Just after Yu Shaocheng left, Chen Geng received a notice that Shen Daqing, the president of Haizhou Bank of China, had arrived.

Chen Geng immediately became depressed. Could it be that these bankers have a dog nose? He just asked Yu Shaocheng to ask for a loan to build four floating docks, and Shen Daqing came to him?

Even though they are depressed, everyone is friends. Since they come to the door, Chen Geng must not be ignored. Just a few teasing words are indispensable. But who is Shen Daqing? Not only is he not angry at Chen Geng's teasing, he keenly realizes that Chen Geng's words... tsk, this is a bit interesting.

With his eyes rolling, Shen Daqing hurriedly asked, "Brother, what do you mean... Runhua Industrial has a big project, is planning to borrow from the bank?"

Damn it!

Chen Geng then realized that Shen Daqing came to find him, for the sake of other things, but he accidentally let him say something wrong. He quickly shook his head and denied: "There is nothing, who did you hear from me?"

After so many years of dealings, Shen Daqing was so familiar with Chen Geng. He was not sure at first, and immediately felt relieved: "Brother, you are so unkind. If you have business, you don't take care of your brother... Don't say how strongly our Bank of China has supported you Runhua Industrial over the years, just say that I am, I am nothing to you, right?"

That's true!

Chen Geng really couldn't find a reason to refute it. Let's not talk about anything else, just talk about the four major state-owned banks in Haizhou, which have really nothing to say about Runhua Industrial over the years. Although this is true that Runhua Industrial has never liked loans, it is more liked to solve problems on its own. On the other hand, as long as Runhua Industrial needs loans over the years, the four major banks have never said the word "no".

Shen Daqing said this to this point, and Chen Geng was really not easy to continue pretending to be confused: "There is a project, but I still hesitate to play it myself or take out a loan. The loan interest rate is so high now..."

The current loan interest rate is indeed high. Due to inflation, the 3- to 5-year loan interest rate that began to be implemented in April this year has reached 9.54%, and the 5-year loan has reached 9.72%. Chen Geng is not very familiar with the changes in the bank loan interest rate during this period, but it is said that the interest rate has been adjusted again, and it is estimated that the 5-year loan rate can almost break 10.

Shen Daqing was overjoyed!

He didn't expect that he just heard that Chen Geng was back. He thought of coming over to contact him, but he encountered such a good thing. He hurriedly said, "Don't interfere, brother, others are someone else, can you compare with you? Brother, you have a loan, brother, I will definitely find a way to give you the lowest interest rate, right? Tell me, what project is it? How much does it cost?"

"Well, not much, more than one hundred million."

Shen Daqing was no longer overjoyed, but ecstasy. He had only one thought in his mind: a loan of more than one billion yuan? Is it issued!

Can Runhua Industrial take out more than one billion?

Too easy.

This amount of money is lower than that of the outrageous Runhua Industrial with abundant cash flow, which is not a problem at all. In other words, "I'm thinking about whether I want to take a loan?" Shen Daqing would definitely think that this guy is pretending to be x, but if this was what Chen Geng said, that's what he really thought. On the other hand, if someone came to borrow so much money, Shen Daqing really didn't dare to think about it, but Chen Geng would be different. There are so many banks across the country, who would worry that Runhua Industrial would not be able to pay back the money?

"Brother, you have to give me this order, and you have to give me whatever you say," Shen Daqing, who was overjoyed, held Chen Geng's hand and refused to let go. His eyes were as warm as if they had a love affair with the two of them: "You have to help your brother no matter what you say! As for the interest rate, don't worry, I promise to suppress it below 7%.

Chen Geng was a little surprised: "The economic situation in our Haizhou is very good. There are not many state-owned enterprises, and the development of the private economy is very good. Why do you..."

