Reborn Xiangjiang Tycoon Growth

Chapter 1861 Taking advantage of the east wind

Author: An An’s life

Chapter 1861 Taking advantage of the east wind

As for Sister Zhao, she went straight to the bank; the merchants in Zhongguancun know each other very well! They all belong to the kind of owners who don't let go of rabbits and don't let go of hawks. People will not agree with empty words! Therefore, I want everyone to believe that money must be put aside.

Come in front of me; otherwise no one will buy it.

Sister Zhao has never doubted her husband's judgment. Although she may not be very good at doing business, she can't match her layout and vision. And she knows very well that even if Bao Zixuan hadn't come forward, Zhongguancun would have developed greatly.

;Market size and sales cannot fool people.

But it was destined to disappoint her. The major banks did not recognize Sister Zhao’s assets very much; even if they provided bank statements, they could not impress her. Before, she felt that a loan of 10 million from the bank would not be a problem, but the reality was a slap in the face;

The bank I often cooperate with is only willing to provide a loan of 5 million yuan; only half of the expected amount.

She had already boasted about Haikou in front of her husband before; she must not slip up at the critical moment. Although Sister Zhao is not highly educated, she is also a resolute boss; since the bank she cooperated with could not get approval, she naturally had to find another way.

The project is developed by Bao Zixuan, and I heard that Heiyun Bank has a good reputation; I just didn't have the opportunity to cooperate before, or I was a bit repelled by instinct.

Private banks have never been so safe; you must know that people have suffered greatly from it before. If it were not for petty gains, the Zhao family's family business would definitely be more than what it is now.

At present, there is no other way, and Heiyun Bank is Bao Zixuan's property; in the past, even if the bank had problems with loans, the losses would not be huge. With the mentality of giving it a try, Sister Zhao came to Heiyun Bank Kyoto Branch.

As soon as I entered, I felt very comfortable; at least in terms of decoration style, Heiyun Bank is much better than any domestic bank.

There was a dedicated service staff at the door, who smiled and said: "Hello, madam! Welcome to Heiyun Bank, we are happy to serve you!"

The service attitude is impeccable; Yuan Tianfan cares very much about customer experience, so he is very strict in the training and management of bank personnel.

The staff of Heiyun Bank want to be promoted; the prerequisite is that there are no customer complaints. Of course, depositors who make trouble unreasonably will be investigated clearly; employees will never be asked to compromise and suffer the slightest harm.

Sister Zhao was also flattered. She did not expect that the service attitude of Heiyun Bank would be so good; it was simply beyond imagination. There is no harm without comparison. It seems that Bao Zixuan understands what customers need.

The more capable a person is, the more low-key he is; he devotes himself to serving customers. Maybe this is the reason why he can become the richest man in the world.

It can only be said that Yuan Tianfan's contribution has been wiped out; after all, many people don't know the president of Heiyun Bank, who made the boss so famous; he completely covered up the sharpness of his subordinates!

Sister Zhao smiled and said: "Hello, little girl! I'm here to handle the loan business. I don't know what procedures are required."

The staff was surprised to hear that they were here to apply for loans; after all, in this era, not many people come to apply for loans; and even fewer people can find Heiyun Bank.

He looks well-dressed and has an extraordinary temperament, so he shouldn't be the one making trouble unreasonably.

The staff of Heiyun Bank smiled and said: "Madam, if it is a loan, we need to evaluate your assets; and then conduct a comprehensive analysis of the use of funds to determine the final amount."

It's reasonable. After all, if you want to get a loan from a bank, people must know something about your situation and what it is used for. They should also know.

Sister Zhao: "I have brought all the information. How do I need to handle it?"

It seemed that the other party was well prepared. The staff took Sister Zhao directly to the asset appraisal room. There were the most professional analysts there who would make an overall assessment of Sister Zhao's assets. After the receptionist poured Sister Zhao a cup of coffee, she introduced

After finishing the relevant situation, leave directly.

After looking at the real estate and bank statements, the appraiser smiled and said: "Ms. Zhao, I want to know what you are going to do with the loan."

The use of funds must be made clear; in case of illegal and criminal activities, the bank must also bear the responsibility.

Sister Zhao: "Yesterday, Kyoto City staff came to the store to ask for opinions. Mr. Bao Zixuan of Heiyun Group is going to carry out an overall renovation of Zhongguancun; he hopes to move them all out. Temporary stalls will be opened in the precision instrument factory for everyone to use."

