Our Rise Era

Chapter 155 Is this person crazy again?

Chapter 155 Is this person crazy again?
2 month 14 day.

This financial tsunami that swept the world has had a very heavy impact on all walks of life in China.

This impact naturally also implicated China's four major banks...

From the second half of 08 to 09...

The immediate outbreak of this crisis caused the stock market to crash.

Countless people in China have realized that the stock market and the housing market are no longer the best investment products.

At the same time, other types of international financial products also collapsed one after another.

Because of China's independent system and early precautions, the core of China, apart from the stock market and financial market, was not hit the hardest.

But this financial crisis has made countless grassroots entrepreneurs realize an unprecedented sense of crisis...

This sense of crisis has caused China's entrepreneurial loans to collapse in the past year to the lowest point in history since the millennium.

In order to maintain the basic foundation of the entire banking system, the major banks in China...

Finally, from 08 to early 09, loan interest rates were continuously lowered.

However, this financial crisis has made big overseas capital dare not invest at all.

Although domestic big capital has not been hit hard, they have begun to be cautious about loans and investments.

In such a situation of internal and external troubles...

The loan interest rates of all major banks in China have dropped to historical lows!

However, the number of people taking out loans is decreasing, while the number of people making deposits is increasing!

....................................

"Hey?"

"Is that Mr. Deng?"

"Yes, we have a loan here. When will you pay it back?"

"Bankrupt? But..."

"Mr. Deng, we don't have to resort to legal means to resolve this... We can pay it back in installments!"

"Ah? You must be a deadbeat?"

"This……"

“This will affect credit!”

"what?"

"..."

"Hello, is this Mr. Li? We have sufficient funds here. Would you like to borrow money?"

"No more loans?"

"You can use it for other purposes. Our interest rate is now at an all-time low..."

"No more?"

"This……"

"..."

【Huaxia Bank】.

Ding Chenggong, the president of Pengcheng branch, was suffering from the financial crisis at this moment.

I even feel like I'm a little torn.

On the one hand, the financial crisis led to an alarming rate of bad debts in the market in 08. Many bankrupt bosses affected by the financial crisis would rather go bankrupt or become defaulters than repay their loans...

Even though they came up with many more relaxed repayment strategies and even lowered the base interest rate, the other party remained unmoved!
But on the other hand……

He needs to contact various healthy enterprises or healthy capital with good credit records that have been least affected by the financial crisis to provide loans, maintain the bank's operating system, and prevent its performance from being too bad.

Oh shit!

this era……

Those who are rich and have good credit are afraid of getting into trouble, so banks want to lend them money, but they just don’t want it.

Those who are short of money and have bad credit simply don't pay back the loans they take out. The bank's debt collection system is overwhelmed with debt collection. However, these people are so arrogant that they claim that they don't have money but they do have their lives!
however……

The deposit target is completely exceeded, but there are various loan targets and debt collection targets above it.

This sense of disconnection...

Ding Chenggong felt that he couldn't continue working in this line of work. If it weren't for the high salary of the bank president and if he had no other way out, he would have really resigned.

In fact...

Ding Chenggong is not the only one who feels this way.

Some time ago, when the leaders were drinking tea privately, Ding Chenggong met many people.

Then, he found that the leaders of the Huaxia Bank headquarters and even the four major banks in other countries were facing this divisive and embarrassing problem.

Those who want to take out loans are not given any, and those who want to repay their debts are not given any!
Sorry!

Just when Ding Chenggong was feeling bitter...

He suddenly received a call.

"Hey?"

"Hello, is this President Ding?"

"Yes, who are you?"

"I am Zhang Yang!"

"Hello, how can I help you?" When Ding Chenggong heard the other party introduce himself, he was a little confused for a moment and asked subconsciously.

"Have you watched the news broadcast? I now own half of the photovoltaic industry and appear on the news broadcast..."

"what?"

The other party's sudden words shocked Ding Chenggong so much that his head was buzzing...

It took a long time to recover.

Why is the other party so arrogant?

News Feeds?

Oh shit!

I've even been on CCTV. What kind of person is this...

and many more!

Photovoltaic industry?

and many more!

wrong!

He suddenly got a shock!
As if he had thought of something.

"Hello, you are Mr. Zhang, the one who attended the national conference some time ago and then gave key support to the company..."

"Yes!"

"Ah, hello, hello, Mr. Zhang..."

"Do you know me?"

"I know you, I know you!"

“I want to come here to take out a loan!”

"What? You want a loan?"

