Afternoon.

It was a bit overcast.

At the gate of the Agricultural Bank, Ji Sheng saw the old Qi that Liu Zhi said.

This man is in his forties, fat like Maitreya Buddha, and he always has a smile on his face, as if he is very kind.

But Ji Sheng's first reaction was that smiling is not a good thing.

"This is what Xiaoyanagi said about Boss Ji, right?" Lao Qi asked.

Liu Zhi hurriedly said: "Yes, he is my boss." ”

Lao Qi smiled and stretched out his hand, "Boss Ji, hello."

Ji Sheng stretched out his hand and shook it with him, "Mr. Qi, hello, I have you for this time." ”

"It's okay, everyone is in business, I'll definitely help if there's something." Lao Qi behaved very righteously, whether it was the same as what he was on the outside, only he knew, "Then let's go in, Manager Zhu is already waiting." ”

"Okay."

Ji Sheng took Liu Zhi and Ji Aiguo to follow behind Lao Qi.

Lao Qi explained as he walked inside, "Look at my eyes later, don't talk nonsense, otherwise it will be difficult to get a loan." ”

"Got it." Ji Sheng said.

When I came inside, I was welcomed into the reception room by the bank staff.

After sitting for a while, a middle-aged man in his forties wearing glasses and a neat suit came in, and as soon as he came in, he smiled and said, "I'm sorry, I'm a little busy today, so I've kept you waiting for a long time." ”

As soon as Lao Qi saw him come in, he hurriedly gave Ji Sheng and the others a look, and then the first one stood up, bowed with a stammering smile and groveled: "Manager Zhu, I have a child who wants to take out a loan, and I trouble you this time." ”

Manager Zhu shook hands with Lao Qi, and Ji Aiguo and Liu Zhi also stood up restrainedly.

But Ji Sheng didn't move, just sat like that.

Lao Qi frowned, and said in his heart, what's the matter with you kid, I don't want to get a loan with this attitude?

"Which of you wants a loan? How much do you want to borrow? What is the nature of the loan? Manager Zhu didn't mind anything because of Ji Sheng's rude behavior, and asked directly.

Ji Sheng pretended to be as if he had just found Manager Zhu walking in, sat there and stretched out his hand and said, "Hello Manager Zhu, my name is Ji Sheng, and I want to take out a loan from your bank." ”

Lao Qi saw that he was still rude, and his eyebrows were almost squeezed together.

Manager Zhu had a good temper, and while he sat down, he stretched out his hand and shook Ji Sheng, "What kind of loan does Mr. Ji want to borrow?" ”

After Liu Zhi, Lao Qi and Ji Aiguo saw Manager Zhu sit down, the three of them dared to sit down as well.

"Oh, I want to apply for a business loan." Ji Sheng said in a surprising voice: "It's best to borrow 10 million." ”

Burst!

Lao Qi, who had just drunk the water, sprayed.

Ji Aiguo and Liu Zhi were also frightened, and said don't scare away Manager Zhu, 10 million, what kind of concept is this?

Manager Zhu didn't expect Ji Sheng to be so bold, even if he was rude, he asked for a commercial loan of 10 million when he opened his mouth, and he was almost laughed at, but out of professionalism, he still said officially: "Since it is a commercial loan, then Mr. Ji must have his own company, right?" ”

"Yes." Ji Sheng seemed to be very dragged, took out the company's qualification and other certificates from his briefcase, handed them over, and said: "Our Huanyu Trade is based in Xiangjiang and is engaged in the trade of imported household appliances. ”

As soon as the words fell, Manager Zhu stood up suddenly, and then the mood that was still a little dissatisfied was swept away, revealing a smile that was even more stammering than Lao Qi's stammering with him, "Ouch, I didn't expect Mr. Ji to be the boss of a Hong Kong-funded enterprise, disrespectful and disrespectful." ”

Lao Qi, Ji Aiguo and Liu Zhi were all stupid, they didn't expect Ji Sheng to just say such a sentence, and Manager Zhu became so polite.

Ji Sheng still smiled and nodded, well, he deliberately showed this picture.

In the current era, the domestic environment is not the same as that of modern society, and foreign-funded enterprises and Hong Kong-funded enterprises are sought by local governments to invest.

This is not a joke.

In order to seek foreign enterprises to invest in various preferential conditions, not to mention, even the top leaders of many cities will personally go into battle, Ji Sheng once saw a news, there is a city No. 2, and even in order to win foreign investment, he drank ten glasses of liquor and a glass of 500,000 yuan investment, and the big man in that city even drank into the hospital.

One can imagine how rampant foreign-funded enterprises were in the eighties and nineties.

Ji Sheng's current identity is the boss of a Hong Kong-funded enterprise, and if he behaves like Lao Qi, he will definitely be suspected by the bank of his authenticity, so he deliberately looks very stubborn.

"Well, Manager Zhu, you can take a look at my company's qualification certificate to determine whether my company is really a Hong Kong-funded enterprise, and then we will talk about it in detail." Ji Sheng stretched out his hand and said.

Manager Zhu hurriedly looked at the copy of the business license, the company and other relevant supporting documents, and determined that Ji Sheng's Huanyu Trading was indeed a Hong Kong-funded enterprise, and now the smile on his face became even bigger, "There is no problem, Mr. Ji, let's talk about loans." ”

Lao Qi was stunned, he had such a good relationship with Manager Zhu, and he usually gave a lot of things during the New Year's holidays, but even so, sometimes when he wanted to use money to take out a loan, Manager Zhu was a little ignorant of it, but Ji Sheng just showed him a company certificate, and Manager Zhu showed that he was willing to take out a loan?

Liu Zhi was also stunned, a little unable to believe that it was so easy to take out a loan.