"The compensation package is very good. Not only can it be replaced, but it can also be used to purchase part of the store. I want to expand the store business; I urgently need funds."

Hearing this, the appraiser immediately understood what it meant; it was no secret that the boss went to Zhongguancun yesterday.

I have been working in Heiyun Group for a long time, and my boss has no hobby of hanging out. Naturally, he is optimistic about the future development of Zhongguancun, and it may also be an opportunity for Heiyun Bank.

Since it entered the mainland, it has not been as good as expected; people instinctively reject it when they hear it is a private bank. With the help of Pudong development, the Shanghai branch has increased its business volume rapidly. The Kyoto branch can fully rely on the development of Zhongguancun to let depositors trust the bank

There is instinctive trust.

The asset appraiser said very seriously: "I'm very sorry to keep you waiting; according to the comprehensive evaluation, the maximum loan amount you can apply for with our bank is US$10 million."

"In addition, we can also apply for a US$100,000 credit card for you, which can be used when you go to Hong Kong or abroad in the future; it can also be used wherever credit cards are accepted."

When she heard that it was 10 million US dollars, Sister Zhao couldn't believe her ears.

Domestic banks are willing to lend up to 5 million Huaxia coins, but Black Cloud Bank is actually willing to lend 10 million US dollars. Isn’t the difference a bit big? You won’t encounter scammers!

But it doesn't look like it, after all, she took the money from the bank; the loss will definitely not be hers.

As for credit cards, I’ve heard of them before; but I haven’t used them. Most foreigners have a maximum credit limit of 10,000 US dollars, and 100,000 US dollars is not too much.

Sister Zhao said with excitement: "You are not mistaken!"

According to Sister Zhao's current asset analysis, a loan of US$3 million is already the limit; but considering that the boss wants to develop Zhongguancun, even if the loan is US$10 million, the bank does not have to worry about not being able to collect it back. The shops are there, and they cannot be used privately through Heiyun Group.

The deal was huge.

In addition, it also means to set a benchmark, and wants to start business quickly; naturally, some measures must be taken. The identity of the other party is very suitable, a merchant in Zhongguancun, and the bank flow is very good; in addition, there are several properties mortgaged. It is also developed by the purchase of Heiyun Group

For commodities, you don’t have to worry even if you release a large amount.

The appraiser said very seriously: "Madam, I am a bank employee and I am talking to you on behalf of Heiyun Bank. Naturally, I will not joke about the bank's reputation. The limit of 10 million US dollars is a comprehensive consideration."

Hearing this, Sister Zhao was very embarrassed; for such a big bank, the service is very professional, how could it be possible for her to be beaten?

As for bank interest, he had not thought of it; overall, it was very appropriate.

Sister Zhao: "When will the loan be available soon?"

The appraiser smiled and said: "If necessary, you can do it at any time."

"But I advise you not to use up the limit at once, otherwise you will have to pay a lot of interest."

"We will open a credit account for you with a total limit of 10 million U.S. dollars; then you can get your checkbook and all the payments you need to make can be paid through Black Cloud Bank."

"Anyone holding a check with endorsement will be issued by the bank; it is guaranteed not to be delayed for a second. The interest will also be calculated based on the time of disbursement, which can save a lot."

Thinking about customers at all times is the service tenet of Heiyun Bank.

Sister Zhao thought for a moment and said: "What if I want to transfer the loan to another bank account!"

The appraiser smiled and said: "This is your freedom. The core principle of the bank is to serve customers well; besides, since interest has been earned, you cannot actively interfere in any decisions of customers."

Unexpectedly, there is such an operation. Sister Zhao was very satisfied; she smiled and said: "Then what procedures need to be completed?"

Appraiser: "Save the property certificate in the bank and prohibit the sale during the loan period. In addition, you need to fill in a few forms, which is very simple."

Black Cloud Bank will try to simplify procedures as much as possible to improve work efficiency to a certain extent.

After Sister Zhao left Heiyun Bank, her head was still a little dazed. If it weren't for the checkbook in her hand, she would have thought it was just a dream.

But the check book and the loan authorization contract are real; although I don’t know why Heiyun Bank is so optimistic about her. I have food in hand and don’t panic; I can implement it according to the original plan!

(End of chapter)