With the addition of Wu Jun, Chen Yang's business has become easier and easier.
Wu Jun is a qualified guy.
Even if Chen Yang doesn't go out, he will do every job conscientiously.
After dealing with the goods on hand, Chen Yang gave Wu Jun a day off and asked him to go back and make preparations. He would be leaving for a long trip in two days.
Naturally, Wu Tian was eager to go on a long trip with food and accommodation included, as well as learn something.
Counting the time, it has been almost two months since Chen Yang was reborn.
In these two months, he earned nearly 200,000 yuan, an average of 100,000 yuan per month.
In the 2000s, two hundred thousand yuan was not a small amount of money. It was enough to buy two sets of 100 square meters of commercial housing on County Center Street.
According to the skyrocketing pattern of real estate in later generations, these two houses would be enough for Chen Yang to live on for a lifetime.
However, Chen Yang had no such plan.
Except for leaving some living expenses for his mother and sister, Chen Yang planned to use the rest to start a business.
However, there is still a bit of a funding gap.
Chen Yang went to the bank where he had applied for housing loans before, and was still looking for Manager Zhao.
"Boss Chen, long time no see!"
Manager Zhao’s face was full of joy.
As bank employees, every move in Chen Yang's account is under their control.
Manager Zhao also knew that Chen Yang had turned over and had a bright future, so his attitude was naturally much kinder than before.
"Manager Zhao, I would like to borrow some money."
Chen Yang also got straight to the point.
This time I want to go to the place of production to purchase goods, which requires a lot of capital, and two hundred thousand is still a bit small.
oh!
Manager Zhao nodded and said, "Then how much loan do you need?"
Chen Yang has now become a high-quality customer of the bank, so there is no problem with getting a loan.
Two hundred thousand!
Chen Yang reported a number.
It is nearly 2,000 kilometers from Guangxi Province to here.
Shipping costs are expensive.
It is only appropriate to arrive with a fully loaded car.
Take a semi-trailer as an example. One vehicle can pull thirty-six to seven tons of cargo.
Thirty-five tons of octagonal anise would cost 356,000 yuan.
So he needs to prepare at least 400,000 yuan for payment.
Two hundred thousand!
Manager Zhao is having some difficulty.
According to Chen Yang's recent turnover feedback, he only has a capital of 200,000 yuan at most.
Besides, he still has a loan of 100,000 yuan that has not been repaid.
"Boss Chen, based on your credit report and bank statements, I can give you a loan of up to 100,000 yuan."
Manager Zhao said in a low voice.
Banks also have to consider risks.
Their house has been mortgaged.
Excluding this 100,000 yuan loan, Chen Yang only has 100,000 yuan in assets.
It is a bit difficult to get a loan of 200,000 yuan out of 100,000 yuan.
"At least two hundred thousand, one hundred thousand is not enough."
Chen Yang frowned and said.
"Well, you can find a few business owners to guarantee it. With the guarantee, you can get a loan of 200,000 yuan."
Manager Zhao gave Chen Yang an idea.
This is impossible!
Chen Yang smiled and said: "Our family originally borrowed a lot, but we couldn't even borrow 100,000 yuan. Do you think anyone will guarantee it for me?"
Now all the bosses are targeting him, let alone vouching for him.
Even if he did, he wouldn't want to show off his face and ask for help.
That’s it!
Manager Zhao has a headache.
Generally speaking, bank loans require not only collateral but also guarantees.
There is no collateral or guarantee, how can you borrow so much?
"If Manager Zhao is in trouble, forget it. I'll go to the bank next door to check."
Chen Yang pretended to stand up.
There are several banks here. It doesn't matter if this one doesn't provide loans. There are plenty of choices.
Boss Chen, wait a moment!
Manager Zhao hurriedly stopped Chen Yang.
To be honest, he was reluctant to let go of Chen Yang, a high-quality customer.
After all, he has also seen this young man's recent performance, which is amazing.
Once Chen Yang goes to another bank, his deposit and withdrawal business will definitely be transferred to other banks.
Chen Yang's monthly turnover is not a small amount, and once it is transferred to other banks, it will also be a loss for Manager Zhao.
"Based on your current conditions, it is no problem to borrow 100,000 yuan. But for 200,000 yuan, the approval will be difficult and will take time. I will try to apply for you first. As for whether it will be possible, I can't guarantee it.
"
Manager Zhao said tactfully.
Then it’s troublesome for Manager Zhao!
Chen Yang smiled.
In fact, the account manager of the bank still has a lot of power, and Manager Zhao must have a way.
"However, you'd better find a public official to vouch for you. In this case, the approval rate will be high and the loan will be issued quickly."
Manager Zhao reminded Chen Yang.
Public officials?
Chen Yang frowned.
There have been no public officials in their family for three generations.
If there were any public officials, I would not go out to do business.
Soon his eyes fell on Manager Zhao.
Isn’t this a ready-made public official?
"No, no, this isn't appropriate."
Manager Zhao shook his head like a wavy drum.
As a bank employee, you cannot guarantee your customers.
Even if he could guarantee it, he wouldn't be happy.
"You give me an extra 100,000 yuan in guaranteed loans, and I'll give you 20,000 yuan in interest."
Chen Yang stretched out two fingers.
This is a single office, so I'm not afraid of others hearing me.
If you want people to help, it must be beneficial.
It’s no good, who is willing to help?
Twenty thousand interest?
Manager Zhao was very surprised.
The interest rate on commercial loans is generally one cent.
The annual interest on one hundred thousand yuan is twelve thousand.
If it's 20,000 yuan, that's an interest rate of 1.5 cents.
In other words, Manager Zhao can earn 8,000 just by being a guarantee.
Eight thousand!
Manager Zhao’s monthly salary is just over a thousand points.
To say that I am not moved would be a lie.
But who can guarantee that nothing will go wrong when doing business?
Chen Chuan used to be a high-quality customer of the bank. Didn't he lose his entire fortune due to an accident?
If Chen Yang doesn't come, won't he be sitting on a candle?
Just when Manager Zhao was hesitant, Chen Yang spoke.
"Manager Zhao, you are also very aware of my business situation. In two months, I have earned 200,000 yuan. You don't have to worry about your repayment ability. I guarantee that I will make a profit without losing money. The reason why I came here
I'm looking for you because you helped me before. Otherwise, there would be many people outside who would be willing to lend me money on this condition."
If the bank refuses to lend, Chen Yang will look for private loans.
The interest rate of 1.5 cents is still very attractive.
"Brother Chen, don't be anxious, don't be anxious, let's discuss it later!"
Manager Zhao stopped Chen Yang again, with a smile on his face, and changed his address to Chen Yang.
Chen Yang's words really moved him.
He also believed that Chen Yang could borrow money.
Manager Zhao personally made Chen Yang a cup of tea.
"Well, I can help you get a loan of 100,000 yuan, but you have to sign a loan agreement and keep it confidential?"
He has already thought about it.
As a business manager, Manager Zhao has the ability to help Chen Yang get an additional 100,000 yuan in loans.
But why go through the bank’s procedures?
Manager Zhao can lend it to Chen Yang through smuggling channels.
Earn more this way.
also!
Chen Yang nodded.
"Then it's settled!"
Manager Zhao extended his right hand.
Chen Yang also smiled and extended his right hand.
The reason why he came to see Manager Zhao was to establish a good relationship with him and facilitate future loans.
But it is obvious that Manager Zhao is also a capable person.
Chen Yang didn't care where his money came from, as long as he was willing to lend it to him.
The two held their hands together, with knowing smiles on their faces.