Chapter 242

After a few words of politeness, the three of them took their seats. Shan Hong said, "boss Zhang, I've brought a person here today. He's the customer manager of our bank. Would you like to meet him?"

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

Zhang Qianxiu nodded: "see, we are all our own people in the future."

"The boss just a moment, Lin Qi, you go and ask for it." Shan Hong said.

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

After a while, Lin Qi came back with a middle-aged man, in his early 40s, in a suit and shoes, wearing a pair of glasses, looking gentle.

"Hello, boss Zhang!" The middle-aged man first said hello: "I am the bank account manager, Han Zhuoyue."

"Hello, manager Han!" Zhang Qianxiu reaches out his hand and shakes hands with Han zhuoyou.

"I'll ask boss Zhang to give me more advice in the future." Han zhuoyou is very polite. When he shakes hands, it's both hands.

"I can't tell you what to say. In the future, we will all be our own people. We will learn from each other and work together. Manager Han will sit down!" Zhang Qianxiu was just making polite remarks.

Although the two sides want to cooperate to collect wool in the banking system, it's all driven by interests. When it comes to friendship, it's common. Even with Shan Hong and Lin Qi, Zhang Qianxiu doesn't think they have too much friendship.

After everyone sat down, the dishes began to serve.

All the time waiting for the dishes to come together, Zhang Qianxiu took the initiative to say: "chief of the line, manager Han, tell me about this matter, how to operate it, what I want to do, what you want to do, I also have a bottom in my heart."

Shan Hong takes a look at Han zhuoyou and signals him to speak.

Han Zhuo took out a piece of information and handed it to Zhang Qianxiu: "boss Zhang, this is the information I sorted out. It's basically internal information. It's all about loans. You can have a look when you go back."

"As for the operation of loans, I'll tell you about it."

"First of all, interest free loans. Our bank has a maximum loan amount of about 500000 a year, but these must be examined and verified, and they are very strict. Individual business loans can't exceed 5000, and the expansion of individual businesses can't exceed 20000. There must also be certain asset certificates or running water certificates."

"Secondly, loans are not completely without requirements. These are all entrepreneurial loans. That is to say, the people below have made loans. We need to verify them, and the people above will come to check them."

"If you want to open a shop with a loan of 5000 yuan, then you must have a certificate of opening a shop and a certificate of breeding."

"We can tamper with these certificates, but if the above people come to check them, if they don't have them, they will be in trouble."

"If there are three spot checks and one person has a problem, they may not continue to do so, but if there are three spot checks and all three people are fake, they will certainly continue to do so."

"Even if you start a business, you have to do something. For example, if you open a shop in the market, they may ask people in the market, has such a person opened a shop before?"

Zhang Qianxiu asked, "are you very strict?"

"In terms of system, it's very strict, but in fact, some of them can give red envelopes. If they are willing to accept them, they will ask us to check the information of several lenders. If we choose them ourselves, there will be no problem," Han said. If you don't want to accept it, it's a big problem. "

Zhang Qianxiu thought for a moment and asked, "is this checked every year?"

"We will be here, not elsewhere." Han Zhuo said: "if boss Zhang can get loans in the name of 30 shops or factories, with each loan ranging from 10000 to 20000, these shops and factories are true. Even if they are spot checked, there is no problem at all. As long as these shops admit that they have their own loans, they will do."

"Maybe there are 20 of them, each with a loan of 20000 yuan, so we can get 400000 yuan out of the interest free loan. Then we can find several villagers' ID cards to get loans, each with a loan of 5000 yuan. At that time, we will communicate with everyone in the village and ask them to help us, so that we can really start a business with loans."

"Or let the people around you say they don't know, but the one who uses his ID card to make the loan must admit that he does make the loan and explain the purpose of his money."

"If you have more ID cards, you can borrow less. If you have three or five hundred ID cards, you won't check them."

"As long as these are done well, even if someone goes to check, there will be nothing wrong."

Zhang Qianxiu thought about it in his heart. He has two factories and one store in his hand. At that time, he can also count the warehouse, that is, four.

