Rebirth Starts From 2006

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As early as after the first commercial was broadcast, Zhou Na called Chen Yang, but at that time, she didn't recommend any loan business, and it was mainly for emotional contact.

Calling now may not be because of business demands, but Chen Yang couldn't help feeling a little weird when Qin Yu said that, as if he had some secret deal with her.

After the phone rang three or four times, Chen Yang shook his head, picked it up and connected it, and said with a smile, "Hello, Miss Zhou."

Immediately, Zhou Na's delicate voice rang in his ears, "Hello, Mr. Chen, I'm sorry, I called you again, are you busy?"

"It's okay," Chen Yang put his hands on the back of his head, leaned back against the back of the chair, glared at Qin Yu who was full of teasing, and said, "Miss Zhou called, what's the matter?"

In an independent office of Min'an Bank, Zhou Na sat on a chair, waved her hand to signal her best friend not to show her teeth, and said with a smile, "It's nothing expensive, I just have good news to tell you, I just got a notification, after passing With the approval of the branch leaders, our bank has decided to raise the customer level of the two companies, Damai and Huahuo, to the highest level of strategic partner status, and at the same time, provide the two companies with a credit line of up to one billion."

Banana Lychee Technology Co., Ltd. was the first to sign a strategic cooperation agreement with Min'an Bank, including all the current property mortgage loans. They are also cooperating in the name of this company. Later, Anjia Real Estate and Hengli Real Estate were added, but Damai and Huahuo are not among them.

After several emotional contacts, Zhou Na finally revealed her purpose, and immediately gave a quota of one billion, which is higher than the sum of the previous three companies. This is to wipe out all the companies in Chen Yang's hands. .

"Hey, this is really good news," Chen Yang curled his lips involuntarily, touched his head, and said with a smile, "Then, what is the interest rate?"

Zhou Na immediately said, "For the highest-level customers, we are of course the same as the previous ones, giving the lowest interest rate."

After a pause, he said in a joking tone, "Of course, it must be lower than the interest rate given to you by an unlisted commercial bank. After all, that kind of loan is intervened by the city government. Even if I want to give it to you, the branch leader will not agree. However, I don't think the City Commercial Bank can give us this credit line!

in addition,"

Speaking of this, her tone became serious again, "Mr. Chen, this includes a credit line of up to 500 million yuan. Can the city commercial bank provide this condition?!"

The credit line refers to the short-term loan total amount approved by the commercial bank for the customer. The total credit line can be subdivided into the loan line, the opening letter of credit line, the export bond line, the letter of guarantee line, the bank acceptance line, and the acceptance line Sub-item quotas such as discounted quotas.

As long as it is within the target range, the bank can quickly provide loans to customers without the need for cumbersome approval procedures.

However, normally, this kind of loan also requires mortgage or guarantee. The difference is that the guarantee method adopts the highest amount guarantee or the highest amount mortgage, which covers all the risks of each credit line under the amount, that is to say, the money you can get is more Some,

Only for a very small number of large customers with good credit, banks will open a certain percentage of credit loans, that is, unsecured and unsecured loans.

Well, it's almost like a credit card.

Now Min'an Bank has come up with a credit line of one billion in one breath,

Half of them are credit lines, and their sincerity can be seen in general.

Chen Yang reckoned that they might have been stimulated by the city commercial firm's intrusion, and they were afraid that someone would pry away a big client!

But, he doesn't need a loan!

The 100 million low-interest loan from the city commercial bank is nothing more than 100 million low-interest loans. If there is a bargain, he will not take it for nothing, but he really can’t use the normal high-interest commercial loan. Now Damai Technology Company still has 500 million in its account.

Oh, after another half a month, it's already one billion!

Futukang will deliver a batch of goods every day during this period, and even Tektronix’s chips will continue to be supplied. These mobile phones have been turned into banknotes lying on the account, plus some agents call in advance to grab the goods. , with so much money,

I have billions in cash in my hand, why do I need a loan? !

Are you going to buy stocks again?

It's almost June, and the stock market will crash in four months. I'm throwing money into it now...

It's not impossible!

Chen Yang tapped his finger on the table, thought for a while, and said, "Miss Zhou, since you already know that the City Commercial Bank is going to provide us with low-interest loans, you must also know who the loan is for. "

Zhou Na immediately said, "I know, although this loan with a total amount of 100 million yuan is actually used for the construction of Damai Science and Technology Park, it is nominally provided to Chuangfu Makerspace, which can be used by any of the Makerspace's an item."

