Chapter 655 Loan

After eating noodles, he washed the bowl.

Liu Ziyu came to the living room and said, "Brother, I've made up my mind. Let's choose a loan!"

"Have you decided?" Liu Tao looked calm, "Loans have to be repaid. If you lose money, you probably won't be able to pay it back in your lifetime."

Liu Ziyu said firmly, "I've decided. I will never regret it. I believe we will succeed."

Liu Tao nodded.

"Okay, you can go to the Kunshi branch of Xiangjiang Bank to apply for a loan." Liu Tao said calmly.

Liu Ziyu asked curiously, "How much can I get?"

"You'll know when you apply for a loan!" Liu Tao smiled and didn't tell Liu Ziyu.

The two large banks, Xiangjiang Bank and Standard Chartered Bank (Xiangjiang), are now spread across cities across the country and have extended to prefecture-level cities. There are branches of these two banks in all prefecture-level cities, and these two large banks also exist in Southeast Asia, South Asia, the Middle East, Africa, Japan, and South Korea, and have grown into large international banks.

The four banks, Hong Kong Construction Bank, Hong Kong Commercial Bank, Hong Kong Development Bank and Hong Kong Yonghong Bank, are located in the provincial capitals and key cities of various provinces in China.

These banks are very popular in the mainland with their strong financial resources and high-quality services, and they are developing very fast. In particular, private individuals and private enterprises often choose these six banks with Hong Kong backgrounds.

Because the staff of state-owned banks are like uncles, high above, with unsatisfactory service attitudes, and they don’t like to lend to private enterprises. Private enterprises often beg for loans, but they may not be able to get loans.

However, these banks in Hong Kong are different. As long as they meet the conditions, they will approve the loan amount.

Liu Ziyu chose the loan, and Liu Tao only needed to make a phone call.

"Brother, have you read our thesis? Can it meet the graduation requirements?" Liu Ziyu sat next to Liu Tao and asked curiously.

If the current situation of doctoral dissertations in China is taken into account, each of them would have published their papers in important journals long ago, and would have met the graduation requirements long ago.

Whether they can meet the graduation requirements depends on whether Liu Tao nods.

Liu Tao nodded slightly and said, "The graduation thesis is deep enough to meet the requirements for doctoral graduation."

Each of Liu Ziyu's class has at least ten papers.

Some of these papers were published in domestic journals, and some were published in foreign journals.

Although Liu Tao gave guidance, their level was already very high.

"Are you going back with me this time, or are you going back to Beijing first?" Liu Tao asked.

Liu Ziyu thought about it, "I'll go back with you then, and I can save the money for a plane ticket."

They are on winter vacation, and there is only one week before the Spring Festival.

There is no rush for this week.

The next morning, Liu Ziyu and Chen Nianzhen came to the Kunshi Branch of Xiangjiang Bank.

"Ziyu, we have nothing, can we really get a loan?" Chen Nianzhen took Liu Ziyu's hand and said nervously: "I heard that bank loans require assets to get loans, mainly state-owned enterprises can get loans, and it is difficult for individuals to get loans."

"And what if the loan cannot be repaid?" Chen Nianzhen's hands were shaking.

Her family is very ordinary. In recent years, she even needs to send money to her family to subsidize the family, so that the family life seems much more comfortable.

Although the two of them discussed before and wanted to start their own business, it was actually Liu Ziyu who was the main person.

But now they came to borrow money, she subconsciously felt that it was impossible to borrow money, and if she thought that she couldn't pay back the loan, she felt that the sky was about to fall.

Liu Ziyu said: "Don't worry, we can do it."

"How do you know if you don't try?" Liu Ziyu said.

Liu Ziyu took Chen Nianzhen's hand and walked into the business hall of the Kunshi branch of Xiangjiang Bank. This Kunshi branch of Xiangjiang Bank has a building here. The building has 15 floors and looks very impressive. The business hall is very large. There are many ATM deposit and withdrawal machines here, but more people choose to handle it manually.

Under the guidance of the staff, the two took numbers at the number machine and then sat down to wait.

Soon, it was their turn.

Liu Ziyu took Chen Nianzhen's hand and walked to the counter.

"Hello, ladies, what kind of business do you want to handle?" a young female staff member asked politely.

Liu Ziyu said: "Hello, I want to apply for a loan."

"Is it a company loan or a personal loan?" the staff member asked.

Liu Ziyu said embarrassedly: "We haven't registered the company yet, can we apply for a personal loan?"

"It depends on whether you have the conditions. Please fill in these forms." The staff member said, and then took a few forms through the window.

Liu Ziyu took a look, and then filled in the materials under the guidance of the staff member.

The staff member took the materials filled in by Liu Ziyu and entered the materials into the computer.

When the staff member clicked the review, his eyes widened and he was dumbfounded.

She couldn't help but look at Liu Ziyu carefully, then took the form and Liu Ziyu's ID card and stood up, walked out of the office area, and said politely: "Hello, ladies, please follow me to the third floor to handle the loan business."

Liu Ziyu was a little puzzled, but he and Chen Nianzhen followed the staff and went up to the third floor.

The third floor is an important office area, and only some customers can come here.

Customers here don't need to take a number and queue up.

The staff took Liu Ziyu and Chen Nianzhen to the branch president's office and knocked on the door.

"Come in!"

A man's voice came from the office.

The staff opened the door and took Liu Ziyu and Chen Nianzhen into the office. "President Qian, these two ladies want to take out loans. The system prompts them to come to your office."

Qian Weichao looked up at Liu Ziyu and Chen Nianzhen and smiled: "Sit down, please sit down!"

Qian Weichao got up from his office chair, tidied his clothes, and took the initiative to pour water for the two.

The staff were dumbfounded.

Although the president had just taken office, he was the president after all, and that was not something that ordinary people could get in touch with.

As a result, the president actually poured water for two girls who were about the same age as her and looked like college students.

I'm afraid that some leaders in Kun City don't have this treatment!

At this time, Qian Weichao seemed very enthusiastic. He received a call early in the morning, which shocked him, and then he arranged this matter immediately.

Unexpectedly, the person in question came to the door after only one hour of work.

Qian Weichao was very moved. How could he not perform well if such a big shot called him?

He was one of the first batch of people who went to study abroad at Xiangjiang University. He studied business administration and got an offer from Xiangjiang Bank before he graduated. As he worked hard, he was constantly promoted. This year, he was promoted to the president of the Kunshi branch of Xiangjiang Bank.

As the president of the Kunshi branch of Xiangjiang Bank, his annual salary is much higher than before. The high salary in the mainland can allow his family to live a very good life.

But Qian Weichao is ambitious. He is still young now. He is not willing to be the president of the branch. He also wants to be the president of a provincial branch, or even the head of the southwest region, or even the president of the head office of Xiangjiang Bank!