Chapter 301

October 15, Saturday in the lunar calendar.

Shan Hong called to make an appointment. He said that Zhang Yunhui had brought the person from the China Banking Regulatory Commission to meet Zhang Qianxiu.

Zhang Qianxiu didn't care too much. He promised them to meet in the evening.

The meeting place is still in haolaixuan hotel.

At 6:40 p.m., Zhang Qianxiu went ahead of schedule as usual. Shan Hong, Lin Qi and Han Zhuoyue had arrived ahead of schedule, but Zhang Yunhui had not come yet.

"Boss Zhang, sit down quickly. Director Zhang, they are still on the road at this time. They should be arriving soon." Shan Hong said with a smile: "boss Zhang, after meeting people from the CBRC, we can start to apply for loans."

"We'd better discuss it now and see how we can arrange and solve it."

"In order to avoid any problems in the future."

Zhang Qianxiu sat down and said, "this is right. What are your plans?"

Shan Hong said: "in fact, it's still the methods we discussed before. In fact, we all know these methods, and there is no secret. The most important thing is that the fewer people we deal with, the better."

"In your factory, you should make arrangements to try not to let the people under them know. Even if you know, you should not know the inside information."

Zhang Qianxiu nodded slightly: "this is not a big problem. I will try my best to control only one or two people, and at most three people know this."

"It's almost impossible to control a person to the point that they don't know. The money still has to go through our company's accounts. The financial department will certainly know."

Zhang Qianxiu does not intend to drag out all his preparations.

Those are all prepared by himself for his own escape. If they know all these preparations, what kind of backhand is it? It's good to wait for someone to pit him.

None of them is a good fault. If they all know it, the final result can be imagined.

Shan Hong knows about the basic operation of the company. With such a large sum of money coming into the company, it's impossible that they don't know about finance.

People in charge of the factory's corporate accounts can certainly see it.

"Boss Zhang, financial staff, can you arrange some relatives to go up?" Shan Hong asked.

Nowadays, many people use relatives to do these things. In our country, we have a very high degree of trust in relatives.

Zhang Qianxiu shook his head: "there is no one in our family who can manage finance. Even if we make a simple summary, it is estimated that we can't do it. Even if I call them, it is estimated that they are just a group of furnishings."

"I will arrange some people I can trust in the factory. There will be no problem in this respect, and I can't risk the rest of my life."

For this point, Shan Hong and others can still trust.

Originally, Zhang Qianxiu had to bear more serious consequences. If it came to light, he would be in the biggest trouble.

Lin Qi took a look at Zhang Qianxiu and showed a smile.

This smile made Zhang Qianxiu nervous.

At this moment, Zhang Qianxiu found out that Lin Qi, who seems to be the most useless in this group of people, is the most dominant. She can find her way. Almost everyone in this group believes in her, and even he can only choose to believe her. Otherwise, the loan will not go on.

Zhang Qianxiu suddenly felt that he had always underestimated Lin Qi. Compared with other people, Lin Qi was more difficult to deal with.

Just as they were talking, Zhang Yunhui came with a woman in her early twenties.

Seeing this woman, Zhang Qianxiu was surprised, because he had seen this woman, and they should have known each other.

This woman is Wenling, the former supplier of flour and sugar in Wanhui factory.

Wen Ling was not surprised to see Zhang Qianxiu. Instead, he said with a big smile: "boss Zhang, we are really destined to meet again."

Zhang Qianxiu doesn't know what Wenling's identity is, but he can probably think that Wenling's identity is not simple.

Wen Ling is not very old, so it is reasonable that he will not have a high position in the CBRC.

But Zhang Yunhui said that the person he was looking for could ensure that the CBRC in Shaoqing city would not find them. That is to say, Wen Ling's status in the CBRC is not low.

The banking system is a very big framework, such as the banking financial structure. The following are all kinds of banks; There are also regulatory agencies, and the following is the China Banking Regulatory Commission; There are also the banking association and so on.

In fact, banks, CBRC and banking associations are in different positions. They have no administrative authority over each other. Just like the production department and the quality inspection department, the leaders of two different departments, the business department, can't control the quality inspection department, but the quality inspection department can't order the production department to do things.

However, the quality inspection department can find fault with the products. If the staff and management of the production department are hard pressed, they may also be hard pressed and quarrel with each other. It depends on who is reasonable.

The bank facing the CBRC is just like the production department facing the quality inspection department. Every bank is afraid of the CBRC.

In principle, the CBRC is relatively difficult to enter. Since Wen Ling can enter, it means that he has a strong backing.

One of the more puzzling things for Zhang Qianxiu is that the state-owned units, generally speaking, are mainly managed by SASAC and not belong to the banking system. Is Wen Ling so important that he can influence the two official departments of SASAC and the banking system at the same time?

Zhang Qianxiu secretly guessed the origin of Wen Ling and replied with a smile: "Miss Wen, it seems that I made a wrong decision at that time!"

Wenling said: "boss Zhang, we are working together again."

Zhang Yunhui was surprised. He didn't expect Zhang Qianxiu to know Wen Ling. He laughed and said, "we all know each other, so our business will be easy."

