Chapter 290

When Zhang Qianxiu came back, Su Yuwei handed him a box: "it's for you."

When Zhang Qianxiu saw the picture of the cell phone on the box, he was moved: "daughter in law, I didn't give you any money. Do you buy me such expensive things?"

"I have money to spend myself. You don't have to give it to me." Su Yuwei said indifferently.

Zhang Qianxiu said with a wry smile, "I feel like I'm going to be a soft eater."

Su Yuwei said: "then you can eat a soft meal thoroughly, and leave the van at home. When I want to use it, I will drive the van and the new car. Just drive it."

Zhang Qianxiu opened the cell phone box, and inside was a new cell phone: "daughter in law, if I don't marry you in my life, it's the biggest regret in my life. Where can I find a good daughter-in-law like you?"

Now Su Yuwei has basic immunity to Zhang Qianxiu's mouth flowers: "don't talk nice. I'll tell you seriously. I don't often use the car. I just drive it when I go to the master. It's enough to have that van. I drive it when I learn to drive."

"You're not a big boss when you run outside, but it's better to drive a Xiali than a shabby van."

Zhang Qianxiu put down his cell phone and said, "I'm not a big boss? If you sit still a day, you can earn thousands of yuan. According to the current development trend, the annual income is tens of thousands of yuan, nearly one million yuan. "

"Don't brag." Su Yuwei said with a smile,

Zhang Qianxiu said seriously, "I'm not bragging. I can really earn so much."

"In my opinion, no matter how much money there is, there is no difference between 100000 and 1000000." Su Yuwei said.

Su Yuwei's demand for money is not simple. She doesn't need the best, but when she wants to buy it, she can afford it.

Just like this car, Xiali is actually the cheapest in the car at present, but Su Yuwei doesn't mind, even if it's a shabby van, as long as it can move.

But in this era, not to mention Xiali, even the new tractors need more than 10000. The people who can afford them are all rich.

For Su Yuwei, there is a difference between ten thousand and one hundred thousand. She won't let herself live too well, and she has the ability not to.

But in Su Yuwei's opinion, there is not much difference between 100000 and 1000000. 100000 is enough for her. 1000000 is nothing more than buying a good car. In her opinion, the difference is not very big.

Su Yuwei demands material, but she will not pursue material!

Zhang Qianxiu knew Su Yuwei better and asked with a smile“ Daughter in law, how much did you lose today? "

"Nearly 100000, I have no money." Su Yuwei said lightly.

Zhang Qianxiu sighed: "sure enough, she is my daughter-in-law. She spent 100000 yuan, just like ten yuan."

Su Yuwei glanced at Zhang Qianxiu: "how can I feel that you are satirizing me?"

Zhang Qianxiu quickly waved his hand with a smile: "it's absolutely meaningless. What you spend is your own money. If you give it back to me, how can I satirize you?"

"I put the money in your room and a passbook. The name of the passbook is yours."

Zhang Qianxiu, because he knew Shan Hong, dealt with such things as passbook. Even if Su Yuwei didn't go, he would do it directly.

Su Yuwei "well," said: "I see, my money is not enough, took 3000 yuan."

Zhang Qianxiu wanted to ponder and said, "daughter in law, you have agreed to be with me now? Even if we are not engaged now, we should be regarded as girlfriends and girlfriends, right

Su Yuwei looked at Zhang Qianxiu. After a while, she said, "look at your performance."

"It depends on performance?" Zhang Qianxiu said depressed: "we all sleep under the same roof. Your parents also know me. Master and he both regard us as a couple."

"Well! So what? " Su Yuwei asked with a smile.

"Don't you think we can sleep in the same room?" Zhang Qianxiu said with an evil smile.

Su Yuwei suddenly blushed: "I just saw your performance, now I'm not happy."

Zhang Qianxiu also wanted to say that Su Yuwei picked up the book Zhang Qianxiu read yesterday and stuffed it into Zhang Qianxiu: "read a book!"

"No, I..."

"Read a book!" Su Yuwei's eyes stare at Zhang Qianxiu like autumn water, implying "killing intention".

With a long sigh, Zhang Qianxiu put down the book and turned over a copy of the company law: "I'll read it!"

While reading a book, Zhang Qianxiu suddenly remembered something.

