Director's growth history

Fang Yuan did not forget the important purpose of coming to Song Sisi's house today.Weng and son-in-law started chatting, Zhu Rui was serving tea, and Song Sisi was tired of Fangyuan's side, unwilling to leave for a moment.Song Sisi, who was already a little bit pregnant, was originally a little bird and dependent personality. After she was pregnant with a baby, her dependence became stronger than before.Fangyuan is Song Sisi's only backbone.

Fang Yuan said: "Uncle, I heard that you are planning to partner in private loans?" Song Dacheng glanced at Song Sisi and said, "I have such an idea, but it has not been implemented yet." Fang Yuan said: "Then I advise Uncle not to take this road. "Song Dacheng said: "Many people have made a lot of money." Fang Yuan said: "There will be no pies in the sky. There is no reason to use money to make money. This is actually the same as pyramid schemes. In the end, all the money was squandered by the upper family, and both the lower family and the lower family ended up with no money, and became poor poor people." Song Dacheng said: "This time, I didn't think about being a next family. All we have to do is always go home.” Fang Yuan said: “I know. On the surface, we are the most beautiful. But uncle, have you ever thought that when all the next family members want to cry but have no tears, they will petition and will Going to the streets, when so many ordinary people are making trouble, the government will definitely come forward to clean up this family. At that time, are you willing to be arrested by the government, and then use all your property in exchange for cash to compensate these homeless family members? "

Song Dacheng was silent.

Fang Yuan said: "Why can private lending attract so many ordinary people to participate? This is the bad nature of the Chinese people: they are greedy for petty gains, and forget their reason when they see profits. Private lending, interest is higher than that of deposit banks, and these ordinary people are optimistic about earning more interest. But Let me ask Uncle: How do you earn such a high interest rate? Can you earn such a high interest rate by starting a Dacheng company?"

Song Dacheng said: "Starting a company doesn't make that much profit."

Fang Yuan said: "This is the crux of the problem. Since starting a company can't earn much higher interest than the bank, then you have no money to distribute the interest to the ordinary people who join your private lending company. Therefore, the usual way is to use The principal of the new entrants is used as the interest of the previous entrants, and by analogy, you, as the top family, will eventually have no money to pay interest because there are no new next entrants to join, and eventually you will go bankrupt.”

Zhu Rui said: "Yes! Fangyuan's analysis is so simple! Dacheng, I think this matter is hanging in the balance!"

Fang Yuan said: "The US subprime mortgage crisis that emerged this spring or in 2007 has a similar reason to private lending. When the subprime mortgage crisis is no longer able to support the previous one, the pyramid will suddenly collapse. Collapsed. When the time comes, what will Auntie do? What about Sisi? What about Sisi’s child? And what about you and your aunt’s relatives?”

Song Dacheng finally couldn't help but took out a pack of cigarettes, pulled out one, and lit it.Just as Zhu Rui was about to speak, Fang Yuan waved her hand.

When a cigarette was almost finished, Song Dacheng slammed the cigarette butt into the ashtray and said, "It's all the government's fucking fault! Let the bank lend money to the state-owned enterprises, knowing that they are losing money, but still want to loan, to order Pressing down on bank loans, even if it is a bottomless pit with no possibility of getting it back, you still need to borrow! What about private enterprises? What about small and medium-sized private enterprises like our Dacheng Company? Enterprises have good profits and want to expand their production scale. No; the profit of the enterprise is not good, and the loan is even less available. It is a pity that the money in the hands of ordinary people in Dongzhou is not used. Dacheng Company is now developing well, so I want to expand the scale of production, bank loans, The approval process is too cumbersome and the total amount is limited, so it is really difficult to get the amount of money I want.”

Fang Yuan said: "I'm in charge of the bank loans. Uncle, we must withdraw from the private lending. This is a bottomless pit. If our company expands the production scale, the products cannot meet the expanded scale. If we sell it, our company will lose money and the debt burden will become heavier and heavier. Even if you don’t think about yourself, you should think about it for our family, Auntie and Sisi .”

Song Dacheng frowned.Zhu Rui handed the hangover soup to Fang Yuan, and said, "Dacheng, don't be greedy for big things. Isn't it good that we are like this? Sometimes, the bigger the mess, the more hopeless it will be in the end. Xiao Fang is right, think about it. Si has a baby, no matter what you do, you have to think about Sisi and the child! What's more, we can have a guarantee for the rest of our lives, right?" Song Dacheng said: "It's easy to get in, but hard to get out! I just got in , The money handled is almost 12 million. The 3.75% interest rate is nearly four times higher than the bank's 4% interest rate. I want to withdraw, where can I get this 12% interest rate?"

