Chapter 426: Unforeseen circumstances
"Miao Xingzhang, please sit down, what to drink? Maojian or Pu'er?"
Belle Garden.
Ren Yan greeted with a warm smile.
“No need.”
Although Mr. Miao, who used to have a pleasant face, was still smiling, his expression was slightly stiff.
Ren Yan noticed something was wrong, but didn't think much about it and asked his wife to pour a cup of Pu'er.
"Mr. Ren, I am here today to discuss the two loans you made with our bank."
"President Miao, don't worry, of course I will not forget this. I have already prepared the money, but I may need Mr. Miao’s help when the time comes.”
If you do business, you will inevitably have to deal with the bank.
There are almost no rich people who do not owe money to the bank.
Ren Yan has always had loan dealings with banks and has a good reputation. The loan amount has gradually increased from the initial three million to tens of millions. He has also established a good relationship with President Miao personally.
Similar to the routine used by rich people, after the repayment period expires, Ren Yan will pay back the money on time and then lend it out again. This is how he borrows money from the bank step by step and builds his business Develop and grow.
"President Miao, I plan to open several new factories in Hanyang recently, so..."
Ren Yan also plans to follow the same pattern, intending to increase the loan amount again. It went quite smoothly, and the other party would agree without hesitation, but this time the situation he faced seemed to be different.
"Mr. Ren, I'm sorry, our bank may suspend loan approval business in the next period of time."
"Suspend the loan?"
Ren Yan was slightly stunned, caught off guard .
"...President Miao, why is this?"
"The current environment is not good, and all major banks are tightening their stocks and avoiding risks..."
"But Mr. Miao, my cooperation with your bank has always been very pleasant. I have never defaulted on a loan from your bank."
Ren Yan said quickly.
“I know.”
Mr. Miao’s expression was solemn and he said methodically: “Mr. Ren has always been a high-quality customer of our bank. I believe Mr. Ren, you should also understand that I I am doing my best, but this time, it is indeed a policy requirement, and there is nothing I can do.”
Ren Yan frowned, his eyes fluctuated, but he did not panic, but showed the composure of a successful boss. , calmly said: "President Miao, Jinhai has decided to increase investment in Tushun Automobile. You should also understand my relationship with Tushun. I plan to expand the scale of production next. If your bank stops lending, I... …”
The essence of a bank is to pursue profits.
The so-called worldliness, in the final analysis, is nothing more than profit.
The reason why Mr. Miao has always opened the door to him is not because of the profit.
He felt that after hearing the news, the other party would definitely change his decision, but Ren Yan was disappointed, and the other party didn't even wait for him to finish his words.
"Mr. Ren, I'm sorry, my power is limited and there is really nothing I can do. Mr. Ren should try another bank."
Ren Miao's beautiful stepmother came over.
"Miao Xingzhang, drink tea."
Miao Xingzhang stood up without touching the glass of water placed on the coffee table in front of him.
"Mr. Ren, the loan is due in one month. I hope you will prepare the funds in advance."
Even if the policy has changed.
But it’s not so decisive.
This sounds polite, but it is tantamount to forcing debt.
"Miao Xingzhang, I will send you off."
Even though he felt very uncomfortable, Ren Yan still forced a smile.
Sent Mr. Miao off, Ren Yan walked back and sat down uneasily.
"Isn't your relationship with Mr. Miao very good? Why is he so unkind this time?"
Weng Chun said in a low voice.
Although she does not have children of her own yet, she is very satisfied with her current life as a rich lady with no worries about food and clothing.
“How did I know.”
Ren Yan was puzzled and had no idea what went wrong.
The current environment is not good.
This is something everyone knows.
Ordinary people can see it.
It is understandable that banks are tightening their policies.
But Mr. Miao’s attitude is really too abnormal.
"How much money did we borrow from him?" Weng Chun asked.
“Probably more than 50 million.”
Ren Yan didn’t hide anything.
"If he really doesn't continue to lend money, can we pay back the money?"
Weng Chun asked cautiously.
"It's only more than 50 million, I can still afford it."
Having said that, Ren Yan's expression did not look relaxed at all.
Fifty million.
He can indeed pay it back.
But by then, the capital chain will become quite tight.
Business people are afraid that the capital chain will be broken. In serious cases, an otherwise prosperous company will go bankrupt instantly.
Moreover, Miao Xing’s long-term cessation of loans will inevitably affect his subsequent plan to expand production.
Jinhai’s increased investment in Tushun Motors is also an important opportunity for their downstream suppliers to flourish.
Don't miss the opportunity, it will never come back.
“I’ll call other banks and ask.”
There are far more than one bank in Seoul.
Ren Yan asked his wife to take her mobile phone and called all the major banks one after another.
What is incredible is that.
The responses given by the major banks were exactly the same as those of President Miao. Without exception, they all rejected his loan request.
Banks need to make money.
Otherwise, how to pay interest to huge depositors.
No matter how much policy is tightened, it is impossible to completely stop external lending.
And he, Ren Yan, has a good reputation and excellent assets, so he will not even give him a chance to negotiate.
Weird.
It’s really weird.
Blessings come in pairs, and misfortunes never come alone.
After being rejected, before Ren Yan could sort out his thoughts, he received a call from his subordinate.
"Mr. Ren, Henglong Instruments just sent a notice saying that it will terminate cooperation with us."
Ren Yan, who was in a bad mood, frowned hard.
"What's the reason?"
"They said our products do not meet their requirements."
"Didn't I say that every product must undergo strict quality inspection before leaving the factory? How did you do it? ”
“Mr. Ren, I have checked with the quality inspection department and they ensure that all the goods recently sent to Henglong have been inspected and there will be no quality problems.”< br>
"We have cooperated with Heng Lung for seven or eight years, and it has always been good. Will Heng Lung still wrong you?!"
Ren Yan thought that his subordinates were making excuses.
“Mr. Ren, I immediately contacted the relevant person in charge of Henglong to communicate with me. I asked them to send us the products they thought were unqualified and re-inspect the quality to see what went wrong. But they disagree."
Ren Yan frowned.
Another call came in.
“Wait a moment.”
He answered the second call.
"Mr. Ren, Dongfeng Technology has suspended cooperation negotiations with us."
"Mr. Ren, Tuopu Group has reported our unfair competition and has initiated a lawsuit in the court."
……
The phone calls kept coming.
Weng Chun was panicked.
Ren Yan looked gloomy.
(End of this chapter)