rebirth of cataclysm

After a meal and a drink, the relationship between the two parties was greatly improved. They were cordial and happy with each other, just like old friends who had known each other for many years, and the atmosphere was very harmonious.

After drinking and eating, Lin Mingzhen looked at his watch. He meant to tell Hu Mingchen and the others that if they had anything to say, it was almost time and they could say it.

But Hu Jianqiang glanced at Hu Mingchen, wanting to see what Hu Mingchen meant.

However, Hu Mingchen acted calmly: "Uncle Lin, what, you still have work in the evening?"

"I don't have much work to do in the evening. I'm just tired after a long day of work. I want to go home early and rest. Tomorrow I have to go to Panyun County down below to verify a loan." Lin Mingzhen said.

Lin Mingchen mentioned going home to rest and a loan, which were already obvious hints. In his opinion, Hu Mingchen and the others could not be ignorant, and they should really talk about something.

Lin Mingzhen didn't think Hu Mingchen and the others didn't want a loan. To put it bluntly, if they didn't want a loan, why would they spend money to treat him to dinner? They didn't really have a good relationship.

Showing courtesy for nothing is either a traitor or a thief. When you are polite to others, you must ask for something. But Lin Mingzhen forgot that he was the first to bring up the meeting tonight. Speaking of which, Hu Mingchen and the others only

It can be regarded as just accepting the appointment and paying the bill proactively.

"Uncle Lin, did you drive here? If not, wait a while and we will take you back." Hu Mingchen didn't accept the loan at all, but you wanted to leave, so he sent you away.

Hu Mingchen's handling of human relations and sophistication has been smooth and smooth, making it difficult for people to find fault even if they want to.

"I knew I wanted to drink, so I took a taxi. The car from my workplace was parked at my workplace. I don't need to send it off for a while. I just grabbed a car at the door and went back. Anyway, it's not far from home." Lin Mingzhen said.

"Then you still need to take a taxi. We'll take you back later. The company bought a pickup truck for transportation. Don't worry, it's been cleaned, haha." Hu Mingchen said.

"Yes, Director Lin, Xiaochen and I will see you off when you leave." When saying this, Hu Jianqiang winked at Hu Mingchen.

Hu Jianqiang meant to mention what should be mentioned. If Lin Mingzhen really left, it would be difficult to talk to him about the loan next time.

However, Hu Mingchen just pretended not to see it, remained as if nothing had happened, and had no intention of raising the loan.

"Haha, that's okay. I can't believe that in the blink of an eye, your company has already distributed cars. In the past two years, your company's business has been developing pretty well, right?" After accepting, Lin Mingzhen asked with a caring attitude.

road.

"It's not bad, it's developing very fast. In Duge Township, we saw an ethnic street, which is now a landmark building and a prosperous place in the township. In addition, we have also opened several supermarkets, not only in the city

Yes, we are also setting up locations in Gaoshan County and the towns below. In addition, in Renchuan, the company has also invested in a tourism company to develop Shanding Lake and the surrounding areas." Hu Jianqiang reported.

As for Bloomberg Electronics Co., Ltd. and Penguin Technology in Pengcheng, he didn't mention a word. Even if he had to talk about this, it would be done by Hu Mingchen, who knew the situation there better than he did.

"I remember Xu Tiancai mentioned to me that you resold the land you bought on Fenghuang Mountain and made more than 20 million by changing hands. Did you spend all that money on your business?" Lin Mingzhen said.

"Yes, it's all laid out. Money must be invested to bring in profits. If it's just kept in the bank, it will depreciate. In a few years, the price will eat up half of it. It's not cost-effective." Hu Mingchen said.

.

"Are you talking about more than 20 million?"

"Haha, Uncle Lin, do you think more than 20 million is a lot? If you really use it for investment, you may only get a few bubbles if you invest it. Let alone more than 20 million, even if it is more than 200 million, it is easy to invest.

." Hu Mingchen said relaxedly.

"Investment depends on returns, but you can't just throw money without producing anything." Lin Mingzhen commented.

"Well, what Uncle Lin said is reasonable. Our investment so far has brought relatively good returns. Take the Minzu Street in Duge Township as an example. We invested more than two million yuan at the beginning, and now I'm afraid it's only five or six million yuan.

It’s more than a million,” Hu Mingchen said casually.

"Is there such a high income?" Lin Mingzhen expressed surprise.

"Haha, Uncle Lin, is that return pretty high? There are investment opportunities everywhere now. If you look for any project, the return will not be worse than this, and some can even be many times higher. Look at the assets of those rich people. Some of them are

It will double in one year." Hu Mingchen said easily, he seemed to be a little disdainful of such income.

