Chapter 470 Loans
Li Siwen drank all the liquor in the cup, and his tone couldn't help but be a little cold: "Brother Dai, you know the situation of Xinpu Electric very well, the total assets are only 20 million, and it also includes some old and obsolete equipment. As for the debt ratio, it is already as high as 15 percent, and when I got it in my hands, I not only spent 1 million, but also took on 30 million debts, and directly lost more than 10 million. ”
Dai Quande smiled embarrassedly, he did think so, but he couldn't say that, so he could only smile and say: "Mr. Li, where is this, you are saving not only Xinpu, but also us, the creditors, how can you be regarded as the wronged leader?" I thank you that it's too late. ”
"Do you know how to thank me? Only give me a loan of five million is your attitude of gratitude? Li Siwen asked.
"This ...... I'm doing the same thing! Dai Quande pretended to be difficult: "Otherwise, add another 5 million, and count the total arrears of 25 million, which is the maximum authority I can use." ”
Li Siwen took a bite of food, stared at Dai Quande and said, "Brother Dai, if you buy Xinpu, I will directly lose tens of millions, but do you know why I did this?" ”
"Why?" Dai Quande has actually been wondering, and he doesn't understand what Li Siwen likes about Xinpu.
"Don't you understand this? Of course, it is for the sake of Xu Vice City's face. Li Siwen said seriously.
"I understand, of course I understand, this time thanks to the help of Xu Vice City, otherwise I really don't know how to explain to the above." Dai Quande said with a smile.
"Since Brother Dai understands the truth of this, why do you still embarrass my brother? I gave Xu Vice Market face and took over the mess of Xinpu, but you repeatedly squeezed my loan amount, where did you put Xu Vice City's face? ”
Li Siwen is very knowledgeable in these two sentences, first attributed it to Xu Gaoming, so that the other party's heart was satisfied, and then used Xu Gaoming's power to put pressure on Dai Quande.
Even if Xu Gaoming found out about Li Siwen's intentions at this moment, he didn't have any displeasure, and even smiled: "President Dai, it's not easy for Mr. Li, taking over this mess is good for both of us, if you go bankrupt and liquidate, it may not be possible for you, the president, to sit still or not, right?" After all, you approved the loan from Xinpu.
So I think you really should make concessions and stipulate that people are dead and people are alive, and you should give me face. ”
Hearing Xu Gaoming say this, Dai Quande dared to continue to play tricks, and hurriedly said: "How dare I not give Xu Vice City's face." ”
After he finished speaking, he looked at Li Siwen again and said, "Mr. Li, you say, how much do you want to borrow?" ”
"At least thirty-five million." Li Siwen is also unambiguous.
"Thirty-five million?" Dai Quande pondered for a few seconds: "That is to say, if you count the old accounts, I will lend you another 20 million, and I can fight for it." ”
"Brother Dai, I mean, don't count the old accounts, and lend me another 35 million."
"What?" Dai Quande was taken aback, twisted his eyebrows and said: "Brother, the account of 50 million outside here is more than 2.5 times that of Xinpu Electric, which is ...... If you really want to lend you money, you can't check me above. ”
"Brother Dai, isn't it a matter of your words whether you can lend money?" Li Siwen smiled slightly: "Besides, I have so many industries in Qilu Province, are you still afraid that I won't be able to escape?" ”
Dai Quande was very embarrassed, according to the bank's regulations, the maximum loan amount is about 70% of the collateral, Li Siwen's excess loan, but he has to take a certain risk, and if he pays it back, everyone is happy, and if he can't pay it back, everyone will die.
"Mr. Li, can I ask a question?" Dai Quande said after careful consideration.
"But it doesn't hurt to say it." Li Siwen said.
"Xinpu Electric Appliances mainly produces and processes color TVs, but in recent years, it has been hit by Hitachi, Panasonic and other brands, and has been in a loss stage, I would like to know, how do you turn losses into profits after acquiring Xinpu Electric?"
"Brother Dai, this is my business, as long as you lend money, I will definitely let Xinpu Electric live." Li Siwen said categorically.
"It's not a question of whether you live or not, it's a question of repaying the loan later." Dai Quande hesitated for a few seconds and added: "I can lend, but I also need to make a few requirements." ”
"You say." Li Siwen said.
"The loan date is one year, the account is 50 million, next year if Xinpu Electric is in good condition, there is no strike to collect debts, etc., I will renew the loan for you, but if there are some problems that damage the reputation, I can only take other ways to collect debts.
Also, I need you to mortgage the stationery factory, office building, villa, and car to our bank. ”
"Brother Dai is really good at calculating!" Li Siwen smiled, raised his glass and said, "Then it's decided, but I need Brother Dai to put down the loan first, and then I can settle the accounts and pay the balance of other auction items, so the mortgage is okay, but I have to sign the agreement later." ”
Dai Quande frowned when he heard this: "I kind of understand, you won five auction items today, but in the end you asked our bank to pay?" And you're a white wolf with empty gloves? ”
"Brother Dai, this is just a means of working capital, and it doesn't have to be so ugly to say. Besides, there are many vice cities here, what are you worried about? ”
After Li Siwen finished speaking, he pursed his lips and smiled.
Dai Quande was a little helpless, so he could only sigh and say: "Okay, even if I plant it in your hands today, I will release the money to you as soon as possible." ”
After Dai Quande finished speaking, he said a few more polite words, and then left the box with a stiff face.
At this time, Xu Gaoming stared at Li Siwen and said, "You kid is too ruthless, right?" I wanted to help you coordinate the loan, but I didn't let you borrow so much! ”
"Vice Xu, it's all the bank's money, it's understandable to take more, and it's not that you don't pay it back." Li Siwen said and lowered his voice: "Don't worry, even if something really goes wrong, I won't pour dirty water on you." ”
"You still have a little conscience." Xu Gaoming took a deep breath: "I am also a guarantor in this matter, so you'd better not have any problems, otherwise Dai Quande will definitely find me." ”
"As long as Vice City Xu gives me the green light when I build the factory, there will be no problems."
"Don't worry, as long as I'm here, no one in the relevant departments will dare to embarrass you."
"Your words are enough."
Li Siwen showed a faint smile, in fact, he has money in his hand, even if he doesn't need the support of Journey to the West, the unified 30 million has already arrived.
But for him, if he wants to go down in a city like Pengcheng, tens of millions are far from enough. Besides, it is not a bad thing to be able to tie up Pengcheng Bank and Xu Gaoming, just like Xu Gaoming just promised, at least the relevant departments will have a green light all the way, which is the key to doing business in other places.
While thinking about it, there was a sudden knock on the door outside, and I saw Xu Gaoming's secretary walk in, and said a little anxiously: "Vice City, a group of reporters suddenly came outside." ”
"Journalists?" Xu Gaoming rubbed his temples: "How could the reporter find here?" ”