rebirth of cataclysm

"Mr. Hu, Xiaochen, since now is a good time to invest, have you ever thought about taking out a loan from the bank for investment?" Lin Mingzhen didn't hesitate to ask directly.

When Lin Mingzhen asked, Hu Mingchen and Hu Jianqiang looked at each other knowingly.

"Director Lin, I'm afraid it's not easy to get a loan from your bank." Hu Jianqiang held back his laughter and looked at Lin Mingzhen with wide eyes and asked.

In fact, Lin Mingzhen and Hu Mingchen had already chatted to that extent. When it came to the details of Hu Mingchen's loan, it was natural and logical, and it didn't seem abrupt. Even if Lin Mingzhen didn't mention it, Hu Mingchen almost did.

Yes.

"Uncle Lin, didn't you hear that credit cards and loans are very strict now?" Hu Mingchen asked.

"There is nothing we can do about it. Now the bad debts of major banks have reached a high level, and the accumulated amount is staggering. The country needs to carry out some reforms and adjustments to the financial market. At this juncture, funds need to be expanded."

Come on. This card is very tight, but it’s mine, everything has a degree, and it all depends on man." Lin Mingzhen became proud as he spoke.

Lin Mingzhen wanted to be that person and build a memorial arch. He emphasized so much that he wanted Hu Mingchen and others to remember his kindness, and it was very likely that he would even make some arrangements for kickbacks. He was obviously looking for high-quality customers for loans.

He went out to increase profits, but now he took the initiative to help Hu Mingchen and others with preferential treatment. These people really think.

For this reason, Lin Mingzhen did not mention something in his previous words. He only said that the country should reform and adjust the financial market, but did not say that the country also encouraged financial institutions to actively expand customer resources, especially for high-quality private enterprises.

Provide great help. Lin Mingzhen deliberately concealed this.

Of course, such encouragement has always existed, but during the implementation process, private enterprises, especially private small and medium-sized enterprises, still have the embarrassing phenomenon of difficulty in obtaining funds.

Putting aside economic benefits, this point has a lot to do with the long-standing rigid thinking in the financial system. For decades, banks have mainly served the state-owned economy, and when evaluating and promoting, economic benefits account for a large proportion

The proportion is often ignored, which makes private enterprises mainly rely on private loans to obtain funds.

Of course, although this round of reform and adjustment will not completely reverse the ecology of the banking system, there has been a certain improvement in the availability of loans for medium and large private enterprises, especially in coastal areas.

Liangcheng is an internal resource-based city. The private economy has always been backward, with a low proportion and a lack of backbone private enterprises. Otherwise, companies like Hu Mingchen and others would not have caught Lin Mingzhen's attention.

"Haha, then thank you Uncle Lin first. With your help, our company believes that it will get better and better in the future. When it comes to loans, we can actually borrow or not. Being able to borrow funds is a great benefit to the company.

is a good thing, but it will also bring pressure. On the one hand, interest

The interest rate of commercial loans is not low. On the other hand, the repayment period is too close. If the period is too close and the funds cannot be withdrawn, there will be trouble and it will easily cause the company's capital to be broken." Hu Mingchen did not appear to be very happy, but stopped.

Stop and return to a rational level to think about the problem.

What Hu Mingchen said is no exaggeration. Many companies suffered from this kind of expansion and eventually collapsed because of the break in their capital chain.

State-owned enterprises can say all kinds of things to banks, and banks are unlikely to seize the assets of state-owned enterprises or even force them to close down. But for private enterprises, they tend to be more businesslike.

Lin Mingzhen secretly admired Hu Mingchen's calmness and rationality, unlike some people who immediately got carried away when they heard that they could get funds, and were so happy that they forgot about it, as if the money was given to him and he didn't have to pay it back.

"Short-term loans have the benefits of short-term loans, and long-term loans have the benefits of long-term loans. Short-term loans have low interest rates, while long-term loan interest rates are high. It all depends on your own control and needs." Lin Mingzhen nodded.

Seeing that Hu Mingchen was so shrewd and not as dull as Hu Jianqiang, Lin Mingzhen no longer planned to deceive him, and he himself did not feel confident that he could do so.

"That's true, Uncle Lin, then I would like to ask, if our Xingsheng Exhibition Co., Ltd. applies for a loan from your bank, how much can we borrow?" Hu Mingchen asked.

"When we evaluate the loan limit, we mainly consider three aspects. One is the company's reputation, the other is the company's development and profitability, and the third is the company's asset mortgage. This means that the better the reputation, the more promising the development and profit prospects.

