Chapter 545: Intelligence and Ambition
After the dinner, Luo Yang felt that he was shallow.
This bank will rank 29th in the global bank assets rankings in the future, so you can imagine how strong it is.
It is far from comparable to Ningbo Bank.
A loan amount of 1 million is not small, but in Pufa's eyes, it is not yet to the point where they need to rush to add more. When the director of the credit department of a branch comes forward, they feel that they are equal in qualifications.
What's more, half of this loan is a policy-based low-interest support loan, which greatly reduces the bank's profits.
Of course, the director of the credit department was very polite at the table and gave Luo Yang enough respect.
"Please rest assured, Mr. Luo, regarding the loan approval speed. As long as the formalities are complete, I will complete the process as quickly as possible and will not delay the development of your business."
He Junyou is in his early forties. He is not fat, but his round face gives people an inexplicable good impression.
Judging from their appearance, this kind of person has a kind face, especially when they smile, which always makes people feel as if they are bathed in a spring breeze, and the sense of strangeness will unconsciously be eliminated.
"I will prepare all the relevant documents as soon as possible and report them to Director He."
Ke Ruoyun interjected: "Let's do the commercial loan part first, which involves policy support. Once the district makes it clear that we meet the conditions, we can go through the bank procedures. It won't take long."
"Then I'll trouble Director He to take care of it."
Luo Yang picked up the wine cup and took the initiative to toast He Junyou.
"Mr. Luo, I heard that most of your company's loan business was previously in cooperation with Yongcheng Bank?"
After putting down the wine cup, He Junyou asked casually, seemingly curious: "I wonder which leader in Shanghai Mr. Luo has a good relationship with. Maybe I know him."
If the director of the credit department had no prior knowledge of Luo Yang and Lingshi Palace Group, he would not be worthy of holding this position.
The reason I ask this is, firstly, to avoid being too direct, and secondly, to start a conversation and bring up the next topic.
"You are from the same circle. Even if you don't know each other, you should have heard of each other's names."
Luo Yang also said directly: "Dong Xuan, the former director of the credit department of the Pudong branch and now the deputy president of the branch. I also met her through a few friends in Ningbo, Zhejiang Province."
"No wonder, their headquarters is in Yongcheng."
He Junyou nodded, then smiled and said, "I have met Dong Xing a few times, so we can barely be considered acquaintances. In the future, with the help of Mr. Luo, I will have the opportunity to make friends with her. By the way, she has been promoted to vice president now, so she is no longer in charge of credit, right?"
From this sentence, we can tell that Dong Xuan’s relationship in Pufa is not with He Junyou.
"Okay, you guys are in the same circle anyway. Today she works at Yongcheng Bank, but maybe tomorrow she'll be a colleague of Director He."
Luo Yang smiled and said, "The flow of talent in the industry is too common."
"Mr. Luo is right. Maybe one day I will go to Yongcheng Bank to make a living."
He Junyou responded with a smile and said, "However, as Mr. Luo's company grows bigger, the demand for funds will increase in the future, and even involve cross-border business services. At that time, we will need to cooperate with financial institutions with more complete service content and stronger strength."
Luo Yang glanced at his financial director Ke Ruoyun.
For cross-border services, the 5000 million commercial loan needs to be converted into RMB and given to Ding Hongyi. I think it was Ke Ruoyun who revealed it to He Junyou, right?
"That's true. Kunpeng Technology will have to conduct many of its businesses overseas in the future, and it does need financial institutions with overseas financial services capabilities."
This is not a trade secret, and even if Ke Ruoyun revealed it in advance, it would not affect anything.
"I think our two companies can carry out in-depth cooperation in this regard."
Seeing that Luo Yang did not explicitly avoid the issue, He Junyou immediately took the opportunity to propose his intention to cooperate: "Although Pufa is also a local state-owned financial institution, due to the special financial status of Shanghai and its huge capital demand, Pufa will inevitably move closer to internationally renowned banks in terms of scale and service content. According to our bank's research, more than half of Kunpeng Technology's future business will be overseas. We are in agreement on the direction."
There may still be a demand for exchanging rice and yuan now, but Luo Yang believes that once the overseas market is developed, there will be a steady flow of foreign exchange.
The demand at that time will be more on financial services.
What He Junyou hinted was correct. Ningbo Bank cannot meet the needs of enterprises in this area.
“It depends on the development of the enterprise.”
Luo Yang did not rush to express his opinion: "Kunpeng Technology is at a critical juncture at this stage. If we can take a step forward and break through the ceiling, our overseas business will definitely be huge in the future. If we cannot take this step."
