawn of success will shine on you without hesitation.

At six o'clock in the evening, in a private room of the Shengshi Hotel, Xu Xing arrived as promised.

Si Tianmu looked at the person in front of him without a trace, about fifty years old, with gray hair, dressed in a Mao suit, very energetic.

Xu Xing also looked at the young man led by the opposite, dressed in a straight gray suit, not only with a lofty atmosphere, but also with a calm and atmospheric body.

Xu Xing smiled and nodded, he was a very accomplished young man.

Si Tianmu came to Xu Xing and politely stretched out his hand: "Hello, President Xu, I'm Si Tianmu." ”

Xu Xing raised his eyebrows, neither humble nor arrogant, did not put himself in the position of asking for help, and won the lead for the next negotiation.

Xu Xing smiled and stretched out his hand: "Hello, President Si is really young and promising." ”

"You've won a prize." Si Tianmu then introduced Si Hao to Xu Xing.

"This is my secretary, Si Hao."

Si Hao stretched out his hand to Xu Xing: "Hello President Xu, I am Si Hao who spoke to you on the phone yesterday." ”

"Hello, Si's Group is really Crouching Tiger, Hidden Dragon." Xu Xing smiled and praised, and also shook hands with Si Hao.

Si Tianmu smiled, but said very seriously: "Thank you, President Xu, for your compliment, it is also our honor to have dinner with a legendary person like you." ”

"Hahaha......" Xu Xing waved his hand.

"Legends don't dare to be, they just take advantage of their age."

"Please." Si Tianmu made a gesture of please.

After the three of them took their seats, Si Tianmu opened his mouth first: "I know that President Xu doesn't like to be too noisy when he eats, so he only brought Secretary Xu over, you won't blame me for being too casual, right?" ”

"Hehe, no, no, I really like to be quiet when I eat, and President Si's move is exactly what I want."

Si Tianmu slid the ordering tablet, and then handed it to Xu Xing: "These are the special spring health recipes made by this store, do you like to eat?" ”

"I don't pay so much attention to eating, as long as I can eat enough." Xu Xing said as he took the tablet.

"When I was younger, when I was studying abroad, I was often hungry."

"Oh? Can you tell us about your experience when you were younger? Si Tianmu looked at Xu Xing seriously.

"To be honest, I'm curious about your legendary experience, what you went through abroad that would make you so extraordinary when you returned home."

Si Tianmu is very good at guiding the topic, and throughout the whole meal, he basically guides Xu Xing to speak, and Si Tianmu and Si Hao echo two sentences from time to time.

After a meal, the atmosphere at the table was much more harmonious, and Xu Xing also chatted happily.

After eating, Si Tianmu asked the waiter to remove the meal, served tea, and the three of them began to get to the point.

Xu Xing took a sip of tea: "President Si didn't just invite me to dinner today." ”

Si Tianmu smiled: "Inviting you to dinner today is indeed the main thing, because I really want to make friends with a knowledgeable and courageous person like you." ”

"Even if you don't have any business dealings, you can learn a lot just by chatting with you."

"There is also one thing I want this time, if you want, we will talk, if you are tired today, we can take time to talk about it another day, so you have the final say on whether to talk or not."

"Hahaha...... President Si is really a good negotiator, and it seems that the leading power is with me, but in fact, he has put forward a choice that I can't refuse. ”

Si Tianmu smiled and didn't speak.

Xu Xing restrained the smile on his face: "If I'm not mistaken, President Si is here today for your group's loan." ”

Si Tianmu smiled: "Eating is the main thing, and the loan is secondary. ”

Xu Xingzheng said: "Actually, your financial director Zhu Yin also came to me before, and she gave me a very detailed loan application, and our leadership also held a meeting to discuss it, but it was not approved. ”

"Because your loan amount is too large, it is a bit overwhelming for our bank."

Si Tianmu smiled, and was not in a hurry to express his position, but looked at Xu Xing: "President Xu, I will show off my axe, you see if what I said is right." ”

Xu Xing made a gesture of please.

Si Tianmu opened his mouth and said, "Your lending is different for small companies and large enterprises. ”

Xu Xing raised his eyebrows, but he didn't interrupt Si Tianmu's words.

"Even if a small business has a lot of connections and wants to get a large loan, your bank will often politely refuse; Even if a large enterprise does not need a loan, perhaps the staff of your bank will come to the door and ask for a deposit or loan. ”

"Why?" Si Tianmu looked at Xu Xing, and Xu Xing looked at Si Tianmu with a smile.

"I think the key issue is that banks and corporate managers are from different perspectives and focus on different things."

"For example, if a small company has a high gross profit margin, this is important for corporate managers and shareholders, but short-term bank loans do not value this."

"Banks don't usually see profits as a particularly important metric, as long as they don't lose money. After all, banks can't share in the high profits of enterprises, and profits may not be able to form cash flow for repayment. ”

"There are two types of repayment sources that banks are most concerned about: direct repayment sources and guaranteed repayment sources."

When Xu Xing heard this, there was a look of appreciation in his eyes, it seemed that the president of this division had done his homework before coming, and he couldn't help but have more appreciation for this young president.

Success will always favor those who work hard.

"For small businesses, banks are usually focused on their collateral and liquidity, while for large enterprises, they are focused on the stability of their business prospects and their market position."

"Banks often weigh their own benefits, costs and risks, if the loan can be lent or not, but at this time, if the enterprise can help the bank get some deposits, after weighing, the bank is willing to lend."

After Si Tianmu finished speaking, he looked at Xu Xing: "Did you say that what I said was right?" ”