BC :: Volume #6

#528: The evil clutches of bank

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Originally the idea of Lynch is to pick up the speed, purchases these factories. 本来林奇的想法是加快速度,收购那些工厂。 These factories are also the burden in many eyes, but Lynch did not think that this is the burden, what is opposite was he had found with these factories for the method that he made money. 这些工厂在很多人眼里还属于累赘,但林奇并不觉得这是累赘,相反的是他已经找到了用这些工厂为他赚钱的方法。 Sometimes the capitalist......, the capitalists do not have Mr. forest is good at this type „money changing money” the game, is the person in his domain to understand how with 100 dollars, to satisfy the satisfactions of more people's to having 100 dollars and longs. 有时候资本家……不,资本家都没有林老爷擅长这种“钱换钱”的游戏,只有属于他这个领域内的人才能明白,如何用一百块钱,满足更多人对拥有一百块钱的满足和渴望。 Although he cannot inspect these manufacturing divisions these days on the spot, but he can first investigate. 虽然这段时间里他不能实地的考察那些工厂企业,但他可以先做调查。 In the morning, after saying goodbye to Vila, Lynch went to the Sabine City branch of gold exchange company directly, this is the city first-level subordinate bank, is not that subbranch on each street. 早上,告别了薇菈之后林奇直接去了金汇公司的塞宾市分行,这是属于城市一级的直属银行,不是各个街道上的那种支行。 The bank managers received Lynch personally, but Lynch now the Golden Exchange Bank super client, he rank in bank had been enhanced under the rank of being next to the board of directors leading members, is the third gear. 银行行长亲自接到了林奇,林奇现在可是金汇银行的大客户,他在银行内的等级已经被提高到了仅次于董事会主要成员的等级之下,属于第三档。 Branch the status rank of president's from bank, does not have Lynch to be high, therefore he welcomed beside the bank on own initiative. 分行的行长从银行内部的身份等级上来说,都没有林奇高,所以他主动迎到了银行之外。 When the Lynch motorcade anchors slowly in the roadside, the bank managers for him who in the cold wind trembles pull open that moment of vehicle door personally, when the passers-by and bank workers surprised and even strongly envy the vision that the envy hates on him, Lynch as if heard the aspirations of these people. 当林奇的车队缓缓停靠在路边,银行行长在寒风中瑟瑟发抖的亲自为他拉开车门的那一刻,当路人以及银行员工惊讶乃至羡慕嫉妒恨的目光集中在他身上的时候,林奇仿佛听见了这些人的心声。 „Rich, real his mother is good!” “有钱,真他妈好！” „I do not know that you personally meet me originally, otherwise I will certainly not make this phone call.” “我不知道你会亲自来接我,不然我一定不会打这个电话。” From car(riage) Lynch cast off the glove on hand, revealed the pleasantly warm soft, fair and healthy-looking right hand, when he puts out a hand the bank managers then shook his hand. 从车中出来的林奇摘掉了手上的手套,露出了温软柔软,白里透红的右手,他伸出手时银行行长这才握上了他的手。 Perhaps does not want by oneself icy cold hand that and hardens to Lynch taking away poor experience, he also initiative loosened the hand, the smile on face could not detect that he soon frozen stiff fact, was red is passing a share of azure, that was azure who froze, „this was I should do, the state line and the general headquarters issued the document, thanked Mr. Lynch you to render the assistance of gold exchange in Nagat Leir that side.” 也许是不想让自己冰凉的且发硬的手给林奇带去不怎么好的体验,他还主动的松开了手,脸上的笑容根本察觉不出他快要冻僵的事实,红里透着一股青,那是冻出来的青,“这是我应该做的,州行和总行都下达了文件,感谢林奇先生你在纳加利尔那边给予金汇的帮助。” Lynch is not stands in Nagat Leir issue in gold exchange here Union development company executive only, but the bank cannot, because he is not only, downplays this matter, that will queer. 林奇并不是唯一在纳加利尔问题上站在金汇这边的联合开发公司高层,但银行不能因为他不是唯一的,就把这件事淡化下去,那会得罪人。 Therefore their interior not only enhanced the rank of Lynch, and also has really issued the document, on the one hand is tells everyone the gold exchange to stand firm in Nagat Leir, the business volume unprecedented enhancement, making some have the opportunity to go, but hesitant the person regret broke the intestines, on the other hand also mentioned Lynch these people to render the assistance of bank. 