A new place: I'm in Versailles again

Chapter 104 Loans and Deposits

Chapter 104 Loans and Deposits
President Qian took the documents and read them seriously in front of Fang Bin and others.

After reading it, he glanced at Nong Minggong, then at Fang Bin.

"It meets the loan conditions of our People's Bank of China, and you can submit a loan application to our bank window through normal procedures..."

Nong Minggong heard this, and his face became mournful on the spot.Said: "I have already applied to a business office of the People's Bank of China, but failed!"

"What's going on?" President Qian's expression changed, and he asked seriously.

Nong Minggong said: "They said! I am eligible for a loan from the People's Bank of China. But! Someone must provide a guarantee."

"Guarantee?" President Qian leaned back on the sofa and said, "This is necessary! Because! We are not your company's first loan bank. Your company's loan bank has asked you to pledge your fixed assets as a guarantee, so! We must ask you to provide a surety."

"This, this, this?" Nong Minggong followed the wilted cabbage on the spot.

"How much is the estimated loan?" Fang Bin asked when he saw that the negotiation between the two parties was deadlocked.

President Qian picked up the information, glanced at it, and said, "He hopes to get a loan of 500 million, but I saw the reasons for his loan. Maybe 500 million is not enough? If the company operates normally, it needs a loan of at least 2000 million..."

"Not 2000 million! I only have a loan of 500 million, and I will buy back the machinery and equipment and raw materials first. Then! I will produce as much as the other party pays me! Step by step!" Nong Minggong said anxiously.

President Qian interrupted: "Although I don't understand the specific aspects of business operations, but with my decades of experience in banking business, if your business wants to develop healthily and normally, you need a loan of at least 2000 million. Otherwise! It is possible It will go bankrupt due to a broken capital chain. Or! Indulge in an endless loop and never make a big deal!"

"Woooo!" Nong Minggong was so anxious that he almost cried.Said: "I can't get a loan of 500 million, how can I get a loan of 2000 million?"

"Just find someone who understands economics and knows you can make a profit as a guarantee! Judging from your application materials, you can make it back in one year, right?"

"But? Me?" Nong Minggong looked at Fang Bin with a sad face.

I thought: Didn’t you say, give me a guarantee?

Fang Bin nodded towards Nong Minggong, then looked at President Qian, nodded and said, "Money is not a problem! I guarantee it."

President Qian looked at Fang Bin without saying a word.

I thought: you guarantee?What guarantee do you take?You use your business to guarantee his business?

"Money is not a problem!" Fang Bin said with certainty.

"Money is not a problem?" President Qian responded: "Then you? How much do you plan to borrow from our bank?"

"Loan? I want a loan?" Fang Bin responded.

"You?" President Qian did not continue.

Fang Bin stretched out his hand to stop him and said, "Money is not a problem! I promised to guarantee it, and it counts. Gou Wangcai! What about you? Have you prepared the materials yet?"

Gou Wangcai quickly responded: "Master Fang! I have also prepared the materials!"

talking!He took out the materials he had prepared from the briefcase and handed them to Fang Bin.Fang Bin changed hands and handed it to President Qian.

President Qian began to read it seriously again, but stopped reading it after a while and pushed the material aside.

"You have already applied once, and our bank has approved you 1000 million. You must provide a guarantor for the other 2000 million. Otherwise? You understand!"

The previous application was signed by President Qian.so!After President Qian saw it clearly, he didn't need to read the following materials.

Seeing that President Qian directly refused, Gou Wangcai also collapsed.Then!Looking towards Fang Bin.

I thought: Fang Bin!You don't want Versailles!

It was you who promised to guarantee me and introduce me to meet President Qian.Otherwise I won't come, I'm also very busy.I have to find another way to raise money to go.

"Anyway! There must be a guarantor, right?" Fang Bin asked.

