rebirth of cataclysm

"Mr. Hu, I'm afraid I can't satisfy both of your requirements." Min Wen looked at Hu Mingchen and then at Hu Jianqiang and said.

"President Min, how do you say this?" Hu Mingchen asked solemnly with a calm face.

"It's very simple. You can only choose one of the two." Min Min knocked on the armrest of the sofa and said.

"If you want to borrow 100 million yuan, the loan period must be short. If you want to make short payments over a long period of time, the loan amount must be small? Is this what you mean?" Hu Jianqiang asked.

"Mr. Hu, that's what you mean. I got this from the provincial bank, because now we are controlling the funds." Min Wen nodded.

"I understand, the financial statements look better this way. President Min, I'm afraid... what you really care about is the repayment period, not the loan amount, right?" Hu Mingchen also rubbed his hands on the armrests of the sofa.

Rub the road.

Everyone who invests knows that the longer the period for withdrawing funds, actually means the worse the performance and the higher the risk. It is best to be able to get the capital back with interest in the short term. In this case, the revenue will be higher.

, the report will naturally look good.

"Haha, I really doubt it. Are you really still in middle school? Why do I think you have graduated from university in business management or economics?" Min Min shook her head in acquiescence and asked with a wry smile.

"I also want to graduate from college, but unfortunately I still have a few years before I can go to college. President Min, I want to know, what is the longest repayment period you can give me?" Hu Mingchen said honestly and fairly.

"One year, if we loan it out this year, we need to get it back next year. For this reason, we can reduce the interest rate by 0.25%." Min Min did not play tricks and revealed all her trump cards.

"President Min, thank you, Uncle Lin, thank you too. If the loan is only for one year, it will not mean much to us, but the risk will increase sharply. It seems that we cannot borrow this money." I heard that we can only.

After borrowing money for one year, Hu Mingchen suddenly felt a lot of pain in his heart.

In one year, it really means nothing to Hu Mingchen. The money invested has not yielded any output, so he has to pay it back.

On the contrary, Hu Mingchen will have to go through a lot of twists and turns in order to collect money to repay the bank. But don't get rid of Penguin Technology's shares by then, that would be the most unfortunate and tragic thing.

In a word, if it really only lasts for one year, Hu Mingchen would rather not borrow the money. Anyway, even if there is no loan now, they will not starve to death. At most, their development will be slower.

Although high risk means high profits and high market share, if the risk is too high, Hu Mingchen cannot accept it and will not touch it.

"Xiaochen, you don't want to lend money anymore?" Lin Mingzhen asked nervously.

He was the one who brokered this deal, and Lin Mingzhen was a little bit unwilling to let it go so wrong. What's more, this loan also greatly deepened his relationship with President Min.

"Thank you, we just don't borrow from your bank anymore. I don't know if other banks are like you, but we will try to find out through other bank channels. As I told you last time, if it doesn't work, we can still go to Peng

Hong Kong is a very efficient place and the money can be disbursed after verification," Hu Mingchen said.

When Min Wen heard Hu Mingchen's words, his face sank.

If Hu Mingchen just suspended the loan, that would be fine. But if Hu Mingchen obtained a loan from another bank, it would be a blow and pressure to Min Wen.

Peers are enemies. This saying does not only exist between ordinary small businesses, but also exists between banks to a certain extent.

Moreover, in the financial system, once you reach a certain position, there will be lateral transfers. He does not want the presidents of several other banks to become his leader one day.

"Xiaochen, let's... just go back. Don't disturb President Min and Director Lin. Two days ago, the vice president of the bank under the viaduct contacted me. Wait a day or two and we'll go

Let’s touch him.” Hu Jianqiang clapped his hands cooperatively and stood up.

Having cooperated with Hu Mingchen more times, Hu Jianqiang was somewhat able to find a point of tacit understanding with him.

Hu Mingchen and the others are exerting extreme pressure. If Min Wen is still willing to lend, then she will find a way to solve the problem. If she is not willing, then forget it.

From the very beginning, Hu Mingchen had envisioned a way out. He did not think that Lin Mingzhen would definitely help accomplish this matter 100%.

"Mr. Hu, sit down, please sit down. We are still communicating. If you have any questions, you can raise them and we will discuss them together." Min Wen reached out to persuade Hu Jianqiang to stay.

"President Min, everything else is easy to discuss, but you are really stuck at this time. You just kept saying that you would help the company develop and grow, but the one-year deadline may make it easier to strangle the company."

Hu Mingchen said.

Hu Mingchen has never run a business before, but he still knows a thing or two about the dangers of a broken capital chain. For some companies, the break in the capital chain has caused a chain reaction and caused a large-scale company to collapse in a short period of time.

