Chapter 204

Three people sit down.

After a while, Dai Yingwu began to arrange the dishes.

At the beginning, everyone was just chatting. Lin Qi would "tease" Zhang Qianxiu from time to time. Shan Hong would stare at Lin Qi when he saw that Lin Qi was a little overbearing, and Lin Qi would be honest.

Zhang Qianxiu originally thought that Shan Hong and Lin Qi should be some kind of "lovers" relationship, but after chatting, he found that they should not be that kind of relationship. Lin Qi was obviously afraid of Shan Hong's anger, but she felt a little spoiled.

After three rounds of wine and five flavors of dishes, Shan Hong said, "boss Zhang, it's rare for us to have a drink. During this time, you have been saving money in our bank, but you have helped me a lot. If there's anything I can do in the future, just say it."

Zhang Qianxiu was also impolite and said, "I really want to ask for your help."

"If you want to ask for something, boss Zhang will tell you." Shan Hong patted his chest: "as long as I can do it, I will never refuse."

Zhang Qianxiu is very clear in his heart that the relationship between him and Shan Hong is not as good as this. They both have mutual interests, or they are interested in each other's long-term development.

Zhang Qianxiu said: "chief of the line, I recently talked about a cooperation with the city. I will take over three state-owned factories from the government."

Shan Hong is not a member of the state-owned factory system. He is not clear about this. Instead, he is surprised: "is the state-owned factory in our county or in other counties?"

With a smile, Zhang Qianxiu said, "it's not a big factory. One is Dongtai Cannery, one is Wanhui biscuit factory, and the other is a printing factory in Zuoming county."

These two factories are not really big, but in this era, people who can open factories, especially those who can take over state-owned factories from the government, are capable.

Lin Qi was not very surprised. When she heard this, she secretly threw a wink at Zhang Qianxiu.

Zhang Qian was discussing business with Shan Hong, but he didn't see it. He went on to say: "the list of Dongtai cannery and Wanhui biscuit factory is quite large, but there are big problems in management and operation. I need to rectify and improve the production process to improve the production efficiency."

"But I want money to do all these things. I don't have enough money in my hand now. I want to borrow a batch of interest free loans and low interest loans from the bank."

In the last life, Zhang Qianxiu was just an ordinary person and didn't know about these loans.

But in this life, because of different status, different information and previous experience, many ideas are more flexible than those of today's people.

For example, if a bank deposits for five years this year, the highest interest rate is 13.6%, but if you have a relationship with a large amount of time deposit, it can reach 15.8%, and it is compound interest every year.

What's the concept? According to the annual compound interest of 15.8%, when you deposit 10000 yuan in the bank for five years, it will be a little more than 20000 yuan when you withdraw it.

In this era, the five-year interest rate of fixed asset loans is only about 11%, which is simple interest rather than compound interest. That is to say, if you have a loan for five years, you will only be able to repay 15000 after five years.

That is to say, with a period of five years, you can get the highest interest rate of large fixed deposit, and then get the loan of fixed assets. You don't have to do anything. You can earn 1000 yuan per 10000 yuan lying down every year.

What's the concept of a thousand? It's equivalent to an average person's annual income, which is basically not reached by farmers.

If you can get a long-term interest free loan with 10000 yuan in your hand for five years, as long as you keep it in the bank, you don't have to do anything and earn more than 10000 yuan in vain.

Of course, in order to do all this, it needs to be related. Fixed asset loans are only allocated for enterprise investment and construction of fixed assets. That is to say, the money is only used to build offices, factories, equipment, etc. for you, it is not OK to do anything else.

But people are alive, as long as the loan is down, the bank audit is greeted, how to use it is not has the final say?

Zhang Qianxiu had an idea to get some interest free loans and low interest loans from the bank, but he had to get Shan Hong's help, otherwise he couldn't get them.

At this time, Shan Hong didn't know what Zhang Qianxiu was thinking. He thought that Zhang Qianxiu just wanted some interest free loans. He did have indicators in his hand to give Zhang Qianxiu, so he said with a smile, "boss Zhang, there are some problems, but the problem should not be very big. How much money do you need?"

"How much can you give me?" Zhang Qianxiu asked.

Shan Hong didn't play Tai Chi with Zhang Qianxiu either. He thought about it carefully and said, "if you have no interest in one year, there will be no problem within fifteen thousand."

Zhang Qianxiu shook his head: "less, I want a million."

When Shan Hong heard this, he just picked up a piece of fish. With a shake of his hand, the fish fell on the table.

