Rebirth of financial migrant workers

Chapter 91 Speaking unromantic words at a romantic wedding photography base

Meile Wedding Photography is one of the best photography companies in Hedong City and even Shuanghe Province.

The company was founded in 2000. After years of hard work, Chairman Wan Ruidong finally built 'Meile' into a well-known brand in the country, enjoying a high reputation in the industry.

In his previous life, Wang Chunliang was deeply impressed by Meile's 2000 million loan from Mule Bank Sanlimiao Branch.

At the beginning, in addition to Mule Bank, Elephant Bank was also marketing this customer. The two banks had an agreement. Both banks adopted the same principle when lending to Meile, that is, ensuring that the other party's loan balance did not exceed the actual demand for funds of 3000 million.

Over the years, Mule Bank and Elephant Bank have cooperated tacitly on this matter and have never over-granted credit.

However, in June 2009, the account manager of Sanlimiao Branch of Mule Bank took advantage of the delay in credit reporting and abruptly completed an excess credit extension of 6 million + 3000 million.

Four months later, in October 2009, the account manager of Elephant Bank took the lead in discovering the long-term loan of Meile during the post-loan inspection. He acted quickly, froze the account and deducted the guarantee company's deposit, withdrawing 10 million yuan in advance.

Later, when the Sanlimiao branch reacted, it saw that the customer's real-time loan balance had dropped to 2000 million. After being persuaded by many leaders of the branch, it did not collect the loan in advance, missing the last opportunity to avoid loan losses.

In November 2009, Meile was in the news due to financial problems. At this time, it was impossible for the Sanlimiao Branch to recover the loan.

In December 2009, when the risk department of Mule Bank Hedong Branch determined responsibility for the loan, it let go of the original account manager and determined that the main responsibility was Sister Jun and others who had failed in their duties after the loan.

Not long after, there was news from one branch that Miller's sudden increase in loans was lent to other companies at high interest rates. However, it was quickly blocked by the branch and became a topic that could not be discussed.

At this moment, Wang Chunliang and Sister Jun were sitting in the chairman's office of Meile Wedding Photography.

The tender green Maofeng leaves were spinning up and down in the water, just like Wan Ruidong's mood now.

He was confused and a little uneasy about the sudden visit from the credit staff of Sanlimiao Branch.

He observed Wang Chunliang for a while without any trace, then asked with a smile:

"I wonder if the two leaders are visiting, but what new policies are coming to the bank? Then we need to take more care of our Mei Le, haha."

"Mr. Wan, has Melo been short of funds recently?" Sister Jun had a formulaic smile on her face, like a blooming peony.

Wan Ruidong felt nervous, but he looked confused:
"Ah, no. Why did Lijun say that?"

Sister Jun took out Miller's latest corporate credit report from her bag and handed it to Wan Ruidong:

"Mr. Wan, in addition to the 2000 million loan from our bank, Melo also borrowed 3000 million from Elephant Bank. The total loan amount suddenly increased by 2000 million than before. Where was the money used?"

Wan Ruidong took the credit report, pretended to check it carefully, and then patted his head, "Suddenly he realized":
"Oh, look at my memory. Isn't it like this? Aren't we building a photography base? It's the kind of high-end imitation location where you go to Turkey when you get married. And this fund, ah, can't be turned over temporarily? , we happened to have loan lines at Mule Bank and Elephant Bank, so we used them all. It’s my fault that I forgot to communicate with you in advance.”

Sister Jun frowned:
"Mr. Wan, whether Meile applies for a loan from our bank or Elephant Bank, it includes the loan application for the photography base, which means that the fund demand factor has been taken into account when calculating the amount. .”

"Lijun, wait a minute." Wan Ruidong opened the drawer of the boss's desk, pulled out two materials and handed them over, "We have added a second phase of the project. Here are the feasibility reports and plans. Take a look."

After reading the materials, Sister Jun handed them to Wang Chunliang. Wang Chunliang also looked at them pretendingly. The most painful thing for him was that he knew the truth and results of the matter, but had to wait patiently until the right time to point it out. Come on, I'm a little internally hurt from holding it back.

Seeing that Wang Chunliang remained silent, Sister Jun had no choice but to continue:
"Mr. Wan, how is the progress of this photography base now?" Wan Ruidong stood up directly and said enthusiastically:

"It's better to have a look than a thousand words. Come on, two leaders, I will take you to visit now."

'Boom, boom, boom' Mercedes-Benz GLS speeding on the road.

After about 40 minutes, the three of them arrived at the Meile Photography Base located on the North Second Ring Road.

Objectively speaking, both the facade and the interior decoration of the base look very high-end, fully meeting the requirements of the Sanlimiao Branch when granting credit to Meile.

Wan Ruidong led everyone into the gate and introduced the layout and construction progress of each scene in detail, with pride in his words:

"This is the self-selected wedding dress area. Our number of wedding dresses is definitely No. 1 in Hedong City."

"Leaders, look over there. The outdoor scene over there is used to simulate a lawn wedding. In fact, there is no problem in actually having a lawn wedding there."

"And here, this is the romantic Turkish-themed exterior scene I just mentioned. Through post-production, we can put the customer in Pamukkale surrounded by hot air balloons."

"Ah, by the way, I know Lijun isn't married yet. Mr. Wang looks young, so he shouldn't be married either? Come to my place to take wedding photos when you get married, and I'll give you a 5% discount. If it happens If you two get married, I will give you a % discount from my own pocket, hahaha."

Wan Ruidong's joking words made Sister Jun extremely sweet. She lowered her head shyly like a girl, then glanced at the indifferent Wang Chunliang with a charming look, and stretched out her right hand to pinch her hard. His ass.

Wang Chunliang, who had been waiting for the opportunity, rubbed his buttocks, jumped out like a powerful man, and asked:

"Mr. Wan, who is the contractor of Meile Photography Base?"

"Kyle Decoration Co., Ltd." Wan Ruidong blurted out.

Wang Chunliang: "They are both the first and second phase?"

Wan Ruidong: "Yes. The scene areas you saw in the first phase are almost completed, and now we are in the second phase."

"Mr. Wan, that's not right. Kyle Decoration Co., Ltd. just took over the fine decoration project of the third phase of Baihuayuan in August this year. Now all the manpower and funds are used there. How can we still have the energy to do the second phase for you?" Where’s the project?”

"Ah, ah, I'm really doing it, I'm really doing it."

"Mr. Wan, take a look, it seems that the second phase of the project has not started yet."

Wan Ruidong wiped his sweat and said hesitantly:

"They're coming in early next month, right away."

Wang Chunliang stared at the other person for a while, and then said words that made Wan Ruidong feel very unromantic:

"Then I'm surprised. The other party hasn't even entered the site yet, and you took out a loan of 2000 million and paid off the bulk of the second phase of the project? What kind of weird operation is this?"

(End of this chapter)