Reborn as Zhao Ruilong of Handong, I will defy fate.

Chapter 431 Ouyang Jing's Cunning Calculation! There's no such thing as a free breakfast!

early morning.

As soon as the alarm clock rang, Ouyang Jing hurriedly got up.

I turned off the alarm in the dark, put on a coat, and quietly closed the door before heading to the kitchen.

Normally, Ouyang Jing only needs to prepare breakfast for her family of three, and she can just make something simple.

But Zhao Ruilong came to visit last night, so today's breakfast naturally has to be extra lavish.

Pushing open the kitchen door, she thought that after her husband Li Dakang finished having a late-night snack with Zhao Ruilong, he would simply tidy up the table and throw the dishes in the sink.

To my surprise, there wasn't a single empty bowl or plate in the sink, and even the stove was spotless.

"Good for you, Li Dakang!"

"Zhao Ruilong didn't come to the house, you're as lazy as a pig."

"The moment he came to our house, you suddenly became so diligent!"

While complaining, Ouyang Jing started cooking porridge and preparing ingredients.

Worried that Zhao Ruilong had a big appetite, Ouyang Jing specially steamed an extra tray of steamed buns.

Just as she was busy and enjoying herself...

"Mom, hurry up, I'm going to be late!"

Hearing her daughter's loud calls, Ouyang Jing was startled.

He grabbed the spatula and rushed out of the kitchen.

"Keep your voice down, we have guests!"

Li Jiajia, still half-asleep, sat at the dining table and looked up to ask:

"Who is it?"

"Of course it's your Uncle Long!"

"what?"

After exclaiming in surprise, Li Jiajia suddenly stood up.

"When did Uncle Long arrive?"

"last night……"

Before Ouyang Jing could finish speaking, Li Jiajia went straight to the guest room.

"Hey, you stop right there!"

"I'll go say hello to Uncle Long!"

"You're not allowed to go! He had a late-night snack with your dad last night and they're sleeping now!"

"Oh, I was just saying hello. Otherwise, I would have gone to school after breakfast and he would have been gone by the time I got back!"

"..."

Ouyang Jing was stunned and speechless.

Hearing the sizzling sound coming from the kitchen, she didn't even bother to call her daughter back, and quickly turned around and went back to the kitchen to stir-fry.

Although Zhao Ruilong's daughter, Li Jiajia, who is in junior high school, doesn't see him often, they get along quite well.

Ouyang Jing felt that the biggest reason was not that her daughter knew how powerful Zhao Ruilong's background was, but simply that Zhao Ruilong was particularly generous and magnanimous.

Especially when other students could still listen to music on cassette tape recorders or CD players.

She started using the MP3 music player that Zhao Ruilong gave her, which was exquisite, compact, stylish and avant-garde.

This unique sense of superiority was enough to make her exceptionally close to Zhao Ruilong.

not to mention……

The electronic products Zhao Ruilong gave to his daughter were not just an MP3 player.

She uses an electronic dictionary for reading, plays on her desktop computer in her spare time, and only carries her mobile phone with her on holidays...

Many of the electronic products were gifts from Zhao Ruilong, and he also gave her what seemed to be a high-level QQ membership.

In addition, Zhao Ruilong is unlike other elders who, when they see the child, will not say things like "You've gotten darker, thinner, taller, or fatter," but will ask about the child's grades, whether the child is dating early, and so on.

Zhao Ruilong talks about things that young people are interested in, such as games, anime, pop songs, and celebrity gossip. This has led to Wang Dalu, who often comes to his house, having a worse relationship with his daughter than Zhao Ruilong, who rarely comes.

Knowing that her daughter's departure would surely wake Zhao Ruilong, Ouyang Jing hurriedly prepared breakfast.

One operation was as fierce as a tiger's.

Breakfast is finally ready and I'm about to serve it.

Husband Li Dakang appeared lazily at the kitchen door, wearing pajamas.

Wow, breakfast is so plentiful today!

"Nonsense! When we have guests at home, can we be as casual as usual?"

"Wife, you are so nice!"

"You big dummy, why aren't you serving it up yet?"

"Yes, yes, yes, your subordinate obeys!"

Li Dakang started bustling around carrying plates to the table.

After the last dish was served, they began to serve the porridge.

"Hey, let me ask you, after you two finished your late-night snack last night, why did you think of cleaning up the kitchen? That's not like you at all, Li Dakang!"

"Can't I be diligent just this once and help you with the housework?"

Li Dakang chuckled.

Ouyang Jing snorted coldly: "Don't give me that crap. I bet Ruilong wanted to help clean up after we finished eating, so you had to show how hard you could work, right?"

Li Dakang gave an awkward smile, which was taken as tacit agreement.

After rolling her eyes, Ouyang Jing didn't want to say anything more.

Now her husband is the top official in Lüzhou City.

He's a high-ranking local official, a person of real power.

Even if he goes home and doesn't do any housework, that's to be expected.

Otherwise, without him, how could I have become the vice president of Luzhou Commercial Bank?

of course.

The couple owes their current job titles and ranks primarily to the Zhao family.

"By the way, it's almost October, and our bank has only just completed half of its loan target. Do you think I could ask Ruilong for a favor?"

Ouyang Jing's question made Li Dakang laugh.

"Why would you need his help? Does Huilong Group look like it's short of money?"

Ouyang Jing sighed and said, quite dejectedly:

“I know he’s not short of money and doesn’t need to take out bank loans. He has invested in good companies and doesn’t need loans either.”

