"Hey, Li Ji!"
A cheerful voice came from the other end of the phone, and Wan Daming seemed to be in a good mood.
"Uncle Wan, are you busy?"
"It's okay, it's okay," Wan Daming sighed, "I've been really stressed out these past few days, and I'm almost worried to death! But fortunately, I've finally sorted out the matter of redeeming the company's maturing bonds."
Li Ji listened carefully while thinking about how to say this.
"Li Ji, it's really thanks to you this time. You have done a great favor to my uncle!" Wan Daming said loudly, "If it weren't for that 100 million, I really don't know where I would get such a large sum of money! Listen to me My sister-in-law came back and said that the loan from CCB can be repaid at a later date, right?"
Li Ji's heart was shocked, and he swallowed back the words that rolled to his lips. I felt extremely disappointed and felt cold all over.
"Yes, yes..." After a long silence, Li Jicai hurriedly replied, "I, I told the staff, but, it's okay..."
"Li Ji, are you okay over there? If the team really doesn't agree, I'll think of a way, or I can come forward and talk to your team." The sound of drinking water came from the receiver, and Wan Daming took a sip. He took a breath and said, "I haven't met your new president yet."
"It's okay, it's okay," Li Jiyou said bitterly, "Uncle Wan, don't worry, I'm easy to talk to in my profession..."
After a brief pause, Li Ji asked: "Uncle Wan, are the group's funds really so tight?"
"Hey, it might be worse than you think," Wan Daming's voice deepened, "If I hadn't found Mayor Wang and he personally came forward, and several major banks agreed to postpone the repayment, I might not even have the Marriott Building. We have to make room for others..."
"As you know, the trading company has been in constant trouble. I managed to collect more than 30 million yuan, and first gave it to a few suppliers with large debts to appease them and let them withdraw the lawsuit first. ...
"But it's just a drop in the bucket. What should I do next? I have no idea at all..."
In an instant, Li Ji felt cold to the core and was speechless for a long time.
"However, don't worry too much," Wan Daming comforted. "This month, several major projects of the group have been negotiated. Transfers, transfers, joint ventures, but the funds are not coming in so quickly."
"That's good, that's good..." Li Ji forced a smile.
"I will definitely repay your 100 million in one or two months at the latest!" Wan Daming said simply.
In another month or two? !
Li Ji wanted to cry but had no tears.
For a moment, it was like swallowing eight bitter melons, and my face was full of helplessness.
My dear uncle, I can’t wait even for a day, let alone a month! If I had waited for your money to arrive, my cucumbers and vegetables would have been cold for a long time, just waiting to be collected.
"Oh, then..." Li Ji muttered, summoning up his courage, "Uncle Wan, can you pay back a little first, such as 20 million, 30 million..."
"What?" Wan Daming was stunned, "Is it the requirement of your industry?"
"No, no..." Li Ji didn't know how to reply, "I, I just said this... I think it might be better to pay back part of it first..."
"Well..." Wan Daming responded and didn't speak for a long time.
Li Ji was in a state of confusion and regretted what he had just said.
"If you don't tell me, I also know that it would be better to pay back a little first," Wan Daming finally said, "Everyone comes to me to ask for money, but the group's funds are really tight right now. It makes people laugh when I say it. I can’t even get out five million in cash..."
At this point, Wan Daming stopped, his voice choked up.
"You also know that the 100 million to redeem the corporate bonds was given by the partner," Wan Daming continued, "Uncle Wan, now there is only an empty temple left, a poor monk with nothing. Every penny spent I have to make money by asking for alms from everywhere..."
Wan Daming's voice was old, with a sense of twilight as the sun set over the mountains, and Li Ji couldn't help but feel sad.
"Hey, it's okay, it's okay! Uncle Wan!" Li Jiqiang smiled happily, "Don't worry, I just said that, it's fine if you don't pay it back yet..."
"Oh, I think so," Wan Daming was silent for a moment and sighed, "Next month, no matter what happens, even if Uncle Wan sells iron, houses and land, he will pay you back the 100 million first, okay?"
"Okay! Okay! No problem!" Li Ji calmed down and seemed to have used all his strength, "Uncle Wan, don't worry. Don't worry about the money, you can pay it back slowly!"
Regarding Wan Daming's words, Li Ji had nothing to say.
Pay it back slowly. Anyway, I don't know where I am now, so I don't care about the second uncle's loan.
"Li Ji, you don't know how much trouble this kid Wan Cheng has caused," Wan Daming's voice was full of sadness and helplessness, "This company is almost ruined by him..."
A heavy sigh came from the phone: "Uncle Wan is going through the most difficult time now. If things go wrong, the company will close down..."
"Uncle Wan, how could this happen? If you survive a catastrophe, you will be blessed later..." Li Ji searched for words to comfort Wan Daming.
"Unfortunately, my uncle has long thought about it. It is not easy for the Marriott Group to develop into what it is now. I can't let it fail..." Wan Daming said in a difficult tone, "Brother Wan Cheng is no longer here. , this time, it’s all thanks to your help..."
"I..." Li Ji was startled and opened his mouth wide, but no sound came out.
"Okay, I have a visitor here..." Li Ji heard the footsteps and voices, "Uncle is old, Li Ji, please come and see your uncle when you have time..." ."
"Okay, okay, Uncle Wan, I will definitely go..." Li Ji's eyes were hot and he almost shed tears.
The phone was hung up over there.
Li Ji held the phone, his eyes dull, like a wooden person.
After a long time, he put down his phone. Sit down in front of the computer, silently clean up the documents, and close the computer.
