"Comrade, is this the credit department of ICBC?"
"Yes, hello. What kind of business do you need?"
"I'm the person in charge of Hot Pot Beauty. Recently, I want to expand my business. I want to borrow 10 million yuan from your bank. Is that okay? This is my ID card and the registration information of Hot Pot Beauty. "
Chen Simian took the information and really went to an ICBC in Shencheng's CBD.
"Hot Pot Beauty. So you're the owner of Hot Pot Beauty. Your hot pot restaurant is very famous in Shencheng."
"Thank you."
"You're welcome. I've eaten in your restaurant before. The service is very good. But I want to ask, do you have a mortgage? "
"Mortgage?"
"For example, real estate or fixed assets?"
Chen Simian shook his head. "No."
"Then I'm sorry. Without a mortgage, it's difficult for us to provide you with such a large loan."
"Didn't you say that our Hot Pot Beauty is very famous?"
Chen Simian was a little embarrassed.
He already knew that a bank loan was not so easy to get.
To think that he believed what Xiao Yu said.
"Mr. Chen, I'm really sorry. There are rules for bank loans. Your Hot Pot Beauty is indeed very famous, but after all, it hasn't been established for long. Plus, you don't have any fixed assets. With your scale, we can only give you a credit of a few hundred thousand yuan at most."
"What's the use of a few hundred thousand yuan?"
"Mr. Chen, it's because you're the person in charge of Hot Pot Beauty that we can give you a credit of a few hundred thousand yuan. Otherwise, an ordinary person can only get a credit of 20,000 yuan at most. "
"Forget it, there's no need."
Chen Simian did not want to talk anymore. He was ready to leave.
"Mr. Chen, are you the legal representative of Huanyu Technologies?"
Suddenly, the ICBC credit officer saw another piece of information displayed on the computer and asked.
"Uh …"
Chen Simian was a little confused, but he still said, "Yes."
When Huanyu Technologies was first established, they used Chen Simian's ID card. Therefore, Chen Simian was also the legal representative of Huanyu Technologies.
"Mr. Chen, you're too humble. Why didn't you say that you're the legal representative of Huanyu Technologies earlier?"
"Well, well, I'm mainly taking a loan for Hotpot Xi Shi."
"It's okay. 10 million is not a big deal. It doesn't matter which company I get the loan from."
"Didn't you say 10 million is a lot?"
"Mr. Chen, please don't laugh at me. I was wrong. I was wrong, okay?"
The ICBC loan specialist kept apologizing to Chen Simian. "Mr. Chen, isn't 10 million yuan too little?"
"10 million is a little too little."
These days, Chen Simian had also done some research. If he wanted to get these channels, he would have to invest at least 20 million yuan in the initial stage. However, this was just the beginning. Chen Simian did not have the guts. He followed Chen Yu's suggestion and borrowed 10 million yuan.
"Isn't that right? I already said that 10 million is too little. Why don't you modify it and take a loan of 100 million?"
"100 million?"
Chen Simian was dumbfounded. "You must be kidding."
"How could that be?"
The ICBC credit officer had a serious expression.
"Are you really going to lend me 100 million?"
"How could it be fake?"
"Aren't you afraid that I'll run away with the money?"
"Listen to what Mr. Chen said. You can run, but Huanyu Technologies can't."
"But Huanyu Technologies doesn't seem to be worth 100 million."
Although Chen Simian knew that his son's Huanyu Technologies was very powerful, 100 million yuan was too scary. Moreover, his son's company didn't have any products. He didn't know if it was worth 100 million.
Anyway, Chen Simian never knew what his son was doing. He only knew that there were hundreds of employees.
"Don't, don't, don't … I don't want a 100 million loan. If you really want a 100 million loan, you might want me to mortgage 100% of Huanyu Technologies shares to you."
Although Chen Simian was the legal representative of Huanyu Technologies, it was his son's. How could he touch it?
If Hot Pot Beauty lost money and implicated his son's company, it wouldn't be worth it.
