"Song Wenbin, I seem to have heard this name somewhere."
The middle-aged man in a suit in front of him was holding Song Wenbin's information, looking thoughtful.
Song Wenbin sat on the chair and moved his buttocks, feeling a little embarrassed. After visiting three banks, this was the first bank where the loan officer said his name sounded familiar.
To be honest, since the polar special was filmed, he now doesn't want to be recognized by others at all. Everything that happened in the polar regions and the ugly moments when he was exposed, even if he recalls it, he will feel a sting in his heart.
But fortunately, the other person's age did not seem to be within the radiation range of the extraordinary journey. The loan officer just thought about it and did not pursue this faint sense of familiarity more deeply.
"Mr. Song, we have all seen your information, and it is quite good. To be honest, being able to get a high salary of 50,000 yuan a month in S City is enough to show that you are a very capable person. But I still I don’t quite understand why you come here to apply for a loan.”
"As long as it's still because of the epidemic, the factory at home can't turn around." Song Wenbin said: "Now there is no money to purchase and purchase goods, so... I have no choice but to come to the bank to see if I can Let’s get the factory running again first.”
"I understand. This is included in the information you gave us."
The commissioner said: "But what we are evaluating is not the past, we are evaluating the future. To be honest, it is very difficult for this kind of small family business to survive in today's era. I think even if I don't say these words, you will That’s understandable, isn’t it?”
"Yes, I know." Song Wenbin sighed.
"To be honest, I have evaluated your production model and it is very outdated. If you continue on the previous route, I think it will be difficult for us to lend you money." The commissioner regretted.
"Yes, I have seen this, so I decided to terminate the previous business model and turn to online sales, but all this also requires a start-up capital, firstly to repay the previous losses, and secondly, Transformation also requires funds, but it is not much, only one million is enough." Song Wenbin said: "Please believe in my solvency."
"That's right, Mr. Song, I don't believe in your solvency. To be honest, one million is not much, but according to my past experience, we are very, very cautious when making loans to live broadcast companies, because It is easy to create the risk of bad debts. After all, it is not 18 or 19, and the trend is no longer there. We must not only consider the current solvency, but also the stability.”
"this……"
Song Wenbin was a little embarrassed.
To be honest, he visited several banks, and they all said the same thing. Although they were very optimistic about him, they were not willing to give him a loan.
Unwilling to give up, he said: "I just need to get through this period of time, find a suitable profit model, and complete this transformation."
"Then why wait until you complete the transformation before seeking loan services? We welcome you back at any time." The specialist said apologetically in a very professional manner: "Sorry, I haven't seen a stable and long-term profit model yet. Please Please understand."
"Okay, I know."
Song Wenbin put away the information, reached out and shook the other person's hand, "Thank you for taking the time."
"it's okay no problem."
The commissioner shook hands with Song Wenbin skillfully.
"By the way, I seem to have heard your name somewhere. What position do you hold in the SEAL Company?"
"My name is very popular." Song Wenbin said, "It's the same as my job, nothing special."
…
After leaving the bank, Song Wenbin sat back in his BYD, somewhat depressed, lit up a cigarette, and started smoking. Since traveling, because he was too focused on work, he sometimes forgot to smoke when he was so busy, but now he couldn't help but light one.
It's really difficult.
I want to ask the bank for a loan of one million.
His house in City S has not yet paid off the loan, so it cannot be used as a mortgage. He would never dare to use his old house as a mortgage. What the hell would happen if the business is not completed and the house is gone? His parents would have to go to S city to live with him.
Such an ending would be too tragic even if you just think about it.
However, if he cannot get a mortgage, he must come up with some practical and effective methods to convince the loan officer that he can indeed make a profit and repay the loan. However, the continuous obstacles made Song Wenbin have self-doubt.
What about encouraging entrepreneurship as promised? Is it true that bringing goods cannot constitute a long-term and stable profit model? Why are these specialists so unfavorable to him?
While he was smoking, the phone rang and Song Wenbin answered the call.
"Xiao Song."
It turned out to be Lao Zhangtou. He said in embarrassment: "The raw material factory asked us to remit money to him. Have you reached an agreement with the bank now?"
"When do they want it?" Song Wenbin asked.
"We need it now. We say we need it urgently, but we have been delaying it for a long time."
"Have you sold those unused production lines?"
Song Wenbin asked again.
"According to what you said, it was sold for 100,000 yuan." Old Zhangtou said, "It has been remitted, but there is still more than 600,000 yuan left."
Depend on…
It only sold for 100,000 fucking yuan, it’s so cheap!
Song Wenbin groaned inwardly.
"Okay, I understand. You don't have to think about money. I will give you an answer later." Song Wenbin said.
Hearing Song Wenbin's calm voice, Lao Zhangtou felt relieved and said, "Then I and the people over there will go back."