所以他们内部不仅提高了林奇的等级,并且还真的下发过文件,一方面是告诉大家金汇已经在纳加利尔站稳了脚跟,业务量史无前例的提高,让一些本来有机会去,但是犹豫了的人悔断了肠子,另外一方面也提及了林奇这些人给予银行的帮助。 Cultivated the behavior to achieve in this, far ultra many people. 做人做到了这份上,已经远超很多人了。 „We went to say, outside was too cold.”, Lynch patted the racket on his arm, the president expresses the support immediately. “我们进去说,外面太冷了。”,林奇在他的胳膊上拍了拍,行长立刻表示了赞同。 Two people entered in the bank abreast in row, enters that flash of bank in the Lynch footsteps, almost his vision everywhere one visit all staff stop the work in hand, and stood, visits him. 两人并排走进了银行里,在林奇的脚步进入银行的那一瞬间,几乎他目光所到之处所有的工作人员都停下手中的工作,并且站了起来,看着他。 This also causes perplexed some are handling person also following of business to stand ignorant in the bank, is also thinking at heart met these people passed by here time by some chance, can study the people in bank to bow what? 这也导致一些不明所以的正在银行办理业务的人也懵懵懂懂的跟着站起来了,心里还想着等会那些人万一路过这边的时候,是不是也要学着银行的人鞠个躬什么的？ Is good has not puzzled everyone is too long because of this matter, the president brings Lynch to enter the president special-purpose elevator to go upstairs directly, regional money shops, the state line, in certain aspects is the upward learn/study, for example some usually do not give the elevator that the average person uses. 好在这种事情并没有困扰大家太久,行长直接带着林奇进入行长专用的电梯上了楼,各地的银行分行,州行,在某些方面一直是向上学习的,比如说有些平时不给普通人用的电梯。 After entering in the warm room, the situation of president as if relaxes much, the complexion also returned to normal, he was Lynch carries one cup of coffee personally, then sat in the Lynch side, „was Mr. Lynch, what having the gold exchange can work for you?” 进入温暖的房间里之后,行长的情况似乎缓和不少,脸色也恢复了正常,他亲自为林奇端来了一杯咖啡,然后坐在了林奇的身边,“林奇先生,有什么是金汇能为你效劳的？” He not with „me”, or „the Sabine City branch”, used „gold exchange” directly this name, because he and local branch could not represent the attitude of entire bank. 他没有用“我”,或者“塞宾市分行”,直接用了“金汇”这个名字,因为他和地区分行根本代表不了整个银行的态度。 Lynch very direct regarding the goal of his trip, „I hopes that can pull and read the funds and debt situations of some enterprises......” 林奇很直接的谈起他此行的目的,“我希望能调阅一些企业的资金和债务情况……” The bank managers gawked, an operating condition in enterprise, the debt situation, is the asset situation, in any case rich with the enterprise has the situation of relations, three organizations will do to file simultaneously. 银行行长愣了一下,一个企业的经营情况,债务情况,资产情况,反正和企业有没有钱有关系的情况,有三个机构会同时做备案。 First is a bank, makes the enterprise unable to leave the support of bank, no matter other deposit remittance finance relevant operations, cannot leave the bank. 第一个就是银行,做企业离不开银行的支持,不管是存款汇款还是其他金融相关业务,都离不开银行。 The second organization is the tax bureau, an enterprise has many accounts, in the account has how much money, many debts, the nature of each sum of money is anything, no one is clearer than them. 第二个机构就是税务局,一家企业有多少账户,账上有多少钱,有多少负债,每一笔钱的性质是什么,没有人比他们更清楚。 The third organization is the social service bureau of place nature, the social service bureau is responsible for the registration of enterprise and continues saves the information, included certainly, but not many operating conditions. 第三个机构就是地方性质的社会服务局,社会服务局负责企业的登记和续存信息,其中也包括了一定,但不多的经营情况。 These information on own initiative are not public to the society, does not support individual consult, after all related to many enterprise very secret issues, had the corresponding bill to support three organizations in the federation to these information securities, until having when necessary, after the agreement of disputing party, limited is public to the public. 