The richest man starts with a blind box

Chapter 467 Loan Crisis
"What's the matter?" Looking at the sweaty President Wang, Huang He smiled and said, "Old Wang, you are already the governor of the provincial bank, why are you still so frizzy? What's the matter!"

"The higher-ups have changed their leaders and felt that there was something wrong with the 10 billion US dollars last year, and asked me to find a way to get it back!" President Wang said with a wry smile.

"Collecting money? There's no reason for that!" Huang He frowned. "We signed the contract. The 10 billion US dollars will be paid off in five years, and 2.5 million US dollars will be repaid every year. So in October this year, we should repay 10 million US dollars. It’s enough to give you US dollars, why should you withdraw the loan in advance at this time, even if you are ICBC, there is no reason to do things like this!”

"But, most of your 10 billion US dollars has been used to invest in other companies, right!" President Wang asked.

"..." Huang He didn't speak, because Huang He knew very well that the loan of 10 billion US dollars was a commercial loan, not an M&A loan.

So this $10 billion loan cannot be used to acquire companies or invest in stocks.

However, Huang He’s 10 billion US dollars was used to acquire Marvel, Netflix, Android, etc., as well as Blizzard and other companies. Only a small part was used to purchase equipment, so Huang He has already breached the contract.

Then, according to the terms signed between Huang He and the bank, the bank does have the money to recover the US$10 billion loan in advance.But the problem is that although the regulations on bank loans in China are very strict, they are basically in a mess, and the money can be used in various places, and the banks basically don't really manage these.

Because if the use of loans is strictly restricted, at least 80% of the loans will not be approved, and if the 80% of the loans cannot be loaned out, it will be impossible for the bank to complete the task for this year. bank itself.

So the bank has always turned a blind eye to this situation. As long as you repay the loan on time every year, then there will be no problems.

Some banks even take the initiative to help lenders cover up these problems. After all, if these problems are exposed, the banks themselves will be blamed first.Secondly, if you force the company to repay the loan in advance, the company will definitely not be able to repay the loan, and the company will only be forced to die at that time.

Once the company goes bankrupt, the money will naturally become a bad debt, and it will never be recovered.

Therefore, although the bank has various terms and conditions, it has never really cared about and managed them. President Wang and Huang He are well aware of this, but now they have made a fuss.

"President Wang, when we were negotiating, I made it clear to you that I would use the money to invest in some companies. You also agreed at the time. Now you ask me to take out 10 billion US dollars. Where will I go?" Get you money?" Huang He said angrily.

"Yes, yes, my boss Huang, but I don't know that things will turn out like this now. The superiors force me to come to you three times a day, so I have to come here!" President Wang said helplessly, "Also, in fact, I It doesn't matter whether you ask for money or not, if I can really decide this matter, at worst, I, the president, will quit, and I will never cheat you."

"But the problem is, I'm here today just to inform you about this matter. BJ has sent an investigation team over to ask for detailed inquiries about the ins and outs of this fund. Once it is found out that this fund is used to invest in other companies, The head office will immediately ask you to repay the $10 billion loan.”

"Otherwise, they will sue you in court, and then they will auction off your company's assets to pay off the debt!"

"So urgent..." Huang He's expression changed slightly, and then he asked, "Did I offend someone? Are you using this method to torment me?"

"I don't know, but it's probably like this. I've been in this industry for so long, and I haven't seen such a thing. This is really driving people to death! If it doesn't offend people, who would do this kind of thing?" Things." President Wang said with a wry smile.

"Then do you know who is torturing me?" Huang He asked back.

"I really don't know about it. I got the news this morning and I will inform you in the afternoon. I am also at a loss now." President Wang sighed and said, "Actually, I can't get it right this time, regardless of the 10 billion Whether the dollar can be recovered or not, I have not checked it well, I have made a major mistake, and I am afraid that I will be arranged to retire in a few months."

"If it weren't for your Jiangnan Group being the favorite of everyone in the whole country, I would suspect that the target this time is me, not you. What happened this time is too weird!"

"Then I can only trouble you to help me figure out the situation. You should have someone on top. Even if you don't know who is behind this scene, you should at least help me figure out who gave the order at the head office. Come to thoroughly investigate this loan!" Huang He said.

"Okay, I have to ask if you don't say it, it's so fucking aggrieved!" President Wang cursed, hesitated for a while, and then repeated the original question and said, "Old Huang, give me an accurate answer , can you get back the 10 billion dollars?"