"I believe that under the leadership of Mr. Luo, Kunpeng Technology will surely break through the ceiling and become one of the leading companies in the drone industry."
He Junyou followed up without thinking: "In fact, when I first received the call from Director Ke, I only regarded this loan business as an ordinary business, except that the loan amount was a little higher. But when it came to the content of the high-tech industry policy support loan, I also contacted the district, and then I learned one thing. Not only has Mr. Luo's company been registered in the district, but some leaders in the city are also paying attention to the next development of Kunpeng Technology."
When Luo Yang heard this information, his heart skipped a beat.
real or fake?
Because in his opinion, if an enterprise is valued by the higher-ups, regardless of support policies or something, at least there will be many inspections by leaders.
But to be honest, up to now, he really hasn't noticed it.
Apart from the school leaders who paid more attention to it and organized an inspection, no heavyweight leaders from the Minhang Development Zone or the district have visited, let alone the city leaders.
"Boss Luo, I didn't make this up."
Facing the puzzled look, He Junyou quickly explained: "Whether it is the district or the city, there is a list of key projects every year. Most of them are reported by the streets, districts, and industrial parks. Most of the subsidies from the national, municipal, and district finances are given to the companies on the list. This list is not only in the hands of the district and city, but also in the hands of several of our large state-owned financial institutions."
Instead of clearing up the confusion, this made Luo Yang even more confused.
"Director He, according to your explanation, shouldn't our Kunpeng Technology have already enjoyed relevant policy support and financial subsidies?"
Luo Yang asked puzzledly: "But as far as I know, Kunpeng Technology has not enjoyed any policies so far. Even if there are any, they are given by the school's industrial park. It can only be regarded as a university level, right?"
"Didn't you enjoy it?"
He Junyou was also surprised, and fell into deep thought after listening.
"I think there are probably two possibilities."
After a moment, He Junyou raised his head and looked at Luo Yang and said, "The first reason may be that the drone industry has not been positioned so far. We don't know which type of industrial subsidy it should be classified into, and can only be vaguely classified as a high-tech industry."
Well.
Is this really possible? If the loan is granted, won't Kunpeng Technology be able to enjoy policy support for high-tech industries and get some low-interest loans?
Moreover, judging from the current domestic market, there should be only two companies engaged in drone development, one is DJI and the other is Kunpeng Technology. Before the second-generation multi-rotor drone products are launched, the application-level market is limited to enthusiast players and a few professional units, and this market is not large.
Based on the market size and influence, it is not yet possible to ask the country to formulate relevant support policies specifically for this purpose.
Unlike ten years later, drones have been widely used to the point where even the country has to pay attention to them.
Not to mention the trillion-level scale of the civilian market, who dares to ignore the military market alone?
“Second reason”
Seeing that Luo Yang was deep in thought, He Junyou continued to explain, "Maybe the higher-ups want to wait and see. The emergence of an industry will not necessarily be taken seriously as soon as it comes out. The market and technology need time to cultivate." Luo Yang understood immediately after hearing this.
For example, the Internet industry had actually appeared long before this wave of growth, and even led to a cold winter for the Internet industry. The country also issued relevant industry support policies at the right time.
There are many such phenomena, including the new energy industry that is now being favored by both the government and private capital.
In fact, the new energy industry has been promoted as early as the 1980s, especially Japan, which started to lay out in the 1990s, but our country did not officially introduce relevant industrial policies until this year.
When it comes to new things, don't rush to express your opinion, wait and see. This pace is in line with the above approach.
"I didn't think so much about it."
Even though he had a lot of thoughts in his mind, Luo Yang became simple when he spoke out loud.
He smiled casually and said, "When I started my business in school, it was just out of interest. I never thought that drones could become a huge industrial market on their own. Even today, I still can't see a clear future, so it's normal that I don't know what the higher-ups think of Kunpeng Technology. Now that Director He said this, I have to drink some wine to calm down and go home to calm down."
"Hahaha"
He Junyou had no idea that Luo Yang could see the market ten years later, and he burst into laughter at what he just said.
He laughed and raised his wine cup: "Boss Luo, if the drone industry develops like the new energy industry in the future, you have to treat me to dinner and drink with me to calm my nerves!"
At this time, not only Luo Yang, Ke Ruoyun, Wen Wan and Gao Qin, the business manager brought by He Junyou, laughed together.
The dinner started a little after six and ended at half past eight.
