Blackstone Code Chapter 528: The clutch of the bank
Originally Lynch's idea was to speed things up and buy those factories.
These factories are still cumbersome in the eyes of many people, but Lynch does not think they are cumbersome. On the contrary, he has found a way to use these factories to make money for him.
Sometimes the capitalists... no, none of the capitalists are good at this game of "money for money", only those who belong to his field can understand how to use 100 yuan to satisfy more people's desire to have a Hundred bucks of satisfaction and desire.
Although he couldn't visit those factories during this time, he could do research first.
In the morning, after saying goodbye to Vera, Lynch went directly to the Jinhui Company's Sabin City branch. This is a city-level bank directly under the jurisdiction of the city, not the kind of branch on each street.
The president of the bank personally received Lynch. Lynch is now a major customer of Jinhui Bank. His rank in the bank has been raised to the third rank after the main members of the board of directors.
The branch president was not as high as Lynch in terms of his internal status within the bank, so he took the initiative to welcome him outside the bank.
When Lynch's motorcade was slowly parked on the side of the road, and the bank president shivered in the cold wind and opened the car door for him in person, when passersby and bank employees were surprised and even envious and jealous, their eyes focused on him. When he was on his body, Lynch seemed to hear the voices of these people.
"It's **** good to be rich!"
"I didn't know you were going to pick me up in person, or I wouldn't have made the call."
After getting out of the car, Lynch took off the glove on his hand, revealing his right hand, which was soft and rosy in white. When he stretched out his hand, the bank president took his hand.
Maybe because he didn't want his cold and hard hand to bring a bad experience to Lynch, he took the initiative to let go of his hand, and the smile on his face could not detect the fact that he was about to freeze. There is a green in the red, which is frozen green, "This is what I should do, the state branch and the head office have issued documents, thank you Mr. Lynch for your help to Jinhui in Nagalil. "
Lynch is not the only JDC executive who has sided with Jinhui on the Nagalil issue, but the bank can't downplay the matter just because he is not the only one, it will offend people.
Therefore, they not only raised Lynch's level internally, but also issued documents. On the one hand, they told everyone that Jinhui has established a firm foothold in Nagalil, and its business volume has increased unprecedentedly. There was a chance to go, but those who hesitated repented. On the other hand, they also mentioned the help that Lynch and others gave the bank.
As a human being, he has achieved this, and has far surpassed many people.
"Let's go in and say, it's too cold outside." Lynch patted his arm, and the manager immediately agreed.
The two walked into the bank side by side. At the moment Lynch's footsteps entered the bank, almost all the staff members stopped their work, stood up and looked at him. .
This also led to some unidentified people who were doing business in the bank and stood up ignorantly, thinking in their hearts that when those people pass by this way, should they also learn from the bank? People bow or something?
Fortunately, this kind of thing didn't bother everyone for too long. The president took Lynch directly into the president's elevator and went upstairs. Bank branches and state branches in various places have been learning upward in some aspects. For example, there are some elevators that are not usually used by ordinary people.
After entering the warm room, the manager's condition seemed to have eased a lot, and his face returned to normal. He brought a cup of coffee for Lynch in person, and then sat beside Lynch, "Mr. Lynch, Is there anything Jinhui can do for you?"
He did not use "I" or "Sebin City Branch", but directly used the name "Jinhui", because he and the regional branch did not represent the attitude of the entire bank.
Lynch directly talked about the purpose of his visit, "I hope to check the funds and debts of some companies..."
The president of the bank was stunned for a moment. The operation, debt, and assets of an enterprise are related to whether the enterprise has money or not. Three institutions will file records at the same time.
The first one is the bank. A business cannot do without the support of the bank. Whether it is deposit remittance or other financial-related business, it is inseparable from the bank.
The second agency is the tax bureau. No one knows better than them how many accounts a company has, how much money it has, how much debt it has, and what the nature of each money is.
The third institution is the local social service bureau. The social service bureau is responsible for the registration and renewal information of enterprises, which also includes certain, but not many, operating conditions.
These information are not voluntarily disclosed to the society, nor do they support personal access. After all, it involves a lot of very confidential issues of enterprises. There are also corresponding laws in the federal government to support the three agencies to keep this information confidential until necessary. With the consent of the parties, it will be disclosed to the public to a limited extent.
