Resource Tycoon Reborn

Chapter 63 Loan of 400,000 yuan

Gu Yucheng is also a half-stamp enthusiast, mainly because of his wife - with a wife who is very interested in stamps, he even wants to understand the postal market. His wife, in the end, is

What he likes is talking to him about those rare stamps while cooking and eating. For example, the big dragon stamps, or how the mountains and rivers of the motherland are all red. But in recent years, the thing his wife talked about the most was monkeys.

Voted.

Often after two or three months, my wife will tell herself with a look of regret that the price of monkey tickets has increased again, to a certain amount of yuan, and then she will have a deep confession that lasts for ten to twenty minutes. She regrets herself.

Why didn't she make up her mind and spare one or two months' salary to buy a batch of monkey tickets? She regrets why she didn't buy monkey tickets in many opportunities over the years. Otherwise, she would now have a fortune of tens of thousands of yuan.

Rich people, etc., etc., which made him and his daughter feel calloused and annoyed. However, this also gave him a considerable understanding of monkey tickets.

Gu Yucheng took a rough look and saw that the bag was full of full-page monkey tickets. He did a rough calculation. Based on the market price of monkey tickets at that time, which was nearly 60 yuan each, Fang Mingyuan said they were worth 300,000 yuan.

It's not an exaggeration at all. And Gu Yucheng knows that this full version of the monkey ticket is rarer and more expensive than those single sheets in the market.

"What's wrong, Lao Gu, this thing is very expensive?" Ma Yongfu was a little disapproving at first. He felt that Fang Mingyuan took out a lot of eight-cent stamps and said they had a market value of 300,000. This was nonsense! Instead of taking it,

If such a pile of stamps were mortgaged and made others laugh, it would be better to just go ahead and follow the plan agreed upon by Gu Yucheng and himself. Anyway, in the eyes of the provincial leaders, the Guo family's five million has been obtained, and Fang Mingyuan will get another one.

Two or three hundred thousand yuan is nothing. Even if it can't repay the bank in the future, compared with the five million, the government will not suffer at all. But seeing Gu Yucheng's surprised look, Ma Yongfu immediately realized that he

There may be a serious deviation in my understanding.

"It's very expensive. In the stamp market, an eight-cent monkey stamp can be sold for nearly 60 yuan, and its price has been rising in the past few years!" Gu Yucheng knew that Ma Yongfu was not interested in stamps.

Otherwise, the Qinxi Provincial Government would not pack up the stamps from all over the world that it receives every year and give them to him to take home to please his wife.

"Sixty yuan?" Ma Yongfu took a breath of cold air and exclaimed in surprise. He almost doubted whether he had misbehaved. A stamp with a face value of only eight cents was actually sold for sixty yuan.

A thousand times!

"Sixty yuan is only a lot more. And it may even go up recently!" Gu Yucheng said firmly. He looked at Fang Mingyuan in surprise. How could this young man have so many monkey tickets in his hand?

"President Gu, it seems that you still know something about the monkey ticket market. I plan to use this as collateral to get a loan of 200,000 yuan from your bank. I wonder if President Gu can agree?" Fang Mingyuan said with a smile.

"I think with President Gu's knowledge, he should naturally understand that this is a business that only makes money but does not lose money. With the current rising momentum of Monkey Ticket, it will only become more and more valuable."

Gu Yucheng thought about the telex transfer. Indeed, as Fang Mingyuan said, this loan is absolutely profitable for the Bank of Communications. Nowadays, the monkey stamps are almost sold in the postal market, and the market takes as many as they are given, so there is no need at all.

Worry about sales. And the rising momentum ensures that its value will definitely continue to increase in a short period of time. With a collateral with a market value of 300,000 yuan and a loan of only 200,000 yuan, there is nothing to worry about.

? The only thing that makes Gu Yucheng hesitate is that if this loan is completed, will it be the first truly large mortgage loan to a private individual in the history of the Republic? If so, for transportation

What will be the influence of banks in the minds of Fengyuan citizens?

"Do it!" Gu Yu sincerely made a decision immediately. Originally, he planned to grant the unsecured loan. Now that he has collateral, he has nothing to worry about. This can be regarded as opening up new businesses and broadening the market.

"Comrade Xiaofang, if this is your insistence, then of course I have no objection. But these monkey tickets are probably more than 300,000 yuan, but you only plan to loan 200,000 yuan. Why is this?" Gu Yucheng

He clapped the monkey ticket in his hand and smiled.

Fang Mingyuan's heart was moved. The reason why he did this was actually influenced by his past life. This kind of collateral loan is rarely available in banks in full. Usually, it will be 20%, 30%.

