Chapter 390 How to Loan 4 Million () There’s actually not much to say about the meal. Everyone knows the real purpose of tonight's dinner, but it would be too blunt to discuss it. This is not a group assignment for college students, and the system emphasizes "subtlety." We just talked about the economic situation, how to keep healthy, and recalled the ups and downs of CUHK's development over the years. Chen Zhuo spoke very little and just concentrated on toasting. He should have been a nobody at this time, because even Lu Jieying was quietly listening to the four big guys bragging. It was not until Principal Xu accidentally revealed that the Zhongda Venture Capital Company under the school also provided Chen Zhuo with a low-interest loan of 1000 million yuan. "1000?" Zheng Wenlong's expression changed slightly, and he couldn't help but exchange glances with the director of the credit department. Even the school can support 1000 million. As a bank, it would be bad if we approve less.
Zheng Wenlong originally planned to choose “2 to 3”, but because of his good impression of Chen Zhuo, he chose the highest “3”. But now I hear that all schools have loaned "1", after weighing the pros and cons, the standard in my mind has been raised to "3 to 4". But it hasn’t broken “5” yet. It was not until Chen Zhuo took the opportunity to hand over the cash flow report of Suhui Technology for the past three months that Zheng Wenlong flipped through it and handed it to Lu Jieying, the director of the credit department. Lu Jieying is a senior person in charge of this area. After only flipping through a few pages, he could see that Suhui's financial structure was sound, its scale was constantly expanding, and it had a stable cash flow. Even this financial report is very professional. Unlike some companies that make a lot of money, but their accounting methods are very old-fashioned and they don’t keep up with the times at all. In the bank's credit department, such companies are considered high-quality A+ enterprises. "What are your plans after you go back?" After reading it, Lu Jieying raised his head and asked. Even though Chen Zhuo had toasted him with several glasses of wine just now, at this moment Director Lu looked like a teacher checking students' recitation of a text, with a meticulous and serious expression. Chen had many plans, but they were all too unbelievable for the bank. He also knew what Lu Jieying wanted to hear. Taking too big a step would increase the risk, and banks often did not dare to bet against it. Therefore, Chen replied calmly: "Based on the current foundation, we will steadily expand our market share and try to take up half of the national market share by the end of the year." This answer made Lu Jieying quite satisfied. Young people should not be too ambitious. If they can maintain the current profit margin and capture half of the national market share, their annual profit will be estimated to be tens of millions, which is enough to repay the loan interest. "Xiao Chen's plan is still feasible." Lu Jieying gave a bland conclusion. But don’t underestimate this conclusion. “Ordinary” just means that the risk is small. If Lu Jieying answered, "Mr. Chen has great ambitions. I believe that in three to five years at most, he may be able to break into the Fortune 500," Zheng Wenlong would not grant Chen too much quota even if it offended the school's leaders.
“Maybe we can break 5.” Zheng Wenlong picked up his glass and clinked it with Chen Zhuo who came over to toast him, and made this decision in his heart. After three rounds of wine and five dishes, Chen stood up and went out as if he was going to the toilet. All those at the table were "old experts" who had been in the world of Vanity Fair for many years, although everyone looked drunk. But as soon as Chen raised his butt, they knew it was time to pay the bill. "Chen Zhe is not very old, but he is very eye-catching. He even timed the payment just right. No wonder Lao Xu and Lao Shu are willing to help him." Zheng Wenlong, with a flushed face, fell backwards on the chair, gasping for alcohol, as if he had been drunk and had lost consciousness. In fact, he was observing Chen Zhe's behavior out of the corner of his eye. Chen Zhuo did pay the bill, but it was more than just paying the bill. After paying the bill, he quickly went to the parking lot, asked Ma Haijun to move the things in the trunk to the side of the Audi, and then knocked on the car window. The driver inside seemed to be on the phone. After rolling down the window, he stared at Chen Zhe and Ma Haijun with some impatience. The status of a leader's driver is proportional to the status of the leader. Although Zheng Wenlong cannot be said to be extremely powerful, his social status is not low. As his full-time driver, it is normal for him to be a little bit arrogant. But Chen Zhuo would not argue with a driver. He said politely, "I am Xiao Chen who is having dinner with the leader tonight. I have some things to move to the car." "Oh, that's how it is." The driver is used to this situation. Seeing the box in Chen's hand, he hung up the phone and said, "Wait a minute, I'll open the trunk." Chen was sharp-eyed. When the driver hung up the phone, he glanced at the phone screen and found that he was chatting with a person with the note "Dear". Chen guessed that this should not be his wife. Some drivers of leaders like to take advantage of the power of others and act humble in front of the leader, but they are very good at picking up girls and pretending to be cool outside. Chen Zhuo often encountered this situation when he was working at the grassroots level, but it was less common in provincial-level units. After the driver opened the trunk, Chen Zhuo first put the things in the trunk, and then carefully stuffed the two paintings in. The driver jokingly said, "Wow, the information is very accurate." Chen smiled but said nothing, but took out two packs of bulk Zhonghua cigarettes he had prepared earlier and handed them over. This driver was not like the one at school who was full of concerns. He just reached out and took it. However, after receiving the benefits, his attitude became much more polite, and he even helped to tidy up the trunk. "One copy each for Senior Brother Zheng and Director Lu, but the painting belongs to Senior Brother Zheng." Chen Zhuo reminded him, "We'll have to trouble you to help carry it downstairs to their house." "No problem! Your business is my business, bro!" The driver agreed readily, as if he was helping Chen a lot, but in fact these chores were what he was supposed to do.
