rebirth of cataclysm

Hu Mingchen's long passage made Min Wen a bit confused. What on earth was he talking about?

"Xiaochen, don't you have a clear plan?" Lin Mingzhen asked as he sat aside.

"Uncle Lin, we talked about it last time. If I gave you a clear plan now, to be honest, it wouldn't be difficult. I could just find a few professional planners to make it. But that would be a lie to you. Does it make sense?

Investment in the business world is completed in an instant, and everything is market-oriented. Aren’t we now going to establish a socialist market economy? Everything is determined by the market. However,

, I have already said that it is necessary to increase investment in the Shangshan Lake area, at least if it costs hundreds or tens of millions. The supermarket side is also necessary. In order to do a good job in the layout of the city, at least

It’s tens of millions. After all, Panyun County, Langliu County and other lower places have not yet been expanded. As for the others, it’s hard to say for the time being." Hu Mingchen answered head-on.

"But your loan is 100 million. Even if each side invests 10 million, there will still be a surplus of 80 million." Min Min said.

"President Min... we are lending, and you are lending, not investing. There is a big difference. If you are investing, you should ask us to come up with a detailed investment plan, budget statement and expectations."

Income statement. But we are a loan

It’s a loan, and it’s a secured loan. What’s more important for you is to see whether our collateral is worth your loan. Do you think I’m right? Maybe my words were a bit harsh. I hope I didn’t offend you two.

A leader." Hu Mingchen said with a mixture of force and softness.

What Hu Mingchen said was rough. He couldn't answer their questions endlessly. Otherwise, their bank would have to examine Xingsheng Company's organizational form and management style, so how to rectify it? Xingsheng Company does not have a structured organizational form.

, and there is no clear management method. The core is Hu Mingchen.

Therefore, Hu Mingchen might as well go straight to the point and confront the tough issue, there is no need to waste time and energy on side details.

Hu Mingchen's pointed words made Min Wen and Lin Mingzhen speechless. However, they did make Min Wen angry, even if Hu Mingchen calmed down later.

After working in banks for so many years, Min Min has also worked in credit. She has never encountered someone who talks so arrogantly about loans.

In the past, when those people came, they would always say nice things. Whatever they wanted to ask, no matter if it was an excuse or a cover-up, they would always answer it with a good attitude.

This little guy was lucky. He didn't even do anything before he responded abruptly.

However, Min Wen also had to admire Hu Mingchen's courage and eloquence. He could say what he meant, but he didn't say it clearly.

"Although our bank is not an investor, when we provide funds, we must be responsible for the safety of our funds. In addition, while we use funds to help enterprises develop, we also hope to provide enterprises with more support in other aspects

.Overall, we mean well and we work with our customers

Customers are partners in a phalanx. We are unwilling to interfere with our customers' actual business. We hope that our customers' companies will get better and better. However, when we see that there are... flaws and unreasonable things in the development of corporate customers.

We also have the obligation and responsibility to remind you when the time comes." Min Min said after a pause.

"President Min, I'm sorry, what I just said didn't actually mean anything else. I hope you can bear with me. The bank has professional financial and economic talents, and they also have a lot of economic information. They can provide us with help. That would be great, okay?

, this is what we want, and we humbly accept it." Hu Mingchen's face, which had been calm just now, instantly showed a smile.

This little guy is really good. It's you who puts it in, and it's you who takes it in. It can really be retracted and retracted freely, and it can bend and stretch.

"It's good that you have this awareness. To be honest, we work in banks and deal with companies all day long. We have seen many companies. When they grow rapidly, their strength is amazing, but the speed at which they fall is also unexpected.

. We hope that our corporate customers will last for a long time, become stronger and stronger, and can become one of the top 500 companies in the country, or even the top 500 companies in the world. Therefore, we will care about the operation of the company and provide as much help as we can." Min Min said.

"What is the Fortune 500? This...is your bank now one of the Fortune 500?" Hu Jianqiang asked, scratching his head.

Hu Jianqiang didn't mean it, but when he asked, Min Wen blushed with shame.

Hu Jianqiang hit the point when he said something. So far, Min Min and other banks are not yet among the top 500 companies in the world. Why do they want to go public? Why do they need to reform and adjust to deal with bad and bad debts? Their purpose is also to go towards the top 500 companies in the world.

Forced.

It's somewhat ironic to say that you want to help others reach the top 500 in the world when you haven't even reached it yet.

