money is not guilty

Chapter 42

Wang Chong's office was too small, so he led everyone to the small conference room on the second floor.

Zhao Xiaocheng has been dealing with banks for a long time, and he has already done enough homework before coming here. He has a clear understanding of Wang Chong's background, behavior preferences, etc. From his understanding, Wang Chong is not easy to deal with, especially when it comes to business. The six relatives did not recognize him, he knew that this bone was not easy to gnaw.

After everyone was seated, Zhao Xiaocheng said: "Chairman Qi originally came here in person for our Tianma Group loan, but suddenly received a notice from the city government the day before yesterday to temporarily accompany Vice Mayor Li to go abroad to inspect the project, so he specially entrusted me to come to discuss the project , before leaving, our chairman specifically told me to fully cooperate with your bank to provide good service."

Qi Zhongyuan is a representative of the Provincial People's Congress and has considerable influence in H Province and Donghua City.The municipal government organizes this kind of foreign project inspection every year. Firstly, it is to learn advanced foreign experience. Second, it is to strengthen communication and exchange between enterprises. Thirdly, this kind of activity is usually done well by the leaders of enterprises and governments. important channels of relationship.Zhao Xiaocheng's words concealed a mystery. On the surface, it was an emphasis on Donghua Bank. His real intention was to tell Wang Chong that Qi Zhongyuan had a close relationship with the leaders of the city government.

Wang Chong has been working in the workplace for a long time, so how could he fail to understand what Zhao Xiaocheng meant? However, the loans he is responsible for have always been based on principles, not affection, and did not make too many comments. If you are a star enterprise in the city, of course we as a bank are willing to deal with your group. How about Mr. Zhao introduce the project first?"

Zhao Xiaocheng said haha, "The project is not in a hurry. Anyway, our group's cash flow is not particularly tight now. This time, I am here mainly to visit Director Wang, to communicate with Director Wang, and to send an invitation by the way. , I heard that Director Wang is studying in Hong Kong, our company hired a chef from Hong Kong just now, I wonder if Director Wang would appreciate it?"

Wang Chong has long heard that Tianma Group will have a corporate financing issue that is due to be paid in the near future. He secretly thought that if he was not in a hurry, he would not ask Lin Tianhua for a loan through so many connections, but he did not say anything.Regarding the meal, Wang Chong was very jealous of this kind of meal, so he politely declined.

Zhao Xiaocheng was not discouraged, and casually said, "I heard that Director Wang is an excellent student of Professor Luo Zhisen from HKU University?"

Wang Chong wondered, "Is Mr. Zhao well-informed about the news?"

"It's just a coincidence that our Tianma Group just hired Professor Luo as the chief economic advisor of Tianma Group last month. At the end of this month, Professor Luo will take an academic leave to give lectures at Donghua University. Hong Kong listed as a guide, we, as landlords, may need to ask Director Wang for a lot of help when the time comes to receive work."

Only then did Wang Chong remember that the last time he talked with Luo Zhisen on the phone, Luo Zhisen said that he had come to Donghua for a while, so there was still this relationship in it. Thinking of this, Wang Chong smiled, "I have been with the teacher for two or three years. No see, but this time I got the honor of your company."

Zhao Xiaocheng said: "Whatever, Professor Luo is a well-known economics professor in China. It is our Tianma Group's honor to be able to receive his guidance. At that time, we will have to bother Director Wang more."

Wang Chong said: "That's what it should be."

Several people chatted in a neutral manner, from astronomy and geography to the situation in the Middle East, from macro policies to health care. Wang Chong saw that Zhao Xiaocheng was not in a hurry to talk about the project, and he didn't bring it up again.

Unknowingly, Zhao Xiaocheng changed the topic to sports, "Director Wang's physical fitness is so good, he should exercise regularly, right?" Wang Chong said that he has been insisting on running. Zhao Xiaocheng slapped his thigh, pointed at the woman named Kang Wan and said: "Coincidentally, Xiaokang from our company has practiced long-distance running before, and even participated in the Linhu Marathon last year."

Kang Wan shyly said, "It's been a long time since I've left it behind, so I need to learn more from Director Wang in this regard." As they spoke, the two began to discuss some common sense about long-distance running.

Chatting with beautiful women is a pleasing thing, but Wang Chong only has vigilance in his heart.Before this, Wang Chong didn't know much about Zhao Xiaocheng and Tianma Group, but after less than half an hour of communication, he found that this Zhao Xiaocheng was really not simple, and the seemingly casual topic could always hit Wang Chong's point.

After ten o'clock, Zhao Xiaocheng and others got up to say goodbye, and went to visit Gu Tiande.Wang Chong sent them to the stairs. Before leaving, Kang Wan suddenly said: "Handsome guy, add a WeChat. I have a lot of things to ask you for advice in the future."

Wang Chong handed over the business card, "Manager Kang, this is my business card, please call if you need anything."

Kang Wan was taken aback when she heard the words, so far, it was usually someone who asked to add her on WeChat, and this was the first time in these years that she was rejected, but she still took the business card, smiled, and said, "Keep in touch. "

Wang Chong, Su Lei, and Zhang Feifan returned to the office.

Zhang Feifei swallowed his mouth and said, "I thought our colleagues at the bank counter were already very fashionable. Look at the beauties of the Tianma Group, they are so different from each other."

Wang Chong said: "You kid should focus more on business."

