"Extra! Extra! Hua's Agricultural Machinery Factory refuses to add collateral, and Jinqi Bank considers collecting loans! ”

"Extra! Extra! Banks may collect loans, and Fanjiazhuang's largest private enterprise is on the verge of bankruptcy! ”

In the teahouse, Han Youliang, the owner of Han's Steel Trading Company, was sitting in the teahouse drinking tea, but he heard the newspaper boy who walked into the teahouse shouting out the news that made his heart tremble.

Nowadays, the literacy rate of Fanjiazhuang is getting higher and higher, and more and more people can read the newspaper by themselves, and the business of newspaper readers is no longer good. Only a few teahouses still have newspaper readers' programs, and most have withdrawn the business to allow tea customers to read the newspaper on their own.

So Han Youliang didn't hear the newspaper reader read the news, but heard the newsboy on the street shouting the news.

When he heard the news, a cold sweat immediately broke out on his back.

He hurriedly walked to the door of the teahouse, took out two copper plates, and bought a copy of "Tianjin Daily" and the day's issue.

There was no news about the Fahrenheit Agricultural Machinery Factory in the main text of the newspaper, and the fierce news was all in the extra issue of the day. Han Youliang didn't even have time to sit back in his place, so he hurriedly opened the account and watched the content on it.

On the other side of the day was a special topic, talking about the difficulties faced by the three private enterprises in Fanjiazhuang, "Hua's Agricultural Machinery Factory", "Yan's Agricultural Machinery Factory" and "Hou's Dye Factory". The three companies are now also facing the dilemma of poor management, operating losses, and the shutdown of the entire plant. Not only that, but the three companies were also inspected by the bank, and the bank was required to add collateral because there was no operating income.

Yan's and Hou's companies had no ready-made collateral to increase, and in order to cooperate with the bank, they had to pledge their company's equity to the bank as collateral. But in any case, it can be regarded as surviving the difficulty of bank inspection.

The Hua's Agricultural Machinery Factory was more dangerous, and Hua Kefang refused the bank's request to increase the collateral. The friendly relationship between the bank and the Fahrenheit Agricultural Machinery Factory broke down, and now the Jinqi Bank could announce at any time that it would stop lending to the Hua's Agricultural Machinery Factory.

Seeing the detailed and well-analyzed newspaper number, Han Youliang only felt cold sweat coming out of his back one by one, and his round-necked kaftan was soaked with sweat after a while.

Han Youliang is Hua Kefang's old neighbor, and he lent 750 taels of silver to Hua Kefang in November last year, hoping to earn Hua Kefang's 8% interest. This money is not worth mentioning to Hua Kefang, but it is Han Youliang's savings for a lifetime.

His family of six has to live on this savings.

That is, he felt that Hua Kefang had done a good job in trading, and there was no risk in this loan, so he lent it out. At that time, the entire neighborhood raised money together, and together they gathered 10,000 taels and lent it to Hua Kefang.

A few tea customers next to him also bought newspapers, read them for a while and said, "Tut! Hua Kefang is in big trouble this time! ”

"Once the bank collects the loan, the land, plant and machinery that Hua Kefang pledged to the bank will all be auctioned off as collateral. These things are worth a lot when they are bought, but they are not so valuable when they are auctioned, and it would be nice to be able to sell them at a 5% or 6% discount. At that time, Hua Kefang's entire factory will be sold out, and he may not be able to repay the bank loan. ”

A tea guest next to him said: "Hua Kefang is not afraid!" He has earned enough money over the years, so it's a big deal to throw away the factory and let the bank deal with it. It's just that those who lent money to Hua Kefang are unlucky, and now they have nothing to lose! ”

"I heard that Hua Kefang borrowed money everywhere, what material merchants, what four big money houses, and even the landlord who rented the store for him as a shop lent him money, saying that he was a righteous person and wanted to earn his interest."

"It's okay now, I'm really going to beat the chickens and eggs!"

A tea guest next to him came over and said, "No, Jinqi Bank won't really collect loans, right?" ”

The tea customer, who was holding the newspaper, was obviously well-informed, and said, "Won't? What won't? The current situation is that the factory is in debt but is not working. Seeing that the loan is due and the money cannot be repaid, the collateral will have to be disposed of sooner or later. If the bank is slow to act and wait until the loan expires, the collateral may be divided by other creditors! ”

When everyone heard this analysis, they all nodded yes.

Hearing the tea guest's discussion, Han Youliang only felt that his legs were weak and he was about to lose his footing.

He didn't say a word, threw five cents to the tea table, and ran to Hua's house.

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Hua Kefang sat in the lobby with a pale face, looking at the creditors standing in the entire lobby.

These creditors were all small creditors, and they originally lent money to Hua Kefang because they coveted Hua Kefang's interest three times that of the bank deposit, and the amount they gave was generally less than 1,000 taels. However, the amount of money for these small creditors is small, and the risk tolerance is also very small. As soon as the wind blows, these small creditors want to recover their capital.

Today, the "Tianjin Daily" reported for the second time on the predicament of the Hua's Agricultural Machinery Factory, and it used a full four pages of extraneous analysis to thoroughly announce the financial problem of Huakefang. Hua Kefang has no income now, but she owes a lot of debt, and the newspapers say it all.

A few days ago, Hua Kefang spent 21,000 taels to repay the supplier's payment, which was completely torn up by Tianjin Daily.

Hua Kefang now finally understands Cui Wending's sinister intentions in doing a credit check that day. Cui Wending is not here to check credit, but to gather intelligence. After he grasped the bad financial information of Hua's Agricultural Machinery Factory, he revealed it to Tianjin Daily in a blink of an eye, completely exposing Hua Kefang's financial problems.

And Cui Wending's request for Hua Kefang to add collateral is also a complete trap. Cui Wending didn't want Hua Kefang to cooperate with the bank to add collateral from the beginning.

Cui Wending pretended to be serious to provoke Hua Kefang, and what he wanted was for Hua Kefang to get angry, let Hua Kefang refuse the bank's request, and let the head office of Jinqi Bank have a reason to hold a loan suspension meeting.

Then let the "insider" break the news that the bank may suspend the loan.

Li Zhi is trying to destroy himself.

It is indeed impossible for Jinqi Bank to suddenly collect loans, which will destroy the reputation of the bank, which Hua Kefang knows and Cui Wending also knows. But those small creditors of Hua Kefang don't know, where do these small creditors know about the bank? When they heard the newspaper report that the bank might collect the loan, they panicked and rushed to Hua's house to demand that the principal be returned.

Hua Kefang can only hate herself for expanding too fast over the years and borrowing too much money.

I only hate these little creditors who have too little insight into themselves.

The image of "righteousness", "responsibility" and "ability" that he has worked hard to manage over the years has not provoked Li Zhi, and it is very easy to use. As soon as he encountered Li Zhi's move, he was completely defeated in a few moments. Now these creditors feel that Hua Kefang will go bankrupt at any time.

Where does Hua Kefang have the money to repay her debts now? There were only more than 20,000 taels of silver left in his family's treasury, and all the money was bet on raw materials and machinery.

Han Youliang walked into the lobby of the Hua family and saw Hua Kefang's housekeeper shouting at the crowd collecting debts, while Hua Kefang sat in the hall without saying a word.

Han Youliang looked at the small creditors standing in a room full of people, and suddenly felt that his money was really going down the drain.

He rushed to the front of the crowd, knelt down in front of Hua Kefang, and shouted loudly: "President Hua, Huada good man!" My seven hundred and fifty taels of silver should really be the silver for the family to eat, I don't want the interest, you can return the principal to me first! ”