"Yes! And, we'll lend as much as we can!"

..........................................

"Brother Zhang, what are we going to do?"

“Loans and investments!”

"Brother Zhang, if we wait for another half a month, the project funds will come in gradually. Why should we take out a loan at this time?"

"Loan! At this time, we must do everything we can to get a loan..."

"..."

2 month 15 day.

Fatty Yuan, who was wearing a suit, followed Zhang Yang.

At this moment, his eyes were full of doubts. In the past, this shocking gamble, Brother Zhang won.

The boss even promised...

Subsidies will be given to Zhang Yang!
but……

do not know why!
Brother Zhang seems to be very busy recently.

On the one hand, let everyone prepare various subsidy materials, as well as share materials of various cooperating photovoltaic industries and enterprises.

On the other hand, they packaged these shares, mortgaged them, and finally took them to the bank, and then...

When I heard Zhang Yang say he wanted to borrow money from the bank...

Fatty Yuan was completely stunned!

It is obvious that if we wait another half a month, the special subsidy funds will be allocated one after another, and by then, everyone will no longer be short of money.

but……

Why does Brother Zhang look like he's in a hurry? Is he going to do something big?
[Huaxia Bank] at the entrance.

Fatty Yuan took a deep breath.

"Brother Zhang, should we go all in? Or what else should we bet on?"

"Yes!"

"Then let's..."

"The trend of the times is right before our eyes. If we don't gamble now, there will be no chance!"

"..."

At this moment, Fatty Yuan saw the president of Huaxia Bank walking out in a hurry. When he saw Zhang Yang, his eyes lit up instantly!
"Wow, Mr. Zhang!"

"President Ding!"

"Mr. Zhang, what brings you here?"

"Haha, President Ding, the wind for a loan blew me over here."

"Oh? Come in, come in!"

"..."

Fatty Yuan followed Zhang Yang and President Ding into [Huaxia Bank].

After entering, the two walked through the VIP channel and went directly to the second floor.

Second floor...

Gym, bathroom, sofa, free dessert, various services, everything is available.

A neatly dressed, tall bank attendant stood by, smiled at her, and even considerately hung his coat on her clothes.

Fatty Yuan looked at the scenes and felt dazed...

I vaguely remember that in 07, the two of them went to Hua Xia Bank in their hometown when they were trading stocks.

that time……

The service manager of Hua Xia Bank had a very stern face. When he looked at me, although he didn't look down on me like what was described in novels, his attitude was also very cold.

He always remembered that when he applied for a loan, they reviewed his collateral and materials for more than a week, and finally reduced the amount again and again to give him a loan of more than 100,000 yuan.

And only two years later...

I felt like a guest of honor at the bank and almost experienced what it felt like to be the center of attention.

"Mr. Zhang, Mr. Yuan, why are you here today..."

"Oh, President Ding, I want to ask, how much can I borrow for my current photovoltaic industry?"

"Ah? Mr. Zhang, you need money so urgently?"

"Yes!"

"Excuse me for being blunt, the photovoltaic industry has just been through a disaster and has not recovered yet. Our bank's rating for the photovoltaic industry is not high. It may seem like tens of billions or hundreds of billions, but in fact, the amount that can actually be loaned out is very limited..."

“Lend as much as you can!”

"Mr. Zhang, this...Okay, I'll go check the information first..."

"it is good!"

"Mr. Zhang, please have a cup of tea first. We have other services here. Mr. Zhang, if you are free, how about..." President Ding winked at Zhang Yang, then pointed to several tall service staff next to him with a smile on his face.

The smile looks extremely decent and sincere.

"No, I have something else to do..."

"what?"

"There's no rush..."

"..."

Zhang Yang shook his head, sent the information to the relevant personnel for review, then stood up with Fatty Yuan and walked downstairs without any reluctance.

"Well, I'll see you off... Mr. Zhang, I'll give you an answer tomorrow at the latest."

"Row!"

The president of Hua Xia Bank sent Zhang Yang and Fatty Yuan outside.

At one point, he even wanted to send Zhang Yang and the others back in a luxury car.

But Zhang Yang shook his head: "No, you go ahead and do your work."

"That……"

"It's okay, I have a car."

"Okay! Mr. Zhang, you don't need to come in person. Just give me a call and we can send someone to your company to review the information..."

"I like to walk."

"Okay, Mr. Zhang, please be careful on the road. If you have any problem, please call me."

"it is good!"

President Ding looked at Zhang Yang and shook his head, seeming particularly determined, and finally nodded.