Rebirth 1991: My Financial Era

Early the next morning, Sun Chen confessed to Sun Renyu: "Dad, my uncle said hello and helped you borrow 10 yuan for start-up expenses. I will take it with me."

"Okay, I'll get it, don't lose it." Sun Renyu had no doubt that he was there.

After registering at Hansteel's communication room and walking in Hansteel's factory area, Sun Renyu kept sighing with emotion, "It's different when you have an identity. It used to take me half a day to buy ginning equipment and enter the factory."

Now he is the manager of a tertiary industry company and is no longer a farmer in the city.

Director Wang was very enthusiastic and said with a smile, "We are not outsiders. Today we will go through a formality and set the quantity and price."

"Director Wang, we want the first batch of 1000 tons. You can just follow the market price."

Whether the quantity of 1000 tons is large or not is completely within the authority of Director Wang, and the price is also open and transparent. However, the conditions given by Sun Renyu yesterday were really generous. It should be more than that, right?

"1000 tons is no problem. As a family, we will give it to you according to the price of state-owned enterprises, 1500 yuan per ton. If there is no problem, I will issue an invoice for you, and you can go to the finance department to pay."

Director Wang sat firmly on Diaoyutai, waiting for Sun Renyu to make conditions.

"That's right, Director Wang, you are my brother. Our tertiary industry company is indeed in a bit of difficulty at the moment, so can we be accommodating on the payment terms?"

"How to say?"

"Do you think this will work? We will pay 20% down first and pay the balance within six months."

"You are trying to get away with nothing!" Director Wang sneered.

"There is a six-month repayment period, so it's not like I won't pay. Now that the triangular debt is so serious, Brother Wang, please be accommodating." Sun Renyu lowered his attitude.

Director Wang tapped his fingers on the table, making Sun Renyu and Sun Chen's hearts jump.

Sun Chen winked at Sun Renyu. Sun Renyu said, "Brother Wang, I know that your family has a big business and needs to take care of many things. We can help you reimburse some entertainment expenses."

Sun Renyu took out an envelope, one with 100 yuan each, in a thick pile. Director Wang can give it even if it's hard work. The key is long-term business.

"Oh?"

Director Wang weighed the thickness, put it away and put it in the drawer.

"Okay, I'll give you a batch of 500 tons first, and then come back to me after everything is sold. The price will still be 1500 yuan."

Starting with 500 tons, the target has been basically achieved, so just stop when you see a good result. The key is to take the first step of selling.

"Thank you, Brother Wang!" Fill out the contract terms, pick up the official seal of the tertiary industry company, seal it, and hand it to Director Wang. The official seal of Hansteel Company has been stamped in advance.

"Brother Wang, can you make two orders for 200 tons for the first time and 300 tons for the second time?" Sun Renyu made a new request.

Director Wang thought to himself, is this the strength? I felt disdainful, but I still issued two receipts and stamped them with the sales department's stamp.

"Then I won't disturb you anymore. I'll treat you to a drink in two days." Sun Renyu exited Director Wang's office with the contract and payment slip.

On the way to the Finance Department, Sun Renyu felt a little sad but also a little happy. Thanks to the operation of my son, I was able to get such a contract.

According to the market situation, the wholesale price within the system is 1500 yuan per ton, and it can be sold for 1700 yuan on the market.

Originally, Sun Renyu's family only had 1 yuan. After eating yesterday and today, 1 yuan was almost spent. Sun Chen paid the 10 yuan as a down payment of 200 tons, and the remaining money was used for maintenance expenses.

Sun Chen saw Sun Renyu's troubled look and comforted him.

"Dad, don't worry about your money. We make more, so don't worry!"

"What? Don't you earn 200 from 4 tons?"

"Where are you from now! It's time to show off your real skills! Let's go, pay the fee and pick up the goods first."

Payment and delivery are very fast. Hansteel is a century-old factory with very standardized management. The goods were shipped to the designated warehouse the next day.

The warehouse belonged to the original tertiary industry company, and Sister Zhou arranged for a warehouse keeper.

At this time, Sun Renyu and his son were sitting in Sun Renwu's office.

"The contract has not been signed, why are you coming to my office?" Sun Renyu is very busy at work.

