Rebirth in 1998 is also a kind of life

After the bid was unveiled, a total of 17 trading companies were shortlisted as potential partners for the Quancheng Soda Factory, including two trading companies in Jiangxi and Jiangsu.

After two days of one-on-one detailed communication, 6 merchants finally could not accept the harsh requirements of Quancheng Soda Factory and gave up their places; so this investment promotion conference ended with a not-so-perfect result.

………………

It was the night after the closing of the Merchants Conference.

In the courtyard, the two giants of Zhutou Trading did not feel complacent because of the limelight at the investment promotion conference. Instead, they sighed sadly after pressing the calculator for a long time.

"Hey, I'm talking about Director Yan, isn't it just two bucks, what about it?" Daguan Yang, who ran over to grab Lu Wenlan's skewers, ate a bunch of chicken skin heartlessly.

"What is two broken money? Brother Yang, General Manager Yang, and Ancestor Yang, this is a total of 367 million!!" Chen Xiang looked at Yang Zhu, who looked indifferent, and was so anxious that he was about to jump.

Director Yan blamed himself: "Hey...it's all my fault. I thought things were too simple at the beginning. I thought that the distributors we were looking for didn't live in very good places and the rent was not expensive. In order to make up enough money as soon as possible In order to solve their difficulties, we promised them that we can advance the rent and other expenses of opening a store. Unexpectedly..."

"I originally thought that the money in our company's books should be enough. Even if there are some gaps, it's a big deal for us to mobilize the workers. It shouldn't be a problem to get it together."

"As a result... after initial contact there, it is different from the half-year or quarterly settlement we envisioned; almost all landlords require at least one year's rent at a time, with a 2-month deposit, and many landlords listen to it. When we will carry out the renovation of the store, we will ask for an additional rectification fee; in addition, 36 people have applied for assistance subsidies because of their difficult life; after all this, it will cost 367 million; this is far beyond our expectations."

"It's all my fault. I didn't do enough research beforehand, ignored regional differences, and thought that the situation in the three provinces in North China was similar, which is why this mess happened!"

Yang Zhu shrugged his shoulders, it would be good to let this stubborn old man have a better memory. These days, people from the same village from ten miles away still have different pronunciations. Do you think that all places will be like the edge of Quancheng, and the rent will be paid quarterly with 0 deposit?

Seeing that Yang Zhu was still eating the skewers leisurely, although Chen Xiang could probably see that this guy had already found a solution, but he was really not in the mood to watch this animal put on a show about you, my lord. Panic drama: "My little ancestor, if you want to eat grilled skewers, you can solve this problem before eating it? At worst, I will invite you to eat three hundred skewers without blinking!"

Seeing his appearance, Yang Zhu had no choice but to put down the chicken ribs in his hands, and sighed: "What a simple thing, the company has no money in the account, so just ask the bank to borrow it? As for making you so anxious?"

Chen Xiang originally thought he had some good idea, but this is the result?

"Bah! You think we haven't thought about it!? It's not going to happen at all!" Chen Xiang sat down on the chair with a little dejection.

"Banks have always been ignorant of private companies, especially small companies like ours that have just been established, and even ignore them;"

"Thinking about it, we don't even have much of the minimum book flow, not to mention the company's account opening time is short, there is no important guarantor, and there is no acquaintance in the banking system, who would have the guts to lend such a large amount of money to the bank? Us!"

Yang Zhu sneered: "You are not happy to say that you are stupid, who told you that we have no guarantor? And...do you think that with running water or so-called acquaintances, you can impress the bank and ask him to lend you a loan?"

This time, not only Chen Xiang, but also Director Yan and Lu Wenlan were stunned.

"Xiao Zhu, what do you mean by that? When did we have a guarantor?" Lu Wenlan took a bunch of freshly roasted chicken butts and stuffed them over with great insight.

Yang Zhu didn't care about the heat, took a bite of the phoenix tail meat, and then said with a satisfied face: "Well, anyway, it's something you will often come into contact with in the future, so I'll explain the logic to you .”

Seeing the three of them humbly studying, Yang Zhu picked out his ears: "First of all, you must understand a truth, the essence of business cooperation is a naked exchange of interests!"

"In the face of sufficient interests, nothing is easy to use. Any contacts, friendships, etc. are all nonsense-including certain ostensible regulations."

"Let's analyze what are the pain points of those branch managers now that banks are gradually becoming commercialized? Or, what are they most concerned about."

Hearing Yang Zhu's question, the minds of the three began to spin rapidly.

"The rate of return after lending." This is Chen Xiang's answer.

"The safety of returning funds." This was Lu Wenlan's answer.

"..." The stubborn old man remained silent. His only contact with the bank was the passbook sewn into the pillow. Don't expect him to come up with any ideas.

Yang Zhu threw away the bamboo stick: "It's all right, but it didn't talk about the essence."

"Those branch managers are most concerned about their seats!"

"Seat problem?" The three were stunned.

"That's right, no matter what they do on the surface, those branch chiefs only care about two things in their hearts;"

"First, will it be helpful for promotion after doing it yourself?"

"Second, if you fail, will you lose your seat!"

The stubborn old man frowned: "It doesn't matter if you said this or not. Which official doesn't think so?"

Yang Zhu rolled his eyes: "Don't be in a hurry, old man, wait for me to speak slowly."

"Everyone is not very familiar with the banking system, so you may not know that, in addition to the loan lending rate and the recovery rate of funds, there is another very important indicator for the assessment of each branch of major banks... that is deposit attraction .”

"Actually, this is also easy to understand. If you don't have enough deposits to attract money, what do you use to lend money? Do you rely on empty checks?"

As if a flash of inspiration flashed, Chen Xiang lost his voice and said, "Could it be that you want to...?"

Yang Zhu nodded: "That's right, as long as we find a bank that is willing to negotiate with us and promises to open all distributors' accounts at their fulcrum, and all private savings and business transaction funds will go to these accounts, then is it right?" Our turnover is also available, and his deposit-absorbing task has also been solved?"

"Hmph, you know, including our campus agents and those special channel distributors, we have nearly 500 people! With so many high-quality depositors and such a big piece of performance pie, which bank is not tempted?"

Director Yan interjected: "But... this is all in the future, what if people don't scatter eagles when they don't see rabbits?"

Yang Zhu nodded: "So, this brings up another issue I just mentioned - high-quality guarantors!"

"People may not be very clear that state-owned enterprises, especially well-run state-owned enterprises, have the qualifications to grant credit to others, and the banking system also recognizes this."

"So, as long as the Quancheng Soda Factory walks through the procedures for us to cast investment and trade, grant a letter of 500 million yuan, and then issue a letter of guarantee. The bank will have a high-quality guarantor to bear the consequences, and it will naturally be easy to talk."

"Huh, when the time comes, one step forward will be a big performance cake, and the next step will be the responsibility of the Quancheng Soda Factory. At that time, those branch managers will come to ask us for a loan instead of us begging them to lend a loan!"

Hearing Yang Zhu's words, the three looked at each other;

Damn, can you still play like this with a loan? ?