That's the mortgage.

Since things can be mortgaged and things have to be sold, money can be mortgaged naturally.

In the last life, the best way to play this game was "Zhimou Bao". If he lent money to everyone first, he would have a lot of loan agreements, that is, "IOU".

If they have an IOU of 10000 yuan, they will take it to raise money, and they can raise it to 9000 yuan, or even get it back. The money raised will continue to be lent out to earn interest, which is repeated in the past.

Low interest financing, high interest lending, 100 yuan, he can give you a thousand, even two thousand loans.

It should be ok with the bank.

50 million yuan. The low interest rate of loans is only 8%, and that of deposits is 16%. There is an interest difference of 8%.

If Zhang Qianxiu gets the 50 million yuan and then takes the mortgage loan, if he makes the 50 million yuan mortgage loan himself, even if he can't make it as big as the interest difference between Shan Hong and his insiders, even if it's only 2%, one year's interest is astronomical and very reliable.

Take a step back. If you don't play with them, you seem to be able to play.

There are not many times to play like this. In 1998 at the latest, the state will impose stricter requirements on lending.

Now the state needs to develop, encourage ordinary people who are not willing to engage in development and high entrepreneurship to give their money to the state, and encourage courageous people and enterprises to lend for development. Only in this way can we see that the interest rate of long-term loans is a little lower than that of deposits.

Zhang Qianxiu made a special check these days. In April this year, he announced that the interest rate of five-year fixed deposit is 13.68%, which has now become 11.52%. This is a full 2% difference. In the 21st century, there is no interest rate of 2% in the survival period, and it will drop in a few months, just like playing games.

But what's more puzzling is that the interest rate of five-year fixed deposit is 11.52%, and the interest rate of five-year loan is only 11.16%. The loan is 0.36% lower than the deposit, which is obvious.

At this time, the state almost explicitly tells you to borrow money and develop!

In fact, the gap is even bigger, which is why Shan Hong and his colleagues can get an interest margin of 8%.

At this time, bold people, business owners, are desperately borrowing money from banks.

The poor see the high interest rate in the bank, they are all trying to save money, and the bank is also trying to find ways for people to save money.

In the end, the poor people's money went to the rich and brave people, and they took it to do business.

In fact, in the 21st century, such tricks still exist, but they are not so obvious.

Take a look at those companies. Obviously they are not short of money and are still desperately applying for loans from banks. Their money is not used to develop enterprises at all. In those years when the real estate development is good, they turn around and buy houses. Many listed companies, if their performance is not good, throw away hundreds of apartments and pull up their revenue.

If you want to be more stable, you can borrow money from this bank, and then you can buy financial products from this bank. Some companies are clearly in the cosmetics industry, and they are also making profits, but there are more than 1 billion bank loans and 1 billion financial products on their books.

In the 21st century, the interest margin may be only about 1%, but a hundred million yuan can bring about one million yuan a year.

Unfortunately, ordinary people don't have access to it.

Just like what Zhang Qianxiu and Shan Hong do now, ordinary people can't touch them.

………………

The next day, Zhang Qianxiu drove Xiali to send Su Yuwei to school, and then went to Wanhui by himself.

Although they may not be able to cooperate with Shan Hong, Zhang Qianxiu thinks he can have a try. The operation is not very difficult.

Zhang Qianxiu still plans to continue to "strip" himself from the factory.

As for Wan Hui's choice of Chen Fei or Zhou Jun, Zhang Qianxiu plans to talk to them before making a decision.

When he arrived at Wanhui factory, Zhang Qianxiu saw an unexpected person, Lin Qi.

Lin Qi sits at the gate of the factory. She is such a beautiful woman that she attracts the eyes of many factory workers. Not to mention men, even women can't help but look more and admire her.

Zhang Qianxiu parked his car beside Lin Qi and put down the window: "what do you mean, Miss Lin? Did you come to me? "

Lin Qi looked at Zhang Qianxiu's new car and said, "did you change the car? It was the same old van last night. It was fast enough! "

"But your car is a bit of a mess."

The red Xiali TJ7100 is an absolute classic.

Zhang Qianxiu said with a smile: "my daughter-in-law bought it. She didn't have time to drive it, so I did."

Lin Qi curled her lips and said, "you are your daughter-in-law. I know you have a daughter-in-law."

