Set sail1992

Chapter 304 There are loopholes in the rules

"Oh?"

Zhang Qihang smiled, he glanced at Luo Hanwen, and then smiled at Zhao Changming: "So, we are under a lot of pressure?"

Now that Zhao Changming is honest, even for Luo Hanwen's sake, it's inappropriate for him to continue pretending not to understand.

Zhao Changming sighed for a long time, and said with a wry smile: "Manager Zhang, I believe you know something about the situation of our banking system... The situation is similar to what you said. The current situation is that those units that need loans, we don't Dare to give them a loan, because we know that if the money is loaned out, we will not be able to get it back; but on the other hand, we also have work indicators, so..."

"I understand," Zhang Qihang nodded again and again, with an expression of "it's not easy for everyone": "Actually, our local bank in Langya has visited us many times...it's not easy for everyone."

"Yeah, it's not easy for everyone, it's too difficult..."

Speaking of this, Zhao Changming was about to shed tears.

"For Manager Luo's sake, if I can help, then I won't say anything, I will definitely help, but President Zhao, the bank's one-year to three-year loan interest rate is 10.8% now," Zhang Qihang spread his hands, helplessly He said: "Let's not say too much, let's take this production expansion project as an example, a two-year loan of 1500 million, after two years, the interest alone will be more than 300 million. To be honest, if we take the 300 million How many dormitory buildings can be built with the savings of tens of thousands? How many problems can be solved?"

Zhao Changming was also speechless when he heard the words.

Yes, the economy has been overheated in the past two years. In order to control the economy and realize the "landing" of the economy, the country's current bank village loan interest rate has been greatly adjusted. The bank deposit and loan interest rate just made last month is an example. After adjustment Finally, the interest rate for bank loans with a period of one to three years (inclusive) is 10.8%, the interest rate for loans with a period of three to five years (inclusive) is 12.06%, and the interest rate for loans over five years has reached an astonishing 12.24%. Dead man!
Do you think this is over?
It was still very early, and Zhang Qihang remembered very clearly that in the two years between 95 and 96, the bank's five-year loan interest rate exceeded 15%!Even for a short-term loan of 6 months to a year (inclusive), the interest rate exceeds 12%, which scares me to death!
Looking at the speechless Zhao Changming, Zhang Qihang secretly smiled.

He doesn't mind getting a loan from the bank. After knowing Zhao Changming's identity, he has already understood the purpose of this guy, but he must suppress the arrogance of the bank, and let the bank understand that now you are begging me to lend you Money, not me begging you to lend me money!

Therefore, money can be borrowed, but the interest rate must come down!
Of course, if Zhao Changming refuses to lower the interest rate even after he dies, there is nothing to say. Just like what Zhang Qihang said just now, after two years of loan of 1500 million, the interest alone will cost over 300 million.

Fortunately, Zhao Changming is really serious about this loan, and he really doesn't want to give up like this. After hesitating for a while, he still looked up at Zhang Qihang: "This... Manager Zhang, the interest rate is regulated by the state. It’s really impossible, but I can find two points for you from other places, do you think it’s possible?”

"That's still 8.8%. After conversion, the total interest is still more than 260 million. President Zhao, you are so boring. It's only worth two points for cooperating with Manager Luo?" Having said that, Zhang Qihang shook his head with a smile , looked at Luo Hanwen intentionally or unintentionally: "Is that right, Lao Luo?"

Luo Hanwen opened his mouth, not knowing how to answer.

To be honest, before Zhang Qihang mentioned the bank's current loan interest rate, Luo Hanwen really didn't know that the bank's current loan interest rate was so high.

This is also understandable. How could he care about the current bank loan interest rate when he worked in a prison?

Even after the establishment of Huayun Motorcycle Manufacturing Company, he never had a headache about the problem of funds, so he really didn't know what the bank's current deposit and loan interest rates were, even if he occasionally heard people mention the bank's current loan interest rates. Not low, but he just instinctively used the bank loan interest rate of the previous few years to set it up. What was the loan interest rate for one to three years (inclusive) in the mid-80s? 5% up and down.

The annual interest rate of around 5% is not high, and it can definitely do a friend a favor.

But now, after hearing Zhang Qihang say that the current loan interest rate has reached 10.8%, he is stunned: Manager Zhang is right, based on this interest rate, a 1500 million two-year loan, the interest alone is 300 How much can such a large sum of money do?

And Zhang Qihang's last sentence made Luo Hanwen feel a little bit uneasy: Yes, if I help you like this, you will drop me two points, and it is worth two points for my sake?

It's just that although he was not very happy in his heart, he didn't say anything - what to say at this time, wouldn't Zhang Qihang see it as a joke?

On the contrary, Zhao Changming, seeing the slight change in Luo Hanwen's expression, his heart skipped a beat, and then he realized that he had done a poor job in this matter: either he would not give up a penny of the interest rate, and directly explained that the current national policy does not allow it. Luo wouldn't say anything; but if he wanted to give in, he would just give up enough face to the end, until there was nothing to give up, but now it's done...

It's just that it's really hard to say anything to Lao Luo at this moment, Zhao Changming secretly sighed in his heart, thinking that he should go back and explain to Lao Luo.

Luo Hanwen didn't speak, and Zhang Qihang wasn't surprised either. He was able to bring Zhao Changming here, which was enough to show that the two of them had a deep friendship. Naturally, it was impossible to break the relationship just because of his provocation. He continued: " How about this, find the air show, I won't make it difficult for you, the interest rate is 5% for two years, if you agree, then this matter will be settled..."

"5%? That's impossible!" Before Zhang Qihang finished speaking, Zhao Changming shook his head repeatedly: "Don't say it's me, even the governor of the provincial bank!"

"Nothing is wrong, no matter how strict the rules are, there will be loopholes." Zhang Qihang disagreed with Zhao Changming's words: "Well, let me also express my sincerity. If the interest rate can be reduced to 5%, I will give you the bank The system has 200 employment quotas, if you can overwhelm 4%, I will give you 300 employment quotas,"

Speaking of this, Zhang Qihang looked at Zhao Changming, and said slowly: "President Zhao, the employment problems of your family members and children in the banking system also give you a headache, right?"

The banks in the early 90s were not the banks 10 years later. Everyone worked hard and sharpened their heads to squeeze in. The banks now are simply synonymous with stinky shit. Otherwise, there would be no "murder in the past life" Set it on fire, and you will go to the bank in this life.” Banks are not good units, so naturally, the employment of family members and children in the banking system is a big problem.

(End of this chapter)