Different people will have different opinions about marriage.

Among the people Liu Xiahui knew, the fastest marriage was one of his cousins.

My cousin and my cousin are meeting today, I will check my house tomorrow, and get the certificate the day after tomorrow. There is really no one else in this speed!

Although the marriage speed is very fast, the relationship between the cousin and the cousin has always been stable. After more than ten years of marriage, there may be some small quarrels occasionally, but never had a divorce or something. It can be said that it is very rare.

The slowest marriage speed is a friend of a friend. It is said that he has been with his girlfriend for thirteen years before getting married.

In addition to these two special examples, it usually takes about two years to get married.

However, for younger couples, like Wang Maowei and his cousin, one is 27 and the other is 24. They are no longer young in this era, and it is impossible to get along for a year or two before getting married.

Even if they want, both parents will not allow it.

Therefore, after confirming the relationship, the two made plans to get married at the end of the year.

Liu Xiahui is more supportive of this.

Although the two have only been half a year since they met and got married, it is enough for the two who have been working together for the purpose of getting married since the first day of their relationship!

...

There are more than two months left, and 2003 will be over.

Li Wencheng, the branch president, is under a lot of pressure, and the deposit and loan tasks assigned by the branch have not been completed yet.

Deposit acquisition is the top priority of the development of commercial banking business. In layman's terms, if there is no deposit, you cannot lend, there will be no interest rate spread, and if there is no interest rate spread, there will be no profit.

Of course, banking is much more than just lending.

In short, deposit acquisition can be said to be the foundation of commercial banks.

Loans are equally important, which is one of the most profitable businesses of banks.

Logically speaking, there are so many people who want to take out loans, and it is so easy to complete this loan task.

Unfortunately, loan banks have risk control, and not any person or any company is qualified to take out loans.

For a branch president like Li Wencheng, he would rather not complete the loan task assigned by his superiors than blindly lend to enterprises or individuals.

Because once the loan released becomes a bad debt, the branch president must be responsible. At the least, there is no hope of promotion, and at the worst, it may even be demoted. This is not a joke.

This is also the reason why Li Wencheng values ​​Liu Xiahui so much. High-quality companies like Liu Group that do not have any debts are definitely a hot topic in the eyes of banks.

Before, Li Wencheng had always wanted to get closer to Liu Xiahui and wanted to borrow some money to him, but unfortunately he had never found a suitable opportunity.

As a result, Liu Xiahui took the initiative to ask him to introduce a partner because of his cousin's marriage, and then he also did the matter beautifully.

With this friendship, and Liu Xiahui took the initiative to mention that he could help with the bank's loan or deposit tasks.

This made Li Wencheng feel moved, so he decisively invited Liu Xiahui to dinner, preparing to explore Liu Xiahui's voice at the table to see if he could complete the remaining loan tasks assigned by the branch!

...

Monday, October 20th.

At 12 noon, the garden is filled with fragrance.

Liu Xiahui and Li Wencheng were drinking and chatting. What they started chatting about was naturally the matter between her cousin and Wang Maowei, but as they were chatting, they talked about Liu Xiahui's Liu Group.

"Mr. Liu, I heard that the roast duck chain and roast goose chain under your Liu Group are now focusing on the market in Guangdong Province?" Li Wencheng put down his chopsticks, picked up the teacup and took a sip, and said.

Liu Xiahui took a sip of the soup and nodded and said, "Yes, currently he is mainly engaged in the Guangdong Provincial Market. He plans to open the roast duck chain and roast goose chain throughout Guangdong Province in the first half of next year!"

Li Wencheng said with an exclaimed look: "Mr. Liu, you two chain companies are really going too steadily. It is said that the shops of each chain store are bought with money, which is simply invincible!"

Liu Xiahui smiled and said, "My business method is actually not worth promoting. If I were not buying a shop but renting a shop, my two chain companies would have already opened all over the entire Guangdong province!"

Li Wencheng waved his hand and said, "I think Mr. Liu's business model is quite good. It really takes a lot of investment and a lot of time to buy so many shops. But once the province's layout is completed, the next step is the time to gain."

Liu Xiahui nodded and said, "I can also sacrifice the early development speed to ensure the later returns. However, in the eyes of those experts in capital operation, I should be quite stupid to do this, right?"

Li Wencheng smiled and said, "For our banks, we don't like those high-debt companies with capital operations. Although that kind of business method is indeed easy to become bigger and stronger in a short period of time, once there is an accident in the capital chain, it will cause a chain reaction. The entire company will be overturned!

But Mr. Liu, you are a steady business aspect, and even if there is any accident, your two chain companies have first-class risk resistance.

So a company like Mr. Liu, you are our bank’s favorite big customer!”

Liu Xiahui laughed and said, "It makes sense. When doing business, it cannot be smooth sailing. There will always be twists and turns. I buy shops to operate for investment and avoid risks on the one hand.

After all, the biggest expenses of chain companies are employee wages and shop rent. If I buy the shop and run it, I don’t need any shop rent, and my risk resistance will naturally become much stronger!”

Li Wencheng smiled and said, "This kind of wealthy business method is only affordable by Mr. Liu. Ordinary catering companies dare not be so willful!"

Liu Xiahui said: "It's okay, but the early investment is indeed a bit large. However, as chain stores open more and more, the profitability is getting stronger and stronger. Now there is very little capital needed to invest. I believe that in the near future, the profitability of chain stores alone will be enough to support this expansion speed!"

