Lin Hai didn't know about these things. It sounded like the friend that Vice President Zhao mentioned should be Scorpion himself. Lin Hai really didn't know what the relationship between Scorpion and Vice President Zhao was. However, Scorpion had performed many rescue or other tasks like him before, so it was indeed possible to know Vice President Zhao in this way.

"To be honest, it is not difficult to say that this loan is difficult. First of all, we must follow the normal asset appraisal process, and then give us whether the results meet the conditions for the loan, as well as the amount and interest of the loan."

"But if you just look at the situation you mentioned and this information, I can say that your conditions are still very difficult to apply for a loan. Even if you can approve it, there is not much to be told. It can only be said to be a drop in the bucket."

"Because your assets are not optimistic, what you call no liabilities is only one aspect, but our bank is not just looking at the liabilities, it is just one aspect. Let's put it this way, as long as you prove that your company has sufficiently good operation and development, good returns and sufficient repayment ability, it is not a problem even if your liabilities reach one billion."

"But you are just a brand new company and don't even have any revenue, so it's impossible to apply for a credit loan. It's completely unqualified because you don't have any turnover yet. Other fixed assets are only about tens of millions. If you want to use a mortgage loan, the amount may not meet your development needs."

Lin Hai nodded. What Vice President Zhao said was very real, of course, and not optimistic. However, this is the reality, so Lin Hai could only listen and see if there were other methods. After all, he really needs money very much now, and it was a large amount of funds.

"As for the personnel, it is even more impossible to calculate the assets. At least when our bank evaluates, the standards we consider as security companies will definitely not be the same as those of the personnel you treat. To put it bluntly, everyone depends on the value that can be generated by personnel. This is not wrong, but we also need to consider the risks behind it, such as the business output value that these personnel can bring. This is real money and risks."

"Because you cannot guarantee that even if you have these personnel, you will be able to generate corresponding turnover and profits, and you must also consider the turnover and other personnel, so it is difficult to make corresponding valuations in this part. At least, the results will definitely be completely different from your ideal."

"Also, your company has always been unsatisfactory in its business conditions, and it is not considered a high-quality customer for our bank. This historical record is not optimistic. In addition, after a series of changes in entities and legal persons, it is equivalent to being a new company. I wonder if you have ever learned about it. Generally, newly established companies will not be approved for loan applications."

Vice President Zhao explained very seriously, Lin Hai listened patiently. Fortunately, he was mentally prepared and knew that this matter was not that easy. Otherwise, Zheng Long would have tried his best to get a loan and invested in improving the company's operations.

"Actually, although I am not professional enough, I know that loans are not that easy, but no matter what, I still have to try it." Lin Hai said with a smile.

Vice President Zhao nodded: "There is no way. I must explain this situation to you first. After all, these funds are the assets of the state or bank. As the gatekeeper of this loan, we must strictly control and be responsible for our own behavior and state assets."

"But it doesn't mean that you can't apply at all, or you can only apply for a small part." Deputy President Zhao said in contemplation, "To be honest, if you follow the general review standards, I will definitely refuse your application directly, and I can't even get to my place."

"But since my friend has told me that I believe her character, she will not say that she will do anything that may harm the interests of the country and ask you to come and apply, then I believe that she must believe that you have the ability to bear this responsibility. Including the development plan I have seen, I believe that there is some truth to it, but the specific ones still need to be used for a formal evaluation."

"You know this, you know and I know this, but that's all for this, letting outsiders know that it is not only bad for you and me, but also bad for my friend. She put down her gaze and identity and specifically asked me for this matter. I guess she attaches great importance to you, so she must not make any troubles for her."

I have to say that the people Scorpion is indeed very reliable.

Vice President Zhao continued: "It is not only because of this, but also because the security industry itself is a special industry, which plays an extremely important auxiliary role in maintaining social stability and security. Especially in an international metropolis like the East China Sea, this industry is indeed attracting more and more attention and will gradually attract more policy support."

"My idea is of course to help this as much as possible, so first of all, you bring the original company's transfer procedures and contracts to prove that there is a contract relationship with the previous company entity and that the company has a normal operating period. In this way, the approval will be approved first."

Lin Hai carefully remembered that Vice President Zhao was talking about professional things, but they were all very simple and he could understand them completely.

"Then you can apply for a mortgage loan first, and I will lend as much as possible on the amount, including interest."

"At the same time, because you are self-employed, Donghai City is currently vigorously supporting individuals' self-employed behavior, so there are a large number of entrepreneurial funds and loans, with a relatively low threshold and very preferential interest. Our bank also has this project."

"Security companies are emerging industries with low input and high output, and can better attract social personnel to drive employment. Therefore, if you meet such conditions, you can apply for this loan in a combination form. This way..."

He thought for a while: "The specific one depends on the evaluation results, but you should be able to lend out tens of millions."

"To be honest, this is my limit. After all, the operating conditions of your company are completely unknown at the moment. All I can do is to provide the maximum support within the scope permitted by the policy, because I cannot say that I will use the money from the bank and the country as my own assets to squander it, so I can only help you so much at the moment."

"If it is proven that you do have this ability and the company is in good condition, you can further apply for other loans."

Lin Hai's current demand for funds is of course the better. He won't think it's too much if you give him hundreds of millions of dollars, but he also knows that according to the security company's situation, it's good to apply for a loan, and it's enough to alleviate his urgent needs for a long time.

So he smiled and thanked him, and then asked in detail what materials and application procedures needed to be submitted.

These are all specific businesses. Vice President Zhao is also very busy, so he asked a manager in charge of the specific loan business to come over to explain in detail to Lin Hai. To be honest, generally, he would not accept loans of the same level as Lin Hai and would not come forward at all. This is a complete exception.

The business manager told Lin Hai in detail what materials needed and what processes it needs to go through. After all, Lin Hai had to go back and forth several times, because many materials had to be issued certificates and stamped at other departments, and they had to submit them and wait for the results. They all had to run one by one. It was impossible to get the result out at that time. After all, a loan of tens of millions is not about going out to borrow money from friends. The bank has its own process, so it is not that easy.
Chapter completed!