Set sail1992

Chapter 606 Everyone is moved
"you you you……"

Director Niu didn't expect his old comrade-in-arms to talk to him like this. He couldn't react for a while, and pointed at Zhou Anming, feeling a little annoyed: Well, Zhou Anming, we have been friends for so many years, and I didn't tell you anything, right?But you guy, you actually turned your elbow outward at a critical moment? !
Are you fucking human?
"What me?

"As for his old comrade-in-arms who hasn't seen the situation clearly, Zhou Anming snorted angrily, and said: "Lao Niu, let me tell you that Xiao Zhang has a good relationship with AVIC and CCB. I just gave you this opportunity at the post office. If you think it’s inappropriate, okay, then let Xiao Zhang go to the Bank of China and China Construction Bank. I really want to see it. When pushing out the money delivered to your door, do they still recognize you as the bureau chief? "

Uh-huh? !
Director Niu, who had been entangled with Zhang Qihang on that little profit before, suddenly reacted, and then there was faint sweat on his forehead: Damn it!I even forgot that our post office is not the only choice for Huateng Group!

The life of the Post and Telecommunications Bureau is not easy, but apart from the Post and Telecommunications Bureau, the Bank of China, China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China and even the Bank of Communications, these five banks, how easy are their lives?Everyone's life is tight.

So here comes the problem, if the cadres and workers of their own unit know that they are the director, when faced with such a good business that can quickly increase the income of the unit, and even Huateng Group actively sends it to their door, instead of rushing to seize it Instead, it was pushed out of the door, causing the money to be robbed by five other banks. What kind of reaction did they have?
If it really came to that point, I'm afraid that my position as the chief of the bureau will not be secure.

Where is the old comrade-in-arms turning his elbow outward, which is clearly reminding himself to figure out the situation.

Is the old athlete capable of bending and stretching? He blushed and had a thick neck just now when he was arguing with Zhang Qihang, and his face immediately filled with a bright smile: "Mr. Zhang, since your secretary Zhou has given instructions, then I definitely have nothing to say... ...Well, in this way, no matter whether the customer chooses a three-year loan or a five-year loan, we will settle with you at the one-year interest rate, what do you think of this operation?"

They are all people in the system, Director Niu has made such a big concession, Zhang Qihang naturally does not take it too seriously, he nodded happily: "You have said so, Bureau Niu, so let's do it this way, but on my side There is one more small request."

"Huh? What request, tell me."

Zhang Qihang said: "The country's deposit and loan interest rates are constantly adjusted. When the loan interest rate fluctuates, can the loans we take from the Post Office follow the market?"

In Zhang Qihang's memory, the current loan interest rate is not the highest yet. Either in the second half of this year or in the first half of next year, the annual interest rate of the bank's 3- to 5-year (inclusive) loan exceeded 15%, reaching the peak. All the way down, by about 2000, the annual interest rate on the three-year loan had dropped to about 6%.

But there is a characteristic of bank loans in this period, that is, your interest rate is calculated based on the interest rate when you apply for the loan. For example, if you apply for a three-year loan at this moment, the annual interest rate is 13%, but if you , the interest rate of the three-year loan has dropped to 10%, the bank will not take the initiative to lower the interest rate for you, and you still need to repay the principal and interest according to the previously agreed interest rate of 13%.

Zhang Qihang, who is very familiar with the development trend of bank deposit and loan interest rates in the next few years, will naturally not miss this opportunity: The interest rate you give to loan applicants will not be adjusted, but I am qualified to bargain, and the interest rate will drop when the time comes , this part of the profit is mine.

Director Niu frowned when he heard this.

Speaking of which, as the head of the post office at the municipal level, Director Niu can be regarded as a middle-level leader in Huaxia's financial system, and as a middle-level leader of Huaxia's financial system, what he sees and thinks of is naturally Much more than ordinary people, it is very clear that although the current bank deposit and loan interest rates are very high, the room for further improvement is extremely limited, and it can be said that it has basically come to an end.

The so-called prosperity and decline, then when the current deposit and loan interest rates reach their peak, in line with the country's economic landing policy, the bank's deposit and loan interest rates will inevitably fall slowly, maybe it will not take two years, three-year loan interest rates It can drop to less than 2%, and the one-year loan interest rate may even be lower than 10%...

If that happens, things will become ridiculous: the bank has worked hard and only earned 8% interest rate, while Huateng Industrial Group can get 10 points just by relying on the interest rate difference?

After a while, Director Niu finally spoke: "Mr. Zhang thinks that the bank interest rate will drop in the future?"

