I rake in eight trillion yuan a year by stalking people

Chapter 166 The Bank Comes to Borrow Money!

Zhang Yun has been preparing for the layout of the grain industry for the past two days. He was supposed to talk to a vice president of Hanjiang Grain Industry tonight, but he first received a call from an unknown person.

In order to avoid missing important information, Zhang Yun still answered the phone.

"Hi, Mr. Zhang, I'm Sun Deyu, the president of the Hanjiang District Branch of Hanjiang Bank!" Zhang Yun still remembered the voice on the other end of the phone. This person was unwilling to lend money to himself at that time, but instead lent money to Qian Group 100 [-] million.

"Yo! It's President Sun. I don't know what your bank is looking for!" Zhang Yun was quite polite on the phone.

"Mr. Zhang, our bank has recently launched a preferential interest rate for deposits. As long as you keep your deposit in our bank for one year, we can give you a profit of four points. This is a deposit, not for financial management. I don't know if you have any Are you not interested?" President Sun still had some confidence in saying this.

After all, this is deposits, not financial management. Generally, one-year financial management is now five or six points, which is considered the highest, and that is not guaranteed.

In theory, deposits cannot be guaranteed now, but it is rare for a bank to fail to cash in its deposits.

"President Sun, the company's capital chain is tight and we have no deposits for the time being. Let's wait until we have the opportunity in the future!" Zhang Yun refused directly, but his tone was still more tactful.

"Mr. Zhang, look at it. They are all Hanjiang enterprises. I won't take advantage of you. I will give you six points of interest. Do you want to do it?" President Sun did not say five points but said six points instead. The magnitude of this jump has already been It's beyond normal levels.

It stands to reason that even if it is a one-year corporate deposit, it is definitely less than four points, and may only have two points of interest.

Now triple the normal interest.

Zhang Yun is not an idiot, he knows that Hanjiang Bank is going to have an accident, and the cause of the accident is related to tens of billions of funds and Hanjiang Bank.

In his memory, Hanjiang Bank's tens of billions of loans could not be recovered due to the bankruptcy of the Qian Group.

Hanjiang Bank is just a city commercial bank, and its capital strength is not outstanding. The collapse of Qian Group has had a major impact on Hanjiang Bank. However, as a local city commercial bank, it can still get tens of billions of funds, although This will be very painful.

However, what overwhelmed Hanjiang Bank was a run. The tens of billions of losses suddenly triggered a wave of runs by companies and individuals. Hanjiang Bank was directly run and eventually went bankrupt.

It was precisely because Zhang Yun knew these things that he would not deposit money in Hanjiang Bank. Even if he had borrowed money from Hanjiang Bank at that time, he would spend it immediately instead of depositing it in Hanjiang Bank.

"Don't be embarrassed. We really don't have funds at the moment. You can go to Qian's Group and see if they have any money!" After saying that, Zhang Yun hung up the phone.

He didn't feel that he would hurt President Dao Sun's face at all, because President Sun could call him, which meant that he had made countless calls to other people, and he might be the last one.

Since he was hit on the head, it can only show that other companies are also very difficult to obtain funds. At the same time, other people have funds and will not stop lending money to Hanjiang Bank.

Hanjiang Bank first lost trust in the hearts of entrepreneurs!It was a sign of his breakdown.

When President Sun saw that the phone was hung up, he was very depressed. The Qian family had no money. Recently, the Qian family was also borrowing money everywhere. Private lending and fundraising are now rampant in the Han River, and half of the reason is due to the Qian Group.

In addition to picking up in the Han River, the Qian Group also took land in other parts of the country, which caused the expansion of the plate to be too large and no funds.

Although land prices are rising every day, it has nothing to do with their Qian Group.

President Sun touched the oily head and his hair fell out.

Soon his phone rang, it was Qian Feng calling.

"Mr. Qian, when will we pay back some of the money in our bank!" President Sun's attitude was still very friendly. After all, the one who owed the money now is also the uncle.

Isn't Qian Feng distressed?Buying a house takes time, and now it has to be capped before it is allowed to be sold, but the construction requires a lot of money and cannot be solved.

"President Sun, money is really a bit tight recently, but isn't it time for us to pay back the money? Also, I told you that now that we have found a funding channel, we can at least provide us with more than 30 billion more funds, but I need your bank's help as a guarantee! I don't know when the bank manager will be convenient."

Qian Feng actually asked the bank to provide a guarantee, which made it difficult for President Sun to accept.

"Mr. Qian, it's not that I don't want to, it's just that we don't have a precedent. Besides, this requires the approval of the head office. We can't just provide a guarantee!" President Sun felt that Qian Feng just didn't want to pay back the money.

"Oh, let's not talk about it. If I have [-] billion, our group's capital chain will be alive. Then it will be possible to repay the debt before. President Sun, you still need to talk to the head office about this matter!" Qian Feng After that, he hung up the phone and didn't talk much.

President Sun is also entangled, they are now tied together by the Qian family, if the Qian family is alive, they can live, if the Qian family dies, they will be finished.

The only thing before him now is to cooperate with the Qian Group.

So, he called his old boss, the president of Hanjiang Bank.

"President, I'm Sun Tao, and I have something to tell you."

After talking on the phone, President Sun showed a tangled look on his face. He called the president of the head office, and the president directly refused the head office to provide a guarantee, but he didn't say that the branch couldn't do it.

The whole meaning is, you did it, I don't know about it, if something goes wrong, I will take the blame!
Sun Tao was very aggrieved. He knew that the president didn't seem to be responsible, but if the Qian Group didn't get the money now, it would probably collapse. At that time, he would still have to go down, and he would be dead anyway.

After repeated weighing, he decided to give it a go!
So, he got through the striker's phone.

"Mr. Qian, we can consider the guarantee, but what is the situation of the person who is willing to lend you money and what are the requirements?"

Since the branch needs to provide guarantee, it must know the situation of the borrower.

"President Sun, don't worry, it's an investment bank's trust, and the interest is only 24 points!" Qian Feng said.

"24 points! Qianfeng, are you crazy?" Sun Tao is not an idiot. It is reasonable for such a large group to borrow money at a low cost, but he did not expect that the other party has touched the upper limit of the loan interest rate.

"Oh, I don't want the child to be a wolf, so we will borrow it for half a year, and the interest will not be very high. Besides, except for this company who is willing to borrow money, other people are not willing. If the bank is willing to lend me another three billion yuan, I definitely won't borrow this money!" Qian Feng said nonchalantly.

Sun Tao paused for more than ten seconds, and finally said: "Let's make an appointment to talk!"

After finishing speaking, President Sun Tao hung up the phone and collapsed on the seat, unable to recover.

If the money is guaranteed, Qian can't pay it back, and the bank will pay the bill in the end.

Ten minutes later, the president's assistant came in.

"President, are you in good health!" The assistant was a little worried.

"It's okay, I asked you to find someone to watch Yuntian, Mr. Zhang, how is it?" Sun Tao still didn't want to give up the opportunity to meet Zhang Yun.

"Looking at it, it's a high-end restaurant now!" said the assistant.

"Okay, let's go there later! No, I'll go back alone, you can go home after get off work!" President Sun finally decided to go alone, because he knew that tonight was the most indignant day for him.

(End of this chapter)