After hanging up the phone, Song Wenbin threw away the cigarette butt, sat in the car and rubbed his head. Day by day, he was living an unhuman life. Although his salary is very high, his working hours are short after all. Before he could save enough savings, it cost him more than 70,000 yuan to compensate the workers. Where can he get the 600,000 yuan now...
Now he is beginning to miss the first season of Extraordinary Journey. At that time, he got money every time he finished filming an episode. Unlike this season, the rewards after every filming were just frivolous things.
Six hundred thousand
Six hundred thousand
Six hundred thousand…..
Song Wenbin hesitantly took out his mobile phone and flipped through his address book.
First he turned to Ma Qiang's profile picture and stopped.
Ask Ma Qiang to borrow?
Song Wenbin didn't mind.
But this amount was too big. If it was only 50,000 or 60,000, he would definitely have spoken without any hesitation, but 600,000, where would Ma Qiang get the money? His second-hand car business had only picked up for a few days.
Song Wenbin looked through the list of friends again and found that the people he knew before were all poor buddies who were not as good as him. It would be a shame not to ask him to borrow money, so how could he borrow 600,000 yuan from him.
Suddenly, Song Wenbin's finger stopped on a GTR avatar.
Huo Yu...
She must be very rich.
The income from the dragon farm, the seal’s salary, and the money to film the first season...
If you ask her to borrow 600,000...
As he thought, Song Wenbin scratched out her profile picture indiscriminately, feeling his face burning fiercely.
It was too shameful to ask Huo Yu to borrow money.
She will definitely look down upon her.
Somewhat strangely, his finger stopped on the head of another white-haired cartoon head.
Sutina...
It stands to reason that she is also very rich...
She won the grand prize after filming the first season. This guy doesn't look like someone who spends money carelessly. He should be worth millions.
But as he thought, he thought again of that extremely ambiguous moment on the polar carriage.
"...Do you want me to help you pay it back together..."
Song Wenbin almost didn’t commit PTSD.
He threw away his cell phone and sat in the carriage, breathing heavily, sweating all over his body.
No, no!
What are you thinking.
It's complicated enough, it can't be more complicated.
After finally recovering, he took a tissue and wiped the cold sweat on his forehead, gritted his teeth, and drove all the way to the Agricultural Bank of China next door.
ten minutes later. Song Wenbin came out of the Agricultural Bank of China again and sat in the car with a dejected look.
There is no doubt that all four major banks have tried, but no one is willing to lend him money.
After smoking for a while, he said to himself, "Song Wenbin, Song Wenbin, you have run away from so many banks, how can you still be embarrassed and ask your colleagues to borrow some money? The more embarrassed you are, the more embarrassed you will be. Does it mean there is something wrong in your mind? If you ask me, just treat Huo Yu as a bank and borrow another loan. Anyway, you are innocent, so what are you afraid of?"
After muttering to himself for a while, Song Wenbin calmed down. He took a deep breath, picked up the phone again, and clicked the voice call button under Huo Yu's phone with trembling fingers.
After a while, the call was connected.
"Um?"
Huo Yu over there expressed his question in the most concise tone.
"you……"
Song Wenbin was stuck.
There was silence.
"Huh? Talk." Huo Yu asked before Song Wenbin could speak.
Song Wenbin hung up the phone at the speed of light, sat in the car and panted.
I made a mistake, I couldn't say it at all.
No wonder every time Ma Qiang asked him to borrow money, he would first say "are you there" and then ask him to borrow money in text.
"Are you free now?" Song Wenbin asked via text, and he felt much more comfortable.
"What for?" Huo Yu replied.
"I want to discuss something with you." Song Wenbin said.
Toot toot.
The phone rang.
It was Huo Yu who called, and it seemed like she didn't want to type.
With extreme helplessness, Song Wenbin had no choice but to answer the phone and bite the bullet.
"Speak, I'm pounding the iron."
Huo Yu said briefly.
"I...I...that I recently..."
"I need to borrow money." Huo Yu said simply.
Song Wenbin almost cried. It was too outrageous. Was his intention so obvious?
"Yes." He said with shame, "I've been... having a little difficulty recently."
"Hahaha."
The other person laughed.
Song Wenbin felt very embarrassed, this guy! He wouldn't smile when Ma Qiang asked him to borrow money, it was so unscrupulous! !
With the heavy sound of the barbell hitting the ground, Huo Yu said happily: "The misogynistic anchor asked the woman to borrow money."
"Yes." Song Wenbin gritted his teeth and admitted in pain.
"Hahahaha." Huo Yu laughed again.
"Why are you laughing!?" Song Wenbin couldn't help but was a little angry.
"Look at you like this." Huo Yu on the phone said disgustedly: "The first time I saw you calling someone after get off work was to borrow money, are you sorry?"
Song Wenbin:......
"Indeed...I'm sorry. But..."
"A fishing competition is being held at Longchang. There is a prize. Do you want it?" Huo Yu asked.
Song Wenbin:......
"If you want money, come and get it yourself." Huo Yu said before Song Wenbin could answer.
(End of chapter)
