"Brother Ma, Mr. Ma, Mr. Ma, brother, I beg you, will you let me go?" Looking at Ma Chunbo who was unyielding in front of him, Lin Zheng smiled bitterly, not only did he smile bitterly, he didn't know whether he should admire Ma Chunbo's indomitable spirit, or should he hide away... Isn't he just didn't get a loan from you?

Lin Zheng was completely convinced by Ma Chunbo's behavior of wanting to stay in his home: I have never seen anyone who took the initiative to come to ask for a loan.

"No, don't, as long as you are willing to help me with brother, brother, it's okay if I call you grandpa," Ma Chunbo also knew that his repeated actions were annoying, but if he could get Lin Zheng's support, what would be the face? "Brother, one factory is only one factory. As long as you take the loan for the construction of one of the factories from our industrial industry, I will leave now without saying a word."

As the president of the ICBC Langya Branch, there is of course a reason why Ma Chunbo is so humble, and the reason is also very simple: I hope that the construction funds required for the four brand new electronic factories that Lianchuang Technology is preparing to build can be borrowed from ICBC.

For major domestic banks, Lianchuang Technology is definitely the ideal loan target. Although the company is huge in scale, its benefits are surprisingly good. The products produced are in short supply in the market. No matter how much they produce, it is not a huge market to digest. The heads of each bank are wide-eyed and want to lend money to Lianchuang Technology. But this depends on whether Boss Lin is in a good mood... They are not short of money at all, and they don't have to worry about not being able to get a loan.

Ma Chunbo has little ambition. He just hopes to get the loan amount needed by one of the factories... He wants to get it all, but if all the meat is eaten by himself, the bosses of other banks in the city will not tear him down?

Lin Zheng rubbed his forehead with a headache: This is difficult to deal with.

To be honest, Lianchuang Technology's own funds can now bear the needs of factory construction. Without delaying its own development, Lin Zheng does not like to borrow from banks. The reason is of course very simple: Damn bank loans are calculated for interest! Even if you can get extremely low interest, the base of the loan amount cannot be resisted. Such a huge base, even if the loan interest rate is very low, the annual interest rate is also a huge number.

But Ma Chunbo's dignified bank president has already been so humble in front of him. He can't argue if he doesn't give face. After all, the Republic is a society of human relationships. Today, Ma Chunbo has put on such an attitude. If Lin Zheng doesn't give face, it will be interesting to talk about it.

"This is how." Lin Zheng rubbed his forehead. He said simply: "Brother Ma, I will tell you the truth. I can't leave you with this loan. I believe you know how much money we have borrowed from various banks in recent years. The financial director of the group told me that the company should control the loan amount..."

"But..." Hearing that his hope was gone, Ma Chunbo was immediately anxious and hurriedly interrupted Lin Zheng's words.

"Listen to me," Lin Zheng waved his hand and signaled Ma Chunbo not to worry: "Although the loan will not leave you, I have another project. If it is well operated, it is not impossible to get a loan of more than 1 billion yuan from you a year."

"Really or not?"

After hearing Lin Zheng's words, Ma Chunbo was a little unbelievable: a loan of more than one billion yuan a year? What kind of project is it? You must know that even if the city's economy has developed rapidly in the past two years, the loans that ICBC can release in one year are the same. On the other hand, if Lianchuang Technology really has such a large project to cooperate with ICBC, then there is no doubt that this is no longer a matter that the city branch can do. Ninety-nine percent will be left to the provincial branch to take charge. But no matter what, since this business is out of your own hands, the political achievements that should belong to you are absolutely indispensable.

"Of course it's true. If it is done well, it will increase every year." Lin Zheng's tone was extremely affirmative.

It will increase every year in the future? Lin Zheng's answer really scared Ma Chunbo. Such a huge good news made Ma Chunbo feel a little unbelievable for a moment. After he whispered for a long time, he carefully said: "This... Mr. Lin, can you talk about it first?"

"We Lianchuang Technology took over Jiangbei Aoto from the Ordnance Industry Corporation. Do you know this?"

"I know." Comrade Ma nodded confusedly. Of course he knew that the largest private enterprise in China actually bought an automobile manufacturing company from the Ordnance Industry Corporation. Even if the automobile manufacturing company is half dead now, this news is enough to cause a sensation within a certain range. However, Ma Chunbo still didn't understand what the relationship between Jiangbei Machinery Factory and loans? Does Jiangbei Machinery Factory have to borrow from the bank every year?

