EG :: Volume #2

#156: Loan

LNMTL needs user funding to survive Read More

President Zhu in ICBC finally saw Feng Yu today, meets he to hurry to ask, Taihua is Corporation the plan trades Corporation account bank? 工行的朱行长今天终于见到了冯宇,一见面他就赶紧问道,难道泰华公司是打算换一个公司账户银行吗？ Feng Yu explained one, Corporation because of some investments, therefore transferred some money in other bank, but the Corporation account or the ICBC, this will not replace. 冯宇解释了一句,公司因为有一些投资,所以转了一些钱在别的银行,但公司账户还是工行的,这点不会更换。 These words have settled the heart of President Zhu, he is at the critical phase now, Taihua Corporation every month so many rubles US dollar and Hong Kong dollar running water, this is his big achievements. 这句话安了朱行长的心,他现在正处于关键阶段,泰华公司每个月有那么多的卢布美元和港币的流水,这是他的一大笔政绩啊。 But light depends on this achievements to be insufficient, now the country cuts the interest rate, spends for the exciting people, therefore the bank main evaluation criteria turned into making loans from absorbing depositors'funds. 只不过光靠这个政绩还不够,现在国家降息,就是为了刺激人们消费,所以银行的主要考核指标从吸储变成了放贷。 Absorbs depositors'funds this aspect, President Zhu leads absolutely, the province first branch, second to none, but makes loans this aspect, President Zhu does actually not much, in the branch of province in the rank, this wants to be promoted to him, particularly thinks that one step arrives at the wish of provincial bank vice president position is very big resistance. 吸储这方面,朱行长绝对是遥遥领先,全省第一分行,无出其右,但是放贷这方面,朱行长做的却不怎么样,在全省的分行里面排名中下,这对他想要升职,尤其是想一步到省行副行长位置的心愿是很大的阻力。 President Zhu also thinks Feng Yu chats the matter that draws money with him, but Feng Yu said that this matter, started to inquire the procedure of loan unexpectedly. 朱行长原本还以为冯宇是跟他聊聊取款的事儿呢,但冯宇说完了这事儿,居然开始询问贷款的手续。 Does not have the means that which Feng Yu remembers that at this time loaned needs any procedure, but was definitely more tedious than the later generation is right. 没办法,冯宇哪儿记得这时候贷款都需要什么手续啊,但肯定比后世繁琐就对了。 President Zhu eye one bright, Taihua can Corporation loan? This may be good, you want to loan many me to give you to loan many, so long as I can take responsibility 朱行长眼睛一亮,泰华公司要贷款？这可太好了,你想贷多少我就给你贷多少,只要我能做主 President Zhu even hopes that Feng Yu can loan the astronomical figures, in any case by Taihua Corporation and machinery Corporation income as the mortgage on the line, did not fear that he cannot return. 朱行长甚至希望冯宇能贷个天文数字,反正以泰华公司和机械公司的收益作为抵押就行,不怕他还不上。 Feng Yu saw that President Zhu heard the loan so to be warm, has thought under also understood. Now the country encourages the loan, encourages to spend, then the city ICBC definitely has shouldered many duties? 冯宇看到朱行长听到贷款就如此热情,想了下也就明白了。现在国家鼓励贷款,鼓励消费,那么市工行肯定又背负了不少任务吧？ Feng Yu is hoping that can loan, these money all invest into stockmarket, two years later he can do many matters. 冯宇正希望能多贷款呢,这些钱全部投入到股市中去,两年后他能做多少事啊。 „President Zhu, by our Corporation funded position, does not need to loan actually normally. Corporation recently big services, therefore planned that the short-term loans a point, does this rate on loan calculate? How long is the repayments time? How does return the law?” “朱行长,其实以我们公司的资金情况,按说是不需要贷款的。只是公司最近有一笔大业务,所以才打算短期贷一点,这个贷款利率怎么算？还款期是多长时间？怎么个还法？” President Zhu busy warm introduced to Feng Yu that the rate on loan definitely is lowest, guarantees the city, no and ensure the province has not compared this lower interest rate. Repayments time three years of what kind, first two years only returns the interest, the third year principal and interest pays off together, doesn't have the pressure to you? 朱行长忙热情的给冯宇介绍,贷款利率肯定是最低,保证全市,不,保证全省没有比这个更低的利率。还款期三年怎么样,前两年只还利息,第三年本息一起还清,对你没压力吧？ Feng Yu secretly rejoices at heart, this is he thinks. Although the humidifier profit still in the continuous production, machinery Corporation also draws bonus each quarter, but Feng Yu has not planned ahead of time the repayments, three years were just good, the stock should also throw at that time, the fund early re-steamed. 