Chapter 254

Zhang Qianxiu didn't insist either. He drove to Wanhui first and then to Dongtai. These two factories involved most of Zhang Qianxiu's energy.

In the afternoon, he went to sun Daxi to get the information and Hu Jinsong to get the information. The information of his store is complete and can be used to make a loan.

I have an appointment with Shan Hong to meet at haolaixuan at 8 pm.

Zhang Qianxiu did not go until he had dinner. This time, only Shan Hong came.

When Shan Hong saw Zhang Qianxiu, he was as affectionate as his father: "boss Zhang, how are the materials prepared?"

Zhang Qianxiu handed all the information to Shan Hong: "chief of the line, have a look, how much can these loans come down?"

Shan Hong took it smilingly, looked at the information carefully, sighed and said: "boss Zhang, you are really not simple! There's no problem with all this information. It's estimated that there will be about 200000 for the next payment. "

This is similar to Zhang Qianxiu's estimation: "well, I've asked people to get their ID cards for the rest. Their signatures and fingerprints will also be brought together. They are all on empty A4 paper, and all the information can be added to it, and it will become a loan contract."

Shan Hong collected the information and said, "OK, it would be better if there were more. Generally, if the loan amount is small, it will not be checked."

"When we go to check these shops, it's all related to boss Zhang. These are small things to solve."

Zhang Qianxiu said with a smile, "there's one thing I want to discuss with you."

Shan Hong is now in a good mood, nodding: "boss Zhang, you say."

"Well, sometimes I need money to do business. The chief executive should know that." Zhang Qianxiu then said: "I account for 60%, but if I want to use money, I may take money directly from it, at most 60%. For the rest of the money, I don't need to share the interest. As for the money I take, I will naturally return it, and I will bear the interest."

In this way, it seems fair, but Shan Hong hesitates.

Because there were three of them, and they promised only 40%, Zhang Qianxiu took a big risk, which was a problem.

Another reason is that if the repayment of these loans is urgent, it will be good for their banks, and their bad debt rate will be very low every year.

If the bad debt rate is low, the score will naturally be high, which is good for their promotion.

If Zhang Qianxiu really takes the money to invest, even if Zhang Qianxiu is willing to pay back the money, it will be OK to make money when he invests. If he loses money, or if there is a problem with the capital, he may delay the repayment date.

In this way, for Shan Hong, there is an invisible advantage missing.

The smile on the face of the single hung man gradually gathered up and said, "Zhang boss, I believe you are human, but this is not my has the final say, there is also Zhong manager, right?"

Zhang Qianxiu knows that there are other people, but the problem is not very big. As long as Shan Hong agrees, the other two don't have so much influence, and they are all on the boat, so they won't give up easily.

Zhang Qianxiu nodded and said, "I know that. I have also said that these debts will be borne by me at that time."

Shan Hong didn't beat around the Bush and said directly: "don't laugh, boss Zhang. You should know that the reason why we did this at the beginning was not just for money. We also have our own ideas and plans. If you want to take all the money away now, it will increase a potential risk for us."

"It's not nice to say that if we had known that you were going to move the money, even if we had given 60% to the three of us, we would not have agreed."

Shan Hong's words are not casual, but the truth.

Zhang Qianxiu also believes that Shan Hong is counting on these loans to bring him good performance.

"Single line long, then you say a condition!" Zhang Qianxiu said: "I will definitely use money at that time. My own money may not be enough."

"Moreover, if my factory is built, all my payment for goods can go to your company at that time. In this way, for your bank, there will be another deposit, and you have a deposit business every month."

Zhang Qianxiu had talked with Shan Hong about this thing before, and promised him how much money to deposit.

However, the two sides did not specify this matter, let alone sign a contract.

Therefore, even if Zhang Qianxiu is playing tricks, Shan Hong has no way to say anything.

Shan Hong was silent and said, "boss Zhang, you can use 40% at most."

"We don't take advantage of you either. There are interest free and low interest ones. We will give them to you in proportion."

"You take the money and use it. If you pay it back on time, we'll give you another 20% of the profit. If you don't pay it back on time, that 20% of the profit will be ours. It's our business to divide the three of us."

"Of course, let's put the scandal in front of us. If you borrow money, there is a problem with the fund, and it's not available for a short time, which has aroused the above suspicion. The three of us must protect ourselves. We are likely to exclude you. I hope boss Zhang can understand it!"

"When we protect ourselves, we will not disclose any cooperation between us. Your loan will only be an ordinary loan. You just have to deal with it according to the ordinary loan."

In fact, in Zhang Qianxiu's opinion, there is nothing wrong with Shan Hong's words. What he said is very true.

