"Brother Dong, you seem quite anxious. Why don't I go with you?"
Hua Zi was silent for a moment, then suddenly spoke.
Chen Dong was taken aback when he heard this. After thinking for a moment, he nodded in agreement and then gave instructions to the driver.
"Master, turn around up ahead and head this way..."
"Okay, boss."
After saying that.
Chen Dong called Ma Guoliang again, briefly explained the time and place over the phone, and then hung up.
Half an hour later.
Inside a private room of a teahouse.
"Brother Li, I'm sorry to have kept you waiting."
"Haha, Brother Chen, you're joking. It's just that I'm a little closer from here, which is perfect, haha, perfect!"
The two shook hands warmly.
Chen Dong introduced the two individuals to each other.
"Brother Li, this is my friend 'Hua Zi,' who is a major shareholder in our Longteng Electronics."
"This is Li Aiguo, the branch manager of the Pengcheng branch of China Construction Bank."
Hua Zi said with a respectful expression.
"Hello, President Li."
"Why call me bank manager? Since you're Brother Chen's friend, just like Brother Chen, call me Brother Li."
"Brother Li!"
Li Aiguo laughed heartily and shook hands with Hua Zi with a smile.
"That's right, everyone sit down."
As the saying goes, you can't hit a smiling face.
Although I didn't understand Chen Dong's intentions, it's always good to make another friend.
After inviting the two to sit down, Li Aiguo refilled their teacups with tea.
The three of them chatted casually for a few minutes.
then.
Chen Dong changed the subject and said...
"Brother Li, you wouldn't come here without a reason. I'd like to inquire about a loan with your bank."
"You need a loan?"
Li Aiguo appeared very surprised.
He wondered if Chen Dong had asked him out because he wanted to know about the land approval.
Alternatively, one could use their connections to find out the leader's preferences.
Such things have happened before.
These days, Hong Kong businessmen who come to the mainland to make money all prioritize connections.
The only thing I didn't expect was that Chen Dong would ask about loans.
Li Aiguo also learned some details about Chen Dong's background through indirect means.
At this age, he is also a billionaire.
Whether in terms of ability or skill, he can be considered a prodigy.
However, how could such a person take out a loan?
Li Aiguo was completely baffled.
"That's right!"
Chen Dong smiled and nodded, then inquired about the relevant loan policies.
Li Aiguo's answer was also quite standard.
Essentially, loans require qualifications, collateral, and in cases involving large sums, a third party, namely a guarantor, is also needed.
In Chen Dong's view, this was quite normal.
If the borrower goes bankrupt or is unable to repay the debt, the bank will directly seek repayment from the guarantor.
This is also a way to avoid non-performing loans and bad debts.
At that time, there was no securities market.
The stock markets in Pengcheng and Mingzhu City will not officially open to the public until the end of 1990.
In other words, relying on equity pledging is not a viable method.
Chen Dong is from Hong Kong.
The two companies are Longteng Electronics and Longteng Foreign Trade, located in mainland China.
It sounds pretty good, and the cash flow is also complete.
But in the eyes of the bank, this is not much different from a shell company.
Nothing more!
The collateral required by banks must be in the form of physical assets that can be seen and touched; this is also called net assets.
Whether it's Longteng Foreign Trade or Longteng Electronics.
The office space they occupy is all rented.
Longteng Electronics is a bit better, at least it has equipment worth millions, but Longteng Foreign Trade is even worse, its warehouse is leased.
It would be a miracle if they could actually get a loan.
It was at this moment.
Ma Guoliang arrived late.
Upon entering the private room and seeing the group, he quickly apologized.
"Sorry, sorry, we were a bit far from here just now."
"Mr. Chen, I..."
Chen Dong interrupted him, smiling as he spoke.
"Manager Ma, you've met Brother Li before."
Upon hearing this...
Manager Ma presented it with both hands and said apologetically.
"I'm sorry, President Li, I'm a step too late."
"Manager Ma, I've been wanting to meet you for a while now. You must be a very important person with a bad memory. I'm already very happy to see you."
"Now that everyone is here, let me speak."
After Ma Guoliang sat down, Chen Dong continued.
“Brother Li, I have $5 million in HSBC, and I would like to deposit it into your bank.”
"That's great news!"
Upon hearing the offer of $5 million, Li Aiguo's eyes lit up.
But he quickly returned to normal.
Adding to Chen Dong's recent inquiry about the loan, he felt that things weren't as simple as they seemed.
really!
Chen Dong then said, "Brother Li, I have very few assets in mainland China, so it will be extremely difficult for me to get a loan."
“I understand this. We’re friends, but this is a separate matter.”
"I would like to borrow RMB 23 million from your bank with this $5 million in cash. Is that possible?"
this!
Chen Dong's words made Li Aiguo even more confused.
$5 million, which, at the current exchange rate, is equivalent to 23.94 million RMB.
What kind of show is this?
Li Aiguo looked at Chen Dong with a puzzled expression. He couldn't understand what Chen Dong's purpose was in doing this.
If Chen Dong really had $5 million, not only their bank, but any one of the four major banks would exchange it for him, and even more.
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