Zhang Feifei said: "Master, I think that beauty surnamed Kang seems to be interested in you, has she taken a fancy to you?"

Wang Chong sneered, "I'm afraid it's because of the funds in our hands. Zhang Feifan, I warn you, don't let the sugar-coated bullets of capitalism corrupt you."

Zhang Feifan argued, "How is that possible?" Then he added, "However, we can eat the sugar coating and return the shells." Wang Chong reminded, "I'm afraid the shells will explode before we spit them out."

Su Lei smiled and said nothing.

Wang Chong said: "Since the superior has arranged this business, we will strictly follow the general rules of credit and the industry's regulations. In the preliminary data collection stage, I have three rigid requirements."

The two quickly picked up the notebook.

"First, two people, on-the-spot, and face-to-face investigations are required, and I will also participate at that time. Fanfan, you have suffered a lot here, do you know what to do?"

Zhang Feifei said: "Understood!"

"Su Lei, you have rich experience, take this kid with you more, and beat him up if you have any questions, this kid just doesn't have a long memory." Su Lei agreed with a smile.

"Secondly, Tianma Group plans to use its wholly-owned subsidiary Donghua Shunfa Aluminum Co., Ltd. for this loan. However, when collecting statements, the other party must provide the financial statements of all affiliated companies, and must Provide the audit report of the Big Four."

Su Lei said: "Their external audits don't necessarily use the Big Four?"

"I don't care about that. It's a requirement. It's a requirement for them. I don't want to spend months verifying their financial statements."

Zhang Feifan asked, "What are the Big Four?"

Wang Chong ignored him and continued: "Thirdly, Pang Shunyi, the legal person of Shunfa Aluminum, and Qi Zhongyuan, chairman of Tianma Group, must bear unlimited joint and several liability in their own names."

Su Lei's head got dizzy when he heard that, "It's okay to discuss the second one, but the third one might be a bit difficult for them."

However, Wang Chong said, "Now is the lender's market. It is not the time for us to ask for corporate loans a few years ago. If these conditions cannot be met, then there is no need to discuss the following matters."

Wang Chong said again: "Also, you have to remember that the account manager is the account manager of the bank, not the account manager of the client. This is a matter of position and must be clear."

"receive."

Only then did Wang Chong continue, "A few years ago, the electrolytic aluminum industry was blindly expanding with national policy support, and now there are signs of overcapacity. When you conduct investigations, you must do sufficient research on the entire industry policy and market risks. , remember not to be careless."

Wang Chong's words were not groundless.

The electrolytic aluminum industry is a low-barrier, high-investment, and capital-intensive industry. The downstream demand is relatively related to macro policies. In particular, the photovoltaic industry has been hit hard not long ago. The electricity price discounts and policy subsidies originally introduced by the municipal government have been suspended. The industry was in a cold winter. Lin Tianhua didn't quite agree with Tianma Group's use of Shunfa Aluminum as a loan this time, but because of the promotion of government leaders, he bit the bullet and handed over the matter to Wang Chong.

……

Gu Tiande was upstairs at the anti-money laundering work meeting today, while Zhao Xiaocheng and others were waiting in the president's reception room.Zhao Xiaocheng said, "What do you think of that Wang Chong just now, is it easy to deal with?"

Kang Wan said: "This is the first time I've seen such a person, but Mr. Zhao, don't worry, I will definitely do my best for this project."

Another beautiful woman, Li Xiao, said, "Instead of starting with Wang Chong, it's better to see if the handsome guy surnamed Zhang next to him has a chance. During the negotiation just now, I saw that she had been staring at Kang Wan."

Kang Wan said, "I think this Wang Chong is very charming, especially when talking about business, his eyes are very sharp."

Zhao Xiaocheng smiled and said, "Professional things, you go back and ask Manager Qi for more advice. The chairman has sent a message. If this business is negotiated, the project team will reward 100 million. Do you have any questions?"

The three laughed, "No problem!"

At this time, Gu Tiande walked into the meeting room and asked, "Why is there no problem? Are you so unanimous?" When he saw the three beauties in front of him, his eyes lit up, "Mr. come over."

Zhao Xiaocheng and Gu Tiande have known each other for a long time, he naturally knows that Gu Tiande is lustful, and said with a smile, "These three are business experts in our group, but compared with President Gu, they are still a bit inferior in morality, and President Gu needs to take time to give more guidance. .”

Gu Tiande said: "I'm old, I can't guide anymore." After finishing speaking, he exchanged glances with Zhao Xiaocheng and showed a knowing smile.

Seeing this, Kang Wan showed a disgusted expression in her eyes.

Zhao Xiaocheng knew that Gu Tiande was a great Tai Chi expert, and now he has a request for him. If he is not straightforward, he may not even have the opportunity to talk about business. To this kind of master who doesn't rub the sand in the eyes of a bachelor.

I am not afraid that the president speaks principles, but I am afraid that the president is not interested.

Gu Tiande said: "It's been a long time since I visited President Gu, what a sin."

Gu Tiande said, "Zhao is always busy, our Chengdong Sub-branch can't hold this great god."

"President Gu, what's the matter? Since I have fate today, I have booked a room at Starlight World. By the way, I invite Director Wang Chong. How about we have a light meal together?"

Gu Tiande waved his hand, "Wang Chong is not high enough, why call him? Tell me if there is anything, I will arrange for him to do it."