rebirth of cataclysm

Lin Mingzhen was stunned. Seeing him like this, Hu Jianqiang felt that his waist suddenly became hard and straight.

He used to feel inferior to others, but now, Lin Mingzhen, who was originally superior, was surprised. How could Hu Jianqiang not feel proud?

"Xiaochen, do you have the equity certificate and equity agreement?" Lin Mingzhen asked impatiently.

"Of course there is, but I don't have it now. If your bank is willing to lend it, we will definitely show it and follow the procedures."

"If this is the case, then I will definitely make a report to our president tomorrow and try to issue this loan to you as soon as possible. However...because the amount of funds is large, I dare not guarantee it. I just

I can say that I will do my best." Previously, Lin Mingzhen was confident and proactive, but after a "no", he became pessimistic and negative again.

"No problem, this matter is a business matter. If your president doesn't approve it because of the risks or other factors, that's normal and we can understand it. There are five or six commercial banks in Liangcheng City now. I think,

It is unlikely that all bank presidents have one

Such an idea. Taking a step back, even if they all have the same idea, even if they say that equity cannot be used as collateral, then we can still go to Pengcheng or even Hong Kong for loans. The financial market there is much more open and mature than ours.

Much more." Hu Mingchen calmly retreated and said.

When Lin Mingzhen mentioned that the amount was relatively large, he didn't dare to guarantee it and try his best. How could Hu Mingchen completely believe him?

Lin Mingzhen is so mysterious, just because he wants to gain personal benefits. What he means is: If I help you get such a large loan, don't you give me any favors?

There are some rebates in the loan. This is basically an unspoken rule. The last time Hu Mingchen borrowed 300,000 yuan, it was the same, and the interest was deducted first.

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

But Hu Mingchen didn't. He still pretended that he didn't understand, or he just thought that what Lin Mingzhen said was sincere. In short, Hu Mingchen's loan was a loan, and how much interest should be paid can be paid according to the loan contract.

But Hu Mingchen no longer plans to continue giving kickbacks to private individuals.

It is precisely because of the encouragement and acquiescence of the common people to this evil trend that these people become more and more unscrupulous, and the unspoken rules are turned into explicit rules.

The car, horse and artillery presented by Hu Mingchen is so simple. If you want to lend, you can lend. It doesn’t matter if you don’t. We won’t ask you. If you don’t want to lend, we will find someone else. If we don’t lend in this place, we will change it. In a word, other than that.

Besides, don’t think about anything else.

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

Hu Mingchen pretended to be dumbfounded, and Lin Mingzhen had nothing to do. He couldn't be honest and take the initiative to ask for any amount of kickbacks.

Moreover, Hu Mingchen's attitude of being indifferent really made Lin Mingzhen not to act rashly. Unless he really didn't want such a customer, he couldn't go too far.

In the past, Lin Mingzhen and others set the rules for loans. Now, Hu Mingchen wants to break this rule, and Lin Mingzhen is really not used to it.

"That's not necessary. With such a small amount of money, you don't have to travel so far, and it doesn't cost tens of billions. I will definitely talk to our president tomorrow. Our president is not the kind of person who has no knowledge.

, I believe the possibility of success is quite high." Although Lin Mingzhen still didn't finish his words, his meaning and tone were much better.

It was their first contact, and Hu Mingchen didn't have much hope. There was no way they could finalize the matter with Lin Mingzhen in just one conversation, and he couldn't make the decision.

The matter had reached this level, and the two sides chatted for a few more times, ending today's meeting.

It was agreed just now that Hu Mingchen would drive Lin Mingzhen back, but when they left the Xinhua Hotel, both parties 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 roadside and waited for him to get on.

After the car left, the two of them turned around and started driving.

"Xiaochen, why did you temporarily change the loan amount?" Hu Jianqiang took out the key and opened the car door and asked Hu Mingchen.

"It's not temporary. I just thought about it this afternoon. I just didn't have time to tell you." Hu Mingchen opened the door and got into the passenger seat, pulled on his seat belt and said, "I think ten million is still too little.

It’s all about loans anyway, so it’s better not to get a loan at all. If you want a loan, just take out a larger amount at once to avoid being in a tight situation.”

"But if you have so much money in your hands, you will spend it. When money is spent, it must be repaid with interest."

"Third uncle, look at what you said, can you still give money away for free? Of course you have to pay it back..." Hu Jianqiang put the reverse gear on and was about to speak again. Hu Mingchen continued hurriedly, canceling

His worry, "I know what you are worried about. You are worried that the funds will be gone and you won't be able to pay them back, right?"