Lin Zheng didn't expect Lao Chunbo to understand what he meant as soon as he opened his mouth. There was no bank or company in China doing this in this way. Ma Chunbo didn't understand what he wanted to say. It was normal.

"We have invested heavily in customizing and introducing the body covering production line. Jiangbei Alto is about to start trial production. My idea is to join a bank to carry out the auto loan business."

"Car loan?" Ma Chunbo blinked his eyes twice. After all, he was not a fool. He immediately understood what Lin Zheng said: "Are you saying... you borrow money from the bank to buy a car?"

"That's right, that's what it means." Lin Zheng nodded affirmatively.

"But……"

With his mouth slightly opened, Ma Chunbo didn't know what to say. Loans for individuals have always been one of the main businesses of bank loans. Although they have never been operated, as a banking industry, Ma Chunbo also knows some car loans from developed countries in Europe and the United States. Car loans are easy to understand. It is to borrow money from banks to buy cars. However, this practice works in Europe and the United States. Can it work in China? Borrow money to buy cars? Does public institutions need to borrow money to buy cars?; Private? Buy money if you have money, who can't bear to slap the fat man in the face and borrow money to buy cars?

Of course, this is not very absolute. Many units don’t have enough money when buying a car, so don’t they also go to a bank to buy a car? This is nothing. It’s serious. There was no such thing as a private car loan before, and this is the most important thing.

As for reviewing loan qualifications, this is not a problem. The reason is very simple. Just allow formal staff members in government units and state-owned enterprises and institutions to borrow money. Don’t the people in these units want to borrow? It’s okay, it’s okay to find someone in these units to be your guarantor.

Looking at Ma Chunbo's expression, Lin Zheng knew what this guy was thinking. He was just worried that no one would borrow money after the launch of this business. However, Lin Zheng would never tell him that the people who borrowed loans to buy cars in a few years accounted for the vast majority of those who bought cars. He just reminded him one thing: "Lao Ma, you have to know that our nation has a bigger face than the sky. In the same department in the same unit, everyone's income is the same. Lao Wang bought a car. He watched people drive the car to get to get off work quickly every day, and the wind cannot blow the rain. He could still curse the leader when he took the opportunity and be familiar with the leader.

I can still get some gasoline at the office to take advantage of the public. I can just say a few words if I have a car, how about I have a car? Can Lao Li stand it? Can Lao Sun stand it? Can everyone watch Lao Wang be proud of himself all day? Can you watch Lao Wang show his composure in front of his leader? Isn’t it just a small broken car? Even if you borrow some money from Lele’s belt, you can’t lose face. It’s amazing that you can only have two extra pickles at home. It’s not a big deal. Anyway, no one sees it. If you drive a car, you can have face when you go out or at the office. You can go to your mother-in-law’s house and your wife’s face is also brilliant."

Lin Zheng's words make sense. Ma Chunbo has to agree with Lin Zheng's words. Indeed, everyone is from the same department, and the family's income is half a pound. Why do you have to ride a bicycle if you can drive a small car to and from get off work? It's like a turtle in the middle of winter, and it's like a turtle in summer when rain comes? It's okay if everyone doesn't have that, but if someone buys it, the other people in the department feel comfortable. Some people take the lead, and others may even grit their teeth and buy it... Ma Chunbo is very clear about the thoughts of those people in the unit.

But he also had his own concerns and said weakly: "But after all, there are still people who don't look at the face."

"What does that have to do with us?" Lin Zheng glared: "Lao Ma, what do you think? Even if there are two or three of these people with good face, among the 10 people, this is our potential customers. You still expect everyone to be so impulsive, and you don't look at the company's annual production capacity."

So...

Lin Zheng said this, and Ma Chunbo finally realized that as far as he knew, Jiangbei Aoto's annual design production capacity was only 30,000 to 40,000 vehicles. Even if half of the cars were bought with loans, it was only a few hundred million yuan a year. Compared with the huge domestic civil servant base, this amount was nothing at all.

After understanding this, Comrade Lao Ma immediately became moved, but it was still a little worried: "But... there is no precedent for this matter. You also know that there is much easier to deal with in front of such things, but if there is no such example..."

"Don't say it, there is really. I heard that Changan Alto is also working with banks to operate this project. Now it has been almost completely finalized. Lao Ma, you are a person from the banking system. You should be able to find out after a little inquiry."

"Hmm? Is this really the case?" Ma Chunbo, who originally thought that this was impossible, heard Lin Zheng say this, his slender squinting eyes immediately glared, full of excitement: If this is the case, then... hehehe... (To be continued, please search for Astronomy, novels are better, updated and faster!
Chapter completed!