Rebirth to 90s: Start from Scratch

After a few words of politeness, the three of them took their seats, and Shan Hong said, "Boss Zhang, I will bring another person today. It is the customer manager of our bank. Would you like to meet?"

If they cooperate in the loan, it must go through the customer manager, who is mainly responsible for the loan business.

Zhang Qianxiu nodded: "See you, everyone will be their own in the future."

"The boss, wait a minute, Lin Qi, go and call." Shan Hong said.

Lin Qi immediately got up and went out to call someone.

After a while, Lin Qi brought a middle-aged man back, in his early forties, in a suit and leather shoes, and wearing a pair of glasses, looking gentle.

"Hello Boss Zhang!" The middle-aged man greeted first: "I'm the bank account manager, Han Zhuoyue."

"Hello, Manager Han!" Zhang Qianxiu stretched out his hand and shook hands with Han Zhuoyue.

"I will ask Boss Zhang for more advice in the future." Han Zhuoyue was very polite, using both hands when shaking hands.

"I can't tell you how to give advice. In the future, everyone will be their own, learning from each other and working together, and Manager Han will sit down!" Zhang Qianxiu also just said politely.

Although the two parties have to cooperate in the banking system to gather wool, but this is driven by interests. When it comes to friendship, it is ordinary. Even with Shan Hong and Lin Qi, Zhang Qianxiu does not think there is too much between them. Friendship.

After everyone sat down, the dishes began to serve.

Waiting for the dishes to be ready, Zhang Qianxiu took the initiative to say: "President Shan, Manager Han, you guys tell me how to operate this matter, what I want to do, and what you want to do. I also have a bottom line in my heart. ."

Shan Hong glanced at Han Zhuo and motioned for Han Zhuo to speak.

Han Zhuoyue took out a document and handed it to Zhang Qianxiu: "Boss Zhang, this is the information I compiled. It is basically internal information. It is all about loans. You can check it out when you go back."

"As for the operation of the loan, let me talk to you roughly."

"The first is interest-free loans. Our bank has a loan line of up to 500,000 yuan a year, but these must be reviewed and very strict. Personal entrepreneurial loans cannot exceed 5,000, and self-employed expansion cannot exceed 20,000. There is a certain proof of assets, or proof of turnover."

"Secondly, loans are not completely unrequired. These are entrepreneurial loans. In other words, the people below have taken loans and we have to verify them, and the people above will also come to spot checks."

"With a loan of five thousand to open a shop, then there must be a certificate of opening a shop, and a certificate of breeding must be provided for breeding."

"These proofs, we can do tricks, but if the people above come to spot check, if they don't, there will be trouble."

"If there are three random checks and one person has a problem, they may not continue the random check, but if the three are randomly checked, all three of them are false, and they will definitely continue to check."

"Even if you are starting a business, you have to do something, such as opening a store in the market, they might ask the people in the market if there is such a person who has opened a store before."

Zhang Qianxiu asked, "Is the investigation very strict?"

Han Zhuozhu said: "From a system perspective, it is very strict, but in fact, some can give red envelopes. If we meet those who are willing to accept it, it is good to say that they will let us take out the information of several lenders to check. If you choose one yourself, there will be no problems. If you encounter someone who is unwilling to accept it, then the trouble will be big."

Zhang Qianxiu thought for a while and asked, "Does this check every year?"

"We will meet here, but other places are not necessarily." Han Zhuo said: "If Boss Zhang, you can get 30 shops or factories to get loans, and each loan is 10,000 to 20,000. These shops and factories are all Really, even spot checks, there is no problem at all, as long as these shops admit that they can borrow money on their own."

"Or there can be twenty, each with a loan of 20,000, you can fish out 400,000 of the interest-free loan, and then find a few villagers’ ID cards to borrow, each with a loan of 5,000, and then in the village. I’ll ventilate everyone and let everyone help and say that I have indeed taken a loan to start a business."

"Or let the people around you say that you don't know it, but whoever uses an ID card to borrow money must admit that he did take out the loan and explain the purpose of his money."

"If you have more ID cards, you can borrow less. An ID card is three to five hundred, and it is basically impossible to conduct random checks.

"As long as these are done, even if someone checks it, nothing will happen."

Zhang Qianxiu thought about it in his heart. He had two factories and one store in his hands, and he could count that warehouse as well, which would be four.

There is still a long way to go from twenty.

If you take the one from Sun Daxi and use it, the problem shouldn't be big, maybe there are a few.

Don't worry about Tao Lijun's side.

