After the divorce, I became a mountain god

Upon hearing Liu Juncai's words, Xu Bo'an didn't mince words but said directly, "I'm here at the bank today to approve some loans!"

Liu Juncai never expected Xu Bo'an to say such a thing. Wasn't he very wealthy now? Shouldn't he be at the bank to deposit money? How come he's taken out a loan? This was completely contrary to Liu Juncai's plan to have Xu Bo'an deposit money at their bank in order to achieve the bank's savings targets.

How could this be? Could it be that I misunderstood? Or was I too sleepy last night and my eyes were playing tricks on me when I was looking at the introduction of Kangtai Pharmaceutical Factory, and I misread the chairman's name?
However, I checked it last night and this morning, and there's no mistake! The chairman of Kangtai Pharmaceutical Factory is Xu Bo'an, and the photo on his resume is indeed Xu Bo'an himself! There's absolutely no way he could be wrong!
But Kangtai Pharmaceutical Factory's development momentum is clearly very bright. Could it be that its development momentum is too good and it wants to acquire other companies, so it needs to take out a loan?

Upon hearing Xu Bo'an's words, Liu Juncai's mind raced with various possibilities, but he couldn't figure it out no matter what he said.

Feeling quite puzzled, he simply asked Xu Bo'an directly, "Mr. Xu, what do you plan to do with the loan?"

Xu Bo'an had noticed Liu Juncai's momentary hesitation, but he didn't take it seriously. Of course, he had no idea what Liu Juncai was thinking at that moment.

Xu Bo'an replied truthfully, "Oh, I placed an order for a car yesterday and came to the bank today to complete the loan procedures!"

Upon hearing Xu Bo'an's words, Liu Juncai was instantly dumbfounded. It's no exaggeration to say that Xu Bo'an's words were like a bolt from the blue for Liu Juncai at this moment, leaving him somewhat unable to react!

Wait, what the heck? He's pinned all his hopes for attracting deposits on Xu Bo'an, isn't he? Isn't he the chairman of Kangtai Pharmaceutical Factory? How come he needs a loan to buy a car? That sounds a bit unbelievable.
In just a few months, Kangtian Pharmaceutical Factory has grown into a prominent player in Dongjiang City. Although it has not yet reached the top of the pyramid, it is not far from it.

As the chairman, Xu Bo'an doesn't need a loan to buy a luxury car worth tens of millions of yuan!
Moreover, Liu Juncai knew very well that small third- or fourth-tier cities like Dongjiang City were not qualified to sell such luxury cars. The most expensive cars sold in ordinary 4S stores were only around two million yuan, and there were very few models that could reach the two million yuan level.

The implication is that the car Xu Bo'an bought was at most priced at a little over two million.

Liu Juncai could easily come up with such a small amount of money, so why did Xu Bo'an of Kangtai Pharmaceutical Factory need to take out a loan?
What's going on? Does this mean that Kangtai Pharmaceutical Factory has started to decline so quickly? If so, then there's absolutely no hope for their deposit-gathering business.

For banks, not only is deposit-taking important, but so is lending. If a bank manager wants to get promoted, deposit-taking is like a "stepping stone," while lending is the "accelerator."

However, deposit business is the bottom line for a bank's survival. A bank must have enough deposits to obtain the corresponding loan quota. For a bank manager, deposits are the core performance indicator. If you have tens of billions of yuan in deposits, you are the bank's "god of wealth" and no one will stand in your way to promotion.

A bank's main income comes from interest rate spreads. High-interest loans with manageable risk generate real profits for the bank, serving as proof of the bank manager's operational capabilities. Being able to lend large sums to key local enterprises or public projects demonstrates the manager's strong coordination abilities and resource network in the local area; this combined strength is key to promotion to higher positions. Although both deposit and loan businesses seem important, if two wealthy individuals enter a bank simultaneously—one to deposit 100 million and the other to borrow 100 million—the manager will generally prioritize the depositor, as deposits are the most stable performance indicator.

High-quality loan customers are a long-term source of profit, but the premise is that there can be no bad debts. Once a large amount of non-performing loans occur, the bank manager's career is basically over, no matter how many deposits he has attracted before.

The bank where Liu Juncai works failed to meet even the most basic deposit-gathering targets this quarter, so its subsequent tasks will be affected.

Despair filled Liu Juncai's face. Xu Bo'an looked at Liu Juncai's lifeless expression and asked, "President Liu, what's wrong with you?"

Upon hearing Xu Bo'an's words, Liu Juncai immediately snapped out of his daze and forced a smile at Xu Bo'an, saying, "No...it's nothing."

Xu Bo'an recalled that when he was still working at Dongjiang No. 2 Construction Company, Liu Juncai had told him in advance that he would be given the project of repairing the company's buildings. Later, he resigned and forgot to say goodbye. When he saw Liu Juncai again, Xu Bo'an felt a little guilty towards him.

Hearing Liu Juncai's hesitant speech, Xu Bo'an guessed that he might have something on his mind, so he said to Liu Juncai, "President Liu, you seem to have something on your mind. If you have encountered any difficulties, just tell me, and I will do my best to help you solve them!"

When Liu Juncai heard Xu Bo'an's words, he almost laughed bitterly. He himself was already taking out a loan to buy a car worth less than two million yuan, and Xu Bo'an still had the nerve to tell him that he would help him solve his problems. Wasn't he exaggerating a bit too much?

Although Liu Juncai is not yet the official bank president, he is at least the acting bank president. People who can be promoted to this position are not ordinary people, whether in terms of family background or personal ability. You should know that it is not an easy task to do a good job in attracting deposits and making loans in a bank. It requires excellent social skills and the ability to adapt to changing circumstances.

Although Liu Juncai guessed Xu Bo'an's situation in his heart and knew that Xu Bo'an could not be relied on, he couldn't help but feel disappointed, but he did not show it on his face.

Looking at Xu Bo'an, who still had a smile on his face, he said, "It's nothing. If you need to do any business, I'll take you there. That will be faster!"

Although Liu Juncai was somewhat disappointed and not as enthusiastic as he had been when he first met Xu Bo'an, his attitude was not too cold.

Xu Bo'an could tell that Liu Juncai was definitely facing some difficulties, but since Liu Juncai wouldn't say, he didn't press him further and instead accompanied him to process the loan application. (End of Chapter)