"Director, a Mr. Huang wishes to see you!" Inside the vice president's office at WZ City GS Bank, Wang De was frowning at a financial report when his secretary reported.
"I don't see unfamiliar people. Can't you see I'm busy?" Director Wang said irritably.
"This person, you've met him once!" the secretary said quietly.
"Have I met him once, and now he's very familiar?" Director Wang glared at his secretary. "Xiao Xu, don't you know how crucial this timing is? Vice Director Liu and I are only tens of millions apart. Do you understand what your work priority is?"
"Yes, that's why I specifically came to tell you, because this visitor is Chairman Huang from Jiangnan!"
"Chairman Huang? Huang He!" Director Wang's hand trembled noticeably, and he hurriedly said, "Quickly invite Chairman Huang in... No, I'll go welcome him personally. As for you, immediately brew that bag of Biluochun from Dongting Lake and bring it over!"
"Director, that's your..."
"Stop talking, just brew it!" Under Vice Director Wang's urging, the secretary rushed off to brew tea. Director Wang tidied his appearance, put on a professional smile, and then warmly went out to welcome Huang He into his office.
"Director Wang's enthusiasm is truly overwhelming!" Huang He said with a face full of smiles.
"Not at all, not at all. You are my great benefactor. Naturally, I must protect you!" Director Wang smiled even more happily, gesturing for Huang He to sit down, and then said, "I wonder what brings Chairman Huang here today?"
"Haha, what else could it be, but to repay the loan!" Huang He laughed. "It's shameful, I know, but your bank's loan has been overdue for three months. I understand Director Wang has taken on a lot of responsibility and taken great risks. How could I possibly delay it further? So, I've come today to repay the money."
"The first installment of 84.5 million, I'll pay it all back today. However, I haven't brought cash because my 100 million is currently in your bank's account. We can just handle the procedures directly, right!" Huang He said with a smile, revealing his intention to repay the loan.
"Oh, didn't I tell Secretary Leng that I would come over in a few days to discuss this matter? Why did Chairman Huang have to come in person!" Director Wang seemed a bit anxious. The money was already in GS Bank's own account, so why was he so anxious?
"Oh, I just felt it wasn't necessary to time the repayment so precisely. It's not good. Since I, Huang He, have the money, of course, I should repay it. Anyway, our Jiangnan Group is not short of money now!" Huang He smiled. "Not only that, but our Jiangnan Group has also found a golden goose. I estimate that within a year, the 350 million loan can be fully repaid. At that time, we will repay early, so Director Wang you won't have to..."
"Don't, why would you want to repay early!" Director Wang exclaimed in alarm.
"What, is there a problem with me repaying early?" Huang He was also surprised.
"No... it's just... the situation is a bit complicated. Anyway, if we aren't in a hurry for this money, you don't need to rush to repay it. You should use this money for bigger things, to expand your enterprise's development, wouldn't that be better?" Director Wang said with a fawning smile.
"Well, my leather business is going well. The equipment and market are all in place now, and I really don't have anywhere else to spend money!" Huang He shook his head. "I'd rather pay back the money first. With so much money, I can't feel at ease!"
"I'm here to repay money, not to borrow it!"
"Chairman Huang, you're mistaken. Delixi Electric Appliances is a big company, right? It's the leading electrical appliance enterprise in Wenzhou. Last year, they even borrowed 3 billion from the bank to enter the logistics and waste treatment industries."
"And Aokang Shoes, your industry peer, also borrowed several hundred million to buy advertising slots on CCTV as a 'King of Bids' to further expand its market."
"Hongqingteng Group is the same. They also prepared several hundred million for marketing and purchased advertisements on CCTV!"
"And several real estate developers are even more exaggerated, borrowing money from banks equivalent to three times their total assets, and they are still acquiring land across the country!"
"Even my third aunt, a woman who knows nothing, mortgaged her family property and took out a loan to buy a house in Shanghai, planning to help the people of Shanghai drive up housing prices and increase their total personal wealth!"
"Look, now entrepreneurs and individuals across the country are borrowing money for development. Why are you in such a hurry to repay the money!" Director Wang said earnestly.
"What you're saying seems to make sense! And I am indeed optimistic about an industry right now." Huang He nodded.
"Then you should go for it. With a great entrepreneur like you at the helm, it's bound to be a profitable venture!" Director Wang immediately said.
"It's just that the entry cost for this industry is a bit high, and the initial investment is also very substantial. I estimate that it might require an initial investment of around five to six hundred million. And now is the best time to enter. Once this opportunity is missed, there may never be another chance... but I really don't have the money!"
"Ah, forget it. I think I'll just repay the money and honestly continue with my leather business. I won't consider other things." Huang He backed down again.
"Chairman Huang, how can you give up such a great opportunity!" Director Wang's eyes lit up when he heard this. "As you yourself said, this is a once-in-a-lifetime opportunity. If you miss it now, you'll regret it for the rest of your life!"
"But I don't have that much money..."
"I have the money, I can lend it to you!" Director Wang said with a beaming smile.
"You'll lend it to me?" Huang He was stunned for a moment, then shook his head vigorously. "That's impossible, right? I haven't even repaid the 350 million I already owe. How can I borrow more money?"
"It's fine. As long as you are not overdue with our bank, and your company's monthly cash flow meets our audit regulations, GS Bank can continue to lend to you. There is no problem with this!"
"Let me see, in these past three months, your monthly inflow of funds has reached 150 million, which is 600 million annually! Such a large volume, it's the biggest in all of Wenzhou. With this data, without saying more, I can offer you a three-year loan of 500 million. Since you already owe us 350 million, the actual available funds will be 150 million. What do you think?" Director Wang said decisively.
"That won't do!" Huang He repeatedly shook his head. "If that's the case, wouldn't I, Huang He, owe 500 million instead of 350 million? That won't do, absolutely not!"
"But you already owe 350 million. Owing 500 million sounds more impressive than 350 million," Vice Director Wang said something he didn't even believe himself.
"Then wouldn't owing 1 billion sound even more impressive?" Huang He curled his lips. "Director Wang, as I said earlier, I need five to six hundred million in funding. If you give me 100 million, what can I do? Half of it will be gone, and I'll be in a difficult position, effectively killing myself?"
"Or, how about lending me a billion?" Huang He asked tentatively.