Reborn Industrial Tycoon

Chapter 231 Li Dashan (still two in one)

There was a photo in the newspaper of Li Weidong taking a group photo with a certain leader. Li Weidong was still holding the sign "Donate 50,000 yuan to Xiangyang Town Electric Furnace Factory" in his hand.

As the company with the largest donation amount, this photo of Li Weidong was naturally selected and printed in the newspaper.

Looking at himself in the newspaper, Li Weidong sighed helplessly.

"I really don't want to be in the limelight." Li Weidong said to himself.

At this moment, a dog barked outside, a disgraceful sound.

Gray-headed and faceless dogs are sensible dogs. There are so many workers coming and going from the electric furnace factory on weekdays, and gray-headed and faceless dogs don't bark randomly. Today, if two dogs barked, something must have happened.

"What happened outside?" Li Weidong walked to the window and looked out.

I saw him barking in the direction of the door with a gray face, as if to warn the people at the door.

Li Weidong immediately looked towards the door and saw a slovenly looking man who was about to break in, but the gatekeeper stopped the man and prevented him from entering.

"What's going on?" Li Weidong frowned and walked towards the door.

"Old Sun, what happened?" Li Weidong asked the gatekeeper.

"This man didn't say anything when he wanted to come in. I didn't let him in, but he insisted on barging in!" Old Sun, the gatekeeper, said.

And Li Weidong, a sloppily dressed human being, immediately knelt down on the spot and said with a tearful face: "Are you the Factory Director Li in the newspaper? Mr. Li Dashan, you have to save our family!"

"I don't know you, right? If you have something to say, just talk directly." Li Weidong added: "I am not a great benevolent person. The title of great benevolent person sounds quite painful."

"Director Li, I know you are kind-hearted and willing to help people. It has been mentioned in the newspapers that you donate money to impoverished mountainous areas. One donation is 50,000 yuan. You have donated more than anyone else in the district. Just show your kindness.

, please donate some to me as well, just think it’s our whole family’s life!” the sloppily dressed man said.

Li Weidong frowned slightly, but still asked: "Speak slowly if you have anything to say, what difficulties have you encountered at home?"

"My mother had a tumor in her belly. She went to the Municipal People's Hospital and needed an operation. However, the hospital had to charge five thousand yuan for the operation. I really couldn't raise that much money. When I saw the newspaper today, I knew

Director Li, you are a great philanthropist. One donation is 50,000 yuan. Can you also show your kindness and donate 5,000 yuan to me? I will repay your kindness by doing anything I can. I will kowtow to you first.

!”

The man in slovenly clothes knelt down and kowtowed to Li Weidong.

"So you don't have money for surgery?" Li Wendong paused and then asked: "Your mother has a tumor in her belly. Is it malignant or benign?"

The sloppy man was stunned for a moment, and then he said, "I don't know. I'm just a farmer, how can I know that?"

"Where exactly does it grow?" Li Weidong asked again.

The sloppy man still shook his head: "As long as it grows in my belly, I am just a farmer and don't understand anything."

"Do you have a doctor's diagnosis?" Li Weidong asked again.

"Diagnostic certificate?" The sloppy man was stunned, and then said: "I am just a farmer, I don't understand anything."

"Without a medical certificate, how do I know your mother's condition?" Li Weidong asked.

"Anyway, the doctor said that the operation will cost five thousand yuan. I don't know anything else." The sloppy man said.

Li Weidong nodded with sudden realization, and then asked: "Then your mother's attending doctor is the doctor from the Municipal People's Hospital? Which department? What is it called?"

"I don't know. I'm just a farmer and don't understand these things. I just know that the tumor in my mother's belly needs to be removed." The sloppy man answered directly.

"I remember that Director Gao of the Department of Endocrinology of the Municipal People's Hospital specializes in performing tumor resection surgeries. Your mother's attending doctor should be Director Gao of the Department of Endocrinology, right?" Li Weidong deliberately said the words "Department of Endocrinology"

is particularly clear.

"Yes, that's what Director Gao said. The surgery will cost five thousand yuan." The sloppy man nodded quickly.

"Are you lying to me?" Li Weidong smiled slightly: "As far as I know, the Department of Endocrinology treats hyperthyroidism and diabetes, but regardless of surgery or surgery, you have to go to the Department of Respiratory Medicine."

"I remember wrongly, it's not the Department of Endocrinology, it's the Department of Respiratory Medicine!" the sloppy man said quickly.

