Cheng Ergongzi

Wandering around in Cheng's building, I happened to meet Xiao Wenyu, who was dressed in a suit and just came back from outside.

I said, "You also need to see clients?"

He opened the door and walked into the office, threw the briefcase on the table, pulled off the tie with one hand, picked up the mug to drink water, and let out a long breath, "I went to a foreign bank just now."

I said, "But the one that promised to finance Cheng?"

He glared: Otherwise, which one could it be.

I asked, "Is the progress going well? Mrs. Cheng is still waiting for the money to be paid to the supplier. It is urgent."

Xiao Wenyu said: "Cheng's business has always been law-abiding and has a good reputation. It shouldn't be difficult to approve the loan. This time, the materials are well prepared, and there is no problem with the mortgage review. The bank manager said that it can be approved. However, I received a call this morning saying that the materials are not sufficient. , need to suspend lending.”

I was surprised: "Is there such a thing?"

Xiao Wenyu sighed, "I also found it strange that it was only a few days before and after, why the tone of voice suddenly changed. So I immediately went to the bank to inquire, but the other manager hesitated and said that the headquarters had noticed the application for some reason and it was blocked."

I said, "If the higher-ups don't give approval, the branch will definitely not dare to take any action."

"So I have to go to the head office." Xiao Wenyu shook his head, "It's just that I don't know why the loan review failed. The materials I prepared myself are simply unreasonable."

I said: "This matter is important, I will go with you."

Drive to the headquarters of the foreign-funded bank and explain to the front desk what you want to do.

The front desk responded: "Please wait a moment." He dialed the phone next to him, exchanged a few words, then turned his gaze back, "Business manager, please wait in the conference room, he will be here soon."

Xiao Wenyu and I were led into the meeting room and seated.

As soon as we had a sip of tea, we saw the door of the meeting room open, and a tall figure entered against the light, pulling away the chairs in front of us.

The man didn't look at me, but said calmly to the person beside me: "Mr. Xiao is good."

Xiao Wenyu frowned slightly, and responded: "Hello."

The man opened the black folder in his hand, took a few documents from it, and handed them to Xiao Wenyu and me respectively, with a calm voice: "The head office occasionally conducts spot checks on the branch's loan business, and it is a coincidence that your company's application was submitted to me. "

Xiao Wenyu lowered his eyes to look at the material, then raised his eyes again, "Understood."

The man continued: "I have always heard about the reputation of Cheng's company, and I have no doubts about Mr. Xiao's personal ability. I just have some questions about this application, and I hope Mr. Xiao can answer them."

Xiao Wenyu took a sip of tea and said, "You're welcome, please feel free to ask."

The man said: "I checked Cheng's loan records in recent years, and found that there is no precedent for emergency loan application. I don't know why this exception is made?"

Xiao Wenyu slowly narrated the cause and effect one by one, without shy away from it, "This is really helpless, I hope you can understand Cheng's difficulties."

The man nodded and said: "Mr. Xiao has been in the industry for more than ten years, and he also served as the financial director of Cheng's. But there are mistakes?"

Xiao Wenyu thought for a moment and made some explanations.

The man looked at the materials in his hand, "Cheng's business has been running well in recent years, and the income can naturally be guaranteed. However, the sudden application for an emergency loan near the end of the year will inevitably make people worry about this year's profitability."

Xiao Wenyu opened the briefcase next to him and handed over a stack of materials, "This is Cheng's financial report for the first three quarters. Various data show that the company is operating well, and the company's stock price has also risen steadily. Because of the increase in customer demand at the end of the year, Cheng's I decided to expand the scale of production, only to find that the cash flow is insufficient, it was my negligence."

Pause for a moment, "Cheng's supply and sales data are healthy, and the relationship with customers is solid, so it should not be implicated by the company's financial decision-making mistakes."

The man pondered for a while, then nodded and said, "I can understand what Mr. Xiao explained. This loan can be approved, but..."

I said, "Just what?"

The man smiled, "I'm afraid the loan interest rate needs to go up a bit. Our bank lends, and the bank has its own concerns. I hope Cheng can understand."

I said, "How much does it float?"

The man took a look at Xiao Wenyu and reported a number.

There was no fluctuation on Xiao Wenyu's face, but his eyes dimmed instantly.After a long while, the voice was slightly hoarse: "You are really a bit difficult."

"Oh?" The man crossed his arms and leaned back on the chair, "This is within the legal limit."

Xiao Wenyu stretched out his hands and kneaded the center of his brows, looking tired, "This is the maximum amount within the legal limit, and if it is [-]% higher, it is usury."

The man was unmoved, and looked at him leisurely, with the corners of his mouth slightly raised.

Xiao Wenyu sighed, "The Cheng family has worked hard in the mall for many years, and it is not easy to deal with the top and bottom. The company and the bank are originally in a mutually beneficial and symbiotic relationship. Please think more about it and be merciful."

After all, he didn't dare to go against the bank, and his tone softened.

The man said: "It is not impossible to lower the interest rate, but some requirements must be met."

Xiao Wenyu said: "Please tell me."

The man said: "This request has nothing to do with Cheng's enterprise, but only with Mr. Xiao."

Xiao Wenyu asked suspiciously, "What is that?"

The man smiled, "Wenyu, I need you to quit drinking."

Xiao Wenyu's hand holding the teacup trembled slightly, "What kind of request is that?"

The smile on the man's face became deeper and deeper, "How many times have I told you to drink less, but you still don't listen, and I have no choice but to do so."

"……Leave me alone."

The man didn't take it seriously, and said, "As long as you agree, the Cheng's loan interest rate can be reduced to a normal level."

Xiao Wenyu hugged his head in pain, "You're avenging yourself."

The man smiled and did not refute, "I just remind you that the right to approve this loan is now with me."

Xiao Wenyu raised his head from between his elbows, his gaze was distracted.