Chapter 321

Just as they were talking, Liu Qiying came and brought them breakfast: "Mr. Su, boss Zhang, my aunt asked investors and leaders of several studios this morning."

"They said before that they would talk about the script tonight, so they should be able to sign a contract."

"Where do you want to go during the day? I can take you there

With that, Liu Qiying divided the breakfast between them.

Breakfast should be bought around. It's still hot.

Zhang Qianxiu said, "I'll brush my teeth first. Brother Liu, do you know anyone in the bank?"

"The bank? I know two managers, but they have a common relationship. They can eat and drink, and they can help me with some minor things. " Liu Qiying actually didn't fill his words very well.

Zhang Qianxiu said: "I'm going to save money, and then loan a sum of money, you can help me introduce it at that time."

"No problem, I happen to know a business manager who specializes in loans," Liu said

Liu Qiying has been in this business for a long time, and the capital flow of the crew is relatively large. In addition, Liu Weiqin is a director and producer, and the relationship there will certainly be better. Liu Qiying runs around with him and knows some people, but the relationship is really as he said. It's not a big deal. People will sell face. It's a big deal. People can't help him.

Zhang Qianxiu brushed his teeth, changed his clothes, had a quick breakfast and went to the bank together.

When he arrived at the bank, Liu Qiying was familiar with the place and took Zhang Qianxiu and Su Yuwei to the business manager's office.

The business manager is a middle-aged man in his early thirties. Seeing Liu Qiying, he said with a smile, "Xiao Liu, why do you have time to sit here today?"

Liu Qiying said politely, "manager Gong, I brought you two clients today. This is boss Zhang, Zhang Qianxiu, a businessman; This is Miss Su, Su Yuwei, a writer. These two days, I'm discussing with my aunt about selling the copyright of TV series. "

"Boss Zhang, Miss Su, this is manager Gong, Gong Zhihua."

Gong Zhihua was surprised at the identities of Zhang Qianxiu and Su Yuwei. After all, they both looked young, but he was the business manager of loans, not the one in charge of deposits.

Gong Zhihua is also exquisite mind, immediately understand, it is estimated that Zhang Qianxiu what loan business, said with a smile: "boss Zhang, Miss Su, sit down!"

"Xiao Liu, sit down, too!"

Gong Zhihua went to pour water for three people.

Zhang Qianxiu sat down and said, "manager Gong, I'm sorry for your rash visit."

"If you don't disturb me, my job is to receive boss Zhang?" Gong Zhihua joked: "it's Mr. Su who has less culture."

After a few polite remarks, Zhang Qianxiu said, "manager Gong, I'd like to inquire about the mortgage loan of deposit slip. How much loan can you give me with a deposit slip? What's the interest rate? "

Gong Zhihua, after all, is an insider. He can understand the middle of the story as soon as he hears about it.

Otherwise, no one will be idle egg pain, take the deposit slip to loan, this is not to take off pants fart?

Gong Zhihua didn't move his face and asked, "boss Zhang, how much do you have in your bank?"

Zhang Qianxiu said, "is there any difference between one million and ten million?"

Hearing 10 million yuan, Gong Zhihua's face changed slightly. He took a look at Liu Qiying and wondered whether Liu Qiying was reliable. Moreover, he did not know the origin of Zhang Qianxiu and Su Yuwei.

Zhang Liu Qiying saw Gong Zhihua's look and eyes, and immediately stood up: "boss Zhang, teacher Su, manager Gong, it suddenly occurred to me that my aunt told me something. I'm going to call her. Excuse me."

Zhang Qianxiu also saw Gong Zhihua's face, instantly understood that Gong Zhihua might have guessed something.

And he didn't expect that Liu Qiying would be so clever and quick to respond.

After Liu Qiying went out, Gong Zhihua said: "boss Zhang, your operation is a little risky. I hear you are not a local. If you play in your local place like this, it's not a big problem. If you want to operate in the whole country, it's still easy to have problems."

Zhang Qianxiu asked suspiciously, "manager Gong, do I have problems with normal loans?"

Gong Zhihua said: "if you get a normal loan, naturally there will be no problem. But boss Zhang, you can't deposit money in one place or in one person's hand and then make a loan. If you operate repeatedly, you have to go through the hands of many business managers. If you meet someone who is more upright, you will be directly reported and investigated, It's easy to have problems if the amount is too large. "

"The most important thing is the name of your loan. The interest rate of normal loan is not low, and there is no price difference to earn. If you want to loan at a low interest rate, it is all projects supported by the state, and it should be used for special purpose, and can not be used for other purposes."

Zhang Qianxiu instantly understood that there is no problem with your deposit and loan, but if you want a low interest rate loan, you must be supported by the state to do the project. If you don't do it, you will be cheated.

