rebirth of cataclysm

"You...you even knew that our bank was going to be listed?" Lin Mingzhen was surprised again.

This is not to say that the listing of a state-owned bank is a secret, but that in a small place like Liangcheng, except for people in their industry, it is impossible for ordinary people to care about this, and most people do not understand what listing is.

In Langzhou, there are currently only two cities with securities companies, and most of them are concentrated in the south of the provincial town. There are currently no securities companies operating in Liangcheng, which at least shows that there are still very few securities investors in Liangcheng. Correspondingly,

There are very few shareholders.

Lin Mingzhen's feeling is that in Liangcheng, people don't care about the news about the securities market. It can even be said that they don't even read it, and they can't understand it anyway. As for whether the stock market rises or falls, the impact on people is

zero.

In general, there are currently only five listed companies in Langzhou, four of which are located in the south of the provincial town, and four of the five are state-owned enterprises. Only a large pharmaceutical factory in the provincial town is a private joint-stock company, and this pharmaceutical factory

Its sales are less than one billion, and its listing approval was only passed this year.

Therefore, Lin Mingzhen was not surprised that a middle school student like Hu Mingchen could tell that their bank was going to be listed and a series of measures were being taken to achieve growth.

Needless to say Hu Mingchen, even Lin Mingzhen himself within the bank, his certainty is not so sure and accurate.

In fact, since Hu Mingchen learned that Lin Mingzhen took the initiative to mention the loan situation to Hu Jianqiang, he deliberately paid attention to the relevant news. For this reason, Hu Mingchen even called Ma Jiahao and asked Ma Jiahao to prepare some information for him.

"What don't you know about this? Not only your bank is going to be listed, but most banks are going to be listed. Once it is listed, financial reports are of course very important. You can't let investors have no interest in investing at all, and you can't let the stock price fall.

On the ground, in that case, where will the big head's face be?" Hu Mingchen said calmly.

"That's what I say, but our listing is the overall behavior of the national head office. Our branches are relatively small shrimps. Even if we make any moves, it is limited to our Liangcheng. If we really look at the whole country,

, not even shit." Lin Mingzhen said.

Hu Jianqiang couldn't speak at all at this time, so he could only sit next to him and be a quiet audience. The content of the conversation between the two of them was beyond the scope of Hu Jianqiang's understanding and knowledge. At the same time, it was undeniable that this also had a negative impact on Hu Jianqiang.

It provides a certain degree of stimulation and stimulates him to learn more knowledge. If this person's knowledge level is low and he can't even talk and brag, it will be very hurtful.

"Uncle Lin, let me tell you something that may offend you. This may be your idea. In other words, your bank president may not think so. However, any action you take here will indeed not make any waves, especially nationwide.

, there are so many big cities along the coast, who can see your achievements. But don’t forget, you are now

Is the work you are doing, or your efforts, for the leaders of the head office in Beijing to see? Of course not, they can’t see it either. There are so many branches across the country, and Liangcheng is a small place, and the leaders of the head office will not even look at it.

Then let’s think about it, what about provincial travel? Do they want to see it?” Hu Mingchen peeled off the cocoon layer by layer.

"Look." Lin Mingzhen replied honestly.

"That's right, the work of the branch leaders is for the provincial branch leaders to see. If everyone is a stagnant pool of stagnant water, and they are still changing the soup without changing the medicine, who will the provincial branch leaders look at? I don't think anyone will look at it. We

Narrow the situation to your side. You don’t do your work for the province.

You can't see it from the top, they can't see you either. But can your current boss see it? If you put forward a good suggestion and the leader takes it seriously and adopts it, it will be a good thing for you all. Don't you think so?

Such a truth?" Hu Mingchen continued from the macro to the micro.

Hu Mingchen's words made Lin Mingzhen fall into deep thought. The more he listened to Hu Mingchen's words, the more interesting he found them.

There are some principles that everyone thinks they understand, but they seem vague and unclear. Just like life, everyone is living it and everyone is talking about the principles of life. However, only those who can explain it well and thoroughly can

You will become a life mentor, and the articles you write will become chicken soup for the soul.

The same goes for Lin Mingzhen's loan. He has fallen into conventional thinking. He wants to perform, but he doesn't dare to break the convention. How can he do it? At most, he will progress from decadence to inaction.

Hu Mingchen and Hu Jianqiang did not bother him, they just drank tea and waited by themselves.

Seeing that Hu Mingchen actually talked about Lin Mingzhen at a loss, Hu Jianqiang couldn't help but give him a thumbs up. If it were him, he would never be able to do it. It is this verification time and time again.

