Chapter 361 Raising Funds, Conditions of Bank Loans
Chapter 361 Raising funds, conditions for bank loans
Author: Pigs Flying in the Sky
Chapter 361 Raising funds, conditions for bank loans
The most urgent task is to find a way to raise money.
The Land Bureau provided 30 acres of land, but these 30 acres were not connected together. There were three pieces of land of ten acres each.
Of the three pieces of land, except for one that is relatively close to the city, the other two are a little far away.
He Jincheng plans to develop the farthest area first and build a garment factory.
The garment factory does not need to be built too high. It only needs three floors. The south part of the whole project is relatively low. If the construction actually starts, it will be completed in about three months. Of course, with the addition of decoration equipment and machines, it may be used more.
time.
There is actually no rush for construction. More importantly, the funds are no longer sufficient.
He Jincheng has already calculated the minimum cost, and it is most necessary to spend one million for construction.
However, after buying the land and donating the funds, the company's accounts only amounted to a little over 200,000 yuan, leaving a shortfall of about 800,000 yuan.
How to raise money as soon as possible, He Jincheng immediately thought of bank loans.
So, He Jincheng asked someone to contact the largest local bank and expressed his intention to lend.
Unexpectedly, the other party agreed readily, but the specific matter still needed to be discussed with He Jincheng.
Of course He Jincheng would not refuse, so he made an appointment to discuss the matter at Nandu Hotel.
This time, He Jincheng also brought Zhou Qingyuan and He Jinshan with him.
Zhou Qingyuan is a veteran of He's Garment Factory, and his eldest brother He Jinshan is the future helmsman. He Jincheng brought them here because he wanted them to have more contact with people in the bank, who would definitely have to deal with them in the future.
The manager from the bank was named Wu Daqiang. He was a middle-aged man with a big belly and silver-rimmed eyes. He seemed to be somewhat educated.
He Jincheng led the two of them into the box, then smiled and extended his hand to Wu Daqiang.
"This is Manager Wu, right? I am He Jincheng, the factory director of He Company, and these are our two deputy factory directors, Zhou Qingyuan and He Jinshan!"
Wu Daqiang was also a smooth man. He stood up with a smile and shook hands with He Jincheng. After the two of them chatted for a while, they sat down one after another.
The food was served, the wine glasses were filled, and everyone started chatting and laughing.
"Director He is really young and promising. Judging from your age, I'm afraid you are still less than thirty!"
Wu Daqiang was very curious as to why He Jincheng was so young.
He also knew before that He Jincheng took over 30 acres of land in one go, and knew that this was a big boss.
This time Mr. He wanted a loan, and his superiors had also said hello to him, so he readily agreed.
"Manager Wu won the award. I just happened by chance. In fact, I don't have that much ability. But this time, our current garment factory's production capacity is indeed a bit behind. The purpose of building the factory this time is to increase production capacity. Loan
There is absolutely no problem in repaying it. I would like to ask Manager Wu for more advice on this matter!"
He Jincheng said with a smile and a toast.
Wu Daqiang took a sip of wine and said with a smile: "Easy to say, in fact, the superiors also told me that the income of your suitable garment factory is very good, and there is definitely no problem with your ability to repay the loan. However, I may have some problems here.
It’s a small condition, I wonder if Director He can agree to it?”
"Manager Wu, just tell me directly. As long as it is reasonable, we will definitely accept it!"
He Jincheng nodded slightly. If there were no other conditions, he would not be here for dinner now, but would directly go through the loan process.
"That's right, your factory is also well-known in Nandu. The superiors attach great importance to the construction of your new factory, so they assigned Nandu No. 3 Construction to build your new factory. As long as Factory Director He agrees to this, I will
Of course there is no problem in getting a loan on the side!”
Wu Daqiang said with a smile, then picked up the wine glass and took a sip.
He Jincheng frowned slightly, feeling a little unhappy.
Wu Daqiang's conditions are really too much.
Designating a contractor is a complete transfer of profits. Although the project of this factory is not big, it is still a big income. It requires an investment of at least one million.
Neither Zhou Qingyuan nor He Jinshan spoke, as they could not see the situation clearly.
In their view, the factory can be built by anyone, as long as the funds are in place and the factory is built, then it will be fine.
However, seeing He Jincheng deep in thought, they didn't bother him.
"So, does Factory Director He have any concerns? Sanjian is a state-owned enterprise. There must be no problem with the construction quality. Plus, the higher-ups also attach great importance to it, so there will definitely be no problems!"
Wu Daqiang said with a smile.
In his opinion, this condition is definitely not excessive.
"Manager Wu is right, but he suddenly put forward conditions. We still need to think about such a big matter. I think this is okay, so I will ask Manager Wu to help arrange for me to meet with the leaders of Sanjian to have a talk.
As for the details, if the price from Sanjian is right, of course we have no problem!”
He Jincheng thought for a while and agreed temporarily, but he didn't say anything too harshly. Who knows if there might be something fishy on Sanjian's side.
"Of course, let's do this. In the afternoon, I will bring Vice President Yang Qishan of Sanjian to talk to Director He about this matter. If Director He has any questions, you can also ask him in person if there is any communication.
Well!"
Wu Daqiang said with a smile.
"Of course that's the best!"
He Jincheng nodded in agreement.
The two parties didn't talk too much about work. Zhou Qingyuan and He Jinshan were drinking with Wu Daqiang on the side, while He Jincheng was thinking about the matter seriously.
After they had finished drinking and eating, and seeing off Manager Wu, Zhou Qingyuan looked at He Jincheng with a hint of hesitation on his face.
"Lao Zhou, just say what you have to say. Do we still have to talk so much between us?"
He Jincheng asked with a smile.
"Director He, I always feel that something is wrong about today's matter. I'm afraid the conditions at the third construction site are not very favorable!"
Zhou Qingyuan said with a wry smile.
"Yes, I can see it too, and to be honest, when I was working on the construction site, I also took over some projects from state-owned enterprises. Let's not talk about the quality of the projects. The wages of the workers alone are always delayed.
A long time.”
He Jinshan also said in deep thought.
"Yes, I think so too, but I still need to meet Vice President Yang of the Third Construction. After all, it is a company designated by the above. It will definitely not work if we don't give him any face, as long as the other party's demands are not excessive.
, we can accept it!”
He Jincheng said.
"I'm afraid they'll be too open-minded. Those state-owned enterprises have always looked down upon our private enterprises. I'm afraid it's not that simple!"