Yu Zhou had not really thought about the issue of raising money before.
After all, because of his rebirth, he temporarily didn't think much about needing to work hard to raise money.
A subscription certificate alone could make him a fortune, let alone other things.
Who would have thought that a big project would suddenly appear, and it was a project that he absolutely had to win.
For Yu Zhou, this was a project not to be missed, and one that could allow him to transcend his social class.
In such circumstances, if he didn't win it, he would likely regret it for the rest of his life.
Jiang Jie seemed to have sensed her man's determination. Even though she still didn't quite understand, she felt that she had to stand firmly by Yu Zhou's side.
Men! If they have no ambition, they will lose interest in doing anything. At that time, perhaps he would become like he was before, and she would only be able to shed silent tears.
The next day, Yu Zhou went to the Jiangbei Dangshan Branch as planned.
He needed funds, and he didn't want anyone else's help, so going to the bank was undoubtedly the best option.
After all, he wasn't considered a prime customer of the bank, but he did have many valuable assets to pledge, so borrowing hundreds of thousands for business wasn't a difficult task.
Therefore, Yu Zhou walked into the bank with full confidence.
As soon as he hinted that he wanted to apply for a loan, the bank's business manager rushed over immediately.
"Sir, may I ask how much you wish to borrow? Do you have any collateral? How long do you need?"
The business manager showed no signs of looking down on him.
Even though Yu Zhou's attire that day didn't make him look like a successful person.
However, banks were also struggling at this time, and personal loan businesses were almost impossible to develop.
They mostly cooperated with enterprises, and each business manager had a fixed amount of resources. If a personal client suddenly appeared wanting a loan, it was like a pie falling from the sky.
"I'd mainly like to inquire about the specific methods for cash collateral, physical collateral, and property collateral."
"I have all three, but I might need to use the cash and physical assets in the short term. I'm not sure if this form of collateral will work."
Yu Zhou didn't try to deceive them too much at this point.
After all, in his eyes, going to the bank for business was a very normal thing.
Had he not been short of money in his previous life?
No, the bigger the business, the more places you would need money.
Without the bank backing you up, it could be difficult when emergencies arose.
The reason he was inquiring about these things now was because Yu Zhou was not entirely familiar with the bank loan procedures of this era.
He knew that the wealthier people were, the more banks wanted them to borrow money. And he, with so many assets in this era, could indeed be called a rich person. After all, with over three hundred thousand yuan in cash deposits, there were very few individual depositors in the entire bank.
"You have cash assets? And besides cash assets, do you have other assets?"
The account manager's expression instantly changed. Clearly, in his eyes, this was an excellent client.
Moreover, at this point, Yu Zhou had no need to lie to him or boast.
Because some things could be seen clearly with just an asset verification.
This could only mean that Yu Zhou genuinely possessed considerable assets, and in his eyes, lending money to such a person was a welcome surprise.
It's important to note that in the early 1990s, ordinary individuals rarely took out loans.
Even for business, people would do as much as they could afford. People's mindsets only began to change gradually after the new century.
By that time, the overall development had entered a period of rapid growth, and countless private business owners were struggling for funds.
In this era, no matter what you wanted to do, taking out a loan was not the first choice.
"Yes, I have about three hundred thousand yuan in cash on hand!"
"As for assets, you should know about subscription certificates. I have more than ten sets, but I might sell them during the second lottery."
"Given this situation, according to the bank's current rules, would it not agree to use subscription certificates as collateral?"
Yu Zhou didn't even consider cash collateral.
Why? The reason was simple: he would need to use his cash in a few days.
In this case, according to bank rules, there might be loopholes, but the risk was also not small.
It wasn't a big problem to encounter a business manager who knew how to operate, but it could be difficult to deal with an ordinary one.
Yu Zhou didn't seek favors for this matter because he felt that applying for a loan was not much different from borrowing money directly.
"Of course, it's fine! You're so wealthy, you can definitely get a loan using subscription certificates as collateral."
"After all, once you sell the subscription certificates, you'll have cash in hand, won't you?"
"As long as the price of the subscription certificates doesn't plummet, the bank won't demand repayment in advance. It's perfectly feasible for you to trade the subscription certificates."
Upon hearing about Yu Zhou's assets, the business manager's eyes lit up.
At the same time, Yu Zhou's eyes also lit up. He hadn't expected that banks nowadays were so convenient to operate.
To the extent that they wouldn't check the collateral after issuing the loan.
This kind of thing would be almost unimaginable in later generations.
But in this era, it was not a problem at all. After all, there weren't even basic cases.
In such a situation, if you pawned something one second and transferred the assets elsewhere the next after getting the loan, it wouldn't matter.
After understanding these details, Yu Zhou began to ponder.
If this were the case, the feasibility of this matter would greatly increase.
After thinking for a while, he took a sip of tea and said, "I need an expedited process. How long will it take to get the funds?"
"The restructuring of the dried fruit factory is urgent. I need to raise the restructuring fee within a week at the latest."
"So, I have at most a week. The asset verification can be done anytime."
He was taking a gamble.