"Haha, are you looking for a respiratory department to treat tumors?" Li Weidong smiled coldly: "Scammers these days are not professional enough. They don't do any homework before deceiving people. I really think rich people are fools!"

At this moment, a voice sounded from behind Li Weidong: "Weidong, it's up to me to handle this kind of trouble!"

I saw Ma Zhongyi walking over.

"Do you know this person?" Li Weidong asked.

"I know." Ma Zhongyi nodded and asked Li Weidong to go back first.

Li Weidong nodded and returned to the office first. He saw Ma Zhongyi saying something to the sloppy man. Although Li Weidong couldn't hear it, judging from Ma Zhongyi's stern expression, what he said was probably not a good thing.

After a while, the sloppily dressed man lowered his head and left dejectedly.

Ma Zhongyi walked back angrily.

"Brother Ma, send that liar away?" Li Weidong asked.

"Do you see that this man is a liar?" Ma Zhongyi continued: "This kid is a well-known second-rate boy from all over the country. Originally, his family was allocated several acres of fertile land. If he farmed the land down-to-earth, at least he would not be poor.

Can get a wife.

But this kid didn't learn well. I don't know where he learned gambling. He lost his family's house and land and owed a lot of debt. Now he lives by deception all day long. I didn't expect that this kid deceived us.

Come up."

"Probably because I read the newspaper! I think I am a stupid son of a landlord and easy to deceive!" Li Weidong sighed helplessly.

At this moment, there was another burst of firecrackers outside the gate, followed by the sound of gongs and drums.

"Who has a wife?" Li Weidong said subconsciously.

"This doesn't look like you are marrying a wife! It looks like you are celebrating a happy occasion." Ma Zhongyi pouted and then said, "You don't have to worry about this matter. I'll go take a look."

After a while, Ma Zhongyi returned again and said to Li Weidong: "It was really a surprise. I took two packs of cigarettes and wanted to send them away. I didn't expect these people to ask for money! They really thought that I, Ma Zhongyi, was easy to bully.

It happened! I called a few people and beat him away with sticks!"

"Take them away? There won't be any trouble, right?" Li Weidong asked subconsciously.

"Don't worry, I don't even want to see where this place is! In this Xiangyang Town, no one who is a gangster dares to trouble me, Ma Zhongyi! These few people who are celebrating the occasion probably just came together during the slack period.

In the past, those people who always rushed to celebrate the occasion, when they saw me, Ma Zhongyi, they didn't dare to bargain with me, so they just took two packs of cigarettes and left!" Ma Zhongyi said with a proud look on his face.

He is indeed an old local snake!

…

Li Weidong had just settled down for half an hour when President Wu from the bank came to his door.

"Director Li, I haven't seen you for a while. Your business is getting bigger and bigger!" Manager Wu walked in carrying two bottles of Wuliangye.

Seeing these two bottles of Wuliangye, Li Weidong felt nervous. If a bank comes to give gifts to companies, it must be up to no good!

The two of them sat down separately, and after exchanging a few words, President Wu asked: "Director Li, is your electric furnace factory having no problems with its recent fund operations?"

"No problem! Our funds have always been very healthy." Li Weidong replied.

"Then do you need a loan? I can help you!" President Wu said.

"It turns out they came to me to get a loan!" Li Weidong smiled helplessly and asked: "President Wu, is there any interest on this loan?"

"Of course there is interest on the loan!" President Wu said.

"How much is the interest? Are there any discounts?" Li Weidong asked again.

"Well, loan interest rates are set by the state. Even if I want to give you a discount, I don't have the guts!"

President Wu paused and then said: "Our bank has to be audited every month, and we have to audit it again quarterly and half a year. Although I am a president, I still have to act in accordance with the regulations."

"President Wu, then you are making things difficult for me. The current one-year working capital loan has an interest rate of more than 10%. I don't dare to lend it with an interest rate of more than 1%!" Li Weidong shook his head.

"Director Li has such great benefits, why are you afraid he won't be able to match them!" Manager Wu said quickly.

Li Weidong chuckled: "It's not that I'm afraid of not being able to pay it back, but that I won't need it! I'm not short of money now, and I haven't had any investment projects recently. Isn't it clear that the loan will lose interest!"

From the late 1980s to the early 1990s, it was indeed a phenomenon for banks to come to companies asking for loans, but banks had to charge interest. If the annual interest rate on loans exceeded 10%, banks would of course beg companies to come to them for loans.