It's a long way from twenty.

If you take sun Daxi's, it's not a big problem. It's estimated that there are several.

Don't worry about the Taoli army.

Zhang Qianxiu suddenly thought of a thing, that is the lottery shop, now how also opened four or five? At that time, you can ask sun Daxi, these lottery shops are real existence.

What's more, sun Daxi's problems will not be very serious.

Zhang Qianxiu has little risk in this interest free loan. Almost all the risks are borne by the bank and the people who borrow their ID cards. However, as long as they pass the examination, Shan Hong and Han zhuoyou will be OK.

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

Han zhuoyou said: "besides interest free loans, it's low interest loans. If we want to get low interest loans, we'd better have collateral. Under normal circumstances, we can get 60% of the estimated price of the collateral, which is 80% at most. But if we can get some official supporting documents, it means that the government is optimistic about the factory or company, We are willing to give some tax support, and the loan may reach 100% of the mortgage. "

"If you want to get 100%, you have to be optimistic about it by the government, and there are talents in the bank to support the enterprises. Otherwise, most people will get 80% of the valuation of mortgage shares."

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

Zhang Qianxiu asked, "what are the specific contents of the mortgage?"

"There are many bank financial products, real estate, equipment and so on, but they are basically these." Han said.

Zhang Qianxiu nodded slightly and said, "this is it! How much interest free loan do you have left this year? "

"More than 300000 points, more than 100000 have been loaned out." Han is very clear about this.

"OK, let's try to get the interest free loan first." Zhang Qianxiu thought for a moment and asked, "these are basically no problems. Specifically, I'll go back to see the information. If there are any problems, I'll ask you again."

"What's more, how do we share the profits?"

When it comes to sharing the spoils, Shan Hong and Han Zhuoyue sit up straight. They also have to take risks. Isn't it 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 percent."

Shan Hong and Han Zhuo were surprised: "boss Zhang, it's probably too much. In this case, we've taken such a big risk. One person will get 10%. This... Can't be done. It's five to five."

Zhang Qianxiu said: "manager Han, you two have both risks and opportunities. If we do this for two or three years, your performance will be brilliant. If you make money, you can still go up."

"But I have to take a lot of risks. At that time, almost all my assets will be mortgaged. If there is something wrong 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 have to go to jail."

Zhang Qianxiu said: "chief of the line, you are talking about the worst situation. All our affairs have been known and the evidence has been captured."

"At that point, nine times out of ten, I will not be able to run. In this respect, our risk is the same."

Han Zhuoyue insists on shaking his head: "20% is too low. We have to account for at least 45%. We can make 5% of the profits."

"Mr. Zhang, you account for 55% and the three of us account for 45%

Zhang Qianxiu takes a look at Lin Qi. He is very curious about what kind of role Lin Qi plays in this.

"How much does Miss Lin want to share here?" Zhang Qianxiu asked.

Lin Qi didn't speak today. At this time, Zhang Qianxiu asked and said, "I'll take 15% of their two shares."

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

Zhang Qianxiu asked, "I'm curious. What does Miss Lin want to do for us?"

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

The bank's audit is separate, the bank will submit the loan information, audit department contract approval, and then release the loan.

Zhang Qianxiu is curious. Shan Hong and Han Zhuoyue don't know anyone from the audit department. How did Lin Qi know each other? It seems that they have a good relationship.

However, Zhang Qianxiu did not pursue the root of the problem, but said to Shan Hong and Han Zhuo: "you three, I can take a step back, I want 70%

In fact, Zhang Qianxiu was very satisfied with 50%. But at this time, he always had to fight for it. It's always good to have more.

Shan Hong shook his head: "boss Zhang, four or six open, we need 40% at least."

"As long as we don't have any problems, Mr. Zhang, your assets are all right, and the main source of our profits are interest free loans and low interest loans. Even if we borrow for five years, we don't have much profit."

"For interest free loans, we take more risks."

But Zhang Qianxiu said, "long line, you told me last time that if you could borrow one million yuan, in fact, interest free loans and low interest loans would make almost the same amount of money every year."