He sat quietly for a while, thought for a long time, and decided to look for Cui Hao again. See if you can extend the loan, or give yourself a little more time.
When I walked to Cui Hao's office, the door was closed. Li Jidi calmed down, took a deep breath, and knocked on the door gently.
No one in the room answered, and no movement was heard.
After waiting for a while, Li Ji tried harder and knocked again, but still no one listened. He pushed the door hard and found that it was locked.
Just as he was wondering, he saw Xiaomiao coming out, glanced at Li Ji, and smiled: "Mr. Li, you are looking for Mr. Cui!"
"Well," Li Ji nodded and stepped back unconsciously, "Mr. Cui isn't here?"
"Mr. Cui is on a business trip to the province," Xiaomiao said. "It may take two days to come back."
"Okay, let's wait until he comes back."
Li Ji nodded, turned around and walked back. I felt relieved and disappointed at the same time.
He walked slowly to the stairs.
The wind blew in through the half-open window and was very cool. On the roof of the building not far away, a few pigeons screamed "coo" and jumped around...
Li Ji stood in front of the window for a while, thinking hard in his mind. After a while, fine beads of sweat began to appear on the temples.
He clenched his fists, took a few deep breaths, and walked down the stairs.
Li Ji decided to go to Governor Tao.
He hesitated, eyes solemn, step by step, legs slow, and finally reached the seventh floor.
The door to Tao Ping's office was ajar, and it was quiet inside.
Li Ji stood in the corridor at the entrance of the stairs, stared at the door for a while, gritted his teeth, and walked to the door.
Hearing the noise, Tao Ping, who was buried in a pile of documents, raised his head. When he saw Li Ji, he was startled at first, then raised the corners of his mouth and smiled: "Oh, it's Li Ji, come in quickly."
That long-lost friendly voice made Li Ji feel a little dazed and uneasy.
In front of him was still the amiable and considerate Manager Tao. Li Ji's heart felt hot, and most of the hatred and grievances he had filled with him seemed to have gone away at once.
"Come, sit down!" Tao Ping stood up and greeted.
Li Ji trembled, feeling flattered. It was like a child who had done something wrong was unexpectedly forgiven by an adult.
Li Ji sat down next to the sofa and looked at Tao Ping a little excitedly.
Tao Ping sat down behind his desk again, took a sip from the tea cup at hand, and asked, "Xiao Li, is something okay?"
"Tao, President Tao," Li Ji thought. He had never been so nervous in front of President Tao before. "Can the repayment of the 100 million loan from the Marriott Group be deferred, or can it be repaid as a new loan?"
Borrowing something new and repaying something old is a common tactic used by banks.
When a customer has difficulty repaying the loan, or is unable to repay it at all, in order to conceal the true status of the loan and avoid bad debts on the statement, banks will often take the initiative to issue a loan of the same amount to repay the previous loan.
In this way, although the essence has not changed, the loan that should be recorded as bad debt has changed its appearance and become normal.
"Well..." Tao Ping's face darkened, and his eyes became wandering. He drank tea slowly and didn't speak for a while.
Li Ji felt uneasy and his face began to burn.
"If this had been left in the past, it wouldn't have been impossible..."
After being silent for a long time, Tao Ping finally spoke.
Li Ji felt happy, as if he saw a glimmer of hope.
"But......"
"Fuck your 'but'!" Li Ji was so angry that he almost cursed out loud.
"As you know, the provincial bank has tightened its loan assessment this year and requires that the bad debt ratio must be controlled within 1%." Tao Ping put down his teacup and his eyes darkened. "If this indicator is exceeded, not only will the entire province be notified of criticism, but also Employees’ performance wages must be deducted…”
Li Ji listened silently and had no intention of answering.
"If this loan cannot be recovered at the end of the month and becomes a bad debt, then the bad debt rate of our bank's loans this month will exceed 3%..."
Tao Ping's eyes moved back and landed on Li Ji's face.
"If that happens, not only will the performance of this quarter be gone, but the bonuses and performance at the end of the year will also be ruined..."
"President Tao, just extend it for one month!" Li Ji stood up and looked at it eagerly, "Next month, just next month, I promise to let the Marriott Group pay it back! With capital and interest, every penny is worth! "
"Next month? That's easy to say!" Tao Ping raised his eyebrows and his face sank, "Then what should I do this month? Drink the northwest wind!"
"Then, the exhibition lasts for half a month?" Li Ji was anxious. He suddenly stood up from the sofa and couldn't help shouting, "How about ten days! Ten days is fine too!"
"Half a month? Ten days?" Tao Ping curled his lips and snorted, "Not even one day!"
"I have to be responsible for all the employees of the bank!" Tao Ping said earnestly, like a kind old father to his beloved son, "If by then, everyone can't get the money, they must not scold me as the president. Ah! It would be strange if my wife and children didn’t block my door!"
"Then, how about borrowing the new and paying back the old?"
Li Ji's voice trembled and he stared straight at Tao Ping.
This is his last life-saving straw, and he must grasp it.
"Borrow new and pay back old?" Tao Ping had a sarcastic smile clearly on his face, "It was possible before, but now the Provincial Bank's Credit Department has a requirement, and in principle it's not allowed..."
Seeing that Li Ji was anxious to interrupt, Tao Ping waved his hand: "Besides, regarding the current situation of the Marriott Group, the provincial bank has issued an internal notice prohibiting the formation of new loan scales to the Marriott Group..."
Finally arrived at the Yellow River.
Li Ji gave up and was desperate.
His legs weakened and he staggered back to sit on the sofa.
Wooden.
