Cold chain for 20 years

Chapter 113 Logistics Bank
Qingyan Bank, which will be established for ten years, is one of the first city commercial banks established in my country. It has ten branches in the province and is headquartered in Qingyan City.

The reason why Hu Shutong kept in touch with Qingyan Bank through Lei Xiaoxi was that he aimed at a business launched by Qingyan Bank not long ago - "Logistics Finance Link".

In essence, this is the logistics banking business, the full name is "Logistics Bank Pledge Loan Business". Although it has just emerged, the prospect of this business, like the booming logistics industry, is widely optimistic.

Ma Mingyu is the president of the city bank, and his rank is the same as that of the ten branch presidents, not the president of the head office.It stands to reason that for a business such as logistics and finance, it would not be the turn of a president to discuss it in person. The reason why Ma Mingyu came forward in person was because this business was still under internal negotiation, and a sum of money had not been released yet.But he couldn't stand Director Lei's repeated inquiries, so he had to meet with Hu Shu as a last resort.

Ma Mingyu is in his 40s. Because he is a native of Mozi, he has heard of Hu Shutong, and he will always be mentioned on occasions during festivals.Seeing the material in the hands of the person in front of you, it does not look like a business, it seems thicker and more convincing. The hat of an academic person makes people feel that it is not bad.

"President Ma, this is the credit terms Tongxing can provide, please read it."

Ma Mingyu flipped through the materials, and gradually frowned as he looked at them, because in addition to business data and fixed assets, Hu Shutong also used current assets, such as raw materials for agricultural products, as collateral.

I have to say that this is very innovative, but it is difficult to define this type of asset, "Boss Hu, is the mortgage of this liquid asset too old?"

"President Ma, these raw materials of agricultural products are in a normal state of trade circulation. For enterprises, they are not only current assets, but also the largest assets in a healthy market environment. If only fixed assets are mortgaged, it is nothing more than factory buildings and Vehicles, simply assessing these, the development of logistics financial integration will be greatly limited."

"Oh? What do you think?"

"Different from purely physical industries, the real value of the logistics industry is on the road. Vehicles and factory buildings are only the points of the logistics system, and cannot really determine the qualifications of logistics companies. In fact, current assets are the greater value and greater value of logistics companies. asset."

In recent years, banking policies have been inclined to the logistics industry, but Hu Shutong's formulation is still a bit bold.But if you think about it carefully, what he said is not completely unreasonable.

For example, a small and medium-sized logistics company has a small scale of plant and equipment. It only needs to look at fixed assets, let alone the amount of loan, and even whether it can make a loan must be carefully considered.However, if this enterprise has a strong radiation function and a considerable business flow, it will run counter to the logistics banking business’s policy on the logistics industry without the support of logistics finance.

This also refers to the inherent disadvantages of small and medium-sized logistics enterprises. Without the addition of liquid assets, the problems of financing and guarantee difficulties caused by the lack of fixed asset support for small and medium-sized enterprises will never be solved.

So it is even more irrefutable, because this has never been a matter of the Tongxing family.

Flipping through the pages, Ma Mingyu saw something that made his eyes light up again, and he was immediately surprised, because it made him see something more profound about "logistics and finance" in front of him.

Although Hu Shutong's explanations seem to be unable to capture any systematicness at the moment, some of the words and related discussions are exactly in line with what is being discussed within the bank.

For example, the "intermediary" and "guarantee" he mentioned.

The intermediary is introduced by the logistics industry. It brings the logistics companies with financing needs to the bank. , pledged by logistics companies.

These two points coincide with the system construction of Qingyan Bank's logistics and financial links, but Hu Shutong has to be vague about these contents.

The capital flow of commercial banks and the logistics of logistics enterprises, the "double flow" has already established a general environment. The combination of logistics industry and financial services is not only related to the present, but also related to the long-term future. This road is very feasible.In the revitalization process of the logistics industry, the promotion of the logistics bank has its irreplaceable effect.

Ma Mingyu held Hu Shutong's material, and stopped talking for a while, and the scene was silent for a quarter of an hour.

Gradually, Hu Shutong was sweating. He was terrified of the quiet atmosphere. If Qingyan Bank could not lend money, Tongxing's problem would be magnified infinitely.In the final analysis, Hu Shutong didn't want Tongxing to slow down, even if he was restless and stressed, he still wanted to give everyone the confidence to move forward.

"Boss Hu, I agree with some of your materials. Let's go back and wait for my news. The bank still needs to discuss."

"President Ma, may I ask, how long will it take for this reply?"

Ma Mingyu smiled and said, "What? Is Boss Hu trying to check my time?"

"Don't dare, it's just that things are a little urgent, and it's a moment earlier."

"It's so urgent that we can't discuss it, right?"

"No, no, don't worry, Tongxing will wait no matter how long it takes."

Ma Mingyu spread his hands, "Let's do this first. I hope it can be faster, but Boss Hu must be very clear about the process. I can't say when these materials will be available for meeting."

Hu Shutong got up to thank him, and walked out of the bank without further words.

I got into the car and took out my mobile phone. What I saw was a series of missed calls. Hu Shutong didn't return the calls. He knew what these calls were trying to say, so why listen to them again.This place has to pay, and that place has to pay.

Hu Shutong closed his eyes and leaned in the car for a while. He turned a button, and the song "Original Scenery of Hometown" sounded around him, bringing him back to a pure time and space. He tried every means to calm himself down. .

I have survived the difficulties at the beginning, and the difficulties on the road are nothing. Besides, borrowing money and loans are already familiar words that I can no longer be familiar with.

Now that he has stood up, all that remains is to walk with him.

Thinking of this, people will be more determined!

……

(End of this chapter)