这些信息都是不主动对社会公开,也不支持个人查阅的,毕竟涉及到了很多企业非常机密的问题,在联邦也有相应的法案支持三个机构对这些信息保密,直到有必要时,经过当事方的同意后,有限度的对公众公开。 Like the Lynch such scarlet fruits said that must consult the funds and debts of these enterprises, the first time that to be honest the president bumps into, he heard before then has not heard. 像林奇这么赤果果的说要查阅这些企业的资金和债务,老实说还是行长碰到的第一次,在这之前他连听说都没有听说过。 „This does not conform to the custom probably......”, the bank managers smile bitterly to explain, „in line has the stipulation, these are the non- public to find the information, needs to apply for the administrative order upwardly, in a short time could not reply, moreover we also need to inform the heads in these enterprises.” “这个好像不太符合规矩……”,银行行长苦笑着解释起来,“行里有规定,这些属于非公众查阅信息,需要向上申请行政命令,短时间里批复不了,而且我们还需要通知那些企业的负责人。” Lynch does not care actually, „you can call to ask, but please believe me, hits this to telephone, instead might as well with show me these documents.” 林奇倒是不在意,“你可以打个电话问问,但请相信我,打这通电话,反而不如把那些文件拿给我看看。” President hesitant, he can understand the Lynch words, he thought that some did not gather the custom the issue he to respond, but above person what to do? 行长犹豫了起来,他能听懂林奇的话,他觉得有些不合规矩的问题他反应了上去,但上面的人怎么办？ Person who in the state line cannot take responsibility, they must continue to respond upwardly, finally they because does not have the matter of stake to toss about a long time with them, tossed about, the merit their, has not instead been possible to be thought the insufficient adjustment by the above person. 州行里也不都是能做主的人,他们也要继续向上反应,最终他们会因为和他们没有利害关系的事情折腾很长一段时间,折腾好了,功劳没有他们的,反而有可能会被上面的人认为不够变通。 Does not toss about well, as first person who contacts this matter to report, might bear a grudge by Lynch, or was thought by the following president is incompetent, therefore this matter will report is not good, will not report is not good, the Lynch words will make the president fall into to the dilemma. 折腾不好,作为第一个接触到这个事情申报的人,有可能会被林奇记恨,或者被下面的行长认为是无能,所以这种事汇报也不好,不汇报也不好,林奇的话让行长陷入到两难当中。 „Is only some common enterprises, after I purchased them, they were my, I consulted the fund and debt situation of our company ahead of time, should not have the issue?” “只是一些不起眼的企业,等我收购了它们之后,它们就是我的了,我提前查阅一下我自己公司的资金和债务情况,应该没有问题吧？” The Lynch words and his attitude are not aggressive, instead probably is discussing was saying, but the president can feel that in this seemingly temperate back is a strength. 林奇的话和他的态度并不咄咄逼人,反而像是在商量着说,可行长能感觉到在这看似温和的背后是一种强硬。 He was pondering, Lynch has not disturbed him, probably less than half minute of after past, he sighs, „hopes that Mr. Lynch do not tell others this matter, this really does not conform to the custom!” 他在思考,林奇也没有打扰他,大概小半分钟过去之后,他叹了一口气,“希望林奇先生不要把这件事告诉其他人,这真的不太符合规矩！” Did not conform to matter over and over reiteration of custom is not it really violated the principles of certain people, but after was the president at this time already has made the decision, is emphasizing own function. 一个不符合规矩的事情再三的重申并不是它真的违背了某些人的原则,而是行长此时已经做出了决定之后,在强调自己的作用性。 Lynch nods slightly, „I know that changes a person to be not necessarily able to understand these meanings that I said that thanked your coordination in brief very much......” 林奇微微颔首,“我知道换一个人未必能理解我说的这些意思,总之很感谢你的配合……” Soon, the president took some documents personally to Lynch, these are Lynch request the files of enterprise, inside records these enterprises in bank's deposit to the government accounts indoors, the fund flows, has the debt, has mortgage and other situations. 不多时,行长亲自去取了一些文件给林奇,这些都是林奇要求的企业的档案,里面记录着这些企业在银行对公账户内的存款,资金流向,是否有债务,是否有抵押等情况。 