It was not only Zhang Yunhui who was surprised. Shan Hong, Han Zhuoyue and Lin Qi were also surprised. They did not expect that Zhang Qianxiu actually knew the people from the CBRC.

Zhang Qianxiu said with a smile: "let's sit first. Miss Wen will cooperate with us. I'm very trustworthy."

When he sat down, Zhang Yunhui insisted that Wen Ling sit in the upper position. Wen Ling refused for a while, and finally sat in the upper position. On the left and right, there were Zhang Yunhui and Zhang Qianxiu, and the others went down in turn.

At the beginning, everyone was just chatting. When the dishes were ready, Han Zhuoyue offered a round of wine, but Wenling refused to drink, instead of wine, tea.

Of course, Han Zhuoyue can't force him to do so. After this circle, there will be fewer times for everyone to raise their glasses. They are all waiting to get down to business.

Zhang Yunhui knew all the people and was familiar with all the operations. He said, "everyone, today we're going to talk about business. It's almost enough to drink. Let's discuss the next specific operation. How about it?"

We all have no opinions and agree.

Seeing that everyone agreed, Zhang Yunhui said, "all of our loan processes are through normal channels, but in this process, we try to reduce other people's participation in this matter. Boss Zhang submitted the loan application to manager Han and the bank chief directly."

"When the line chief submits it, he should try his best to give it to me directly, and I will give it to you for approval."

"There should be no other people inside the bank to intervene in this matter. At most, when they handle it, there will be people involved."

"The most important thing is boss Zhang, the factory on your side, which has to go through the corporate account, and your financial side should handle it well."

Loans generally have three levels of audit, the first is the business manager, that is, Han Zhuoyue; Then there is the loan audit, that is, Zhang Yunhui; Finally, Shan Hong.

Generally speaking, it is Zhang Yunhui who is most likely to get stuck in the loan. Han Zhuoyue wants to make achievements, and Shan Hong will pass as long as the first two pass.

Zhang Qianxiu said: "just now I and the director of the line also said this problem. It's impossible for me to do it without anyone knowing, but I will find reliable people to do it, and I won't let them know too much."

"I can't gamble on myself for the rest of my life."

If it had been in the past, Zhang Yunhui might have said a few more words, but seeing Zhang Qianxiu and Wen Ling know each other, he also nodded: "boss Zhang, we believe in your ability."

"Let's talk about the loan application again. We must take the mortgage loan. Boss Zhang, have your patents come down?"

Zhang Yunhui heard from Shan Hong that Zhang Qianxiu wanted to use patent as a mortgage.

Zhang Qianxiu shook his head: "not yet!"

Zhang Yunhui said: "it doesn't matter. As far as I know, Mr. Zhang, you have three factories, a rice shop and a partner in lottery."

"Even if the lottery, too many people participate, I heard that there are official in it, easy to have problems."

"Rice shop registered as a company, find a warehouse to rent down, put two rice mills."

"At that time, no matter what type of rice mill, write more."

"Also, the rice mill, you can find a way to rent a dozen, take photos and return it."

"And the expensive ones. You can just find a way to get some pictures from other places."

Zhang Qianxiu immediately thought of Hengchang rice factory. At that time, he just had to take photos: "this is no problem."

Zhang Yunhui said with a smile: "after the rice factory is finished, there will be a printing factory. Surely the printing factory has a printing press?"

"The printing factory is OK. It's estimated that the equipment inside can be worth more than a million." Zhang Qianxiu said.

"Million?" Zhang Yunhui was surprised and said: "it's easy to do. When the time comes, there will be one device, eight or nine of them. He has his own device, so he can take more details."

"Cannery and biscuit factory, the equipment can not do too much tricks, but the valuation can be written more, there is no problem to turn ten times and fifty times."

"As well as your company's performance and financial statements, we need to find a special financial report."

"Running water should be at least 30 million."

"There is also the size of the staff, write a seven or eight hundred people."

In fact, there is a problem with bank loans. In the early days, when you had a factory there, the bank liked to see your scale. If you had more workers, it proved that you had a large scale and a large output, so you could make money.

Later, the bank found that even if there were many workers in some factories, they might not make money and there were no orders at all.

Then, the bank likes to see the running water. You can always make money if you have a lot of running water, right? Can you always pay back?

But later it was discovered that there were some factories with tens of millions of running water and hundreds of thousands of net profits.

Later, the bank depends on the ratio of performance to profit. If you have performance and profit, it's time to make money, right?

But later it was discovered that many people registered multiple companies to "brush" their performance and profits, but in the end they still had no money to pay back.

Now in this era, bank loans, most like to see the scale, you scale, I will give you loans.

Zhang Qianxiu nodded: "no problem, you can deal with the audit problems. I can write anything here."

Zhang Yunhui and Wen Ling are surprised to see Zhang Qianxiu. The more fraud Zhang Qianxiu does here, the more trouble he has.

Of course, the more fraud, the more trouble other people have.

There is basically no technical content in loans, but they cover up with each other and cheat together. Some things, such as quantity and valuation, are written down ten times or even a hundred times; If you don't have anything, get some photos and write them down. Then the loan will come down naturally.

Discuss everything and make an agreement to start operation soon.