"Yeah, of course I'm worried. It's easy to spend money, but it's hard to repay it. Even if you are investing, will it be easy to withdraw such a large amount of funds? What's more, it's okay to make money.

What's the loss?" Hu Jianqiang swung the steering wheel, stepped on the accelerator, and the pickup truck drove out of the parking lot of the Xinhua Hotel.

"Uncle Third, investing involves risks, there is no doubt about this. However, we are short of funds now. How can we expand our scale without funds? Don't worry, there will be no problem in repaying the loan. Let me just say that the mortgage is 100%

Fifteen percent of the equity is not all, at worst we will use another 10% of the loan to pay it back." Hu Mingchen was there, and Hu Mingchen didn't care about Hu Jianqiang's worries at all.

Moreover, Hu Mingchen said that, but in fact he never thought about using the other 10% for a loan. Hu Mingchen already had a secret about the repayment, but he did not tell Hu Jianqiang clearly.

Lin Mingzhen went to work very early the next day. After walking around the office, he went to the president's office on the top floor of the unit.

Last night, Lin Mingzhen told Hu Mingchen and the others that he was going to Panyun County today to verify and evaluate a loan, but he had changed his plan and would not go. Anyway, the matter was not particularly urgent, and it would not have much impact if he left one day earlier and one day later.

As long as you make a call to the unit over there, it will be completely fine.

Perhaps it was because Lin Mingzhen came too early that the president did not come. In order not to attract other people's attention, Lin Mingzhen did not wait at the door of the president's office. Instead, he went to the toilet and smoked a cigarette.

Come back.

After returning home last night, Lin Mingzhen sat alone in his study for a long time. He was just thinking about how to talk to the president today, trying to negotiate this deal, and trying to capture this customer.

If what Hu Mingchen said is true, then there is no doubt that his family is now the richest man in Liangcheng. Catching such a customer will be beneficial and harmless to their bank and Lin Mingzhen personally.

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

The president of Lin Mingzhen's bank is a woman named Min Wen. She is forty-four or five years old and graduated from the Provincial College of Economics and Trade.

Although she is a woman, she is not very old, but she has a lot of practical work experience. She has worked in a grassroots savings office for three years, and practiced at the head office for two years. After arriving in Langzhou, she has been working in Zhennan

While working, I also went to a coastal city for a year as an exchange. Not long after I came back from the coast, I was promoted to Liangcheng as bank president.

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

For more than half a year, Min Min has actually been doing the work of wiping her butt and dealing with the aftermath. Only when she arrived in Liangcheng did she realize that it was very difficult to work here. Although the balance of deposits and loans increased year by year, the bad debts also increased sharply.

On the contrary, profits have been on a downward trend for several consecutive years.

This is because banks cannot go bankrupt. If it were an ordinary company, they would have gone bankrupt two years ago.

To put it bluntly, what they eat now every year is money saved by ordinary people. The actual profit earned through loans is very little.

Everyone said that banks are rich, but now Min Min feels that even though she controls billions of funds, she is still quite poor.

Min Wen opened the door of the office and saw Lin Mingzhen coming to see her. Min Wen greeted him into the office.

"Director Lin, aren't you going to Panyun County today? Why are you looking for me so early?" Min Wen put down his briefcase and was about to pick up the cup to get the water. Lin Mingzhen's eyesight and quick hands were a step ahead.

.

Min Min just stayed behind the desk. If Lin Mingzhen wanted to get a drink of water, let him do it.

Min Min really doesn't like the people in the bank's credit department. These people sit in good positions and enjoy good food and drink, but they do not create real benefits for the company. It is Lin Mingzhen, who is in Min Min

It doesn't have much status there either.

All Min Min has been thinking about during this time is how to deal with the credit department, otherwise there will be no rumors that the director will be transferred.

The reason why she hasn't taken action yet and is standing still is that she hasn't found a replacement who she thinks is worthy of the big job. Once she finds someone, she will put it into action.

Banks are different from governments. The top leaders have great power, and the same applies to hiring people. Even though Min Min is a woman, if the superiors can send her to sit in this position, she is not an idle person.

Some people think that women are weak, but in fact, many women are better than men in management. The reason why they are considered indecisive is not because they cannot make decisions, but because they like to make decisions before taking action and are more cautious.

Min Min is an ambitious person. She is not very old, and there is still a lot of room for promotion. When she arrived in Liangcheng, Min Min hoped to achieve great results in a drastic way, so as to live up to the leader's expectations.