Zhang Qihang didn't hide it, nodded and said: "Director Niu, you should be more aware that the current deposit and loan interest rates in our country are very abnormal, and they are not the interest rates that a healthy economy can give. Once the policies are gradually put in place and play a role, the deposit and loan interest rates, which are the most important means of regulating the national economy, will inevitably return to their proper position.”

"Since this is the case, then I will not be polite." Director Niu looked at Zhang Qihang and said honestly: "Since Mr. Zhang is also optimistic that loan interest rates will drop in the future, then you can't eat meat by yourself, and you can't even eat soup." Don't give your partner a drink?"

Director Niu has already talked about this, and Zhang Qihang really didn't say it: "Then what do you mean, Director Niu?"

"I don't take advantage of you either. The floating part is divided equally, isn't that too much?"

"Okay," Zhang Qihang also smiled when he heard Director Niu say this: "Then it's settled."

This is the sincerity of cooperation.

"Thank you Mr. Zhang for your understanding." Unexpectedly, Zhang Qihang agreed so happily. Director Niu was really surprised: "In this way, it will be easier for me to explain to the superior and the inferior."

Zhang Qihang said: "Our Huateng Group itself is also a state-owned enterprise."

"Haha..." Speaking of this, Director Niu raised his thumb: "Mr. Zhang, this is your realization!"

"You are too polite, Niu Ju."

"I'm not being polite. There aren't many people I admire in our Langya area. Mr. Zhang is definitely one of you." Speaking of this, Director Niu paused slightly, and then said: "But Mr. Zhang, I have to tell you something. In the front, your project is special after all, and there is no similar precedent in the whole country, so the funds that our post office can provide will not be much, I guess it will not exceed 5000 million."

Zhang Qihang was not surprised by Director Niu's answer. Although he is the head of the Municipal Post and Telecommunications Bureau, such a large fund transfer is not something that he alone can decide. It must be discussed at the meeting and finally reached a collective decision.For such a project without precedent, the Municipal Post and Telecommunications Bureau can spend 5000 million yuan to explore the way, which is considered courageous for them.However, Zhang Qihang was a little curious about the purpose of Director Niu's words: "What do you mean, Director Niu?"

"Your project will not work if you have too little funds, so I suggest you talk to several other banks and even credit unions in our city. If the total funds of our project can reach [-] to [-] million yuan, then it will be stable. , " Director Niu said: "After passing the early stage, the rolling of funds alone is enough to support the subsequent business."

Before Zhang Qihang could speak, Zhou Anming laughed: "Old Niu, Lao Niu, do you think Xiao Zhang will not think of these things?"

"Ok?"

Director Niu was taken aback when he heard this, and then turned to look at his old comrade-in-arms.

"Let me tell you, after I called you, Xiao Zhang talked to me about this," Zhou Anming nodded his old comrade twice, and laughed loudly: "The office building of the Municipal Agricultural Bank is the closest to here. Calculating the time, Old Xie from the Agricultural Bank of China should be here by now."

As soon as Zhou Anming finished speaking, the secretary knocked on the door and came in: "Secretary, President Xie from the Municipal Agricultural Bank is here..."

------------

Under the huge economic pressure of its own family, it only took half a month for Huateng Industrial Group to reach a package cooperation agreement with six banks in Langya City, namely Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications and Post Office... Credit The credit union wanted to join in, but everyone knew how bad the current situation in the credit union was. Zhang Qihang really didn't dare to let the credit union participate... Let's work together to carry out the bus loan business for private individuals.

Next, Huateng Industrial Group and six banks connected with the municipal transportation company and the municipal insurance company.

For this door-to-door business, the city transportation company and the city insurance company were really surprised and delighted: for the city transportation company, this means that they own a luxury passenger fleet with almost no money, which is What?This is my own facade. Since these privately operated passenger vehicles are affiliated with the city transportation company, strictly speaking, it is not a problem to say that these privately purchased "Highway Stars" belong to the city transportation company. However, during publicity, the city transportation company can completely regard these "highway stars" as its own political achievements.

So after understanding the operation method of Huateng Industrial Group's plan, without waiting for Zhang Qihang to open his mouth, the city transportation company took the initiative to propose the idea of ​​"speeding up the elimination and replacement of old passenger vehicles"-in fact, based on this In the name of letting those private car owners who are affiliated with the business change their vehicles;
As for the insurance companies in the city, they are naturally very happy. Although they want to return part of the insurance to Huateng Industrial Group, the insurance cost of passenger vehicles is so high. Even if part of it is returned, this part of the business is equivalent to nothing. out, and for the leaders of the insurance company, this can also be regarded as their own political achievements.

In this case, it took only one month for everyone to sign a multi-party cooperation agreement.

(End of this chapter)