In the 1990s, the economy developed rapidly, and countless people joined the business and worked hard.
There are those who are hardworking and willing to work, and naturally there are those who are sneaky and sneaky.
Among them, there are countless people who just start a project and then seek loans from banks to defraud them.
The most famous joke at the time was that someone asked a bank for a loan of five million, saying it was for a project.
In order to obtain a loan, I went through the back door and gave gifts to the person in charge of the bank, and successfully obtained the loan.
But when the due date for repayment comes, it will naturally not be paid out.
This creates a financial loophole. Although the person who defrauds the loan has broken the law, the person who handles the loan is not immune either.
What to do?
The loan scammer will tell the person who handled the loan, "Well, you can lend me another 50 million yuan." I will return the 5 million yuan to the bank to offset the last loan, and the remaining amount will be counted as a project for me to re-apply.
People who deal with it are afraid of bad luck. Even though they know that this thing is unreliable, they can no longer get off the pirate ship.
Because this kind of thing happened repeatedly, causing banks to suffer heavy losses, in the second half of the 1990s, the loan business of major banks gradually tightened.
It becomes extremely difficult to get a loan from a bank.
It can be said that if you don’t have a strong relationship, don’t even think about it.
Although Oriental Film Group is a key project enterprise in Magic City and is guaranteed by the government, the bank is not that easy to conquer.
Now that his son-in-law is responsible for this matter, Li Jianguo certainly cannot sit idly by and ignore it.
"Ling Jiatian, the director of the credit department of Bank of China's Magic City Branch, is an old classmate of mine. He knows everything about it. You can just go to him."
Li Jianguo gave an important instruction.
"Be sure to make a good loan application without any loopholes. Otherwise, I will never let you go easily."
It was too late for Xiao Qian and Zhong Zheng to be happy, and they promised again and again. After returning, they spent a week to come up with a foolproof plan before looking for someone.
When they arrived at the place, they went straight to see Ling Jiatian because they had already greeted him.
As soon as I walked into the office, I realized there was someone else inside.
A traditional mahogany desk is set against the wall, with a swivel chair next to it.
Sitting on it was a middle-aged man in his early forties, with his sleeves rolled up in a white shirt, black trousers and simple leather shoes, with a slightly impatient expression on his face.
The entire wall behind him is full of bookshelves, which is very inconsistent with his temperament.
In front of this person, there were two people standing, seemingly arguing eagerly.
"Director Ling, our factory is indeed in a very difficult time. If there is no financial support, the workers will not even be able to eat. Considering that our factory has made so many contributions to the country over the years, the bank cannot ignore it.
Help."
The impatient one should be Ling Jiatian.
He twisted the chair, and the newspaper in his hand randomly changed into various shapes.
"Old Liu, it's not that I don't want to help. But this is a policy. The efficiency of your factory is so poor that there is no hope of coming back to life. Our bank can't do loss-making business, right? For the sake of our friends
For your sake, I will help you apply for it. You can go back and wait for news."
"Director Ling..."
What the other party was about to say, Ling Jiatian no longer wanted to hear it.
Seeing Xiao Qian and Zhong Zheng coming in, they looked over and asked, "What do you want?"
When Xiao Qian stepped forward, he tilted his head slightly and glanced at the impatient man.
He is also a middle-aged man, of medium height, with a simple and honest face, wearing silver-rimmed glasses. His clothes are already shabby, and the leather shoes under his feet can even be seen with threads.
But it had nothing to do with me, so I took it back.
"Hello, Director Ling, we are Xiao Qian and Zhong Zheng from Oriental Pictures. We made an appointment before."
Hearing that they had signed up for their numbers, Ling Jiatian's attitude immediately changed. His fat face turned into a chrysanthemum smile, he jumped up from the chair, grabbed Xiao Qian's hand and wouldn't let go.
"Oh, this is Xiao Qian, he is indeed a heroic boy. Why did you come here today? I have been waiting for you for a while."
Xiao Qian smiled bitterly, not expecting the other party to be so enthusiastic.
"Because I have to trouble Director Ling, I don't dare to make any mistakes. We all rushed here after making a good plan."
Ling Jiatian has already started making tea for them.
"Sit down, sit down, let's talk slowly."
When he turned around and found that the embarrassed middle-aged man was still there, Ling Jiatian was very unhappy.