After a pause, Zhou Na suddenly had a flash of inspiration, and asked tentatively, "Mr. Chen, what do you mean, you can directly cooperate with our bank in the name of Maker Space?"

Makerspace is just a carrier, and there are not many places where funds need to be used, and there is no fixed asset collateral that all banks value in this era. This is why Min'an Bank did not list Makerspace as a strategic cooperation from the very beginning. One of the reasons for partner,

In fact, until now, apart from opening the company's basic account here, Chuangfulai has no financial relationship with Min'an Bank. How can a company that has no business relationship improve its customer level!

The reason why the city commercial bank will provide loans for Chuangfu is mainly because of the reasons in the city. After all, this is a first-tier city. Barley and Huahuo may get a certain amount of attention, but in front of many big factories, that's all.

But if we support a company that can continuously incubate large factories, and then promote this model to the whole society, it will be a very bright political capital.

In addition, the actual use of this loan is still for the Damai Company, and there will not be too much risk. Then take a turn around and bring Chuangfu into it, and then make some other achievements in the future, or you can write a special book. Is there a book?

Zhou Na heard these things from her mother when she was at home last night. At that time, she was still asking, since Future Future has this advantage, why did Min'an Bank directly list Future Future as a strategic partner?

At that time, my mother just glared at her and said, unless Chen Yang asked for it on his own initiative, this piece of fat meat is the dish in the bowl of the city commercial bank, and no one can take it away! Even if Min'an wants to do it, it can only cooperate with a single company instead of directly participating in the entire makerspace.

Cooperating directly with incubating companies does not have much impact on the bank, at most it is a little cumbersome. Since there is no major conflict of interest, why should Min'an do something sinful? !

Of course, if Chen Yang made this request himself, as a big bank, he still has the confidence to respond to customers, and no one can say one, two, three.

But now, Chen Yang seems to really reveal this meaning, so, if he really has this idea, how should he deal with it?

Just when Zhou Na was uneasy, Chen Yang said with a smile, "I have a small suggestion here, but it may not be possible to operate with your authority, and you may need to come to the branch to do it.

Don't you know Vice President Liu of your branch? You can pass it on to her to see if your bank is interested. "

Before Zhou Na could speak, he continued, "What Zhongchuang Space wants to incubate is not one or two companies, but countless small and micro enterprises that are constantly flowing. Before these small and micro enterprises grow into large-scale enterprises, they will need venture capital. , loans and other financial support,

It would be too cumbersome to carry out financial cooperation directly with these small and micro enterprises. Second, the credit line of small and micro enterprises would not be too high, and the financing capacity would be seriously insufficient, which would delay the development of enterprises.

If your bank can form a syndicate with a city commercial bank, or two or three more banks, and directly sign a general credit line agreement with Chuangfulai, in the future, any incubating companies that need funds can be reviewed by Chuangfulai first. , those who pass the review, apply to the syndicate in the name of Future Innovation, so that the efficiency will be greatly improved, and it will be convenient for you and me. "

After finishing speaking in one breath, Chen Yang took a sip from the water glass and said with a smile, "That's the suggestion, you can tell President Liu for me first, and see what she means."

The current standard for enterprises above designated size was set in 1998. The line of main business income exceeding 5 million yuan in the previous year will not be revised until four years later, and it will be raised to 20 million yuan.

Judging from the current standard, none of the companies in Chen Yang's hands are eligible, not even Damai, because Damai hadn't been established last year.

But it will be different next year. Except for Anjia.com, which is not sure whether it will be profitable, including Anjia Real Estate, Hengli Real Estate, Damai, Huahuo, and even Yunshan Network Technology Company, all of them will become enterprises above designated size.

By that time, Chuangfu's performance will be quite impressive.

See, four or five regulated companies are hatched in a year, how awesome!

It may also be for this reason that the three-level government will give such a large amount of support. It's cheap, why not!

At this moment, Qin Yu directly took Chen Yang's pen and notebook, wrote two lines of words on it, then turned it upside down, and pushed it in front of Chen Yang.

Perhaps it was Zhou Na who was thinking, but there was no sound from the receiver. Chen Yang looked down, and then said, "Miss Zhou, I would like to add two more points. In the first phase, one billion venture capital funds will be provided for business incubation, "

This venture capital company is naturally Rainbow Valley Capital. As for the one billion capital, ahem, isn’t there still one billion in Damai’s account? It can be transferred after a formality, no problem at all.

Chen Yang continued, "Second, for the loans approved by the syndicate to the projects that have been reviewed by Chuangfu, Chuangfu will provide guarantee obligations with the shares held by itself and its related affiliated companies, that's all."