My Best Wife

Chapter 1066 Predicament (1)

"Yamai's shares are indeed high-risk now, but no matter how high the risk is, its own value still exists. Especially now that Yamei and Chengkai have resumed their cooperative relationship, Chengxie has also begun to inject capital to resume production and development for Yamei, so If this trend continues, the development of Yamei will be very stable and there will be no major problems." At this time, Fang Zhiqiang couldn't take care of it, so he could only move out the name of Chengkai and go to the stock exchange. According to reason, "So Yamei will not go bankrupt. At least in the short term, there will be no such possibility in one or two years, and the time we need to borrow will not exceed this time. Even if it is really possible, Naya Midea’s asset appraisal is finally converted, and the price of these shares is still more than tens of millions? So your reason is totally unreasonable."

Fang Zhiqiang has had many experiences in dealing with people in banks and making loans. He knows that sometimes the loan issue actually requires negotiation and maneuvering to strive for something that is as reasonable as possible or more. But in the current situation He has almost never encountered it before, but today he has encountered it repeatedly and has been rejected again and again, especially since his little good family has never been disadvantaged in loans before, but now such a high-value stock is actually He refused directly, but he had no other way and had to get a loan, so he could only fight desperately.

"Mr. Fang, you make this judgment from your perspective, but we have our own evaluation system, professional review, and various regulations." The other party still smiled politely and sorryly. The paperwork has already started, which means it is almost over.

Fang Zhiqiang was not reconciled: "What about a few million? It really doesn't work, we can always borrow a few million, right?"

Li Xiaoxiao had already gently pulled him next to him, beckoning him not to speak any more and not to do any useless work. Sure enough, I saw that account manager smiled bitterly and said: "Mr. Fang, it's really not that the loan can be approved if it drops to a few million. I have already stated it clearly many times just now. The most fundamental premise is We cannot accept or approve such a high-risk asset mortgage. So, Mr. Fang, if you really need a loan, I suggest you use other industries as collateral."

When they walked out of the stock exchange, both of them were already too tired. They had already run several stores, but they were rejected one after another, so they were more tired.

Fang Zhiqiang still can’t accept this situation: “America’s stock, no matter how much, is worth more than 2 billion yuan, how come they are worthless and useless?” Their plan was originally the biggest. The problem is funding. Li Yonggui’s 800 million plus Liu Yunli’s 100 million was originally a surprise, but what I didn’t expect was that after the surprise, they were stuck at such a threshold. A bigger gap that cannot be filled.

"And the most terrible thing is that now so many have the same caliber, and I think it should be the same for other companies. I am worried whether we are overly optimistic in our original estimates and use stocks to mortgage loans to absorb stocks. Isn’t it possible that his plan doesn’t work at all?” Li Xiaoxiao is really worried, after all, everything started because of her, and at this point, everyone of him has been dragged into the water and put in everything. She is already riding a tiger. If there is no way to absorb loans and get more stocks, he will be stuck at less than 25 points. Then Zheng Mingjie can use his position on the board of directors at any time to carry out deeper reforms and play with Li Xiaoxiao.

"No. There is no way for people." Fang Zhiqiang encouraged her, "I think the most likely reason is that these people on the stock exchange deal directly with capital every day, they are all motivated by profit. People, and they are also too sensitive to stock prices and risks. The decline of Yamei some time ago caused a certain psychological impact on them. Therefore, taking rash loans at this time will make them feel that it is impossible. We are too anxious. If it is a while, I think it might be different."

Li Xiaoxiao was silent and did not answer the conversation. Both of them knew the reason why they were so anxious: they couldn't wait at all, there was no time and opportunity to wait. The result of waiting would only be Zheng Mingjie's continuous rise and dominance of Asia and the United States, stock price It has also risen repeatedly, making acquisitions more difficult.

"I think it may be that our direction is wrong. We use stocks as collateral, and instinctively think of stock exchanges, because they are more professional and valued on stocks, and the mortgage loans they can give will be higher. But it just so happens. , The downturn in front of Asia and the United States, yes they made such a judgment. I think we should not go to the exchange, we should go directly to the bank.” Fang Zhiqiang said to Li Xiaoxiao.

"But didn’t we also talk about it when we were discussing it. At the bank, when my dad was working on the project, he had already borrowed a lot of money. Now due to engineering reasons, he has not paid off in time. This will affect the next Further loans." Li Xiaoxiao said with a frown.

"At that time, your father took the loan, after all, in the name of the company. Your personal loan behavior is purely using personal assets as collateral, and it has nothing to do with Yamei. This is why I want to go to the bank for a loan." Fang Zhiqiang said "This is also the main reason. We both have contacts in the bank, and we have loan channels and negotiation experience. In the stock exchange, we don’t have the resources and experience in this area. We will suffer a loss when we negotiate. of."

"Banks also accept stocks as collateral. Although there may be more restrictions in this regard, they will be relatively more standardized. Of course, the process may be more complicated and will delay some time, but it is better than being rejected or not getting a loan. Let's make the payment. I think we'll go directly to the bank next."

Li Xiaoxiao nodded. At present, this is the only way to go. The stock exchanges have already run so many. If they are rejected one after another, time and energy are wasted, and confidence will be seriously frustrated. It is better to change it first. Direction, try to talk from the bank.

In fact, what Fang Zhiqiang didn't tell Li Xiaoxiao was that he had a faint feeling in his heart. He had analyzed the situation of Yamei thoroughly, and the stock exchanges were more professional than him in this regard, and would be more professional. I understand that if you say you have completely lost confidence in Asia and the United States, this is very wrong in itself; if it is said that before Zheng Mingjie took over, the stock exchange is unwilling to lend, then there is reason for it. After all, Asia and the United States are indeed in a mess. But now that Chengkai has stepped in, the information of these people is very good, and the relationship between them is clear, and he may even understand the current strength of Yamei even better than Fang Zhiqiang.