Chapter 293

Kong Zhengye was silent for a moment and said, "boss Zhang, I venture to ask, where is the salary higher?"

Zhang Qianxiu was stunned when he heard this, and then he reacted.

Kong Zhengye has patients in his family. He estimates that the situation is quite serious. Even if Ge Qingshan is willing to see them, he still has to spend money.

To put it in a bad way, if the patient leaves any time, do you have to ask for a funeral fee?

Therefore, this person, no matter how noble you are, no matter how tough you are, no matter how rich you are, will still be baffled by the reality.

Just like he daoxun, he is also a man of culture. He is also a scholar. He regards money like dirt, but he has no money. In his later life, it would be better if Zhang Qianxiu and Su Yuwei didn't take care of him.

And Su Yuwei, although she doesn't care much about money.

But this is the money she can earn. She doesn't particularly pursue these things. He doesn't need one million or ten million. But if he wants to support her well, the cost is not small. Last time, she spent 100000 yuan. This is an astronomical number for ordinary people.

Su Yuwei's only difference is that she is smart and can make money. She can feed herself well without relying on a man and live a comfortable life.

But it's not nice to say that if Su Yuwei doesn't make money herself, her character and outlook on money are really beyond ordinary people's affordability.

In the 21st century, Su Yuwei's situation is not much different from those unmarried female doctors. They can make money, much more than ordinary people; literate; Ordinary men don't like it; She is good in all aspects, and many people like her; I am not willing to make do with it. I want to find a person who can get along well with the three outlooks. In the end, I can't find one she is satisfied with.

Su Yuwei meets Zhang Qianxiu, two people see each other, Su Yuwei is willing to pay, in Zhang Qianxiu's view is thousands of good, beautiful, smart, sensible, self-esteem, self-reliance, willing to pay for themselves, sometimes can sell good, almost perfect!

But if you don't meet Zhang Qianxiu, she may be a very picky woman in other people's eyes.

Of course, when Su Yuwei died in high school last life, no one commented on him like that. When it comes to her, everyone has to shake their heads and sigh and say "it's a pity.".

After all, no matter what kind of people, in fact, all need money!

get down to business.

Zhang Qianxiu said: "I earn more as a salesman, but I have to run outside all day, and I have little time to rest."

Kong Zhengye thought for a moment, shook his head and said, "no, I have to go home at noon."

Kong Zhengye turned to look at LV Yuejin and Jin Xiaoqi: "you two can think about it for yourself. Boss Zhang is a good man. As long as you are willing to work hard, he will not treat you badly."

Jin Xiaoqi immediately said, "master, I'm with you."

Jin Xiaoqi and LV Yuejin are both young. In their early twenties, Kong Zhengye is in his thirties.

With a smile, Zhang Qianxiu said, "these things are not in a hurry. You can think about them slowly."

"Master Kong, if you have any difficulties in your life, you can tell me. If I can help you, I will help you."

Zhang Qianxiu knows that Kong Zhengye's problem is nothing more than money. Thousands of yuan and tens of thousands of yuan may be a lot for Kong Zhengye, but Zhang Qianxiu can take it out at any time now.

Kong Zhengye shook his head and said, "thank you, boss Zhang. If I really need help, I will have the cheek to speak."

Kong Zhengye did not immediately refuse.

Zhang Qianxiu nodded: "well, Master Kong, will you move to the edge of the factory then?"

Kong Zhengye said, "well, my father's illness is inseparable from people."

Zhang Qianxiu didn't know about Kong Zhengye's family, and he didn't ask much, just chatting.

However, in the process of chatting, Zhang Qianxiu found that Kong Zhengye should be a very polite, reasonable person. Now he is really driven mad by money.

Zhang Qianxiu wanted to take the initiative to borrow money to him, but he didn't even ask what he had said before. With Kong Zhengye's character, he probably wouldn't ask even if he asked.

In the evening, Zhang Qianxiu and Su Yuwei are reading a Book upstairs. Shan Hong, Han Zhuoyue and Zhang Yunhui actually come.

Zhang Qianxiu really had some accidents: "director Zhang, director Zhang and manager Han, how did they have time to sit here today?"

Shan Hong said with a smile: "boss Zhang, the main purpose of our visit is to discuss the loan with boss Zhang."

Zhang Qianxiu's heart was clear naturally. With a smile, he said: "we can't talk about the dividend. I want 50%, but director Zhang is not willing to give it to me."

Zhang Qianxiu said this on purpose, and he knew very well in his heart that not to mention Zhang Yunhui, even Shan Hong and Han Zhuo could not agree to take 50%.

Shan Hong said: "boss Zhang, you are taking a bigger risk. That's the truth."

"But 50% is too much. There are still five people on our side. One person has 10% left."

Zhang Qianxiu said: "last time I said that you still have a chance to be promoted. Now you are just a county governor. "

"If such a large amount of loans are all paid on time, it will greatly reduce the overdue and bad debts of your bank loans."

"What's more, the 50 million will be deposited in your bank, and your deposit limit will come up."

Shan Hong nodded: "yes, boss Zhang is right."

"But anyway, it's too much for you to take 50%. We can accept 30.5%. All the funds are shared by all of us. What do you think?"

Zhang Qianxiu asked, "how can we hold them together?"

