Chapter 346

Zhang Qianxiu nodded slightly and said, "Mr. belfshka, I know it will be difficult to get a loan from your country, but you can certainly think of a way."

"We also know that people don't talk in secret. I want a loan of 200 million yuan, interest and pumping. If I can promise, we'll cooperate. If I think it's too high to accept, I'll make a friend."

Belfshka "ha ha" a smile, said: "Mr. Zhang is very straightforward, very straightforward, I like to work with Mr. Zhang such a person."

"I can give you a loan, but not 200 million."

When Zhang Qianxiu saw that belfshka had a way, he said, "what are the specific operation steps?"

"Embezzlement." Berfshka said: "in our country, it is very arduous to make official business. Let me give you an example. Farmers spend 100 yuan on seeds, fertilizer and other costs to grow crops, and harvest 150 yuan worth of agricultural products. The state spends 80 yuan to buy them."

"As a result, a lot of places prefer to collect their own rice for the government."

"Our operation is actually very simple. First of all, we need to find several large farms and factories, let them borrow money, and then you can borrow money from them."

"They need a certain amount of interest when they borrow money from our bank. They also need a certain amount of interest when they lend money to you."

"But these factories and large farms need collateral, so you have to set up a company overseas to buy certain assets as collateral for them."

"Then, Mr. Zhang has to give them some fees."

Zhang Qianxiu instantly understood that this is a disguised form of private loans, but such loans are really a little black hearted.

If the bank wants 15% interest to lend to the farms and factories in the Soviet Union, the factories themselves have to earn part of the interest, and Zhang Qianxiu has to bear both.

Zhang Qianxiu was still pondering over this matter, and berfshka said, "Mr. Zhang, I'll tell you the truth. Even if we borrow 200 million yuan, we'll get so much money. The money you get is estimated to be about 100 million."

"I heard Valeri say that you need to borrow for ten years. After ten years, you will have to repay about 2.6 billion."

"I'm a very honest person. I'll tell boss Zhang what he looks like. There won't be exaggeration or anything like that, and I won't hide anything from you."

This loan is definitely unfair.

If you lend 100 million yuan to an ordinary person this year and return 2.6 billion yuan ten years later, someone may borrow it because he thinks that 100 million yuan is worth it even if he can't pay it back in the future. At least he's been hoarding for ten years. After ten years, he can't pay the bill alone. Do you bite me?

But if someone borrows you 100000 yuan and makes you repay 2.6 million yuan ten years later, many people will not want to because 100000 yuan will not change anything. It may just be his income in one year, and the debt of 2.6 million yuan is dead on his head. It will take him 26 years to earn it back.

Take a look at the mortgage. If you pay one million mortgage installments, 30 years later, the total amount of repayment will only be two million, which is only doubled. Although there are some differences, it is not difficult to see that the loan of belfshka is totally usury.

Zhang Qianxiu said, "Mr. belfshka, you have to tell me the interest and where you need to spend money."

Belfshka was surprised to see Zhang Qianxiu continue to ask, such as usury, as long as people understand a little financial knowledge will not be willing to accept.

But Zhang Qianxiu agreed, which surprised belfshka.

Belfshka even thought about whether Zhang Qianxiu would not repay the loan after he made it, but the possibility is not high. Because it is a financial crime, they can apply for the extradition of Zhang Qianxiu and arrest him.

Many people who commit financial crimes run to country B in country A. Congress B understands the specific situation in accordance with international law, and then assists in the investigation. After the suspects are caught, they will be handed over to country a for handling.

If he owes more than 2 billion Lu Yuan, it will be more than 10 billion Chinese yuan at the current exchange rate, which will definitely allow Zhang Qian to finish his work.

Belfshka immediately vetoed Zhang Qianxiu's idea. He absolutely didn't want to default.

If not, is it fraud?

But waleri and Zhang Qianxiu cooperate. Belfshka knows about private affairs. Zhang Qianxiu's identity should be OK. If there is a problem, waleri can't cooperate with him.

After thinking about it, belfshka couldn't understand why Zhang Qianxiu had the courage to go to the Soviet Union to borrow so much money.

"Mr. Zhang, before I answer your question, may I ask you a question?" Belfshka couldn't figure out his doubts.

Zhang Qianxiu nodded: "yes!"

"Mr. Zhang, the interest rate I'll give you is certainly not low. Although you get a hundred million yuan, it's a lot of money, but it's not cost-effective compared with the money you want to pay back in the future."

Zhang Qianxiu said with a smile, "because I have a way to turn this one billion into one hundred billion."

Zhang Qianxiu is talking nonsense. He really can't help it.

If belfshka can be a bank president, he can still understand the financial aspects. He shook his head repeatedly: "impossible. I'm not good at saying that. Even if you cooperate with Valeri, it's impossible."

"The bigger the assets are, the slower the growth will be. If any industry reaches a certain scale and wants to continue to grow, it will be limited. The same is true for making money. Although it is not difficult to make money, it is impossible to change 100 million into 100 billion in ten years."