Gu Xuan

"Okay." Ji Sheng's words are still very simple.

"That's right, don't blame me for being presumptuous." Manager Zhu smiled and said, "Let me ask first, what is your company used to apply for a commercial loan?" ”

Ji Sheng didn't answer immediately, and took out two copies of his contracts with Hualian Commercial Building and Panasonic from his briefcase, as well as some order contracts, as well as the transfer certificate of Changchuan Machinery Factory, etc., "Recently, the investment is a bit large, I am a little short of money, and I want to borrow some money from your bank for turnover, one department is used to purchase goods from Panasonic, and the other part is to invest in real estate and transform the Changchuan Machinery Factory I just bought into a residential building." ”

Manager Zhu saw the copy of the Panasonic dealer contract for the first time, and said with a sigh: "Your company is still a giant dealer of household appliances like Panasonic?" ”

Ji Sheng smiled and nodded.

Lao Qi also looked at Ji Sheng in a daze, obviously he didn't expect his business to be so big, he heard Brother Liu say that Ji Sheng was a wholesaler of household appliances, and he thought that Ji Sheng was a dealer or two.

"How many orders has your company received to ...... loan" Manager Zhu asked while seeing the contract with Hualian Commercial Building, he was surprised and lost his voice: "800,000 contract payments per month?" ”

Ji Sheng put the remaining order contracts and some small shops have no contracts, but the order list that has been counted over, "Not only 800,000, in fact, the order amount this month alone is as high as 1.9 million, and I want to change Changchuan Machinery Factory from industrial land to residential land, and then invest in real estate, the money on hand is really not enough, otherwise how can I borrow from your bank." ”

"1.9 million orders a month?" Manager Zhu was even more surprised.

Lao Qi also took a breath on the side, but he didn't expect Ji Sheng to be so good.

Liu Zhi and Ji Aiguo looked a little confused, and they didn't understand why Ji Sheng did this, could they get a loan in this way?

"So I want to borrow 10 million from your bank, Manager Zhu, you can see if it's okay." Ji Sheng asked.

A loan of 10 million is a big achievement.

Ji Sheng is also a Hong Kong-funded enterprise.

Manager Zhu wanted to lend him a loan, but he still said: "It is not difficult to borrow 10 million with your company's qualifications, but you also know that the loan needs something to be mortgaged, what are you going to take as collateral?" ”

Ji Sheng said: "Changchuan Machinery Factory." ”

Manager Zhu asked: "Then have you obtained the construction permit, the construction permit and the export housing permit?" If you have these procedures, let alone 10 million, our bank can lend you 100 million. ”

Ji Sheng smiled dumbly and said, "If I want to obtain those procedures, will I only borrow 10 million from you?" Let me tell you this, I borrowed 10 million yuan, except for part of the purchase, and the vast majority of the remaining money is just to get these documents down, and then start construction. ”

"But you don't have those documents, I can't apply for real estate development enterprise working capital loans and land development loans for you." Manager Zhu said helplessly.

Ji Sheng blinked and said, "So I applied for a commercial loan." ”

Manager Zhu was puzzled: "But this ...... It's not up to the program. ”

Ji Sheng didn't look like asking for a loan at all, he behaved like asking for money, "Then I don't care, I believe you have a way to do it, if you can't do it, it's a big deal I'll go to other banks for loans, I believe that some banks are willing to help me solve these problems." ”

"It's really difficult to mortgage only Changchuan Machinery Factory." Manager Zhu still didn't let go, but he immediately showed the fox's tail, "Unless you can mortgage the dealer contract with Panasonic together with the machinery factory, so that I can operate." ”

There is no way to mortgage the distribution contract alone, which Ji Sheng knows in his heart, but if he provides a third party with valuable real estate to rely on, he can mortgage it together, that is to say, use his dealer contract to increase the value of the real estate.

Manager Zhu was afraid that Ji Sheng would not agree, so he hurriedly added, "It won't affect your business, otherwise it will be difficult to operate." ”

"Okay." Ji Sheng agreed.

Manager Zhu's eyes were fiery and said: "Okay, I'll go with the president and them to apply, if they think it's okay, the 10 million commercial loan you asked for should be successful, please wait a while." ”

Ji Sheng stretched out his hand and said, "Please." ”

Manager Zhu turned around and went out.

Liu Zhi was stunned and said, "Boss, the bank agreed so easily?" ”

Ji Aiguo also felt incredible, "Let's show them a few contracts and company qualifications?" ”

Even Lao Qi, an outsider, was stunned at the moment.

"Or else?" Ji Sheng said.

This kind of thing seems incredible to Liu Zhiji, Aiguo and others, and even if Ji Sheng says it to people in modern society, few people in modern society will believe it.

But now the environment is different, Hong Kong capital and foreign capital are the object of investment in various places, and Ji Sheng is not without something mortgage, he has Changchuan Machinery Factory and distribution contracts, and shows sufficient repayment ability, after all, the amount of orders a month is 1.9 million, this is not the ability to repay what is?

Naturally, as long as the bank is not embarrassed, there will be no problem.

So will the bank embarrass him?

Obviously, no, first, his company is a Hong Kong-funded enterprise, and second, he has sufficient repayment ability, isn't the bank lending to the enterprise just to make money?

A company that has the ability to repay the money, why doesn't the bank borrow money?

Of course, if it is a simple private enterprise, even if it shows so many things, it is very likely that it will not be able to borrow so much money in the end.

Sure enough, just as Ji Sheng was thinking about things, the door of the reception room was pushed open from the outside, and I saw Manager Zhu accompany a short man in his fifties to come in.

As soon as the short man came in, he stretched out his hand to Ji Sheng with a smile on his face and said, "Mr. Ji, welcome, welcome to cooperate with you." ”