Chapter 1860 The business world is no better than rivers and lakes
Zheng Haixia frowned when she heard this, looking even more confused.
"Is it possible that if we don't put 300 million yuan in their bank, they won't cooperate with us?"
Shen Dapeng nodded, "That's the truth!"
Speaking of this, Shen Dapeng couldn't help but smile and said: "Haixia, today's society is like this. Without common interests, there will be no common cooperation, especially in business. Many cooperations are not brought together because of interests.
?”
Zheng Haixia thought for a while and nodded firmly, "You are right, it is indeed true."
"Although the words may sound a bit cruel, the truth is this. From ancient times to the present, everything has been like this. The situation has changed."
"Take the Industrial Bank as an example. In the case of the Shenzhen Development Bank last time, if the Industrial Bank had not helped in the end, our money would still be in the Development Bank. From this point of view, we have to thank the Industrial Bank.
.”
Shen Dapeng paused and then smiled: "But if you think about it from another aspect, you will understand that there is no help for no reason in this world, and there is no hatred for no reason. Why can people help us?"
Zheng Haixia thought for a while and then said: "We have 300 million yuan in the bank, and the interest generated every year is a large amount. If we can attract large households like us, they will definitely be happy."
At any rate, she also understands some of the operating methods of banks, so Zheng Haixia is relatively clear about these.
"The bank gives us a lot of interest every year, but when people take out these 300 million yuan in loans, the loan interest alone is a lot every year. Compared with the interest on deposits given to us, it is much higher. Every time we go in and out,
The bank is equivalent to using our money to make money, doesn’t the money earned fall into their pockets?”
Listening to Zheng Haixia's explanation, Shen Dapeng smiled and nodded, "You're right, that's exactly what it is. That's why some people say that no matter which industry makes money, it will never make money as fast as a bank. To put it bluntly, banks are empty-handed.
White Wolf, we know this, but there is nothing we can do."
"The reason why Industrial Bank is willing to help us is precisely because they saw the benefits our money brought to them, so they helped us. Our financial company has been revitalized, and relatively speaking, Industrial Bank has also benefited.
, this is a matter of killing two birds with one stone.”
"As for what I just said, I now own several companies, and the combined assets of each company exceed one billion. That's why I said the loan is one billion. This is well-founded."
When Shen Dapeng said this, a hint of helplessness flashed in his eyes, "So, under normal circumstances without other factors interfering, it is entirely possible to use my companies as collateral to lend out one billion, but the reality is this
cruel!"
"Dapeng, I understand. To put it bluntly, the bank is also afraid that the risk will be too great, so it is not willing to lend us so much at once?"
Hearing what Shen Dapeng said, Zheng Haixia couldn't help but interject a word.
Shen Dapeng nodded, "Yes, after all, this is the first time for them to deal with us. They will definitely consider trust. In addition, although the assets of each company are estimated to be more than one billion, how is the company's development? Is it famous?
Unforeseen circumstances will not occur during development, leading to a break in the capital chain, failure to obtain bank loans, etc. These will all become factors they consider."
"Taking it all together, they can offer such a small amount because of our cooperation, and it is within their risk control capabilities. After all, banks have to take care of themselves, right?"
Zheng Haixia suddenly realized, "After all, this is the business world, and everyone's first priority is making money. Unlike Jianghu, you can act on your own initiative and lend a helping hand at critical moments."
"Yeah, although some of the problems sound frustrating, if you think about it, it's just that, and it's completely normal. Anyway, thank you for your trouble this time."
Shen Dapeng's politeness made Zheng Haixia unsure of what he was thinking. She was stunned and tentatively asked, "Dapeng, do you want a loan?"
Although the Industrial Bank only gave a limit of 200 million yuan, after all, if someone is willing to lend, it is better than not lending, right? Besides, with 200 million yuan, you can do some things, right?
Shen Dapeng smiled slightly and shook his head, "Can you please tell the vice president to thank him for his kindness. I don't need it for the time being. I will contact you if you need it in the future."
Listening to this tone, there is no need for a 200 million loan. Zheng Haixia didn't know what Shen Dapeng was thinking, but she still felt a bit regretful about Shen Dapeng's decision.
But she didn't know that for Shen Dapeng, a loan of 200 million yuan was just a drop in the bucket and could not solve the current large-scale and substantial development of various companies. Rather than doing this, it would be better not to use this 200 million yuan.
"It can be seen that the financial company has been developing very well during this period. If nothing else, in my opinion, it is much better than Huang Bin's Feihuang Financial Company, right?"
Zheng Haixia smiled slightly when she heard that Shen Dapeng had changed the topic to the financial company and stopped talking about loans.
"It's really good. Not only do more buyers of apartment buildings come here to apply for housing loans, but also customers of other newly opened properties come to us to apply for installment payment instructions. Huang Bin's Feihuang Financial Company is basically
There’s no way to compare with us, just getting a dozen orders a month is already pretty good.”
"That's fine. I've worked hard for you during this period, but the company's development still needs you. You have to take care of your health. Besides..."
When Shen Dapeng said this, he couldn't help but pause for a moment, and his brows were tightly knitted together, as if he was thinking about something.
"Dapeng, is there anything else you need my help with?"
Zheng Haixia thought Shen Dapeng was thinking about the loan, so she couldn't help but ask again.
"No, no, I remembered what you just said. House purchasers from other real estate projects also came to our financial company to handle loan business?"
"Yes, judging from the current situation, it is quite a lot. It seems that our efficiency this month should increase again." Zheng Haixia looked a little excited.
I am also the second largest shareholder of Zheng Peng Financial Company. If Smile continues to be this good, I will be able to get more dividends at the end of the year.
The company's efficiency is directly proportional to the proportion of shareholders' investment. The better the efficiency, the higher the shareholder income. Therefore, Zheng Haixia is eager for the company's efficiency to increase.
Zheng Haixia thought that Shen Dapeng would be very happy when he heard the news, so she emphasized it again.
However, what Zheng Haixia didn't expect was that after hearing these words, Shen Dapeng's expression not only lacked any joy, but also seemed more worried.