20 years of spring breeze

Chapter 1139 Banks and Posts

Chen Hui said: "You think too much. Let the appointed deputy director take care of the specific work. The aunt is mainly a kind of shock here, and at the same time manage the financial aspects well. And in the past few years, don't feel that aunt Or the woman who just came out of the countryside, who hasn't changed?"

Xiaowei wiped his nose and turned to look at the red spire of the main kindergarten building over there, and said, "Okay, then I'll talk to her tonight and see what he means."

Chen Hui said: "We don't want to make a lot of money, right? Take care of it. If nothing happens to the children, they will be healthy and lively. If you have fun and eat, you can rest assured that the school will accept it, right? That's enough. The aunt is completely competent."

Xiaowei thought for a while and said: "There is one thing, if my mother is here, she can't fight and scold the children. My mother really cares about the children."

Chen Hui said: "Let's set the teacher's salary higher, and there are three rules. It's okay. Who can make trouble with money?"

Xiaowei shook his head: "That's not what he said. Sometimes he may not feel that there is anything wrong and just say what happened. He can't rely on this. Or he can't just rely on this.

Let’s install a closed-circuit system in the whole school, except for the toilets, playgrounds, corridors, classrooms, playrooms, and lounges. Parents can request to watch surveillance videos at any time. Xiaowei turned to look at Chen Hui: "It should be able to attract many wealthy parents." "

Chen Hui didn't understand: "Why?"

Xiaowei said: "Use the best machine. At that time, this record can be sold as a witness of the child's growth."

Chen Hui suddenly realized, and patted his thigh: "Yes, if I guess I can also buy a collection, you are a traitor."

Xiaowei said: "It's not worth much to carve a CD now, and you can pay some favors by buying half and giving half away."

Chen Hui said: "The price of karaoke has been reduced now, so let this DVD player get it. Yesterday my brother-in-law asked me to borrow 100 million, saying that he wanted to set up a DVD player factory. What to do, three discs in a row, I didn't understand .”

Xiaowei said: "If you want me to say, you can just invest a sum of money directly in Chen Peng, buy land and build a factory in a decent way, and build a brand in a serious way. With his connections in Sanhao and Daxi, he will start a business. There is no problem, the quality is almost the same after a grasp.

And it’s not just DVD players, gas stoves, water heaters, range hoods, etc. These things are very popular now, and they will gradually become standard equipment for households. If you build up the brand early, you can get a share in the future.That thing itself has no technical content. "

Chen Hui thought for a while and said: "Why don't I build a factory and rent it to him, and forget about buying shares. Find a place to build a bigger factory, and then give him some money to toss around, and pay the rent after earning it.

I feel that it should be possible to rent out factory buildings now. There are more and more factories, and there is no place in the city.It is unrealistic for everyone to buy their own land and build factories.How do you feel?Isn't there still a lot of open space on Zhang Shi's side?Let's build a factory for rent. "

Xiaowei covered his ears and thought for a while and said, "It should be possible. How big is the building? Build one whole thing? Or build different sizes?"

Chen Hui raised his finger and pointed to the front: "The extension road is four kilometers long. Build a few office buildings, and then build a factory building over there, ranging in size. Two to three hundred square meters, seven to eight hundred square meters, 1000 to two thousand Yes, the factory and office are complete."

Xiaowei lit a cigarette, exhaled the smoke, squinted his eyes and looked at the distance, nodded and said, "That's fine, a few buildings don't take up much space."

Chen Hui said: "At that time, we will also register an industrial park. If the company's factory that comes in, if the project is feasible, we can just invest in some shares. It can't be said that we can develop a few large companies in the future. We will invest in one or two companies. Home is worth it."

Xiaowei raised his eyebrows and looked at Chen Hui: "Okay, now I can do strategic planning. I agree with this matter, and I will fully support you."

Chen Hui said: "Nowadays, it's actually not easy for ordinary people to do something. You see, in addition to the snack department, restaurants sell clothes, food stores, grocery stalls, karaoke and billiard halls. It's amazing to open a bigger one. If you have some money The most important thing is the bath, the dance hall.

Are you saying you can only do this?I don't think so. There are quite a lot of people with ideas. The key is that they have no money.Loans are not reliable now. A few years ago, banks were begging people everywhere for loans, but now you beg them and they will ignore you.Right?
It doesn’t matter whether we have a loan or not. Look at the attitude of the bank. How many times have China Construction Bank and Agricultural Bank of China approached me, but he doesn’t care whether the project is feasible or not, anyway, he just won’t lend to you.

Now launch a personal loan, certificate of deposit mortgage loan, isn't it fun?I have a certificate of deposit, can't I just take it out? I'm a fart for a loan. "

Xiaowei said: "Not necessarily. The loan interest rate is lower than the deposit interest rate. It is not easy for ordinary people to save some money, and some people are reluctant to pay that interest. The bank will be flat once it goes out and in, which is equivalent to the money going around for nothing. Well, the bank doesn't need to subsidize interest.

There are too many deposits now, and the bank will have to pay for it if they don't want to recruit. "

Chen Hui said: "Now the bank and the post office are fighting. Remittances are a huge income, and they have been kept in the hands of the post office. The post office is even ready to absorb savings and open a bank. The bank only pays interest, not only can't earn this money. The money is still waiting for the savings to be robbed.

Now banks are actively transforming and establishing a network. To realize universal deposits and withdrawals, ordinary people only need to carry a passbook or bank card when they go out, and they can withdraw or deposit them wherever they go. In this way, the post office’s remittance income will go to the bank. You know there are some How much not?

Annual revenue of more than one billion yuan.I didn't know that the post office had such a large amount of hidden income before, but I heard my mother talking about it that day.It is estimated that this year the bank will be able to realize the intra-provincial network, and next year, at the latest, the whole country will be able to transfer money directly.It is also convenient. "

Xiaowei asked: "You can open a bank if you want? Anyone can open it?"

Chen Hui said: "You are dreaming. Now there are some people in the private sector. Rich people, especially rich people, are not satisfied with the current banking system and so on. They are colluding together to open a bank to serve private enterprises."

He smiled and shook his head: "It's not so easy. If you are willing to use the money to set up a bank, the state must support it and agree. The combined wealth of these people is indeed powerful. But the fact is that it is owned by the people, run by the state, and managed by the party, understand. ?
You want to build it, okay, bring the money, I will build it for you, you are all shareholders, wait for the dividends.It is a great thing that the country has not paid a penny for an extra big bank, and it is a bank associated with a bunch of big companies. "

Xiaowei said, "Then how can the post office be opened?"

Chen Hui said: "Nonsense, a post office has a special post and telecommunications department. What is the status of that? People who are engaged in petrochemical industry say they are capable, why is there no petroleum department? This still doesn't make sense? They don't even suspend the approval procedures of the central bank. , directly opened nationwide.

Just think about it, which unit can compare with him?There are post offices in the mountains where bicycles can’t even get in. Everyone, some people don’t even know what it’s like outside in their entire lives, but he must know the post and telecommunications and have used the post and telecommunications. "

Xiaowei thought for a while: "Damn, I never thought about it before. Indeed, as long as there are people, there must be post and telecommunications. Doesn't that mean that he will soon be the largest bank with the most outlets in our country?"

(End of this chapter)