Life Returned To 2012

"Weizi, there is something to discuss with you";

Ma Yibo called Liu Wei to the side and found a place where no one was.

"If you have something to say, let it go quickly, you look like this, it must be no good thing";

Liu Wei also deeply believes in Ma Yibo's routine, in

just over a month, Ma Yibo's expression has tricked him many times, so he is not fooled.

"Weizi, it's not authentic";

"Who is with whom?"

"If you don't come, you will know how to fool honest people";

The two of you come and go, for more than a month, the relationship between Ma Yibo and Liu Wei is better and more harmonious than when they were in school.

"This time it's really serious, it's like this, I have a new project that I want to do, but I don't have the funds";

"The bank loan you mentioned just now reminded me, I want to use our Aunt Qin to take out a loan in the bank";

"Of course, don't worry, the main body of the loan is Aunt Qin, but if I take out a personal loan, even if there is a problem later, the bank will only look for me, and it will not affect Aunt Qin";

"And for business loans, the bank interest is also very low, I just

want to discuss with you, do you see if it will work?" This kind of thing, if it is a last resort, Ma Yibo really does not want

to do this; although it is true that as Ma Yibo said, it can indeed have nothing to do with other shareholders;

however, no one will think it is a good thing to bring a loan to his own enterprise, especially since this loan is not used for the development of Aunt Qin.

Liu Wei was also silent at this time, not thinking about why he didn't take him with him, whether he wanted to leave him to make a fortune alone

; but thinking about whether Aunt Qin could resist this wave of blows if Ma Yibo took out a loan and invested it out and failed;

Don't look at Aunt Qin who is thriving now, but they are all bought and sold without capital, and they use the money recharged by members;

once there is a problem in the capital chain, if there is no money for purchases, it will be called a tragedy.

Aunt Qin can be said to be everything Liu Wei is currently having, although his shares in it are not much, only 26%, but this is already all his income in the past few years

; however, if he does not agree with Ma Yibo's request, will it affect Ma Yibo's next planning;

But what Ma Yibo wants to do, what kind of layout he has, Liu Wei doesn't know, and he doesn't dare to ask

, because he is worried that the other party's layout or ambition is too big to afford it, so it is better to do a good job every day now, as long as there is money to make it.

Why Liu Wei can be sure that Ma Yibo did not cheat him, is because the previous stock speculation not only took him, but also distributed profits to him according to the share after leverage;

at the same time, during this period of getting along, although I feel that Ma Yibo thinks about the problem for a long time

, but for people's feelings, or only for him, it is still the same as before.

"Yibo, although I don't know what you want money for, but since you said it, I also believe that you won't cheat me, besides, I don't have anything worth pitting, even Aunt Qin's 26% shares, to be honest, you gave it to me";

"If you want to take out a loan, you can take out a loan, but if you invest out, you must think about Aunt Qin's current situation and leave room for Aunt Qin";

"Don't say that it won't affect me if you lose it, even if you lose Aunt Qin, you originally beat it down, it's a big deal that we start all

over again"; Liu Wei's words were very sincere, without a trace of artificiality.

"Good brother, don't worry, I'll be ready for everything";

"What I just said may be lost, but it's just the worst plan, and the probability of success is still very high."

Ma Yibo was also moved by Liu Wei's words, for a lifetime, one or two bosom friends are enough!

"Manager Zhao, hello, I would like to consult about the business loan or the flow loan";

After discussing with Liu Wei, Ma Yibo asked Wang Lifen to print out all the running water of Aunt Qin this month.

"It's Boss Ma, I know you";

Manager Zhao of the Agricultural Bank of China looked at Ma Yibo and recognized the other party at once.

Looking at Ma Yibo's puzzled eyes, Manager Zhao continued with a smile: "Aunt Qin's Boss Ma, on our side of Yike City, is definitely a well-known";

It is not only Aunt Qin's background, but also Aunt Qin's business, which is definitely one of the best at the south gate of Yike City.

"Haha, everyone is here to eat";

Everyone loves to listen to good words, and Ma Yibo is no exception, especially when this sounds like the truth.

Since there is an Agricultural Bank of China business hall here in Yike City, and Aunt Qin's official account is also handled in this branch, Ma Yibo's

first bank for loans chose the Agricultural Bank here.

Manager Zhao chatted with Ma Yibo, while watching Ma Yibo hand it over, about Aunt Qin's turnover information and Aunt Qin's account balance

, all of which surprised Manager Zhao; I still remember that on the first day of Aunt Qin's opening, there was a lion dance and a long queue, and this Manager Zhao also knew

, but he just felt that the shops that sold vegetables were all bits and pieces of money, and he didn't think how much money he could make, and he didn't think how much money he could make, and he didn't think there would be much running water

But now that she sees this list, she is surprised

; Aunt Qin, opened in September, until today, less than a month, the total amount of income is more than 600,000 yuan close to 700,000, the total amount of expenditure is more than 300,000 yuan, and the account balance is 340,000

yuan; calculated, there are 10,000 yuan in the account every day, although Manager Zhao also knows that most of it

is the money of the members; but, even if it is the money of the members, it is also in the account of Aunt Qian, and Aunt Qian has absolute control.

"Mr. Ma, I have seen this flow, although it is not three months, but from the month when our store opened, it can also be seen that our business is very good, and both business loans and flow loans are available";

"The interest rate of the operating loan is lower, and the loan speed is faster";

"The amount of the current loan is larger, but the approval is relatively slow, the requirements are relatively high, and the interest rate is relatively higher";

"These two ways mainly look at the flow of water and personal credit."

Manager Zhao also wants to reach a cooperation with Aunt Qin, such a high-quality enterprise

, in the weak childhood to cooperate with it first; after the development and growth, once there is a need for funds, their bank will definitely be the first choice, and her performance will also be improved accordingly;

you know, Aunt Qin this month, with their bank's public account to collect money, to give their bank every day to have tens of thousands of reserved funds in, proper capital account.

"Manager Zhao, in our case, what kind of loan do you think is suitable, how much can the amount of money be reached, and how much interest can be paid?"

Ma Yibo has never understood all kinds of bank

loans; especially for different loans, the target groups of customers are different, and it is the most direct and effective way to directly ask the bank personnel to recommend the types of loans that meet their own;

of course, this is also to meet the kind of salesman who is more responsible

; Otherwise, if you don't recommend a good one, only recommend it that is helpful to his performance, then you want to cry without tears;

the most important thing is to look at yourself, and the staff is only suggesting, and it is the person himself who takes the idea.

"Mr. Ma, how much money do you want?"

Manager Zhao said with a smile.

"500,000-1 million";

Originally, Ma Yibo planned to borrow 500,000 yuan, but now he says 500,000-1 million, even if he is discounted at that time

, it is about the same as he expected;The loan amount in 2012 is not as good as in 2021, the amount is calculated by system big data;

As long as your information is not bad, the salesman will help you try to fight for it, and it will reach the maximum value of the corresponding loan amount range;

In other words, the quality of the relationship with the salesman can determine the level of your loan amount.