[Customer name: Longteng Technology Co., Ltd.]

Legal representative: Kang Chi,

Application Amount: 200,000,

Purpose of loan: construction of Daqin optical production line,

Loan term: 6 months,

……】

Zheng Zhinan looked at the loan application form in his hand, then looked up at Kang Chi opposite, and asked with a smile: "Mr. Kang, may I ask what this Daqin Optics of your company produces?" ”

"Build a lens."

"Cameras?"

"yes, it's the kind of lens that comes on the camera."

“……”

Seeing the embarrassed expression of the bank manager, Kang Chi hurriedly added: "In fact, it is not only about making lenses, but also about cameras and the like in the future." ”

“！？？”

Zheng Zhinan was even more confused.

After a while, a professional smirk resurfaced on his face: "Understood, please wait a while, Mr. Kang, I'll help you apply to the leader now." ”

"Okay, I'm sorry for you."

Kangchi nodded, and then swiped his phone a little boredly.

"Mr. Kang has been waiting for a long time!"

After about two minutes, Zheng Zhinan returned.

In fact, he just went to the toilet, and he had already labeled Kangchi as a loan fraud, and the so-called leader was just perfunctory.

"I'm sorry, our leaders think that investment in the field of lens and camera manufacturing is too risky, and you are a new company that was established just two days ago, and without any collateral, according to the regulations of our bank......"

"Can't get a loan?" Kangchi interrupted Zheng Zhinan's tirade.

"A loan is a loan," Zheng Zhinan smiled, "but you need to sign a personal guarantee, and the amount can only be given to 100,000." ”

Kangchi: "......"

Under normal circumstances, if a limited liability company goes bankrupt, as long as there is no illegal operation, the shareholders usually do not need to bear the company's debts.

However, if you sign a personal guarantee, it means that the individual is also liable for the company's debts.

So what's the difference between this special and personal loans!

What about encouraging enterprises to innovate in science and technology and supporting small and micro enterprises?

"100,000 is 100,000, how to write a guarantee?"

Kangchi can only settle for the next best.

Anyway, he has absolute confidence that he can earn this money back in a short time.

In fact, strictly speaking, a corporate loan is a corporate loan, which is the act of the bank deciding whether to lend based on the evaluation of the enterprise; If you feel that the prospect of this company is not good, and the risk is too high without asset support, then you will not lend.

And Zheng Zhinan's practice of guiding personal credit to be linked to corporate loans is a typical loan that can be released, the risk is resisted by you, and the interest is earned by me.

It's a winner-takes-all!

"Master Kong?"

Just as Kang Chi was copying the guarantee according to this template, a sweet voice suddenly came from behind him.

To be honest, it's okay to do maintenance and other things, but from time to time someone affectionately calls him: Master Kong.

Sounds awkward to be a thief.

Call Boss Kang, isn't Mr. Kang good?

Kang Chi turned his head to look at it with a dark face, and hesitated for a moment before he spoke: "Producer Zhang? ”

"What, don't you know?"

He was greeted by a girl dressed in professional attire, dignified and decently dressed, and her shoulder-length short hair made her temperament look particularly capable.

Beside her, there was also a bank manager, who looked like he had just helped Zhang Qing finish her business and send her out.

"Hmm......" Kangchi quickly searched his mind for information about the girl, and at the same time spoke, "I haven't seen you for so long, and you have become so beautiful?" I didn't recognize it for a while. ”

He didn't say this as a compliment, but as a heartfelt compliment.

This girl's name is Zhang Qing, don't look at her age, she is actually a well-known producer in Hengdian, and when they met two years ago, she was just an unknown small producer.

At that time, the funds she invested in the project were stretched, and in order to save money, she didn't even buy insurance for the equipment, but she was afraid of something, and a shooting accident occurred, which damaged three lenses and two cameras.

After the accident, Zhang Qing didn't dare to tell the lessor, but secretly found Kangchi.

She was afraid that the high compensation paid by the lessor would affect the already generous project budget and make it impossible to close the project.

Kangchi was fascinated by the double maintenance fee and Zhang Qing's beauty plan, and the two hit it off, embarrassed, and with Kangchi's superb maintenance technology, they hid the matter.

To be honest, it's a bit unkind......

However, Kangchi is very confident in his craft, even if he returns to the factory, he may not be able to repair it well.

So round up, the lessor might have to thank him for knowing it.

I don't know if it's because of Kang Chi's praise, or guessing that he was recalling the embarrassment of the past, Zhang Qing's face was slightly red, he looked at the bank manager beside him embarrassedly, and said to him: "Manager Liu, don't send me, you can just be busy with you." ”

"It's okay, since it's your friend who came over to do business, maybe I can help too." After Manager Liu finished speaking with a smile, he glanced at Zheng Zhinan at the counter.

Zheng Zhinan immediately understood, picked up the loan application form on the table and handed it to him.

"Longteng Technology Co., Ltd., loan 200,000 yuan for the construction of Daqin Optics' production line?"

Manager Liu quickly glanced at the application form.

"He said that he was ...... to make lenses and cameras," Zheng Zhinan immediately explained the situation in Manager Liu's ear in a low voice, "so I only gave him a quota of 100,000 yuan, and also asked him to sign a personal guarantee." ”

Manager Liu nodded and gave Zheng Zhinan a satisfied look, obviously affirming his approach.

Zhang Qing on the side keenly heard the word Daqin Optics, and couldn't help but look at Kang Chi with some surprise: "Daqin Optics? Daqin Optics, which has been very popular on the Internet recently, was it made by you? ”

"yes, even you know?"

"Well, I heard someone from the crew talk about it by chance, and I heard that your shots are all sold out?"

Kangchi shrugged: "Otherwise, why take out a loan to build a production line?" ”

"Ahem," Hearing the conversation between the two, Manager Liu felt that things might not be as simple as he imagined, so after coughing dryly, he said to Kang Chi, "Trouble Mr. Kang wait a minute." ”

After speaking, he walked into the door behind the counter with Zheng Zhinan.

As soon as he entered the inner room, Zheng Zhinan took out his mobile phone very sensibly and quickly looked up the information of Daqin Optics on the Internet.

The two of them quickly grasped the situation of Daqin Optics.

There is a certain amount of popularity on the Internet, and the product is very distinctive, and it is also a fact that it is sold out, and the sales volume so far is more than 700, with an estimated turnover of 60,000 and a profit of 20,000.

Although the data is not high, this store has only been open for less than a month, and the time when it really became popular is in the last week, so there should still be a lot of room for profit.

What's more valuable is that they seem to have mastered some core technologies for the production of lenses, but if they can go one step further, they may become a medium-sized technology company in Dongyang.

"Xiao Zheng, this matter is your negligence, you didn't check the customer's information, and you didn't report it to the leader, so you directly made a conclusion?"

Manager Liu's expression was serious, and he said earnestly,

"How many times have I emphasized before, we must serve with heart, even if the business cannot be done, we must not leave a bad impression on customers; This person, 30 years in Hedong and 30 years in Hexi, what if the family becomes prosperous in the future, but becomes a big customer of other banks? ”

Zheng Zhinan just lowered his head and muttered a sentence from time to time to show that he understood, but in his heart, there were 10,000 grass and mud horses passing by.

Just now, this guy was obviously very satisfied with the way he handled it!

After Manager Liu lectured a few words, Zheng Zhinan asked in a low voice, "Then what now?" ”

"It's very simple, if he wants 200,000, he will give him 200,000, or even 300,000 or 500,000, so that customers can fully feel our customer-oriented service attitude, but the personal guarantee should be written!"

Zheng Zhinan: "......%&%"