At present, Chinese companies account for only a handful of the world's top 500 companies, and the United States and Japan account for more than half of them. China's top ranking this year is two barrels of oil, which is only 69

and 70. The others are two state-owned telecommunications companies, an insurance company, an import and export company and three banks. All are state-owned enterprises, and Min Min's bank is not one of the three state-owned banks.

Even the three shortlisted banks are ranked quite low. Whether it is operating income or profit, they are not even a little bit behind those of large international companies.

What is a bit sad is that there is not a single private enterprise on that list. The last one on this year’s list has a revenue of more than 10 billion U.S. dollars. At present, no private enterprise in China is close to this amount of revenue.

They're all still far, far away.

"Uncle San, the Fortune 500 is the abbreviation of the world's 500 largest companies. I believe it will be no problem for President Min and his company to be included in the list next year. After all, they are a national bank and their scale is still very large, especially when they will be on the list next year."

Overseas listing means a large scale of financing." Hu Mingchen explained awkwardly.

It's not embarrassing. Hu Jianqiang is just rubbing salt into other people's wounds, and they will look bad.

"I believe it's no problem. After all, our size is here and we have outlets all over the country." Min Min nodded.

"President Min, I'm sorry. By the way, you just said to help the company develop, so can you give us some advice? Our company has only been established for a short time, so it can be said that it is still a grassroots team. You can give us some advice to promote our development."

Improve and develop." Hu Mingchen changed the topic and humbly asked for advice.

"Since you asked, let me tell you... During this period, I got to know your company from a side perspective. To put it bluntly, as you just said, you are really similar to the Caotai team.

The structure of the entire company is basically empty. There are no professional and fixed financial personnel, no administrative personnel, no marketing personnel, and no logistics personnel... You don't even have articles of association. Because you

We are a family business, and I understand that to a certain extent, but we can't stay empty like this forever. What's even more incredible is that you don't even have a fax machine or a computer... For an ordinary company, if this were the case, it would be a long time ago.

It went bankrupt. However, your company can actually grow bigger and bigger, especially knowing how to invest in emerging industries in coastal cities. This really surprises me." Min Wen took a sip of tea.

"Haha, President Min, I made you laugh. Yes, yes, the actual situation is indeed similar to what you described. Let's put it this way, in our company, we don't even have the official seal in the office, for fear of getting into trouble, we just take it back to our hometown and keep it there

Yes, I'll use it if necessary." Hu Mingchen was not ashamed, but he could accept it openly and laugh. He was really unusually strong in his heart.

"Take all the official seals back to your hometown?" Min Wen and Lin Mingzhen looked at each other, both of them dumbfounded.

"Yes, because I lost it once before. However, we have also considered what you said. We also know that when an enterprise develops to a certain stage, it should have the connotation and management of that stage. From a normative perspective

Look, Xingsheng Development Co., Ltd., as the head office, is not as good as Xingsheng Supermarket and Xingsheng Travel Company below. So, we are already planning to improve our organizational structure this year and establish a modern enterprise

Enterprise management system. A considerable part of the loan from your bank is used for this. Our goal is to become a benchmark for private enterprises in Liangcheng, and even become a benchmark for private enterprises in the province. As for, under such circumstances,

We can still grow. This is what I just said. We just follow the market. The market is changing rapidly. Wherever there is profit and where it is beneficial to society, we will do it." Hu Mingchen said very frankly.

"Well, it's good that you have this sense of crisis and this ambition for development. So let's talk about the loan-related matters in detail now. I don't know how long your company plans to borrow, short- and medium-term loans or long-term loans?

Also, if 100 million is too much, can 50 million be OK?" After Min Min was persuaded by Hu Mingchen, she got back to business.

"This loan, of course, needs to be long-term. The time is too short, which is not conducive to operation and turnover. The best is five years. As for the amount, our goal is still 100 million. Anything less will not work." Hu Mingchen didn't need to say anything about this, Hu Jianqiang said.

Answered.

In this regard, since the last meeting with Lin Mingzhen, Hu Jianqiang and Hu Mingchen have discussed and reached a unified opinion.

First of all, they will never do short-term loans. In that case, there will be a lot of repayment pressure, and you can't really find another company to lend money to free up your left hand and your right hand.

In terms of amount, Hu Mingchen still believes that 100 million is relatively comfortable, and 50 million is a bit too small. In other words, their goal is 100 million, and 50 million is actually the bottom line.