冯宇心里暗喜,这正是他所想的。虽然加湿器利润还在源源不断的产生,机械公司每个季度也都有分红,但冯宇可没打算提前还款,三年时间刚刚好,股票那时候也该抛出去了,资金早已经回笼。 „Does President Zhu, how much money you plan to lend me Corporation?” “朱行长,那你打算贷给我公司多少钱？” „At the machinery Corporation stock as the mortgage words, can lend you 1200 rmb, if at the TaiHua Company's property and income as the mortgage, can lend you 10 million rmb. Wind & Rain Logistics can loan 2 million, that pig farm that you said can loan 500,000.” President Zhu was yelling that mortgages to give us, mortgages to us loans “以机械公司的股份作为抵押的话,可以贷给你们1200rmb,如果以泰华公司的资产及收益作为抵押的话,可以贷给你们10000000rmb。风雨物流可以贷款2000000,你说的那个养猪场都可以贷款500000。”朱行长心里在大叫,都抵押给我们,都抵押给我们贷款啊 „President Zhu, is not right, the machinery Corporation stock market value about 12 million, you lend us this number to be reasonable now. However Taihua can Corporation the value 10 million? Taihua Corporation has the Wind & Rain Brand trademark, the trade to Su, the running water several million rubles, how to give the loan such to select every month?” “朱行长,不对吧,机械公司的股份市值现在12000000左右,你贷给我们这个数还算合理。但是泰华公司怎么才能值10000000？泰华公司拥有风雨牌的商标,还有对苏的贸易,每个月流水几百万卢布,怎么才给贷这么点？” Does President Zhu stare the big eye, Feng Yu wants to loan unexpectedly? Good, you thought few, does not have the issue, how many do you want to loan? 朱行长瞪大眼睛,冯宇居然想要多贷款？太好了,你觉得少,没问题,你想贷多少？ „Chief Feng, you thought that appropriately how many loans?” “冯总,那你觉得贷多少合适？” „The machinery Corporation stock and TaiHua Company's complete property and income as the mortgage, I hope that can lend out 40 million rmb, as for Wind & Rain Logistics, I thinks that should be able to loan 4 million rmb, we are 80 gas car, is also unworthy 50,000?” “机械公司的股份和泰华公司的全部资产及收益作为抵押,我希望能贷出来40000000rmb,至于风雨物流,我认为应该能贷4000000rmb,我们可是有80辆嘎斯汽车呢,一辆还不值50000块吗？” Un, although he buys a money of car(riage) truly not to have 50,000, but this car(riage) now on value price 嗯,虽然他买一辆车的钱确实没有50000块,但这车现在就值这个价 President Zhu has not said anything, Li Shiqiang stares the big eye to look at Feng Yu. What gadget, do you make me loan 4 million? This...... Did this also too take risk? One year of interest is not the small number 朱行长还没说什么呢,李世强就瞪大眼睛看着冯宇。啥玩意儿,你让我贷款4000000？这……这也太冒险了吧？一年的利息就不是小数目 Li Shiqiang thought that buys this stock with own money completely suffices to toss about, Feng Yu must loan unexpectedly. You loan loan, must draw me. Good, I comply also to loan count money, but you have not told me to loan these many. If cannot return, this logistics Corporation did turn over to bank? 李世强觉得用自己的钱全部买这个股票就够折腾的了,冯宇居然还要贷款。你贷款就贷款吧,非要拉着我。好嘛,我答应也跟着贷一点款,可是你没告诉我要贷这么多啊。要是还不上,这物流公司岂不是就归银行了？ Feng Yu has patted brother-in-law's leg quietly, making him be patient. I said that opens the hospital to the elder sister, you said you to come, I said that must expand crazily, your hands tied feet tied, this logistics Corporation present development speed, wants a nice hospital, 35 years also not necessarily suffice. 冯宇悄悄拍了拍姐夫的腿,让他稍安勿躁。我说给姐姐开医院,你非说你来,我说要疯狂扩张,你束手束脚,就这物流公司现在的发展速度,想要开一家像样的医院,35年也未必够。 The investment stock was different, two years, several times of profits, the Li Shiqiang net worth will rise suddenly to several million, when the time comes let alone invests a hospital, is invests several not to have the issue 投资股票就不同了,两年时间,几倍的利润,李世强的身家会暴涨到几千万,到时候别说投资一家医院,就是投资几家都没问题 President Zhu the sound is shivering asking: „You said how many can loan? 40 million?” 朱行长声音颤抖着问道:“你说要贷多少？40000000？” „Is 44 million.” “是44000000。” President Zhu breath shortness, ha, has become, has become, should father win a promotion. This year's duty also missed 15 million, had this 44 million, overfulfills, the absolute province first, whom amn't I promoted to be promoted? 朱行长呼吸急促,哈哈哈,成了,成了,合该老子升官。今年的任务本来还差15000000,有了这44000000,超额完成,绝对全省第一,我不升职谁升职？ „This I try to find solution, 44 million, do not have issue” somewhat contrary place, President Zhu planned that looks for leadership personally, must make loans to Taihua Corporation, let alone is Bing City, even if to the duty of province, can finish ahead of schedule, does not believe leadership not to move “这个我来想办法,44000000是吧,没问题”其中就算有些违规的地方,朱行长打算亲自去找领导,一定要给泰华公司放贷,别说是冰城,就算对全省的任务来说,都能提前完成了,就不信领导不动心 Feng Yu looked that President Zhu is so good to speak , to continue saying: „I also had an antique, the Xuande of Ming furnace, true treasure, in world also few. A Hong Kong rich merchant planned that flowered 8 million purchases, I should not be many, at this treasure as the mortgage, loans 6 million, altogether 50 million” 冯宇一看朱行长如此好说话,继续说道:“我还有一件古董,大明宣德炉,真正的宝贝,世界上也没有几件。一个香江富商打算花8000000购买,我也不要多,以这件宝贝作为抵押,贷款6000000,一共50000000” ~~~ 啧~~~ President Zhu could not bear suck the tongue, eyebrow also twists the Sichuan character. The antique loan, in the province does not have this precedent. 朱行长忍不住咂舌,眉毛也拧成了川字。古董贷款,省里没有这个先例啊。 Normally is any valuable goods can mortgage, but the price of this antique, has no way to appraise. Feng Yu said some people of flowered 8 million purchases, but there is a possibility 800,000 unable to sell. 按说是凡是有价的物品都能抵押,可这古董的价格,没法评估啊。冯宇说有人花8000000购买,但有可能800000都卖不出去。 „Chief Feng, antique thing, is not quite fond of playing jokes. The concrete measurables, are very not difficult to operate.” President Zhu looks saying of embarrassment. “冯总,古董这个东西,不太好弄啊。没有具体的衡量标准,很难操作。”朱行长面露难色的说道。 Feng Yu looks at President Zhu: „Is very difficult? Has not related, we go to Construction Bank loan, credit unit Director Liu in Construction Bank Provincial bank relate well with my father, I think that I use these many properties as the mortgage, 50 million can lend out.” 冯宇看着朱行长:“很难吗？没关系,那我们去建行贷款,建行省行的信贷部刘主任跟我父亲关系不错,我想我用这么多资产作为抵押,50000000还是能贷出来的。” President Zhu sees Feng Yu to stand, holds on the hand of Feng Yu hastily: „Chief Feng, Chief Feng, wait a bit, waits a bit, we cooperated for a long time, haven't you believed me? I telephone, telephone.” 朱行长看到冯宇站起来,连忙拉住冯宇的手:“冯总,冯总,稍等,稍等一下,咱们合作这么长时间了,你还不相信我吗？我打个电话,打个电话。” For merit, to be promoted, spelled 为了功绩,为了升职,拼了 President Zhu exits, Li Shiqiang cannot bear ask: „Xiao Yu, can you loan these much money? If cannot return, what to do this can?” 朱行长出去,李世强忍不住问道:“小宇,你怎么要贷这么多钱？万一还不上,这可怎么办？” Feng Yu self-confident looks at Li Shiqiang: „Brother-in-law, you could rest assured that this money can definitely return. Said only overseas sale of humidifier, you know how many profits this year can bring to Taihua Corporation? 10 million, US dollar next year after next will be more, therefore this you do not need to be worried unable to return absolutely. We must occupy the situation now, sweeps stockmarket, perhaps when at the end of the year, has more than enough the end of the year, when October time, you can notice that we started to make money” 冯宇自信的看着李世强:“姐夫,你放心,这钱肯定能还上。单说加湿器的海外销售,你知道今年能给泰华公司带来多少利润吗？10000000,美元明年后年还会更多,所以这个你绝对不用担心还不上。我们现在是要占据先机,扫荡股市,等到年底,或许用不了年底,等到十月份的时候,你就能看到我们开始赚钱了” Feng Yu they can sweep stockmarket of two cities, can definitely lead soaring of stockmarket ahead of time, draws the bulk lots 冯宇他们能扫荡两个市的股市,肯定能提前带动股市的腾飞,拉动大盘 Li Shiqiang also wants to say anything, President Zhu came back, excited said to Feng Yu: „50 million, our city ICBC and labor saving line jointly lends you” ~~ today looks at the stock, the complete stop, the fourth child was insane, I want to go to excrement thanks ghost Wuhai University emperor I to think that my very good snake ~ hitting enjoyed, thank you, the fourth child had the comfort slightly. 李世强还想说什么呢,朱行长回来了,兴奋的对冯宇说道:“50000000,我们市工行和省工行联合贷给你”~~今天一看股票,全部跌停,老四疯了唉,我想去屎感谢鬼武大帝我想我很好蛇~的打赏,谢谢你们,老四稍稍有了安慰。 ... ...
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