Countercurrent 1982

Chapter 959 tacit understanding
"At present, our company is developing faster and faster, and we need to invest more and more funds. Now our domestic home appliance industry is very hot. Our factory's speaker products have a very high market share of similar products in China, and they are also well-known throughout the country. brand-name products, so I plan to expand several production lines this year..." Duan Yun explained to He Qiang.

"Manager Duan, is it too much for you to borrow another 2500 million yuan?" He Qiang frowned slightly, and then said, "If you are willing to borrow a little less money, I can give you some discounts..."

"A penny of 2500 million can't be less." Duan Yun shook his head, and then said: "Manager He, let me tell you this, opportunities in the business field are fleeting, and this year can be said to be the fastest growing domestic home appliance market. In 20, various home appliance production lines were introduced across the country. Many established home appliance companies are also constantly expanding their scale to upgrade their product technology and equipment. The consumption in the domestic home appliance market has always been in short supply, including in our Daxing Here, many people buy home appliances and need to find a relationship to approve the note. This year, our speaker products have sold more than [-] sets, and there are still a steady stream of orders. As long as the loan is in place, I can guarantee that it will not In one year, I will be able to pay back the money with interest..."

"Refrigerators, washing machines, tape recorders, these things are really in short supply, but as far as I know, audio products are not a must-have for ordinary families, right?" He Qiang said, holding his glasses with his hands.

He Qiang is still very shrewd. Being able to serve as a branch manager in his early 30s is enough to prove his ability and brains. Duan Yun's business fails, and if the loan becomes a bad debt, he will still be responsible.

Duan Yun has been secretly changing the concept just now. Domestic household appliances such as TVs, refrigerators, and washing machines are indeed in short supply, but this does not include audio. Speaker products are still a luxury in China at present. Although there have been more and more domestic audio enthusiasts in the past two years, and many provinces and cities have already established audio enthusiast associations, their rigid needs are still not comparable to the three major items such as TVs, refrigerators, and washing machines. Qiang still has a clear understanding.

"Manager He, strictly speaking, audio products are not rigidly needed products, but with the gradual increase of national income and cultural level, the requirements for the quality of life are getting higher and higher, and the Tianyin subwoofer produced by our factory is well-known among similar products. The highest sales volume is also the first among similar products in the country, and it is also exported overseas. Up to now, the sales enthusiasm is still unabated, and there are a large number of orders every month..." Duan Yun said.

"I admit that the turnover of your electronics factory last year was indeed not low, but as far as I know, your company's revenue seems to have declined in recent months..." He Qiang said with a slight frown.

He Qiang has been focusing on the development of Duan Yun Electronics Factory over the past year. He has a clear picture of the financial situation of Duan Yun's main factory every month, so Duan Yun said that the sales of his speakers are still very optimistic. Qiang obviously didn't believe it.

In fact, if the loan amount Duan Yun needs is controlled at about 1000 million yuan, He Qiang can still grant it to him. The 2500 million loan amount is too huge, and he has to be cautious.

"Manager He, the cash flow in our bank does not represent our actual business situation..." Duan Yun said.

"Also, last year I discovered that your capital flow was a bit abnormal. Before, a scientific and educational instrument center in Shenzhen transferred 480 million yuan, and later transferred 40 yuan one after another, with a total of 500 million yuan. Can you tell me about the money? Is it the purpose?" He Qiang asked Duan Yun again.

He Qiang has always suspected that Duan Yun is engaged in some gray business, including reselling assets and money laundering. Although there is no clear legislation on this kind of economic crime in China, and the crackdown is not strong, it is likely to become a hidden mine. In the end, Duan Yun's assets were transferred to the golden cicada, and the bank's loan could not be recovered.

"Hahaha." Hearing this, Duan Yun suddenly laughed.

"Manager Duan, I'm just making a routine inquiry according to the work procedure. After all, the loan amount is too high..." Seeing Duan Yun suddenly laugh, He Qiang quickly explained.

"You're right to ask. If someone asked me to borrow so much money, I would definitely ask more than you." Duan Yun smiled, and then said: "Actually, I bought the money through a company in Shenzhen. The money for the Japanese tape recorder production line, the Japanese production line has been installed and can be put into production soon..."

"Japanese tape recorder production line?" He Qiang was startled when he heard this.

Although many companies in various provinces and cities across the country have introduced foreign production lines, and a trend has formed, these companies that have introduced production lines are basically large state-owned enterprises, and they are all coordinated and supported by governments at the provincial and municipal levels. But He Qiang has never heard of a private company importing a production line from Japan, and it is a very popular tape recorder production line, which makes He Qiang feel a little incredible.

"About our factory's introduction of Japanese production lines, you can call the SZ city government to verify. In addition, the SZ city government has approved 60 acres of industrial land for us. This is a kind of support for our company and a A kind of trust, we also have the confidence to give back to the society with more tax revenue and employment opportunities." Duan Yun said with a wave of hands.

"That's it..." He Qiang suddenly fell into thinking when he heard this, and after a while he raised his head and said to Duan Yun: "Wait a minute, I still need to check the situation of your factory with Shenzhen..."

Since the matter is of great importance, although He Qiang does not think Duan Yun is lying, he still needs to check the situation with Shenzhen.

Industrial and Commercial Bank of China has set up branches all over the country, and there is also a branch in Shenzhen, and the relationship with the local government is also very close, so He Qiang wants to inquire about the situation of Duan Yun's company, all he needs is a phone call.

"Then please go ahead, Manager He." Hearing this, Duan Yun indicated that He Qiang could make a phone call first.

"Wait a moment." After He Qiang finished speaking, he got up and left the reception room.

"Husband, if it doesn't work, forget it. Why do you have to get a loan from Daxing Industrial and Commercial Bank? Wasn't the Shenzhen Bank willing to give our factory a loan before? It's not like we can't afford it!" Seeing He Qiang just walked out of the reception room, Cheng Qingyan said impatiently.

Cheng Qingyan's voice was neither loud nor low, just enough for the people at the door to hear, but He Qiang who had already walked out of the door hesitated for a moment after hearing Cheng Qingyan's words, and stopped in his tracks.

"Our main electronics factory is located in Daxing. If you don't get a loan from the bank in Daxing, where can you get the loan from?" Duan Yun subconsciously glanced at the figure standing still at the door, and immediately said to his wife.

"Our current electronics factory and machinery factory are both in Shenzhen. I don't think it is necessary to set up our factory's account with the bank in Daxing. Besides, when I went to Shenzhen last time, the president of a bank was willing to ask Does our company have a loan of 2 million? Can't we just set up the company's account in their bank?" Cheng Qingyan continued.

"As a human being, we can't forget our roots, right? If ICBC hadn't been willing to lend us 1 million yuan last year, how could we have the money to open a branch factory in Shenzhen? If we withdraw our business account from ICBC, wouldn't that mean slapping Manager He in the face? Is it? Besides, Manager He is a good person, our electronics factory is also very profitable now, he should lend us the money..."

"You are stubborn and insist on holding on to a tree." Cheng Qingyan said with some complaints.

"That's all right, all right, don't worry about this matter, anyway, regardless of whether the loan is successful or not, our factory's account must stay with Daxing Industrial and Commercial Bank." When Duan Yun said this, he deliberately raised his voice.

At the same time, He Qiang, who was standing by the door of the reception room, heard the conversation between Duan Yun and his wife clearly. After thinking for a while, a smile appeared on his face, and he turned and returned to the reception room...

(End of this chapter)