Chapter 1387: Loan

"Are you really planning to take out a bank loan?"

News spread quickly, and by evening, even Xue Yuanfang had heard about Zhao Fusheng's intention to borrow from the bank, even calling him specifically.

"Even you know about it." Zhao Fusheng smiled upon hearing this. "I have this idea, but nothing is certain yet."

This was the truth; he was currently in a hesitant phase, which was why he had discussed it with Zheng Yao. He just hadn't expected her to tell others.

"If you ask me, you should have done this long ago." Xue Yuanfang said bluntly. "It's good that the company has no negative assets, but the problem is, how many businesses today aren't operating on debt? If everyone did it your way, the banks would have closed long ago."

He spoke from the heart. The vast majority of enterprises operate by borrowing from banks, then investing to earn profits, thereby growing and strengthening themselves.

But Future Group was different; it never asked for favors, striving for self-sufficiency, preferring to develop slowly rather than borrow from banks. This was said to be Zhao Fusheng's rule.

In Xue Yuanfang's view, Zhao Fusheng's rule was simply too foolish.

What is the essence of business?

The essence of business is making money from money. Zhao Fusheng's step-by-step approach was certainly stable, but the problem was that it dug a hole for himself, shackling his own progress.

"You're not entirely right." Zhao Fusheng smiled and said casually, "It's not as exaggerated as you think. I'm just hesitating whether to expand the current projects or hold off for now."

"What, do you think you've spread yourself too thin?" Xue Yuanfang was taken aback. As head of the company's PR department, he knew that Future Group's subsidiaries were involved in many industries, especially Future Investment, which was a shareholder in multiple companies.

Zhao Fusheng nodded. "It's a bit troublesome. Several companies are developing well. If I want to maintain my position as a major shareholder, I need to increase my holdings, and that's no small amount."

Xue Yuanfang paused, then frowned, speaking seriously, "Can't you make some trade-offs?"

"Trade-offs?"

Zhao Fusheng smiled bitterly. "You know, I've already sold some shares in the US. Though it was for other reasons, honestly, I'm still unwilling."

Xue Yuanfang fell silent. Though he wasn't Zhao Fusheng, he could understand his feelings. Having to give up a good project after all the effort was not a pleasant experience.

"In that case, I'll help contact the bank, and you can discuss the details with them later." Xue Yuanfang said after a moment.

Zhao Fusheng nodded. "Handle the specifics with Zheng Yao. I won't get involved."

After all, the CEO was Zheng Yao. Zhao Fusheng, as chairman, could make decisions, but execution was up to her.

"Alright, I understand." Xue Yuanfang nodded and hung up.

Putting down the phone, Zhao Fusheng let out a long breath.

With Xue Yuanfang's help, the loan issue shouldn't be a problem. After all, the Xue family still had considerable influence in the capital.

Future Group, as a company with good asset conditions, wouldn't find it difficult to obtain a loan. Banks were eager to lend to such companies because their repayment ability was evident.

For example, a beggar going to a bank for a loan would be refused because the bank knows he has no means to repay. But if a wealthy man goes to borrow, the bank would be happy to lend more, as it can recover the principal and earn more interest.

That's just reality.

Why are there always various scandals when companies seek loans? The reason is simple: loans require qualification reviews, and many companies don't meet the criteria.

But under various influences, banks have to lend out money, which eventually becomes bad debts, and the loss falls on the state.

…

…

Xue Yuanfang acted quickly. A week later, the China Construction Bank formally reached an agreement with Future Group, providing a loan of one billion yuan.

When this news broke, Future Group once again became the focus of online and media attention.

After all, for a private enterprise to receive such a large loan meant it had gained high recognition from the China Construction Bank.

Some reporters interviewed a senior executive from the China Construction Bank, bluntly asking if there was any underhanded dealing.

The bank's response left everyone stunned.

"To be honest, based on our assessment, Future Group could have obtained a larger loan, but their management indicated they only needed this amount for now." The bank's representative's answer left everyone speechless.

Media reporters are adept at analysis. As bystanders, they always find the most useful details.

Now, the reporters keenly detected the key point from the bank representative's statement.

According to the bank, Future Group's asset evaluation was high, so they could have gotten more, but Future Group declined.

That meant Future Group's actual assets were certainly more than one billion yuan.

"What's going on with this company?"

Curious, reporters began investigating Future Group in detail.

A few days later, the results left everyone dumbfounded.

A comprehensive conglomerate spanning multiple industries with annual profits exceeding one billion yuan, yet it only borrowed one billion yuan? Was the management of Future Group out of their minds?

That was the reporters' only thought at the moment.

In their logic, a profitable company should expand rapidly, rolling like a snowball with bank loans. But Future Group did the opposite, being so cautious that nothing could be said.

If all the data weren't so real, the reporters would have thought the company's boss didn't understand business management.

With these questions, many reporters began calling Future Group's PR department, hoping to understand what was really going on.

But Zhao Fusheng was completely unaware of this uproar, as he was now entangled in a more troublesome matter.