At Luo Yang's insistence, he first sent He Junyou into the car and left. After watching the taillights of the car disappear at the end of the road, Luo Yang instructed Ke Ruoyun who was standing next to him.
"Keep an eye on the loan. I won't say much about it. Just remember to report to me and Mr. Chu at any time."
Luo Yang stood beside the car and said, "Pay attention to two more things. One is the overseas business service content of Pufa. Find out whether they transfer through HK or directly set up financial branches in Omi. The other is whether this loan can be directly converted into US dollar payment through overseas service agencies."
"Okay, Chairman, I will hurry up and get the information on this."
"If we don't have enough staff, then tell Mr. Chu that it's necessary to add a few more positions. Once the company's overseas business starts, the finance department will have to recruit more people. It's better to be prepared in advance than to be in a rush when the time comes."
After explaining these things, Luo Yang got into the car.
"Did you see anything about tonight's dinner?"
After the car drove out of the underground parking lot, Luo Yang suddenly asked Wen Wan who was sitting in the passenger seat.
"Do you mean people or things?"
"There's nothing good about him. Can someone who can sit in He Junyou's position be simple?"
Luo Yang didn't drink much tonight, only half a catty of white wine, so his mind was still relatively clear: "Let's talk about the matter."
This is a test for the newly appointed director of the board office.
"I've thought about it and there are probably three directions. If I'm wrong, please criticize and correct me, boss."
After a moment of silence, Wen Wan turned sideways to face Luo Yang who was sitting in the back row and said, "My first impression is that the company's financial services organization may need to change direction. Even if it is not yet at the point of change, it may need to take a diversified path and no longer focus on Ningbo Bank."
Luo Yang leaned back in the back seat, closed his eyes and rested, without saying a word or expressing his opinion.
"The second impression is Kunpeng Technology. Before I came here to apply, I had a general understanding of the group's industries. At that time, my view of Kunpeng Technology was still one-sided. Especially through the information revealed by Director He tonight, plus some of the things implied in your words, I think Kunpeng Technology will be very important in the future!"
"Oh?"
Luo Yang in the back row suddenly opened his eyes: "Did my words reveal something?"
"Everyone in the company says you are not a high-profile person."
Wen Wan carefully considered her words and replied, "But several times tonight, whenever Director He politely praised the future achievements of Kunpeng Technology, you didn't even say a humble response, but just changed the subject. From a psychological perspective, you should be sure that Kunpeng Technology can reach this height in the future."
Wow, even psychology has been figured out.
"Did you take psychology in college?"
"Well, I found it quite interesting, so I chose this course."
Wen Wan responded: "I originally planned to get this degree, but then I felt that if I continued to study in depth, it might lead me to see through people's hearts too much, which might not be a good thing for me."
“Just like philosophy, once you learn deeply, you can see the essence of everything.”
Luo Yang turned his head and looked at the neon lights of the street outside the car window: "If we put aside the enjoyment of the material world, half of the meaning of life will be lost."
If you say this to a friend, you can start a discussion or even make a joke about it.
But Wen Wan was a subordinate, so it was difficult for her to respond.
"What's the other feeling?"
Luo Yang took the initiative to ask, breaking the quiet atmosphere.
"The last feeling has a bit of free judgment in it."
Wen Wan paused before continuing, "You seem to have both a need and resistance to the financial industry."
"Hahaha"
After hearing this, Luo Yang burst into laughter.
"Since you know about the group's industries, you should know about Gray Rhino Capital and that the group has an investment department directly under it. These are all financial in nature."
Luo Yang smiled and said, "Only if you can express it this way, knowing all this, can only be explained by free conviction."
Wen Wan did not continue the topic.
She raised her orchid finger, hooked her bangs on her forehead, looked at Luo Yang and said, "Boss, these are my views on tonight's dinner. Please correct me."
"You are very good!"
Luo Yang did not point out anything, but praised: "It's better than I thought."
"Thank you for the compliment, boss."
Wen Wan smiled and said, "I will try to see more, learn more, and grow faster with my boss in the future!"
Originally, she had expected that Luo Yang would bring his assistant Yu Haiping to the dinner tonight.
Taking her along is an unexpected surprise.
That’s how ambition arises. Once you have one, you will have two, and you always want more.
Although I have only been on the job for two or three days, I have learned a lot of information. My boss spends half of the week working in his hometown of Yang City, which means he also owns some businesses in another city.
How big are these industries?
Wen Wan is very interested
(End of this chapter)
