The rise of a great power: starting with military industry

Chapter 655 Loan
After eating the noodles, I washed the bowl.

Liu Ziyu came to the living room and said, "Brother, I've made up my mind. Let's choose a loan!"

"Have you decided?" Liu Tao looked calm. "The loan has to be repaid. If you lose money, you may never be able to pay it back in your lifetime."

Liu Ziyu said firmly: "I have made the decision and I will never regret it. I believe we will succeed."

Liu Tao nodded.

"Okay, then you can go to the Kunming Branch of Hong Kong Bank to apply for a loan." Liu Tao said calmly.

Liu Ziyu asked curiously, "How much can I borrow?"

"You'll find out when you apply for a loan!" Liu Tao smiled and didn't tell Liu Ziyu.

The two large banks, Hong Kong Bank and Standard Chartered Bank (Hong Kong), have now spread across cities across the country and extended to prefecture-level cities. Every prefecture-level city has a branch of these two banks. Moreover, these two large banks also exist in Southeast Asia, South Asia, the Middle East, Africa, Japan, and South Korea, and have grown into large international banks.

The four banks, namely, Hong Kong Construction Bank, Hong Kong Commercial Bank, Hong Kong Development Bank and Hong Kong Everbright Bank, are located in provincial capitals and key cities in China.

These banks are very popular in the mainland due to their strong financial resources and high-quality services, and are developing very rapidly. In particular, private individuals and private enterprises often choose these six banks with Hong Kong backgrounds.

Because the staff of state-owned banks are all like bosses, they are condescending, their service attitude is disappointing, and they are not willing to lend money to private enterprises. Private enterprises often have to beg for loans from everyone, and may not necessarily be able to get them.

However, banks in Hong Kong are different. As long as the requirements are met, they will approve the loan amount.

Liu Ziyu chose the loan, and Liu Tao only needed to make a phone call.

"Brother, have you read our thesis? Can it meet the graduation requirements?" Liu Ziyu sat next to Liu Tao and asked curiously.

If we look at the current situation of doctoral dissertations in China, each of them would have published their papers in important journals long ago and would have met the graduation requirements long ago.

Whether they can meet the graduation requirements depends on whether Liu Tao nods.

Liu Tao nodded slightly and said, "The depth of the graduation thesis is sufficient and can meet the requirements for doctoral graduation."

In Liu Ziyu's class, each student has at least ten papers.

Some of these papers were published in domestic journals, and some were published in foreign journals.

Although Liu Tao gave some guidance, their level was already very high.

"Are you going back with me this time, or are you going back to the capital by yourself first?" Liu Tao asked.

Liu Ziyu thought for a moment and said, "I'll go back with you then, and I can save the money for a plane ticket."

They are on winter vacation, and there is only one week left until the Spring Festival.

There is no need to rush this week.

The next morning, Liu Ziyu and Chen Nianzhen came to the Kunming Branch of Hong Kong Bank.

"Ziyu, we have nothing. Can we really get a loan?" Chen Nianzhen held Liu Ziyu's hand and said nervously, "I heard that bank loans require assets, and only state-owned enterprises can get loans. It's difficult for individuals to get a loan."

"And what if I can't pay back the loan?" Chen Nianzhen's hands were shaking.

Her family is very ordinary, and in recent years she even needs to send money home to subsidize the family, so that life at home seems much more comfortable.

Although the two of them had discussed before and wanted to start their own business, Liu Ziyu was actually the main one.

But now that they came to her for a loan, she subconsciously felt that it was impossible to get a loan. Furthermore, when she thought about not being able to repay the loan, she felt like the sky was falling.

Liu Ziyu said: "Don't worry, we can do it."

"How do you know if you don't try?" Liu Ziyu said.

Liu Ziyu took Chen Nianzhen's hand and walked into the business hall of the Kunshi branch of Xiangjiang Bank. This branch of Xiangjiang Bank has a building here with 15 floors. It looks very impressive, and the business hall is very large. There are many ATM machines, but more people choose to handle it manually. Under the guidance of the staff, the two took numbers at the machine and then sat down to wait.

Soon, it was their turn.

Liu Ziyu took Chen Nianzhen's hand and walked towards the counter.

"Hello, ladies, what business do you want to handle?" a young female staff member asked politely.

Liu Ziyu said: "Hello, I want to apply for a loan."

"Is it a company loan or a personal loan?" the staff asked.

Liu Ziyu said embarrassedly: "We haven't registered the company yet, can we get a personal loan?"

"It depends on whether you meet the requirements. Please fill out these forms," ​​the staff member said, and then walked through the window with a few forms.

Liu Ziyu took a look and then filled in the information under the guidance of the staff.

The staff took the materials filled out by Liu Ziyu and entered them into the computer.

When the staff member clicked the review button, his eyes widened and he was completely dumbfounded.

She couldn't help but take a closer look at Liu Ziyu, then stood up with the form and Liu Ziyu's ID card, walked out of the office area, and said politely: "Hello, ladies, please follow me to the third floor to handle the loan business."

Liu Ziyu was a little confused, but he and Chen Nianzhen followed the staff and went up to the third floor.

The third floor is an important office area and only some customers can come here.

Customers here do not need to take a number or queue up.

The staff took Liu Ziyu and Chen Nianzhen to the branch president's office and knocked on the door.

"Come in!"

A man's voice came from the office.

The staff member opened the door and led Liu Ziyu and Chen Nianzhen into the office. "President Qian, these two ladies want to take out a loan. The system prompts them to be brought to your office."

Qian Weichao looked up at Liu Ziyu and Chen Nianzhen and smiled: "Sit down, please!"

At this time, Qian Weichao stood up from his office chair, straightened his clothes, and took the initiative to pour water for the two of them.

The staff were dumbfounded.

Although this bank president has just taken office, he is a bank president after all, and not everyone can get in touch with him.

As a result, the bank president actually poured water for two girls who were about the same age as her and looked like college students.

I’m afraid even some leaders in Kunming City don’t get such treatment!
Qian Weichao seemed very enthusiastic at this time. He received a phone call early in the morning, which shocked him, and then he arranged this matter immediately.

I didn't expect that the person involved would show up just one hour after I started working.

Qian Weichao felt very emotional. How could he not perform well when such a big shot called him?

He was one of the first group of people to study abroad at Hong Kong University, where he studied business administration. He received an offer from Hong Kong Bank before he graduated. As he worked hard, he was constantly promoted, and this year he was promoted to the president of Hong Kong Bank's Kunming Branch.

As the president of the Kunming Branch of Hong Kong Bank, his annual salary is much higher than before. This high salary in the mainland can allow his family to live a very good life.

But Qian Weichao is ambitious. He is still young, and he is not willing to just be the president of a branch. He also wants to be the president of a provincial branch, or even the head of the southwest region, or even the president of the Hong Kong Bank head office!

(End of this chapter)