The technological empire begins with polymer materials - Chapter 11 Happy singlehood and a 50 million loan!

“This is already the third bank today.” Standing under the four characters “ICBC”, Gao Yuan couldn’t help but sigh.

Since the morning, Gao Yuan and Cao Feiyu have been running around. First, they went to Song Kun to get a patent license, and then they went to the China Merchants Bank recommended by Gao Yuan’s father and found Director Leng Guoliang.

For more than ten years, the factory’s accounts, including Gao Yuan’s family’s personal finances, have been handled at China Merchants Bank.

Gao Yuan’s father and Director Leng have also been good friends for many years. When they first met, Leng Guoliang was still a loan officer who had just started working.

Supposedly, the friendship was pretty good, but Leng Guoliang refused to let go even though he was holding on to one million yuan.

The X-fiber with astonishing performance can only pledge this amount of money?

Gao Yuan was indignant, but he soon figured out the inside story. In the past, Leng Guoliang had a good relationship with his father because it was profitable.

Now if you inquire a little, you will know that the Kunlun Factory is on the verge of bankruptcy. The boss fell ill and the factory stopped production. Gao Yuan, who is responsible for taking over, is only 21 years old. He has a smooth mouth and a weak tongue. He is not a high-quality credit customer.

As for invention patents, banks are highly subjective when evaluating intangible assets, and today’s market competition is fierce. Who can guarantee that after the advent of X-fiber, international giants led by BASF and DuPont will launch competition with similar performance? product?

All in all, after hitting a wall one after another today, Gao Yuan decided to meet the acquaintance recommended by Director Qin of the National Laboratory, but he didn’t hold out much hope. After all, he only met Qin Yongbo once, so he just took it as a chance.

“If you can’t get enough loans from banks, you have to go to venture capital companies.” Cao Feiyu muttered.

Gao Yuan frowned and said: “There is no free lunch in the world. Venture capital throws money at you at the risk of losing everything. It will definitely require excess returns. Shares are second. The scary thing is the veto power. As long as they look at it If you don’t like it, you can intervene in the business operations and even drive the founder out.”

“I won’t bring in those vultures unless I have to. On the other hand, this is the era of the Internet. Even if I want to bring in venture capital, people may not be willing to invest money in the industry.”

While talking, the two walked into the bank, but unexpectedly they met an acquaintance here.

Jiang Yuanyuan, a classmate of Gao Yuan and Cao Feiyu in middle school, was really just a classmate, and they never spoke more than twenty sentences in total.

Gao Yuan vaguely remembered that Jiang Yuanyuan seemed to have a good relationship with Su Zhenqiu, Fan Xiaoyun and others. They had a small group in school, and they were all girls from well-off families and good looks.

“So you are looking for President Lu.” Jiang Yuanyuan said enthusiastically: “He is our big BOSS here. People who want to get loans from him are waiting in line across the street. Do you two have an appointment?”

Gao Yuan nodded, “I chatted a few times on WeChat and asked him to come to him if necessary. Don’t be polite.”

Jiang Yuanyuan stuck out her tongue at Gao Yuan mischievously, “I said, old classmate, you have to draft a draft before you brag. President Lu is our credit manager here. If you need anything, just ask him? Don’t be polite? I don’t believe it. , can he talk to you like this?”

Does this mean you suspect me of lying?

Gao Yuan, a straight man, became anxious on the spot. He reached for his cell phone and wanted to show Jiang Yuanyuan the chat history.

At this time, Cao Feiyu touched him gently, hinting him not to be impulsive.

After all, he was asking for help from others. Gao Yuan understood that Cao Feiyu was doing it for his own good, so he immediately suppressed his emotions and said, “I forgot the original words, but we made an appointment with President Lu to meet in the afternoon. It was definitely right.”

“That’s pretty much it. It would be nice to tell the truth from the beginning.” Jiang Yuanyuan said with a look of relief on her face: “Don’t worry, we are classmates. If you can help me, I will help you. To be honest, my father and President Lu have some friendship. You two Wait here, I will inform you personally.”

Gao Yuan smiled and said: “That’s great. If this thing can be done, I’ll treat you to hot pot.”

“This is what you said, don’t go back on it.” Jiang Yuanyuan turned around and raised her fingers at Gao Yuan.

After watching Jiang Yuanyuan disappear, Gao Yuan asked Cao Feiyu, “Why did you stop me just now? I didn’t lie, I was telling the truth.”

Cao Feiyu said calmly: “Forget it, Jiang Yuanyuan is actually a nice person and very warm-hearted. Why bother to make her unhappy for a trivial matter?”

“In this world, boys are like dogs, with decision-making thinking, while girls are like cats, with exploratory thinking.”

“When a boy says he can eat anything, it is a decision. He really can eat anything. When a girl says she can eat anything, it is just a test. You have to ask her one by one what she eats, otherwise they will be unhappy.”

“A boy asks, does this dress look good on me? It’s a decision. If you say it looks good, he immediately pays the money and leaves. But a girl asks, does this dress look good on me? If you say it looks good, she will still try on the next one. , because it’s just a test and has nothing to do with decision-making.”

“So, Jiang Yuanyuan was clearly testing you just now. If you follow her ideas, she will be very happy and spare no effort to help you. If you come up with evidence to refute, it will only make her feel hurt. There is nothing wrong with us, so why bother to be persistent?” I’m trying to reason with girls.”

Gao Yuan felt a huge earthquake all over his body. He felt as if listening to you was better than ten years of reading. He opened his mouth and looked at Cao Feiyu in surprise.