The state is not stupid either. They clearly know that the interest rate of deposits is high and the interest rate of special support loans is low. They can certainly think of their own operation and can not do without supervision.

Zhang Qianxiu's operation, in fact, is to take the national support loan to deposit, which is equivalent to misappropriating the funds of the support loan.

If all aspects of the relationship are through, it naturally does not matter. If the people below do not say it, the people above will not know it. But if the number of operations is too many, it is certainly impossible to operate in the hands of a business manager. The same person, in the hands of the same business manager, has made several ten high-value loans. All fools can see the problem.

If you operate all over the country, I don't know when I will meet a righteous person and I will sue you. If the state finds out that you have misappropriated so many supporting loans to earn interest difference, it's not a trivial matter.

Zhang Qianxiu looked at Gong Zhihua for a while, wondering what Gong Zhihua's intention was to wake him up like this.

Gong Zhihua saw Zhang Qianxiu's eyes and said with a smile, "boss Zhang, I'm just an ordinary person, not a kind of upright person. Everyone wants to live, right?"

Zhang Qianxiu gently smile: "manager Gong is honest, we just meet for the first time, do you believe me so?"

Gong Zhihua said: "I believe my vision. If boss Zhang has enough money, I can help manager Zhang operate it once."

"But I want a 10% commission on the difference in interest."

It's so direct and bold.

Zhang Qianxiu said: "manager Gong, it seems that the special loan will be reviewed in the later stage?"

Gong Zhihua nodded: "yes, but these problems are not big. I can make it clear in the materials that boss Zhang's project failed two months after it was started, and the follow-up review naturally disappeared. This has become an ordinary loan, not a special loan."

"If boss Zhang makes repayment on time, the deposit slip will be returned to you naturally. If you don't pay it back, isn't the deposit slip still like this? I don't have much of a problem

Zhang Qianxiu can see that Gong Zhihua is also an old hand. It's estimated that he didn't do this less.

For people like Gong Zhihua, cooperation with him is just as good, that is, there is little chance of problems, but as long as there are problems, he will definitely push others.

Zhang Qianxiu is still thinking about it in his heart. Su Yuwei has already said: "forget it, this loan project is a little risky."

Su Yuwei doesn't object to Zhang Qianxiu doing something beyond the law, but she can't go too far. Most importantly, she can't put himself in danger.

Before the operation in his hometown, Zhang Qianxiu has set up a lot of shields. Even if there is an accident, Zhang Qianxiu will not have an accident himself.

But it's not the same in Shangjing. According to Gong Zhihua, if something goes wrong at that time, Zhang Qianxiu will not be able to run.

Gong Zhihua looked at Zhang Qianxiu: "boss Zhang, do you mean that too?"

Zhang Qianxiu is still hesitating. Su Yuwei has cast a look at Zhang Qianxiu and advised him not to take too much risk.

Seeing Su Yuwei's eyes, Zhang Qianxiu thought that it was not worth taking risks for millions.

"Manager Gong, thank you for your kind reminding. Forget about the loan." Zhang Qianxiu said.

Gong Zhihua was a little surprised. He didn't think that Zhang Qianxiu gave up because he said a few words.

In fact, the original intention of Gong Zhihua and Zhang Qianxiu is to hope that Zhang Qianxiu can operate once here and not go to other places. After all, the more times he operates, the greater the risk.

Normally speaking, as long as the early operation is good, there will be no problem in the later review.

But this constantly change place, change bank, change business manager to loan, who knows when will meet a lengtouqing, report you?

Gong Zhihua is not reluctant, said with a smile: "boss Zhang, I hope we have more cooperation opportunities in the future. If you really want a loan, as long as you have high-quality industries and so on, I can also provide you with a loan."

Zhang Qianxiu thought for a moment and asked, "manager Gong, can I borrow money from other countries?"

Gong Zhihua said: "it's quite difficult, except for the easy to carry collateral such as gold and deposit receipt. If your assets are in other provinces, we have to go to other provinces to audit them. It's too far away."

Zhang Qianxiu asked, "can't you inform the local audit team about the audit?"

Gong Zhihua said: "the general situation is that each province or region has different management levels, so there are certain difficulties and risks in cross regional operation."

Gong Zhihua didn't make it clear, but Zhang Qianxiu probably understood what was in it.

If you think about it a little bit, now communication is underdeveloped, and every province is independent of each other. It is responsible for the above, and its own business is handed over to others. What is the responsibility in the future? After all, every region has its own performance.

Although Zhang Qianxiu stopped lending money, Gong Zhihua was still more hospitable and chatted with him.

Most importantly, Gong Zhihua, except for a few questions and most of the bank's questions, knows and answers everything.

Zhang Qianxiu didn't mind learning more.

After chatting with Zhang Qianxiu, he found that the management details of the banking system in each place are actually different, but they are almost the same. It may be regional problems and local policies.