Chapter 283

It was more than ten o'clock in the evening when I got home, and the light on the second floor was still on.

Zhang Qianxiu went upstairs, but Su Yuwei was still reading. Today, Zhang Qianxiu had already said hello to Su Yuwei and would come back later.

"A lot more?" Su Yuwei then said, "the kitchen has made clear soup for you. Go and have a drink."

Zhang Qianxiu felt warm: "daughter in law, I'll discuss something with you later."

"Well! I happen to have something to tell you. You go to the soup first, and then take a bath. " Su Yuwei said, "your pajamas are at the head of your bed."

Zhang Qianxiu said with a smile: "still have you, everything is ready for me."

Zhang Qianxiu went to get his pajamas, then went downstairs to have soup and take a bath.

When Zhang Qianxiu came back, he was much more sober.

"What's the matter?" Su Yuwei asked.

"Did I tell you about President Shan?" Zhang Qianxiu said.

Su Yuwei nodded: "about the loan!"

"Today, a director of the bank came and said he would join us." Zhang Qianxiu was silent for a moment and said, "my current situation is that I can't retire. They certainly won't allow me to retire."

"I used to be with them. I just wanted to make a little trouble and earn some pocket money."

Su Yuwei gently smile: "do you call that earning pocket money? The annual interest is tens of thousands, and everyone can share tens of thousands of yuan. How many tens of thousands of yuan are there in the countryside now? "

Zhang Qianxiu wry smile: "OK! But now, the director joins in, wants to play bigger, and then calls a person from the CBRC to come in. "

"When the time comes, there will be our people to apply, accept, examine and supervise. In theory, as long as the province doesn't come down to check, the people below will be able to hold on and there won't be any problems."

Su Yuwei asked, "how much do you plan to borrow?"

"Fifty million!" "There are so many temporary budgets, but I think there may be some fluctuations," Zhang said

"Fifty million?" Su Yuwei thought for a moment and said, "it's estimated that no company or factory in our whole city can be worth 50 million. Can you loan so much?"

"Moreover, even if the director is in charge of all the loans in our city, he probably does not have such great power, does he?"

"I don't understand the bank structure, I just guess."

Zhang Qianxiu thought for a moment and said, "there should be some. They should be operated separately and in batches. After all, there are so many people who can borrow money in such a big city."

"Among other things, interest free loans are estimated to be tens of millions a year in the whole city."

Su Yuwei nodded: "what do you want to ask me?"

Zhang Qianxiu looked at Su Yuwei and asked, "you are not surprised at all."

"Why surprise?" Su Yuwei asked: "when you went to collect the state-owned factory, I was not surprised."

Zhang Qianxiu thought about it and continued: "I'm thinking about whether I want to take the 50 million yuan into my own hands and develop myself. I'll bear all the interest at that time."

Su Yuwei pondered and said: "at present, the interest rate of five-year fixed deposit is more than 11%, and the loan is almost the same. It seems that it is still a little lower."

Zhang Qianxiu nodded.

At present, the interest rate of banks is often raised, and the range is still relatively large. In 1990, the average person had 11% of the deposit interest, which dropped to 9% in 1991, and increased to 12% in 1993.

Many of the loans with more than five years are lower than the deposit interest, but most people's loans with less than five years or more.

For those less than five years, loan interest is higher than deposit interest.

Su Yuwei asked, "how much interest can you get?"

Zhang Qianxiu said: "they transfer the loan according to one year's loan period, with an annual interest rate of 10%. They can also make some connections, which should be 8%. They operate once a year and go through the examination once. The money doesn't move."

"They get 16 percent interest on deposits."

"That is to say, there will be 8% interest in the middle."

"Fifty million, four million a year."

Su Yuwei thought for a moment: "that is to say, if you use it for your own use, you have to pay 16% interest. When you go to the bank, it's only 11%, but it's estimated that if you go to the bank without their help, you can't borrow a dime, let alone 50 million."

"According to the input-output ratio of Wanhui and Midian, you can make money even if you use it for your own development."

"The premise is that if you take 50 million yuan, you can keep making money at such a high speed all the time."

"Fifty million is different from fifty thousand."

Zhang Qianxiu didn't calculate Wan Hui's speed of making money: "daughter in law, you can give me a direct suggestion. Should I use the 50 million yuan for my own development?"

Su Yuwei pondered for a while, said: "if you are not afraid of prison, there is no problem with it."

"But you can try to find a scapegoat."

Zhang Qianxiu asked: "what do you mean?"

