I met my whole family through Baidu Tieba.
Chapter 224: Loan
The outcome of this knockout stage was never in doubt. In the last two quarters, the School of Economics and Management pulled their core players off the court and gave the substitutes a chance to develop. Who knows, later in the season, some key players might be unavailable and these substitutes might be needed? It's always good to give them as much experience as possible.
Even so, the School of Education had no chance to catch up against the substitutes from the School of Economics and Management, and ultimately lost the knockout match by a large margin.
Shen Kang and He Qiuzhu left before the match was over, since they had come specifically to watch Shen Kang's match. Now that Shen Kang was resting and not playing anymore, there was no point in them continuing to watch.
As they left, Shen Kang was still dealing with He Qiuzhu with a headache: "That's a panda! How am I supposed to bring it to school for you? I bought you a panda doll..."
Fu Rong and the others watched from the sidelines, thoroughly amused.
The Shen Kang they encountered was either abstract, lazy, or unserious, but he always seemed to be in complete control and confident, as if nothing could stump him. Only in front of He Qiuzhu would he appear so embarrassed and troubled, which was quite amusing to watch.
After the group left the stadium, Fu Rong asked Shen Kang if he would continue to participate in the upcoming competitions.
"Isn't that obvious? I'm a starter on our School of Economics and Management basketball team, so of course I'll continue to participate in the upcoming games..."
Shen Kang made a lot of promises, but the next day he went back on his word. He called He Qiuzhu and told her that he had something to do that day and had to go to the High-tech Zone. He wouldn't be playing in the original elimination match. If He Qiuzhu was going to watch the match for him, then she didn't need to go to today's match.
"Oh, I understand," He Qiuzhu replied obediently.
After exchanging a few more words, He Qiuzhu hung up the phone.
She is currently in her dorm room.
Fu Rong stood in front of the dressing mirror, holding up a piece of clothing to herself, Xia Meng was reading a novel on her phone, and Du Nanxin was putting on makeup in front of the mirror on the table.
After what happened yesterday, if they go to watch Shen Kang's match today, they will likely encounter Shen Kang again, this time with a lot of stares on his face.
Among them, there are likely to be high-quality young men.
They hadn't thought of it yesterday, but now that they had, they naturally wanted to get themselves ready before going over.
"Shen Kang's phone call?"
Du Nanxin was struggling to stick a false eyelash onto her eye when she casually asked a question.
He Qiuzhu hummed in agreement. "He has something to do today and has to leave school. He said he won't be going to the competition." After saying that, she put down her phone, opened her laptop, and prepared to continue studying C++.
Fu Rong, who was standing in front of the mirror and holding up clothes to herself, paused. "So, Qiu Zhu, you're not going?"
Everyone in her dorm knew that He Qiuzhu had never shown any interest in basketball. She only went to watch the basketball game yesterday because of Shen Kang.
He Qiuzhu hummed in agreement again; the computer was already powered on.
"So all that washing my hair today was for nothing?" Fu Rong sighed, her hand holding the clothes drooping to her side.
She got up early this morning to wash her hair so she could go watch the game today!
Du Nanxin's hands, however, didn't stop adjusting her false eyelashes. "It's not a wasted effort. Even if Qiuzhu isn't going, we can still go. Xia Meng, are you still going?"
"Then I won't go either." Xia Meng said, looking down at her phone without looking up, thinking that it would be good if the two of you went, so that she and her sister could be alone in the dormitory.
"Okay, let's go together then." Fu Rong didn't want her hair to have been washed for nothing, so she agreed to go with Du Nanxin, and casually complained about Shen Kang, "Qiuzhu, your husband is always so busy..."
at the same time
Shen Kang drove away from Yangke University and headed towards the High-tech Zone.
He went to handle the Anjia Household Services loan matter today.
Several hours later, Shen Kang drove directly to the Bank of America Building, parked the car, and went to the 12th floor.
After getting out of the elevator, I walked a few steps and saw Anjia Housekeeping's new office location.