"No interest loan, at most 500000, you can get 16% interest; Five years of low interest mortgage loans, you can press down to 8% of the annual interest rate, 500000 interest free, 80000 interest a year, one million low interest, you can make 80000 a year. "

"If I take out one million assets to mortgage at that time, I will invest more than you, and you need so many shops or factories or personal ID cards to borrow 500000 interest free loans. You can't do it at all. I have to think about it."

Lin Qi asked: "enemy, can you take out a million loan mortgage?"

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

Shan Hong, Han Zhuoyue and Lin Qi were all silent, but in the end, Shan Hong still shook his head: "boss Zhang, four or six open, even if you take out two million mortgage, what we can accept is four or six open."

"You have already accounted for 60% of the total. Otherwise, we will only make interest free loans instead of low interest loans. Boss Zhang will take 50% of the total."

Zhang Qianxiu doesn't know what Shan Hong is afraid of, but looking at his attitude, four or six is really his bottom line.

More than 50%, that's good!

Zhang Qianxiu is no longer entangled in this profit: "well, just listen to Mr. Shan, what do you need for shop loans? Tell me, I'll try to get it over these two days. "

"The relevant certificates of the store, the type of operation, the general profit, the running water and the owner of the store must be present and signed at that time," Han said

"Personal loans, as long as the account book, ID card, entrepreneurial loans to a certificate, to find the village or the market can open."

Zhang Qianxiu asked, "is it OK to open that market in our county?"

"Yes, with the official seal." Han said.

This is not a big problem. Although Zhang Qianxiu doesn't often go to the market, he has a good relationship with the market management. When the time comes, he will send some gifts, invite them to have a meal and ask them to give them a certificate.

"No problem. I'll go back and study the mortgage." "In three days, I'll get some information about interest free loans," Zhang said

"I have something else to do, so I'll leave first. I won't be with you."

Zhang Qianxiu said, picked up the information given by Han Zhuo and stood up.

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

Shan Hong said, "boss Zhang, why don't you go without a drink? You didn't eat this meal. "

Zhang Qianxiu looked at the time and said, "I still can't. my daughter-in-law is in the countryside, so I have to pick her up."

"It's still early. Let's not drink too much. Let's celebrate." Han Zhuoyue also advised.

In the end, Zhang Qianxiu didn't make it. He stayed and had a few drinks with him.

It was said to be a few drinks, but it lasted more than an hour. At 9:30, no matter how the three stayed, Zhang Qianxiu insisted on leaving.

Zhang Qianxiu went to the door, Lin Qi also asked with a smile: "boss Zhang, you will not deliberately find an excuse to run away, will you?"

Zhang Qianxiu wry smile: "Miss Lin, you are a fox spirit, in addition to my daughter-in-law, I really will not give up the chance to drink with you because of other things."

Lin Qi knows that although Zhang Qianxiu said so, it's really urgent. Zhang Qianxiu won't delay because he drinks with her. However, Zhang Qianxiu's words obviously tell her that his daughter-in-law is the most important in Zhang Qianxiu's heart.

Lin Qi was slightly disappointed, but she said with a smile: "boss Zhang, next time we have a chance to have a drink, when your daughter-in-law has something to do."

While talking, Lin Qi also threw a wink to Zhang Qianxiu.

Zhang Qianxiu said with a smile: "I'll talk about it then, but my daughter-in-law has a lot of leisure. I don't think she can find such an opportunity. Miss Lin, take your time. I'll go first. "

Zhang Qianxiu finished, did not wait for Lin Qi to speak, turned and walked downstairs.

Downstairs, Zhang Qianxiu asked Dai Yingwu to make a small bowl of clear soup, put some vegetables and salt.

After drinking, although he was not drunk, Zhang Qianxiu was really afraid of driving unsteadily.

The habit of drunk driving is everywhere in this era. Zhang Qianxiu is wondering whether to find a driver for himself. Drunk driving is not a good habit. He is not afraid of ten thousand in case of an accident!