Chapter 1860: The Business World Is Different From the Jianghu

Zheng Haixia frowned upon hearing this, and seemed even more confused.

"If we don't put 300 million yuan in their bank, will they not cooperate with us?"

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

Speaking of this, Shen Dapeng couldn't help but laugh and said, "Haixia, this is how society is now. Without common interests, there will be no common cooperation, especially in the business field. A lot of cooperation is not because of interests that bring each other together?"

Zheng Haixia thought about it and nodded very affirmatively, "You are right, it is true."

"Although the words sound a bit cruel, the truth is like this. From ancient times to the present, the situation has changed, and everything is like this."

"Take the Industrial Bank for example, the last incident of Shenzhen Development Bank If it weren't for the help from the Industrial Bank, our money would still be in the Development Bank. From this point of view, we should thank the Industrial Bank. "

Shen Dapeng paused and smiled: "But if you think about it from another perspective, you will understand that there is no help or hatred without reason in this world. Why do they help us?"

Zheng Haixia thought for a while and said: "The 300 million yuan in our hands is placed in the bank. The interest generated every year is a considerable amount. They must be happy to absorb such a big customer as us."

At least she knows some of the bank's operating methods, so Zheng Haixia is more clear about these.

"The bank pays us a lot of interest every year, but they use the 300 million yuan to lend out, and the loan interest alone is quite a lot every year, which is much higher than the deposit interest we pay. The bank is equivalent to making money with our money, and the money earned doesn't fall into their pockets?"

Listening to Zheng Haixia's explanation, Shen Dapeng smiled and nodded, "You are right, that's right, so some people say that no matter which industry makes money, it will not make money as fast as the bank in the end. To put it bluntly, the bank is just making money out of nothing. We know this, but there is nothing we can do."

"The reason why the Industrial Bank is willing to help us is because they see the benefits our money brings to them, so they help us, and our financial company will be revitalized "As for what I just said, I now own several companies, and the assets of each company add up to more than 1 billion, so I said that I would lend 1 billion, which is justified." Shen Dapeng said this, with a hint of helplessness in his eyes, "So, under normal circumstances without interference from other factors, it is entirely possible to use my companies as collateral to lend 1 billion, but the reality is so cruel!" "Dapeng, I understand. 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 but interject. Shen Dapeng nodded, "Yes, after all, this is the first time they deal with us, and they will definitely consider the trust aspect. In addition, although the assets of each company are over 1 billion, how the company is developing, whether it is well-known, whether there will be unexpected situations in the development, resulting in a break in the capital chain, and being unable to repay the bank's loan, etc., these will become factors they consider."

"On the whole, they can give such a small amount of credit because of our cooperation, and it is within their risk control capabilities. After all, the bank also has to plan for itself, right?"

Zheng Haixia suddenly realized Dawu, "After all, this is the business world, and everyone is making money first. It's not like the underworld, where you can act on impulse and help at critical moments."

"Yes, some problems sound discouraging, but if you think about it clearly, it's just like that. It's normal. Anyway, thank you for your trouble this time."

Shen Dapeng's politeness made Zheng Haixia unsure of what he was thinking for a while.

After a pause, she still asked tentatively, "Dapeng, do you mean you still want a loan?"

Although the Industrial Bank only gave a quota of 200 million, after all, it's better than not to lend, right? Besides, with these 200 million, you can do something, right?

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

From the tone, this means that the 200 million loan is no longer needed. Zheng Haixia doesn't know what Shen Dapeng is thinking, but she still feels a little sorry for Shen Dapeng's decision.

But she didn't know that for Shen Dapeng, the 200 million yuan loan was just a drop in the bucket, and it couldn't solve the current large-scale and substantial development of various companies. Instead of this, it would be better not to use the 200 million yuan.

"It can be seen that the financial company has developed very well during this period. Apart from anything else, in my opinion, it is much better than Huang Bin's Feihuang Financial Company, right?"

Zheng Haixia heard Shen Dapeng shift the topic to the financial company and stopped talking about the loan, so she smiled slightly.

"It's really good. Not only do many buyers from the apartment building come here to apply for mortgages, but also customers from other newly opened buildings come here to apply for installment payments. Huang Bin's Feihuang Financial Company can't compare with us at all. It's already very good to have ten orders a month."

"That's fine. Thank you for your hard work during this period, but the company's development still needs you. You must take care of your health. In addition..."

Shen Dapeng paused here, frowning tightly, as if thinking about something.

"Dapeng, is there anything else I can help you with?"

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

"No, no, I just remembered what you said just now. Buyers from other buildings also came to our financial company to apply for loans?"

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

I am also the second largest shareholder of Zheng Peng Financial Company. If I continue to smile like this, I will be able to get more dividends at the end of the year.

The company's performance is proportional to the investment ratio of shareholders. The better the performance, the higher the shareholder's return. Therefore, Zheng Haixia is eager for the company's performance to improve.

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

However, what Zheng Haixia did not expect was that after hearing this, Shen Dapeng's expression not only did not show any joy, but he seemed even more worried.