A discount of 10. It was the first time for him to cooperate with Bank of Communications, so Fang Mingyuan also automatically discounted the loan amount. Of course, this was also because he had a loan of two hundred thousand yuan. For Fang Bin in Pingchuan

The expansion of the county is more than enough, and in another half month, the funds that bypass Hong Kong will be able to enter the mainland, greatly easing their financial pressure. But looking at Gu Yucheng, he seems to be interested in lending more to himself

, of course that’s good!

"Aren't you afraid that it will be difficult for you, Mr. Gu? After all, this is an emerging business. I leave you some room, and it also makes our loan more convenient!" Fang Mingyuan said with a smile, "This will also prevent Mr. Gu from being overly stressed in the future."

The first person to eat crabs always has to bear greater pressure than those who come after him. Since Fang Mingyuan plans to cooperate with Bank of Communications for a long time in the future, this business must be done beautifully so that no one can tell that he is wrong.

Come.

Gu Yucheng couldn't help but burst out laughing: "Comrade Xiaofang is really considerate in every aspect!" No wonder Mrs. Guo loves this young man so much that she will take the initiative to stand in your position and leave room for you in every aspect.

Who can not like this person?

Gu Yucheng pondered for a moment and said: "Comrade Xiaofang, let's do this. I will loan you 300,000 yuan for these monkey tickets. According to the market price, I can probably take advantage of you a little bit. If the market price of monkey tickets in the future is

If there is another sharp increase, we can also make additional loans. Then I will lend you a three-year interest-free loan of 100,000 yuan. This is for the sake of the provincial government and Director Ma. With them as guarantee, I believe you can repay it.

At the same time, it can be regarded as a small thank you to Comrade Xiao Fang for his guidance in the business hall. What do you think of this?" Such a smart and witty young man has the favor of the provincial government leaders and Guo Guo

His family's support will have a bright future in the future. He has established a good relationship with them now, whether it is public or private, and there is no harm in it. Besides, with this small amount of money, he still has this power as the vice president of the branch.

"Since President Gu has said so, we naturally have to be more respectful than obey." Fang Mingyuan pondered for a moment before smiling. Although he did not want the subsequent 100,000 yuan loan, if he repeatedly refused

If so, I'm afraid it will cause dissatisfaction with Ma Yongfu and the relevant leaders of the provincial government. Anyway, I don't intend not to repay it. The interest of 100,000 yuan for three years in exchange for the idea I had below, if you really think about it, you will still suffer a loss.

"I just have a small request. I hope your bank can take good care of these collaterals and not make any mistakes. Although they are only worth 300,000 yuan today, I believe that within three years, they will be

Worth 1.2 million!" Fang Mingyuan said solemnly. In his previous life, there were many reports of collateral damage due to poor bank custody, so he had to carefully warn Gu Yucheng about this.

Ma Yongfu, Gu Yucheng and Fang Bin who were present were all shocked. Although they had heard from Gu Yucheng that the monkey stamps were currently rising very well, none of them expected that these stamps would be in the 60s now.

Although the three of them were a little unbelievable, there was something unquestionable in Fang Mingyuan's words.

"Comrade Xiao Fang, you can rest assured that our vault has constant temperature and humidity and is heavily guarded, so nothing will happen. I also have some experience in collecting and keeping stamps, so you don't have to worry about them being here.

A little bit of damage." Gu Yucheng can understand Fang Mingyuan's mood. The same is true for his wife. Those stamps must be carefully collected and taken care of every once in a while. And Fang Mingyuan's words also explain why he doesn't put them away.

He sold the stamps in exchange for funds, but chose a mortgage loan. If it was true as he said, then selling now would indeed be a bit of a loss. This made Gu Yucheng feel more relieved. At the same time, he was also secretly thinking about it.

, how about taking out a sum of savings, buying some monkey stamps from the stamp market, and quadrupling them in three years? This is a faster return than any other business.

The next thing was simple. In Gu Yucheng's office, the staff of the credit department drafted a contract on the spot. Using these monkey tickets as collateral, Fang Mingyuan officially borrowed 400,000 yuan from the Bank of Communications, of which 300,000 yuan was

Yuan enjoys the lowest interest, while another loan of 100,000 yuan enjoys three years of interest-free loan. At the same time, according to Fang Mingyuan's request, a confidentiality clause was added to the contract. For this business, Bank of Communications can

Publicity, but the truth about the collateral must not be disclosed to the outside world, and the identities of Fang Mingyuan and others must not be revealed.

After both parties completed this series of work, Gu Yucheng stood up and said sincerely: "Comrade Xiaofang, I hope this cooperation is just the beginning, and that you and I will have better and more cooperation opportunities in the future!"

Fang Mingyuan also stood up and said with a smile: "President Gu, you can rest assured that once a man identifies with a certain brand, he will be more loyal than women who pursue fashion."

All four of them couldn't help laughing.