"You think I'm a cornucopia. This is 10 billion US dollars, and basically it's all spent. What did I sell servers in the United States for the past few months? Isn't it just to make up the 2.5 million US dollars? Down payment loan?"

"Originally, I have already made up almost all of it. I can transfer all 10 million US dollars to the account before October. Hello everyone, I am happy to celebrate the New Year together."

"But now it's all right, you can celebrate the new year happily, I'm afraid you'll just find a rope and hang yourself directly!" Huang He said angrily.

"Forget it, I won't leave my friend alone. If you hang yourself with a rope, I'll accompany you and let's be bacon together!" President Wang sighed, and then staggered away, leaving behind a A yellow crane with a gloomy face.

"Hu Jing, do we have relevant information?" A few minutes later, Hu Jing walked over silently, and then Huang He asked.

"No, we didn't collect intelligence on ICBC's senior management before, so this matter was indeed very sudden, and we only found out about it just now." Hu Jing said, "But this matter must have happened today, because even if it is We should have received information about what happened yesterday.”

"It seems that Lao Wang didn't lie to me. He was indeed attacked by surprise!" Huang He knocked on the table, then looked at Hu Jing with a calm face, and suddenly smiled and said, "Don't you worry? What if we If the company can't repay the loan, then maybe half of the Jiangnan Group will have to pay for it!"

"Boss, you now have 87.62 billion U.S. dollars in your Swiss bank account. If you need it, I will give you 10 billion U.S. dollars to the company's account right now!" Hu Jing said lightly.

"Come on, forget, you are my housekeeper now, and all my private accounts are closed in your hands, which is boring!" Huang He said with a lazy smile.

The 87.62 billion US dollars was naturally earned by shorting Yahoo. Originally, according to Huang He's plan, the money was to wait until the US oil stocks fell to the lowest point, and then make a strong move to make a fortune in oil. So this money is lying quietly in the Swiss bank account, waiting for the situation to fully ferment.

I didn't expect that this money would need to be used in advance.

"There is no need to transfer money, the money stays there!" Huang He sighed and said, "The 87 billion US dollars is not the company's money, but my personal wealth. Our company still only has a pitiful 2.5 million US dollars, do you understand?"

"Yes!" Hu Jing nodded, she didn't care if the company had money, anyway, her salary wouldn't be lost.

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"President Wang, do you think Jiangnan Group can pay back the money?" On the second day, on an Audi, a fat man in a suit and leather shoes with a smile on his face sat beside the thin President Wang and asked.

This person is the investigation team leader sent by the head office, named He Chao, who is in charge of investigating the $10 billion loan.They are now on their way to the Jiangnan Group headquarters.

"I'm afraid it won't work in a short period of time. Huang He already explained to me yesterday that they only got the first installment of 2.5 million U.S. dollars, and it is impossible for them to repay 10 billion U.S. dollars now!" said Xingchang Wang.

"Hey, this is really a misfortune for the country. I said long ago that money cannot be lent to such a greedy capitalist. It must be gone forever!" He Zhao said with a sad and indisputable expression on his face, "And You can say that it’s okay to use the money for domestic investment, but it’s our own people who have digested it, and it’s considered to be the development of China’s economy.”

"But he's lucky. He invested all his money in foreign companies and helped foreign countries develop their economies. Don't you think he's a traitor who eats inside and out?" Good guy, Huang He didn't even see him, and the situation hasn't been investigated clearly. The traitor's hat was put directly on Huang He's head.

President Wang did not speak, and did not defend Huang He, because his own position is also very embarrassing now. Whatever he says, he may be regarded as Huang He's accomplice, so he can only shut up and finish it honestly. tasks assigned above.

Soon, the vehicle arrived at the headquarters of the Jiangnan Group, but the gate of the headquarters was still closed, and then an old security guard walked out slowly, holding a pen and paper to President Wang for registration.

"It's me, I'm President Wang, you let me in yesterday, you forgot!" President Wang rolled his eyes and said.

"I don't know any president. I'm just the security guard at the gate. They asked me to register every vehicle that doesn't have a company pass. I have to do my job honestly. Register here!" The little old man said domineeringly, President Wang had no choice but to register his own name.

Then he was about to leave, but the old man handed the registration book to He Chaodao in the car, "Please register."

"Isn't it already registered?" He Chao frowned and said, he was already very unhappy.

"Everyone has to register. Now YQ is not completely closed. All people who enter must be based on detailed information. This is also a regulation issued by the government. If you do not register, you will not enter."

"By the way, there are three cars behind, and everyone below must also register, even if there is one less!"

(End of this chapter)