"Excuse me, do you have anything to do?"
At this time, it was just time to go to work in the afternoon, Xiao Bai knocked on the door of an office according to the hanging door number, and there were two people sitting in the room, a man and a woman.The man's desk happened to be close to the door, and he took the initiative to ask."
Oh, I want to get a loan, can we come in?"
Xiao Bai stood at the door and smiled slightly, and said to the man who was asking."
Loans?"
The man looked back at the other woman, and then said politely, "Sir, I'm sorry, you didn't make an appointment in advance before you came, did you?"
Look, we've got a full afternoon, so why don't you come back tomorrow?
”During this period, there were many units and companies that came to handle the loan business, and these two people, as loan officers of the bank, did not know how many customers they had to receive at the end of the day.The afternoon was really full."
Two noble surnames?
My surname is Xiao, and I am the chairman of AUO Microelectronics, which is my business card.Our company's account is opened with you, and I am also a major shareholder of your bank's common stock, should I be counted as a customer?
”Xiao Bai ignored the other party's set, who knows the doorway in the bank better than him?"
You're welcome, my name is Zhang Yufei, Xiao Dong, please come with me, let's go to the reception room and sit down."
Loan officer Zhang Yufei took Xiao Bai's business card and looked at it, and when he heard him say this, he immediately stood up solemnly.Shenzhen City Development Bank is the first joint-stock bank in China, and even if the major shareholder of ordinary shares does not have the authority to operate and manage, it is not something that a small loan officer can despise.As he spoke, Zhang Yufei led Xiao Bai and the others to a small reception room and sat down.After the coffee was served, he said with a smile: "Xiao Dong, everyone, you sit down first, and I'll call our section chief to come over." ”After Zhang Yufei left the reception room, he reported the matter to Section Chief Jia of the Credit Section.As soon as the two inquired, AUO Microelectronics really opened an account in the bank, and Xiao Bai himself was the major shareholder of the registered ordinary shares.According to the data, Xiao Bai currently holds a total of 120,000 ordinary shares of Shencheng Development Bank, and according to the current average market trading price, the net worth of this major shareholder has exceeded 6 million yuan, not to mention that he is also the chairman of this microelectronics company."
I'm going to meet people, and I'm the majority shareholder of the company anyway."
Mr.
Jia resolutely refuses to admit that banks have a tendency to hate the poor and love the rich, and he feels that this is a sign of respect for the company's shareholders."
Hello Xiao Dong!
It is an honor for us in the credit department to come to the bank to discuss the loan business in person.I wonder how much loan Mr.
Siu is ready to apply for?
Is there a mortgage or guarantee?
”Section Chief Jia and Xiao Bai were very polite when they met, but when it came to business, under the polite appearance, there was still a business-like attitude.Xiao Bai naturally doesn't expect a major shareholder to be able to dominate the world, what he needs is that the other party is willing to sit down and talk.As long as there is talk, then everything will be easy."
Section Chief Jia, this is the financial director of our company, let him talk about it first."
Xiao Bai motioned to Mu Ziyuan to talk about the company's financial situation first, as well as the outlook for the company's future revenue and profits.Mu Ziyuan had already prepared, took out a few reports from his briefcase, and briefly introduced them.These statements must be handed over to the bank as one of the bases for the bank to judge whether it can lend."
We don't have collateral for the time being, but we can find a company that is willing to provide a guarantee, I don't know if it meets your regulations?
In addition, our company enjoys the preferential policies of the city's key introduction industry catalog, you should also consider it, right?
The loan amount I applied for was not much, just 2 million yuan. ”AUO Microelectronics has no assets at all, the office space is rented, the production line is contracted, and the only thing worth a little money is only two Blue Bird cars.However, the company's financial data is very beautiful, and there is a sales contract of 2 million yuan in hand, and it is still a high-tech enterprise that the city focuses on supporting.Chief Jia had to pay attention.Hearing that the other party reported an application for a loan of 2 million yuan, Section Chief Jia breathed a sigh of relief, at least the other party did not open his mouth to embarrass himself."
That's it, Dong Xiao, I'll ask someone to apply for a loan for you now.However, the loan amount of 2 million yuan, I don't count it alone, and I have to report it for approval when I go back.Results can be obtained in about half a month. ”Section Chief Jia deliberately said that the time was longer, so that his side would take the initiative."
Good!
Then thank you to Section Chief Jia. ”Xiao Bai smiled and said a few words of thanks, and Section Chief Jia asked Zhang Yufei to take Mu Ziyuan to go through the formalities.Liu Xiaoling glanced at Xiao Bai, she was eager to understand the process of loan processing.Xiao Bai and the girl have long had a tacit understanding, and they knew what she was thinking with a look."
Xiaoling, you go with Director Mu."
If it were someone else, Xiao Bai would have to explain two sentences.But for Liu Xiaoling, she doesn't need to, she will definitely listen more, watch more and talk less.Xiao Bai and Section Chief Jia sat in the reception room and chatted for a while, and after waiting for less than half an hour, Zhang Yufei, Mu Ziyuan, and Liu Xiaoling came back."
It's all done?"
Section Chief Jia asked at Zhang Yufei."
