Rebirth Starts From 2006

Although the two of them have gotten used to it a lot after the previous experience, Zhou Na couldn't help being speechless when she saw the thick stack of real estate certificates in front of her again, and looked at Chen Yang with a strange expression on her face, "Mr. In this batch, there are a total of three hundred and forty-six shops, don’t you want to buy out this market?!”

Chen Yang laughed, put down the briefcase, looked at her and said, "I don't have this ability, today is the last batch, after finishing these, this project will come to an end."

He wanted to buy out the market, but unfortunately, if he hadn't taken advantage of this relocation turmoil, let alone more than 300 stalls, he might not be able to buy three stalls a year. bought,

Although he is still asking his subordinates to continue to close the shops, it is estimated that they will not be able to close a few shops, and they will not be able to borrow much money for a few shops, so he is too lazy to run any more. The revolving loan will end here.

ended?

Zhou Na looked at him in surprise, "Mr. Chen, don't you want to buy a shop?"

Zhang Jin, who was checking the real estate certificate, also raised her head in astonishment, she has been doing well, why didn't she do it?

If you want to say who is the most uncomfortable when Chen Yang doesn't take out a loan, Zhang Jin is definitely one of them.

The bonuses for the two of them in the past three months are beyond imagination, and they are all thanks to the person in front of them. If you don't do it, what will happen to the bag I fell in love with the day before yesterday? !

Chen Yang smiled and said, "I've collected almost all the shops in this market. Even if there are a few more, it doesn't matter to the overall situation, so let's stop here."

"yes?"

Zhou Na came back to her senses, and said with a regretful smile, "I finally met you, a big client, and I was thinking of doing more business, but I didn't expect it to end so soon."

Three months ago, she and Zhang Jin were still worrying about the performance of one million yuan a month, but they didn't want to meet such a big client. The performance of sixty million yuan was enough for them to lie comfortably for two years. Now it's like this In the end, everyone will have some regrets.

Chen Yang smiled, looked at the two of them, and said, "Although I won't be mortgaged anymore, it may not be impossible to help you with performance."

Um?

Zhou Na and Zhang Jin looked at each other and looked at him strangely. What do you mean?

Chen Yang took a sip of the coffee on the table, looked at Zhou Na and said with a smile, "Miss Zhou, I remember that if the collateral appreciates in value, the bank can also conduct a second evaluation and increase the loan amount, right?! "

"Yes, there is such a clause." Zhou Na blinked and asked, "Mr. Chen, you mean to ask the bank to re-evaluate these shops?"

At this time, Zhang Jin who was sitting on the side couldn't help laughing, and interjected, "Mr. Chen, if you let the bank reassess, I'm afraid not only will you not be able to increase the value, but it will also reduce your quota. After all, the shops in this market have been closed in the past two months. The value has depreciated by nearly 20%, if it weren’t for the binding clause in the contract we signed before, perhaps the credit terms would have been lowered as early as two months ago.”

"Really, the bank is not a philanthropic hall, and there are still some people who know that they are depreciating without stopping the loss?" The old god Chen Yang sat on the chair on the ground, unmoved by Zhang Jin's words, twisted his neck twice, and said with a smile , "I remember, more than a month ago, when my total loan just exceeded 15 million, didn't your bank already conduct a second assessment, didn't it?"

When these words came out, both Zhou Na and Zhang Jin were shocked.

Indeed, one and a half months ago, as Chen Yang's loan amount increased day by day, far exceeding the amount expected by the risk control department, the risk control department immediately intervened in the investigation, and the time was only two days.

At that time, the two of them were still a little dazed and didn't know what to do. Fortunately, they suddenly returned to normal, so they found a reason to prevaricate, but he didn't expect him to know?

Chen Yang rested his right hand on the small tea table, tapped his fingers lightly, looked at the two people with strange faces, the smiles on their faces gradually receded, and said softly, "The first few loans,

Your bank loans are very straightforward, and it was the same later. Only that time, I was delayed for two or three days for no reason, which almost broke my capital chain, and I couldn't explain it to the seller, and almost lost several million in advance payment And at that time, it happened to be the end of the city government's arrangement for people to go to the market to do research. You are worried that the market will be relocated. At that time, the prices of shops will drop sharply, which will cause too much loss to the bank. In addition, the dozens of dollars I mortgaged to you at that time A store is enough to be a bargaining chip for you to give favors, so you made a surprise attack on my loan, am I wrong? "

Of course, the matter is not as serious as he said. After all, except for the large-scale purchases during the final clearance, he only bought a dozen at a time before. Even if he paid the full amount, it would not affect his capital chain, but Negotiation, which one is not exaggerating to death, he is not bad.

As for how he knew? Of course it was a guess, anyway, even if the guess is wrong, it doesn't matter, why not cheat, see, isn't this a scam?

Seeing Chen Yang with a calm face, Zhou Na suddenly felt a little guilty, she quickly forced a smile, and said, "How could it be, Mr. Chen, our bank's management is..."

Before he finished speaking, he saw Chen Yang waving his hand to interrupt, and then continued,

"I don't need to talk about these scenes. Anyway, you are still a big national bank. Although the information channel is not as good as the five big banks, or the few local snakes here, you are not so far behind that you don't know anything about it. Later, the reason why he changed his mind and quickly released the loan was nothing more than knowing the city government’s plan from some special channels, making sure that the market will not be relocated for the time being, and that as the plan is implemented, the shop price will recover and skyrocket, so naturally there will be no any risk,

Yes, your bank has your considerations, and I can understand these. Since you have not had any real impact on me, and the cooperation has been quite pleasant, then I can pretend that nothing happened, but I also have my demands. What you promised at the beginning was to lend at a rate of 120% of the value of the collateral. Now I ask that after the price of the store recovers, the value of the collateral will be re-evaluated and the loan will be added. Is there a problem? "

Looking at Chen Yang who was talking eloquently, at this moment, Zhang Jin seemed to see his father's appearance in the company meeting,

No, it should be said that the aura of my father, a private entrepreneur who went to sea in the 1980s, is not as good as the young man in front of him. God, how did he train himself? My elder sister is already a management genius, and she can be in charge of a company by herself in her twenties, but compared with him, it's worth the money! Especially with this face, it is really handsome!

Facing Chen Yang's questioning, Zhou Na glanced at her best friend at a loss, and then couldn't help being taken aback, when is this, and she is still in a nympho? It's just hopeless!

Forget it, I still rely on myself,

Taking a deep breath, Zhou Na adjusted the expression on her face, looked at Chen Yang and said with a smile, "Mr. Chen, to be honest, I really don't know if what you said is true, after all, we are just a small branch office. Loan officer, there is no chance for us to know about such a high-level matter as you mentioned."

In any case, let's throw the pot out first!

Chen Yang shrugged noncommittally, but his expression improved a lot.

He came here to ask for money, not for anger, as long as his attitude is in place, as for whether the bank will agree or not, he is not worried at all. Is there any reason for the money delivered to the door? Even if they are really dazed and disagree, that's fine. At worst, I'll pay off all the loans in advance and find another bank to mortgage.

Seeing that Chen Yang didn't respond, Zhou Na continued, "Mr. Chen, what do you think of this? Let's go through the procedures for this loan first, and then I will report your appeal. If it is as you said, the market shops The price will rise, and our bank will definitely seek truth from facts, re-evaluate these shops as soon as possible, and increase the loan amount. Moreover, the bank no longer restricts the scope of your funds, and you have the right to freely use funds. In addition, we will Apply to upgrade your customer level in our bank, and strive to maintain a long-term cooperative relationship with you on the most favorable terms, what do you think?"