"But the problem is that I'm a new official, and I need to achieve something to win over my subordinates!"

"Of course, many companies come to our bank for loans, but what if I encounter some sham applicants right after I take office?"

Li Dakang stopped smiling and said in a serious tone:

"I know you want to produce results as soon as possible, but you're also afraid of the risks."

"If Ruilong can recommend some companies for loans, you won't have any concerns."

Ouyang Jing laughed and said, "Of course, not to mention anything else, his Huilong Group is a golden brand!"

"Moreover, the companies that follow him are all doing very well, and it's practically impossible for them to default on their payments!"

Li Dakang gave an awkward smile, spread his hands, and said:

"But if they can raise the funds themselves, why do they need to take out a bank loan?"

"Money borrowed from banks not only needs to be repaid on schedule, but also interest needs to be paid."

"As for those high-tech companies that follow Ruilong and have obvious growth potential, there are plenty of investors willing to invest in them. Who would be so foolish as to seek bank loans?"

Ouyang Jing said with a bitter face, "That's why I said I needed to ask Ruilong for help!"

"Sister-in-law, what are you talking about? If you need my help with anything, just tell me!"

Zhao Ruilong walked over with a smile, and Li Dakang and Ouyang Jing immediately stood up.

"It's nothing really. It's just that our bank is still short of its loan target for this year. If you need money for your business, I can arrange a loan with the lowest possible interest rate!"

As soon as Ouyang Jing finished speaking, Li Dakang added:

"If it is a high-tech enterprise that meets the policy requirements, it can also enjoy official loan interest subsidies, which is almost equivalent to getting money for free!"

Wow, is there really such a good thing?

Zhao Ruilong deliberately feigned disbelief.

He certainly knew that the difficulty in financing for businesses only applied to small and medium-sized enterprises without connections or background.

For truly powerful large companies and enterprises, banks are practically begging to lend them money, hoping they'll lend as much as possible.

With the right connections and background, one can naturally enjoy various policy benefits, such as the loan interest subsidies mentioned by Li Dakang.

The loan interest rate that was originally four or five percent might only be two or three percent after receiving government subsidies...

Once you can enjoy such low loan interest rates, the benefits are numerous.

Whether you lend it to someone immediately or invest it in stable financial products, you can make a profit without losing money.

Even if it's truly the case that the borrowed loans are used for normal business operations, the cost of capital can still be lower than that of other companies.

and so……

Ouyang Jing and Li Dakang are practically throwing money away for me!

Of course, the money given wasn't theirs, but the money of ordinary people.

After all, the loans issued by banks are money deposited by ordinary people, and the interest subsidized by the government is also taxes paid by ordinary people.

"Others may not have it, but you must!"

"Huilong Group's strength is evident to all."

"Your bank will lend you the money, so you don't have to worry about bad debts at all."

Amidst laughter and conversation, Ouyang Jing invited Zhao Ruilong to sit down.

As a husband, Li Dakang naturally wanted to complete the task for his wife, Ouyang Jing.

So the two of them worked together, eating breakfast while trying to persuade Zhao Ruilong to take out a loan.

Zhao Ruilong, of course, could not refuse.

It can help my sister-in-law complete her annual task ahead of schedule, and also get a large low-interest loan.

Isn't this a win-win situation?

The reason I didn't take out bank loans before wasn't because I was worried about not being able to repay them, but because I could keep bringing money back from abroad, so there was no need for loans, and I didn't want to be subject to various investigations by banks because of loans.

It's different now.

They've gained both strength and fame.

Although I can still make money overseas, there are just too many places to invest and spend money.

We need to research better semiconductor materials, build high-precision lithography machines, develop high-speed rail, satellites, and large aircraft, and develop new drugs and medical devices...

In addition to the numerous scientific research projects that require continuous financial investment, high-speed rail projects, wind power projects, ultra-high voltage power transmission projects, automobile manufacturing bases, and so on also require substantial investments.

Since the goal is to make money together and form a strong community of shared interests, Zhao Ruilong would not allow Huilong Group to bear the huge investment expenses alone.

As a result, joint-stock companies like Land Rover have emerged one after another, raising huge amounts of funds to accelerate their development through capital increases and share expansions.

To accelerate a company's growth, in addition to financing, it also needs loans and even an IPO.

Since Ouyang Jing, representing Luzhou Commercial Bank, is willing to provide a large loan.

Li Dakang was also able to make decisions on behalf of Luzhou City, providing loan interest subsidies to high-tech enterprises.

So what are you waiting for?

Just like COMAC and COMAC, which are developing large aircraft and engines, burning through hundreds of millions of yuan a day, they should also seek bank loans instead of relying on Huilong Group for financial support.

Just like the large number of projects that have already started construction in Xirong, such as wafer fabs, software parks, electronics factories, and automobile manufacturing bases, most of the funding actually comes from loans from local banks.

This is also the advantage of a company with a big reputation and strong strength. As long as you are willing to invest, land is almost given away for free, taxes are guaranteed to be reduced or exempted, and banks will also provide low-interest loans, which means that you don't need to spend much money yourself.

In short.

Huilong Group, as the parent company, does not need loans.

But for the companies that are incubated, low-interest loans are always a welcome bonus.

The more money you get in loans, the faster you can achieve results with the help of funds.

When a bank has a lot of money owed to you, it will treat you like a treasure and be afraid that something might happen to you.

and so……