Chapter 64

Ye Chen, Li Yanfang and Secretary Rong took the Lincoln business bus, while other staff members of the agricultural development bank took another business bus.

Today is to the scene of the office, so ye Chen called on the staff responsible for credit.

It has been said in advance: credit audit or audit, can loan on loan. Those who do not meet the credit standards can only be granted the loan with the guarantee provided by yechen.

Actually! That is to lend money to old students in disguise to support their entrepreneurship.

Audit is necessary. Only in this way can we have a clear idea.

And more! Determine the amount of "loan"!

If the other party has problems, the relationship between classmates should not be "loaned" too much.

The agricultural development bank is a private bank, which may be different from other banks in some systems.

Most banks are: only loans to the rich, famous enterprises, money making enterprises. If it's not personal? Once the enterprise is found to be out of order, it will be cut off immediately, without any human feelings.

If a credit officer or a leader has a personal relationship with the enterprise, that is to say, they can get benefits. If the enterprise is going bankrupt, they will continue to lend.

Can't take back the loan, the loss is the bank, drum is the private purse.

Agricultural Development Bank is different: every loan should be carefully reviewed.

It depends not only on the character of the enterprise, but also on the management ability of the enterprise's managers, whether the enterprise can get a share in the market, whether there is a market prospect, and so on.

If the enterprise meets these requirements, the agricultural development bank will be a group to the end, until the enterprise is alive and strong.

In a word! What the Agricultural Development Bank focuses on is support, not immediate interests, and it is not allowed to boost the private pockets of some power holders.

Because help innumerable entrepreneur start a business successfully, so! Agricultural Development Bank got the biggest return!

These enterprises supported by the Agricultural Development Bank are all major customers of the bank.

For example! Now Nanxiang group is an enterprise supported by the agricultural development bank.

Before Nanxiang group, other banks did not lend to them at all. In order to survive, they can only borrow high interest from Jinsheng Group in private. Jinsheng Group, on the other hand, made a normal loan from the Agricultural Development Bank, and then transferred it to Nanxiang group, the former Nanxiang machinery factory, with high interest

Is that reasonable?

What does that mean? It shows that there are still problems in the credit audit of agricultural development bank.

After ye Chen came to power, he enlarged the market research department.

The Market Research Department of Agricultural Development Bank not only reviews and investigates the enterprises and individuals applying for loans, but also actively investigates the situation and market prospects of other enterprises

The role of market research department is equivalent to that of investment consulting professional company.

Today! Ye Chen brought senior market research experts from the headquarters of the agricultural development bank.

Although he promised to lend money to his old classmates in disguise, he still had to help.

Can these enterprises founded by old students expand the market? Can it continue to exist?

Yes! We need to support it. No! We need to give advice, let it transform or something else.

Long Fei and other old classmates have been waiting at the gate of Xijing Hotel, looking forward to the arrival of Ye Chen, an old classmate of the God of wealth.

They not only reserved a room in the West View Hotel, but also a small conference room.

The information of applying for loan is ready, and! He also brought his own enterprise "think tank".

Where is the loan? This is an exam!

An enterprise that can get loans from the agricultural development bank is equal to having passed the examination of the Agricultural Development Bank, and your enterprise will have development prospects.

Once it is considered by the agricultural development bank to be the object of loan support, then! In terms of loan amount, it's not the amount you want. Instead! There is no upper limit!

That is to say! If you have passed the loan application of the Agricultural Development Bank, it means that your enterprise may have unlimited development space.

To apply for a loan from the Agricultural Development Bank, you have to consult the Credit Department of the agricultural development bank first. then! Either get the relevant information, or download the mobile app. It has everything in it. It's very clear. What materials and documents do you need to prepare

"Old classmate! Here you are! Ah! Ah!... "

Long Fei saw Ye Chen coming and said hello.

Results! See accompanied Ye Chen to have two women, immediately feel a little embarrassed.

What's more, to the surprise of Long Fei and others, ye Chen also brought more than a dozen staff members of the agricultural development bank.

Nimadi! This is more strict than the exam!

They only have seven students, while the Agricultural Development Bank has nearly 20 invigilators.

"This is my wife! Li Yanfang of Nanxiang group

"Hello! My name is long Fei

"This is secretary Rong!"

"Hello

"They are from the credit audit department of our agricultural development bank. I will not introduce them one by one! Let's go! Let's go in and talk! "

"All right! Please Long Fei makes a "please" sign to invite everyone to enter the hotel.Other old students did not come forward one by one to greet, the hotel door is not a place to greet, can not affect others.

More than a dozen experts from the credit audit department of the Agricultural Development Bank, carrying laptops and items needed for on-site office, followed Ye Chen and others into the hotel.

In the small conference room of the hotel, the think tanks brought by Long Fei and others are all lying on the conference table, looking at the laptop or paper data, making the final inspection, to see where there are inappropriate places.

If there is something inappropriate, it must be revised immediately.

Time is money!

After entering the small meeting room, we were no longer polite and immediately entered the audit stage.

After reading the application materials of Long Fei and others, experts from the agricultural development bank called Ye Chen aside.

They will hold an internal meeting and make a final decision after discussion.

Long Fei and others saw this and their heart beat faster on the spot.

I thought: whether we can succeed or not depends on today.

See ye Chen and others to one side to discuss in a low voice, Long Fei and others have a look at each other, there is no bottom in the heart.

Secretary Rong and Li Yanfang, just like no one else, sat on one side and whispered to each other. No time! There was also a giggle from the two.

"We have read all the application materials, and they all meet the loan support standards of our bank. But!... "

The chief judge shook his head and looked at yechen, but didn't go on.

"But what?" Ye Chen asked.

Just now, he had a rough look and found nothing unusual.

"Your old classmates, they? Are you kidding

"Are you kidding?"

"You old classmate Longfei! Did you see how much loan he applied for? "

"How much?" Ye Chen asked.

Thinking: how much more can he apply for?

He runs a gym. How much can he apply for?

"He wants to open a national chain store, and he's not willing to raise money, so he wants to continue to run it on his own. So! He applied for this amount, some of which I can't accept... "

"How much?"

"Five billion!"

"Five billion?" When ye Chen heard this, he was scared and silly on the spot.

This? This? Do you want to eat my yechen?

If I lose money, I will lose 5 billion!

Five billion dollars for a gym?

Really! Never heard of before!