"Old Liu, didn't I tell you to go back and wait for news? Come on, I will notify you as soon as there is news."
The man with a face full of vicissitudes of life was about to say something, but when he saw Ling Jiatian's stern expression, he had no choice but to sigh with emotion and silently left the scene with heavy steps.
Ling Jiatian didn't care, as if he had driven away the flies, and just entertained Xiao Qian and Zhong Zheng with all his heart.
"I've heard all about your affairs. Don't worry, I can handle it for you today."
When Xiao Qian put the plan on his desk, he found that there was another copy next to it. It was probably sent by the person who was driven away by Ling Jiatian.
The words on it are "About the Loan Application Plan for Dafu Rubber Factory". It turns out that it is another state-owned enterprise with poor management and has come to the bank to ask for help.
His mind returned to his own affairs.
"Isn't it difficult to get a loan now?"
Over there, Ling Jiatian had already made tea and placed it in front of Xiao Qian and Zhong Zheng himself. He was no longer as arrogant as before.
"Whether it is difficult or not depends on the situation. If some companies with poor profits apply, it will certainly be difficult. If you don't see any hope of business improvement, lending money to them is just like beating a dog with meat buns."
You are different. You, Oriental Pictures, are now a star company in the city and have a promising future. If we lend you money, we can expect benefits."
Xiao Qian was quite calm.
"Our Oriental Pictures has suffered losses one after another in the past few years. Are banks so trustworthy?"
"Hahaha... Oops"
Ling Jiatian returned to his seat, smiling and scratching his head.
"If it were the former Oriental Pictures, it would be hard to say, but it's different now. Now that you Xiao Qian is here, will Oriental Pictures be able to survive in peace and prosperity? Is that still far behind?"
Xiao Qian couldn't help but laugh.
"Director Ling has unreserved trust in me."
Ling Jiatian was very proud.
"Do you really think that our credit department is just sitting here drinking tea and opening our mouths? We will also do investigations. Which companies have prospects and which companies have no hope. If we don't know it well, who can bear the losses? Do it?
We have only one principle in the credit business. As long as the applicant has potential, we can lend to him even if he is the President of the United States."
Xiao Qian was startled and looked at Ling Jiatian in disbelief.
Darling, in the future, Trump’s loans will not be handled by you, right?
Even though Ling Jiatian talks carelessly, he is really meticulous in his work.
Picking up the plan that Xiao Qian put on the table, after reading it carefully, she expressed her heartfelt admiration.
"If all enterprises had plans as complete as yours, would we still refuse to provide loans? Hey, most of them come here to beg and don't know how to run a business at all."
Xiao Qian was not here to listen to his complaints, so she hurriedly asked: "Director Ling, how long will it take for our loan application to be approved?"
Ling Jiatian gave the letter of approval.
"The city and the ministry have already called for this project of yours, and since the plan is so complete, it can be allocated next week."
When they heard that it would only take a week, Xiao Qian and Zhong Zheng were very happy.
This is a five-billion-dollar loan. It is unjustifiable to apply normally without delaying it for a month or two.
This is because the city and the ministry provide guarantees, and Oriental Pictures has a promising future, so the bank will handle special matters.
After getting the loan, Xiao Qian and Zhong Zheng left with satisfaction. They didn't even leave the bank, but they had already started discussing the plan to transform the theater chain.
But when she walked outside the bank and was about to go down the steps, Xiao Qian couldn't help but slow down.
On the steps in the distance, a lonely figure was sitting. He was hunched and smoking silently, letting the green smoke linger and being pointed at.
There were several cigarette butts beside the man, and he was obviously troubled by some problem.
When he passed by, Xiao Qian took a look and found that it was the middle-aged man who had just been flirting with Ling Jiatian in the office.
Xiao Qian and Zhong Zheng also came to apply for loans. Xiao Qian and Zhong Zheng came back with great achievements, but this person was rejected and it was obvious that he would not have a chance in the future.
That's right. In today's environment, even if a rubber factory goes bankrupt, who would care?
Xiao Qian shook his head and laughed, and was about to leave.
Unexpectedly, from the corner of my eye, I saw several children playing football in the square in the distance.
He ignored the cheerful laughter, only the white sneakers turned into streaks of fluorescence, filling his eyes.
He suddenly turned his head and looked at the lonely middle-aged man again, and the image in his mind slowly matched up.