Yes, section chief, the application procedures have been completed, and now we can wait for approval."
As Zhang Yufei spoke, he stepped forward and handed over the information on AUO's loan application to Section Chief Jia.Section Chief Jia flipped through it casually, and then looked at Xiao Bai with a smile: "Xiao Dong, please wait patiently for a few days, I will inform you when there is a result." ”Xiao Bai comprehended, then got up and shook hands with Section Chief Jia, and said a few kind words, and left the bank with Mu Ziyuan and Liu Xiaoling.Wang Tiejun had been waiting downstairs, and when he saw the boss coming out, he immediately ran over and drove the car over."
Boss, where are we going now?"
The Blue Bird car slowly drove away from the building, and Wang Tiejun looked in the rearview mirror and asked."
Send Director Mu back to the company first, and then you go to Shatoujiao with me."
Xiao Bai plans to take Xiaoling's sister to Zhongying Street in Shatoujiao, which is also a very distinctive place in the Special Economic Zone, and it is worth seeing."
Xiao Dong, don't bother, I'll just take the car back by myself."
Mu Ziyuan, who was sitting in the passenger seat, was very eye-catching, just kidding, how could the boss send the employees first?
So he wanted to get out of the car."
It's okay, it's on the way anyway, if you wait for the bus to go back, it's estimated that you'll be off work soon."
Xiao Bai sat in the back seat and waved his hand, Shatoujiao was in the southwest of Yantian, just passing by the company's location, and there was really no detour.Mu Ziyuan was silent.Liu Xiaoling was very quiet in the car, and it wasn't until Mu Ziyuan got out of the car that she said with a smile: "It's the first time I've figured out the loan process, I don't know if the approval will go smoothly?"
”"Shouldn't it be a big deal, right?
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I really can't do it, I'll ask a few more banks. ”Xiao Bai gently patted the back of the girl's hand, and her tone seemed very relaxed.In fact, he didn't know whether the loan was good or not, and if it was not approved, he might have to go to the city.Support for businesses can't just be superficial, right?
Loans are also one of the preferential policies promised by the city.When he arrived at the ground, Xiao Bai took Liu Xiaoling and Wang Tiejun around Zhongying Street.In the end, Liu Xiaoling didn't buy much, only bought some gadgets to take back to her family and roommates.Xiao Bai didn't say anything, the goods here are just like that, if you really want to shop, you have to go to Xiangjiang, after all, at this point in time, the goods there are much richer than those in China."
Come, Xiaoling, let's take a few photos here, it can be regarded as a commemoration of your visit to the Special Administrative Region.Tie Jun, you take a few group photos for us. ”The use of a camera is not complicated, but it requires a certain amount of skill to take good photos.After taking a few group photos, Xiao Bai personally took a lot of solo photos of Liu Xiaoling.His photography level is okay, at least much better than Wang Tiejun.In the evening, Xiao Bai took Liu Xiaoling to eat an authentic Cantonese meal, and specially ordered an old fire soup to make up for the girl.Next, Liu Xiaoling stayed in Shencheng for another four days.Early in the morning of the fifth day, Xiao Bai personally sent Liu Xiaoling to Yangcheng Airport, and she returned to Xingcheng by plane.The girl originally said that she was going to take the train back, but where would Xiao Bai rest assured?
insisted on giving her the title of department manager, and then bought her a plane ticket.On the way back, Xiao Bai suddenly received several pagers from Lin Qiulu.The phone number left on the pager is the number of the other party's office, and Xiao Bai hurriedly called back as soon as he entered the office."
Bai, where have you been?
I called so many pagers and you didn't reply.My dad came to Shencheng, and he said he wanted to see you, so you can call him back. ”Xiao Bai thought something was wrong, it turned out that Lin Xiang was looking for him.The pager he used here in Shencheng, except for Wei Feng, Liang Yuqi and his family, there were very few people in Star City who knew about it, and Lin Xiang didn't know either.But Lin Qiulu knew, so she made several pagers."
I went to Yangcheng early in the morning and just came back.You tell me Uncle Lin's phone number now, and I'll remember it. ”Xiao Bai then asked Lin Xiang's phone number and hung up.Usually, Xiao Bai and Lin Xiang don't have much contact, and now even the book business is basically handled by the subordinates of both sides.Speaking of which, Xiao Bai hasn't seen him for a long time.At this time, Su Xinyan brought over a cup of coffee, Xiao Bai drank it slowly, and then grabbed the phone and dialed Lin Xiang."
Xiao Xiao, you are a busy person now, it's not easy to see you.Is there anything going on here?
Come out and find a place to sit. ”Lin Xiang has his own property in Shencheng, and this number is naturally the phone number in his house."
Okay, I haven't seen Uncle Lin for a long time.You haven't had lunch yet, have you?
Then at noon, let's go together, and I'll treat you to seafood. ”Xiao Bai has been busy since dawn until now, and he has only eaten a little breakfast, and this is the time for lunch.Lin Xiang didn't have lunch either, he asked Lin Qiulu to contact Xiao Bai before, in fact, he just wanted to ask Xiao Bai out for a meal and talk about something by the way.The two made an appointment with the location, Xiao Bai hung up the phone, and immediately called Wang Tiejun to go out together.