Blackstone Code

Originally, Lynch's idea was to speed up and acquire those factories.

These factories are still cumbersome in the eyes of many people, but Lynch does not think they are cumbersome. On the contrary, he has found a way to use these factories to make money for him.

Sometimes capitalists... No, capitalists are not as good at this "money for money" game as Mr. Lin. Only people in his field can understand how to use a hundred dollars to satisfy more people who want to have a hundred dollars. satisfaction and desire.

Although he can't inspect those factories and enterprises on the spot during this period of time, he can do the investigation first.

In the morning, after bidding farewell to Vera, Lynch went directly to the Sabine branch of Jinhui Company. This is a bank directly under the city level, not the kind of branch in every street.

The president of the bank personally received Lynch. Lynch is now a major customer of Jinhui Bank. His rank in the bank has been raised to the third rank below that of the main members of the board of directors.

The president of the branch is not as high as Lynch in terms of status inside the bank, so he took the initiative to welcome him outside the bank.

When Lynch's motorcade slowly pulled over to the side of the road and the bank president shivered in the cold wind, he opened the door for him personally, when passers-by and bank employees looked at him with surprise and even envy and hatred , Lynch seemed to hear the voices of these people.

“It’s so damn nice to have money!”

"I didn't know you would pick me up in person, otherwise I would never have made this call."

Lynch, who got out of the car, took off the glove on his hand, revealing his soft, rosy right hand. When he stretched out his hand, the president of the bank took his hand.

Maybe he didn't want his cold and hard hands to bring Lynch a bad experience, so he let go of his hands, the smile on his face couldn't detect the fact that he was about to freeze, the red was shining There was a stream of green, which was frozen green, "This is what I should do. Both the state bank and the head office have issued documents. Thank you, Mr. Lynch, for your help to Jinhui in Nagalil."

Lynch is not the only senior executive of the joint development company who is on Jinhui's side on the Nagalil issue, but the bank cannot downplay the matter just because he is not the only one, that would offend people.

So they not only raised Lynch's level internally, but also actually issued documents. On the one hand, they told everyone that Jinhui had established a firm foothold in Nagalil, and the business volume had increased unprecedentedly. , but those who hesitated regretted it. On the other hand, they also mentioned the help Lynch and others gave to the bank.

If you have achieved this as a human being, you have far surpassed many people.

"We went in and said, it's too cold outside." Lynch patted him on the arm, and the president immediately agreed.

The two walked into the bank side by side. The moment Lynch stepped into the bank, almost all the staff wherever he looked stopped their work and stood up to look at him.

This also caused some people who were doing business in the bank to stand up in a daze, thinking that when those people passed by here later, would they have to imitate the people in the bank? Bow or something?

Fortunately, this kind of thing didn't bother everyone for too long. The president directly took Lynch into the elevator dedicated to the president and went upstairs. Bank branches and state banks in various places have been learning from others in some aspects. For example, some An elevator that is not usually used by ordinary people.

After entering the warm room, the president's condition seemed to have eased a lot, and his face returned to normal. He personally brought a cup of coffee for Lynch, and then sat beside Lynch, "Mr. Lynch, what's the matter?" Can Jinhui help you?"

He didn't use "I" or "Sabine City Branch", but directly used the name "Jinhui", because he and the regional branch couldn't represent the attitude of the whole bank at all.

Lynch talked about the purpose of his trip very directly, "I hope to check the funds and debt situation of some companies..."

The president of the bank was stunned for a moment. A company's business situation, debt situation, and asset situation are related to whether the company has money or not. Three institutions will file at the same time.

The first is banks. Businesses cannot do without the support of banks. Whether it is deposits, remittances or other financial-related businesses, they cannot do without banks.

The second agency is the tax bureau. No one knows better than them how many accounts a company has, how much money is in the accounts, how many liabilities it has, and the nature of each sum of money.

The third institution is the local social service bureau, which is responsible for the registration and continuation information of enterprises, which also includes certain, but not much, business conditions.

This information is not actively disclosed to the public, nor is it supported for personal review. After all, it involves very confidential issues for many companies. There are also corresponding federal bills to support the three agencies to keep this information confidential until necessary. With the consent of the party concerned, it will be disclosed to the public to a limited extent.

