Lin Mingzhen was dumbfounded, seeing him like this, Hu Jianqiang felt that his waist was stiff and straightened all of a sudden.

used to feel that he was inferior, but now, Lin Mingzhen, who was originally high, was surprised, how could Hu Jianqiang not feel proud and proud.

"Xiao Chen, do you have equity certificates and equity agreements?" Lin Mingzhen asked impatiently.

"Of course there is, but I don't bring it now, if your bank is willing to take out a loan, then we will definitely show it and follow the procedure. ”

"If that's the case, then tomorrow I will definitely report to our governor and try to disburse this loan to you as soon as possible. But...... Because of the large amount of funds, I don't dare to pack tickets, I can only say that I will do my best. Lin Mingzhen was still very confident and proactive, but after a "but", he became pessimistic and negative.

"No problem, this matter is originally business. If you don't approve it because of the risks or other factors, that's fine, and we can understand that. There are now five or six commercial banks in Liangcheng, and I think it is unlikely that all the presidents have the same idea. Take 10,000 steps back, even if they all have the same idea, and even say that equity can't be used as collateral, then we can still go to Pengcheng or even Hong Kong to take a loan, and the financial market is much more open and mature than ours. Hu Mingchen calmly retreated and led in.

Lin Mingzhen mentioned that the amount was large, and he didn't dare to pack the ticket and try his best, how could Hu Mingchen fully believe him.

Lin Mingzhen made such a fool of himself, just to reap his personal benefits. The meaning is: I helped you get such a large loan, doesn't it mean to me?

There are some rebates in the loan, which is basically an unspoken rule on the surface, the last time Hu Mingchen borrowed 300,000 yuan, isn't it the same, and the interest is still deducted first.

In the past, when Lin Mingzhen said such things, others should be sensible and have to express their attitudes.

But Hu Mingchen didn't, he still didn't understand, or he just thought that Lin Mingzhen was saying something sincere. In short, Hu Mingchen will take out a loan, and how much interest should be given can be given according to the loan contract. But the kickbacks to private individuals, Hu Mingchen no longer intends to continue.

It is precisely because of the people's encouragement and acquiescence to this unhealthy trend that these people will become more and more unscrupulous, and the unspoken rules have been made into explicit rules.

Hu Mingchen's cart and horse cannon is so simple, you can borrow if you like, it doesn't matter if you don't lend, we don't ask you. If you don't lend, let's find someone else, this place doesn't lend, let's change places. In a word, don't think about anything else.

Hu Mingchen didn't mind inviting Lin Mingzhen to eat and drink, even if it was to give some gifts during the New Year, he didn't object, but if he wanted to send money in person, Hu Mingchen wouldn't do it.

Hu Mingchen pretended to be stupid, and Lin Mingzhen couldn't do anything, he couldn't openly and honestly take the initiative to ask for as many kickbacks.

And Hu Mingchen's posture of not advancing oil and salt did make Lin Mingzhen not act rashly. Unless he really doesn't want such a customer, he can't go too far.

In the past, Lin Mingzhen set the rules for loans, but now, Hu Mingchen wants to break this rule, and Lin Mingzhen is really a little uncomfortable.

"That's not necessary, with such a little money, you don't have to go so far, and it's not that you can't get out of the billions. Tomorrow I will definitely talk to our president, our president is not the kind of person who has no knowledge, and I believe that the possibility of success is quite high. Although Lin Mingzhen still didn't say anything to death, his meaning and tone were much better.

For the first time, Hu Mingchen didn't have much hope, it was impossible for them to talk to Lin Mingzhen once and finalize the matter, and he couldn't do it.

Things have come to this extent, and the two sides have talked a few more words, and they ended today's meeting.

Just now I said that Hu Mingchen drove Lin Mingzhen back, and when he walked out of the Xinhua Hotel, the two sides had a tacit understanding and no one mentioned it. Lin Mingzhen took a taxi back by himself, but Hu Mingchen and Hu Jianqiang sent him to the side of the road, and when he got in the car and left, the two turned around and went to drive.

"Xiao Chen, why did you change the loan so much temporarily?" Hu Jianqiang took out the key and opened the car door and asked Hu Mingchen.

"It's not temporary, that's what I thought about this afternoon, but I didn't have time to tell you. Hu Mingchen opened the door and sat in the co-pilot, pulled the seat belt and fastened it, "I think 10 million is still too little, anyway, it's all a loan, simply don't take out a loan, and if you want a loan, you can borrow a little more at once, so as not to get into a tight situation." ”

"But so much money will be spent in hand, and the money will be spent with interest. ”

"Third uncle, look at what you said, can the money still be given away for nothing, of course it has to be repaid......" Hu Jianqiang hung up a reverse gear, and was about to speak, Hu Mingchen hurriedly continued, relieving his worries, "I know what you're worried about, are you worried that the funds will be gone by then, and you won't be able to pay it then, right?"

