Chapter 398： Bankruptcy tide
The commercial atmosphere of Christmas in 2007 has begun to grow. The businesses all over the street are pasted with Christmas tree window grilles, and MerryChristmas is painted with white spray. Two Christmas trees are placed at the door, and there are many fake gift boxes.
A certain proud shopping mall even found an artificial snow machine and set it up on both sides of the square in front of the shopping mall. It pretended to have a light snowfall. From morning to night, it really piled up a layer of snow at the entrance of the shopping mall, attracting people. People from Guangzhou who have never seen real snow cheered,
That is to say, there is no circle of friends yet, otherwise it will definitely be forwarded crazily,
However, there was a small fire on Swishhu Weibo,
The result is that the friends in the north have a sense of superiority in an instant, and they upload fancy snow scenes in the north one after another.
Souhu Weibo keeps up with current events, immediately launches a special topic on Snow Scene Show, and cooperates with Qiandu and Goose Factory to promote, and harvests a batch of new users in just a few hours.
As a result, the number of Weibo registrations finally exceeded 30 million, accounting for almost 20% of the total number of Internet users in the country.
After reading the celebration message sent by Lao Zhang, Chen Yang followed Xiao Ma and Lao Li, replied with a like expression, and put the phone into his trouser pocket.
Then he took Zou Rong's little hand and put it into the coat pocket, and mixed with a group of Guangdong people who had never seen the world, pretending to be like them, with a full of interest,
At this time, I heard Zou Rong say with emotion,
"I remember when I was a child, the snow at home was more than a foot thick, and when I stepped on it, I could reach my thighs. Now I rarely see even snow, and I will never see heavy snow again."
Chen Yang tilted his head and looked at her. Thinking about it carefully, her thighs were still when she was a child, um, that snow should be fine,
Then he smiled and said, "It's not easy to see heavy snow. When New Year's Day is off, I will take you to the northeast to see the snow. The snow there must be thick."
Even if there is low temperature and heavy snow this year, it will mainly affect the south, to be precise, the central part and the Jiangnan line, going west to Chongqing Sichuan,
There is still no snow further south, but to the north, people are already used to the ice and snow pattern, and the impact is minimal, so as long as you don't go to those places, basically there will be no problem.
Hearing this, Zou Rong's eyes lit up immediately, she raised her face, showing some anticipation, but quickly shook her head again,
"Uh, let's forget it. I've been so busy these days. It's thanks to the boss's permission to get off work on time today. I'm afraid I won't be able to carry it after work."
Chen Yang pursed his lips. It’s not good to be a worker. The time is not his own. It’s not easy to find some rest time to go out and play.
Then he asked, "It's the end of the year, why are you still so busy?"
"There are so many cases," Zou Rong pouted and said with a strange expression on her face, "I heard from my colleagues that, for some reason, many companies couldn't hold on in the past two months.
In our bank alone, there are a lot of non-performing loans in the credit department. In the past, it was rare that the mortgage was taken away because the loan could not be recovered or the interest was not paid. But this month, there are dozens of bad loans in our branch. one,
I heard from them that this kind of situation has never happened before, even during the financial crisis in 1997. Now the credit department is tightening loans, waiting for the instructions of the head office. "
Chen Yang frowned slightly, looked at her and asked, "Have many companies gone bankrupt?"
Zou Rong curled her lips, "There are only a dozen internal cases in our team, how many do you think?"
There are only a dozen or so in one group, plus those that have been processed and have not yet been submitted, there may be hundreds of corporate-level non-performing loan cases within Min'an Bank.
How many banks are there in Guangzhou?
Expanding to the Soo Triangle, is this the beginning of a wave of bankruptcy?
Chen Yang thought for a while and asked, "What kind of companies are they?"
Zou Rong thought for a while and said, "Basically, they are all factories. Some make clothes, some make leather, and some are messy.
And the scale is not very large, it belongs to the kind that meets the threshold of bank loans but does not have much anti-risk ability.
It's okay if nothing happens. If something happens, this kind of company is the easiest to lose. "
It is difficult for a workshop-like factory that is too small to obtain bank loans, and a factory that is too large has a certain ability to resist risks. The factory has the weakest ability to resist risks.
After a pause, she raised her head to look at Chen Yang, and asked with a troubled face, "Well, is your company okay?"
She works in a bank and knows something about barley,
Damai has a loan of more than one billion yuan, and is also in a guarantee relationship with a loan of eight billion yuan, which is nothing more than normal, but at this critical time, it is natural to be a little worried.
Chen Yang gently shook the little hand in his heart, pulled her out from the crowd, and walked slowly along the street,
Then he said with a smile, "Balley and Huahuo's combined monthly profits are close to one billion. What's the problem?"
