"Extra number! Extra number! Fahrenheit Agricultural Machinery Factory refuses to add collateral, and Jinqi Bank is considering collecting the loan!"
"Out of line! Out of line! Banks may collect loans, and Fanjiazhuang's largest private enterprise is on the verge of bankruptcy!"
In the teahouse, Han Youliang, the owner of Han's Steel Trading Company, was sitting in the teahouse drinking tea when he heard the newspaper boy who walked into the teahouse shouting news that made his heart tremble.
Nowadays, the literacy rate in Fanjiazhuang is getting higher and higher, and more and more people can read newspapers by themselves. The business of newspaper readers is no longer good. Only a few teahouses still have newspaper readers programs, and most teahouses have been withdrawn.
This business allows tea drinkers to read newspapers by themselves.
So Han Youliang didn't hear the newspaper reader reading the news, but heard the newsboy on the street shouting the news.
When he heard the news read by the newsboy, cold sweat broke out on his back.
He quickly walked to the door of the teahouse, took out two copper coins and bought a copy of "Tianjin Daily" and the day's special issue.
There was no news about Fahrenheit Agricultural Machinery Factory in the main text of the newspaper, and the explosive news was all in the day's bulletin. Han Youliang didn't even have time to sit back in his seat, so he hurriedly opened the bulletin and read the contents.
The special topic that day was about the difficulties faced by three private enterprises in Fanjiazhuang: "Huashi Agricultural Machinery Factory", "Yanshi Agricultural Machinery Factory" and "Houshi Dye Factory". The three enterprises are now also facing losses due to poor management.
The entire factory was in a dilemma. Not only that, but the three companies were also inspected by banks, which required them to provide additional collateral because they had no operating income.
Yan's and Hou's companies did not have ready-made collateral to increase. In order to cooperate with the bank, they had to pledge their company equity to the bank as collateral. But in any case, they have overcome the difficulty of bank inspection.
.
The Fahrenheit Agricultural Machinery Factory is in more danger. Hua Kefang rejected the bank's request for more collateral. The friendly relationship between the bank and the Huashi Agricultural Machinery Factory has broken down. Now Jinqi Bank may announce at any time that it will stop lending to the Huashi Agricultural Machinery Factory.
loan.
Seeing this newspaper article with detailed reports and clear analysis, Han Youliang felt cold sweat break out from his back, and soon his round-neck gown was soaked with sweat.
Han Youliang is Hua Kefang's old neighbor. He lent Hua Kefang 750 taels of silver in November last year, hoping to earn Hua Kefang's 8% interest. This amount of money was not worth mentioning to Hua Kefang.
, but it was Han Youliang’s lifetime savings from doing business.
His family of six all rely on this savings to live on.
That is to say, he felt that Hua Kefang's business was doing well and there was no risk in the loan, so he lent it to him. At that time, the entire neighborhood raised money together and lent together 10,000 taels to Hua Kefang.
Several tea guests nearby also bought newspapers, read them for a while and said, "Tsk, tsk! Hua Kefang is in big trouble this time!"
"Once the bank collects the loan, all the land, factories and machinery that Hua Kefang pledged to the bank will be auctioned as collateral. These things were valuable when they were bought, but not so valuable when they are auctioned. They can be sold at a 50% or 40% discount.
It would be good to go out. When the entire Hua Kefang factory is sold out, we may not be able to repay the bank loan."
A tea guest next to him said: "Hua Kefang is not afraid! He has made enough money over the years. At worst, he will throw away the factory and let the bank handle it. It's just unlucky for those who lent money to Hua Kefang. Now they have lost all their money."
There is no return!”
"I heard that Hua Kefang borrowed money from everywhere, from material dealers to the four major banks, and even the landlord who rented him a shop lent money to him. They all said that he was a righteous person and wanted to earn his interest.
.”
"Now it's better, I'm really going to beat myself up!"
A tea customer next to him came over and said, "No, Jinqi Bank won't really collect loans, right?"
The tea guest holding the newspaper was obviously well-informed and said: "No? Why not? The current situation is that the factory owes a lot of debt but has stopped working. Seeing that the loan cannot be repaid when it expires, sooner or later it will have to pay back the money.
Deal with the collateral. If the bank stops lending now, it can seize the collateral and realize it. If the bank is slow and waits until the loan matures before taking action, all the collateral may be divided up by other creditors!"
After hearing this analysis, everyone nodded in agreement.
Hearing the tea guest's comments, Han Youliang felt that his legs were weak and he could hardly stand still.
Without saying a word, he threw five pennies on the tea table and ran to the Hua house.
####
Hua Kefang sat in the lobby with a livid face, looking at the creditors who were filling the lobby.
These creditors are all small creditors. They originally lent money to Hua Kefang because they wanted Hua Kefang to earn three times the interest on bank deposits. The amount they paid was generally less than one thousand taels. However, the amount of these small creditors was small and their risk tolerance was
Their abilities are also very small. Whenever there is any trouble, these small creditors want to recover their capital.
Today, "Tianjin Daily" reported for the second time the plight of Huashi Agricultural Machinery Factory, and used a full four-page extra to analyze it in detail, thoroughly exposing Hua Kefang's financial problems to the public. Hua Kefang currently has no income, but owes
A huge amount of debt was reported in the newspapers.
The image Hua Kefang created a few days ago by spending 21,100 taels to repay suppliers was completely torn up by Tianjin Daily.
Hua Kefang finally understood Cui Wending's sinister intentions when he came to do the credit check that day. Cui Wending was not here to check credit, but to collect intelligence. After he had a clear grasp of the poor financial information of Huashi Agricultural Machinery Factory, he revealed it to Tianjin in the blink of an eye.
And Cui Wending's request for Hua Kefang to add additional collateral was also a complete trap. Cui Wending did not want Hua Kefang to cooperate with the bank in adding additional collateral.
Cui Wending pretended to be serious about irritating Hua Kefang. What he wanted was for Hua Kefang to get angry, make Hua Kefang refuse the bank's request, and give Jinqi Bank head office a reason to hold a loan suspension meeting.
Then let "insiders" reveal that the bank may stop lending.
Li Zhi is trying to destroy himself.
It is indeed impossible for Jinqi Bank to suddenly collect loans, which would damage the reputation of the bank. Hua Kefang knows this, and Cui Wending also knows this. But those small creditors of Hua Kefang do not know, how do these small creditors know about the bank? They listen
When it was reported in the newspaper that the bank might collect the loan, I was so panicked that I lost my sense of control and rushed to Hua's house to demand my principal back.
Hua Kefang can only regret that she has expanded too fast and borrowed too much money in recent years.
I just hate that these small creditors of my own are too short-sighted.
The image of "righteousness", "responsibility" and "capability" that he has worked hard on over the years did not offend Li Zhi. Fortunately, it was very useful. Once Li Zhi took action, he was completely defeated in a few seconds. Now these creditors
Everyone feels that Hua Kefang will go bankrupt at any time.
How can Hua Kefang have the money to pay off his debts now? He only has more than 20,000 taels of silver left in his family's warehouse, and all the money has been staked on raw materials and machinery.
Han Youliang walked into the lobby of the Hua family and saw Hua Kefang's housekeeper yelling at the crowd of debt collectors, while Hua Kefang was sitting in the hall without saying a word.
Han Youliang looked at the small creditors standing around the room and suddenly felt that his money was really going to be wasted.
He rushed to the front of the crowd, knelt down in front of Hua Kefang with a plop, and shouted loudly: "President Hua, good man Hua! My 750 taels of silver are really the money for the family to eat, and I don't want the interest."