Zhang Qianxiu suddenly thought of one thing, and that is the lottery shop. Why are there four or five open now? At that time, you can ask Sun Daxi, these lottery shops are all real.

Moreover, Sun Daxi's problem will not be too big.

With this interest-free loan, Zhang Qianxiu has almost no risks. Almost all the risks are borne by the bank and the person borrowing the ID card, but Shan Hong and Han Zhuoyue will be fine as long as they pass the review.

"I should be able to solve this." Zhang Qianxiu said, "What about other loans?"

Han Zhuoyue said: "Apart from interest-free loans, that is low-interest loans. If we want to get low-interest loans, it is best to have collateral. Under normal circumstances, we can borrow 60% of the estimated price of the collateral. , The maximum is 80%, but if some official support documents can be obtained, this means that the official is optimistic about the factory or company and is willing to give some tax support, and the loan may reach 100% of the collateral. "

"If you want to get 100%, you must be officially optimistic about and support companies, and there are talented companies inside the bank, otherwise the average person will get at most 80% of the valuation of mortgage shares."

"On the bank side, we can do it. Officially, if Boss Zhang has a relationship to do it, it would be even better."

Zhang Qianxiu asked: "What are the specific collaterals?"

"Bank wealth management products, real estate, equipment, etc., there are actually many, but they are generally these." Han Zhuozhu said.

Zhang Qianxiu nodded slightly and said, "Let's do it! How much do you have interest-free loans remaining this year?"

"More than 300,000 points, hundreds of thousands have already been loaned out." Han Zhuoyue is very clear about this.

"Okay, let's find a way to get the interest-free loan first." Zhang Qianxiu thought for a while and asked: "There is basically no problem with these. Specifically, I will go back and look at the information. If you have any questions, I will ask you again."

"The other thing is, how do we divide our profits?"

Speaking of sharing the spoils, Shan Hong and Han Zhuoyue both sat upright. They also took risks, not for these profits?

Shan Hong said, "Boss Zhang, I have discussed with Manager Han. We account for 50%, and you account for 50%, Boss Zhang."

Zhang Qianxiu shook his head: "I want 80%."

Both Shan Hong and Han Zhuoyue were taken aback: "Boss Zhang, 80% is too much. In this case, the two of us took such a big risk. Each of us took 10%. This...no, 50%."

Zhang Qianxiu said: "President Shan and Manager Han, you two are both risks and opportunities. If we do this for two or three years, your performance will definitely be beautiful. If you make money, you can go a step further. ."

"But I have to take a lot of risks. At that time, almost all of my assets will be mortgaged. If there is a problem with the money, I will basically lose all my underwear."

Shan Hong said: "Boss Zhang, if this matter is exposed, our two jobs in the bank are basically finished, and we may go to jail."

Zhang Qianxiu said, "President Shan, you are talking about the worst case. We have all been known about our affairs, and we were caught with evidence."

"At that point, I won't be able to run all the time. In this respect, our risk is the same."

Han Zhuoyue insisted on shaking his head: "Twenty percent is too low. We must account for at least 45 percent. We can make five percent of the profits."

"Boss Zhang, you alone account for 55 percent, and the three of us account for 45 percent."

Zhang Qianxiu glanced at Lin Qi. He was curious about what role Lin Qi played in this.

"How much does Miss Lin want to divide in this?" Zhang Qianxiu asked.

Lin Qi has not spoken today. At this time, Zhang Qianxiu asked and said, "I fixed 15% of their two shares."

In other words, if Shan Hong and Han Zhuoyue take 50%, Lin Qi will get 15% of their 50%, which is about 8% of the total.

Zhang Qianxiu asked: "I'm very curious, what does Miss Lin want to do for us?"

"There is a special review department for loans, and I know people in it."

The bank's review is separated separately. The bank submits the loan information, the review department approves the contract, and then releases the loan.

Zhang Qianxiu was curious. Shan Hong and Han Zhuoyue didn't know the people in the audit department. How did Lin Qi meet? It seems that the relationship is pretty good.

However, Zhang Qianxiu did not follow the root problem, but said to Shan Hong and Han Zhuoyue: "You three, I can take a step back, I want 70%."

Zhang Qianxiu was actually very satisfied with 50% in his heart, but at this time, he always had to fight for it. It is always good to have more.

Shan Hong shook his head: "Boss Zhang, it's forty-six, we need 40% at least."

"As long as we don't have any problems, Mr. Zhang, your assets will be perfectly fine, and the main source of our profits is interest-free loans and low-interest loans. Even if we borrow for five years, we won't have much profit."

