Even the 200 million in emergency company funds was sucked into the stock market. At this point, how is there any money left to repay the Construction Bank loan?

"Chairman Ge, rest assured. We've worked together for so many years. Do you still doubt my credibility, Zhu Hongye?"

"Hahahaha, of course, I trust Chairman Zhu's credibility. However, you must understand, I'm just a branch chairman. My authority is quite limited. Now that the head office is directly involved in this loan issue, it's really become complicated for me.

I don't want to make it difficult for Chairman Zhu either. Just notarize your company's account with our bank, ensuring there's a capacity to repay. That way, I can report back to the higher-ups."

Zhu Hongye knew he couldn't just brush things off and stopped concealing, directly stating: "Chairman Ge, I believe you're aware of our current situation at Hongye Building Materials, so I won't say much more. I need to extend the repayment period for this loan."

On the other end of the call, Ge Aimin responded firmly: "Impossible!"

"Chairman Ge, we've cooperated with your bank for such a long time. Can't you even grant this small request?"

Ge Aimin feigned a difficult tone: "Chairman Zhu! It's not about me not agreeing. It's the head office that's not agreeing. You know our bank has a risk control system. The risk index for your loan from Hongye Building Materials is too high. The head office has repeatedly ordered us to recover the loan immediately. What can I do as a branch chairman?"

Zhu Hongye took a deep breath, calmed down, and continued: "Regarding this loan, I will definitely give Chairman Ge a satisfactory answer, but I have another request I hope you can fulfill."

"Please go ahead, Chairman Zhu."

"Last time, I pledged 20% of my private shares for a 1 billion loan. Now, on behalf of the board of Hongye Building Materials, I'm offering a 50% share pledge for a 1 billion loan. The interest can be above market rate."

There is no way out. If there's no sufficient funding to sustain the market now, the market value of Hongye Building Materials might really fall back to 2 billion like ten years ago.

After hearing Zhu Hongye's words, Ge Aimin sighed softly. Although he didn't directly refuse, it was almost the same as a refusal.

"Chairman Zhu, our head office's assessment of your company has already been completed. Even with a 100% equity pledge, you can only get a maximum loan of 1 billion, let alone attempting a 10 billion loan with just 50% shares."

"The market value of Hongye Building Materials is at least 5 billion! How come 50% of the shares can't even get a 10 billion loan?"

"Today, the market value might be 5 billion, but tomorrow it could be 4 billion. Plus, your company's current debts amount to 1.6 billion. We truly can't lend any more money to you.

Moreover, besides our Construction Bank, the other three banks of Hua Nonggong won't lend to you either. Chairman Zhu, please consider how you'll resolve the crisis of Hongye Building Materials. I have other matters to attend to, so let's leave it here for now. Our bank's notary will visit your company tomorrow. If Chairman Zhu's company can't come up with 1.0375 billion, we'll start mandatory collection procedures as per the agreement."

With that, Ge Aimin directly hung up on Zhu Hongye.

After hanging up, Ge Aimin smiled at the people around at the gathering and said, "Just some work-related issues. I hope you all don't mind."

Except for him, every branch chairman from Shanghai's divisions of the big four banks of Hua Nonggong was present. In the main seat was a young man dressed in a gray casual suit complemented by a brown-orange striped coat casually draped over his shoulders, with a warm smile on his face. His youthful appearance seemed somewhat out of place among the four middle-aged men there.

Zhu Hongye could never have imagined that the opponent he tried so hard to counter was sitting right here, chatting and laughing with the bank chairmen he had placed his hopes on.

Gu Bai raised the glass in his hand with a smile.

"Then, I must thank the chairmen for assisting this time. If there's anything that needs my help in the future, feel free to let me know."

"Chairman Gu, you're too polite. It's no more than lifting a finger."

The information among the four major banks is more or less shared. As for Gu Bai's financial strength, not one at the table wasn't envious. To do Gu Bai a favor for such a trivial matter was practically a sure-win deal.

After all, even without Gu Bai's intervention, not one of the four major banks would have lent money to Hongye Building Materials at this time.

You could only say that they wouldn't have been pressured this hard otherwise.

As the words fell, all the cunning big bank players raised their glasses to clink with Gu Bai's.

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