If it were in other industries, you could earn more than 10% of net profit just by asking, and the boss would beg for help in every way.

Just listen to Li Weidong ask: "President Wu, many companies are short of funds now. Your bank should not be short of loans. Why do you have to come to me?"

"We don't dare to grant loans to other companies. If the loans are not repaid by then, it won't be our bank that loses! Now our bank has internal requirements to strictly control bad debts. For every bad debt our bank has, I will be the first

Responsible person! This loan cannot be approved easily!"

Manager Wu let out a long sigh and continued: "Last November, the state issued a document requiring banks to tighten money, especially in terms of loans. Companies that cannot guarantee 100% repayment will not be granted loans!

However, our bank still has loan tasks. If we fail to complete the task, everyone will have to have their bonus deducted. Director Li, your factory has always been very profitable, and it still makes money from foreigners. The payment for goods is directly made by the Administration of Foreign Exchange.

Yes, it will not be involved in triangular debt.

If I lend you money, you will definitely be able to repay it, and our bank does not need to bear the risk, so I am here to ask you to lend some money at will to help us complete the loan task!"

Price breakthroughs have led to rising prices of raw materials and commodities across the country. In order to stabilize prices, the country has adopted many macro-control measures. Measures for the banking industry include tightening credit, controlling currency issuance, and controlling the total scale of credit.

The most direct manifestation of these measures is that it has become more difficult to get loans.

After the national policy was issued, banks became extremely strict in loan approval in order to control credit and prevent the occurrence of bad debts.

It is almost impossible for companies that are not operating well to get bank loans through formal channels; and for companies with average operating conditions, banks will not approve new loans for fear of incurring bad debts and taking risks.

However, banks still have the task of providing external loans, which is linked to the bonuses of bank staff. Therefore, companies with very good operating conditions have become the targets of banks for loan approval, because these companies have the ability to repay the loans.

However, companies with good operating conditions have no financial pressure and do not need loans. What's more, loans must also pay interest to the bank, and a loan interest rate of more than 1% is enough to prohibit companies from doing so.

So there is a situation where companies that need bank loans go to the banks, but the banks won't grant them a penny; companies that don't need bank loans, banks come to ask for loans, but the companies are unwilling to lend.

"People are afraid of being famous, but pigs are afraid of being strong! If the photo of me donating to Project Hope hadn't been published in the newspaper, I guess President Wu wouldn't have come to ask me for a loan!" Li Weidong let out a long sigh.

Mr. Wu is not a gambler or a happy-go-lucky person who comes to extort money. Although they are similar in nature, they both want money, but after all, they have a certain social status, and Li Weidong cannot directly drive them away.

Li Weidong thought for a moment and asked: "President Wu, what is the current six-month working capital loan interest rate?"

"11.34%, this was stipulated in February last year and has not changed." President Wu replied.

"What's the half-year deposit interest rate?" Li Weidong asked.

"It's 9%, and it was set in February last year." President Wu said.

Li Weidong recalled for a while and asked: "Is it only 9%? How do I remember that the interest on deposits is more than 1%?"

At this time in his previous life, Li Weidong went to the bank to deposit money, so he roughly remembers that the interest rate on bank deposits back then was more than 10%.

I only heard President Wu answer: "The interest rate of more than 1% requires a deposit of more than one year. The current one-year time deposit is 11.34%, the two-year time deposit is 12.24%, and the five-year time deposit is 14.94%."

The interest rate adjustment in February 1989 was the highest interest rate since the reform and opening up. In April 1990, when the People's Bank of China adjusted the deposit and loan interest rates again, the interest rates would come down.

The reason why there is such a high interest rate is to control prices.

If the interest rate on bank deposits is high, people will deposit their money in banks instead of using it for consumption. In this way, consumer demand can be suppressed, thereby stabilizing prices.

After successfully stabilizing prices, bank interest rates will gradually return to their original state. Therefore, the interest rate quoted by President Wu this time is the highest figure in decades.

Li Weidong thought for a moment and asked: "President Wu, I have an idea. Do you think it will work? I will borrow a working capital loan from you for half a year. After the expiration of the six months, I will renew the loan for another half a year. This will be a one-year loan."

It's been years. And I took this loan and deposited it on a one-year term.

To sum it up, the interest rate on the loan is 11.34% and the loan period is one year; the interest rate on the deposit is also 11.34% and the deposit period is one year. At least I won’t lose money. Your bank has also completed a loan task and completed it again.