If they from the bank loan, the quota of loan were more, these information were also more detailed, the bank will never put in itself the dangerous place, when they appraised an enterprise's current condition may be unable to pay off the loan, they before the enterprise will further lose money is unable to repay the loan to the court file the charge, the request enterprise ahead of time return the debt. 如果他们从银行贷款了,贷款的额度越多,这些信息也就越详细,银行永远都不会把自己置于危险的地方,当他们评估一个企业目前的状况有可能无法还清贷款时,他们就会在企业进一步亏损无法偿还贷款之前向法院提起诉讼,要求企业提前归还欠款。 Actually this is perfectly does not conform to the lending contract, does not expire, why to make people return money to the bank, most people possibly think, but the bank also has the means of bank. 其实这是非常不符合借贷合同的,不到期,凭什么让人把钱归还给银行,大多数人可能都这么想,但银行也有银行的办法。 In the process of loan, the bank will mention the issue of some most foundation to the enterprise, these issues will also be input the material even are in the contracts, including one is „, if the bank agreed that your loan, you planned where uses this sum of money”. 在贷款的过程中,银行会向企业提及一些最基础的问题,这些问题也会被录入资料甚至是合同里,其中有一条是“如果银行同意你的贷款,你打算把这笔钱用在什么地方”。 Most people will say, I will be used to purchase raw material / to purchase new machinery / to construct the new assembly line...... wait wait/etc. etc., at this time these replies become the bank to demand payment the simplest reason- you have not lent your money the bank, uses in use that in you indicate to the bank, was you first violated the contract, therefore the bank was well-founded, there is a power ahead of time the press for payment. 大多数人会说,我会用来购买原材料/购买新的机械/兴建新的流水线……等等等等,此时这些回答成为了银行催债最简单的理由-你没有把银行借给你的钱,用在你向银行表述的用途上,是你先违反了合同,所以银行有理由,也有权力提前催缴。 Very damn, damn, if enterprise appeal, and proposed the countersuit, the bank only asked that an issue made people unable to reply- how you showed that you permitted expense the expense in category in the non- loan contract, was not part in loan, made many people have a headache sufficiently. 是不是很操蛋,更操蛋的如果企业抗诉,并且提出反诉,银行只问一个问题就让人无法回答-你如何证明你在非贷款合同允许消费的范畴内的消费,不属于贷款中的一部分,就足以让很多人头疼。 But they wanted certificate to be easy, we were the banks, we know what you used borrows the money, was your own money. 而他们想要证明这一条就非常容易了,我们就是银行,我们知道你用的是借的钱,还是你自己的钱。 Therefore Lynch will find these information to the bank, rather than tax bureau, or social service bureau. 所以林奇才会到银行来查阅这些信息,而不是税务局,或者社会服务局。 „Thanked your understanding and help......”, Lynch expressed an own gratitude, focused on these documents. “非常感谢你的理解和帮助……”,林奇表达了一下自己的谢意,就把注意力放在这些文件上。 These enterprises are some small-scale daily necessities manufacturers, some probably troughs, barrels and pot and so on and people live the factory that is closely linked. 这些企业都是一些小型的日用品生产厂商,像是一些盆、桶、锅之类的和人们生活息息相关的工厂。 These factories have the complete assembly line and skilled worker, even in their warehouses stores up the raw material that large numbers of single and is piling up, in addition their assembly lines, the values of these things had far exceeded the market values of these enterprises, this also purchases their good times. 这些工厂都有完整的流水线和熟练的工人,甚至他们的仓库里就储存着一大批尾单和堆积如山的原材料,加上他们的流水线,这些东西的价值已经远超了这些企业的市值,这也是收购他们的好时候。 But purchase these enterprises, but also needs to wait, needs for Feira creates an opportunity at the same time, issue when reduces purchases bumps into, for example some people clench the teeth not to sell, or converts to invest. 但收购这些企业,还需要等待一下,需要为费拉勒制造一个机会的同时,减少收购时碰到的问题,比如说有人咬紧牙关不愿意出售,或者重新折算入股。 Lynch chose 78 suitable enterprises to take very much earnestly alone, the bank managers also read conveniently, he noticed, these enterprises had the certain amount of loan...... 林奇很认真的挑选了七八家适合的企业单独拿了出来,银行行长也随手翻看了一下,他注意到,这些企业都有一定数量的贷款……
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