What's more, Shan Hong is willing to spread out all his words, which shows that Shan Hong is a trustworthy partner.

It's hard to say whether Shan Hong's words are based on retreat.

Zhang Qianxiu nodded and said, "yes, I can understand what the chief said."

"When I worked with you before, you actually saw the benefits of repayment on time. I'm going to take away these funds. For you, it really increases certain risks."

Seeing that Zhang Qianxiu was so understanding and reasonable, Shan Hong was not angry at all. His heart was also relieved, and his face was again filled with a smile: "boss Zhang, I hope you can understand our difficulties. What I said just now is a little too much."

Zhang Qianxiu said with a smile: "no, it's very true. These words have been said in the front, so as not to blame each other when something happens in the future."

"By the way, if the loan is long, how about the patent mortgage?"

Shan Hong was stunned and said: "patents can be used as collateral, but they all need to be put into use. That is to say, patents that can generate profits can be used."

"And the valuation of this patent, you have to go to the agency to identify, our bank will not identify."

"You come back with the valuation of the appraisal. If the third party of the appraisal is recognized by the bank, the bank will make a payment."

Zhang Qianxiu also read the loan information before, but he didn't notice that he wanted to find a third-party appraisal agency.

"What are the third-party appraisal agencies?" Zhang Qianxiu asked.

Shan Hong said with a bitter smile, "I really don't know. In our small place, there is no one to mortgage the patent."

"To put it mildly, it is estimated that there are not many patent mortgage loans in the whole country. Now in our country, there are not many patents that can be used."

In Shan Hong's words, there is a kind of helplessness, which is also helplessness for the current state of the country.

Zhang Qianxiu thought that at this time, it was too early to have any patents, and most people thought that patents were very tall things, even bank presidents like Shan Hong thought so.

Just like later generations, it's hard to see how to spend money freely to register some patents to play.

After chatting with Shan Hong for a while, Zhang Qianxiu got a positive answer, that is, there is no problem with patent mortgage.

Now there is a new problem, which is to find a third party to identify. As for which third party's identification results the bank recognizes, even Shan Hong doesn't know. He has to go back and check the information.

After dinner, things are almost the same. Zhang Qianxiu and Shan Hong go home separately.

When Zhang Qianxiu got home, it was already more than nine o'clock in the evening.

When you enter the door, you can see that a lot of wood is piled up in the room on the first floor. The carpenter introduced by GE Qingshan has already started to work.

The sawdust and dregs in the room were taken away. Ge Qingshan said that he could make incense, but he had to adjust the proportion and put in some ingredients to refresh himself.

Zhang Qianxiu doesn't understand this, but when making furniture, there will be a lot of sawdust. It's also "waste utilization" to make incense.

Su Yuwei was already reading on the balcony on the second floor. When Zhang Qianxiu went upstairs, Su Yuwei looked back and said, "didn't drink much?"

"A little, not much." Zhang Qianxiu answered casually.

Su Yuwei said: "today I received a call from director Qi of Hengchang rice factory in the city, asking when you would place an order."

"I said that you are so busy with the two factories these days that you forget. When you deal with the factory affairs, you will place an order."

Zhang Qianxiu nodded: "well, I know. I'll take a bath first."

Zhang Qianxiu really forgot about Qi Youcheng. If he didn't call, he didn't know when he would remember.

After taking a bath, Zhang Qianxiu went back to the balcony and chatted with Su Yuwei. They read books separately.

The next day, Zhang Qianxiu went to Wanhui and Dongtai first to deal with the factory almost as well. It was still early, and he went to Baishi street, where there were many fortune tellers.

Zhang Qianxiu didn't believe in evil. He didn't even know his birthday. He found a fortune teller who looked good and asked, "sir."

Fortune teller is a 70 or so old man, wearing a traditional long coat, is closing his eyes, hearing the voice, opening his eyes, showing a charitable smile: "youth, is it fortune telling?"

Zhang Qianxiu said: "no, I want to see a day. I want to build a warehouse and see which day is better."

The fortune teller nodded: "to move the earth, you need to see the place. There is a lot of knowledge about the terrain and the eight characters of birth."

Zhang Qianxiu asked, "what is the cost?"

The fortune teller said with a smile, "just go with the flow."

Zhang Qianxiu doesn't care. Anyway, just give him dozens of yuan.

Tens of yuan is not much for Zhang Qianxiu, but for ordinary people, it's already a lot.

"Well, please come with me."

Fortune teller is also very clean, anyway, his stall is very simple, a small table, a small stool and a piece of cloth with words on it.

The fortune teller left his things in the back shop, and then went to see the place with Zhang Qianxiu.