Rebirth in 1980, the rise of the golden age

Chapter 334: Fighting for Loans

"Mr. Li, I came here today to apologize to you. It was my negligence in my work that caused a misunderstanding between us. Now I formally apologize to you and hope you can let bygones be bygones."

Before coming, Guo Weiye had already made up his mind. Since he had come in person, he might as well put on a full show and give Li Youcai a way out.

"As for President Guo, he's in that position and is responsible for the credit union. This is his job, so there's no question of a misunderstanding."

"Please take a seat, both of you." Li Youcai said, "Bring some tea."

Pengfei glanced at Wenjun and knew in his heart that the other party was the bank representative who was competing with him for business.

Pretending not to know him, he asked, "Who is this?"

"Hello, I'm Wenjun, the president of the Taihe branch of the Agricultural Bank of China." Wenjun introduced himself directly, his aura not at all false.

Li Youcai didn't want Pengfei to be caught in the middle, and he was very firm when he rejected him yesterday.

I didn't expect Pengfei to bring Guo Weiye here today.

Li Youcai simply said, "I invited Wenxing here to discuss the loan."

"Mr. Li, can we talk for a moment?" Pengfei asked with some hope.

Guo Weiye also understood that if he let Wen Jun succeed, not only would he have to move in, but he would also be unable to undo the situation.

Therefore, Guo Weiye hurriedly said, "Boss Li, how about this? Let's find a place and have a good chat. I came here with great sincerity this time and I will definitely not let you down. What do you think?"

Pengfei and Guo Weiye both wanted to take Li Youcai out for a private chat.

Everyone knows the purpose, which is to get the loan back.

As for the means, Wen Jun knew without even thinking about it that it must be a rate cut.

Especially Guo Weiye's performance. In order to win Li Youcai away, he almost wanted to write the word "low interest" on his face.

But Wenjun was not afraid at all.

Instead, he took the initiative to look at the financial manager and said, "Mr. Li, I heard that your factory produces bread mechanically. I'm still curious about how this bread is made. I'll go out and take a look while you guys chat."

To be convenient for others is to be convenient for yourself.

Li Youcai was quite impressed by Wenjun's actions.

"Okay, I'll ask someone to take you around."

Li Youcai called a staff member from the office area and took Wenjun outside to visit the factory.

Only Guo Weiye and Pengfei were left in the office.

Without outsiders present, Guo Weiye spoke much more freely.

"Mr. Li, I brought the materials you submitted last time with me." Guo Weiye opened the briefcase he carried with him.

Take out the stack of loan documents.

"To show our sincerity, we can give you a 50% discount on the original loan interest rate!"

50% off.

At this time, financial institutions did not have a clear management system, and there was no standardized range for loan interest rates.

Li Youcai and Pengfei agreed on an annualized interest rate of 10%, to be settled semi-annually, for a total loan period of 5 years.

Repay the principal upon maturity.

Now, Guo Weiye offers a 50% discount whenever he asks for one.

The interest rate directly became 5%, which means that the interest paid this year was reduced by 5 yuan.

The sincerity is indeed great.

"How about it? As long as Mr. Li signs a few signatures, this loan contract will take effect immediately, and the loan will be available within three days." Guo Weiye quoted his price and looked at Li Youcai.

Fifty thousand yuan a year is not a small amount.

The annual rental income from the farmers' market is about this.

Li Youcai was indeed a little moved.

"President Guo, the conditions offered are indeed very attractive, but you have seen the current situation. I cannot go back on my word. I have to wait for a result here." Li Youcai shook his head slightly.

Guo Weiye didn't give up and continued, "A loan? After all, this is a business. If it's a business, isn't it normal to compare prices from different suppliers? I believe President Wen will understand. Besides, Huaxia Agricultural Bank's time in Taihe is too short. Our credit union is a large and powerful company. Choosing us is definitely the best choice for President Li."

"Since we're comparing prices from three different companies, why don't you wait a little longer, President Guo, and let President Wen come up with a decision before I make my decision."

"this..."

Guo Weiye didn't expect Li Youcai to use his words and just perfunctorily answer him. He then turned his gaze to Pengfei next to him, wanting him to say something too.

Pengfei saw this and said, "Mr. Li, this interest rate is already very low. I dare say that no bank in Taihe can offer a lower interest rate than this."

"Maybe you're right, they can't offer a lower interest rate than this. But I hired them, and I won't sign a loan agreement with you until they come up with a final plan. Otherwise, it wouldn't make sense."

this...

Li Youcai had already said so much, and Pengfei once again felt Li Youcai's determination.

At the same time, Pengfei was puzzled by Li Youcai's persistence.

"Mr. Li..."

Guo Weiye wanted to say something else, but was stopped by Pengfei who gently pulled him.

"Mr. Li, you have seen our sincerity. If you miss this opportunity, you may not be able to get this store again. Please think about it carefully." Pengfei said.

"I've just said that I won't make a decision until President Wen gives me a result," Li Youcai reiterated.

"In that case, we also respect Mr. Li's opinion. Let's go back first and wait for your reply, Mr. Li." Pengfei pulled Guo Weiye up and said softly.

"Mr. Li, please think about it carefully..." Guo Weiye said again.

"I'll see you two off."

Li Youcai stood up to see them off and walked them all the way out of the factory gate, which was considered to be giving Pengfei enough face.

Leave the bakery.

Guo Weiye looked at Pengfei and said unhappily, "Why didn't you say a few more words just now? Why did you pull me out?"

"You saw what happened just now. With Wenjun here, even if we lower the interest rate, he won't agree immediately. It will only make us more passive. Instead of wasting time, we might as well make our position clear and go back to wait for him to come to us." Pengfei explained.

"But what if he signs with the Agricultural Bank of China? How can you be sure that he will come back to us?" Guo Weiye asked.

"I know about the Agricultural Bank of China. They are collecting deposits in the city, and the interest rate they offer to depositors has reached 4.2% for three years. It is impossible for them to offer an interest rate lower than ours. He is a businessman, how could he not figure out this account?" Pengfei said.

Hearing this, Guo Weiye smiled.

"it is good!"

"This is called knowing yourself and knowing your enemy. Now I feel relieved."

······

After Pengfei and the others left, Wenjun returned to Li Youcai's office.

He said to Li Youcai with a smile, "If I'm guessing correctly, President Guo must have given you, Mr. Li, a very low loan interest rate, right?"

"President Wen is amazing. He guessed it right on the first try."