"yes, of course I'm worried. It's easy to spend money, but it's hard to pay it back, even if you make an investment, but when the time comes, is it easy to draw out such a large amount of money? What's more, it's good to make a profit, but it's a loss?" Hu Jianqiang flicked the steering wheel, kicked the accelerator down, and the pickup truck drove out of the parking lot of the Xinhua Hotel.

"Third uncle, investment, there is no doubt that there is a risk. However, we are now short of funds, how can we expand our scale without funds? You can rest assured, there is no problem in repaying the loan. I'm going to say that we will mortgage 15 percent of the equity, but not all of it, and we'll use another 10 percent of the loan to pay it back. "Hu Mingchen's old god is here, and Hu Mingchen doesn't care about Hu Jianqiang's worries at all.

Besides, Hu Mingchen said so, in fact, he didn't think about using the other 10% to take out a loan, and Hu Mingchen already had a case in mind about repayment, but he didn't tell Hu Jianqiang clearly.

The next day, Lin Mingzhen went to work very early, and after going to the office for a turn, he went to the president's office on the top floor of the unit.

Last night, Lin Mingzhen told Hu Mingchen that he was going to Panyun County today to verify and assess a loan, and he would not change his plan. Anyway, it's not a particularly urgent matter, so if you go a day earlier and a day later, it doesn't have much impact. As long as you give a call to the unit over there, it's completely OK.

Maybe Lin Mingzhen came too early, and the president didn't come. In order not to attract the attention of others, Lin Mingzhen did not stand at the door of the president's office and wait, but went to the toilet, smoked a cigarette, and then returned.

After returning home last night, Lin Mingzhen sat alone in the study for a long time, and he was thinking about how to talk to the president today, strive to negotiate this deal, and strive to catch this customer.

If what Hu Mingchen said is true, then his family is undoubtedly the richest man in Liangcheng now, and it will be beneficial and harmless to catch such a customer, whether it is for their bank or for him Lin Mingzhen personally.

When Lin Mingzhen came back, he happened to meet President Min Xing, who was wearing a gray skirt, who came to work.

Lin Mingzhen: The president of their bank is a woman, named Min Wen, 444 years old, graduated from the Provincial College of Economics and Trade.

Don't look at him is a woman, not very old, but his practical work experience is a lot, she worked in the grassroots savings bank for three years, and went to the head office for two years, after going to Langzhou, has been working in the south of the town, and also went to the coastal city for a year of exchange, not long after returning from the coast, he was promoted to Liangcheng as the president.

Min Wen has not been in Liangcheng for a long time, she came in the first half of last year, and she has only been working for more than half a year now.

For more than half a year, what Min Cohen has actually been doing is wiping her ass and cleaning up the aftermath. When she arrived in Liangcheng, she found that it was difficult to work here, although the balance of deposits and loans increased year by year, but the bad debts also soared. On the contrary, profits have been declining for several consecutive years.

This is still a bank that cannot go bankrupt, if it were a normal company, they would have gone bankrupt two years ago.

To put it mildly, what they eat every year now is the money saved by the people. The profits that are actually made through loans are very small.

Everyone says that the bank has money, but now Coco Min feels that although she has billions of funds, she is also quite poor.

Coco Min opened the door of the office and saw Lin Mingzhen coming to her, and Coco Min beckoned him into the office.

"Director Lin, aren't you going down to Panyun County today? Find me so early, what's the matter?" Min Wen put down the briefcase, and was just about to pick up the cup to catch the water, Lin Ming's eyes were quick and he took the first step.

Min Cohen also did it behind the desk, and Lin Mingzhen asked him to pick up the water if he wanted it.

Min Coin said that he really didn't look down on the people in the bank's credit department, these people sat in a good position, ate and drank spicy food, but did not create real benefits for the unit. is Lin Mingzhen, who doesn't have much status with Min Wen.

What Min Cohen has been thinking about during this time is how to operate on the credit department, otherwise there would be no gossip that the director will be transferred.

The reason why she hasn't started yet, and she hasn't moved, is that she hasn't found a replacement candidate who he thinks is up to the task. Once she finds someone, she puts it into practice.

Banks are different from the government, and the power of the top leader is very large, and the same is true in the employment of personnel. Don't look at Min Wen as a woman, if she can send him to sit in this position, she is not an idle person.

Some people think that women are weak, but in fact, in terms of management, many women are better than men. The reason why they make people feel indecisive is not that they can't make up their minds, but that they like to plan and act later, and they are more cautious and cautious.

Coco Min is an ambitious person, she is not very old, and there is still a lot of room for advancement. When he arrived in Liangcheng, Min Cohen hoped to make some drastic achievements, so as to live up to the importance of the leadership.