"Hehe, Director Lin said a joke, so much money, how can we talk about making money in Shanghai, compared to those big enterprises, we are far behind. Hu Jianqiang said modestly.

"It's not simple, we don't know about those central enterprises, but as far as we are in Langzhou, there are not many companies that can earn hundreds of millions of dollars a year, especially private companies. ”

"I've made some money, but it's ...... That money has also been turned into investments. No, I invite Director Lin to come out today, just hoping to get your help. After Hu Jianqiang got a hint from Hu Mingchen's eyes, he didn't dwell on those things that made money or not, and began to lead the topic to the goal.

"Help, Mr. Hu, I'm only in charge of loans, but you...... I just said that your company doesn't need a loan, so I don't understand how I can help. ”

"Director Lin, that's right, because investment has taken up a lot of our funds, which makes our current capital turnover a little difficult. We don't owe you 110 million to the bank, and it's about to expire, so we want to communicate and discuss with you to see if we can make an extension for us. Hu Mingchen took over the conversation and got straight to the point.

"Extension? do you mean...... Can't repay that loan on time?" Lin Mingzhen leaned back in his chair and looked at Hu Jianqiang and Hu Mingchen.

"Director Lin, it's not that we don't have money, it's not that we can't afford to pay back the money, we just don't want to affect the investment progress in order to repay the money, of course, if your bank doesn't agree, then we will also find a way to pay back the money." Hu Mingchen was neither humble nor arrogant.

Although Hu Mingchen hoped that the bank could give them an extension, Hu Mingchen would not ask Lin Mingzhen for this. Lin Mingzhen's status and identity are not enough to make Hu Mingchen bow his head, not to mention, Hu Mingchen is not a person who bows his head casually.

"Xiaohu, you misunderstood what I meant, I don't think like that, really, I'm just a little surprised, 100 million principal and 10 million interest, Xingsheng Company can definitely take it." Lin Mingzhen hurriedly explained.

"That's right, you can get it. We hope that our company can have long-term and in-depth cooperation with your bank. Hu Mingchen nodded.

For banks, it is also very necessary to cooperate with large enterprises, which are high-quality customers, and almost every bank is grabbing them. Banks do not rely on thousands of retail investors to make profits, but on corporations. Businesses are not only about loans, but also about the fees they incur and the services related to their employees.

For example, if all the following enterprises of Xingsheng Company pay their salaries with cards, and these cards are all from Lin Mingzhen's bank, then these employees will naturally become bank customers by the way.

For a company like Xingsheng, the annual large amount of capital in and out is very large, and those fees are a big source of profit in addition to loans.

At present, although Xingsheng Company asked Lin Mingzhen for a loan, Xingsheng Company's account bank was not them, and the main capital transactions did not pass through Lin Mingzhen's bank.

If they can win the extension this time, then Hu Mingchen will not mind changing the opening bank, so that Xingsheng Company will truly become a big customer of Lin Mingzhen's bank.

"If we can have a long-term and in-depth cooperation, of course it is a good thing. As for the loan extension you mentioned, I don't think there is any problem, if it is extended for half a year, I can basically guarantee it, and if it is one year, I believe that President Min will not have much of a problem. It's just that as you just said, the interest has to follow. Lin Mingzhen immediately gave a positive response.

Hearing that Lin Mingzhen promised that he could make the decision on the extension within half a year, Hu Mingchen and Hu Jianqiang were relieved. In the following time, the relationship between each other felt a little closer.

Two days after meeting Lin Mingzhen, he called and said that he had reported the loan extension to President Min Wen, who agreed to extend the loan of Xingsheng Company for one year.

With Min Cohen's support and guarantee, Hu Mingchen and Hu Jianqiang can finally rest assured that after a year, no matter from which direction, it should not be a problem to withdraw more than 100 million.

In order to express his gratitude to Min Wen, Hu Jianqiang also went to thank her and went through the extension procedures by the way.

Hu Mingchen was originally going to follow, but he was busy with the final exam, so he didn't go, anyway, the issue of principle has been negotiated, and it doesn't matter if Hu Mingchen goes or not.

During the summer vacation, Hu Mingchen basically lived in the south of the town, and the land in the Guanyin Mountain area has always been a piece of Hu Mingchen's heart disease without treatment.

For this matter, Luo Haocai was also unhappy, of course he didn't blame Hu Mingchen completely, after all, Hu Mingchen's location was not wrong, all of them were essence plots, and the fault was that the Zhennan City Government came out with a moth, and the very domineering policy made people resentful.

Now it is the business of the brick factory that has been acquired is surprising, every day all kinds of brick trucks are endless, and the newly manufactured bricks are directly loaded and pulled away without the need to be stacked.