To be honest, this was the first time that a president had encountered Lynch, who said so openly that he wanted to check the funds and debts of these companies. He had never even heard of it before.

"This doesn't seem to be in compliance with the rules...", the bank president explained with a wry smile, "There are regulations in the bank. This is information that is not accessible to the public. We need to apply for an administrative order, which cannot be approved in a short time. Moreover, we also need to notify those head of the business."

Lynch didn't care, "You can make a phone call to ask, but please believe me, it's better to show me those documents instead of making this phone call."

The president hesitated, he could understand Lynch's words, he felt that there were some unruly questions and he responded to them, but what about the people above?

Not all the state banks are the ones who can make the decisions, and they have to continue to respond upwards. In the end, they will toss for a long time because of things that have nothing to do with them. People above think it's not flexible enough.

It's not good to toss about. As the first person who comes into contact with this matter to declare, he may be hated by Lynch, or be considered incompetent by the president below, so it's not good to report this kind of thing, and it's not good not to report it, Lin Qi Qi's words put the president in a dilemma.

"It's just some inconspicuous companies. After I acquire them, they will be mine. I'll check the funds and debts of my own company in advance. There should be no problem, right?"

Lynch's words and his attitude were not aggressive, but seemed to be discussing, and the chief executive could feel that there was a kind of toughness behind this seemingly gentle.

He was thinking, and Lynch didn't bother him. After about half a minute passed, he sighed, "I hope Mr. Lynch won't tell other people about this, it's really not in line with the rules!"

A thing that does not conform to the rules has been repeatedly reiterated not that it really violates some people's principles, but that the president has made a decision at this time and is emphasizing his own role.

Lynch nodded slightly, "I know that another person may not understand what I mean, anyway, thank you very much for your cooperation..."

Not long after, the president personally went to fetch some documents for Lynch. These were the files of the companies requested by Lynch, which recorded the deposits of these companies in the bank's corporate accounts, the flow of funds, whether they had debts, and whether they had mortgages. and so on.

If they take a loan from a bank, the larger the loan amount, the more detailed the information will be. Banks will never put themselves in danger. When they evaluate a business's current situation and may not be able to repay the loan, they Before the enterprise loses further and cannot repay the loan, it will file a lawsuit in the court, requiring the enterprise to return the arrears in advance.

In fact, this is very inconsistent with the loan contract. If it is not due, why should people return the money to the bank? Most people may think so, but banks also have their own methods.

During the loan process, the bank will mention some of the most basic issues to the company, and these issues will also be entered into the data and even the contract. One of them is "If the bank agrees to your loan, do you intend to use the money for Where".

Most people will say, I will use it to buy raw materials/purchase new machinery/build new assembly lines... etc. At this time, these answers become the simplest reason for the bank to collect debts-you did not lend the bank When your money is used for the purpose you stated to the bank, you violated the contract first, so the bank has a reason and the right to call it in advance.

Isn’t it crazy? What’s more, if the company protests and lodges a counterclaim, the bank will only ask one question and people will not be able to answer it—how can you prove that your consumption within the scope of consumption that is not allowed by the loan contract is not part of the loan? , is enough to give many people a headache.

And it is very easy for them to prove this. We are the bank, and we know whether you are using borrowed money or your own money.

That's why Lynch went to the bank to check the information, not the tax office, or the social services bureau.

"Thank you very much for your understanding and help..." Lynch expressed his gratitude and focused on these documents.

These enterprises are some small manufacturers of daily necessities, such as some pots, barrels, pots and other factories closely related to people's lives.

These factories all have complete assembly lines and skilled workers, and even their warehouses store a large number of tail orders and piles of raw materials. In addition to their assembly lines, the value of these things has far exceeded the market value of these companies. It’s also a good time to acquire them.

But the acquisition of these companies still needs to wait a while. While creating an opportunity for Ferrara, it is necessary to reduce the problems encountered in the acquisition, such as some people who bite the bullet and are unwilling to sell, or re-convert into shares.

Lynch carefully selected seven or eight suitable companies and took them out. The bank president also looked through them casually. He noticed that these companies had a certain amount of loans...