The Super Bodyguard of the Beautiful CEO

Chapter 370: Chapter 361: Loan 5 Billion Yuan

"Hmm, of course I’m confident, I’ve wanted to eliminate Han Si Hai in one go for a long time now. With such a golden opportunity, I definitely can’t miss it!" Lin Mu laughed, though he spoke lightly, he knew well enough that getting rid of Han Si Hai wasn’t easy; after all, Han Si Hai was deeply rooted and powerful in Wancheng!

Sophie nodded thoughtfully, "Alright. Since that’s the case, I’ll be waiting for your good news. Consider it as doing something for me and let’s see if you have the capability."

"Damn, so you were testing me." Lin Mu waved his hand and said.

"You could say that. My boyfriend, Sophie’s, can’t possibly lack that bit of skill, right? If that were the case, I might as well marry Han Si Hai instead." Sophie joked.

"Uh, don’t worry, I guarantee it’ll be done beautifully, just wait and see." Lin Mu patted his chest.

"Alright then, I’ll be waiting for your good news!"

Sophie knew that even with that, Han Si Hai wouldn’t be easy to deal with. The Han Family has always been called the head of the three major families in Wancheng. If the Han Family was really that fragile, it wouldn’t need Lin Mu; she could have already suppressed him herself!

But comparing the overall strength now, Lin Mu’s economic power was only slightly weaker than Han Si Hai’s, and not by much. If he really could seize a good opportunity to deal with Han Si Hai, the chances of success were great!

It was 2 PM then when Manager Yang Guoqing of the market department at Wancheng Industrial and Commercial Bank knocked on Chairman Wang Junhui’s office door with a bank loan document!

"Come in."

Wang Junhui responded while sitting at his desk, and Yang Guoqing pushed the door open and entered.

"Manager Yang, what’s the matter?"

Wang Junhui adjusted his gold-rimmed glasses and said, and Yang Guoqing smiled, "Chairman Wang, I have a loan application here. Please take a look."

Yang Guoqing said as he handed over Han Si Hai’s loan application documents to Wang Junhui, who had a big appetite and wanted to borrow five hundred million yuan.

Wang Junhui took the documents and frowned at the loan amount, "So much! Five hundred million yuan?"

A loan of five hundred million yuan is a huge sum anywhere. Even for the largest Industrial and Commercial Bank in Wancheng, taking out five hundred million yuan suddenly is no easy task. If anything goes wrong, it could disrupt the entire bank’s business process, leading to a shortage in the entire system’s capital chain. After all, the bank’s daily liquid capital is enormous, with many uncertainties. If a capital chain shortage occurs, and the bank has insufficient funds, it wouldn’t be a small matter. The lack of money in the bank will certainly lead to public panic and could cause a big trouble!

That’s why every bank loan undergoes strict scrutiny. Regardless of the situation, it’s necessary to ensure sufficient bank funds, fully guaranteeing citizens’ withdrawal needs, or else if trouble arises, losing Chairman Wang’s position is a minor issue compared to facing imprisonment! noveldrama

"Manager Yang, are you sure? Five hundred million is a big number, and just transferring it out might directly cripple our bank’s operations. Who would bear the responsibility then?" Wang Junhui said.

Wang Junhui, as chairman, naturally had the authority to decide on this matter. In this situation, whether Han Si Hai could get the five hundred million yuan loan depended on Wang Junhui’s word. Although just requiring a signature, once it’s signed, the responsibility becomes substantial because it involves a risk of five hundred million yuan!

"Chairman Wang, yes, the loan is large, but the interest is also high. Beyond the usual loan interest rate, Han Si Hai is willing to add four more points. Even in a few months, we could earn tens of millions in interest. This is a great opportunity!" Manager Yang explained.

Naturally, Yang Guoqing wasn’t doing this loan service for Han Si Hai for free. At least he would gain a few million in benefits, or why would he bother with it if not? Certainly, the bribe from Han Si Hai of several millions was worth it, as it pales in comparison to tens of millions in revenue!

For Han Si Hai, this was indeed a major deal, knowing that ordinary people would struggle even for one or two hundred million loans, and without strong connections, they simply couldn’t get it! For Wang Junhui, the thought of tens of millions in profit within months was also tempting because opportunities to earn millions of profits don’t come yearly!

But as the saying goes, the greater the profit, the greater the risk. If these five hundred million yuan were loaned out, and the bank’s capital chain shorted, it would be troublesome! By then, if Wan’s together to the bank and there’s media coverage, this bank would be finished!

Money is good to earn, but also stable operations are necessary, taking fewer risks, ensuring invincibility, and gaining public trust. Chairman Wang wasn’t myopic and understood the pros and cons clearly!

"Manager Yang, how much is our bank’s liquid capital now?" Wang Junhui asked.

"About one billion yuan!" Yang Guoqing reported.

"Correct, one billion, Old Yang, you know our bank’s business volume isn’t small. We only have one billion in liquid capital, yet you dare loan five hundred million? Do the math. You’ll need half a year to a year for repayment, and do you confidently sustain all our bank’s operations with five hundred million?" Wang Junhui strictly questioned.

As an experienced chairman, Wang Junhui had seen too much upheaval in his career, from being a small employee to reaching this level. Due to insufficient funds, incidents of client mobs with passbooks, threatening the bank weren’t new to him. If a major boss suddenly withdrew one to two billion during this time, the bank’s capital chain would undoubtedly collapse!

Yang Guoqing glanced at Wang Junhui and forced a smile, "Chairman Wang, four billion isn’t a small sum. Besides, Han Si Hai would repay in installments, with full repayment within six months to a year. I think we can give it a try!"

"Manager Yang, I think we should drop this matter. If it’s one billion, I could still consider it, but five billion yuan, I can’t risk the bank’s reputation and future on such a gamble. Understand that any mishap would crumble the bank!" Wang Junhui refused.

"Chairman Wang, look..."

"No more to discuss, I won’t agree to this loan. If you have nothing else, please go." Wang Junhui directly interrupted Manager Yang, determined not to approve the loan.

Wang Junhui also understood the possible agreement between Manager Yang and Han Si Hai, or else, with anyone else, Manager Yang wouldn’t have pushed it!

Standing by the desk, Yang Guoqing frowned, already cursing Wang Junhui’s family women in his heart for blocking his wealth path. The old man wasn’t going away, and he secretly vowed to oust this old man someday!