In the car, Chen Chen taught Guo Jing to be bolder and not be afraid of loans. Investing in cotton would not lose money. Owning a textile factory was simply an one-stop industry.
"How can you become strong if you don't control the entire industry chain from raw materials to fabrics? The investment is a bit large now, but you will make money in the future, so let's do it!" Chen Chen said.
"The headquarters really won't give us any money!" Guo Jing still felt guilty and insecure.
"No, not only no, but next year I want to see the Red Flag Factory hand over all its profits to the headquarters!"
"This..." Guo Jing talked about it. This is simply Zhou Baopi!
Ye Qingyue smiled and said, "Jingjing, the young boss has arranged everything for you, so just do it."
"What else?"
They soon arrived at the commercial bank's headquarters. Hui Hongfang was already waiting at the door, and many bank employees were secretly peeking inside.
Hui Hongfang is simply a miracle in commercial banks. From a business hall manager, he is now about to become the general manager of the bank.
It's more terrifying than a salted fish turning over.
She was followed by Zhang Ruhai and Pang Deguang.
Both of them had given gifts to Chen Chen and were close comrades of Hui Hongfang. Now, they were all Chen Chen's men.
"Mr. Chen!"
A group of people surrounded Chen Chen, and Chen Chen was carried on Xiao Mo's back so that he could be equal to him.
“Have all the shareholders arrived?”
Hui Hongfang nodded and whispered, "The seven small shareholders are here. The bank has been suffering heavy losses recently, and these bosses can't stand it anymore. Our number of depositors is also constantly decreasing, and our deposits are almost at the bottom. I've already asked the bank to ask them for money."
Chen Chen nodded, his face full of seriousness. "If they don't pay back the money, I'll sue them and bankrupt them. Those who cooperate can have their debts reduced or forgiven. What I want is their shares!"
"I understand that several bosses have been shaken and are willing to sell their shares, but they hope to make some profit!" Hui Hongfang said.
This makes sense!
Chen Chen nodded. He didn't care if these people made a little money, as long as they cooperated.
"I like obedient people like this!" Chen Chen said, "Agree to their terms!"
When the group entered the office, Xiao Chen naturally sat in the main position in the middle. He looked at Hui Hongfang's other work reports.
"Yes, we've lost 500 million in just a few days. The results are impressive!"
The commercial bank has been losing money recently, and it's losing a lot of money. It was originally a company with a weak foundation and could not withstand Chen Chen's chaos. Now there is only 300 million yuan of capital left on the bank's books, which is not even as much as the change in Chen Chen's hand!
Just like this...those small shareholders dare to show off to me, the major shareholder. Aren't they courting death?
"If we increase the intensity and continue to pay compensation, we can lose up to 1 billion!" Chen Chen said.
A group of managers were dumbfounded. Zhang Ruhai and Pang Deguang were now Hui Hongfang's right-hand men. They knew Hui Hongfang's plan, but they broke out in cold sweats when they heard the number Chen Chen said.
This... is a capitalist!
Xiao Chen didn't care at all. He was about to speak when someone suddenly knocked on the door. After Hui Hongfang opened the door, a middle-aged man in his fifties came in!
The appearance of this person made Hui Hongfang look very unhappy!
Chen Chen looked at Hui Hongfang, who explained to him that the man's name was Lin De, and he was the former manager of the Commercial Bank.
At this moment, the new board of directors has not yet met, and Linde is still the general manager of the commercial bank!
Chen Chen nodded and said "oh", then looked at Lin De without saying anything!
"You must be Mr. Chen!" Lin De smiled falsely. He looked down on people like Chen Chen and Hui Hongfang.
A little brat and a business hall manager who just graduated and has only been working for a few years actually want to lead the bank?
This is a joke!
"It's me. Is there something you want to talk to me about?" Xiao Chen looked at the other person with a smile.
"Mr. Chen, I'm very worried about the bank's current situation!" Linde sighed. "If this continues, the bank may go bankrupt, and you will suffer huge losses!"
"Yeah!" Chen Chen didn't say anything.
[You're trying to trick me. You start by firing a cannon to scare me. Isn't this the way the ancient strategists used to do things? First they intimidate me, then they recommend their own ideas. Su Qin and Zhang Yi all did that!]
Lin De said, "I have a plan here. Mr. Chen, please take a look. As long as we follow my plan, our commercial bank will definitely turn the crisis into profitability."
"Oh, really?" Xiao Chen took the document and looked at him with relief. "Hey, don't tell me, I just looked at the latest bank statements. In just a few days, we've lost 500 million. Our bank is weak. If we keep losing money like this, we'll be finished. Won't my investment be gone too?"
"Let me see!"
Xiao Chen flipped open the document and said, "Increase the interest rate for depositors!"
"Yes, this way we can increase the number of depositors. The depositors will increase the principal on our books, and then we can lend it to high-quality companies... thus achieving a virtuous cycle." Lind said confidently.
Chen Chen nodded. "You said it very well. You are truly a genius. What comes next is issuing bank bonds?"
"Yes, in fact, many banks are very interested in our commercial bank. We can issue bank bonds to raise funds!"
Chen Chen nodded with satisfaction: "How much can you raise?"
"About 300 million, mainly because we are too small!" Lin De said
Hui Hongfang and the others couldn't help laughing when they looked at Lin De. Chen Chen glanced at them quickly.
Just be serious when acting.
Monk Chen looked at Lind and said, "Have you ever considered that our small size means high risk? Even so, there are still banks that want our bonds. Why is that? Do you think they could possibly acquire us?"
Linde frowned. He had certainly thought of this possibility, but he didn't care.
The documents he gave to Chen Chen were just to fool people. Linde wanted to continue working in the commercial bank and continue to be the general manager!
This is how such a file was created!
Chen Chen smiled and said, "Our commercial bank's savings interest rates are already higher than those of state-owned banks and other banks. If we raise the interest rates further, what will we do with the increased savings costs? And what about the loans you mentioned for high-quality companies? Who are these companies, and is there any guarantee of repayment?"
Linde was dumbfounded! This... little brat understood.
Chen Chen smiled and said, "How about this, you go back first. I'll look at the documents later. After I'm done, I'll come back and we can have a good chat and get a deeper understanding!"
Linde nodded. As soon as he left, Chen Chen picked up the documents and threw them into the trash can. He looked at Hui Hongfang and said, "What the hell is this? Is he just trying to fool me? Why didn't he mention getting the commercial bank listed for financing? Then I could believe he had some ability, or at least some ideas. But this is the end..."
Self-righteous, do you really think he is a fool?
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