Chapter 389 How to get a loan of 100 million (4)

There is actually not much to talk about during the meal.

Everyone knows the real purpose of tonight's dinner, but it would be too straightforward to discuss. It's not like college students doing group assignments. The system is all about "implicitness."

Everyone just talked about the economic situation, how to keep healthy, and recalled the ups and downs of CUHK’s development over the years.

Chen Zhu rarely spoke and just concentrated on toasting.

He should be a little transparent at this time, because even Lu Jieying was quietly listening to the four bosses bragging.

Until Principal Xu accidentally revealed that the Zhongda Venture Capital Company under the school also gave Chen Zhu a retroactive low-interest loan of 10 million.

"10 million?"

Zheng Wenlong's face moved slightly and he couldn't help exchanging glances with the director of the credit department.

Even the school can support 10 million, but as a bank, it is really not feasible for me to approve less.

Zheng Wenlong originally planned "2 to 3", but because of his good impression of Chen Zhu, he chose the highest "3"

But now I heard that the school has loaned "1", and after weighing it, the standard in my heart has been raised to "3 to 4".

But it hasn't broken "5" yet.

It wasn't until Chen Zhu took the opportunity to hand over the past three months' reporting of Traceability Technology that Zheng Wenlong flipped through it and handed it to Lu Jieying, director of the credit department.

Lu Jieying is a senior person in charge of this aspect. He only turned a few pages and saw that the retrospective financial structure is sound, the scale is constantly expanding, and it has stable cash flow.

Even this financial report is very professional, unlike some companies that make a lot of money, but the accounting methods are very old-fashioned and do not understand how to keep pace with the times.

This kind of company is considered a relatively high-quality A+ company in the credit department of the bank.

"What are your plans after going back in time?"

After Lu Jieying read it, he raised his head and asked.

Even though Chen Zhu had toasted him with several glasses of wine just now, at this moment Director Lu was like a teacher checking students' text recitation, with a meticulous and serious look on his face.

Chen Zhu has many plans, but they are all too unbelievable for the bank.

He also knew what Lu Jieying wanted to hear. Taking too big a step increased the risk, and banks often did not dare to bet against it.

Therefore, Chen Zhu replied calmly: "On the current basis, we will continue to expand our market share steadily and steadily, and try to capture half of the country's share by the end of the year."

This answer made Lu Jieying quite satisfied.

Young people should not be too ambitious. If we maintain the current profit range and capture half of the country's market share, the annual profit is estimated to be tens of millions, enough to repay the loan interest.

"Xiao Chen's plan is still feasible."

Lu Jieying gave a bland conclusion.

But don’t underestimate this conclusion. “Mediocre” just means that the risk is very small.

If Lu Jieying answered, "Mr. Chen has great ambitions, and I believe that in three to five years at most, he may become one of the top 500 companies in the world," Zheng Wenlong would not grant Chen Zhu too much credit even if he offended the school leaders.

"Maybe we can break 5."

Zheng Wenlong picked up the cup and touched it with Chen Zhu who came over to toast, and made this decision in his heart.

After three rounds of wine and five dishes, I stood up and went out as if I were going to the toilet.

The table was filled with "veteran experts" who had been in Vanity Fair for many years, although everyone looked drunk.

But as soon as Chen Zhu raised his butt, they knew they were going to check out.

"Chen Zhu is not very old, but he is very eye-catching. He even knows the time to pay the bill just right. No wonder Lao Xu Laoshu and others are willing to help."

Zheng Wenlong, whose face was flushed, fell back on the chair, panting heavily, as if he had been drunk until he was unconscious. In fact, he had been observing Chen Zhu's behavior from the corner of his eye.

Chen Zhu did pay the bill, but it was more than just the bill.

After paying the bill, he quickly came to the parking lot, asked Ma Haijun to help him move all the gifts to the Audi car, and then knocked on the car window "dong dong dong".

The driver inside seemed to be on the phone. After rolling down the window, he stared at Chen Zhu and Ma Haijun impatiently.

The status of the leading driver is directly proportional to the leadership status. Zheng Wenlong is the vice president of the provincial bank. Although he cannot be said to be extremely powerful, his social status is not low.

As his full-time driver, it's normal to have some airs.

Chen Zhu would not argue with a driver. He said politely: "I am Xiao Chen who is having dinner with President Zheng tonight. I have some things to carry to the car."

"Oh, that's it."

The driver is used to this situation.

Then he saw the box Chen was carrying, so he hung up the phone and said, "Wait a minute, I'll open the trunk."

Chen's eyes were sharp. When the driver hung up the phone, he glanced at the phone screen and found that he was chatting with someone marked "Dear".

Chen Zhu guessed that this was not his wife. Some bosses and drivers like to pretend to be powerful and act cowardly in front of the boss, but they are very good at pretending to be coquettish when picking up girls outside.

Chen Zhu often met him when he was working at the grassroots level, but it was less common in provincial units.

After the driver opened the trunk, Chen Zhu first put the things in the trunk, and then carefully stuffed the two paintings in.

The driver said jokingly: "Oh, the information is very accurate. He actually knows that our President Zheng likes to study these things."

