Rebirth 1991: My Financial Era

"Uncle Li, my dad said he wants to buy a warehouse. I guess you must have one here."

Sun Chen didn't follow him to go through the formalities, and President Li didn't pay attention at first. He was a little surprised to hear this. But I was in a good mood today and didn't kick Sun Chen out.

"Little brother, when buying a warehouse, go to an enterprise or institution. We are a bank here, you know?" President Li felt a little unclear and didn't know what was wrong, so he ignored the child.

"My dad said that with so much triangular debt now, there must be companies that can't repay their loans and are willing to sell their warehouses. Uncle Li, are you right in what he said?" Sun Chen pretended to be naive.

"Hey, what you said makes sense. Your dad is very powerful." Manager Li thought about it and made Sun Renyu his confidant.

"Director Zhang, come here." Li Chuxian picked up the phone and called the director of the risk department over.

A minute later, a fat, bald man walked in.

"Li Xing, did you call me?"

"Well, sit down." Li Chu lit a cigarette first, regardless of whether his subordinates wanted to smoke or not, and said directly: "Among our non-performing loans, some of them can be used to deal with fixed assets, especially warehouses."

"Li Xing, Hongxing Food Factory has a warehouse, which is quite large. There is still 8 yuan left in the loan."

"Independent or separate?" Li Chuxian felt that he had reached the point.

"There are three warehouses, the one facing the street is the largest, covering an area of ​​6000 square meters."

"How is the cooperation of Red Star Food Factory?"

"The food factory is in a state of semi-stop production and cannot afford such a large area. They have nothing to say when we dispose of the assets." Director Zhang finally knew what Li Chuxian was going to do.

"Okay, you wait for the customer here, take him to see the warehouse, and then contact the Red Star Food Factory and ask them to cooperate."

"Okay, Li Xing." Director Zhang sat down and Li Chuxian was satisfied and gave him a cigarette.

The two of them smoked and chatted, and Sun Renyu came back after opening an account.

Sun Chen quickly stood up, winked at Sun Renyu, and said, "Dad, this Uncle Li is so nice. He knew you wanted to buy a warehouse and helped you find a warehouse facing the street. He arranged for Uncle Zhang to take you to see it. !”

Sun Chen finished speaking in one breath and nodded to Sun Renyu.

Sun Renyu was confused and asked, "Can you please stop blindly making decisions for me? What kind of warehouse?" Who am I and where am I?

"Ah, yes, thank you, President Li, for helping our company solve these business problems." Sun Renyu has been tricked many times, and now he has finally mastered it.

"Okay, since you don't object, I'll ask Director Zhang to take you to see it."

Li Chuxian put the cigarette butt in the ashtray and said to Director Zhang, "Ask Xiao Zhao to drive you there. Go early and come back early." He looked very excited. He is such a good customer and can help me solve my bad debt problem.

Seeing this situation, Sun Renyu didn't go to the warehouse. The loan must have been suspended, so he left decisively.

The car drove for more than ten minutes and arrived at the Red Star Food Factory. The factory used to produce steamed buns and Hanaki, as well as bread. Now it cannot compete with small shops, and its efficiency is getting worse and worse.

The street side of the warehouse was not short, it was a full kilometer long. Sun Chen was very satisfied and exclaimed, "This place is great!"

Sun Renyu received the signal and immediately expressed satisfaction. Director Zhang heard what he said and immediately went to the Red Star Factory to talk to the director about the disposal of non-performing assets.

Not far from the tertiary industry company, Sun Renyu simply walked back.

"Can you please let me know first before teasing others?" Sun Renyu was a little dissatisfied. His son just liked to make his own decisions.

"Dad, if you don't plan for the long term, you can't plan for the short term." Sun Chen was very serious.

"If the steel trade lasts for five years at most, there will be a lot of competition, and the price difference between first-hand and second-hand prices will disappear. Although I have no plans to develop the tertiary industry company in a big way, this warehouse will be enough to feed a group of people and give my uncle a I've explained it." Sun Chen moved Sun Renwu out and continued, "Dad, our family still has a long way to go, you have to listen to me."

Sun Renyu was a little dumbfounded.

Sun Chen can't guarantee that he can bring his father to that point. It depends on whether Sun Renyu can hold on.

"Come on, Dad!" Sun Chen sprinted forward, feeling relieved.

The golden nineties, here I come!

Sun Renyu was encouraged and his mood improved. After completing this business, he had established a firm foothold in Wucheng.

Today is moving day. Sun Renyu found a two-bedroom apartment near the tertiary industry company. The old couple retired and moved to their son's house to take care of their grandson. The rent was also cheap, only 800 yuan a year.

Sun Renyu and his son moved here, but Sun Jingzhang still lived in his eldest son's house.

Li Chuxian moved quickly. The next day, Director Liu of the Credit Department and Director Zhang of the Risk Department came together for due diligence to verify the office status and assets of the tertiary industry company, mainly the steel in the warehouse.

A week later, Sun Renyu received a call from Li Chuxian: "Manager Sun, congratulations, your loan application has been approved by the branch!"

"Li Xing, thank you for your support! Do you have time to get together?" Of course, the God of Wealth did not dare to offend.

"No, I have to thank Manager Sun for the solution. Whether our branch will win the award this year depends entirely on your business."

"I don't dare to take it seriously. It's Mr. Li who has a sharp eye. Horses with thousands of miles of horses are always there, but Bole is not always there!" Sun Renyu started the business exchange mode.

"Manager Sun is so polite. Please come to the branch to sign the contract when you have time."

"I'm available anytime. Is it convenient for you this afternoon?"

"Always waiting!"

Sun Renyu first booked a location in Linjiangxian, and then went to the Hankou branch to sign a loan contract. Banks call it loans, and companies call it borrowing. It is actually a contract.

Li Chuxian waited in the office. Director Liu of the Credit Department and Director Zhang of the Risk Department were both there.

"Manager Sun, the loan has been approved. The loan is pledged based on 80% of the value of the goods. The goods will be settled when they are shipped out of the warehouse. Part of the goods will be shipped out of the warehouse and repaid in proportion. Is that okay?"

"No problem, thank you Li Xing." Of course Sun Renyu is fine.

Sun Chen also felt that there was no problem. The loan plan was done well, except that the goods were sold on credit and there was no investigation.

"There is also a warehouse, 6000 square meters facing the street, priced at 8, is there any problem?" Manager Li smiled, thinking that his bundled sales model was very clever.

"It's no problem." Sun Renyu was educated by his son and had already thought about it. It's up to you.

"Okay, let's sign the contract." Li Chuxian clapped his hands, and Director Zhang took out three copies of each contract and signed and sealed them.

After signing, Director Liu of the Credit Department took a photo of the handshake with his camera as a souvenir.

"Okay, Director Liu will go to the branch to go through the loan procedures." He turned back to Sun Renyu and said, "Manager Sun, we can send a security guard to the warehouse to strengthen management, okay?"

"no problem."

"How about we deduct the warehouse payment directly?"

"No problem." He didn't get the loan and the bank's conditions were fine. Sun Renyu could understand Li Chuxian's caution.

"Li Xing, let's get together in Linjiang, shall we?"

"Okay, let's go!"