Chapter 9 Winner Takes All
Chapter 9 Winner Takes All
[Customer Name: Longteng Technology Co., Ltd.
Legal Representative: Kang Chi,
Application Amount: 200,000,
Loan Purpose: Construction of Daqin Optical Production Line,
Loan Term: 6 Months,
……]
Zheng Zhinan looked through the loan application form in his hand, then looked up at Kang Chi opposite him and asked with a smile: “Mr. Kang, what does your company’s Daqin Optics produce specifically?”
”Making lenses.”
”Making lenses?”
”Yes, the kind of lenses installed on cameras.”
”……”
Seeing the embarrassed expression of the bank manager, Kang Chi quickly added: “In fact, it is not only making lenses, but also making cameras and the like in the future.”
”!??”
Zheng Zhinan was even more confused.
After a while, a professional fake smile reappeared on his face: “I understand, please wait for a moment, Mr. Kang, I will help you apply to the leader now.”
”Okay, thank you.”
Kang Chi nodded, and then he started to browse his phone in boredom.
”Mr. Kang, I’ve been waiting for a long time!”
After about two minutes, Zheng Zhinan came back.
In fact, he just went to the toilet. He had already labeled Kang Chi as a loan fraud in his heart, and the so-called asking for instructions from the leader was just perfunctory.
”I’m sorry, our leader believes that the investment risk in the field of lens and camera manufacturing is too high, and you are a new company that was just established two days ago. In the absence of any collateral, according to the regulations of our bank…”
”Can’t get a loan?” Kang Chi interrupted Zheng Zhinan’s long speech.
“You can get a loan,” Zheng Zhinan smiled, “but you need to sign a personal guarantee, and the amount can only be 100,000.”
Kang Chi: “…”
Under normal circumstances, if a limited liability company goes bankrupt, as long as there is no illegal operation, shareholders usually do not need to bear the company’s debts,
But if a personal guarantee is signed, it means that the individual will also bear the company’s debts.
So what’s the difference between this and a personal loan! What about encouraging corporate technological innovation and supporting small and micro enterprises?
”100,000 is 100,000, how do I write the guarantee?”
Kang Chi can only settle for the next best thing.
Anyway, he has absolute confidence that he can make the money back in a short time.
In fact, strictly speaking, corporate loans are corporate loans, and banks decide whether to lend based on their assessment of the company; if they think the company’s prospects are not good and the risk is too high without asset guarantees, they will simply not lend.
Zheng Zhinan’s practice of guiding personal credit investigation to link with corporate loans is a typical example of loans being granted, risks being borne by you, and interest being earned by me.
The key is a winner takes all!
”Master Kang?”
Just as Kang Chi was copying the guarantee letter according to the template, a sweet voice suddenly came from behind him.
To be honest, everything else about maintenance is fine, except that from time to time someone affectionately calls him: Master Kang.
It sounds awkward.
Is it not okay to call him Boss Kang or Mr. Kang?
Kang Chi turned his head with a dark face and hesitated for a moment before he said, “Producer Zhang?”
”Why, don’t you recognize me?”
The girl who greeted him was dressed in a professional suit. She was dressed decently and her shoulder-length hair made her look particularly capable.
Beside her, there was a bank manager who looked like he had just finished helping Zhang Qing with her business and sent her out. “Hmm…” Kang Chi quickly searched for information about the girl in his mind, and said, “I haven’t seen you for so long, you have become so beautiful? I didn’t recognize you for a while.”
This is not a compliment, but a heartfelt praise.
The girl’s name is Zhang Qing. Although she is not very old, she is actually a well-known producer in Hengdian. When they met two years ago, she was just an unknown producer.
At that time, the funds for the project she invested in were stretched to the limit. In order to save money, she didn’t even buy insurance for the equipment. As a result, what she feared came true. A shooting accident happened, damaging three lenses and two cameras.
After the accident, Zhang Qing didn’t dare to tell the rental company, but secretly found Kang Chi.
She was afraid that the high compensation offered by the rental company would affect the already tight project budget, resulting in the project being unable to be completed;
AndKang Chi was bewitched by the double repair fee and Zhang Qing’s beauty trap. The two hit it off and colluded with each other. Relying on Kang Chi’s superb repair skills, they concealed the matter.
To be honest, this matter is a bit unfair…
However, Kang Chi is very confident in his craftsmanship. Even if he returns the car to the factory, it may not be repaired as well as he can.
So rounding it off, the lessor may have to thank him if he knows about it.
I don’t know if it was because of Kang Chi’s praise or because he guessed that he was thinking about the embarrassing things in the past. Zhang Qing’s face turned slightly red. She looked at the bank manager beside her awkwardly and said to him: “Manager Liu, don’t send me off. Just do your own thing.”
”It’s okay. Since your friend is here to do business, maybe I can help.” Manager Liu smiled and winked at Zheng Zhinan at the counter.
Zheng Zhinan immediately understood and picked up the loan application form on the table and handed it to him.
“Longteng Technology Co., Ltd., a loan of 200,000 yuan for the construction of Daqin Optics’ production line?”
Manager Liu quickly glanced at the application form.
”He said he was making lenses and cameras…” Zheng Zhinan immediately whispered in Manager Liu’s ear to explain the situation, “So I only gave him a credit line of 100,000 yuan and asked him to sign a personal guarantee.”
Manager Liu nodded and gave Zheng Zhinan a satisfied look, obviously affirming his approach.
Zhang Qing, who was standing by, keenly heard the word Daqin Optics and looked at Kang Chi in surprise: “Daqin Optics? Did you come up with the Daqin Optics that has been very popular online recently?”
“Yes, even you know about it?”
“Well, I happened to hear someone from the crew talking about it. I heard that your lenses are sold out?”
Kang Chi shrugged: “Otherwise, why would you take out a loan to build a production line?”
“Ahem,” after hearing the conversation between the two, Manager Liu felt that things might not be as simple as he imagined, so he coughed dryly and said to Kang Chi, “Please wait a moment, Mr. Kang.”
After that, he and Zheng Zhinan walked into the door behind the counter.
As soon as he entered the room, Zheng Zhinan took out his mobile phone and quickly checked the information of Daqin Optics on the Internet.
The two quickly got a general grasp of the situation of Daqin Optics.
It has a certain popularity online, and the product is very unique. It is also true that it is sold out. So far, the sales volume is more than 700, with an estimated turnover of 60,000 and a profit of 20,000.
Although the data is not high, this store has only been open for less than a month, and it has really become popular in the past week, so there should be a lot of room for profit.
What is more valuable is that they seem to have mastered some core technologies for producing lenses. If they can make further progress, they may become a medium-sized technology company in Dongyang.
“Xiao Zheng, this is your negligence. You didn’t even check the customer’s information or report to the leader, but you made a conclusion without authorization?”
Manager Liu said with a serious expression, “How many times have I emphasized before that we should serve with heart, and even if the business cannot be done, we must not leave a bad impression on customers. This person, thirty years in the east and thirty years in the west, what if he becomes a big customer of another bank after he becomes rich?”
Zheng Zhinan just lowered his head, and hummed from time to time to show that he understood, but in his heart, a thousand grass mud horses passed by.
Just now, this guy was obviously very satisfied with his handling method!
After Manager Liu scolded him for a few words, Zheng Zhinan whispered, “What should we do now?”
”It’s very simple. If he wants 200,000, we will give him 200,000, or even 300,000 or 500,000. We need to let the customer fully feel our customer-first service attitude, but the personal guarantee letter should still be written!”
Zheng Zhinan: “……%&%”
(End of this chapter)