"100 billion Lu Yuan is equivalent to more than 400 billion Chinese yuan. At present, no industry has such a high output ratio, even the arms and the businesses in the golden triangle."

Zhang Qianxiu said with a smile: "this is my business secret, but I can give some tips on technology."

The scope of science and technology is very wide, including biotechnology, electronic technology, information technology, aerospace technology and so on.

But belfshka still shook his head: "the realization time of technology is too long. The steam engine is a great invention, but it took so long from its invention to changing the world."

"To put it in a bad way, Mr. Zhang, even if you can invent a technological product that changes the world like the steam engine, you will not be able to increase your wealth by a thousand times in ten years."

Zhang Qianxiu said, "Mr. belfshka, I don't think that's what you care most about, is it?"

Belfshka "ha ha" a smile, said: "I'm just curious, just ask, I'm just responsible for helping Mr. Zhang loans, other I don't care."

"Then let's get back to business."

"I've already told Mr. Zhang about the loan procedure, and then the expenses of all parties."

"Mr. Zhang, I want a 15% commission."

Belfshka looked at Zhang Qianxiu and wanted to see his reaction.

But Zhang Qian had no expression on his face, and berfshka was not sure what Zhang Qian Xiu thought.

Zhang Qianxiu said, "Mr. belfshka, just finish all the expenses. Let's have a little more discussion."

Zhang Qianxiu didn't discuss with belfshka one by one because he didn't understand the Soviet financial system and banking system, and he didn't understand some international rules.

After doing business for such a long time, Zhang Qianxiu knows very well that if you don't understand the rules, you'd better ask the people who understand the rules. The rules are the interests of most people. In other words, the existing rules can actually maintain the rights and interests of the superiors, and the superiors will not want the rules to be broken.

You rush in as a new person, and you don't know how to die.

Another reason is that Zhang Qianxiu didn't know how much he was going to spend. He talked with him about one item, even though the proportion was very low. In the end, he gave you a lot of messy charges, which added up to the same amount.

Belfshka could probably guess Zhang Qianxiu's idea, nodded slightly and said, "yes, I'll list the expenses now."

Belfshka said a lot to his translator. The translator took out a pen and paper, wrote a note and handed it to Zhang Qianxiu: "Mr. Zhang, all the expenses are here."

Zhang Qianxiu took the note and looked at it carefully.

Belfshka Commission 15%; 10% of farm and factory management personnel; 10% of other relevant personnel to dredge the relationship; The annual interest rate of bank loans to factories and farms is 18%, which needs compound interest. However, the farms and factories need to earn part of the interest. Zhang Qianxiu has to bear the 18% annual interest rate, so the total interest rate is 28%.

In addition, 15% of the assets will be bought abroad, and these assets will be mortgaged to farms and factories abroad.

These assets must be purchased by belfshka, and there will be a charge of 2%.

Finally, a repayment amount table is written on it.

In the first year, it will be 200 million yuan, and the interest will be 56 million yuan. In the case of compound interest, the interest will be 72 million yuan in the second year and 92 million yuan in the third year. In the tenth year, the interest will be more than 400 million yuan, and the total amount of repayment will be 1.851 billion yuan.

Zhang Qianxiu calculated that the annual interest rate of 100 million yuan would be 30%, and the compound interest rate would be 1.3 billion yuan after 10 years.

This is an increase of 100 million yuan, but a decrease of 2% of the annual compound interest. After ten years, the interest difference is only about 500 million yuan, which shows that the compound interest is very serious.

Zhang Qianxiu has read a book about financial management. A person or a couple starts to save money at the age of 25, 300 yuan a month, and the annual income will be stable at 10%. In 30 years, when he is 55, he will have more than 600000 yuan in savings; If you save 3000 yuan a month, it will be more than 6 million yuan.

In this book, there is another example. If you save 20 yuan a day, if you can guarantee 25% of your annual income, you will have 19.36 million yuan in 30 years; If the income is 12% per year and 20 yuan per day, it will be 1.29 million in 30 years; If the annualized income is 8% and 20 yuan is saved every day, there will be 880000 yuan in 30 years.

The most important thing is to stabilize the rate of return every year, which is compound interest.

When he saw this book, Zhang Qianxiu also lamented the power of compound interest, and also lamented that ordinary people did not manage their money, they really lost a road to wealth.

In particular, in the early 1990s, it was not difficult to get an annual return of 10%. Any bank can get a 10% return.

However, for ordinary people in the 21st century, it is not easy to find financial products with stable annual income of 25%. Such high income is basically accompanied by risks.

Even Mr. Buffett's compound annualized rate is less than 25 percent.

get down to business.

Zhang Qianxiu put down the piece of paper and said, "Mr. belfshka, you are so tall. You just got me a hundred million dollars!"

"You give me a real point of data, this data, I can't accept."