Chen Zhu smiled and didn't respond, but took out the two packages of bulk Chinese medicine he had prepared before and handed them over.

This driver was not as worried as the driver at school, so he just reached out and took it.

But after taking advantage of it, his attitude was obviously much more polite, and he even helped to tidy up the trunk together.

"Both Mr. Zheng and Director Lu have a share of cigarettes and wine, but the painting belongs to Mr. Zheng."

Chen Zhu warned: "When we get downstairs to their house, I'll have to help you move it, big brother."

"No problem! Brother, your business is my business!"

The driver agreed wholeheartedly, as if he had helped Chen Zhu a lot. In fact, these chores were what he was supposed to do.

How can a driver who has no life in his eyes be qualified to drive for a leader?

After Chen Zhu finished carrying the gifts, he returned to the private room and found that the waiter was already cutting fruits and making strong tea to relieve his hangover, which meant that the meal was about to end.

However, everyone has a tacit understanding and there is still no negotiation on the loan amount.

Chen Zhu didn't panic at all, he had experienced this kind of thing himself.

One time when he was helping someone coordinate work, Chen Chu didn't talk about specific matters during the dinner. It wasn't until he was about to leave that he said to the person: "Come to my office tomorrow and we'll have a chat."

I guess this is also the case today, which is in line with the "implicit" style of the system.

As expected, several people drank a few more pots of tea and felt that it was almost time. Zheng Wenlong looked at his watch and said to Lu Jieying, director of the credit department:

"Give the phone to Chen Zhu, and you and I, my junior brother, can make an appointment to talk tomorrow."

What Zheng Wenlong meant was to ask Chen Zhu to meet Lu Jieying tomorrow to discuss the loan amount.

As soon as these words came out, the air in the box stagnated for about 0.1 seconds.

Sometimes it's like this, when everything suddenly quiets down, it's obviously just a blink of an eye, but everyone feels that this moment is so long.

Finally, it was Chen Zhu who took the initiative to break the condensed air. He said with a smile: "Director Lu has given me his business card. I will contact Director Lu tomorrow to report on the work."

"Harmful! What kind of report should I not report?"

Lu Jieying waved her hand and said: "Suhui is an Internet company with great potential, and I also want to know the specific operating model.

At this point, it was basically settled, but Shu Yuan was a little uneasy.

If only 10 million is granted in the end, wouldn’t this meal be in vain?

Shu Yuan really valued Chen Zhu, and he had the idea that the brilliant achievements of Zhongling Academy in the past ten years would eventually be carried forward in the hands of this student.

Therefore, Dean Shu deliberately said: "Chen Zhu, I won't have time to accompany you tomorrow. The next step in retrospect will all depend on the strength of President Zheng's support for you."

No one here is a fool. Zheng Wenlong knew it was a test as soon as he heard it.

He thought for a moment and thought it would be better to get to the bottom of it.

When the school celebrates its centenary in 2024, I have already retired for several years. At that time, I still wanted to get an invitation from the school.

Maybe it depends on whether Chen Zhuo's generation will give him face.

"Director Lu."

Zheng Wenlong did not tell him directly, but related to another matter.

He said: "I remember there was a technology company a while ago, which was about the same size as Backdating, but its financial situation was much more chaotic than Backdating.

It seems like they just took out a loan of 50 million."

".yes."

Lu Jieying agreed, feeling surprised in her heart.

That company was able to borrow 50 million yuan because the founder's uncle was the leader of the Provincial Development and Reform Commission, and Chen Zhu had no such relationship.

Could it be that Governor Zheng wants to conduct benchmarking?

"I think the retrospection is not too bad, hahaha~"

Zheng Wenlong took a sip of tea and said "haha" with a smile.

He didn't say anything, but he seemed to have said everything.

"Forehead·--.

Lu Jieying pondered for a moment. His own opinion was not important. The leader's opinion was the final decision.

Under the watchful eyes of the three school leaders of CUHK, Lu Jieying seemed to be "ignorant of praise" and actually did not agree.

He said awkwardly: "The retroactive application is still different from that of that technology company. Theoretically, you cannot get the same quota, but I will wait until I learn more about the specific situation tomorrow."

But as soon as these words came out, everyone in the CUHK department breathed a sigh of relief.

If Lu Jieying says: "Theoretically it's possible, but we have procedures...", then you need to be more vigilant.

When hiring someone to do something in the workplace, if the person says "Theoretically (in principle) it's possible -", it may actually mean "no". If he says "Theoretically (in principle) it's not possible -", it actually means there is room for maneuver.

Another one is "This thing is difficult to do-", which actually means "can do it".

If we say "I'll try my best to do this -", ​​that's the subtext of "It can't be done".

Look, this is the beautiful art of Chinese language.

Xu Ning and Shu Yuan can get a quota of 50 million retroactively, which is very satisfying for Xu Ning and Shu Yuan, and they will not feel that they are not respected.

But Chen Zhu was a bit too little, but he still had his ultimate move left behind, so he followed him downstairs calmly.

Some people may think that if a company has been established for a few months and has no fixed assets, how can it get a loan from a bank?

