Rebirth 2004: I can make money by writing.

In the afternoon,

Hao Qiang was about to go to the classroom for class when he suddenly received a call from the financial manager Jiang Ying.

"Boss, Qiao Shan, the president of the Zhongda branch of the Zhonghang branch, would like to meet with you to discuss loan matters. When would be convenient for you?"

"Oh, that's quite unexpected. You even came to my house in person. Manager Jiang, thank you for your hard work. I think you have a way." Hao Qiang was pleasantly surprised when he heard the news.

Recalling that at the end of last year, he had visited various banks many times, but was often met with cold reception and failed to successfully borrow a penny.

In the morning, he was still worried about the problem of investment funds for the factory and even considered selling stocks to raise funds.

Unexpectedly, he just mentioned this matter to Jiang Ying and didn't hold out any hope, but what he didn't expect was that she would come to him in person.

Someone really gave me a pillow when I was sleeping!

Things are unpredictable.

Boss, you're very kind. All our employees' bank cards are opened at their bank, and that's hundreds of people.

In addition, we have business flow in two stores, which are real achievements.

In addition, we are about to open two new chain stores, the company will have more and more employees, and the turnover will become more and more considerable.

The company is operating well, and this is obvious to all.

In addition, it just so happens that banks have loan tasks at the beginning of the year, and since you have a good reputation, it won't be difficult to get a loan.

I mentioned it to their business manager and explained the details, and soon I met with their president. President Qiao took it very seriously and wanted to meet with you in person," Jiang Ying explained methodically, unaware of her boss's previous experience with the bank.

Of course, she is familiar with banking business, knows how to communicate with key people, and is well versed in the bank's operating mechanisms and pain points.

As Hao Qiang listened to Jiang Ying's narration, he felt that everything was not as simple as it seemed.

Unexpectedly, recruiting Jiang Ying gave him a big surprise. He is really a talent.

As expected, it is wisest to leave professional matters to professionals so that they can achieve twice the result with half the effort.

After a moment's thought, Hao Qiang decided, "Manager Jiang, let's set the meeting at three in the afternoon. You can come along and help me with some advice."

"Okay, boss." Jiang Ying felt very happy that she was appreciated and valued by her boss.

It seems that I have to take another afternoon off.

After hanging up the phone, Hao Qiang sent another leave message to the counselor: Teacher Qin, I have some business to discuss with the bank in the afternoon, so I need a leave.

In fact, it doesn’t matter if he doesn’t ask for leave.

But telling Qin Jian shows respect for him.

After a while, Qin Jian replied: OK, got it, Boss Hao.

Hao Qiang has many reasons for asking for leave, and sometimes some things surprise him.

In fact, the dean had already informed him in advance that for outstanding students like Hao Qiang, who wanted to start their own business outside, as long as they did not fail any courses, he could arrange everything else.

……

At two o'clock in the afternoon, Hao Qiang came to the company.

He first met with Jiang Ying and revealed some information to her, telling her that no matter how much the bank interest rate was, she would borrow as much as she could.

Jiang Ying thought that the boss just wanted to expand the business quickly through loans.

At 2:30 in the afternoon, Qiao Shan came to the Renjian Fireworks Company with a female assistant and brought two boxes of tea as a gift.

It’s my first time here, and I took a quick look around and felt it was pretty good.

For big customers, he will take the initiative to visit them and will not wait for business to come to him.

The loan business that comes to him proactively is usually from companies with poor performance, which is not what he wants.

Countless banks are vying to cooperate with those large companies with good performance.

The biggest reason why he was able to become the bank president was that he was able to successfully attract high-quality business.

It can be said that the president of a branch is the biggest salesperson in the bank.

Of course, he also has connections, otherwise it would not be so easy for him to become the bank president.

Unless one has a family that has tens of millions of yuan deposited in the bank, he can also become the bank president.

After meeting Hao Qiang, President Qiao Shan was extremely polite. He extended his hand enthusiastically to shake hands with Hao Qiang and said, "Mr. Hao, I have heard of your great name for a long time.

I really like your songs and often see you in the news."

Zhonghang Zhongda Branch is located near Zhongda University, and Hao Qiang is indeed very famous near Zhongda University. President Qiao Shan did not lie.

The female assistant he brought with him also expressed admiration after seeing Hao Qiang.

Hao Qiang is young, handsome, talented, and financially strong, and is undoubtedly the dream lover of many women.

Hao Qiang greeted them warmly, shook hands with them, and led them into his office.

After both parties sat down, Jiang Ying poured them tea.

After taking a sip of tea, President Qiao Shan said bluntly, "Mr. Hao, we are all very familiar with your company's reputation and performance in the industry. Thank you very much for choosing us to handle your payroll business.

We are actively contacting you this time, hoping to establish a long-term cooperative relationship with you."

"Oh, tell me about it." Hao Qiang pretended to be ignorant.

“We at Zhonghang have always been committed to providing excellent enterprises with a full range of financial services, including loans, wealth management, settlement and other aspects.

I believe that our cooperation can bring more development opportunities and financial support to your company."

"President Qiao, our company isn't short of funds; we're short of large amounts. If the loan amount is too low, say two or three million, I'm too lazy to apply. I already have several million coming into my account every month, and there will be even more in the future."

“Of course, we are very willing to provide loan support for your company.

Of course, the specific loan amount, interest rate and other details will depend on the score."

After hearing this, Hao Qiang felt something in his heart. This was exactly what he expected.

Next, the two sides discussed the details.

Hao Qiang didn't have any fixed capital collateral, so the key was to look at the company's cash flow. Jiang Ying gave the prepared information to Qiao Xingxing for review.

President Qiao suggested that if the copyrights of the three songs were used as collateral, the loan credit limit would be higher.

Hao Qiang thought about it for a moment and had no objection.

Finally, considering the market performance of Hao Qiang's company and the three songs, as well as his credit status and repayment ability, and combined with the branch's loan policy, the loan credit limit was 20 million yuan.

The loan credit limit is the maximum overdraft amount. Hao Qiang can borrow as much as he wants, but the total amount shall not exceed 20 million yuan.

The loan period is two years and the annual interest rate is 6.2%.

Hao Qiang was very satisfied with this annual interest rate and thought it would be more than 8%.

Next, Jiang Ying will be responsible for handling the loan procedures.

President Qiao promised to arrange the loan approval and issuance process as soon as possible.

Hao Qiang and Jiang Ying expressed their sincere gratitude to President Qiao for his support and help, and looked forward to establishing a closer cooperative relationship with Zhonghang Zhongda Branch in the future.

After watching President Qiao leave, Hao Qiang's face was filled with joy. This loan solved his urgent needs.

Factory investment funds are no longer a problem.