"Oh," Zou Rong breathed a sigh of relief, "Then I can rest assured."
But in the next second, she realized that she stared at Chen Yang with wide eyes, "One billion a month?"
Oh my god, didn't you want to earn more than 10 billion that year?
No wonder the syndicate dared to lend them so much money. If there is no accident, even if there is a financial crisis, the syndicate will grant them more credit next year!
Banks are like this. The richer you are and the more money you can make, the more they want to give you a loan. Conversely, if you beg the bank to lend you a loan, the bank will not look at you more.
Seeing the little girl's dumbfounded look, Chen Yang chuckled, lowered his head and said softly, "Actually, besides Damai, I have other companies, which are also very profitable!"
Zou Rong rolled her eyes, "You mean Hengli and Chuangfu?"
Chen Yang smiled and said, "It's okay, but making money is not as much as making mobile phones, well, maybe it will catch up in the future,
But I’m not talking about this. In addition to these companies, there are also Rainbow Fund and Rainbow Valley Capital. Rainbow Fund invests in financial markets, and Rainbow Valley Capital invests in equity and industries. Both have made a lot of money this year.
In addition, I set up a sole proprietorship company, specializing in the high-end apartment projects that I told your dad before. Even if all other companies are gone in the future, we can also be a renter and renter. How about it, your husband is amazing ! "
With tens of billions of dollars in his pocket, he is still afraid of being a fart now, so when Zou Rong asked, he just said it all, but there is no need to go into too much detail about the details.
Rainbow Fund?
Rainbow Valley Capital?
High-end apartment?
Zou Rong felt that she could no longer think in her head, so she blinked her eyes.
Oh I remembered,
That 8 billion guarantee was made for the Rainbow Fund, no wonder!
only,
Zou Rong blinked, raised her head and asked, "I remember, it seems that the stock market has been falling for the past two months, right? Your rainbow fund is okay?"
Chen Yang was a little funny, "Do you still have time to pay attention to the stock market?"
Then he smiled and said, "The wave of company failures you mentioned is related to the stock market drop. To be more precise, it is related to the subprime mortgage crisis in the United States.
Most of the enterprises here in Guangdong are export-oriented and mainly export. Now people in Europe and the United States are having a hard time. Naturally, those small factories have no business, and it is not surprising that they will close down.
In fact, your bank must know all these questions, but you don't understand it.
As for the Rainbow Fund,"
Chen Yang looked at her while talking, and said with a smile, "Rainbow Fund has withdrawn from the domestic stock market as early as September, and it's safe!"
A certain proud shopping mall even found an artificial snow machine and set it up on both sides of the square in front of the shopping mall. It pretended to have a light snowfall. From morning to night, it really piled up a layer of snow at the entrance of the shopping mall, attracting people. People from Guangzhou who have never seen real snow cheered,
That is to say, there is no circle of friends yet, otherwise it will definitely be forwarded crazily,
However, there was a small fire on Swishhu Weibo,
The result is that the friends in the north have a sense of superiority in an instant, and they upload fancy snow scenes in the north one after another.
Souhu Weibo keeps up with current events, immediately launches a special topic on Snow Scene Show, and cooperates with Qiandu and Goose Factory to promote, and harvests a batch of new users in just a few hours.
As a result, the number of Weibo registrations finally exceeded 30 million, accounting for almost 20% of the total number of Internet users in the country.
After reading the celebration message sent by Lao Zhang, Chen Yang followed Xiao Ma and Lao Li, replied with a like expression, and put the phone into his trouser pocket.
Then he took Zou Rong's little hand and put it into the coat pocket, and mixed with a group of Guangdong people who had never seen the world, pretending to be like them, with a full of interest,
At this time, I heard Zou Rong say with emotion,
"I remember when I was a child, the snow at home was more than a foot thick, and when I stepped on it, I could reach my thighs. Now I rarely see even snow, and I will never see heavy snow again."
Chen Yang tilted his head and looked at her. Thinking about it carefully, her thighs were still when she was a child, um, that snow should be fine,
Then he smiled and said, "It's not easy to see heavy snow. When New Year's Day is off, I will take you to the northeast to see the snow. The snow there must be thick."
Even if there is low temperature and heavy snow this year, it will mainly affect the south, to be precise, the central part and the Jiangnan line, going west to Chongqing Sichuan,
There is still no snow further south, but to the north, people are already used to the ice and snow pattern, and the impact is minimal, so as long as you don't go to those places, basically there will be no problem.
Hearing this, Zou Rong's eyes lit up immediately, she raised her face, showing some anticipation, but quickly shook her head again,
"Uh, let's forget it. I've been so busy these days. It's thanks to the boss's permission to get off work on time today. I'm afraid I won't be able to carry it after work."