"With interest-free loans, we take more risks."

Zhang Qianxiu said, "President Shan, you told me last time that if you can borrow one million, in fact, interest-free loans and low-interest loans make the same amount of money every year."

"Interest-free loans, up to 500,000 yuan, you can get 16% interest; five-year low-interest mortgage loans, you can suppress the annual interest rate of 8%, 500,000 interest-free one year With an interest of 80,000, a low interest rate of 1 million can earn 80,000 a year."

"If I put out 1 million assets to mortgage, I have invested more than you, and an interest-free loan of 500,000. You need so many shops or factories and personal ID cards to take out loans. There is no way to do it, I still have to find a way."

Lin Qi asked, "My friend, can you take out a million loan collateral?"

"Give me half a year, only high and not low, there are only a few months left this year, I may not be able to produce so much." Zhang Qianxiu said confidently.

Shan Hong, Han Zhuoyue, and Lin Qi were silent, but in the end, Shan Hong still shook his head: "Boss Zhang, 4 or 6 is open. Even if you put out a 2 million mortgage, we can still accept 4 or 60."

"You alone account for 60%. Or we don't make low-interest loans, but only interest-free loans, boss Zhang, you get 50%."

Zhang Qianxiu didn't know what Shan Hong was afraid of, but looking at his attitude, 46 was really his bottom line.

10% more than five-five, that's great!

Zhang Qianxiu is no longer entangled with this profit: "Then, just let the president of the bank. What do you need for a store loan? Tell me, I will find a way to get it in the past two days."

Han Zhuoyue said: "The relevant certificates of the store, the type of operation, the approximate profit, the sales, and the owner of the store must be present to sign at that time."

"For personal loans, as long as you bring your account book and ID card, you need a certificate for the business loan, and you can find it in the village or the market."

Zhang Qianxiu asked, "Can the market in our county seat be opened?"

"Yes, it needs to be stamped." Han Zhuoyue said.

This is not a big problem. Although Zhang Qianxiu doesn't go to the market often, he has a good relationship with market management. When the time comes, give a gift, please have a meal, and let them issue a certificate.

"No problem, I will go back and study the mortgage loan." Zhang Qianxiu said, "After three days, I will bring a part of the interest-free loan information."

"I have something to do, so I'll leave first, and I won't accompany you."

Zhang Qianxiu picked up the information given by Han Zhuoyue and stood up.

Shan Hong, Han Zhuoyue, and Lin Qi also stood up.

Shan Hong said, "Boss Zhang, leave without a drink? You didn't eat this meal."

Zhang Qianxiu looked at the time and said, "It's still not possible. My wife is in the country, and I have to pick her up."

"It's still early, let's not drink too much, and celebrate." Han Zhuoyue also persuaded.

In the end, Zhang Qianxiu still didn't walk away and stayed for a few drinks with him.

It was said that it was a few drinks, but it took more than an hour to drink. At half past nine, Zhang Qianxiu insisted on leaving no matter how the three of them stayed.

Zhang Qianxiu walked to the door, and Lin Qi smiled and asked: "Boss Zhang, you wouldn't deliberately make excuses to slip away, right?"

Zhang Qianxiu smiled bitterly: "Miss Lin, you are a vixen. Except for my wife, I really won't give up the opportunity to drink with you because of other things."

Lin Qi knew that although Zhang Qianxiu said that, there was something urgent. Zhang Qianxiu would not be delayed by drinking with her, but Zhang Qianxiu's words were clearly telling her that in Zhang Qianxiu's heart, his wife was the most important.

Lin Qi felt a little disappointed, but smiled on her face and said, "Boss Zhang, next time we have a chance to have a drink, we will wait for your daughter-in-law to have something to do."

While talking, Lin Qi also cast a wink at Zhang Qianxiu.

Zhang Qianxiu smiled softly: "I'll talk about it then, but my wife is very idle, I guess I won't find such an opportunity. Miss Lin, you drink slowly, I will leave first."

After Zhang Qianxiu finished speaking, without waiting for Lin Qi to speak, he turned and walked downstairs.

When he got downstairs, Zhang Qianxiu asked Dai Yingwu to make himself a small bowl of clear soup, adding a little green vegetables and a little salt.

He had just drunk, and although he was not drunk, Zhang Qianxiu was really afraid that he could drive unsteadily.

The habit of drunk driving is everywhere in this age. Zhang Qianxiu wondered whether he should find a driver for himself. Drunk driving is not a good habit. You are not afraid of 10,000 if something goes wrong, just in case!