Lu Fan didn't expect that Mi Guiren, who came to ask for a loan, not only failed to get the loan, but was forced to pay back the money first.
It's just that the excuse made by this Governor Qi is really poor.
For a large enterprise with total assets of more than 1 billion, a loan of more than 200 million is really not a risk.
In financial terms, the asset-liability ratio is only over 20%, which is nothing at all.
Obviously, the bank is deliberately looking for trouble.
Sure enough, Mi Guiren was very angry: "President Qi, these loans of our Mi family have mortgages that are far beyond the value, and the interest has always been paid normally. Why do you say that we are risky?"
"These are the results of the review by superior leaders, and there is nothing I can do about it." President Qi said in an official tone.
In fact, as the vice president of Lianhai Branch of Hua Xia Bank, how could he not know whether there were any risks in Mijia's loans?
But that's what happened. When their bank was preparing to deal with the Mi family, they could always find some excuse.
"If your bank feels that our Mi's assets are non-performing assets, we will consider not using your bank for any funds or anything else in the future. Anyway, there are so many banks, and missing one of yours will not have a big impact."
Since Hua Xia Bank had no sincerity, Mi Guiren was not willing to continue to be conciliatory, so he directly took out his trump card.
For banks, the existence of a large enterprise is not only about earning interest on loans, but also the flow of funds.
This is especially true for companies like Michaelis, whose annual capital flow reaches billions. Even though the money only passes through the bank's account, it is of great help to the bank's deposit tasks.
Therefore, when Mi Guiren said that he would withdraw all the Mi family's capital business from Hua Xia Bank, President Qi also felt a little heartbroken.
Mijia's funds account for a large proportion of their bank's entire deposit business. If they lose this business for no reason, they will be a little uncomfortable.
But soon, he recovered.
These things had been anticipated when they decided to deal with Mi, and they had already taken preventive measures in advance.
Neither President Qi nor President Xu who was hiding were fools. They couldn't have known that if they refused to give Mi a loan, they would definitely force Mi out of their bank.
They still do it because it will bring them greater gains.
Therefore, President Qi is also very tough.
"It's up to you which bank you go to for M's business, but the loan must be repaid. This is the prerequisite for everything!"
His meaning is also very clear. You Mi's can leave if you want, but you must pay off all the loans before leaving.
Mi Guiren was so angry that his teeth itched, but there was nothing he could do.
In the real world, rich people are the boss. In most cases, banks are very polite to entrepreneurs like them. However, if banks really want to target a company, they will definitely make that company very uncomfortable.
Mi Guiren felt very uncomfortable now.
The repayment period agreed by the company has not yet reached, and they will not have any funds in their account for the time being, so if they really want to break up with the bank, they will really not be able to repay the loan for a while.
While he was embarrassed, Lu Fan, who had been silent, finally spoke.
"All loans have contracts. If you do this, it should be considered a breach of contract, right?"
Of course, the loan has a contract, otherwise there would be no such thing as loan time.
However, contracts like this usually include some small clauses, which basically mean that if some problem occurs, the bank has the right to withdraw the loan in advance.
These small clauses are mainly to protect the interests of the bank, but sometimes they are also exploited by the bank.
Now is one of those times.
President Qi glanced at Lu Fan coldly: "Of course there is a contract, but the contract states that if we find that the risk of this loan is too high, we have the right to withdraw the loan in advance, so when we do this, we are completely acting in accordance with the contract .”
Since they have to choose to deal with the Mi family, they will naturally consider all situations in advance.
After all, Mijia also has great influence in Lianhai City. It doesn't matter if you deal with one Mijia. The key is that this attitude will affect other companies.
If the vast majority of companies in Lianhai City think that Hua Xia Bank can do whatever they want to the company, then it will become more difficult for Hua Xia Bank to do business with the company in the future.
But Governor Qi is a veteran at playing with these things, and he is very comfortable in handling this kind of thing.
He plans to break the news today, saying that there are big problems in Mi's business, the capital chain is broken, and the bank is also preparing to call back the loan.
By that time, Mi's market value will definitely plummet. By then, Mi's loans will really become risky loans, and it will be very reasonable for banks to come forward to call back the loans.
And they are not afraid that Mi will repay the loan. After all, Mi's loan is mortgaged with fixed assets. If the loan is not received, the bank will take away Mi's real estate rights. For them, it is a profit.
"So, you must force Mi to death?" Lu Fan asked.
"How is this possible?" Elder Qi Xing was cunning and would certainly not admit this statement, even though this was actually their real purpose.
"What we have to do is just to protect the interests of the bank. As for Michael, whether he went to another bank or went bankrupt because of this, it can only be said to be due to market rules and has nothing to do with our practices."
Mi Guiren's face was livid. He had already seen that the bank guys didn't simply want to take back their Mi's loan. These guys simply wanted to destroy Mi's.
Although the Mies body is very large and cannot be destroyed so easily, it will definitely be damaged by their tormenting.
Now the Mi family is second only to the five major families in Lianhai City, but after all the troubles, the Mi family may return to the previous model of small shops and workshops.
Mi Guiren has no intention of staying here anymore and talking nonsense. He really wants to go home quickly and find the real core of the Mi family, his father Mi Lao, to discuss how to deal with this incident.
It's a pity that Lu Fan didn't seem to understand his thoughts at all, and he was still talking to President Qi.
"Well said, I also believe that everything in the market should follow market rules."
Lu Fan smiled and clapped his hands: "For example, if your bank suddenly suffers a huge loss, will it affect your position as the seventh president?" President Qi frowned and his voice sounded very unhappy: " What do you mean? Do you want to threaten me?"
