"Many companies are like this now. They have a large scale of assets and the company looks very impressive, but in fact they are just bait, fishing for money from banks and other financial institutions. The money they take is not invested in the company, but goes to the company.
They trade in stocks and real estate, and they also engage in loan sharking.
"Let me take a look at this company. It has loans from nine banks, not including credit unions, small loan companies and leasing companies that are not included in the credit reporting system. I don't know if they have issued corporate bonds or anything. What's more?
I don’t know if private lending exists, but it is an abnormal enterprise anyway.”
Sun Hong and Sheng Chuncheng said that Sheng Chuncheng didn't understand and asked:
"Just because there are many banks offering loans, is it abnormal?"
"This is one aspect. Good companies should be treasured by every bank and should be focused on cultivating them. If you need money, I will give it to you. The loan conditions between banks are similar, so why do we have so many banks? Definitely.
Are you casting a wide net? If you are short of money, you are looking for loans from connections everywhere. If the business owner is dealing with banks every day, will he still have the time and energy to manage the business?
"Also, I took a look and found that he had loans from several banks for several consecutive years, but the loan amounts were the same, which means they were all re-loans and there were no new loans. Bank loans are available if you are a high-quality customer.
To enlarge, if you borrow 30 million yuan this year and the business is doing well, our bank will expand it to 50 million yuan based on your needs.
"The scale of the enterprise is expanding, and the efficiency has been good. This will be reflected in your transactions, and the bank will continue to provide you with more loans. For the same enterprise, we have increased it from several million to hundreds of millions now. Everyone is grabbing this
If you can’t grab any company, why do you have to go to so many banks?”
Sun Hong said, Sheng Chuncheng nodded, and he understood a little bit. The seemingly complicated matter was analyzed by Sun Hong, and he, a layman, also understood it.
Sun Hong pulled out the company's statement to take a look, but stopped reading halfway through. She said: "This statement can be fake. I don't know how it passed the loan review meeting of the Wenzhou Branch."
"Are there any fake statements given to the bank?" Sheng Chuncheng asked.
"It should be said that the statements provided by loan companies to banks are basically fake and have no reference value at all. We are not fools. It's not that we don't know that there is water in them. Instead, we turn a blind eye. As long as you are superficial,
If you do a good job, it will be enough if you can pass the loan review meeting. No bank will grant loans. They will grant loans based on the statements. For us, such statements are also beneficial."
Sun Hong smiled and said to Sheng Chuncheng.
"What are the benefits of being fake?" Sheng Chuncheng was puzzled.
"Of course, the statements are provided by the company. In the loan contract, there are clauses to ensure that the information provided is true and reliable. Nowadays, we in banks are all frightened. As soon as there is any trouble and I find that something is wrong with a certain company, I will do everything possible.
Collect loans in advance and take action quickly before others take action.
"When I was collecting loans, the company came to me, even if I went to court to sue, saying that I violated the loan contract and collected the loan in advance. At that time, I took out your statement and said that you provided false information to defraud the loan. Who do you think would do it?
Win? Loan fraud can be investigated for criminal responsibility. If I can't collect the loan, I can use this to suppress you."
"It's so insidious!" Sheng Chuncheng blurted out.
Sun Hong said with a smile: "There is no way, we were forced out. Now we can't trust anything and have no tricks, how can I survive? You know, what is the most reliable guarantee for our loans?"
"Asset mortgage." Sheng Chuncheng said.
"Well, this is true, but it is not reliable. Asset mortgage depends on the appraisal report, but now the appraisal companies are not reliable, what should I do? Appraisal companies also compete with each other. If you cannot meet the requirements of the enterprise, the enterprise
If I don't ask you to do the appraisal, I go to someone else, and you won't receive the appraisal fee. The current appraisal report doesn't magnify the asset value, and I haven't seen it yet.
"Not many of these assets can actually recover 100% of their losses through judicial procedures. We have been doing loans for a long time, and we know that the most reliable person is the owner of the company. So when we make loans, we must
Dealing with the boss himself is not just a one-time transaction. You also need to get to know him through other channels. Only when the boss is reliable can the loan risk be reduced."
Sun Hong pointed at the screen and said to Sheng Chuncheng: "If you don't know the depth of this kind of enterprise, let your friends forget about it. Don't touch it, it might be a surprise, especially in today's big economic environment.
It will explode at any time."
"Why?" Sheng Chuncheng asked.
"Why do you have so many people?" Sun Hong said.
"I don't understand. All I can think about is why," Sheng Chuncheng said.
Sun Hong smiled: "It is said that Wenzhou people can make money, but in fact, the way Wenzhou people make money at a very low level is nothing more than all kinds of speculation, and they like to swarm. If I guessed correctly, they took a loan,
Definitely go for real estate speculation. In the past few years, when house prices were rising every year, it was okay, and the money earned could cover the cost of capital. But in the past two years, it has been difficult.
"House prices haven't increased much, and it's hard to sell. You have to pay back the mortgage, and you have to bear the bank's loan interest. Not a penny is without cost. It's okay for a short time, but if it lasts for a long time, it will definitely not be able to survive.
If you stay, you will die, do you understand?"
Sheng Chuncheng said: "I understand, there is no reason why."
When Sheng Chuncheng was about to leave, Sun Hong asked, "He just left like this?"
Sheng Chuncheng said: "Then what else do you want to do?"
Sun Hong smiled and said: "It's rare for you to come here, why don't you sit down for a while and talk about love or something?"
Sheng Chuncheng laughed and said, "Didn't you say earlier that family members are not welcome here? Aren't you afraid that your president will come in and see you?"
"Don't be afraid, he has gone to the head office to visit the dock for his upcoming promotion." Sun Hong said.
Sheng Chuncheng's eyes lit up and he shouted: "Your president is about to be promoted? Does that mean you are about to get promoted too?"
Sun Hong smiled, a little proud, but did not let herself appear too arrogant. She said: "I hope, I hope that next time you come, you will not come to this office, but to the next door."
Sheng Chuncheng said: "That doesn't matter, I'll congratulate you first."
"Okay, thank you, I'll treat you to dinner then." Sun Hong said.
Sheng Chuncheng came out of Sun Hong's office, looked to the side, and then walked back. Sun Hong raised her head and looked at him and asked:
"Anything else?"
Sheng Chuncheng said: "I just saw it. There is a conference room next door. Do you want me to go to the conference room to find you next time?"
Sun Hong couldn't help laughing and cursed: "Left side, pig!"
Sheng Chuncheng said "Oh" and backed out. He looked at the office on Sun Hong's left. The door was closed and there was no sign on the door. Only then did he realize that this was the office of their president.
After walking out of the bank gate and standing on the steps, Sheng Chuncheng sighed.
Now, in his heart, it was really as he said to Sun Hong before, there was no question mark left. He felt that all the actions of the scumbag were explained. What a rich second generation, it turned out to be just a fake, no wonder he wanted to
With such deliberate efforts, he dug not only a pit for Xueer, but also a pit of fire. It was really insidious.
Fortunately, Xueer has completely said goodbye to him now, otherwise, I don't know how much loss she would have suffered.