Starting today, Dapeng Computer Company will have to pay interest on a loan of 17 million yuan.
How much is the monthly payment? 320,000 yuan.
This amount is the result of negotiations between Li Cheng and President Gao.
To be honest, Li Cheng is not a person who cares about every penny, and President Gao is not a person who haggles over every penny. When the two of them were negotiating about the loan interest rate, they deliberately gave in to each other.
This was probably a rare occurrence at the negotiation table, as if both parties were thinking of the other party. In the end, President Gao, a man of great expertise, explained that the printing and dyeing factory was a struggling enterprise, thus qualifying for the relevant interest rate concessions.
Since Dapeng Computer Company has taken over the original debts of the printing and dyeing factory, it should continue to enjoy the preferential treatment.
What else could Li Cheng say? He had to listen to him.
In reality, both felt they had gotten a good deal. President Gao had solved a major problem, and Li Cheng had obtained the right to use the land for the printing and dyeing factory.
This was a win-win situation for everyone, so after the contract was re-signed, things started to move quickly.
The city allocated a remote, newly cleared plot of land to the dyeing and printing factory. Li Cheng visited once and noticed something strange about the place. Upon inquiring, he discovered it was a former garbage dump.
Thinking that this was allocated to the printing and dyeing factory free of charge by the city, everyone, including Li Chengdu, was speechless. However, Master Hao and his colleagues were very excited because a new printing and dyeing factory was about to be established and their jobs would be secured.
However, this printing and dyeing factory has a new debt, which is the 6 million matching loan issued to them by President Gao.
When issuing this loan, Li Cheng gave President Gao another idea.
President Gao couldn't quite put his finger on Li Cheng's suggestions. He felt like he was being used. But if he didn't listen, he wouldn't feel at ease.
After much hesitation, he finally let Li Cheng express his idea.
Li Cheng said: "If we want to prevent the bad things that are happening in the printing and dyeing factory from happening again after investing six million yuan, we need to standardize the operations."
Standardized operation? How to standardize operation?
Li Cheng said, "The land for the new printing and dyeing factory was allocated free of charge by the city to accommodate the workers. Therefore, the six million yuan loan cannot be secured by this land. If, and I mean if, the printing and dyeing factory fails again, will the six million yuan be wasted again?"
President Gao sneered and said, "Is that even a question? Even if it's more money, let alone six million, it will be wasted."
Li Cheng added, "President Gao, you are a senior financial manager. Can you bear to let this kind of financial anomaly happen again and again?"
Li Cheng's question made President Gao very sad. Who wants to see money go to waste? No matter whose money it is, no one wants to see it go to waste.
Is there any solution? While there is a loan system, and regulations have been revised in recent years, such as loan collateral and loan guarantees, enforcement is incredibly difficult. Furthermore, guarantees between struggling companies are effectively no different than no guarantees at all.
"It's so hard for me!" President Gao said with a sigh.
"It won't be difficult if you listen to me." Li Cheng said with a smile.
President Gao looked at him with a sidelong glance at his playful appearance and thought to himself, I know it won't be difficult if I listen to you, but I want to know what tricks you are up to.
"Tell me about it."
Li Cheng said, "Let the printing and dyeing factory find a reliable company to guarantee them."
When President Gao heard this, he got angry and thought to himself that it was the same as if he hadn't said anything.
But Li Cheng continued, "If they can't find it, I can contact one for them."
At this point, President Gao finally understood Li Cheng's intentions. He said, "You're not asking your computer company to guarantee them, are you? The printing and dyeing factory is already overpriced. Asking the computer company to guarantee it, isn't that a bit too much?"
In President Gao's eyes, the printing and dyeing factory's original land was not worth 17 million. Dapeng Computer Company took over the 17 million debt, effectively using the printing and dyeing factory's land as collateral, effectively taking out a 17 million loan.
President Gao agreed to Li Cheng's move because, firstly, the situation was special, and secondly, it was because President Gao was in a sensitive period and wanted to resolve the matter as soon as possible. Therefore, he agreed to Li Cheng's plan.
After all, the 17 million was originally wasted, so any amount he could get back now would be a good thing. As for what would happen in the future, he was about to leave this position anyway, so no matter what happened in the future, it wouldn't be his fault.
But President Gao had been in the industry for many years, so he had to have some sense of purpose. If Li Cheng used the original land of the printing and dyeing factory as collateral to guarantee the new printing and dyeing factory, President Gao would think that Li Cheng had gone too far.
"Did I say I'd use Dapeng Computer Company as collateral? Did I say that?"
Obviously, Li Cheng was unhappy because President Gao said he was going too far.
President Gao was stunned and said, "Huh? So, you're not using the computer company as collateral?"
Li Cheng snorted and said, "Of course. After all, I work at a bank. How could I do such an outrageous thing?"
President Gao glanced at him and thought to himself, you've been going around in circles, and finally such a large piece of land as the printing and dyeing factory has fallen into your hands. Isn't that outrageous enough?
"What I mean is, how about finding a reliable company, a national one?"
Looking at Li Cheng's flickering eyes, President Gao realized that Li Cheng had already planned this. So, he smiled and said, "Okay, go to the credit department and see Director Zhao. We can discuss the details."
President Gao no longer wanted to get involved in this mess. Even though the water had gradually become clearer, he didn't want to touch it anymore.
I can’t stand it!
He really couldn't stand Li Cheng coming up with an idea every now and then, and then he had to go to lobby all parties one after another.
Anyway, the dust has settled, so he can let his subordinates handle the other small matters. He is going to go to the city branch to put in some effort for his own affairs.
After Li Cheng left, President Gao packed up his things while thinking about what had just happened.
In fact, he didn't know whether Li Cheng's decision to secure the 6 million yuan loan was motivated by public interest or selfishness. But that didn't matter. What mattered was that it was better to have a guarantee than not.
Banks are also shifting their focus from policy to commercial lending. Secured loans are the inevitable trend. Li Cheng's initiative to find a guarantor for the printing and dyeing factory, regardless of his purpose, is in the bank's best interest and sets an example for its future development.
This can also be included in your work report! No matter how powerful Li Cheng is, he is still a branch employee after all.
When he thought of this, President Gao suddenly laughed, and then muttered to himself: "Boss Li, should I give you a heads-up before I leave?"
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