Early the next morning, Su Ruoyan had already started to take action. First of all, she went to the company to arrange some tasks. Because the new funds had not been in place, there were many things that could not be implemented. Now, they were just implementing according to the original plan. The main thing was whether they could get the new funds. Su Ruoyan had already told the board of directors that she would definitely be able to get the loan. Although she said that she was very confident, to be honest, she was still not sure because she didn't know if Li Huailin could think of a way. Seeing Li Huailin's assurance yesterday, Su Ruoyan also believed him, but Su Ruoyan didn't know what the other party would do.
Although she didn't receive a call from Li Huailin in the morning, Su Ruoyan didn't call him because Li Huailin said that he would give Su Ruoyan a reply within a day. It was not even a day yet, so Su Ruoyan didn't want to rush him. Instead, she chose to go directly to Hua Xia Commercial Bank.
She walked into the head office of Hua Xia Commercial Bank in Xiaoshan City and expressed her intention. Soon, President Min took the initiative to come out and receive Su Ruoyan. Although their bank didn't have any big cooperation with Tiancheng Group before, as one of the largest groups in Xiaoshan City, the president here didn't dare to be too negligent.
"Manager Su, we already know your intention, but I can ask you something. The bank that cooperated with your group before has always been Hua Xia Construction Bank, and there doesn't seem to be much contact with our Hua Xia Commercial Bank. I wonder why you suddenly want to cooperate with us this time?" President Min also asked curiously.
"I urgently need funds now, but the Construction Bank doesn't have so much funds to provide us. We heard that your bank has recently withdrawn a large wave of funds, so I thought of cooperating with you," replied Su Ruoyan.
"A large wave of funds?" President Min was a little confused. "I wonder how much does Tiancheng Group need to borrow this time?"
"260 million yuan," replied Su Ruoyan immediately.
"260 million yuan?" President Min was immediately shocked. This was not an ordinary number, because he had just talked about this with Baifeng's people yesterday. Baifeng Group had already applied for a loan at the beginning of this month, and the amount was exactly 260 million yuan. Moreover, this loan had entered the final review stage. If there was no major problem with the information provided by the other party, the loan would be transferred to the other party's account within three days. Now that Su Ruoyan mentioned this number, President Min immediately understood what she meant.
"Manager Su, are you eyeing the loan of Baifeng Group?" President Min immediately said, "Manager Su, although I don't know where you got this news, I can tell you that our bank has indeed withdrawn 260 million yuan of funds to loan to Baifeng Group, and this fund has entered the final review stage. Within three days, this fund will be loaned out. Isn't it a little too late for you to mention this fund now? Moreover, our bank has always had a good relationship with Baifeng, but this is the first time we have cooperated with you. It's reasonable for us to loan this fund to you instead of Baifeng."
"As far as I know, there seems to be a problem with Baifeng Group's operation now, and it has been in a state of deficit." Su Ruoyan smiled slightly and said, "President Min, should we consider whether Baifeng Group really has the ability to repay this loan now?"
This sentence made President Min hesitate a little. Indeed, Baifeng Group's loan didn't need to be so troublesome at all. Now, just the financial situation of the other party had been reviewed for more than half a month, just to see if the other party had the ability to repay the loan. However, after more than half a month of understanding, President Min judged that the other party still had the ability to repay the loan, and he made up his mind to lend it to the other party, so he agreed.
After thinking about it, President Min still said with certainty, "According to the other party's current situation, I think the other party should still have the ability to repay the loan, especially since the other party's real estate, Linjiang Garden, will be sold next month. The funds should be back very soon, and I think there shouldn't be a big problem to repay the loan. In short, Manager Su, let me be clear with you. Under the same conditions, we will definitely consider Baifeng Group, which has cooperated with us for many years, instead of you. "
"Under the same conditions?" Su Ruoyan asked.
"Of course, we are all businessmen. If you can have better conditions, we will naturally consider it," President Min said with a smile.
Su Ruoyan naturally understood what the other party meant. Although President Min and Baifeng Group had been friends for many years, as long as the conditions here were better than the other party, they would naturally choose her. After all, it was a business. However, these conditions should not be very good. For example, increasing the loan year, increasing the amount of the loan, or directly letting you bear some non-performing funds, was not a good thing for Tiancheng Group.
