Great changes in the countryside

Chapter 593 Where did the money go

The trick of borrowing money can be hidden from others, but it cannot be hidden from Chen Yang.

The interest rate of personal deposits is very low, and the really rich people don't like it.
There is another 10 yuan, which is actually Cai Shangui's own money, which he lent to his shoe factory through the credit union to obtain interest income.

The last [-] is for other rich people to obtain high interest in the name of the credit union through Chen Yimei.

The biggest hidden danger of this kind of operation is that if the borrower fails to pay back and explodes, the rest will be a muddled account.

Chen Yimei said: "Chen Yang, don't talk nonsense when you go out."

Chen Yang nodded, did not speak, but frowned.

This caught Chen Yimei's attention.

"Chen Yang, what did you think of?"

Chen Yang sighed softly, "Being entrusted by others, I have to think about it."

"tell me the story."

Chen Yangdao: "For a shoe factory, with an investment of 100 million, it is calculated on the basis of 60 days a year, and the annual output can reach 180 pairs. The net profit of each pair is calculated at three yuan, and the annual income is also [-] million."

Chen Yimei said: "You are really a fortune teller. I heard from Cai Shangui that they actually produced 60 pairs of sneakers a year, and they sold out."

"Didn't Cai Shangui say how much money he made?"

"He didn't say that."

Chen Yang smiled, "That's the problem. I made 180 million yuan, invested only 100 million yuan, and left 80 yuan. Where did the money go? Why didn't you repay the loan from the credit union?"

"According to Cai Shangui, in addition to the initial investment of one million yuan, they continued to invest during the period. Of course, the main reason is that they are busy, and they haven't sat down to settle their accounts."

Chen Yang smiled slightly, but said nothing.

Chen Yimei hurriedly asked, "Is there a problem here?"

"There is a problem, the problem is getting bigger."

"Say it, say it quickly."

Chen Yang said: "In my opinion, 30 yuan is enough for the investment of Sanxin Shoes Factory. With the follow-up investment, 50 yuan is definitely enough."

"50 is enough? Chen Yang, you have said too little."

"The biggest investment in running a business is the factory building. Sanxin Shoe Factory rents a house in the village, which saves 20% to 100% of the investment. The rest is sewing machines, cutting machines and other equipment. For [-] yuan, you can Buy a lot, and it will last for three to five years. All in all, the total investment will definitely not cost [-] million.”

"Such a large factory needs a lot of working capital, right?"

"It doesn't take much. As long as the shoes you produce can be sold, the production and sales are not stopped, and the working capital is almost useless. Because the customer can owe you money, and you can also owe the supplier. The two sides are balanced, and the funds on hand It will only increase."

Chen Yimei began to frown, "Chen Yang, according to what you said, there is something wrong with the investment of Sanxin Shoes Factory, at least 50 more."

Chen Yang nodded, "There is still one year's profit. Where did this year's profit go? The one-year profit plus the extra investment will add up to at least 150 million. This is not a small sum."

Chen Yimei asked, "Where did the money go?"

Chen Yang asked, "Where did the money go?"

The two looked at each other.

After a long time, Chen Yimei said: "Chen Yang, my brain is not enough."

Chen Yang said: "After I came back, I heard something from the hearsay. Let me just say it, you just listen to it."

"You said."

Only then did Chen Yang tell Chen Yimei what Cai Fuman said last night about the "three ways to steal money" in his own words.

But Chen Yang kept emphasizing that he was just hearsay and could not guarantee the accuracy and authenticity.

Chen Yimei was stunned for a while, her face expressionless.

But Chen Yang saw it, and Chen Yimei listened.

Chen Yang stood up and said goodbye.

After sending Chen Yang away, Chen Yimei immediately called to find Cai Shangui.

An hour later, what Chen Yang said was transmitted to Cai Shangui by phone.

Chen Yimei was thoughtful and did not expose Chen Yang.

At this time, Chen Yang was already driving the car, leaving Chenjia Village to Zegu Town.

Cai Fumei sat in the passenger seat.

"Yang, isn't your relationship with your second brother a bit cold?"

Chen Yang told the truth, "It's not a little cold, it's very cold."

"Hey, let me remind you. Between brothers, don't make the relationship stiff."

Chen Yang smiled, "That's not the case. As long as we keep our distance, the relationship won't be frozen."

Cai Fuman nodded, "That's true, it's not good to be too close and sticky."

"Hehe, when a woman is in charge of the house, it is difficult for brothers to get along with each other."

Cai Fuman said: "I also heard it. It is said that Chen Bing's wife thought that before she married into the Chen family, Chen Bing had always been at a disadvantage, and you and your family members had always been taking advantage of it."

Chen Yang said: "So what. When I started my business, she was still wearing crotch pants."

Cai Fuman smiled, "However, Chen Bing made it. In addition to the shoe factory and the luggage factory, he also established a micro-electromechanical factory, and the business is also booming. By the way, I heard that his wife's relatives set up a construction company. 40.00% of shares.”

"Brother gets rich, I am happy to be the eldest brother, and I will never be jealous."

"You don't come here. As far as your current assets are concerned, Chen Binggan will not be able to catch up with you in ten years."

"Brother Fuman, don't exaggerate."

Cai Fumei asked: "When you go to Zegu this time, will you meet Cai Xiaohui and Chen Sanpao?"

"No, not a single one."

"What about the other merchants?"

"No. I only see Hu Gang alone."

Cai Fuman nodded, shut his mouth and stopped talking.

When the car arrived at Zegu Industrial Zone, Cai Fuman got off.

Chen Yang drove the car to the bank to check out.

Chen Yang's business is closely connected with the bank.He remitted the money to the bank, and the bank helped him settle accounts with many suppliers without Chen Yang himself having to come forward.

The service fee is not low, but Chen Yang thinks it is worth it.

Coming out of the bank, Chen Yang drove to the Industrial Zone Management Committee.

The four-story management committee, the office of Hu Gang, the executive deputy director, is on the easternmost side of the fourth floor.

Chen Yang came to the door of Hu Gang's office, reached out and knocked on the door twice.

"Please come in."

Chen Yang pushed the door open and entered.

Hu Gang looked up, and immediately got up to greet him, "Oh, why is it you."

"Not welcome? At the wrong time?"

"Where is it, I have been looking forward to your coming."

Hu Gang poured water to make tea again, passed cigarettes to light again, and finally closed and locked the door.

The two sat down on the sofa to smoke and drink tea.

"Yang, tell me first, how are you doing recently?"

Chen Yang explained his situation again.

Hu Gang sighed and said: "Old Zhang still has the most appropriate evaluation of you, a handsome person makes handsome money."

(End of this chapter)