Accepted a deposit task.”

"This is a good idea!" Manager Wu nodded with sudden realization: "Director Li, thank you very much!"

At that time, the state-owned banks were not completely self-financed. The salaries of bank staff, like civil servants, were allocated by the finance, while bonuses were paid based on the completion of deposit and loan tasks.

Although the operation of taking a loan to deposit does not bring profits to the bank, it can help the bank complete its deposit and loan tasks, and the banker can also get an extra bonus.

At the end of 1993, the state reformed the financial system and achieved the separation of policy finance and commercial insurance finance. At that time, the four major state-owned banks became real commercial banks and completely embarked on the path of self-financing.

Moreover, the operation of loan and re-deposit can only be done during that period of time, because the country is in need of stabilizing prices and sets the deposit interest rate relatively high, so that there is not much difference between the deposit interest rate and the loan interest rate.

After prices stabilize, the gap between deposits and loans will become wider and wider in the new interest rates announced by the state. This kind of operation of taking out a loan and then depositing it will be completely unfeasible.

Since this plan is feasible, Li Weidong then asked: "President Wu, how much do I need to borrow?"

"Anyway, if we don't lose money, why not lend more, even if it helps us complete the task!" President Wu thought for a while and said, "How about fifty million?"

Li Weidong was shocked. He didn't expect President Wu to be so generous!

The 50 million yuan at that time was enough to buy a piece of land in Pudong and build a real estate! The real estate developers in Pudong New Area have a lot of cards when you think about it.

In normal times, it would be impossible for Li Weidong's electric furnace factory to get a loan of 50 million.

But the plan proposed by Li Weidong is equivalent to the bank's own left hand. It signed the payment agreement and immediately signed the deposit certificate. The 50 million has always been in the bank, and it doesn't even need to be moved. The transaction is done directly from the book.

.

Since it was his left hand and his right hand, there was no risk at all, so President Wu dared to grant a loan of 50 million yuan.

"It seems that no matter what era you are in, there is always a lot of money in the bank!" Li Weidong thought to himself.

However, what Li Weidong and Governor Wu did not expect was that the People's Bank of China adjusted the interest rate in April and lowered the half-year working capital loan interest rate to 9%. In other words, Li Weidong's subsequent six-month loan was calculated based on the loan interest rate of 9%

of.

Li Weidong's one-year deposit still earns 11.34% interest, but Li Weidong earned an interest difference of 2.34%.

…

After seeing off President Wu, Li Weidong felt that he could not continue to stay in the electric furnace factory, otherwise he would have to bother to greet someone else who came to borrow money.

The key is to bring in some reputable people. If you don't borrow it, you will offend people.

So Li Weidong simply left the electric furnace factory and ran back home in a hurry.

Even if you can't afford to provoke him, why can't he hide from you?

Li Weidong also went to the delicatessen on the way and bought some bacon, sausage, air-dried chicken and other things, and took it back to drink for Mr. Li Dengke. After all, President Wu had just sent two bottles of Wuliangye, so he opened one while it was fresh and let the old man have a taste.

After stopping the car and just entering the door, Li Weidong shouted inside: "Dad, Mom, I'm back!"

However, the next second, Li Weidong suddenly discovered that there were several bicycles parked in the yard.

"Is this a guest?" Li Weidong thought to himself, and then walked to the living room.

As expected, there were four or five guests sitting in the living room. Mr. Li Dengke was sitting in the host's seat, talking to the guests next to him.

"It looks like they are acquaintances. My dad knows them." Li Weidong walked into the house and found that the people who came were indeed acquaintances.

The leader was none other than dispatch captain Luo Bing. At this time, Robin was already the director of the Second Freight Division.

In the past few years, Li Weidong has left the transportation company, but he still knows a little about some things about the transportation company.

After Zhu Shicong became the leader of the transportation company, he reformed the transportation company, separated the freight department and passenger transportation department from the transportation company, and established specialized freight companies and passenger transportation companies.

Then Zhu Shicong sent his confidants to serve as general managers of the freight company and passenger transportation company.

After the freight company was established, the original freight department was also divided into freight department one, freight department two and freight department three. Therefore, Luo Bing, the director of freight department two, only had one-third of the power of Zhao Guozhu.

In addition to Luo Bing, the other four guests Li Weidong also knew each other. They were all very skilled drivers in the transportation company.

