Rebirth of financial migrant workers

Chapter 354 The last trump card

Projects approved by the chairman personally?

The committee members have been doing credit work for so many years, but they have never seen a president or chairman of the board sign a financing business review opinion letter.

How could we not be more vigilant after seeing the opinion letter signed by 'Ning Minghao' this time?
Copies of the opinion letter were quickly circulated among the seven committee members. Everyone admired the chairman's free and flowing cursive handwriting and gave it high praise.

Finally, Zhuge Yue handed the copy back to Wang Chunliang. She didn't say anything, but she vaguely guessed the purpose of the other party's move.

Wang Chunliang took the copy and raised it above his head as if it were Shang Fang's sword.

The three characters "Ning Minghao" were filled with the light of power, which made the committee members unable to open their eyes.

"I just introduced it to the leaders. The executives of Luoma Company are very optimistic about this project."

When this sentence fell on the ears of the committee members, it was directly translated into: Chairman Ning is very optimistic about this project.

"Last week, the financing plan of providing working capital loans and equity investment for Difan Technology was recognized by the company leaders at Luoma Company's investment decision-making meeting."

He paused for a few seconds, leaving everyone some time to think, and then continued to conclude:
"Well, this should be the 'investment-loan linkage' often mentioned in the financial media recently."

Wang Chunliang tried to imitate the tone of his prospective father-in-law:

Wang Chunliang's satisfactory answer obviously failed to satisfy Zhuge Yue. She asked directly without waiting for Lingling to speak:

The word 'investment-loan linkage' has appeared very frequently in various meetings hosted by Chairman Ning recently. It has been engraved into the depths of everyone's memory together with words such as 'empowerment' and 'hands-on'. My body is almost forming a conditioned reflex to this.

Difang Technology is a production-oriented enterprise, not a trading enterprise. The purpose of its financing is for research and development.

Lingling nodded silently and understood. This sentence meant that Chairman Ning also approved the 6 million loan application.

"There are currently several commercial banks that have established venture capital subsidiaries in various forms, covertly or openly. Everyone has reached a consensus that there should be close cooperation between banking financial institutions and their subsidiaries with investment functions. , through relevant institutional arrangements, use investment income to offset credit risks, thereby achieving the matching of credit risks and returns for scientific and technological innovation enterprises, and providing continuous financial support for scientific and technological innovation enterprises. "

Zhuge Yue winked at Lingling, who understood and suggested:
"President Xiao Wang, could you please briefly introduce Luoma Company's financing plan for Imperial Technology, so that our review committee can have a more comprehensive and detailed understanding of this project."

The committee members opposite sat up involuntarily after hearing this word.

Wang Chunliang's expression changed and he said extremely seriously:
"Mr. Zhuge, the consequences of your assumption are disastrous.

"Difang Technology originally wanted to apply for a working capital loan of 8.5 million yuan from our bank for the 1.8-generation display project, but the amount did not meet many rigid regulations set by the head office. Later, Luoma Company issued a loan of 2 million yuan. The financing package includes a 6 million yuan working capital loan from Mule Bank. Of the remaining equity investment, 1 million yuan is led by Luoma Company and 4 million yuan is followed by other investors.”

"What I want to ask is, if the 6 million working capital loan cannot be approved, how much impact will it have on Luoma Company's financing package? Can it be made up for through other channels, such as additional investment?"

Funds suddenly shrunk by 6 million, and R&D cannot purchase less goods like business. Not only will the financing plan be affected, but the entire project may be scrapped.

As for additional investment in Luoma Company from other channels, the investment limit is 100 million yuan, so we have to actively introduce other banks or investors.

However, one of the purposes of our implementation of investment-loan linkage is to firmly control customers in the hands of Mule Group. The introduction of other investors will inevitably conflict with this. However, if new investors are not introduced, the capital flow will be insufficient. "

Committee member Lingling discovered the flaw: "Wait a minute, according to what you said, other investors cannot be introduced, but in the financing plan you mentioned, other investors have already invested 4 million yuan."

Wang Chunliang smiled and said:

"The co-investor is also a client of our Mule Bank - Shuanghe Land. They have made it clear that they will only earn the 'price difference' with peace of mind and will never interfere with their customers' operations, nor will they shake our Mule Group's right to speak in Imperial Technology.

In addition, Shuanghe Land is just a real estate company. From the perspective of economic size and industry competition, they pose no threat to us.

By the way, when it comes to Shuanghe Real Estate, I have to remind all leaders that they still have more than 300 million project loans in our bank. If Shuanghe Land's investment fails this time due to the failure of Imperial Technology's current loan application, it is very likely that it will eventually affect the repayment of the project loan. "

Wang Chunliang's words made the committee members feel an extremely heavy burden on their shoulders.

In just ten minutes, what was originally an ordinary working capital loan of 6 million actually involved so many tidbits.

If you say 'no' now, it will not only be a rejection of a loan, but also a change in the strategic plan of the entire Mule Group.

At that time, how could Chairman Ning not vent his anger on the members who voted veto?

Everyone closed their mouths in a tacit understanding and turned their attention to the backbone, Vice President Zhang.

Vice President Zhang took a sip of tea and glanced at Wang Chunliang, feeling helpless.

If it was really Chairman Ning's instruction, he might not notify other committee members, but he would definitely say hello to me.

But I didn't receive any instructions at all, so it must be the brat in front of me who is pulling the flag again.

Vice President Zhang knocked on the table, looked around at the committee members, and said solemnly:

"Have you committee members forgotten your responsibilities? How should the approval be based on the loan application customers themselves, rather than various external factors? What's more, when has Chairman Ning interfered with the credit department's loan approval in so many years?"

With Vice President Zhang's words, Zhuge Yue felt that she was emboldened again. She pushed the printed document originally issued by the Bank Management Center towards the center of the 'trial table':

"Zhang Xing is right. We also need to consider regulatory opinions, such as the requirements in this document."

Sure enough, his cleverness was discovered by Vice President Zhang. He was obviously not prepared to turn a blind eye and let the matter go.

But fortunately, I still have one last trump card.

Wang Chunliang opened another PPT on the computer, pointed at the diagram above and said loudly:

"Every committee member must be able to guess that the source of funds used by Luoma Company for investment is actually the owner's equity of Mule Bank."

(End of this chapter)