"Our loan conditions are the same as Baifeng's. One year loan, the interest rate is 6.58%." Su Ruoyan said that one year was a more important watershed, because the loan within one year was a short-term loan, and the interest rate was relatively low, while the loan more than one year was a long-term loan, which was another interest rate.
"Hehehe …" President Min really laughed. "Manager Su, I just said, since the conditions are the same, why should I choose you and not our old customer, Baifeng Group, which has cooperated with us for decades? Manager Su, to be honest, I do not see any sincerity from Tiancheng Group. I think there is no more cooperation between us. You should go talk to your cooperative bank about the loan. As for me … "
President Min was obviously rejecting. Although Su Ruoyan did not have any expression, the secretary, Tian Jing, was very anxious. She had just been sent to be Su Ruoyan's secretary. She did not know how capable Su Ruoyan was, but seeing that the first thing was about to be messed up, she was very anxious.
"Wait, President Min …" Tian Jing quickly stood up and said, "Why don't you take a look at our company's materials first?"
Tian Jing wanted to stall for time and think of a way. Otherwise, the other party would just send them away, but President Min seemed to have made up his mind. He waved his hand and said, "I don't think that's necessary. I still have something to do. Why don't …"
Before President Min could finish, the door of the reception room suddenly opened. Through the glass, President Min could see his vice president gesturing at him anxiously.
"Please wait a moment. I will go see what is going on." President Min saw that his vice president seemed to have something urgent to say, so he stood up and went to the door. Su Ruoyan didn't know what to say, so he stood up and left.
"Manager Su, it is impossible for us to get a loan like this," Tian Jing whispered to Su Ruoyan. Tian Jing whispered to Su Ruoyan. She was a professional in finance, and she had been in this industry for almost ten years. She thought that Su Ruoyan had just graduated from university and did not know much, so she tried to teach her. "If we don't give them some benefits, we won't be able to get a loan. I think this President Min and Bai Feng have been working together for so many years. You said they don't have any private dealings?
"Don't panic," Su Ruoyan stopped Tian Jing. Su Ruoyan raised her hand to stop Tian Jing. "Before this, I did not have much confidence. But just now, I suddenly got the winning point."
As Su Ruoyan spoke, she took out her phone. While they were talking, Su Ruoyan suddenly received a message from Li Huailin. The message was simple. "It's done. Don't worry."
"Winning point?" Tian Jing did not know what was going on. She asked, "What winning point?"
As soon as Tian Jing finished speaking, President Min, who was at the door, suddenly ran back, sweating profusely. He immediately sat in front of Su Ruoyan and said very seriously, "Manager Su, that … I thought about it carefully. We should still have room for cooperation with Tiancheng Group, especially this time. Tiancheng Group is the leader of Xiaoshan's real estate industry. Tiancheng Group is the leader of the real estate industry in Xiaoshan City. If they cooperate with our commercial bank, it will be a powerful alliance. It will be a great thing. I think we should talk about the loan very carefully. But now there is an urgent situation. I need to go over and deal with it. I don't know if Manager Su is free tomorrow or the day after tomorrow. We can meet again and talk about the loan. What do you think? "
"Oh? President Min, do you really mean that? " The 180-degree change in the other party's attitude could be seen by anyone. Su Ruoyan also smiled slightly and said with a hint of teasing.
"Yes, we are very sincere here," President Min immediately said.
"Sure. If that is the case, I will come visit tomorrow." Su Ruoyan stood up and shook hands with President Min. "I hope we can have a good cooperation."
"Yes, for sure," President Min said, standing up.
Walking out the door of the bank, Tian Jing had yet to react. Why did he suddenly change so much? His face was so high profile, as if he did not want to talk to her, but the next second, he looked like he was trying to please her. She looked at Su Ruo Yan. Tian Jing wanted to ask what was going on, but her phone rang. Tian Jing quickly picked it up.
"Yes, it's me. Say … Ah? What? Wait, is it true? Let me check on the Internet. Okay, I will be right there. "Tian Jing hung up and immediately used her phone to check on the Internet.
"What is it?" Su Ruoyan asked.
"Something big happened at Bai Feng's construction site," Tian Jing said with shock.
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