"Director Luo, why are you here when you are free? Master Fang, Master Huang, Master Huo, Master Ye, you didn't get out of the car today?" Li Weidong greeted a few people.

"You're still driving! You're about to be kicked out of the freight company!" Master Huang muttered.

Li Weidong found a chair, sat down, and asked, "What happened to offend Master Huang?"

Luo Bing took over the conversation and said, "We have all been suspended!"

"Suspended? Why?" Li Weidong asked.

"Because it was a side job." This time it was Master Huo who spoke. He continued: "This kind of thing is very common now. Everyone does it, but only the four of us were investigated. So we were suspended."

The so-called piggybacking of private goods means that during the transportation process, the driver will bring some extra goods. These extra goods are picked up by the driver himself, and the freight is also pocketed by the driver.

Under normal circumstances, this kind of incidental cargo weighs only 180 kilograms, and the owners of the cargo are basically small self-employed people.

Many self-employed people who sell clothes, shoes and small commodities cannot pack a whole truck for transportation. The logistics industry was not developed at that time, so self-employed people could only use drivers to transport goods.

At that time, in state-owned transportation companies, it was nothing new for drivers to do some private work, and the leaders turned a blind eye to this kind of thing.

Luo Bing let out a long sigh: "Actually, it was me who implicated the four masters. This has to start with the transportation agency sales you did back then. I have always been responsible for the transportation company's transportation agency business, and the profits are also

Very impressive.

After the freight branch was established, the newly appointed general manager wanted to take back this part of the business. I didn't agree, so he suspended four masters on the pretext of carrying private goods. The four masters are from our second freight department.

Yes, so I, the director, am also responsible and have been suspended!"

"Director Luo, the new general manager is one of the first things a new official will do when he takes office. Since he wants the freight forwarding business, just give it to him! Anyway, if you make money, it belongs to the freight company." Li Weidong said.

"The key is that they want to eat up this part of the profit." Luo Bing continued; "In the future, the freight part will be given to the freight company, and the profit from sales has nothing to do with us front-line drivers.

It was handed over to the head office and put into the company leader's small treasury."

It is nothing new for any unit with production and operation income to have a small treasury.

Small treasury is basically the private money of the main leaders of the company. In the name of entertaining guests, giving gifts, and doing business, it is not uncommon for them to engage in corruption and monopoly and enrich their own pockets.

"That's it! When I was in the transportation company, I made several million in sales profits through freight forwarding. After prices rise, the profits should be even greater!"

Li Weidong nodded in sudden realization, and then said: "I guess Zhu Shicong has been jealous of the profits from shipping for a long time, and he is quite patient if he can wait until now to take action."

As Li Weidong spoke, he looked at Luo Bing and the four masters, and asked with a smile: "I was the one who started this sales agency back then. Could it be that the masters are blaming me and want to settle accounts with me in the future?"

Bar?"

"Xiao Li, you are overthinking! You were doing shipping and sales just to make more money for the company. How can we blame you!" Master Ye said.

Luo Bing took up the conversation again and continued, "In this situation, although the company will not fire us, we don't know how long we will be suspended. If we are unlucky, we will be suspended until retirement! So we are thinking, simply

Go on half-time furlough, get out of the transportation company, and drive your own transportation!"

"This is a good idea. We are all old masters and are familiar with the routes. Director Luo also has many connections, so finding the source of goods will definitely not be a problem. If you want to run the transportation yourself, you can earn tens of thousands of yuan a year.

There must be no problem." Li Weidong said.

"We think so too." Luo Bing put on a distressed look and continued: "But we don't have money to buy a car! So we came to you to borrow money."

"Yes, Xiao Li, I know you have made a lot of money now. You can donate 50,000 yuan to people you don't know in poor areas. Your father and I have known each other for more than ten years, and you can be regarded as someone I have grown up watching.

You have to help us when we grow up!" said Master Fang, who had never spoken.

"Xiao Li, how much does a car cost? You also know that even if we spend all our money, we can't afford a car! We don't have any rich relatives, so we can only come here to ask for your help!"

Li Weidong sighed helplessly: "Come on, I've been making trouble for a long time and I'm here to borrow money again. I've gone home now and I still can't hide! You really think of me as Li Dashan!"

Thank you for your subscription. These recent chapters are not easy to break up. As a veteran chapter breaking dog, I just put them together. There are more than 7,000 chapters in this chapter. Please give me a guaranteed monthly ticket!

()