Rebirth in 1980, the rise of the golden age

Li Youcai spit out those three words.

The bank president was completely stunned.

"Sir, may I ask your name?"

Li Youcai said slowly, "My surname is Li, and my full name is Li Youcai. I'm the director of the Teng County Chunfeng Bakery, and I'm also the owner of the Teng County Farmers' Market and the Zhenweiju Restaurant. The hospitality competition two blocks away from you was also contracted by my company."

With each name Li Youcai read out, the bank president's face showed more surprise and excitement.

Then he hurriedly extended his hand again.

"My name is Wenjun, and I'm the president of this bank. I'm honored to meet you, Mr. Li, today. What a pleasure."

"Nice to meet you."

Compared to the polite handshake when they first met, Wenjun was much more enthusiastic this time.

"To be honest, I'm very familiar with the names of Chunfeng Bakery and Zhenweiju. I often eat the bread from your factory, and it tastes very good."

"I wonder if Mr. Li is taking out this loan in preparation for expanding his business?" Wen Jun asked tentatively.

The bank loan procedure is much simpler than that of a credit union, but there are also differences. Most bank loans require that the funds be used for their intended purpose.

For example, for corporate loans, banks even have supervisory powers and the right to recover the loans if they discover that the loans are being abused.

"That's right. Chunfeng Bakery has developed to this point, and has already built up a very strong reserve, whether in terms of technology, talent pool, channels, or management. This year and the next two years will be the period when Chunfeng Bakery will enter a period of rapid development."

"At this stage, if we have sufficient funds, the development of Chunfeng Bakery will be further expanded. Within a year, the sales network will radiate to the entire province, and within two years, it will radiate to the entire north. This is absolutely possible."

"So, I came here to see if I could borrow some money from you."

"This is some information about our factory. You can take a look at it first." Li Youcai opened the briefcase and took out the documents inside.

Wenjun took it with both hands, feeling very excited.

Wenjun is not a local. His ancestors lived in the imperial city, and he has seen some of the world. After the restoration of the Agricultural Bank of China, he was one of the first employees to join. In just four years, he became the president of a branch in another city.

This was achieved not only by the help of his family, but also by his own cleverness and intelligence.

After receiving the materials, Wen Jun did not rush to read them. Instead, he said to Li Youcai, "Mr. Li, please wait a moment."

"President Wen, please do as you please."

Wenjun sat aside, carefully looking at the materials given to him by Li Youcai.

As the pages turned, the light in Wenjun's eyes became brighter.

He was 100% sure that Chunfeng Bakery was an absolutely excellent asset. It would be a rare opportunity for any bank to have long-term cooperation with such a company with huge development potential.

After a long time, Wenjun finally finished reading all the materials, even the assessment made by the credit union for Chunfeng Bakery that was included in it.

Excitement was like a person who was digging wild vegetables in the mountains all day, and suddenly tripped and looked back to find a piece of gold. That feeling made Wenjun happy from the inside out.

"Mr. Li, I have to say that your Chunfeng Bakery is really good. One million is not a small amount. Please take a rest for a while. I will make a phone call." Wen Jun said very politely.

"Okay, easy for President Wen."

Now that he had already entered the room, Li Youcai was naturally not in a hurry. He sat quietly on the sofa in the reception room, drank tea, and waited slowly.

After Wen Jun left the reception room, he hurried back to his office, picked up the phone on the table, and quickly dialed a long-distance number.

Toot toot...

"Hey?"

"Qi Xing, my name is Xiao Wen. I have a big client here right now, the Taihe Chunfeng Bakery. They're planning to expand their business. I just checked their materials, and they're doing very well."

"Chunfeng Bakery? Can you tell me more about it?" Qi Yu, the second-in-command of the Heilongjiang branch, said softly on the other end of the phone.

"Okay, since the establishment of this Chunfeng Bakery..."

"I just checked his accounts payable. Their accounts are very clean and their revenue is very good. The annual output value has exceeded 35, and the profit ratio is as high as %!"

"Also, I've read about their products, and they're very competitive in the industry. This time, they're looking to loan one million, which exceeds our loan limit. Qi Xing, can I apply to the provincial bank for special approval?"

Just as Pengfei said.

China Agricultural Bank has only been established in Taihe for a short time, and its deposit-taking capacity and business volume are far from comparable to those of credit unions.

In addition, in this era, people have outdated ideas and prefer to keep their money at home.

Banks can only try their best to attract depositors and increase deposit interest rates.

Li Youcai wants to borrow one million yuan.

All the depositors' funds collected by China Agricultural Bank in Taihe added together are not enough to reach this one million.

The credit limit set by the provincial bank for the Taihe branch is also very limited and cannot meet Li Youcai's need to borrow one million yuan.

That's why Wenjun thought about applying for special approval.

"One million, that's really not a small number."

"Qi Xing, didn't you say that our Huanong Bank developed late and should take bigger steps? I have always followed your teachings. I think this Chunfeng Bakery is definitely an enterprise with huge potential. If we can bring it over, it will be a great boost to the Taihe branch."

"Don't use my words to shut me up, kid."

Qi Xing chuckled and then said, "If this company is really as good as you say, I can support you in this matter. However, I still want to remind you again: be cautious, serious, bold, and innovative."

"Thank you, Qi Xing! Don't worry, I have already memorized your eight-character mantra. Be cautious!" Wen Jun flattered him loudly.

"Go get busy, you little monkey."

"Hey, goodbye, Qi Xing."

After hanging up the phone, Wen Jun felt relaxed instantly. He straightened his clothes, left the office, and returned to the reception room.

Li Youcai sat on the sofa.

"Mr. Li, I've just contacted the provincial branch. We can accept your loan, but we do have some minor additional requirements. I hope you can understand."

"You said."

"We hope to be the bank for Chunfeng Bakery's future financial settlements," Wen Jun said.

"That's fine! I agree!"

Basically every bank requires its customers to do this.

There are many benefits for banks to do this. For enterprises, it doesn’t matter much where they open their business accounts. It mainly depends on which company has better service and lower management fees and transaction charges.

Li Youcai now wants to borrow one million here, and the conditions offered are not excessive at all.