"Haha, how could it be? We also have our own difficulties. The key is the timing. If it is not now but one year from now, then there will be no problem in five years." Min Min smiled awkwardly.

"But the problem is that one year later, our needs have become different. Now our country's annual economic growth rate exceeds 10%, and our Liangcheng's annual growth rate can also reach 9.5%.

There may be huge changes every year," Hu Mingchen said.

"So now everyone is pursuing short-term and fast, and we have nothing to do. However, a hundred million a year can actually do a lot of things, don't you think? As long as the investment is accurate and a 10% profit is achieved, a lot of things can be done."

It can be ten million." Lin Mingchen said from the side.

"Uncle Lin, what you said is right, but unless it is stock trading, how do you realize it, how do you realize it in the short term? Don't make a profit of 10 million, and lose 30 million in turn. It's like opening a factory, and 100 million turns into

The factory building has been turned into equipment and raw materials. Can you earn 100 million in cash in one year? It is obviously a fantasy. Then you can only sell the factory building, sell the equipment, and sell the raw materials. It is not a loss.

Weird." Hu Mingchen refuted Lin Mingzhen in just a few words.

"Xiaochen, let's go then." Hu Jianqiang urged.

"President Min, no matter whether our cooperation is successful or not, we still want to thank you and thank you for giving our company such an opportunity. I will waste your time today. We will not forget your kindness in helping. I hope there will be more in the future."

An opportunity for cooperation." Hu Mingchen stood up and said to Min Min in a very polite and graceful manner.

Hu Mingchen cannot be dissatisfied with others because he has not achieved anything, let alone express his anger. With one more friend and more avenues, no one knows what will happen in the future.

Women like Min Min are still very capable. If they maintain a basic friendly relationship, they may be able to use them someday. At the very least, they cannot make people uncomfortable, otherwise, the city will be exposed.

The next stumbling block will be bad.

"Then I would like to ask, what is your minimum term. Let me first state that five years is impossible. I can't do it." Min Wen stood up and asked attentively.

When Min Wen asked this question, Hu Jianqiang could only look at Hu Mingchen.

Hu Mingchen did not answer immediately, but made some calculations in his mind.

If Min Min can ask this, then there is still the possibility of relaxation, at least it is not certain.

She had already rejected the five-year deadline, and judging from the one-year deadline they had planned from the beginning, the time they could give really wouldn't be too long.

Hu Mingchen must now give others time to discuss and possibly accept it. Otherwise, it is better not to say anything, and there is no need to waste expressions on each other.

After sorting out all the investment intentions in his mind, Hu Mingchen said: "Two years, President Min, it can't be less than two years. If it's lower, we really won't be able to withdraw the funds. If it works, then this condition will apply. If it doesn't work, then it will be on this condition."

, we won’t embarrass you either.”

Hu Mingchen stretched out two fingers and said firmly every word.

Two years is the minimum period for Hu Mingchen. If it is less than this time, there is no need to talk about it.

"Then... you give me a few more days. I will go to the province for a meeting this time, and I will report to the leaders and discuss it. I can decide the amount, but I need to get approval for the loan period. In special times,

I hope you can understand this special operation. When I come back from Zhennan, whether it works or not, I will ask Director Lin to give you a reply." Min Min hesitated and said.

"No problem, thank you, President Min. We are willing to wait for a few days. I am determined that President Min will bring us good news when he comes back from Zhennan." Min Wen was willing to work hard to help, so Hu Mingchen naturally had nothing else to say.

.

When things got to this point, it was almost over. After a few small talk, Min Wen asked Lin Mingzhen to send Hu Mingchen and the others downstairs. Min Wen wanted to sort out the documents and go to Zhennan soon.

"Uncle Lin, thank you for taking so much trouble on this matter." Hu Mingchen said to Lin Mingzhen as he walked down the stairs.

"Why are you thanking me? Things haven't been completed yet. When it is, you can treat me to a meal." Lin Mingzhen waved his hand.

"There's no problem at all. Even if it doesn't happen, Hospital Lin is willing to give me a favor, and we're happy to get together with you. Director Lin, do you think President Min's trip to Zhennan will be successful, and will it be approved by the leadership?

?" Hu Jianqiang said.

"It's hard to say. We have just joined the WTO, and the banking industry is also undergoing adjustments. Our bank must be big, and it is still far from the big ones in the world. But President Min came from the province, so maybe she has something to do."

Lin Mingzhen said.

Our current economic scale is less than half that of Japan's, with just over one trillion U.S. dollars for the whole year. This makes the scale of our banks relatively small, and the balances of deposits and loans in various provinces and cities are also relatively low. If it were ten

In a few years, a loan of RMB 100 million will be basically decided by the credit officer of a branch, let alone the provincial bank.