Nowadays, in addition to the equipment manufacturing part, Hengdian's business also has the power plant construction part led by Hongqi, and the automation part is just starting. The most important thing that can be taken at present is the economizer patent certificate. In the subsequent matters of Xinming's pirated version, Secretary Zhang of the Electrical Academy, who was frightened, had agreed to Hengdian's patent repurchase for the patent at a price of hundreds of thousands of yuan. Hengdian bought out the patent rights of the school, which is now exclusive.

With a national certification, large-scale production, extremely profitable product patents, coupled with the strong praise of two national treasure professors, Hengdian... still did not apply for a loan immediately.

The traditional banking industry is not as fond of this small deal and is too lazy to manage these things. Although the banking industry is not a stagnant pool at this moment, it can be said to be leisurely. Except for the hot selling of treasury bonds, banks at other times, like ordinary state offices, save money and withdraw money and get off work safely. Market awareness and competition awareness do not exist at all. Financial products are even more in the sky. What? Do you want to exchange foreign currency? Turn right at the door to find a scalper!

Even in the eyes of ordinary people, banks should be a business of the country. The place where everyone can keep their property is an institution.

Therefore, the two largest banks of Hengdian simply ignore loans of this scale and mortgage of this level.

It was at this time that Boge and Xiang Xiaofei mentioned a new bank called United Bank, which was the first to reorganize enterprise, and united dozens of provincial and municipal banks across the country to integrate and establish large banks.

Although neither Bo Ge nor Xiang Xiaofei dared to put money in such a "small bank" without a "national sign", there is no way out now, and the loan matter can only be hit.

As soon as it hit, the flies were facing mung beans. The United Bank was newly established shortly after the market expansion and responded to the government's call, and was promoting loans to private enterprises, making up for the fly legs that big banks were too lazy to touch, and asset appraisals and mortgage appraisals. So they went down step by step, and the various appraisals are now at the end. Several people in charge came to Hengdian to visit and get a sense of it.

But I didn't expect that Yaxing, who came from the head office, was also very concerned about this business, so I came here in person. It was impossible for him not to pay attention to it. Such a large amount of private enterprise loans is a big breakthrough if it is done well, and it is also a big responsibility if there is a problem.

But Qiu Zhizhang thought clearly and was afraid of responsibility, so what if he was doing nothing?

Those two big banks can be afraid, but United Bank cannot be afraid.

As for the director Chen Xingyuan, who was in charge of credit in the middle, he had more concerns and was never too supportive. But the president of the president was so determined that he had to follow.

The group walked like this. Qiu Zhizhang looked at the factory workshop with great enthusiasm, visited the office building laboratory, saw the production process of economizers, and witnessed a batch of microcomputers that Chang Jiang had just created. Just when everyone thought they were going to sit down for a meeting and had lunch together, Qiu Zhizhang took his men back.

Looking at Heisang who was leaving, Chen Yanrui was still a little stunned: "Who is it here to visit?"

"It seems that, just visiting, you don't even have a meeting." Xiang Xiaofei stretched and smiled, "It's good. Seeking truth from facts, there's nothing to do with the meeting."

Chang Siping frowned and said, "The president of the president is here, isn't it basically a big problem?"

"Yeah, there's no big problem."

Chang Siping asked again: "Have you confirmed the loan amount?"

"Yes." Xiang Xiaofei stretched out three fingers.

"Three hundred thousand?" Chang Siping asked again.

"Old Chang, you've been stupid in research recently. You can't even build a laboratory in Changjiang with 300,000 yuan."

"Three million?" Chang Siping stared at the eyes and said in surprise, "We owe the bank 3 million? I won't have that much to fight to the death in my life! If I can't pay it back, will I still live?"

Well, Lao Chang is the best expert in motivation, so he naturally becomes an idiot in finance.

"I'm really stupid in research." Chen Yanrui laughed without hesitation, "We are a joint-stock company, and the company's debt has nothing to do with you and me."

"Aren't we shareholders?"

"Then you don't have to bear such debts, right?" Chen Yanrui rushed to Xiaofei and asked.

"It's certain, I'm the legal person. I'll take it if something big happens." Xiang Xiaofei smiled indifferently. In fact, she was about to explode. She was already a rich woman, so why did she have to bear so much debt in the blink of an eye? Zhang Yifu, can't Xiao Yi feel at ease? Your parents gave you this name for nothing!

"You're going to..." Chang Siping was already so stupid that he was cute. "A little girl... the pressure is too great. I will work harder to see if I can break through the process cost."

"Lao Chang, you have this skill. Isn't it better to contact students to place two orders?" Chen Yanrui's thinking is more normal, and he smiled, "Lao Chang, don't worry too much. Our microcomputer protection side is about to enter the R&D stage, and there is a lot of hope."

