Ye Lai Hong Ye Ming Gallery

He slurped the noodles casually, took a sip of the soup and let out the heat, and the lens was covered with a layer of white mist.

"I took some loan application materials today. After you finish your meal, show them to the finance department. Prepare the materials written on them and give them to me. I will bring them to the bank staff next time." Gu Hongzhe put the materials Luo Leye gave him on the On the desk, Xu Feng looked up at the few pieces of paper, smiled at Gu Hongzhe and said: "It seems that we still have to send the company's front desk to help. Do you know how much you can borrow?"

"I don't know how much I can borrow. Today I just gave a rough idea. The details depend on the company information we provide, including daily sales contracts, annual audit reports, tax payment certificates and other materials. After submitting the materials, the credit will be approved by the bank. We can't get the money so soon." After speaking, Gu Hongzhe sat on the swivel chair and leaned back, remembering the scene when he happened to meet Luo Leye today, a faint smile appeared on his face.

He didn't know why, but when he saw Luo Leye for the first time at the art exhibition that day, he was attracted by this person; the dress of the other person that day was imprinted in his mind: the dark blue long windbreaker and off-white knitted sweater looked like him He has a slender figure, and the pair of eyes that are as quiet as the night look at the portrait in a daze, and the way he looks back at him is still fresh in his memory; he has never met a person with such a temperament before, and this person seems to be quite different from others They were the same, but Gu Hongzhe couldn't tell what was different.

The finance department spent almost two weeks preparing the corporate documents for the loan application, packed all the documents in a document bag, and handed them to Mr. Gu, then turned around and left the office.Gu Hongzhe was watching a video on the company's website at this time. In the video, a contracted anchor danced with a little girl who looked only in her teens. Users are "gifting flowers and cars", buying virtual coins and throwing them wildly, and the anchor's sales have suddenly increased a lot; Gu Hongzhe watched this video with a frown, and then notified the backstage customer service to take his video off the shelf and cancel it. The anchor locked the account for seven days of operation.He leaned his head against the boss chair and sighed. Out of the corner of his eye, he caught sight of the document bag that Finance had just placed on the table. His frowning brows instantly relaxed when he thought about it. Then he got up, put on his coat and took the documents to go outside.

In autumn, the fallen leaves under the sycamore trees are colorful, and the autumn wind blows the dead leaves to the road, dancing with the wind in the traffic.

Gu Hongzhe stood at the door of the bank and took a look in. After seeing the familiar figure, he quickly went to the number machine at the door to get the number.He found an empty seat and sat down, pinching and curling the corners of the file bag with his slender fingers, quietly looking at the busy figure not far away.

At this time, Luo Leye was instructing the intern Xiao Cai to do the company's foreign exchange trading business. He patiently told Xiao Cai the operation steps in a low voice, and cooperated with the newcomers to complete the work.After waiting for about an hour, Gu Hongzhe saw his number finally appeared on the monitor, and he immediately stood up and walked towards the business window.

"Mr. Luo, hello, I brought our company's information to you to apply for a loan." Gu Hongzhe looked at the man with chapped lips with a smile on his face.

Luo Leye has been busy since the morning and has not drank a sip of water. He is only focused on guiding Xiao Cai's business. His throat is so dry that it hurts, and his lips feel a little tight; he nodded to Gu Hongzhe, then left his post and took him to the reception room go.

The first thing Luo Leye did when he entered the door was to pick up the mineral water bottle reserved for customers on the table and drink it in a big gulp. The sweet liquid flowed into his throat, driving away the feeling of thirst and moisturizing every cell; Gu Hongzhe on the side Fascinated, he watched the other party's Adam's apple rolling up and down, and the chapped lips regained their original color after being soaked in water; after Luo Leye drank half a bottle of water in one go, the two sat down face to face and began to talk about the loan.

"I have prepared relevant materials one by one according to the form you provided last time, please have a look." Gu Hongzhe opened the file bag and took out a dozen of materials, and put them in front of Luo Leye.Compared with the unfamiliarity and embarrassment of the previous meeting, Luo Leye was not so embarrassed and uneasy when he saw the other party this time. He calmly looked through the information in his hand and began to ask about the situation of Gu Hongzhe's company.

"The registered business scope of your company states that technology development, technology promotion, technology transfer, technology services; computer system services and processing; design, production, agency advertisement publishing; engaging in Internet cultural activities, etc., so you are mainly engaged in Internet marketing business Can you please introduce your company's usual business content in detail?"

