When Shen Fu arrived at the bank, the bank manager had already been waiting at the door for a long time.
Upon seeing Shen Fu, President Wu warmly greeted him and said respectfully, "President Shen, it's a pleasure to meet you."
Shen Fu also extended his hand and said politely, "President Wu."
The group walked into the bank office together.
Yi Yue also took out the materials she had prepared in advance and handed them to him.
After carefully reviewing the documents, President Wu said frankly, "It is an honor for our bank to be able to contact President Shen and cooperate with Shenhao Group, but... as you know, business has been difficult in recent years, and our bank is on the verge of going out of business."
"It's not just the impact of mobile payments that's affecting us, but also because our bank has a small reputation, and nobody wants to deposit money here." President Wu seemed particularly helpless: "Without customer support and without income from intermediary business, the bank can't cope with operating expenses."
"This loan was something I barely managed to get after applying to my superiors for a long time... so the amount might not be what President Shen expected..."
In fact, President Wu's behavior was quite risky.
At a time when Shenhao Group has such a poor reputation, it is rash to lend out a large sum of money.
If Shenfu is unable to repay this debt, not only will President Wu be in trouble, but their small bank may also face the risk of bankruptcy.
"President Wu is overthinking it. Those who are willing to lend a helping hand and provide financial assistance at this time are all benefactors of our Shenhao Group." Shen Fu said, "No matter how much or how little the loan is, I, Shen Fu, will remember this kindness for the rest of my life."
With Shen Fu's words, President Wu felt much more at ease.
He immediately patted his chest and assured her, "Mr. Chen, don't worry, I will definitely try my best to get you the lowest possible interest rate!"
...
After some communication and discussion, the two parties finally signed a loan agreement for 2 million.
"The documents have all been submitted, and the approval process will take about a week. I will urge them to expedite the process. Mr. Shen can also check the progress through the mobile app."
President Wu stood up, respectfully extended his hand again, and shook hands with the other person: "Thank you for your trust and support of our bank."
Shen Fu bowed slightly, his attitude humble, and said, "You're too kind. I'm the one who should be saying thank you."
...
After the loan was settled, President Wu insisted on seeing Shen Fu to the bank.
After saying goodbye, the two sides were about to leave when they unexpectedly ran into Long Batian.
Unlike Shen Fu, Long Batian came to the bank to deposit money.
The neighboring Yuncheng Development Bank is the largest bank in Yuncheng City.
As of June last year, Yuncheng Development Bank's total assets reached 2.39 billion yuan, with a non-performing loan ratio of only 0.93% and a capital adequacy ratio of 15.95%.
It is the preferred credit bank for major corporate groups.
As the bank's largest client, Long Batian's appearance not only mobilized all the bank's employees, managers, and president, but also created an unprecedentedly lively atmosphere.
In this stark contrast, the atmosphere at Mingzhu Bank, with only three people present, seemed much colder.
Surrounded by a group of people, Long Batian felt secretly pleased.
Especially after seeing Shen Fu, this intense vanity swelled to an unprecedented level.
He walked unhurriedly toward Shen Fu, a cold smile playing on his lips, and said, "Oh, isn't this President Shen of Shenhao Group? I've heard so much about you."
Shen Fu smiled slightly and returned the courtesy, saying, "So it's... Wodima, General Manager Long from the Oilfield Equipment Company. It's a pleasure to meet you..."
Long Batian: "..."
Why did those three particularly emphasized words give him the inexplicable feeling that he was being mocked?
...
Long Batian looked at the Pearl Bank behind Shen Fu.
The old walls, the not-so-pretty decorations, and the awkward and reserved Director Wu standing there all dispelled Long Batian's displeasure.
He asked smugly, feigning ignorance, "Mr. Shen, are you here at the bank today to apply for a loan?"
"Yes," Shen Fu readily admitted.
A sense of superiority welled up within him, and Long Batian said pretentiously, "What kind of money can you borrow from such a dilapidated and small bank? If President Chen needs it, he can simply ask me directly, and I will naturally be merciful..."
“Sure.” Shen Fu showed no embarrassment whatsoever, and instead went along with him, saying, “Since President Long has brought it up, it wouldn’t be right for me not to. How about lending me 10 million?”
Long Batian was speechless, not expecting Shen Fu to say such a thing.
A moment of panic shot through him, but he forced himself to remain calm and said, "It's only 10 million..."
“It’s just 10 million…” He turned around and asked the bank manager behind him in a low voice, “Can I withdraw that much money from my account all at once?”
“Yes, we do, but…” President Zhou’s forehead was already sweating profusely with tension: “But the procedures will be very complicated. After all, 10 million is not a small amount, and we need to make an appointment more than half a month in advance. Moreover, our branch does not have that much cash, and we will need to apply to the branch or even the head office for fund allocation… Most importantly, I personally do not recommend that President Long do this…”
Meeting Shen Fu's gaze, President Zhou said tremblingly, "President Long should have seen the recent news, right? Shenhao Group is facing a cash flow shortage and its stock has plummeted. This loan could very well be a complete loss..."
The most important point is...
If he really takes the money, wouldn't the business he worked so hard to secure be ruined?
...
Hearing what Director Zhou said, Long Batian had to admit that he breathed a sigh of relief.
He spread his hands, seemingly helpless, and said, "Look, it's not that I'm unwilling to lend it, it's just that I have no other choice. It's not my fault."
"It's alright." Shen Fu smiled and casually asked, "Where has President Long been making his fortune lately? Why didn't you take me with you?"
Long Batian and Shen Jiahao jointly invested in a plot of land in Lishuijiang to develop villas.
Shen Fu had been aware of this matter all along.
But I heard that construction suddenly stopped halfway through.
What is most suspicious is that after investing so much money and resources, Long Batian still has such a huge amount of funds in his hands.
What secrets are being hidden behind this? That's something he should investigate thoroughly when he gets back...
...
A fleeting look of inquiry crossed Chen Fu's eyes.
Long Batian suddenly became nervous: "I didn't make any money... just enough to make a living..."
Shen Fu raised his eyebrows and narrowed his phoenix eyes.
That gaze was too dangerous.
In his presence, Long Batian felt that all his secrets were exposed.
He was stammering and about to make an excuse to leave when he heard Shen Fu suddenly say, "Since President Long is busy, then I won't bother you any longer."
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