1986: Old Stories in Northeast China

"Brother Chen, I feel that although County Magistrate Gao had some upper hand yesterday, the actual situation is not very optimistic."

The next day, Zhou Fengxia said with a smile after running to two banks.

"This is all within my expectations." Chen Tiezhu said happily.

"The leaders of the financial department have all been replaced. It would be strange if they can cooperate well. Try your luck at ICBC again. It would be the best if it can be done, but it doesn't matter if it can't be done."

For his current situation, he is more or less mentally prepared.

They are all from the financial department. How long have they known each other?

As for your own matter, it is optional. Why should they do it for you?

They can find a lot of reasons not to talk to you about this matter.

It's not difficult at all. This is within the scope of normal work.

I also called in advance. After arriving at ICBC, I was directly led to the president's office.

"President Peng, did I disturb your work?" Chen Tiezhu asked with a smile after walking in.

President Peng is in his fifties and wears glasses. What caught Chen Tiezhu's attention was the sleeves on his arms.

"Comrade Chen Tiezhu, I heard you were coming to discuss business, and I was really thinking about you." President Peng stood up and asked Chen Tiezhu and the others to sit on the wooden chairs nearby.

"Although your company was established not long ago and has not achieved any results yet, the things you have to deal with next are really big."

"But I'm very curious about what you are doing here this time. Do you want to get a loan from us and invest in the transformation of these two companies?"

"Your words prove that my trip was not in vain." Chen Tiezhu nodded seriously.

"I have a complete transformation plan for these two enterprises. I have been waiting for a long time. If I want to transform these two enterprises, according to my preliminary statistics, I am afraid it will cost about 150,000 to 200,000 yuan."

"The improvement of equipment, breeding poultry and breeding livestock, plus a certain buffer period, all require financial support. I can't take over and still not pay the workers because they have no work to do."

"If so, people's hearts will be scattered. The popularity that has been gathered with great difficulty will also be dispersed, and it will be difficult to carry out subsequent work."

"I actually have some money in my hand, but our original agricultural production project of Jindoudou Company also needs to invest funds, so the gap is a bit big now."

"Then how can you convince me to issue you this large amount of loan?" President Peng asked.

Hearing him ask this, Chen Tiezhu's spirits were fuller, which meant there was hope.

"It's really hard to come up with a practical plan now," Chen Tiezhu said.

"However, the main bearer of this part of the debt will not be these two companies, but our Golden Bean Company. At present, our mushroom planting industry has officially started, and these two companies will also make acquisitions in the name of Golden Bean Company."

"And in the future, we can make it clear in the loan contract that this loan will be used for a specific purpose and will only be used for the reform of these two companies."

"If your bank can grant us this loan, the accounts of my three companies will be placed in your bank in the future. I won't say how big my company will be in the future, but the future capital throughput will not be small."

"And the next development plan of our Golden Bean Company is to do international trade. The initial idea is to use agricultural products to exchange fertilizers with our big brother."

"It would be best if I could participate, but it doesn't matter if I can't. Because the fields I want to cultivate are mainly cash crops, with a short growth cycle and high returns. " "Our business in the north is mainly based on spring planting and autumn harvest, while my business model will cover all seasons. Whether it is mushroom cultivation or greenhouse vegetable cultivation, we will promote it in an orderly manner. " "To be honest, if there had not been such a situation in the county, I would not have to think about loans at all. I would have developed my agricultural production steadily. " "But now it is not possible. The operation of the two companies has encountered difficulties. It seems that our county bank also has some loans in the machinery factory and the breeding farm, right?" "President Peng nodded, "There are some, especially the machinery factory. But what you said now still can't impress me, the risk is really too great. " "About 200,000 loans are invested in these two companies. If we cannot recover them smoothly in the future, it will be a heavy blow to our bank. " "Yes, this loan does have certain risks. "Chen Tiezhu said with a smile. "If we follow the stepsDevelopment, in fact, even if I want to acquire these two companies, I will wait until next year when I have a certain amount of financial strength. "

"At that time, my Jindoudou Company will also have a certain scale, and people can see its potential. But now there is really no way, time is tight and the task is heavy."

Listening to his words, President Peng also laughed, "Why do I feel that you don't seem to be very concerned about this loan?"

"After hitting a wall one after another, I don't have much hope." Chen Tiezhu said frankly.

"And my little brother has some spare money in his hand and can help me do this. But I think if the brothers transfer money too many times, it is inevitable that this relationship will gradually deteriorate."

"The most important thing is that his business will also be organized this year, and it is hard to say when he can get the approval document. By the way, he is engaged in jade trading, so this fund needs more."

"I am now worried that if I transfer money from him, it may affect his business in the future. So I would rather spend some interest and seek a loan from the bank. ”

“But the provincial approval document has not come down yet, and I am still not sure whether I can acquire these two companies. So I thought about coming here to explore the way and see how the situation is.”

“And I also want to make it clear that this loan is somewhat different from the loans you gave to these companies in the county before. For the loans given to the county, it is uncertain when it can be repaid.”

“But I can’t do it. If I want to really develop my business, this money must be returned in full. Otherwise, I will not have the opportunity to make a fortune in the future.”

President Peng looked at him in surprise, “You said so much, but it made me feel more confused. I always feel that your original intention of wanting to get this loan is not just for these two companies.”

Zhou Fengxia on the side was very happy. Brother Chen has met his match this time.

Now it depends on what Brother Chen says. Maybe he can really lend this money.