Luo Leye looked at Gu Hongzhe suspiciously, and thought: The Internet is a money-burning industry. Judging from the business license and these sales contracts he provided, it is really hard to see what this company does specifically, and the financial The report shows that the cash flow is also very normal. Although the company's life span is only more than four years, it can be judged from the report point of view that this is a company with a certain repayment ability.

Gu Hongzhe looked into Luo Leye's eyes with a smile, leaned forward slightly, and said in his deep and deep voice: "Our company has not been established for a long time. At the beginning, we mainly provided some creative netizens with a The social platform allows them to share their own videos for free, and we charge membership fees. Now, some of our anchors bring goods, which can be regarded as the development of e-commerce. Our current main revenue growth is mainly in e-commerce. We and Some companies have cooperation and will provide the service of anchors bringing goods, and companies will also provide us with a certain percentage of commissions when placing orders through our platform, and this part of the cost is an additional calculation.”

"How many employees does your company currently have?" Luo Leye's eyes escaped from Gu Hongzhe's eyes, and he looked at the company's annual inspection in his hand.

"There are not many people. Our company rents on the 18th floor of Shenghua Building, one kilometer away from here. There are about 40 employees plus the boss. If necessary, I can show you around our company so that you can understand how our company is doing on a daily basis. Operations, when is it convenient for you, can you go out to work when you are at work?" After Gu Hongzhe finished speaking, Luo Leye looked up at him with wide-eyed eyes, and recovered his calm face in the next second, and asked: "What time is it?" Judging from the number of employees in your company corresponding to the turnover and capital, your operating capabilities are very strong, at least from the report figures, it is not bad, so why do you want to apply for a loan now? What are you going to use as a guarantee?"

"Our current profit growth point is mainly in e-commerce, but we may need to invest some funds in e-commerce to make it more mature. After all, the Internet industry is highly competitive. If we do not keep pace with the times, we will be eliminated in minutes." Elimination, we want to develop some new projects with loan funds while the company is currently on the rise. We want to make each city’s characteristic section and classify the customer groups in more detail. No matter what kind of users can be in Our website finds the products we want and the videos we like. This is our original intention of creating this website. As for the guarantee, my partner is a legal person and will use a real estate under his name as mortgage, but the real estate It belongs to their husband and wife's joint property, so I don't know if it can be mortgaged?" After finishing speaking, Gu Hongzhe reached out to look through the information on Luo Leye's desk, there was a real estate certificate in it, their fingers touched it inadvertently, Luo Leye subconsciously pulled away right hand.

"I have a general understanding of your company's situation. Next, we will conduct some preliminary investigations, including actually inspecting your company's operations, management methods and corporate culture. The review of these materials will take a few weeks. At that time, I will I will inform you of the specific result." After speaking, Luo Leye opened the drawer and took out a business card and handed it to Gu Hongzhe, "I forgot to give you my business card last time, please accept it."

Gu Hongzhe quickly took the business card and said, "It's all right, is it convenient to add a WeChat account?"

"Sure, will you scan me or I will scan you?" Luo Leye asked.

"Let me scan you." After speaking, Gu Hongzhe opened the WeChat code scanning interface, Luo Leye took out his mobile phone from his pocket and opened the WeChat code, and the two added WeChat; Gu Hongzhe glanced at his profile picture, it was a colored pencil drawing, In the painting, the teenager sits on the grass with his back facing him, looking up at the blue sky, as if he has endless thoughts.

At this moment, Gu Hongzhe's cell phone rang suddenly, and the caller ID was "Auntie". He greeted Luo Leye: "Sorry, I'll answer the call, hello, Auntie."

He couldn't hear what the other party was saying, but he could only hear Gu Hongzhe's persistent response, "Yeah, yum, I see, see you later."

After finishing speaking, Gu Hongzhe bid farewell to him, Luo Leye got up and sent him out of the reception room, and saw him to the door of the bank, but not far from the door of the bank, he saw a figure sealed in his memory. He never expected that he would see him again this woman.

"Hong Zhe!" The woman stepped on her high-heeled shoes and walked towards this side quickly.

"Auntie, why are you here? I didn't tell you in advance, so I can pick you up at the airport." Gu Hongzhe stepped forward to help her carry the suitcase, and the two walked towards the parking lot not far away.

All of this was seen by Luo Leye, his eyes were slack, his mouth was slightly opened, his fists were clenched tightly by his side, his body was trembling uncontrollably, the security guard at the side saw it and went forward to pat him on the shoulder, Luo Leye just woke up from the shock. He looked back at the security guard's uneasy expression, forced a smile to respond, and then he walked quickly to the employee toilet in the bank, and sat on the toilet seat. He slowed down for a long time regained his sanity a little; he remembered the