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Chapter 97 Loans

The first legendary Internet cafe located in Haijin University and Nankai University was defined as the mother nest by Zhang Yi from the beginning. Any position in the Internet cafe is backed up multiple times, and he even appointed four store managers.

Every 6 hours a cycle, one store manager is responsible for each cycle, and the same is true for the network managers, ordinary waiters, and technical support staff.

For him, the financial and hardware foundation for Internet cafes to expand are fully equipped. The only thing that is poor is the employees who are responsible for business ability and quickly get started. The first legendary Internet cafes assumed such responsibility. Quickly clone everything and lay the most urgent personnel foundation for expansion.

A month later, the second and third ones opened in Haijin at the same time, one was located next to the School of Foreign Languages ​​and the other was located next to the University of Finance and Economics and the University of Science and Technology.

The extra team was directly sent by him to Shangjing, located in Zhongguancun, where the most concentrated University of Shangjing University, this Internet cafe was named the Legend Internet Cafe flagship store by Zhang Yi. The scale was far greater than the first store in Haijin. The investment amount exceeded 7 million yuan, which is also the largest single investment by Zhang Yi so far.

The three stores opened almost at the same time, and they all adopted their own properties. This heavy asset model made money spend like flowing money. Zhang Yi felt the pressure of funds for the first time. It seems that the idea of ​​avoiding bank funds in the past needs to be changed.

Bai Jie had proposed before that she could use the first legendary Internet cafe as a counter-investment loan, quickly obtain funds, and then expand in the next step, but Zhang Yi was a technical resident before and was quite resistant to bank loans. Besides, she was not short of money at that time, so it was not necessary to find a bank loan.

Through Bai Jie, Zhang Yi released the news that he wanted to make a loan to the bank that had previously done deposit business in the company.

The bank immediately gave a positive response, and the president came forward in person and wanted to invite him to have a meal and chat.

Zhang Yi happily agreed.

Zhang Yi attended a high-end seafood restaurant next to Haijin Water Park with Bai Jie and Zhang Shun, the head of Haijin Branch.

In terms of banks, in addition to the president, the vice president in charge of credit and the head of the credit department also attended the dinner together.

The bank and his group saw a Porsche stop at the entrance of the hotel. The beautiful and mature Bai Jie walked down from the passenger seat, and the BMW 5 Series behind him also stopped.

A young senior came down from the driver's seat of Porsche. When the banker saw it, he understood that this might be the driver of a micro-hard company! No wonder Bai Jie was unwilling to use a bank car. After all, their company's cars are several levels higher than the bank car.

A middle-aged man about 40 years old came out of the BMW Five Series, and he looked extraordinary.

After looking at each other, a sensible expression appeared on his face. It seemed that this was the backstage boss of Micro Hard Company.

At this time, Bai Jie also saw the waiting group of people in the bank. She took a few steps and said hello skillfully to the bank.

The people from the bank raised their hands one after another and took a step forward, preparing to shake hands with Zhang Shun, suddenly they found that Zhang Shun was obviously behind the driver they saw, as if they were a follower of the young driver.

This scene made everyone in the bank a little at a loss. You should know that although the bank is an enterprise, it is like an official, with clear hierarchy and will not happen at all. The subordinates are ahead of the leaders, which is such a low-level mistake.

In amazement, Bai Jie introduced to them that the young man in front of her, who they thought was the driver, was the company boss Zhang Yi.

The middle-aged man behind is Zhang Shun, the manager of Haijin Branch.

Everyone put away their astonished expressions, and enthusiastically stepped forward to shake hands and greeted them. The intimacy seemed to be an old friend who had known him for many years. This kind of simple and profound attitude made Zhang Yi, a technical mate, really not very adaptable.

The bank's group praised Zhang Yi for being young and promising and being at the forefront of the wind.

No matter how Zhang Yi is again, he can't stand this kind of praise, and a embarrassed expression appears on his face.

Alas! It seems that it is difficult for banks to get deposits, and it is even more difficult to lend money out!

In 1998, state-owned enterprises were struggling to return. No matter how many loans were thrown into the bottomless pit of state-owned enterprises, there was no bottom. It was like a meat bun to beat a dog, and there was no return.

However, the scale of individual small businesses is too small and there is no way to take advantage of the pressure, so no one dares to lend them.

There are many companies that need loans, but these companies have problems of one kind or another. Companies with good operating efficiency do not need loans. This is a dilemma.

However, although Bai Jie's micro-hard software company belongs to the category of private enterprises, it is a high-quality enterprise in their eyes.

Foreign exchange income, sesame seeds are blooming more and more; domestic operation is in good condition and flow income is stable; the software CD part of the main business has stable distribution channels in major cities across the country, and it is blooming everywhere.

The online software mall has a unique business model and is currently the only one at home and abroad. Although its current revenue is not as good as offline CDs, it has huge potential in the future.

Shuntong Logistics, relying on CD distribution channels, has basically completed its layout in major cities across the country.

As for the copyright issues involved in microhard discs, they have nothing to do with them, not to mention that domestic laws in this field are still blank.

After drinking and eating, everyone started chatting casually.

Bai Jie wanted to speak several times and asked about the loan, but Zhang Yi's eyes stopped him. The two who were already in love with each other knew each other's habits and hints.

The bank members wanted to wait for the other party to speak first so that they could occupy a favorable position in the negotiations. However, they found that Zhang Yi, who was young and overly young, looked like an old god, and was calm and light.

This is not enough. From the books, we can see that the other party is not short of money at all. What’s most enviable is the astonishing amount of US dollars and yen, as well as the gradually increasing British pounds and German marks.

At the president's instructions, the credit section chief nodded helplessly, but complained in his heart, "M, a company wanted to take out a loan in the past, but I, the credit section chief, was considered the leader of the credit section, and was extremely dim. In addition to eating it all, it also depends on the mood. Now, it has become the smallest cat, and was pushed out by the president as a way to find a way to find out.

I looked up at the young man in front of me, who was younger than my son, and was even more irritated to doubting life. I was so young that I could create such a profitable business. Compared with him, this person in his 40s had lived to be a dog.

"Boss Zhang, I heard from Manager Bai Jie that your company wants to borrow a batch of funds, but I wonder how much do you want to borrow?"

"Dani, have I ever said I want to take out a loan?" Zhang Yi turned to Bai Jie beside him and asked, his surprised expression beyond words.

Looking at his innocent expression, Bai Jie's heart, tens of thousands of grass and mud horses whizzed by.

Her face was a little awkward, and everyone in the bank felt like a mirror in their hearts.

If we just saw that the other party was too young and everyone was still a little despised, we couldn't help but be speechless about Zhang Yi's superb acting skills.

It's true: life is like a play, it all depends on acting skills.

This is the case in the credit industry. A person who wants to sue his grandparents wants to find a safe company to lend. However, this company has sufficient cash flow and no desires will lead to steel.

Of course, the final result can be imagined.

Seeing the initial agreement reached, everyone in the bank had a depressed expression on their faces, and walked past and drove away. Zhang Yi felt very happy.
Chapter completed!
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