For banks in various places, the most troublesome thing is the sympathy loans from government departments:

The mayor said that the situation at xx steel plant is not very good, and the workers can’t pay wages. Your bank will support it;

A few days later, the deputy mayor said again that xx cotton mill needs some money to purchase raw materials, and your banking system will support it? When the cotton mill’s payment is recovered, the first one will repay your bank’s loan first;

The boss of the thermos factory squats at the bank door every day, saying that we can't survive anymore. If you don't approve some loans for us, hundreds of people in our factory will starve to death at the entrance of your bank...

It was even just the government leaders who spoke to the bank: We are planning to build a new development zone. In order to attract customers to invest, we always need a basic three-way and one-level market, right? But there is no financial money, why don’t your banking system develop its style?

…………

There are too many excuses and reasons. This is the most worrying thing about the banking bosses. These situations are the main problems facing the banking systems across the country. However, Haizhou is special. Driven by Runhua Industrial, the private economy is booming, and the region has money. It is not a problem to support the city's enterprises. Why are banks busy putting loans into their own hands?

Shen Daqing's face turned into a bun: "Brother, do you know that the provincial bank has handed me over the loan tasks in the province this year to me?"

Before Chen Geng could return him, he raised two fingers: "20%! I want to complete the 20% loan task of the Bank of China system in the province, and I must be of high-quality assets. Our Haizhou's economic situation is so good. Who do you ask me to lend the loan to? To be honest, I still have about 500 million yuan in my hand and I have nowhere to go."

There are still more than 500 million yuan in loans that have not been approved?

After hearing what Shen Daqing said, Chen Geng felt a little sympathetic to this guy. It was the end of September and almost three-quarters of the year had passed. It was indeed a bit embarrassing to lent the 500 million yuan in the remaining three months.

But Chen Geng didn't plan to be so cheap. Since you showed your trump card, how could I accept the interest rate of 7%? Chen Geng said in a dilemma: "But this loan was not applied for by our group company. It was a shipping company controlled by our group to purchase a floating dock. They planned to apply for a loan from the bank in Rongzhou, Bashu..."

Before Chen Geng finished speaking, Shen Daqing laughed: "In terms of the economic situation in the Bashu area, no matter how good the financial situation of your shipping company is, do you think the banks there can afford such a large amount of money? I have to settle this loan!" After that, Shen Daqing realized another thing: "By the way, brother, I know the dock, but what is a floating dock?"

Chen Geng: "You can call the floating dock an iron box floating on the water. The function of this iron box has the same function as the dock on the land. It can carry out shipbuilding, ship maintenance and maintenance operations. A 10,000-ton cargo ship costs about 400,000 tonnes to carry out an inspection on a traditional land dock. The floating dock only costs less than 300,000 yuan, and the damage to the ship is almost zero..."

"I understand," after hearing Chen Geng explain the function, purpose and why the floating dock was built, and where to place it, Shen Daqing nodded repeatedly: "This is a good project. If it is really like you said, there are so many penetrations in the entire Yangtze River, but there is no land dock suitable for freighters above 5,000 tons above the middle reaches of the Yangtze River for maintenance. Where do you put these floating docks? It's really a good business..."

Speaking of this, he suddenly realized something and his face suddenly became a little weird: "If I remember correctly, it seems that you have a shipyard..."

"That's right," Chen Geng admitted frankly: "We have introduced the manufacturing technology of floating docks from Ukraine. We are going to come to these floating docks ourselves."

"I'll go! That is, you can buy things from your own company for loans?" Shen Daqing screamed strangely and looked at Chen Geng speechlessly: "Brother, your business is too refined, right?"

According to the current habits of domestic companies, how can we buy among the members of our company be so good? Everyone moves the money from their left pocket to their right pocket. In Shen Daqing's view, Runhua Industrial's move is simply to take off his pants and fart.

But Chen Geng didn't think so. He said seriously: "Old Shen, I know that the various subsidiaries under our group and the holding companies are independently accounted for, and their business transactions must be clear. I know that no one does much, but those companies that do not do this seem to have better benefits than those of our Runhua Industrial." Looking at Shen Daqing, Chen Geng said meaningfully: "Brother, you should know how important it is to this company for a good financial situation."

Huh? It's true.

Chen Geng didn't say that Shen Daqing hadn't realized it yet, but after hearing what Chen Geng said, Shen Daqing suddenly realized that it seemed that this is true. Although Runhua Industrial's approach seems a bit unnecessary, the good benefits of others are something that everyone can see: "Okay, it makes sense for you, but this loan..."

Chen Geng thought about it and simply gave Shen Daqing a bad idea: "In this way, taking advantage of this opportunity, the shipyard will expand a large dock. Your four major banks simply organize a joint loan group to lend us money. I have a good relationship with everyone. If this bowl of water is not even good, I will not be scolded to death by everyone? Of course, you can discuss how to allocate the specific share yourself."

"Then... let it go." Shen Daqing was a little reluctant, but when Chen Geng said this, Shen Daqing couldn't say anything. Just as Chen Geng said, he had a good relationship with the leaders of the Haizhou branch of the four major banks, and the situations faced by the four major banks were similar. He had a large loan in his hand and had not released it. It would be fine if he didn't borrow money. Since he planned to borrow money, his brothers would have to take care of him. After thinking about it, he planned to make up for himself: "But if this is the case, your total loan amount cannot be less than 200 million yuan."

Chen Geng calculated silently in his heart and nodded: "200 million is only 200 million, but in terms of interest rates, the 5-year interest rate cannot exceed 5%.

"Five-year 5%? Why don't you grab it?" Shen Daqing suddenly became frustrated: "The current 5-year loan interest rate is 10.1%..."

Chen Geng directly played a rogue: "I know, but you know too. I don't have to take out a loan. Even if it's 5%, it's 10 million yuan a year... Well? I don't know, once I count... forget it, I'd better not take out a loan..."

"Don't interfere, brother, you can do it according to your wishes. 5% is 5%, that's it." Even though he knew that Chen Geng did it on purpose, Shen Daqing was afraid and anxious: Damn! It's 10 million a year!

Chen Geng's words poked Shen Daqing's fatal hole. Shen Daqing immediately felt like a deflated ball, and it was very clear that although Chen Geng's words were threatening, they were really able to say what they said.

For Runhua Industrial, this money can be borrowed or not, and it will not affect anything. If you borrow it, you will have an additional interest expense: at an annual interest rate of 200 million yuan, 5%, it is 10 million yuan per year. Companies that can achieve a net profit of 10 million yuan per year are definitely large enterprises;

But for the banking system, especially for Haizhou banks, even if the four major banks share the 200 million loans equally, with these 200 million, the burden on everyone's shoulders is much lighter...

All companies have always been begging for banks, but now they become banks begging for companies and saying, "Master, you can do it, borrow some."

Damn it's embarrassing.

Smacking his lips, Chen Geng said tentatively: "What do you think is 4%?"

"I've fought with you..."

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"You mean, some banks are willing to lend us money at an annual interest rate of 5%?" Yu Shaocheng was very surprised when he received a call from Chen Geng.

He was worried. He had previously swear to say that the money could be borrowed from the Rongzhou banking system, but the matter was different from what he thought. When he talked about this with his friends in the Rongzhou banking system, his friend was shocked and told him bluntly that the entire Rongzhou banking system can lend money to foreign countries less than 300 million yuan, and there are more than 3 months left before the settlement at the end of the year. What should I do if I lend you 120 million yuan and the remaining 180 million yuan is not enough?

Based on Yu Shaocheng's understanding of the situation of enterprises in Rongzhou, these 180 million are probably not enough.

I just blew up Niu Bi, and I was slapped in the face in the blink of an eye. He was worried about how to find such a large amount of money. Unexpectedly, before he could speak, the boss had already handled the matter for him...

Chen Geng didn't know that Yu Shaocheng had such a mental journey, so he didn't think much: "Yes, I think it's not bad. It's much cheaper than the loan interest rate on the market. I guess you can't get such a cheap loan, so you can just leave this one."

Yu Shaocheng felt mixed emotions!
Chapter completed!