Roaming in the dark

Chapter 354 What does it mean?

"What do you mean?" Sheng Chuncheng asked.

"Nowadays, many companies are like this. The scale of assets has grown very large. The company looks very impressive, but in fact it is just bait. They are fishing for money from banks and other financial institutions. The money they take is not invested in the company, but goes to the company. Stocks, real estate, and usury.

"This company, let me take a look. It has loans from nine banks, not including credit unions, small loan companies, and leasing companies that have not entered the credit reporting system. I don't know if they have issued corporate bonds or anything. I don’t know if there is private lending, anyway, it is an abnormal enterprise.”

Sun Hong and Sheng Chuncheng said that Sheng Chuncheng didn't understand, and asked:
"Is it abnormal because there are too many banks for loans?"

"This is one aspect. For a good company, every bank is a treasure, and the focus is on training. If you need money, I will give it to you. The loan conditions are similar from bank to bank. Why do you have so many banks? Definitely It is casting a wide net, the shortage of money is severe, looking for loans from relationships everywhere, if the business owner deals with banks every day, will he still have the time and energy to manage the business well?

"Also, I checked. He has had loans from several banks for several years in a row, but the loan amount is the same, which means that they are all on-lending, and there is no new addition. Bank loans, if they are high-quality customers, are OK. Enlarged, you have a loan of 3000 million this year, and the business benefits are good. Our bank will expand it to 5000 million for you according to your needs.

"The scale of the enterprise is expanding, and the benefits have always been good. It will be reflected in your transaction flow, and the bank will continue to increase your loan. The same enterprise, we have increased from a few million to several hundred million now, and everyone grabs it like this If you can’t grab more companies, why do you go to so many banks?”

Sun Hong said, Sheng Chuncheng nodded, he understood a little bit, once Sun Hong analyzed the seemingly complicated things, he, a layman, also understood.

Sun Hong pulled out the company's report to have a look, and stopped reading half of it. She said: "This report can be fake, and I don't know how the Wenzhou branch's loan review meeting passed."

"Is there any fake report to the bank?" Sheng Chuncheng asked.

"It should be said that the statements that loan companies give to banks are basically fake and have no reference value at all. We are not fools. Well done, as long as you can pass the loan review meeting. There is no bank lending, it is based on the report, and for us, such a report is also beneficial.”

Sun Hong smiled and said to Sheng Chuncheng.

"There are benefits to being fake?" Sheng Chuncheng was puzzled.

"Of course, the statement is provided by the company. In the loan contract, there are clauses that guarantee the authenticity and reliability of the information provided. Now that we are a bank, we are all frightened. As long as there is any trouble and something is wrong with a certain company, I will do everything possible. Collect loans in advance, and start quickly before others do.

"When I collected the loan, the company came to me, even if it was to sue in court, saying that I violated the loan contract and collected the loan early. At that time, I will take out your report and say that you provided false information to defraud the loan. Who do you think will Win? You can be held criminally responsible for fraudulent loans, and if I can’t get the loan, I can use this to pressure you.”

"It's really insidious!" Sheng Chuncheng blurted out.

Sun Hong smiled and said, "No way, we were also forced out. Now we can't trust anything, and we don't have any tricks. How can I survive? You know, what is the most reliable guarantee for us to lend money?"

"Asset mortgage." Sheng Chuncheng said.

"Yeah, that's okay, but it's not reliable. Asset mortgages depend on appraisal reports, but appraisal companies are not reliable now. What should I do? Appraisal companies also compete with each other. You can't meet the requirements of enterprises. Enterprises I won’t ask you for an appraisal, but go to other people, and you won’t receive the appraisal fee. The current appraisal report does not magnify the value of the asset, and I haven’t seen it yet.

"This part of the assets, after going through the judicial process, there are not many who can actually recover [-]% of the losses. We have been doing loans for a long time, and we know that the most reliable is the owner of the company. So when we make loans, we must Dealing with the boss himself is not just one time, but also through other channels to understand his character, the boss is reliable, and the loan risk can be reduced.”

Sun Hong pointed to the screen, and said to Sheng Chuncheng: "If you don't know the depth of this kind of enterprise, let your friends forget it, don't touch it, maybe it's all thunder, especially in the current big economic environment. Down, it will explode at any time."

"Why?" Sheng Chuncheng asked.

"Why do you have so many?" Sun Hong said.

"I don't understand. My mind is full of reasons." Sheng Chuncheng said.

Sun Hong smiled: "It is said that Wenzhou people can make money, but in fact, the way Wenzhou people make money, at a very low level, is nothing more than various speculations, and they like to swarm. If I guessed correctly, they took loans It must be to speculate in real estate. In the past few years, when the housing price was rising every year, it was okay, and the money earned could still cover the cost of capital. It will be difficult in the past two years.

"House prices haven't risen much, and it's hard to sell. You have to repay the mortgage on the other end, and you have to bear the interest on the bank loan on the other end. There is no cost without a penny. It's okay for a short period of time. As long as it takes a long time, it will definitely not last." Stop, hang up, understand?"

Sheng Chuncheng said: "Understood, there is no reason."

Sheng Chuncheng was about to leave, Sun Hong asked, did he just leave?
Sheng Chuncheng said, "Then what else?"

Sun Hong smiled and said, "It's rare for you to come here, so why don't you sit down for a while and talk about love or something?"

Sheng Chuncheng laughed, and he said, "Didn't you say earlier that you don't welcome family members here? You are not afraid, your president will come in and see?"

"Don't be afraid, he has gone to the head office, and is going to visit the pier for his upcoming promotion." Sun Hong said.

Sheng Chuncheng's eyes lit up, and he shouted, "Your president is about to be promoted? So you're about to be promoted too?"

Sun Hong smiled, a little complacent, but she didn't want to look too arrogant, she said: "I hope, I hope that next time you come, you will not come to this office, but to the next door."

Sheng Chuncheng said: "That doesn't matter, let's congratulate you first."

"Okay, thank you, I'll treat you to dinner then." Sun Hong said.

Sheng Chuncheng came out of Sun Hong's office, looked to the side, and walked back. Sun Hong looked up at him and asked:
"Anything else?"

Sheng Chuncheng said: "I just saw it. Next door is the conference room. You want me to come next time and find you in the conference room?"

Sun Hong couldn't help laughing, and cursed: "Left, pig!"

Sheng Chuncheng backed out with an "ohhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhss"s, he looked at the office to the left of Sun Hong, the door was closed, and there was no sign on the door, so he realized that this was the office of their president.

Walking out of the bank gate and standing on the steps, Sheng Chuncheng sighed.

Now, in his heart, it is really like what he said to Sun Hong before, there is no question mark.He felt that all the scumbag's actions could be explained. What a rich second generation, it turned out to be just a fake. No wonder he had to plan so hard. What he dug for Xueer was not only a pit, but also a fire pit. It was really insidious.

Fortunately, Xue'er has said goodbye to him now, otherwise, I don't know how much he will suffer.

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(End of this chapter)