Shan Hong put down his chopsticks with a complicated look: "boss Zhang, are you kidding?"

Lin Qi was also shocked. She couldn't give Zhang Qianxiu a wink. She looked at Zhang Qianxiu and waited for him to answer.

Zhang Qianxiu did not directly answer, but said: "long line, for you, loans and deposits are more important indicators, right?"

Bank governors are to be assessed, including deposit targets, lending targets above, completion rate of loan interest collection, asset liability ratio, etc., which are related to deposits and loans.

These assessments account for a large proportion. In addition, there are staff skills assessment, work records, work summary and other assessments, large and small. However, these are all internal management and operation of the bank, which have little to do with deposits and loans.

Shan Hong doesn't worry about the internal management of the bank. His management ability is OK. What's in trouble now is loans and deposits. He nodded and said, "it's true. People don't have money and many old people don't deposit money in the bank. It's very difficult for us to absorb deposits."

"It's very easy to get a loan out. A lot of people queue up to get a loan, but if they lend it out casually and can't get it back, it's a bad loan record, which has a great impact on us."

Zhang Qianxiu has done this work for a long time. He is very clear about the biggest problem Shan Hong is facing now. He does not dare to lend money casually for fear that he will not get it back; It's very difficult to absorb deposits.

Zhang Qianxiu said with a smile: "long line, I can guarantee that your annual average personal small amount deposit will increase by 500000, and your large amount deposit will increase by 5 million. Your loan index will give me a little more. As long as it passes through my hand, the normal repayment rate will be 100%. How about that?"

When Shan Hong heard these figures and Zhang Qianxiu's idea of a loan, he already understood what Zhang Qianxiu meant. Zhang Qianxiu wanted to collect wool from the bank!

However, it is also difficult. Some of the loans specified above are assigned to small enterprises. If the scale is too large, you can't take these indicators. Some are assigned to certain purposes, such as industry and agriculture. You can't take the indicators of agricultural loans to factories.

What's more, if all the loans are given to Zhang Qianxiu, we can find out the problem at random.

But the deposit Zhang Qianxiu promised really moved Shan Hong. Although he was a bank, it was almost impossible for him to increase his deposit so much in a year. After all, there are so many banks in a county, and the people in the county are fixed. We all know how much deposit there is in a year. All the presidents are trying to grab the deposits of those big customers.

Shan Hong hesitated for a long time and said, "boss Zhang, it's not that I don't want to cooperate with you. I'll give you all the loans. It's also very troublesome to check them up. At that time, the enterprises I give the loans to are all yours. People with clear eyes can see it."

Zhang Qianxiu chuckled and said, "I'll find some people to set up companies or factories. I don't account for a large proportion of legal persons or shares. When you lend money to these companies, it's impossible to find out."

After hearing this, Shan Hong is even more worried. If Zhang Qianxiu wants to cheat him, he turns around and runs away with money. He has no way to take Zhang Qianxiu. The loan is not Zhang Qianxiu's loan. All the procedures have nothing to do with Zhang Qianxiu.

"Boss Zhang, I'll think about it." Shan Hong said.

Zhang Qianxiu saw Shan Hong's thoughts and said with a smile, "long line, are you worried that I will run away and leave you a mess?"

Even if Shan Hong thought so, he would not admit: "boss Zhang is joking. How can I not believe you. It's just that it's too complicated. I have to think it over. "

That said, in fact, we have to weigh the pros and cons.

Zhang Qianxiu said, "I'm not sure if I can find anyone to do it! The most important thing is that our cooperation must be gradual and circular. "

Shan Hong said with a bitter smile: "boss Zhang, there's another problem. We don't let the loan go as we say. There is a special audit department at the door. If the audit department doesn't let it go, it's useless for me to promise."

Zhang Qianxiu naturally knew this. He said: "as a single line leader, you must know better than me what kind of loan application can be audited. For example, I need a loan of 100000 yuan. You tell me what kind of requirements, qualifications and substandard areas are needed. Let's operate it a little bit to make it up to the standard and submit the audit data, The chance of passing is naturally great. "

"As long as it's the loan I applied for in cooperation with you, I promise that there will be no problem. Once the deposit and loan business is well done, you can do a good job in the internal operation of the bank, and the promotion is not imminent?"

Shan Hong slowly picked up his chopsticks, took a bite of the dish and chewed it in his mouth. He thought about Zhang Qianxiu's suggestion seriously.