Zhang Qianxiu's goal is actually very simple. He wants to get the 50 million deposit slip.

In fact, Zhang Qianxiu's idea has been constantly changing. This is a more appropriate change after he kept in-depth understanding of various rules.

At the beginning, Zhang Qianxiu really just wanted to cooperate with Shan Hong honestly and earn some extra money; Later, he wanted to misappropriate some funds to develop his own career; Later, he was bold enough to embezzle 50 million yuan; Now, his idea is more perfect. He doesn't misappropriate the 50 million, but he wants to take the 50 million as collateral.

With 50 million certificates of deposit as collateral to the bank, we can borrow 45 million yuan. For such a high-quality mortgage, we can go through some relationships and give some gifts. Not to mention the low interest of Shan Hong, there should be no problem if it is lower than the normal interest.

The 45 million yuan loan is to spend as much as you want, and then deposit the 45 million yuan. Any bank wants the 45 million yuan deposit. Every bank has a deposit task. The more deposits they absorb, the better their performance evaluation will be.

Over and over again, Zhang Qianxiu can use this 50 million deposit slip to leverage at least several hundred million deposits, 45 million, 40 million, 35 million, 30 million, 25 million, 20 million, and so on.

The bank will certainly consider the risk. A 50 million certificate of deposit will not give a 50 million loan. It must be less. Zhang Qianxiu's bottom line is to get a loan less than 5 million at a time. If he can get it, it will be better to get a loan less than 100% of the amount on the certificate of deposit, and more funds can be prized.

Even if each loan is 5 million less than the certificate of deposit, Zhang Qianxiu himself can leverage 140 million yuan of loans, with an interest margin of 2% a year and a profit of 2.8 million yuan.

If each loan is only one million less than the deposit slip, he will be able to leverage more than 1.2 billion yuan. If the interest difference is still 2%, he will earn more than 20 million yuan a year.

You don't have to do anything in a year. As long as you operate these funds well, there will be more than 20 million profits, which is absolutely terrible.

They don't know what Zhang Qianxiu thinks.

Shan Hong said, "boss Zhang, there are six of us. Five of us each deposit 10 million yuan. One of us is responsible for keeping the certificate of deposit."

If the deposit is someone else's name, there is no way to make a mortgage, even if Zhang Qianxiu keeps the deposit certificate, it is useless.

Zhang Qianxiu shook his head: "no, I won't agree."

Shan Hong and Han Zhuoyue talked to each other for a while, but Zhang Qianxiu was indifferent.

Su Yuwei also gave us tea and some fruit snacks at this time, and sat listening.

Seeing that he couldn't say much about Zhang Qianxiu, Shan Hong had to step back and ask for the second place: "boss Zhang, if not, we'll take the second way you said."

"You keep the 50 million yuan, but you can't deposit it in your personal name, but you should take 10% of the profit in the name of your factory."

Zhang Qianxiu had long wondered whether Shan Hong would mention this choice.

I didn't expect to mention it. It seems that Lin Qi didn't cheat herself.

But Zhang Qianxiu couldn't understand why Lin Qi wanted to tip her off. He and she were not very familiar.

Moreover, in this small group, it is obvious that Zhang Qianxiu is like an isolated person. Lin Qi and Shan Hong are cousins, and they also have some kind of relationship with Zhang Yunhui.

What about Lin Qi and herself? At most, he said a few ambiguous words.

Zhang Qianxiu looked at Zhang Yunhui: "director Zhang, do you agree?"

Zhang Yunhui nodded: "I agree, but the factory where you deposit money must arrange a person for us to let Lin Qi go to your factory to manage finance. We don't care about your own funds, but we have to supervise the 50 million yuan, and we can't move a cent."

Zhang Qianxiu didn't take what Zhang Yunhui said seriously in his heart. Instead, he was worried about Lin Qi.

I don't know if Lin Qi has any other ideas. If Lin Qi has any ideas, it will be a trouble.

At that time, Lin Qi went into her own factory and took charge of the finance. It must be inconvenient to take that money as a mortgage.

If Lin Qi takes the opportunity to coerce, or take the opportunity to ask for money, she has no way back.

When the time comes, Lin Qi will not give herself the 50 million deposit slip, which is not easy to do.

When everyone saw that Zhang Qianxiu was silent, Zhang Yunhui was slightly displeased: "boss Zhang, these conditions are all proposed by you. We have all agreed. Can't one person supervise it too much?"

"You can't rest assured that we will manage 50 million separately. Well, this is a big concession."

Zhang Qianxiu was not afraid of Zhang Yunhui. Looking at Zhang Yunhui, he said faintly, "can I rest assured that if you put a person in my factory or manage such an important department as finance?"

"How much money can your factory have? More than 50 million? " Zhang Yunhui feels that Zhang Qianxiu just has nothing to look for and has no sincerity.

Zhang Qianxiu ignored Zhang Yunhui's dissatisfaction, pondered for a while, and said, "I want to meet with Lin Qi and have a talk."

Zhang Qianxiu wants to know what Lin Qi is going to do. Otherwise, even if he doesn't mean what he says, he will not agree to their request and cooperate with them.

After the big deal, I will do it by myself. Although it's smaller, it's all my own. If anything goes wrong, I can control it all.