Chapter 21 You make sense! Huang Jiaying is also a person who acts on his words. Although she couldn't help but look up at Cao Yukun in surprise from time to time while doing things, she was quite serious when it came to doing things. And rigorous and thoughtful. The materials Cao Yukun prepared were the most comprehensive he could think of, but there were still quite a few missing - for example, Cao Yukun knew before that if you were married, no matter what loan you applied for, you would need a marriage certificate and your spouse's ID card, but it was the first time he knew that if you were not married, you would need a certificate of unmarried status! Moreover, it is not enough to just prove that Shimen Beverage Factory is his company and what fixed assets it has. He actually needs to provide at least half a year's financial statements to prove that this is a living company. But with someone inside, things can still be done fast enough. It is easy to prove that you are unmarried. You just need to go back to the local police station to get a certificate. It is also weird. Cao Yukun was born in 1973 and is just years old this year. According to the law, he has not even reached the legal age for marriage, but he still has to prove that he is not married! The financial statements were even simpler. The financial statements for the entire year ending October 1991 that the Finance Department handed over were already on his desk on the day he bought the factory. He drove back directly and had already replenished all the missing items before midnight. Huang Jiaying gathered all the materials and was going upstairs before getting off work at noon. However, she was about to go out with the materials in her hand. She turned back and looked at Cao Yukun seriously and asked, "Are you sure you really want to apply for this loan? Will there be any problems?"
Cao Yukun laughed and said, "Go and do your work!" Ten minutes later, she went downstairs and opened the door of the small office. "Come, Director Zhou needs to see you." So Cao Yukun went upstairs with her. Director Zhou's office is on the third floor. When he pushed the door open, he saw a short, fat man who looked to be around fifty years old. He was quite polite and took the initiative to stand up and shake hands. "Hello, Boss Cao! I just heard yesterday that the Shimen Beverage Factory was sold and a young man bought it. I didn't expect to see him today. He is really young and promising!" It was expected that the news would spread to the top first, but Cao Yukun did not expect that the news would spread so quickly. He smiled and said, "I can't help it. You should have heard something about the factory. The operation is stable and there is no debt, but it just doesn't make any money. This won't work! Since I bought it, I must find a way to change this situation. Otherwise, why did I buy it?" Director Zhou's eyes lit up when he heard this. He looked at Cao Yukun carefully, smiled, and nodded repeatedly, as if to agree, "Yes! Yes! It turns out that to run a business, we need young and promising people like you who have courage!" Huang Jiaying let Cao Yukun sit down and obediently brought a thermos and poured Cao Yukun a glass of water. At this time, Director Zhou returned to his desk, took all the information, came over, sat next to Cao Yukun, and said, "The information is complete, there is no problem, but... you should have heard that a loan of millions like yours must be submitted to a meeting, and our branch does not have the final say, it must be discussed at the county branch." After a pause, he continued, "Your... information is fine. I took a quick look at your bank statements and I don't think there will be any major problems. The loan will definitely be approved. It's just that... Xiaoying said that you are good friends with her, right? She should have told you that generally, loans over one million are not easy to approve." "Oh, that's how it is!" "In addition, we have never cooperated with Shimen Beverage Factory or your boss Cao before. This is the first time, so... my suggestion is that you should borrow a smaller amount for the first batch of loans?" "How much do you suggest?" "Half! There is definitely no problem with your collateral, but you know, banks have their own risk control system. If you loan such a large amount right away, it will be risky to get it approved. Six hundred thousand, I think it's a good amount. We can make a stronger suggestion here. There is no need to go to the county branch for a meeting. I'll report to the president and get his signature, and it'll be done! What do you think?" understood…… "But, the fixed assets of my factory alone can be valued at at least five or six million, and I have never taken out a loan before. Now I just want to borrow million. It's not... high, right?" "Not high, definitely not high! But you also said that you have no record of loans before! And, haha, forgive me for being frank, your fixed assets are mainly factories and machines. How should these things be valued? If we send someone to do a valuation, maybe they can give you an estimate of two million?" Oh oh oh, now Cao Yukun completely understood! The poor management of the Shimen Beverage Factory was no longer news, and people in the county knew that the Song father and son had long intended to sell it. Their previous contacts with Coca-Cola and Pepsi were by no means a secret. Many people knew that one company offered 2 million and the other million - anyway, the county government's small fleet said it with details. Well, if you just think about it, you will know that if you can snatch this factory from Coca-Cola, the bid will most likely be a little higher than Coca-Cola, but probably not much higher! When it comes to the beverage industry, it is obvious that Coca-Cola is an internationally renowned company, and the valuation they give to that series of fixed assets must be relatively reasonable - although there is definitely price pressure, the price that the buyer is willing to pay is the true value, isn't it? "That's it!" Cao Yukun made an expression of understanding and was about to speak when he suddenly noticed that Huang Jiaying, who was standing behind Director Zhou's sofa, was winking at him. When he looked up, he saw Huang Jiaying making a gesture of eating rice with her hands. Perhaps she was afraid that Cao Yukun would not understand, so she made a gesture of tearing a chicken leg into pieces.
Quite cute. After a brief pause, Cao Yukun suddenly smiled and said, "You are right!" After thinking for a while, he said to Director Zhou seriously, "How about this? You can't even say a few words. It's almost time for lunch. I'll treat you to a simple meal, and we can... talk while we eat? Can you give me some advice?" "Oh, that's not necessary! I'm speaking purely from a business perspective!" "Yes, yes, it's business! But I will need your help in the future! Let's have a meal and chat! I have a lot of questions that I really want to find someone who knows how to help me. I've heard Sister Jiaying say that Director Zhou is a very knowledgeable person and knows a lot, but I... I'm young and shy, so I don't have the nerve to disturb your work! Now, for the sake of work, you must give me this face!" “Hahaha, then…oh, okay, then…Xiaoying, come along too!” (End of this chapter)