The new office space, which was booked during the National Day holiday, already had all the necessary hard furnishings, so the soft furnishings are now in place and it's officially in use.
Right at the entrance is a sign that reads "Anjia Housekeeping". Inside the double glass doors is the reception desk, where a young woman is sitting.
Seeing Shen Kang enter, the young girl looked up at him and said, "Hello."
"Hello there."
Shen Kang nodded to her.
Seeing that Shen Kang didn't say anything more, the young woman could only ask again, "Excuse me, are you here to conduct business or to see someone?"
She wondered to herself, since the other person was quite young, and given their company's business, it was unlikely that the other person was there to discuss business. They must be looking for someone. So whose child was this?
"Looking for him, he should be here soon."
As Shen Kang was speaking, he caught a glimpse of someone out of the corner of his eye. He turned his head and saw Kang Zhengyang hurrying towards them from the other end.
"He's here."
Shen Kang smiled.
Hearing this, the young girl turned her head and saw President Kang rushing over. She thought, "So he's here to see President Kang." So this handsome young man in front of her is President Kang's son? He doesn't seem that age-wise, since President Kang is quite young. He's probably President Kang's younger brother...
The young girl was gossiping in her mind when she saw Kang Zhengyang walk up to the handsome young man in front of her with a smile on his face: "President Shen."
"It's been a while, Lao Kang, you look even better." Shen Kang glanced at Kang Zhengyang, then patted Kang Zhengyang's upper arm. "Come on, let me see the company's new office space first."
"it is good."
As Kang Zhengyang spoke, he turned around and led Shen Kang on a tour of the new office space.
The little girl stood at the front desk, watching the two figures leave with great surprise, especially the handsome young man's back.
Before Anjia Housekeeping came here, there was no "front desk" position, so the young girl was new and had not participated in Anjia's National Day holiday dinner, so she did not know the big boss, Shen Kang.
However, the young woman had heard of the famous General Manager Shen Kang from her colleagues.
She had heard from her colleagues that this General Manager Shen was very young, but she didn't expect him to be this young...
Shen Kang followed Kang Zhengyang on a tour of the new office space.
According to their plan, this new office space divides the central public office area into several smaller office areas, where central staff such as customer service and inspection departments have all moved to work.
The environment is clean and the office facilities are all newly purchased. It looks good and has the feel of a well-organized organization.
In addition, there are some personal offices here.
Kang Zhengyang led Shen Kang directly to a "CEO's office," pushed it open, and showed it to him: "This is your office."
Shen Kang went in and took a look.
Before the renovation, Kang Zhengyang and he had discussed it online, and the office is now decorated according to their original plan. The overall style is simple, with white as the base color. There is a floor-to-ceiling glass curtain wall facing outwards, and the lighting is quite good.
"good."
Shen Kang walked in and sat down on the sofa in the corner. "There's no need to look at anything else. Let's get straight to the loan."
Kang Zhengyang nodded, closed the door behind him, and sat down in front of Shen Kang. "Our online banking was initially connected with China Construction Bank, and for this loan, we also approached them first..."
Shen Kang listened silently.
Anjia Household Services has been wanting a loan for quite some time now.
In fact, if he could, Shen Kang would have wanted to take out a loan when Anjia Household Services was first established, but obviously it was impossible—Anjia Household Services had nothing at the time.
Later, as Anjia Housekeeping gradually developed, they tried to take out loans several times, but without much success.
This is mainly due to Anjia Home Service's business model: Anjia Home Service operates on a light-asset model, with many employees but very few heavy assets. For traditional banks, finding suitable collateral is difficult.
Other companies that run real businesses can use their factories, production lines, purchased buildings, etc., as collateral for loans, but what about Anjia Housekeeping?
Anjia Home Services rents out all its service points and training facilities. All its staff are also employees. The only collateral it can offer is a few dozen electric scooters and some cleaning tools.
This asset-light model allows Anjia Housekeeping to operate very quickly, but it can be quite troublesome if they need to get a loan.