, which makes Hu Jianqiang always ask Hu Mingchen’s opinion or follow Hu Mingchen’s decision-making when he encounters a slightly important decision.

Hu Jianqiang felt from the bottom of his heart that his nephew was not simple, and he also felt from the bottom of his heart that he was not as good as him.

It took about more than a minute before Lin Mingzhen woke up.

"It makes sense, what you said makes sense." Lin Mingchen nodded repeatedly towards Hu Mingchen, "But no matter how reasonable it is, this commotion will not cause much trouble. It is impossible for our bank to approve such a large loan to you.

Even if you can find someone to say hello, it will probably be difficult. In fact, your strength... is indeed not strong enough."

"Haha, Uncle Lin, do you think I am a targetless person? We will not say hello to anyone, and I also believe that your president will approve it. Haha, I have full confidence. Of course, this is because you still lack understanding of our company.

Understand, if you understand, it won't be like this. Let me tell you this, we can provide at least 300 million worth of collateral." Hu Mingchen said confidently.

Hu Mingchen is now like a top golfer. The ball is always in his hands throughout the court, and he firmly controls the situation with both hands.

It can be seen from the entire conversation that Lin Mingzhen was led by Hu Mingchen from the beginning. Under Hu Mingchen's guidance, he could only follow step by step.

"Three hundred million? Three hundred million? Did I hear it correctly? Not thirty million?" Lin Mingzhen stared at his eyes, and his mouth was so surprised that he could fit an egg into it.

No wonder Lin Mingzhen was so surprised, but from his understanding, Liangcheng Fu couldn't afford so many assets. The entire Langzhou Fu had only more than one billion in personal assets. How could Hu Mingchen and the others be able to afford three

Asset mortgage worth billions? How is that possible?

When Fenghuang Mountain sold land for more than 20 million, Lin Mingzhen knew that, but the assets were going from more than 20 million to 300 million, an increase of ten times, and in such a short period of time, he Lin Mingzhen

It sounds like a fantasy.

He still knows a lot about Lin Mingzhen in Liangcheng. He still knows a lot about who is a respectable person or how many assets and investments the company has. He has never heard of Xingsheng Company making so much money from a large-scale investment in Liangcheng.

.

Even before, Lin Mingzhen thought that Hu Mingchen and the others had not spent all the more than 20 million, and there were still another 10 million left before death. Because in terms of asset evaluation, the three projects within Liangcheng, including Duge

Including the ethnic streets in the township, the total amount is just over 10 million.

But now Hu Mingchen suddenly showed up to him with a sum of 300 million. It was surprising that Lin Mingzhen could calm down.

"You heard it right, and I said it right, it's 300 million. I know that our company has only received one loan from your bank, and its reputation is negligible. As for the return on investment, that is, the development and profit evaluation, I think

The mortgage of 300 million yuan can already explain the problem. The asset mortgage of 300 million yuan, one-third of the loan collateral, is in line with the rules, right?" Hu Mingchen said slowly, showing strong confidence in his movements.

"If there are really 300 million assets mortgaged, then of course it is consistent with the rules, and other aspects are not a problem. But where are your 300 million assets? To be honest, this is far beyond my expectation." Lin Mingzhen said steadily.

Calm down your mood.

If Hu Mingchen and others really have 300 million in assets, then they are the best customers in Liangcheng, bar none. Those large state-owned enterprises are big, but they have too much money to get back, and they cannot be said to be high-quality.

But Hu Mingchen and others are completely different. If the money is not paid by then, the bank can apply to the court to auction the assets to pay off the debt.

"Uncle Lin, this is not a physical asset, so of course you can't see it."

"Is it an intangible asset?" Lin Mingzhen asked rhetorically.

"It's equity. I wonder if Uncle Lin has heard of Penguin Technology?" Hu Mingchen said.

"I've heard that it's a new technology network company that popped up not long ago. It's developing very quickly. Not to mention that many people in our bank already use this company's Penguin account to chat and communicate. Even my children use it every day after school.

Everyone has to chat with some random people on the computer for a long time before doing their homework. What, do you have anything to do with this company?" Lin Mingzhen is not too ignorant.

"Of course it does matter. We are the largest shareholder of this company. The company's current number of customers has exceeded 100 million, and the number is still increasing by about 200,000 every day. According to the evaluation of authoritative organizations, this company is currently worth at least

Two billion, maybe it’s more now, no matter what, we use this company

How about 15% of the equity as collateral? This company should be listed overseas next year, and its assets will increase at least dozens of times by then. I think if I were your president, I would be eager to do such a transaction, haha."

Hu Mingchen thought that confidence was so powerful, and his final chuckle showed his confidence.

"I just can't imagine...it's hard to believe..."