President Qian looked at Fang Bin, nodded and said, "There is no way! Loans are risky, and whoever is responsible will be responsible. Me! Qian Shusheng! Although I am the president of the South-South Branch of the People's Bank of China, the president is just a job and does not represent the bank. The money inside belongs to me, the president. I signed it, and I am also responsible. Me!"

"This?"

"It's not that we don't give them loans, but we must have a guarantor! With a guarantor, we can lend them money tomorrow." President Qian emphasized.

"Can you? Take a step to talk?" Fang Bin saw that there was no room for negotiation, and he had no choice.

No matter how much face you have, President Qian will not give it to you.

This is not a matter of face, but a matter of money.

No one guarantees, what if the loan cannot be collected?I lose money?I, Qian Shusheng, are only the president of the bank. The president is just a job. The bank is not my family. I have no money, so I can't afford it.

"This?" President Qian looked at Fang Bin, not understanding what Fang Bin meant.

Seeing that Fang Bin nodded to him affirmatively, he said to Nong Minggong and Gou Wang: "You two! Go to the rest area outside first. Secretary Fang! Take the two of you to the rest area of ​​my office. I have something to say to Fang Bin! "

"Yes! President!" Fang Xiaowei, the beautiful secretary, agreed, and then stretched out her hand to signal: Please Nong Minggong and Gou Wang to go out.

Take a step to speak?Where to talk?This is the VIP room, where we speak privately.

After the two went out, President Qian looked at Fang Bin, waiting for Fang Bin to speak.

I thought to myself: You provide them with a guarantee, what do you use as a guarantee?

Without money and in kind, what do you use as a guarantee?

When Fang Bin saw that he and President Qian were the only two people in the VIP room, he said, "I transferred 1000 billion to your bank, how much interest will you give me?"

1000 billion!Not 1000 million!

For 1000 million deposits, you can negotiate interest with the bank.

"What? What?" President Qian suspected that he was deaf and didn't hear clearly.

Is it 1000 billion?

How much is 1000 billion?
All of a sudden!He doubted his ears.

"1000 billion! I deposit it in your bank for ten years, how much interest will you give me?" Fang Bin repeated.

"1000 billion?"

"1000 billion!"

"Not 1000 million?" President Qian asked.

"1000 billion!" Fang Bin looked at President Qian and said affirmatively.

"1000 billion? Regularly? Ten years?"

"Yes!"

"This is negotiable! It's negotiable!" President Qian finally understood and immediately expressed his stance.

Where is such a good thing? 1000 billion ten-year regular deposit!
"Don't you believe I have 1000 billion?" Fang Bin asked.

"Believe it! Believe it!" President Qian responded repeatedly.

"Then how much will you give me? I'll transfer the money as soon as the negotiation is over." Fang Bin said, taking out his mobile phone as if asking for a mobile bank transfer.

Seeing that Fang Bin didn't seem to be playing tricks on him, President Qian said, "It's higher than the highest interest rate on deposits and lower than the lowest interest rate on loans. How about it?"

"Deal!" Fang Bin agreed, and then began to operate on the mobile banking.

In just a matter of minutes, the operation was completed: 1000 billion was missing from his Swiss bank account.

"Hahaha!" Fang Bin put away his phone and looked at President Qian, enjoying himself.

"You? You? Why are you looking at me and laughing?" President Qian asked without knowing his experience.

Fang Bin ignored President Qian and diverted his attention: drinking tea alone.

The tea from the president of the South-South Branch of the People's Bank of China should taste good.

"Ok!"

After taking a sip, it was really good tea, and the room was full of fragrance.

After a while, Fang Xiaowei, the beautiful secretary, hurriedly pushed the door in and whispered, "President! Our bank has received a transfer of 1000 billion from Mr. Fang's Swiss bank, and it has arrived..."

"What?" President Qian was shocked when he heard this.

this this this?Is everything true?
Then!He looked at Fang Bin in disbelief.

"You? You? You? Fang! Fang! You, Mr. Fang?" After he hesitated for a long time, President Qian didn't know what to say.

(End of this chapter)