"...It's still a matter of collateral. The Construction Bank believes that our collateral is far from sufficient if we want to borrow 1.5 million..."
Kang Zhengyang quickly got to the heart of the matter regarding this loan.
Then, as they talked, they came to the reason why they had called Shen Kang over this time: "...Someone over there heard that you, boss, are a college student, and asked me to call you over so you could give it a try. By being a college student entrepreneur, you might be able to get a larger loan amount."
Shen Kang nodded silently.
Kang Zhengyang continued to explain the current situation to him: "We're about to expand to the next city. If we rely solely on our own resources, we can only manage one city at a time. But if we can secure loans, we can simultaneously develop several cities, greatly accelerating our development speed!..."
After chatting for a while and reviewing some of the documents Kang Zhengyang had brought over, Shen Kang had a clear understanding of the current situation.
Without wasting any time, they immediately had Kang Zhengyang contact the person in charge at the Construction Bank, and the two of them went to visit him.
When they arrived, the other party had a client there, so the two of them waited outside the loan department of the Construction Bank for a while.
A moment later, the door opened, and two people came out. They were clearly an employee and a customer. They were chatting happily, and it seemed that the deal had gone well, and they had most likely secured the loan.
The employee even escorted the customer a short distance away.
At this moment, Kang Zhengyang leaned over and whispered in Shen Kang's ear, "I know that boss, he's in the restaurant business..."
After listening for a while, Shen Kang realized that Kang Zhengyang had been doing quite well these past few months, interacting with significantly more people and reaching higher social strata.
According to Kang Zhengyang, the client who just came out had an even lighter asset structure than them, but it seemed that he had obtained a loan, which was likely due to his connections with the bank or that he had pulled some strings.
As he spoke, Kang Zhengyang's tone still carried a hint of indignation.
Shen Kang, however, didn't take it to heart and even comforted him, saying, "We can also pull strings, otherwise, is our newly established government department just going to passively receive government information? Take it slow..."
As the two were whispering to each other, the loan officer, having already seen off the previous customer, let them in as well.
Not long after, Shen Kang and Kang Zhengyang came out.
Shen Kang's face betrayed nothing, while Kang Zhengyang's expression was somewhat helpless.
Shen Kang's trip wasn't entirely fruitless, but it wasn't much different from it either—according to the credit department employee, Shen Kang, the boss, was a college graduate and could indeed enjoy some preferential national policies to obtain a loan.
Yes, the maximum loan amount is 10.
"One hundred thousand..."
After leaving the China Construction Bank, Kang Zhengyang spoke, and when he mentioned the figure, he laughed in exasperation, "What's the difference between this and not approving the loan at all?"
Shen Kang patted him on the shoulder with a cheerful smile, "Old Kang, you're doing much better now, you don't even care about 100,000 anymore. It's still 100,000, and it's interest-free, it's much better than nothing."
Then, changing the subject, he said, "However, it is indeed a bit too little. How about this, you should contact other banks more often, don't just focus on the traditional big banks like China Construction Bank and Industrial and Commercial Bank of China, go and visit those city banks and regional banks more. In terms of lending and flexibility, these banks are more flexible."
"OK."
"If there's really no other way, then let's stick to our original plan and start by expanding to one city at a time, taking it slowly..."
After dealing with the loan issue with Kang Zhengyang, Shen Kang drove back to Yang University of Science and Technology.
By the time we reached the North Lu district, it was nearly dusk.
As Shen Kang drove, he was also thinking about some things.
In fact, at this critical juncture when Anjia Home Service is about to expand to other cities, in order to obtain a large amount of funds, launch simultaneously in several cities, and thus move forward rapidly, Shen Kang has another trick in addition to bank loans.
However, that move was somewhat in a gray area.
If you can get a loan from the bank, try to get one first. If you really can't get a loan... then we'll see.
With that thought in mind, Shen Kang silently drove forward.
It was at this moment that he suddenly noticed a person on the roadside.
The car slowed down and eventually stopped next to the person.
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