Huang He spent the entire morning in the bank manager's office. At noon, Huang He treated guests at the best hotel in Wenzhou. The two parties then discussed from lunch until dinner in a private room, and finally reached an agreement.
The agreement was that Jiangnan Group would first pay off all the outstanding debts, and then the remaining loans would be restructured and repackaged as a new loan totaling one billion yuan, to be repaid over five years. The first installment was due in October 2002, with a repayment of over two hundred million yuan.
Originally, it would not have taken so long, but Huang He insisted on the one billion yuan loan, threatening not to borrow if it was less. Vice President Wang continuously tried to lower the total amount, as the figure was quite challenging for him. However, Huang He's attitude was firm, and ultimately Vice President Wang had to bite the bullet and agree.
The next day, Jiangnan Group's finance personnel began processing various detailed procedures with GS Bank, and the matter was considered settled. At the latest, within two weeks, this sum of one billion yuan would be in Huang He's bank account.
"This time, the position of bank manager is as good as mine!" As the loan agreement was finally signed, Vice President Wang looked at the nameplate on the bank manager's office door with a triumphant expression.
In the adjacent office of Vice President Liu, sounds of exasperation could be heard, which made Vice President Wang even more smug.
To continuously improve performance, the superiors had clearly stipulated rules: attract deposits and attract loans. Whoever had a higher total would be promoted. The current bank manager was retiring in half a month, and before that, he had always been behind Vice President Liu by a total of over 50 million yuan in performance. Despite all his efforts, Vice President Wang couldn't find a way to make up for this 50 million yuan performance gap. After all, 50 million yuan in 2001, even in Wenzhou, was a substantial amount. There were very few people daring enough to borrow 50 million yuan at once. Moreover, most of these individuals had already been heavily persuaded by the bank to borrow significant amounts.
Therefore, even if Huang He hadn't come, Vice President Wang had already set his sights on him and intended to personally approach Huang He to get him to borrow.
This was because Vice President Wang had reviewed the loans to corporate clients within his own bank and discovered that Jiangnan Group's capital flow had undergone a tremendous transformation.
The previous situation of not a single cent of income for a year, with no money flowing in or out, had completely disappeared. In its place was a continuous influx of funds, with money coming in almost daily. Although the amounts weren't particularly large, they were constant. What did this indicate?
It indicated that Jiangnan Group had established a very stable sales network and could consistently sell its products. Jiangnan Group's greatest crisis had passed, and it was entering an era of unprecedented development.
According to Vice President Wang's experience, once an enterprise enters such a state, it typically enters a golden period of at least three years and becomes the bank's most valuable client. There would be no need to worry about the enterprise's repayment ability, making it the best candidate for loans. In all of Wenzhou, only Huang He had the capacity to secure a 50 million yuan loan for him.
This was precisely why Vice President Wang had been catering to Huang He throughout the entire process to get him to loan the money. Of course, the increase from five hundred million to one billion yuan was completely outside Vice President Wang's original plan. He had undergone significant internal struggle and finally forced himself to agree.
"However, Manager, this total loan of one billion yuan is a bit too much. It already exceeds the bank's stipulated limit. What if it's investigated..." Vice President Wang's secretary said with some worry.
"It won't be. Since the bank encourages us to attract loans, they won't quibble over these details. Moreover, this is not something I did alone; such practices are common throughout the bank, and they can't possibly make things difficult for just me. Therefore, at least until Jiangnan encounters trouble, we will not only be safe but will also be showered with praise and awards from the bank!" Vice President Wang stated confidently. "Furthermore, with this, the position of Wenzhou Branch Manager is guaranteed for me. Because this one billion is a huge risk, and no one can afford to let it explode, I must remain in this manager's position until Jiangnan Group settles the debt."
"Then, aren't we bound together with Jiangnan Group, sharing prosperity and ruin?" the secretary asked.
"Yes, but that kid Huang He managed to transform the Jiangnan Leather Factory into Jiangnan Group and bring it back to life in just three months. We can take a gamble on this kid!" Vice President Wang clenched his fist.
He was already 50 years old. According to the age limit in the banking industry, a branch manager or vice manager in a prefecture-level city usually retired around 58.
Considering future career progression, generally, if one hadn't been promoted to a provincial-level branch manager by around 55, there would be no possibility of further advancement.
Vice President Wang still had dreams; he wanted to strive for more. Therefore, he had to reach the position of manager at this age and then achieve even greater results in the next five years to ascend to the position of provincial branch manager and reach his life's peak.
As for becoming the head of the entire bank, Vice President Wang had never even considered it; it was entirely impossible.
It was precisely due to all these reasons that Vice President Wang ultimately agreed to push the original maximum loan limit of five hundred million to a hard ten hundred million. This was essentially gambling with his own life and future.
What Vice President Wang could never have imagined was that after his secretary finished work, he did not go home immediately. Instead, he got into a luxury car that had been waiting for him for a long time and arrived at Wenzhou's most luxurious nightclub. Surrounded by a bevy of beauties, in the most opulent private room, he met Boss Huang, whom he had just met in his office.
"Boss Xu, thank you for your hard work this time!" Boss Huang raised his wine glass and thanked Secretary Xu.
"Not at all. In fact, I admire Boss Huang's courage even more. I merely leaked some information!" Secretary Xu said with a sigh.
"Haha, but your information is worth ten billion!" Boss Huang laughed heartily, and the surrounding beauties collectively felt their blood hemoglobin surge.
The two bosses beside them were discussing ten billion yuan. Did this mean Boss Huang was a billionaire!
Thinking this, these beauties involuntarily began to snuggle up to Boss Huang and Boss Xu.
"Hey, you don't need to accompany me today; accompany our Boss Xu instead." Huang He intentionally called the secretary "boss" to prevent these beauties from leaking any information.
"Someone!" Huang He clapped his hands. About twenty more beautiful women, each of whom was considered a top-tier beauty in terms of appearance and figure, walked in. Coupled with those already in the room, there were a total of over thirty.
"Old Xu, I've paid for all these useless women. Feel free to enjoy them however you like!" Boss Huang laughed heartily. "Also, I've hidden a bank card from a Swiss bank on one of these beauties' chests. Please take the trouble to feel around and find it!"
"Boss Huang, you don't need that many. I can't handle it!" Secretary Xu's legs went a bit weak from fright.
"It's fine, just one person at a time. There's enough space here, and the girls are quite open. You don't need to worry!" Boss Huang laughed heartily, then stood up. "However, I won't be staying. I need to go home!"
"Boss Huang, with so many beautiful women, aren't you staying?" Secretary Xu asked, puzzled.
"No need. Someone is still waiting for me at home. I can't disappoint her!" Boss Huang chuckled.
"Alas, no matter how good a wife is, how can she compare to the wild flowers here!" Secretary Xu shook his head.
"No, the one waiting for me at home is not my wife, but my sister-in-law!" Boss Huang said.
"..." Secretary Xu was stunned, and then showed an expression of immense envy. "So that's how it is. No matter how fragrant the wild flowers are, compared to a sister-in-law, they are not even worth mentioning!!"
"Hahaha" Boss Huang left with a laugh. Fortunately, he didn't mention that Boss Huang had five sisters-in-law.