Su Yuwei found a book called "company structure" on the side table and handed it to Zhang Qianxiu: "I read these days. You can first register two companies, namely company a and company B, which account for 99% of the shares. Then you can find another company which is trustworthy and accounts for 1% of the shares. Then you can use these two companies to invest in a company called C, Each of the two companies accounts for 50% of the shares. A legal person should find someone to be trustworthy. "

"We will transfer the shares of Wanhui, Dongtai, Yihua printing factory and Midian to C company."

"From a certain point of view, you have nothing to do with Dongtai, Wanhui, Yihua printing and Midian. Even if they have problems, you will be fine."

"What's more, these are all limited companies. To say the least, even if you have to pay for them, they are limited."

"When it comes to loans, you have to mortgage and use these factories. You can find a scapegoat to be the" actual manager "and" legal person "of these companies. Even if something goes wrong, unfortunately, Wanhui, Dongtai and Yihua factories and the managers and legal persons you arrange will not have any problems of your own."

"Because you don't directly own any shares of Wanhui, Dongtai and Yihua, you don't have to be responsible."

"But in the process of operation, there must be some difficulties. You have to have all kinds of evidence to prove that the 50 million loan has nothing to do with you. As long as you have something to do with the 50 million loan and your signature, don't touch it."

"But your factories are basically finished."

Zhang Qianxiu was stunned. He probably knew something before, that is, XX company, actually controlled XX company, or indirectly controlled XX company.

I've seen a lot of news like this, but Zhang Qianxiu really doesn't know how to operate it.

At this time, she was answered by Su Yuwei.

However, Zhang Qianxiu was surprised to find that if he controls a company in this way, he can really save a lot of trouble. Even if something goes wrong, he should not have any big problems.

Zhang Qianxiu pondered for a while and said, "daughter in law, if you say so, it seems that this thing can be done!"

Su Yuwei nodded: "you can do it, but you'd better do less in the future. What's more, doing this kind of thing has nothing to do with yourself."

"In the eyes of ordinary people, the method I just mentioned has nothing to do with you, but officials and experts can find all kinds of clues and know that you did it."

Zhang Qianxiu's mind suddenly flashed an idea: that is to create a virtual character, just like in the Shawshank Redemption, the protagonist finally goes to get money, using a fabricated identity.

Now in this era, if you want to register and change your name, you only need to spend a little money. Unlike later, once your name is good, it is very difficult to change.

If you just change a name and spend 30 or 50 yuan, the staff can change the name on your household register. It still has legal effect. It's very simple!

It will be difficult to make a household registration, but it won't be very difficult.

If the shareholder is a virtual person who doesn't exist at all, and all the information, certificates and certificates of this person are in his own hands, legally speaking, the person fabricated by this person exists. He can have his own bank account, open a company, be a shareholder, and be protected by law, but this person doesn't exist in reality.

If it can be done, it can be done seamlessly.

But the legal person can't use it. The legal person often needs to sign something. It's troublesome to operate, and the shareholders are much simpler.

Su Yuwei saw that Zhang Qianxiu didn't say a word and asked, "what's the matter with you?"

Zhang Qianxiu smile, said: "I think of a very good way."

Zhang Qianxiu said his idea again, Su Yuwei thought for a while, nodded and said: "yes."

Zhang Qianxiu rubbed his fists and hands for a while: "then grind it slowly with them, and then take the 50 million yuan to use. Even if you lose money at that time, the most you can do is to lose money to these factories."

As long as people have nothing to do, Zhang Qianxiu has no pressure in his heart.

Su Yuwei reminds Zhang Qianxiu: "if you lose all this money, you will have bad luck for all of them. 50 million will be enough for them to live a lifetime or 20 years in prison."

"And the legal person and actual manager of the factory will also have bad luck."

"In a word, at least a dozen people are out of luck when you have this problem."

Zhang Qianxiu collected his excitement and said, "I'm not too happy. I've done too many things that hurt others and benefit myself. I'm afraid of retribution."

Su Yuwei chuckled: "you don't have any sincerity. You've finished your business. It's my turn."

Su Yuwei's face became more and more dignified: "I heard grandfather Ge say that my master's condition is getting worse. For us, it means to let go."

"I want to find a chance to talk to the master, and try my best to pick him up this time."

Zhang Qianxiu nodded: "yes, when? I'll take you

"I'll go tomorrow. I have time tomorrow." Su Yuwei said.

"OK, no problem." Zhang Qianxiu now has a lot of time to spare. He basically doesn't have much to do. He can spare time at any time.

Moreover, Zhang Qianxiu was in favor of taking over he daoxun.

To put it in a bad way, he daoxun's current physical condition, if there is really any accident, there is basically no chance to respond, and the result can almost be expected.