“Zhao, who did you learn this from? You’re too powerful,” Gao Yuan muttered, “That’s not right. If you really understand women so well, why are you still single?”

Cao Feiyu smiled and said, “Man Going Their Own Way, which means men who go their own way, is a sport that is currently popular all over the world. It is called Migdo in China, and it is called herbivorous boys in Japan. “

“Because I understand that men and women are fundamentally different, and I decide to do my best to stay away from women legally and emotionally, refuse to compromise with women, don’t care about women, and don’t care about women, my life will be better.”

Gao Yuan blinked, “Isn’t that still a single person?”

Cao Feiyu rolled his eyes at Gao Yuan, “Whatever you say, I just happened to join a Migdao forum that rejects women, and learned some interesting knowledge, which just came in handy today.”

Gao Yuan was startled for a moment, then touched his chin with one hand and muttered, “Stay away from women, life will be better…”

“Well, it’s interesting. Send me the URL later.”

…

Cao Feiyu was right. As long as you follow her little temper, Jiang Yuanyuan is actually a very enthusiastic and kind-hearted girl.

She returned soon after and personally brought Gao Yuan and Cao Feiyu to Lu Yong’s office.

“Uncle Lu.” Jiang Yuanyuan said in a sweet voice: “They are both my good friends in middle school. If it does not violate the rules of the industry, you can help them as much as you can. Young people of our age want to How hard it is to start a business.”

Her voice was slightly loud. It was obviously inappropriate for Jiang Yuanyuan to speak like this in the workplace. However, Lu Yong not only did not show any displeasure, but instead laughed and nodded repeatedly. It seemed that Jiang Yuanyuan’s family had an unusual relationship with this President Lu.

“Don’t worry, I have always been the most supportive of young people starting their own businesses based on their own abilities.” President Lu Yong patted his chest and spoke righteously.

“Then I’ll go out first and you guys can chat slowly.”

Jiang Yuanyuan said, winking at Gao Yuan and Cao Feiyu, as if to hint, “I’ve done all the work that needs to be done, and then it’s up to you.”

…

Lu Yong narrowed his eyes slightly and carefully looked at the two young men in front of him. Although he looked calm on the outside, his heart was already turbulent.

Just three days ago, he suddenly received a phone call from the boss of the provincial bank, telling him to pay attention to a loan project in the chemical fiber field to help companies solve financial difficulties.

Although he did not say it clearly, the person at the provincial bank vaguely revealed that in the higher power center, someone was very optimistic about this new invention, but it was not convenient for the state to directly intervene, so he asked the bank to provide financial support and credit facilities.

Lu Yong is worrying about how to support this company. He can’t just give away the money as soon as they meet. It doesn’t make sense.

At this moment, Jiang Yuanyuan just stepped in out of thin air, and Lu Yong was immediately overjoyed. The superiors wanted to support him secretly, and Gao Yuan was Jiang Yuanyuan’s classmate, so it was easy to handle.

But after meeting him, he was surprised to find that Gao Yuan was so young, which really surprised President Lu.

“You are still so young, and you have already been named and supported by the higher authorities. What kind of incredible invention is this? Director Qin of the National Laboratory also praised it.” Lu Yong was suspicious in his heart, “Pay attention, you must pay close attention. “

After greetings, Lu Yong asked about the collateral.

Gao Yuan immediately took out a lot of patent certificates, technical information, Kunlun factory’s business license, qualification certificates, test reports issued by the national laboratory, etc.

“Interesting, I’ll ask someone to prepare some tea. We have time, so you have to explain it to me in detail.” Lu Yong said.

Gao Yuan and Cao Feiyu were surprised. The two banks they went to in the morning showed impatient expressions after just listening for a while. Things like materials and chemistry were obscure and boring, but President Lu actually took the trouble, which really flattered Gao Yuan.

The process was of course difficult. Lu Yong was in his forties and had already returned the knowledge he had learned in college to his teacher. It took a lot of effort for him to finally understand what X-fiber was.

However, once Lu Yong understood how contrary Gao Yuan’s invention was, he immediately felt a turmoil in his heart.

So strong!

Awesome!

X-fiber is so scary!

Lu Yong was shocked and looked at Gao Yuan with eager eyes.

You know, Gao Yuan was only twenty-one years old, and he had already created a world-defying invention, which attracted the attention of the power center and called for support.

It is simply unimaginable what achievements and career such young people will achieve in the future!

Da da da~

Lu Yong stood up and walked quickly back and forth in the office, looking very serious and thinking.

“Fifty million.” Lu Yong said solemnly, without any intention of joking: “Using the patent as a pledge for a period of two years and subject to the national benchmark commercial loan interest rate, I will lend you fifty million.”

Phew~

Gao Yuan took a breath. He didn’t expect things to go so smoothly. Originally, his biggest expectation was to get a loan of 500 to 10 million yuan from the bank, but now it completely exceeded his expectations.

It’s just that the loan period is a bit short, and the principal and interest cannot be repaid after two years. The patent rights of X fiber belong to the bank. If there is a three-year or five-year period, it will be more perfect.

But it doesn’t matter. If you can’t repay the loan in two years with the super black technology provided by the system, it can only prove that Gao Yuan has a problem with his ability and should buy a piece of tofu and kill him.

“Thank you very much, President Lu.” Thinking of this, Gao Yuan stood up and solemnly extended his right hand.

There is no recommendation next week, I will continue to run naked

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