"Isn't this because I want you to help me find a bank?" Sun Chen smiled playfully.

"No!" Sun Renwu simply refused. He really didn't know him.

The two of them came out in despair and went to find Zhou Hongxia.

"Sister Zhou, which bank does our company open an account at?"

"No, with just that little cash, I can take care of my finances. Why do I need a bank?"

Sun Chen was a little dumbfounded when he heard it. Sure enough, rebirth is not a panacea. Anti-money laundering work has not been carried out these days.

"Then do you know any bank? Let's open an account and see if we can get a loan later? Let's at least support the business and support these dozen people!" Sun Renyu was very polite and couldn't figure out Zhou Hongxia's background. I'm from the countryside, so be careful in everything you do.

"Then let me ask you a question." Zhou Hongxia still smiled and took her time.

"Aunt Zhou, my dad said that if you can introduce a bank loan, I will give you a special bonus. The same goes for other colleagues who can find it." When Sun Chen saw this situation, he felt that there was no fish, so he took a net first and then talked about it.

"That's good!" Zhou Hongxia smiled and walked away, 50% faster than usual.

"You're really good." Sun Renyu couldn't control Sun Chen anymore.

"Dad, let's find a house. You won't feel comfortable living in dad's house all the time."

"You can see it, go now!" Sun Renyu thought this suggestion was very good and went out to rent a house.

The next day, Zhou Hongxia brought over a piece of paper that said the Hankou branch of China Construction Bank, the president Li Chuxian, and the phone number.

Sun Renyu quickly borrowed a phone to call, but it took a long time to get through, and his voice was very lazy. "Hey, which pot(s)?"

"Hello, President Li, I am Sun Renyu from the tertiary industry company of the branch. I hope to open an account with your bank and discuss some business cooperation."

"Oh."

"I was introduced by Sister Zhou. It depends on your convenience. Come and visit me."

When the other party heard that it was Sister Zhou who introduced him, he immediately became enthusiastic. "Okay, you're welcome. I'm free in the afternoon. Just bring your official seal and financial seal."

Is Sister Zhou very powerful? Sun Renyu looked at Zhou Hongxia differently.

"I was also introduced by someone else. I'm not too familiar with him. I need you, Manager Sun, to talk to you yourself." Zhou Hongxia was calm and didn't take it seriously.

In the office of the president of China Construction Bank Hankou Branch, Sun Renyu explained his intention.

Li Chuxian is tall and thin, wears glasses, and looks very bookish. "It's no problem to open an account, it's just about borrowing money..."

"This is our application report. Please take a look at it." Sun Renyu didn't wait for President Li to finish speaking and handed the report over directly.

"Well, you guys drink water first and I'll take a look."

Sun Chen was afraid that Sun Renyu couldn't explain the loan plan yesterday, so he wrote a report and brought it over. It was very brilliant.

President Li’s face is also wonderful. "Good plan, Manager Sun is a talented person!" He immediately felt like a confidant.

What a good plan, isn’t it just a trade financing plan? Warehouse receipt mortgage loans can control risks by controlling warehouse receipts, capital flow and information flow. Steel traders used to use this trick in previous generations.

The real technology is to be able to write this trading model in such a sophisticated way!

What Sun Chen would not tell Mr. Li was that his steel inventory was sold on credit. He only paid a 20% down payment and the balance was settled in six months.

A true cargo title pledge loan requires banks to sign multilateral agreements with sellers, dealers and warehouses to truly control risks. Sun Chen would not reveal his background.

"I agree with the model, but I have to ask the branch for instructions. You guys wait for me in the conference room first, okay?"

Li Chu was delighted to see Liexin first. This was a typical innovation. Once the business was done, this year's progress would be achieved, and his desire to go further would be further strengthened. He needs to report to the branch leadership.

Li Chuxian finished his report and dealt with two things. About an hour later, he called Sun Renyu in.

"The branch leaders are very supportive. They can provide loans based on 80% of the value of the goods, but the total amount must be controlled within 60. Is that okay?"

Sun Renyu didn't expect it to be so easy, and he didn't take into account Sun Chen's careful planning.

Manager Li called Director Liu of the Credit Department to explain the process of account opening, due diligence and loan approval. Sun Renyu got up and went to open an account with her.