How can a driver who has no eyes be qualified to drive for the leader? After Chen Zhuo moved the gifts, he returned to the box and found that the waiter was already cutting fruit and making strong tea to sober up, which meant that the dinner would soon be over. However, everyone had a tacit understanding and still did not discuss the loan amount. Chen Zhe was not panicked at all, as he had experienced this kind of thing himself. Once when he was helping someone coordinate work, Chen didn't talk about specific matters during the dinner. It was not until he was about to leave that he said to the person, "Come to my office tomorrow and we'll talk." I guess this is the same scenario today, which is in line with the "subtle" style within the system. As expected, they drank a few more pots of tea and felt that it was almost time. Zheng Wenlong looked at his watch and said to Lu Jieying, the director of the credit department: "Give the phone to Chen Zhe. Let's make an appointment to talk with my junior brother tomorrow." What Zheng Wenlong meant by this was that Chen Zhuo would meet with Lu Jieying to discuss the amount of the loan tomorrow. As soon as these words were spoken, the air in the box stagnated for about seconds. Sometimes it is like this, when everyone falls silent at the same time, it is only a blink of an eye, but everyone feels that this moment is so long. Finally, it was Chen Zhuo who took the initiative to speak and break the condensed atmosphere. He smiled and said, "Director Lu has given me his business card. I will contact Director Lu tomorrow to report on my work." "Oh! What's the point of reporting or not reporting?" Lu Jieying waved his hand and said, "Suhui is an Internet company with great potential. I also want to know its specific operating model." At this point, it was basically settled, but Shu Yuan was still a little worried. What if only 1000 million is approved in the end, wouldn’t this meal be in vain? Shu Yuan really values Chen Zhe, and feels that the brilliant achievements of Lingyuan over the past decade will eventually be carried forward in the hands of this student. So, President Shu deliberately said, "Chen Zhe, I won't be able to accompany you tomorrow. How big a step you take next depends on how much support President Zheng gives you." No one here is a fool. Zheng Wenlong knew it was a test as soon as he heard it. He thought for a moment and decided to reveal the truth. By the time of the school's centennial celebration in 2024, he would have been retired for several years. By then, he would be forgotten by the school. If he still wanted to be invited by the school, it might depend on whether Chen Zhe's generation would give him face. "Director Lu." Zheng Wenlong did not tell him directly, but instead brought up another matter. He said: "I remember a while ago there was a technology company that was about the same size as Suhui, but its financial situation was much more chaotic than Suhui's. It seemed that they had only borrowed 5000 million yuan." "……Yes." Lu Jieying agreed verbally, but was surprised in her heart. That company was able to borrow 5000 million yuan because the founder's uncle had many connections in the province. Does the leader want to benchmark? "I don't think there's much difference in tracing back, hahaha~" Zheng Wenlong picked up the tea, took a sip, and laughed, "Haha." He said nothing, but it seemed like he said everything.