, the richer the asset mortgage, the larger the credit line obtained and the more flexible the term. I don’t know much about your company’s financial situation, but from my intuitive point of view, three to five million should not be a big problem.” Lin

Famous for answering questions in a serious manner.

"Haha, three to five million? Uncle Lin, this amount...isn't it a bit too high?" Hu Mingchen said with a knowing smile and an unnatural expression.

"Why, it's more than three to five million?" Lin Mingzhen frowned and asked.

"Director Lin, it's not too much, it's too little. To be honest, three to five million really can't do much." Hu Jianqiang said from the side.

"Uncle Lin, I'm sorry that I misunderstood you. It is indeed what my uncle said. Three to five million is really very small. Although we have borrowed more than three hundred thousand from your bank in the past, times have changed.

"What can we do with three to five million? Just open two stores, and the renovations can't be too big or too good." Hu Mingchen further apologized.

"Then how much do you want to borrow?" Lin Mingzhen asked solemnly.

"The more the merrier, the more the better. In my opinion, it has to be 100 million or 40 to 50 million. In that case, it would be interesting." Hu Mingchen said boldly.

"One hundred million? Or forty to fifty million? Did I hear correctly?" Lin Ming said in shock.

Not to mention Lin Ming was shocked, even Hu Jianqiang was surprised. They had agreed to tens of thousands, but Hu Mingchen doubled it many times on the spot. Moreover, with such a large amount of money, even if the company borrowed it,

There is no place to spend the money yet, which means the company has no investment plan in this area.

This much money is not child's play. It is absolutely impossible to just borrow money for fun. The annual interest will be millions. You must have investment opportunities and you must make money back.

"Uncle Lin, of course you heard it right, I do think so. Do you think this number is too much?" Hu Mingchen responded seriously, not joking at all.

"More, of course it's a lot, let alone 100 million, even 50 million. In our Liangcheng, no private enterprise has ever borrowed money. Let me tell you this again, the amounts you mentioned are only for large state-owned enterprises.

, such as steel companies, and this number must

It has to be approved by the president. In my impression, except for a loan of 30 million yuan that our bank once gave to a business owner, there is no other big sum. That person still has the relationship with the president, haha, Xiaochen,

What you said is unrealistic." Lin Mingzhen patted the table lightly and said.

"I don't quite understand your operating rules, but I don't think it's unrealistic. Anyway, that's what I said. It's up to you to decide whether to lend us a loan or not. But if it's three to five million, then it's still up to you.

It's better not to borrow money, it really won't work." Hu Mingchen said calmly, not at all annoyed about being shot.

"What kind of project are you going to do? How can you use so much money? To build a real estate community?" Lin Mingzhen asked curiously.

"We currently don't have land to build a residential community. It's hard to say what projects we will invest in specifically. Anyway, the tourism project on the top of the mountain lake needs further investment, and the layout of the city needs to be further expanded. In addition, we also want to invest in the town.

Let's take a look south and see if there are any other business opportunities." Hu Mingchen said vaguely.

Lin Mingzhen also knows that although they will consider and evaluate the borrower's use of funds when lending, and thus evaluate the possibility of recovering the loan. However, in most loan behaviors, this is just a formality, and the company will not disclose its business

Confidential details.

However, Lin Mingzhen felt that Hu Mingchen was a little too perfunctory. He wanted to get such a large loan amount with just a few words. What did he really think of himself?

"Director Lin, is it possible for our company to get a loan of 10 million?" Hu Jianqiang couldn't help but ask.

"It's hard to say, it depends on your asset mortgage situation. As you said, the city, the development project on the top of the mountain lake, it is a bit difficult to use the asset mortgage in the evaluation. The National Street in Duge Township, it is

The actual collateral, I said three to five million, is considered from this aspect. Besides, you only got one loan from our bank before, and the amount was only three hundred thousand, but now it has suddenly increased to thousands.

Wan, this span... is too big." Lin Mingzhen said.

"Uncle Lin, let's not talk about collateral for the moment. I think the amount of loans you lend to private enterprises is too low. We need to make a breakthrough. Moreover, if you want to achieve results, you cannot stick to the rules. Your bank

Isn't it undergoing joint-stock reform and listing for trading? Your bank's bad and bad debts need to be dealt with, but your bank's profitability is still not strong enough. This time

Reform and adjustment will greatly push you to the market. But now the market has demand, but you are stuck. How can you achieve outstanding results like this? Even if you are listed, how can the stock price be good? I learned in the newspaper,

Your bank is preparing for listing from top to bottom. At this point in time, it is necessary to make some noise in action." Hu Mingchen said attentively.