"There are all kinds of companies, and there are all kinds. Some are short of money. Those who want to get loans are basically short of money, including very large companies. You may see that they make tens of millions of sales a year, but in fact
It's a hollow carrot, with a high debt ratio, but actually doesn't have much money.
"Especially those who are engaged in real estate, why do they fail? It's because their funds mainly rely on external input, just like ICU patients, they need blood transfusions to survive. Once you stop the blood transfusion, or something goes wrong,
There was a problem, the ICU equipment malfunctioned, and he died quickly.
"He himself has no hematopoietic function. Look, the money he earns every year is used to pay for the cost of borrowing. What to do if you don't have money? Then find a way to borrow again. The debt will snowball, getting bigger and bigger. You
It looks like it's still moving, but it's actually a vicious cycle.
"There are also some companies that have too much money to spend. They have piles of cash in their accounts and are not short of money at all. In Hangzhou, such as Wahaha and Nongfu Spring, they never lend money and there is no bank.
, they can get their loans. Including here, the Banmutian Group is the same, they never lend money.
"For our bank, when we see the kind of companies in the front, we are scared to death. If there is any disturbance, all banks can't sleep. When we encounter the kind of companies in the back, they don't pay attention to our bank at all. On the contrary, they all
We are begging them and asking for their deposits.
"Banks have a loan-to-deposit ratio. How much money you can lend depends on how much deposit you have, so everyone is trying to make deposits. Personal deposits are taken away by Alipay and WeChat, and again by online loan companies.
, every bank now has very few banks, and they only rely on corporate deposits.
"Good companies like this, companies with large cash flow, such as Wahaha, Nongfu Spring, Half an Acre Field, and Lingyin Temple, must be the key targets of every bank that need public relations to attract their deposits.
Then thank God, it will definitely be maintained.
"If you have the ability, and let this kind of organization make a loan with you, what does that mean? It means that in turn, they will send money to your bank. They obviously have no shortage of money, but they want to get a loan from you. Is it in vain?
Have you been paid interest on your loan?
"Why don't we build relationships with such a customer and invite him to dinner? I'm afraid we won't even be able to invite him."
Sun Hong talked to them, and the three of them finally understood. Sheng Chuncheng asked:
"Are there any such customers who come to you for a loan even though they don't need the money?"
"There are still some companies. It's not that they have always been short of money, but they are not short of money now. They were short of money before, and they went to the bank, and the bank also helped them. There is face and favor in this.
In order to repay the favor, the boss will sometimes make a small sum for us so that we can complete the task.
"There is another kind of boss who thinks far ahead. He feels that although he is not short of money now, he may still be short of money in the future. He wants to maintain the relationship with the bank and do some business for us.
.
"There is another kind, especially for those state-owned enterprises. You just need to know this. Don't go out and talk nonsense. Anyway, the interest paid is not taken out of his personal pocket. He treats you well and makes money for you.
"Of course, there are also those who want to get personal benefits. Anyway, for all these, I have to treat them, chase them, and ask them to do some business for me."
Sun Hong seemed to be happy with the wine. Facing a few people who had no conflict of interest with her, it didn't matter what she said. She talked a lot and even laughed while talking, which made Sheng Chuncheng and the others confused.
Xiao An asked: "Sister Sun Hong, have you drunk too much?"
Sun Hong shook her head and said, "No, no, I just thought of something funny. It's very embarrassing."
"Hurry up and share it so that we can learn more." Sheng Chuncheng said.
"Okay, I'll tell you, I'll tell you." Sun Hong said to them with a smile.
"I won't tell you which company it is. It's from Hangzhou. The year before last, I spent a lot of energy to get a loan of 50 million yuan. That company is what I said is not short of money.
that kind of company.
"But no matter what company it is, as long as it is a loan, the process is the same, the procedures are the same, and the guarantee conditions still need to be provided. I will go to their chairman and talk to him about what collateral their company can provide.
It can be land or real estate.
"The chairman looked at me and said, why do you have to go to all the trouble? You have to make an assessment and go to the relevant departments to go through the formalities. That's all right. I will pledge 50 million in cash directly from my account for my own loan.
Guarantee, is it possible?
"Let me go, my face was so burned at that time. They are slapping me in the face. It means that I have already given you face by agreeing to loan this loan, and you still want to do something confusing.
Really, if there had been a hole in the ground at that time, I would have crawled into it.
"But there is no other way. To do this business well, this step must be taken. I shamelessly said at that time, Chairman, if this can be done, that would be the best.
"The chairman looked at me, shook his head, smiled, called their financial director over, and really instructed him to do it like this.
"Haha, this business has caused a sensation in our entire Hangzhou Bank. It's not that this business is big, but that there is no such practice. There is probably no such precedent among banks across the country. Taking 50 million
What is the operation of using cash to guarantee yourself and a loan of 50 million yuan? Isn’t it just that if you have money and no place to spend it, your contribution to the bank will be in vain?
"Just this one order made me a celebrity in our industry. After this order was completed, I was promoted to vice president.
"The chairman later told me that he didn't need money and made this order just because he saw me running to their place every day for more than a month and working so hard. He said that I reminded him of himself when he was young.
, he was just like me at that time, he was stubborn when he started doing things and would never look back.
"However, in the era they live in, they have more opportunities than us, and their chances of getting ahead are greater than ours. He saw that I felt distressed, and he wanted to help me by completing this deal no matter what method he used.
"To this day, I am very grateful to this chairman. Unfortunately, he passed away last year due to cancer."
After Sun Hong finished speaking, everyone in the box was silent.
Sheng Chuncheng said: "It's a pity that our company is too small. We only have one million yuan in our account and only have a turnover of ten thousand or twenty thousand a day. Otherwise, I would open an account with you and help you."
"Come on, come on, if you have more mosquito legs, you can also stir-fry a dish." Sun Hong said, "And I'm optimistic about you. Really, I've seen many companies that started from a young age and later became what we are.
It’s something you can’t reach. In a business, the most important thing is people. If you can do it, you can definitely grow bigger and bigger.”
Sheng Chuncheng quickly said thank you, thank you, then I will send someone to open an account with you tomorrow.
"Okay, that's very welcome. You don't know how much pressure we are under as it's the end of the month and the end of the year. When I was first promoted to vice president, I felt very happy and a little bit like a villain.
But after I got the job, I realized that this is a tight curse. You are already the vice president. If you still can't complete the task, will you be embarrassed?
"People like us, who come from out of town, are born in ordinary families, have no power, and have no other way out except to work hard on our own. So, I will risk my life in these two days and call you for help again. Don't
strangeness."
Sheng Chuncheng said yes, if you need our help, just call us at any time. By the way, Zhong Xinxin, your sister, you must be ready to rescue your sister at any time.
Zhong Xinxin scratched her head and said, "Then our mother will always be rushed into the hospital."
Everyone laughed, and Sun Hong picked up the wine glass and said, "It's okay, our mother will understand us. Come on, let me thank you first!"