"Forehead……" Lu Jieying pondered for a moment and realized that his opinion was not important and the leader's opinion was the final decision. Under the watchful eyes of three school leaders from CUHK, Lu Jieying seemed to be "ungrateful" and actually did not agree. He said awkwardly, "Tuihui is still different from that technology company. In theory, we can't get the same quota. But I'll learn more about the specific situation tomorrow." But when these words were spoken, everyone in the CUHK department actually breathed a sigh of relief. If Lu Jieying said, "In theory it is possible, but we have procedures...", we should be alert at this time. When you ask someone to do something for you in the workplace, if they say “In theory (in principle) you can…”, it may actually mean “No”. If you say "it's not possible in theory (principle)...", it actually means there is room for maneuver. Another one is "This is difficult to do...", which actually means [it can be done]. If you say "We'll try our best to do this...", the subtext is that "it can't be done". Look, this is the beautiful art of Chinese language. Xu Ning and Shu Yuan are already very satisfied with the 5000 million yuan they can get, and they don't feel that they are disrespected. But Chen felt that it was not enough, but he still had a big move left, so he followed them downstairs without saying a word. Some people may wonder, how can a company that has only been established for a few months and has no fixed assets apply for a loan from a bank? It’s actually very simple. Find a third-party company to assess the market value of the asset. How much money do you need to borrow? Then assess the corresponding mortgage value. Will the bank accept it? I will. Because the third-party company is the one that the bank introduces the customers to. When they arrived at the parking lot downstairs, everyone was shaking hands and saying goodbye. When it was Chen Zhuo's turn to shake hands with Zheng Wenlong and Lu Jieying, he lowered his voice slightly and said to the two of them: "Brother Zheng, Director Lu, I brought some local specialties from my hometown and put them in the trunk of your car." "Souvenir?" Zheng Wenlong and Lu Jieying were both a little surprised. What the hell was this local specialty? No one was a novice, it was just another euphemism for it. It is true that Chen Zhe is more mature than college students, but he actually quietly put the things into the car without giving any chance to refuse. This is simply the way of doing things of a smooth old man. Are today's young people so amazing? Not only that, Chen Zhuo also added: "Some bottles and jars are easy to break, so Senior Brother Zheng and Director Lu should be careful to [handle them with care]." After hearing this, Lu Jieying almost shouted "Oh my God!" This is clearly hinting to us that there is something fishy in the wine!
"Chen Zhe, there's no need to do this, just take the things back." Zheng Wenlong frowned. He still hoped to be simple. As a CUHK graduate, he just wanted to help his outstanding junior fellow student. Chen Zhuo doesn't think so. In the world of fame and fortune, the best way to cooperate is to bundle interests. "Senior Brother Zheng." Chen Zhuo did not agree, but said: "Before a friend left me two worthless pieces of paper, he left me two worthless pieces of paper before he went abroad." "But I don't have much artistic talent, so they just sat in a corner gathering dust. I almost threw them away like garbage several times." "I heard that you have some research on these things, and you must know how to keep these works. I beg you to help take care of them. I took the initiative to throw them into the trunk." Chen spoke very tactfully and did not even say that it was Gao Jianfu's work, but Zheng Wenlong was more than 90% sure that it was. Other people's works are meaningless, but this kind of work is a gift that touches the heart and the other party cannot refuse it at all. Zheng Wenlong simply stopped refusing those local specialties, and even after getting in the car, his mood was still fluctuating and surging. The Audi slowly left the parking lot of Li Garden and drove steadily on the inner ring road. Zheng Wenlong, sitting in the back seat, silently watched the hustle and bustle of traffic speeding on the road through the dark car window. Like stars swimming in the Milky Way. Lu Jieying, who was sitting in the passenger seat, looked at his leader through the rearview mirror, his mouth twitched as if he wanted to say something, but he finally held back. He knows his leader's hobbies very well. If it is really Gao Jianfu's work, the amount will probably change. As a subordinate promoted by my superior, it is my responsibility to share the leader's worries. How to find a way to increase the loan amount suddenly became Lu Jieying's biggest problem at the moment. Lu Jieying lived in a flat in the city, but Zheng Wenlong's home was a villa a little further away, so the Audi took Lu Jieying back first. After arriving downstairs, the driver didn't dare to show off in front of the two powerful leaders. He quickly opened the trunk and started doing the hard work. After seeing the truth about the so-called "local specialties", Lu Jieying gave a bitter smile, but do you dare to say that these are not "specialties" with unique Chinese flavor? When Lu Jieying returned home, he looked at the two boxes on the ground and remembered what Chen Zhuo had said, so he found a pair of scissors and gently opened the seal of the Moutai wine box. "Hey~" Lu Jieying picked up the brick, was silent for a moment, and then sighed softly. When people are in the arena, they can't help themselves. Zheng Wenlong's reaction was different from Lu Jieying's. He was not interested in local specialties. After closing the door, I couldn't wait to pull out the two pieces of paper. They were indeed the works of Master Gao Jianfu! The first painting is "Pine Eagle Hunting". The majestic bald eagle is majestic and majestic, with its steel claws tightly clasping the treetops, its eyes full of disdain for the world, and only a disdain for the sky. "Ink rain flying across the sky, heroic spirit overwhelming" is simply the perfect summary of this painting. Zheng Wenlong admired it for a full half hour before he suddenly remembered there was another one. He was now completely immersed in the heroic and majestic appearance of the bald eagle, so much so that he just casually picked up another painting at first.
Then, he was stunned at first. Then, as if he couldn't believe it, he put his eyes as close as possible and examined it bit by bit, frame by frame, and inch by inch. Finally, when he was sure it was an authentic work, his arms began to tremble uncontrollably. OMG! "Peony"! This is Gao Jianfu’s “Peony”! A painting like this that I wouldn't even dare to dream of owning! ······ (End of this chapter)