In fact, it is very simple. Find a third-party company to evaluate the retroactive market value.

How much money you need to borrow will determine the corresponding mortgage value.

Will the bank admit it?

Guaranteed.

Because the third-party company is what the bank introduces customers to.

When they arrived at the parking lot downstairs, everyone was shaking hands and saying goodbye. When it was Chen Zhu's turn to shake hands with Zheng Wenlong and Lu Jieying, he lowered his voice slightly and said,

He said to the two of them respectively:

"Senior Brother Zheng, Director Lu, I brought some local products from my hometown and put them in the trunk of your car.

"Souvenir?"

Zheng Wenlong and Lu Jieying are both a bit different. Neither of them is a novice about this bullshit local specialty. It's just another obscure way of saying it.

Is it possible that there are really people using dried peanuts, jujubes and small fish to test cadres now?

It is true that Chen Zhu is more mature than a college student, but he actually secretly takes things to the car. This is simply a smooth old Jianghu way of doing things.

Are all young people today already so powerful?

Not only that, Chen Zhu also added a special sentence: "Some bottles and cans are easier to break. Senior Brother Zheng and Director Lu should be careful [handle them with care]."

When Lu Jieying heard this, she almost shouted "Holy shit".

This clearly implies to us that there is something fishy in the wine box!

"Chen, there's no need for this. Just take your things back."

Zheng Wenlong frowned. He still wanted to be more simple. He just wanted to help his outstanding junior fellow students as a graduate of CUHK.

How did it finally become like a transaction?

Chen Zhu doesn't think so. For Vanity Fair, only bundling interests is the best way to cooperate.

"Senior Brother Zheng."

Chen Zhu did not agree, but said:

"A friend left me two paintings before he went abroad."

"But I don't have any artistic talent, so I kept leaving them in the corner to gather dust. I almost threw them away like garbage several times. "I heard that you like to paint a few strokes in your spare time. You must know how to keep these works, so I took it upon myself to make the decision.

These two paintings are stuffed together with those specialties. I hope you can help take care of them."

"painting?"

If giving gifts only surprised Zheng Wenlong, but he could still understand.

Then sending a painting is completely unexpected.

Although Chen Zhu didn't say it was Gao Jianfu's work and deliberately left a suspense for Zheng Wenlong to reveal by himself, Zheng Wenlong was more than 90% sure that it was the work.

This kind of gift is delivered to the heart, and the other party cannot refuse it at all. Even the souvenirs are no longer refused, and they even get in the car.

My mood is still ups and downs and surging.

The Audi slowly left the parking lot of Lei Garden and drove smoothly on the inner ring road.

Zheng Wenlong, who was sitting in the back seat, silently watched the traffic passing by on the road through the dark car window.

Like stars swimming in the Milky Way,

Lu Jieying, the passenger in the passenger seat, looked at the leader through the rearview mirror, moved the corners of his mouth to say something, but finally endured it.

He knows the leader's hobbies very well. If it were really Gao Jianfu's work, the loan amount would probably be increased.

As a subordinate promoted by President Zheng, I am shouldering the burden of responsibility for the leader.

How to find a way to increase the loan limit suddenly became Lu Jieying's biggest problem at the moment.

Lu Jieying lives in a flat-floor apartment in the city, but Zheng Wenlong's home is a villa a little further away, so the Audi car takes Lu Jieying back first.

After arriving downstairs, in front of the two powerful leaders, the driver did not dare to show off and quickly opened the trunk and started doing hard work.

When she saw that the so-called "specialties" were Maotai and Zhonghua, Lu Jieying smiled bitterly, but do you dare to say that these are not "specialties" with unique Chinese flavor?

After returning home, Lu Jieying looked at the two boxes on the ground and remembered what Chen Zhu had said, so he found a pair of scissors and gently opened the seal of the Moutai wine box.

Sure enough, there was a stack of things wrapped in newspapers.

Lu Jieying picked it up and weighed it twice. It was as thick as a brick, but its price was comparable to gold.

"Hey~"

Lu Jieying sighed quietly, "You are so soft on others!"

Zheng Wenlong's reaction was different from Lu Jieying's. He was not interested in cigarettes, alcohol, newspapers or bricks.

After closing the door, I couldn't wait to pull out the two paintings.

It is really the work of Master Gao Jianfu!

The first painting, "Pyrenees Prey," shows the majestic bald eagle with its steel talons clinging to the treetops. Its eyes are full of disdain for the world, leaving only a scornful look at the sky.

"Mok rain flies across the sky, heroic spirit strikes people" is simply a perfect summary of this painting.

Zheng Wenlong admired it for half an hour before suddenly remembering another painting.

He was so immersed in the bald eagle's majesty that at first he just took another painting over at random.

Then, he looked stunned for a moment.

Then, as if he couldn't believe it, he brought his eyes as close as possible and looked at it bit by bit, frame by frame, inch by inch.

Finally, when he finally confirmed that it was an authentic work, his arms began to tremble uncontrollably.

leave!

"Peony"!

This is "Paeony" by Gao Jianfu!

I never dream of owning such a painting!
Chapter completed!