Zhang Qianxiu asked, "what can I do for you?"

"I can't come to you without anything?" Lin Qi said, lying on the window: "do you think I'm beautiful or your daughter-in-law is beautiful?"

"My daughter-in-law." Zhang Qianxiu didn't even think about it.

Lin Qi asked herself a boring question: "you are really boring."

"I also think that if it's OK, I'll go in." Zhang Qianxiu said.

Lin Qi angrily kicked Zhang Qianxiu's car: "it's very kind to feed the dog."

Lin Qi no longer beat around the Bush, directly said: "my brother, they will find you, they will propose other ways to keep the funds, as long as you insist on not agree, they will promise to give you the money to manage, but as a condition, they will let me come to your factory to manage the finance."

"That is to say, let me supervise the 50 million."

Zhang Qianxiu chuckled: "the director and director Zhang trust you very much."

When it comes to Zhang Yunhui, Lin Qi's face is not good-looking, immediately feel boring: "don't tell you, I'll go."

Zhang Qianxiu nodded: "walk slowly!"

With that, Zhang Qianxiu drove into the factory.

Lin Qi stood in the same place, huffing at the back of the red Xiali car, sulking in her own life.

Angry for a while, think of yourself, suddenly and some gloomy, turned and walked towards the bus station, here is still some distance from the bus station.

Zhang Qianxiu stopped the car, did not get off, but lit a cigarette.

He did not expect that Lin Qi would "tip off" himself.

Although Lin Qi often says some ambiguous words to herself, they don't have much contact with each other, even friends. Zhang Qianxiu doesn't believe that he has any charisma. He can make Lin Qi fall in love with himself, just like in romantic dramas. He is not afraid of life and death, not for fame and wealth, and only wants to be good for himself.

Zhang Qianxiu even doubted whether Lin Qi had any purpose in telling himself this.

But it's not good to think about it and tell yourself.

In order to gain their own trust?

That's no use. I'm now transferring shares and controlling the company in another way.

As long as you get rid of the factory before you get the loan.

But if you want to "get rid of" the relationship with the factory, there is another place to explain, that is, the official said when signing the contract that it could not be transferred within a few years.

This is controlled in a different way, and I don't know if it is a transfer.

There is also the problem of loans. Zhang Qianxiu ponders whether to continue to cooperate with Shan Hong.

To be honest, none of these people is simple. Even Han Zhuoyue, who seems to be silent, has his own careful thinking, which can not be underestimated.

Zhang Qianxiu thought about it for a long time. He thought that if it was possible to lend 50 million yuan, he would still cooperate with Shan Hong and others. If he went to borrow money by himself, he would be able to borrow 5 million yuan back from his factories. Amitabha.

If he had 50 million yuan, Zhang Qianxiu would have confidence to make the most of his life.

Maybe more than doing business.

After getting off the bus, Zhang Qianxiu went to the office. Chen Fei is already busy. These days, she is more and more skilled and has more and more management experience. She has a little bit of leadership posture.

Zhang Qianxiu waved to Chen Fei: "come to my office."

Chen Fei immediately put down her work and followed up.

Zhang Qianxiu poured himself a cup of boiling water. It was cold.

Chen Fei came in and closed the door: "boss!"

Zhang Qianxiu asked, "have you started your work now?"

"Not bad." Chen Fei is not so afraid of things and strangers as before. She is a little more capable in speaking and doing things.

Zhang Qianxiu looked at Chen Fei and said, "if you manage this factory, can you manage it well?"

Chen Fei was startled and quickly said: "boss, i... you... Don't make fun of me. I can't do it."

Zhang Qianxiu said with a smile, "how can you know if you don't try?"

When Chen Fei saw that Zhang Qianxiu was serious, she became more and more nervous. She even doubted whether Zhang Qianxiu had any evil intentions towards herself.

Think of this, Chen Fei's face is not from a flash of clouds.

Zhang Qianxiu didn't know what was in Chen Fei's mind. He continued: "I think you are doing well these days. I may not come to the factory often in the future. I want to find someone who can take care of things."

"I'm thinking about you and Zhou Jun at the moment."

When Chen Fei heard this, she knew that she had misunderstood. Her shame suddenly made it hard to speak. She wanted to find a way to get in.