It was the first time that the president had encountered such a fruitless talk about checking the funds and debts of these companies. He had never even heard of it before.
"This doesn't seem to be in line with the rules..." The president of the bank explained with a wry smile, "There are regulations in the bank, these belong to non-public access to information, and you need to apply for an administrative order, which cannot be approved in a short time, and we still The heads of those businesses need to be notified.”
Lynch didn't care, "You can make a phone call and ask, but please believe me, it's better to show me those documents instead of making this call."
The president hesitated. He could understand Lynch's words. He felt that there were some unruly questions he responded to, but what about the people above?
Not all people in the state bank can make decisions. They have to continue to react upwards. In the end, they will toss for a long time because of things that have no stake in them. Might be considered not flexible enough by those above.
The tossing is not good. As the first person to come into contact with the report of this matter, it may be hated by Lynch, or considered incompetent by the president below, so it is not good to report this kind of thing, and it is not good to report this kind of thing. Well, Lynch's words put the president in a dilemma.
"It's just some unremarkable companies. After I acquire them, they will be mine. I should check the funds and debts of my own company in advance. There should be no problem?"
Lynch's words and his attitude were not aggressive. Instead, they seemed to be negotiating, and Chang Fei could feel that there was a kind of toughness behind this seemingly mildness.
He was thinking, and Lynch didn't bother him. After about half a minute passed, he sighed, "I hope Mr. Lynch won't tell other people about this, it's really not in line with the rules!"
The repeated reiteration of an unconventional thing is not that it really violates the principles of some people, but that the president has made a decision at this time and emphasized his role.
Lin Qi nodded slightly, "I know that another person may not be able to understand what I said. Anyway, thank you for your cooperation..."
Not long after, the president personally went to pick up some documents for Lynch. These are the files of the companies that Lynch requested, which records the deposits of these companies in the bank's public account, the flow of funds, whether they have debts, Whether there is a mortgage, etc.
If they have taken out a loan from a bank, the larger the amount of the loan, the more detailed the information will be, and the bank will never put themselves in danger when they assess the current situation of a business that may not be able to pay off the loan When the company suffers further losses and cannot repay the loan, they will file a lawsuit to the court and require the company to repay the arrears in advance.
In fact, this is very inconsistent with the loan contract. If it does not expire, why should people return the money to the bank? Most people may think so, but the bank also has its own method.
During the loan process, the bank will ask some basic questions to the enterprise, and these questions will also be entered into the information and even the contract. One of them is "If the bank agrees to your loan, you intend to put this Where is the money spent?"
Most people would say, I will use it to buy raw materials/buy new machinery/build a new assembly line... blah blah blah, at this point these answers become the easiest reason for the bank to collect debt - you didn't put The money lent to you by the bank is used for the purpose you stated to the bank. You breached the contract first, so the bank has reasons and the right to call for it in advance.
Isn't it a jerk? If the company protests and files a counterclaim ~IndoMTL.com~ The bank only asks one question, and people can't answer it - how do you prove that your consumption is within the scope of consumption that is not allowed by the loan contract , not part of the loan, is enough to give a lot of headaches.
And they want to prove it is very easy, we are the bank, we know you are using borrowed money, or your own money.
That's why Lynch went to the bank to check this information, not the tax office, or the social services bureau.
"Thank you very much for your understanding and help..." Lynch expressed his gratitude and focused on these documents.
These companies are small manufacturers of daily necessities, such as some pots, buckets, pots and other factories that are closely related to people's lives.
These factories have complete assembly lines and skilled workers. Even their warehouses store a large number of final orders and mountains of raw materials. With their assembly lines, the value of these things has far exceeded the value of these enterprises. market cap, this is also a good time to acquire them.
However, the acquisition of these companies still needs to wait for a while. It is necessary to create an opportunity for Ferrara and at the same time reduce the problems encountered during the acquisition. For example, some people grit their teeth and are unwilling to sell, or re-convert into shares.
Lynch carefully selected seven or eight suitable companies and took them out individually. The bank president also took a look at them. He noticed that these companies have a certain amount of loans...
Please remember this book's first domain name: . Mobile version update fastest URL: