Chapter 1860

Zheng Haixia frowned when she heard the speech, which made her even more confused.

"Is it difficult that if we don't put 300 million yuan in their bank, they won't cooperate with us?"

Shen Dapeng nodded, "that's the truth!"

Speaking of this, Shen Dapeng couldn't help laughing and said: "Haixia, this is the case in today's society. Without common interests, there is no common cooperation, especially in business. Many cooperation doesn't bring each other together because of interests?"

Zheng Haixia thought about it and nodded definitely, "you're right, it's true."

"Although it sounds cruel, the truth is like this. Since ancient times, the situation has changed, and everything is like this."

"Take the manufacturing bank for example. If it hadn't been for the last help of the Shenzhen Development Bank, our money would still be in the development bank. From this point of view, we should thank the manufacturing bank."

Shen Dapeng paused and said with a smile, "but if you think about it from another aspect, you will understand that there is no unprovoked help or hatred in this world. Why can others help us?"

Zheng Haixia thought about it and said, "we put 300 million yuan in the bank. The interest generated every year is not a small amount. People must be happy to absorb such a big family as us."

At least she knows the operation mode of some banks, so Zheng Haixia knows more about these.

"The bank gives us a lot of interest every year, but people take the 300 million yuan loan out. There are a lot of loan interest every year. It's much higher than the deposit interest given to us. Once in and out, the bank is equivalent to making money with our money. Hasn't the money earned fallen into their pockets?"

Listening to Zheng Haixia's explanation, Shen Dapeng smiled and nodded, "you're right. That's why some people say that no matter which industry makes money, it doesn't make money as fast as the bank. To put it bluntly, the bank is a white wolf with empty hands. We know this, but there's no way."

"The reason why the manufacturing bank is willing to help us is that they see the benefits brought to them by our money, so they help us. Our financial company has been revitalized. Relatively speaking, the manufacturing bank has also benefited. This is a matter of killing two birds with one stone."

"As for what I just said, I now have several companies, and the assets of each company add up to more than one billion, so I just said that the loan is one billion, which is well founded."

When Shen Dapeng said this, a trace of helplessness flashed in his eyes. "Therefore, under normal circumstances without interference from other factors, it is entirely possible to use my companies as collateral and lend 1 billion, but the reality is so cruel!"

"Dapeng, I see. To put it bluntly, the bank is also afraid of too much risk, so it is unwilling to lend us so much at once?"

Hearing Shen Dapeng say this, Zheng Haixia couldn't help inserting a word.

Shen Dapeng nodded, "yes, after all, it's the first time for people to deal with us. People will certainly consider trust. In addition, although the assets of each company are estimated to be more than one billion, how is the company's development, whether it has popularity, whether there will be accidents in the development, resulting in the rupture of the capital chain and the failure to get loans from the bank, etc, These will become the factors they consider. "

"From a comprehensive point of view, people can give such a small amount because of our cooperation, and it is within their risk control ability. After all, people's banks also have to plan for themselves, don't they?"

Zheng Haixia suddenly realized, "after all, it's the business community. Everyone takes making money as the first priority. Unlike the Jianghu, you can be impulsive and help when it's critical."

"Yes, some problems sound frustrating, but if you want to understand, that's what's going on. It's normal. Anyway, thank you for your trouble this time."

Shen Dapeng's politeness made Zheng Haixia not sure what he thought for a moment. Stunned, he still asked tentatively, "Dapeng, what do you mean, do you want a loan?"

Although the manufacturing bank only gave a quota of 200 million, after all, people are willing to lend, which is better than not lending? Besides, with these 200 million yuan, we can do something at least, can't we?

Shen Dapeng smiled and shook his head. "Please tell the vice president, thank him for his kindness. I don't need it for the time being. I'll contact you if necessary in the future."

Listen to this tone, it doesn't need a 200 million loan. Zheng Haixia doesn't know what Shen Dapeng thinks, but she still feels a pity for Shen Dapeng's decision.

But she doesn't know that for Shen Dapeng, the 200 million yuan loan is just a drop in the bucket. It can't solve the current large-scale and substantial development of various companies. Instead, it's better not to use the 200 million yuan.

"It can be seen that the development of financial companies during this period is still very good. Apart from anything else, I feel that it is better than Huang Bin's Feihuang financial company?"

Zheng Haixia smiled when she heard that Shen Dapeng had shifted the topic to financial companies and stopped talking about loans.

"It's really good. Not only do many house buyers from the apartment building come here to handle house loans, but other newly opened buildings have customers coming to us to handle installment payment. Huang Bin's Feihuang financial company can't compare with us. It's good to have more than ten orders a month."

"That's OK. You've worked hard these days, but the development of the company still needs you. You should take care of your body. In addition..."

When Shen Dapeng said this, he couldn't help pausing. His eyebrows were tightly locked together, as if he were thinking about something.

"Dapeng, is there anything else I can do for you?"

Zheng Haixia thought Shen Dapeng was thinking about the loan, so she couldn't help asking again.

"No, no, I think of what you said just now. Buyers of other real estate have also come to our financial company for loan business?"

"Yes, judging from the current situation, there are still many. It seems that our efficiency should go up again this month." Zheng Haixia seemed a little excited.

He is also the second largest shareholder of Zheng Peng financial company. If the smile continues to be so good, he can get more dividends at the end of the year.

The benefit of the company is directly proportional to the investment proportion of shareholders. The better the benefit, the higher the shareholder income. Therefore, Zheng Haixia is eager to improve the benefit of the company.

Zheng Haixia thought that Shen Dapeng would be very happy after hearing the news, so she stressed it again.

However, what Zheng Haixia didn't expect was that after listening to this sentence, Shen Dapeng not only didn't look happy, but also looked more worried.