Li Wencheng gave a thumbs up and praised: "I admire you, when profitability can support this expansion speed, you two chain companies, Mr. Liu, will become two hens who can lay golden eggs!"

"This is still early!"

"Mr. Liu, you are so modest!"

The two of them had a drink from time to time while chatting, and they were very scheming.

Until Liu Xiahui accidentally mentioned that the Liu Group's funds were still short of funds and that there were still many projects that wanted to go on but did not have enough financial support, Li Wencheng finally found an opportunity.

"Mr. Liu, haven't you said that our branch has deposit and loan tasks that can ask you for help at any time? I thought Mr. Liu, your Liu Group, was not short of funds, so I was embarrassed to speak out."

Li Wen became more and more excited as he spoke, and said with a smile: "Who would think that Mr. Liu, your Liu Group, is short of funds? Then I can't help but say that if you lack funds, I'm looking for me. I'm worried about how to complete the loan task assigned by the branch!"

Liu Xiahui smiled and said, "That's great. My original plan was to wait until the roast duck chain and the roast goose chain completed its layout in Guangdong Province and its profitability soared before starting other projects.

Since Li Xing, you have a loan task, I will start these projects in advance, so that it will benefit both of us!"

Li Wencheng nodded repeatedly and said, "Win win-win is the basis of long-term cooperation. I wonder how much money you need, Mr. Liu?"

Liu Xiahui said: "My group has never borrowed money, so I don't know how much I can borrow?"

Li Wencheng smiled and said, "Mr. Liu, your Liu Group not only owns a lot of real estate, but also has such strong profitability. The group has huge potential and extremely low risks. It may be difficult to borrow 1 billion or 8 billion, but it is definitely not a problem to borrow 300 million or 500 million!"

Liu Xiahui nodded and said, "Then you can do it, Li Xing, it doesn't have any impact on me. Anyway, the loan amount will be helpful to Li Xing, so I will borrow as much as I can!"

Li Wencheng quickly picked up the wine glass and said, "Mr. Liu, I won't say much about thanks. Everything is in the wine. I'll toast you!"

Liu Xiahui also picked up the wine and clinked his glasses with him, saying, "You don't have to be polite to Li Xing, this is also good for me!"

Li Wencheng silently remembered this favor in his heart, raised his glass and said, "Cheers!"

Liu Xiahui smiled and said, "Cheers!"

...

The original plan of killing three birds with one stone has been completed now, and Liu Xiahui is still very satisfied with this.

Of course, Liu Xiahui doesn’t have to go to the next loan procedures personally. After all, this is a group loan, not a personal loan. Liu Xiahui, the boss and chairman, just needs to sign the key documents and it’s OK.

Since Liu Xiahui said that the loan would not affect him, Li Wencheng naturally applied for the loan according to the highest plan of 500 million.

With this 500 million loan, their branch can exceed the loan task this year!

The loan is handled very smoothly. As long as a high-quality group like Liu's Group publishes its turnover and profits, it is easy to find a bank to borrow 300 million or 500 million.

With Li Wencheng, the branch president, the procedures were handled very quickly. In less than a month, he entered the account of Liu's Group for a total of 500 million yuan.

With these 500 million yuan, the Liu Group's funds are unprecedentedly sufficient.

Therefore, the seafood building chain plan that had been temporarily stopped was launched again.

Under the interference of Liu Xiahui, the owner with obsessive-compulsive disorder, the seafood building chain plan is the same as the previous roast duck and roast goose chain. It does not intend to rent a shop to operate it, but plans to buy land to build a seafood building by yourself.

Moreover, the construction standards of Liu Xiahui have been set.

In the four super first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen, the construction funds for a seafood building are the highest of 50 million.

First-tier cities have 40 million construction funds.

Second-tier cities have 30 million construction funds.

Third-tier cities have 20 million construction funds.

Fourth-tier cities have 10 million construction funds.

This construction fund includes land purchase, building construction, decoration, opening and other expenses.

According to the current city ranking, no city in Guizhou Province, including the provincial capital, is qualified to enter the second-tier city. It was not until more than ten years later that the provincial capital was able to provide the development of the provincial capital with the whole province, and the provincial capital was barely qualified to enter the second-tier city.

After setting the standards, the rest will be left to the general manager He Hongwen, and the main development place will naturally be Guangdong Province.

From site selection to buying land to building a building, and then decorating and opening a business, this is not something that can be completed in a short time.

When the seafood building chain plan was launched, the 20 million investment in Hesha Town had already been in place. At present, pig farms and feed processing plants were in full swing. The slaughterhouses and sausage processing plants had also selected sites and construction could be started at any time.

The 20 million investment brought by Hesha Town alarmed the county leaders. At a meeting of the county government, the county magistrate praised Hesha Town, making the secretary and mayor of Hesha Town never stop smiling during this period.

As the first hero of the investment of 20 million yuan, Liu Yuanqing, the deputy mayor, also made a name in the hearts of the county leaders. He achieved such impressive political achievements in less than three months after taking office. It can be said that he has a bright future.

In a blink of an eye, 2003 came to an end.

On December 30, Xiangjiang superstar Mei passed away.

When the news came, Liu Xiahui couldn't help but sighed. He wanted to go to watch Sister Mei's farewell concert in November, but he still didn't go there in the end.

Because he couldn't stand the sad parting scene.
To be continued...