In order to meet the needs of the market as much as possible, Wang Deke has repeatedly suggested that the company increase investment and expand production capacity, and even he hopes to be able to purchase two sets of advanced production lines, which can increase the production capacity by 20 times, but the new brick-making production line will no longer use clay as raw materials, but become cement and sand, and its investment is not small.

"Mr. Hu, if we adopt new production equipment, the annual production capacity can be expanded to 600 million bricks. If it was before, then so many bricks could not be digested at all, but now, the Guanyin Mountain area will be greatly developed, in the next three to five years, the Guanyin Mountain area will be full of construction sites, said that the amount of bricks needed, is unpredictable, as long as you are willing to invest money, I believe that you can completely return to the cost in one year. In order to persuade Hu Mingchen and Hu Jianqiang, Wang Deke drove his pickup truck to the branch office in the city.

"Director Wang, can you return to your capital in a year? Can you earn 20 or 30 million yuan a year by selling bricks?" asked Hu Jianqiang.

And Hu Mingchen sat next to him and didn't speak.

"Of course, we can basically guarantee that we can earn four cents a brick, and 600 million bricks that year is a profit of 24 million, and this account is very clear. Wang Deke nodded abruptly and said with great certainty.

"Can 600 million bricks be consumed? In Zhennan, we are not the only brick factory. ”

"Yes, we are not the only brick factory in Zhennan, but we are the only one who is located in the Guanyin Mountain area and is suitable for expanding production capacity. We are a legal brick factory that was approved and established before the planning of the Guanyin Mountain area, and we are the closest to the customer. Whether it is a developer, a contractor or someone who occupies the supply of raw materials on the construction site, I believe that the first choice will be our brick factory, unless we can't supply it, they will choose someone else. The purchase and installation of two sets of equipment can be done in one and a half months, and as for the workshop, the construction of the steel structure is also very fast. Every day, I look at those people who come to our factory to buy bricks, but we can't supply them, and I feel very anxious. Wang Deke described with emotion.

To tell the truth, Wang Deke's lobbying persuaded Hu Mingchen to a certain extent, but Hu Mingchen has not increased investment, because he feels that this brick factory will be sold sooner or later, and there is no need to throw money into it.

On the other hand, the two sets of production lines that Wang Deke asked for would require more than 20 million yuan, and so far, even if the brick factory's business is good, the company can't come up with so much cash.

"Director Wang, the key is that the company can't take out so much money now, more than 20 million, which is not a small amount. Hu Jianqiang looked at Hu Mingchen and said.

"Mr. Hu, that ...... Then we can go one step ahead, or even ...... I can also collect some deposits from buyers in advance, and those who pay the money to book will give priority to ensuring the supply in the future, and as for the upstream side, we can still press part of the funds. In this way, the company only needs to come up with three or four million to run. Wang Deke seems to have done his homework and thought of solutions to all the difficulties he may encounter.

"Can you really collect the deposit from the tourist merchant first? three or four million is enough?" Hu Mingchen's eyes lit up, and he stared at Wang Deke and asked.

"Of course you can, in fact, it's not that I take the initiative to receive, it's they who take the initiative to give, in order to be able to get the bricks in advance, many people are willing to do this, and no less than four or five groups of people have taken the initiative to mention it to me. Otherwise, I wouldn't be in a hurry to ask the company to expand its production capacity. The cost is higher, but it's faster than firing, and I'm not thinking about it personally, I'm really thinking about the company. Wang Deke said bitterly.

As the original owner of this brick factory, Wang Deke hopes that the brick factory can prosper and prosper regardless of whether the money earned belongs to him or not.

And once the brick factory expands, it will inevitably need to increase the number of workers, so that Wang Deke can solve the employment problem for those men in the same village, killing two birds with one stone.

"Okay, if you are really sure that three or four million can expand a production line, we support you, we can give the brick factory four million funds, and then you can do it immediately. Hu Mingchen groaned and said firmly.

"Mr. Hu, is the site of the second production line leveled out in one piece?" asked Wang Deke unwillingly.

"Yes, when the company's funds are turned over, the second production line can also be launched. Of course, the original red brick firing cannot be stopped, and the fire continues to be at full power, and as much as it can be produced. Hu Mingchen agreed.

"Okay, then I'll contact the upstream manufacturer to deliver the goods as soon as I go back, Mr. Hu, I guarantee that the money we invested in will be recovered soon." Wang Deke was very happy to get the answer, and stood up all of a sudden, and said with great interest.

"Third uncle, let Huang Min prepare four million for Director Wang. Hu Mingchen commanded.