"Mr. Chen, you're joking again. Huanyu Technologies's current market value is at least 30 billion. If you want a 100 million loan, you only need to mortgage 1% of your shares to us."
"What?"
Chen Simian was stunned. "You're saying that Huanyu Technologies is worth 30 billion?"
"Sorry, sorry. I said at least. An expert estimated it to be 40 billion. However, we'll make a comprehensive assessment. We won't underestimate you. "
"Well, that's all for today. I'll go back to the company first."
"Mr. Chen, don't go. We can discuss this. I'll ask our manager to come over and talk to you in detail. What do you think?"
"Don't go. It's fine if you don't want to mortgage your shares. We'll give you a personal guarantee of 10 million yuan. How about that?"
However, at this moment, Chen Simian took the documents and left ICBC in a flash.
As for the reason, he had to go back and calm down.
More than 30 billion.
40 billion …
Was this really his son's company?
…
"Son, I'm asking you a question."
"Go ahead, Dad."
"How much is that Huanyu Technologies of yours worth?"
"This, I don't know."
Chen Yu shook his head.
Huanyu Technologies wasn't listed yet. He didn't know how much it was worth.
"Why don't you know? I heard that your company is worth a lot of money."
"Who said that?"
"The people from ICBC."
"Dad, did you get a loan?"
"Yes. I went to Tianwen today. I said I would get a loan of 10 million yuan. At first, they didn't want to give me the loan. Later, they did some research and found out that I'm the legal owner of Huanyu Technologies. They changed their mind and said they would give me a loan of 100 million yuan. "
"Since they can get a loan, that's great."
"Xiao Yu, are you forcing me to do something?"
"Dad, why would I force you to do something?"
"Then tell me, how much is that Huanyu Technologies of yours worth?"
"Well …"
Chen Yu felt a headache coming on. "I don't know the specifics. However, some experts have estimated it to be around 30 to 40 billion yuan."
"30 to 40 billion yuan. Oh my god … it's true."
Chen Simian was completely dumbfounded.
He didn't expect his son to be a billionaire.
No, no, no … he was a billionaire.
"Dad, Dad … what's wrong?"
"No, nothing."
After a while, Chen Simian woke up from his shock. "Son, do you think I still need to get a loan?"
"Of course. Why not?"
"But son, you're already worth tens of billions. Why would I still need to earn money?"
"This isn't about earning money. This is your career."
"Eh … you're right."
Chen Simian scratched his head. "That's all for now. I'm hanging up."
There were still some things that Chen Simian didn't understand. He hung up the phone.
"Sigh, Dad …"
Chen Yu smiled.
This news was indeed a little shocking.
However, Chen Yu believed that his father would accept it soon.
…
"Chen Yu, what exactly is the model of your family's hotpot restaurant?"
"Haven't you been secretly learning these days? How come I didn't see it?"
"I didn't see it."
Yang Bin shook his head. "At first, I thought it was service. Later, I realized that it wasn't service. However, the problem is that all the customers who come to the restaurant have the highest evaluation of our service. "
"You should continue to study it."
Chen Yu didn't answer directly. He opened the YY music player and prepared to listen to music to relax.
Recently, the YY music player added a setting to proofread lyrics. The YY music player suddenly exploded.
All kinds of karaoke lyrics that were accurate to the word became a big highlight of the YY music player.
The hottest song of the week.
Chen Yu chose the hottest song of the week to listen to.
"I hear your voice. I have a special feeling …"
Chen Yu closed his eyes and listened to the song. He felt all the fatigue in his body disappear.
"Chen Yu, what's the name of this song?"
"Which song?"
"Is this the one?"
"Mice Love Rice."
Chen Yu blurted out.
However, after he said that, Chen Yu was also stunned. "Mice Love Rice?"
Wasn't this the most popular song on the Internet in his previous life?
When he opened his eyes and saw that "Mice Love Rice" appeared on the YY music channel, Chen Yu understood what was going on.
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