It is true to say that for example, Hu Mingchen's investment in Phoenix Mountain, the return was dozens of times. Another example is his investment in Penguin Technology, which is even more staggering. It has already been dozens of times, and will increase sharply in the future.

Hundreds of times, thousands of times.

Therefore, the small project on Minzu Street in Duge Township is just child's play. The investment in Xingsheng Supermarket has also doubled from an asset perspective.

"With the money you invest now, you will earn a lot, but you will also lose a lot. We have seen a lot of this in the bank." Lin Mingzhen nodded.

"Uncle Lin, with all due respect, although you are a commercial bank in name, you actually function as a policy bank. You said that you have lost a lot of the loans you lent. You know this very well, right?

How much of this money does your bank really want to lend, and how much of it is loaned out on the basis of greetings. Among your customers, those state-owned enterprises are definitely the big ones. What benefits can they bring? I remember how many

I saw the news a few days ago that you are lending money to the Dai County Coal Mine to pay wages. Think about it, they can’t even pay the wages to the workers themselves. What else can you do if the money you loaned is not wasted. It’s just that everyone is

It belongs to the country, the coal mines belong to the government, and the banks also belong to the government. If you lose, you will lose. If it was your own money, who would do that, don't you think?" Hu Mingchen picked up the teapot and helped Lin Mingzhen fill it up.

The Way of the Tea Cup.

Hu Mingchen's words made Lin Mingzhen look at him strangely. Especially when Hu Mingchen mentioned that commercial banks assumed the functions of policy banks, he was even more impressed. Most people would not see such a thing.

thorough.

"No wonder your investment has such good returns. You are a sensible person and can see things clearly. There are some loans that we actually don't want to grant, but in the end we have to grant them, even if we know that if we give out the money, it will be a fool's errand.

There are pressures and demands from the city and the province, asking us to help local development and help state-owned enterprises tide over difficulties. There are some greetings that we have to listen to." Lin Mingzhen said with deep feeling.

"Don't you have vertical management?" Hu Jianqiang asked.

"The system is vertical management, but in reality it is not necessarily the case. After all, we have to set up offices and conduct business in this area, so we are inevitably affected by the local area. If the local government restricts us, we will also have many difficulties. Think about it.

Reality is one thing, and this is our reality. Regardless of the coaxing of our president, when you really meet the leaders of the city, you still have to bend down. The power is different, and the influence is different." Lin Ming

Zhen took a sip of tea.

After working in a bank for many years, Lin Mingzhen is very aware of the subtleties. The mayor of their bank may not take it seriously. There is only one mayor, but there are many banks. At least

There are four major state-owned banks, and every city must have one.

"I thought that in order to get money, the local government would look at your faces at all times," Hu Jianqiang said.

"It's not that exaggerated. For the county, maybe, but for the city, it's not at all. If nothing else, there is a difference in level alone." Lin Mingzhen said.

When talking about these exciting topics, Lin Mingzhen was no longer tired and did not mention going home. Hu Mingchen and Hu Jianqiang also did not mention whether to send them off or not.

"That's true, Uncle Lin. I think if you have the opportunity, you should be transferred out of the banking system and work locally. You will probably have many more development opportunities." Hu Mingchen echoed the suggestion.

"Forget it, I don't want to think about it anymore. At a level like ours, it's not that difficult. Even if you are a branch leader, the possibility of being transferred to a local location is slim. I'll just stay safe and be honest."

You can really work in the bank until you retire and get some retirement salary." What Lin Mingzhen said was the truth, but it was not the truth.

He is telling the truth. It is true that he has to be transferred from the banking system to a local position. The door is indeed opened, but the difficulty is really very high. People who can make this kind of transfer every day are really rare.

If they have specializations, most of the time they still have to stay in the bank and serve.

What he said was not the truth, but he meant that Lin Mingzhen actually did not necessarily want to be transferred to a local government. On the one hand, the salary and benefits were different, and on the other hand, he had much greater freedom. The local government wanted to take care of this, but their bank

Within the system, almost no one cares.

What's more, Lin Mingzhen is in the credit department. In this department, there is a lot of money and money, the work is relatively leisurely, and he is respected. Wherever he goes, there are people who treat him to guests and flatter him. Under such circumstances, Lin Mingzhen is willing to be transferred to work somewhere else, then

That's the weird thing.

As a director of the credit department, even if someone offers to replace him with a township chief, he may not be willing to do so.

"Haha, Uncle Lin, I guess it's not that easy. You should continue to make progress in the future. You will be busy by then. If you want to be stable and honest, I'm afraid there won't be much room." Hu Mingchen

smiled.

Hu Mingchen's words suddenly stirred up the thoughts in Lin Mingzhen's mind again. He then remembered that his main purpose was to replace the director. The purpose of meeting Hu Mingchen and the others today was to gain support and increase his ability to succeed.

Come on?