Chen Yang pursed his lips. It’s not good to be a worker. The time is not his own. It’s not easy to find some rest time to go out and play.
Then he asked, "It's the end of the year, why are you still so busy?"
"There are so many cases," Zou Rong pouted and said with a strange expression on her face, "I heard from my colleagues that, for some reason, many companies couldn't hold on in the past two months.
In our bank alone, there are a lot of non-performing loans in the credit department. In the past, it was rare that the mortgage was taken away because the loan could not be recovered or the interest was not paid. But this month, there are dozens of bad loans in our branch. one,
I heard from them that this kind of situation has never happened before, even during the financial crisis in 1997. Now the credit department is tightening loans, waiting for the instructions of the head office. "
Chen Yang frowned slightly, looked at her and asked, "Have many companies gone bankrupt?"
Zou Rong curled her lips, "There are only a dozen internal cases in our team, how many do you think?"
There are only a dozen or so in one group, plus those that have been processed and have not yet been submitted, there may be hundreds of corporate-level non-performing loan cases within Min'an Bank.
How many banks are there in Guangzhou?
Expanding to the Soo Triangle, is this the beginning of a wave of bankruptcy?
Chen Yang thought for a while and asked, "What kind of companies are they?"
Zou Rong thought for a while and said, "Basically, they are all factories. Some make clothes, some make leather, and some are messy.
And the scale is not very large, it belongs to the kind that meets the threshold of bank loans but does not have much anti-risk ability.
It's okay if nothing happens. If something happens, this kind of company is the easiest to lose. "
It is difficult for a workshop-like factory that is too small to obtain bank loans, and a factory that is too large has a certain ability to resist risks. The factory has the weakest ability to resist risks.
After a pause, she raised her head to look at Chen Yang, and asked with a troubled face, "Well, is your company okay?"
She works in a bank and knows something about barley,
Damai has a loan of more than one billion yuan, and is also in a guarantee relationship with a loan of eight billion yuan, which is nothing more than normal, but at this critical time, it is natural to be a little worried.
Chen Yang gently shook the little hand in his heart, pulled her out from the crowd, and walked slowly along the street,
Then he said with a smile, "Balley and Huahuo's combined monthly profits are close to one billion. What's the problem?"
"Oh," Zou Rong breathed a sigh of relief, "Then I can rest assured."
But in the next second, she realized that she stared at Chen Yang with wide eyes, "One billion a month?"
Oh my god, didn't you want to earn more than 10 billion that year?
No wonder the syndicate dared to lend them so much money. If there is no accident, even if there is a financial crisis, the syndicate will grant them more credit next year!
Banks are like this. The richer you are and the more money you can make, the more they want to give you a loan. Conversely, if you beg the bank to lend you a loan, the bank will not look at you more.
Seeing the little girl's dumbfounded look, Chen Yang chuckled, lowered his head and said softly, "Actually, besides Damai, I have other companies, which are also very profitable!"
Zou Rong rolled her eyes, "You mean Hengli and Chuangfu?"
Chen Yang smiled and said, "It's okay, but making money is not as much as making mobile phones, well, maybe it will catch up in the future,
But I’m not talking about this. In addition to these companies, there are also Rainbow Fund and Rainbow Valley Capital. Rainbow Fund invests in financial markets, and Rainbow Valley Capital invests in equity and industries. Both have made a lot of money this year.
In addition, I set up a sole proprietorship company, specializing in the high-end apartment projects that I told your dad before. Even if all other companies are gone in the future, we can also be a renter and renter. How about it, your husband is amazing ! "
With tens of billions of dollars in his pocket, he is still afraid of being a fart now, so when Zou Rong asked, he just said it all, but there is no need to go into too much detail about the details.
Rainbow Fund?
Rainbow Valley Capital?
High-end apartment?
Zou Rong felt that she could no longer think in her head, so she blinked her eyes.
Oh I remembered,
That 8 billion guarantee was made for the Rainbow Fund, no wonder!
only,
Zou Rong blinked, raised her head and asked, "I remember, it seems that the stock market has been falling for the past two months, right? Your rainbow fund is okay?"
Chen Yang was a little funny, "Do you still have time to pay attention to the stock market?"
Then he smiled and said, "The wave of company failures you mentioned is related to the stock market drop. To be more precise, it is related to the subprime mortgage crisis in the United States.
Most of the enterprises here in Guangdong are export-oriented and mainly export. Now people in Europe and the United States are having a hard time. Naturally, those small factories have no business, and it is not surprising that they will close down.
In fact, your bank must know all these questions, but you don't understand it.
As for the Rainbow Fund,"
Chen Yang looked at her while talking, and said with a smile, "Rainbow Fund has withdrawn from the domestic stock market as early as September, and it's safe!"
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