"Old Chen, when did you become so blindly optimistic? Can microcomputer protection be developed within one or two years?"

"Hehe, this time, it's not necessarily true." Chen Yanrui was in a good mood. During this period, he also studied it carefully and asked his colleagues to confirm. The set of things given by Zhang Yifu was really good at all. It was amazing. Once this was done, the benefits were several times that of economizers. To put it more exaggeratedly, after the equipment production line was completed, just wait for the product to be released.

The two elders had their own ideas, and Xiang Xiaofei had no choice but to cry.

Just now, Qiu Zhizhang had a kind and kind visit, but he was not so calm when he returned to the bank. The bank had already had a meeting on Hengdian's loan.

Basically, people over 40 years old do not advocate loans.

Under 40 years old, I feel that I can borrow money.

Chen Xingyuan was stuck at this age line, so he simply did not make a clear statement.

The reason for not wanting to lend is clear, it is too unsafe. If you lend it to a factory with a state-owned background, you won’t be afraid of how much you lend. If something happens, upstream units will take care of it. But even if you have some skills now, who can guarantee that it can make a profit? The amount of 3 million is too much in this era, and few people have the courage.

The party who advocates the loan has quite sufficient reasons. Compared with the two traditional large banks, the newly established United Bank is at a complete disadvantage in terms of savings and credit. Especially the people do not recognize the United Bank's brand at all, and think it is a strange bank that will run away at any time. Now it depends entirely on the original resources of banks in various provinces and cities to maintain the situation and is in danger.

Why? Because these provincial and municipal banks were originally managed by the provincial party committee and municipal party committee, and were their own children of the local government, so they naturally took care of them. Now everyone has been separated and united to become an independent bank, managed by the board of directors of the head office. Although the capital composition was originally state-owned, it is impossible for the Ministry of Finance to take care of you, right?

In the middle of the day, many of the provincial and municipal units that used to have business transactions have begun to invest in other companies, and the future is difficult.

At this time, breakthroughs must be made, breakthroughs must be made to a new market and to a new era. Young people are full of energy in their careers, not afraid of mistakes, not afraid of losing, and can afford to bet and play.

The old comrade must be afraid of everything, counting the days to retire, fearing that the poor United Bank would die before he could succeed in his lifetime.

Some people are old, but they are still young, and they are talking about people like Qiu Zhizhang.

The long-term stalemate made him see clearly the people in front of him, see through the current atmosphere in the industry, and smell the atmosphere of defeatism and "retirement"ism.

This decadent smell should not exist in the bank that he held in his hands. After hearing a series of debates, his promotion plan has been silently spread out. It is clear who fits his philosophy at a glance.

The only thing he couldn't see through was Chen Xingyuan who was stuck on the 40-year-old line. On the one hand, he performed his duties conscientiously and carried out this matter efficiently and responsibly, and carried out various review processes. On the other hand, he did not show the passion he deserved. Instead, the loan officer under his command was full of enthusiasm, the kind of enthusiasm needed in the new era.

At this point, Qiu Zhizhang actually doesn’t have so many choices.

When everyone else was thrusting, he finally spoke.

"Leave this matter to the head office to take charge." Qiu Zhizhang took a sip of tea silently, "Through the board of directors, the board of directors stated that the head office should take responsibility and the head office will lend money, so Jijing Branch can accept it, right?"

When everyone heard this, they realized that the ss was so determined.

In fact, before going to Hengdian, Qiu Zhizhang was not so determined, but when he saw that team and everyone who was full of vitality, in an instant, the bloated and lazy feeling of a state-owned factory in his mind was wiped out. It can be said that basically no one here is "retiring". This is the highest evaluation of Qiu Zhizhang's evaluation of a place at this stage.

Behind this appearance, there must be more things hidden.

Those two professors were the academic masters of the country's leading power college half a year ago. They dared to gamble on their future and break out of the inherent system and come to this small factory in Chaoyang, let alone United Bank?

There must be stories, reliance, and background. This background is something that the girl couldn't hold on. Although she was already very good, it was not enough.

So after chatting and testing during the visit, I heard that the largest order was mainly used in the national-level project of the North China Bureau, Qiu Zhizhang had already made two or three predictions.

Finally, there is the last straw that overwhelmed the camel. In the exhibition room of Hengdian Office Building, there is a photo with the following words "Jia Tianyun, Director of the Energy Saving Office of North China Bureau, visited our factory." Although Qiu Zhizhang had never seen this legendary character, he had always heard of the name.

These few visits from the leaders in the system actually included Jia Tianyun. Qiu Zhizhang understood the system very well and had decided at the moment.

With the order of President Qiu Zhizhang, the board of directors came to take on this responsibility, everything was settled, no one said anything more, and the remaining voice was left to time.
Chapter completed!