If Zhang Qianxiu runs halfway, he doesn't have to bear the responsibility of repayment. After all, he is approved by the audit department, but his assessment is basically over.

If Zhang Qianxiu doesn't just run away, their partnership is almost equivalent to cheating on loans, then he is likely to go to jail.

Lin Qi also nervously looks at Shan Hong.

Shan Hong has a dignified look and can't see what he's thinking.

Zhang Qianxiu doesn't disturb Shan Hong's thinking. He picks up a pig's blood ball and begins to chew it slowly, but his eyes look at Shan Hong's.

Shan Hong's expression management is very good. He can only see his dignified look, but he can't see the specific changes in his heart. However good a person's expression management is, his eyes can easily reveal information. As long as he can see people's eyes, it's much more accurate than his face.

When Shan Hong swallowed the dish in his mouth, there was a flash in his eyes.

Zhang Qianxiu immediately confirmed that Shan Hong had made a decision!

There was a smile on Zhang Qianxiu's face.

Lin Qi said at this time: "brother, we'd better discuss this matter with manager fan, who specializes in loans."

Because of Lin Qi's words, Shan Hong hesitated, ignored Lin Qi, and said to Zhang Qianxiu, "boss Zhang, I personally trust you very much, and I also want to cooperate with you very much. Although I am the president, our bank has a customer manager, who is mainly responsible for the loan business. In the future, we have to let him help us. I have to go back to him to discuss."

It is impossible for Zhang Qianxiu to say that he is not disappointed. Shan Hongming was about to say yes just now.

However, this kind of disappointment is not very big, because Shan Hong is right. Although the account manager belongs to his subordinates, it is certainly impossible for the loan to completely bypass the account manager.

Zhang Qianxiu did not continue to talk about this matter. He knew very well that Shan Hong would not agree to continue to talk about it: "well, the chief of the single line will go back to find someone to discuss it, but this matter will benefit both sides. Let's have a drink."

Zhang Qianxiu said, holding up the cup.

At dinner today, Shan Hong wanted to draw more money from Zhang Qianxiu. Now he doesn't say anything. He knows very well that if he doesn't give Zhang Qianxiu a loan, Zhang Qianxiu can't continue to give himself too much money: "let's drink to boss Zhang."

Both sides don't talk about business, and they are all good communicators. With Lin Qi, a "smart little girl", the atmosphere is very good.

Before leaving, Shan Hong was a little drunk. Zhang Qianxiu was a good drinker, only a quarter drunk.

What surprised Zhang Qianxiu was Lin Qi. She drank no less than Zhang Qianxiu, but she looked very sober.

"Boss Zhang, I like you more and more!" Lin Qi smiles at Zhang Qianxiu.

Zhang Qianxiu helped Shan Hong, who was already a little drunk, to move on: "Miss Lin, no... I think I'll call you goblin in the future. It's a pity that you are a clerk in a bank."

Lin Qi covered her mouth with a smile: "what a goblin, it's so ugly! How many people can't get into the bank even if they want to. I'm the first one every month, and I get a lot of salary. What's the point of being inferior? Aren't we all trying to make money? "

"If it's not for fear that you'll take my soul away, I'll let you come and help me, and the salary requirement is up to you." Zhang Qianxiu said seriously.

Lin Qi burst of smile: "you say I seem to be a female night fork, people do not want your soul, even if I want to, also want you."

"It's a pity that I already have a place in my heart. I always believe that only when my body and mind are the same can I be worthy of my partner." Zhang Qianxiu said.

"Then I'll steal your heart first." Lin Qi said and blinked: "you have to be careful."

Zhang Qianxiu said with a smile, "I'm afraid you'll come back in vain."

When they were talking, they were downstairs. Shan Hong was driving. Zhang Qianxiu put Shan Hong on the second seat and asked, "can you drive?"

"Yes! You go. I'll take him back. " Lin Qi said: "be careful of the goblins in your house."

"Then I'll go!" Zhang Qianxiu took two steps, turned around and said, "don't drive after drinking."

Lin Qi just opened the driver's door. Hearing this, he turned to look at Zhang Qianxiu: "this is the first day. Do you care about me so much? I don't think you can keep your heart

Zhang Qianxiu shrugged his shoulders and waved to Lin Qi: "I'm leaving. Be careful yourself."

Lin Qi saw Zhang Qianxiu's back half ring, the corners of his mouth raised a smile, murmured: "small sample, no matter you are sun Dasheng, you can escape from my Wuzhishan, after you are mine."