Zhu Rui was furious immediately: "Didn't you say you were going to do it? Why did you do it yourself behind Sisi and me's backs?" Song Dacheng's voice was not low: "Isn't this money coming quickly? If you want to get a bank loan, it will be a year of the monkey. Can you finish the approval procedures?" Zhu Rui said, "You...you really pissed me off!" Song Sisi said, "Dad, you're shooting yourself in the foot!" Song Dacheng said, "It's all like this , I’m already on the pirate ship, can I still retreat? I’ve thought about it too, the more I think about it, the more I’m afraid!”

Fangyuan said: "Uncle, how long have you been in?" Song Dacheng said: "Almost a month." Fangyuan said: "Break your arms and survive! This is like pyramid schemes, it's easy to get in and hard to get out; it's the same as taking drugs. Don’t smoke, someone who goes in will tempt you to smoke! If you can quit this time, uncle, can you cut off the contact with those so-called friends?” Song Dacheng said: “It’s terrible! These people are very powerful. Once I They expressed their desire to quit, and they immediately took out their guns and put them on the table. On the one hand, they used money and interests to lure them, saying that it was a pity that I gave up making a lot of money; on the other hand, the guns were there, and I knew The secret of the operation inside, can they let me live?" Fang Yuan said: "Uncle, uncle, you are a money addict! You are already 50 years old, how can you still believe in such a good thing as a pie in the sky?" Song Song Dacheng said: "If you want to quit, what about the interest?" Fang Yuan said: "The interest will be paid out of Dacheng's account. Fortunately, it's only less than a month, 1 million, that is, a loss of 100 million, and we still have to bear it." Affordable. This 100 million is a lesson! Uncle, if they dare to threaten you, let me deal with them! Wang Chuyin, the chief of the Public Security Bureau, is my elder brother. Whether or not to investigate them, the initiative is in our hands. If they really dare to act recklessly, they will be thoroughly investigated before the Spring Festival this year! They will not be able to make it through the next year! No, the Chinese New Year should still be celebrated, but they will pass it in prison!" Song Dacheng said: "This loss is 100 million!" Zhu Rui's teeth itch with hatred: "100 million is in vain! Song Dacheng, you are such a bastard!" Song Sisi said, "Dad, I'm ignoring you."

Fang Yuan said: "It's useless to be heartbroken that the 100 million is useless. Quit cleanly and clear all the procedures. Let our company's legal counsel go with you. You must pick it up and never leave any tails. Uncle , I hope to learn the lesson of this time. In the future, you must discuss major matters with me, and you can’t make up your own mind!" Song Dacheng was dejected: "Okay, I will discuss major matters with you in the future." Zhu Rui said: "Small matters must be discussed with me Look at you, you have caused such a big disaster! Sisi and I are busy in the company every day, is it easy to earn this 100 million?"

Song Sisi cried.Throwing into Fangyuan's arms, weeping.She was also very angry by her father Song Dacheng, but she didn't know how to swear, and she didn't know how to relieve this emotion in her heart, so she could only cry in Fangyuan's arms.

"I'll take care of the loan. Although it takes longer to get a loan, at least the interest rate is low, and at least it's safe and reliable. I believe that I will have a little face with the president of the bank."

This is Fang Yuan bragging.However, Fang Yuan thought of Sun Yizhi, the Director of Finance.Fang Yuan believed that Sun Yizhi must be the guest of honor of the presidents of major banks.Which bank deposits the tens of billions of municipal finance income a year, that is the number one depositor that the bank must win!Even if it is passed by, how much profit the bank can generate between entering and exiting!What's more, tens of billions can't be spent immediately, and banks can use the unspent money to make money by lending.To store funds for the government, and because the national tax and local tax are collected every month, they are increasing every day.It is absolutely not wrong to regard the government as the first depositor of the bank.If you want a loan, you can go to Sun Yizhi and ask Sun Yizhi to contact the relevant bank. Who would dare not buy it?

Looking at her son-in-law, Zhu Rui felt very satisfied; looking at her husband, the more she looked at her, the angrier she felt!In the blink of an eye, 100 million was in vain. Although the Song family was considered a rich family, the 100 million was not so easy to earn. An output value of 100 million is easy; but a tax profit of 100 million is the real personal asset, which is possible only with an output value of at least 1000 million!

Fangyuan's cell phone rang.Fang Yuan took a look, gently pushed Song Sisi away, and said, "It's Kong Shuanghua's call."

The living room suddenly fell silent.The mountain that cannot be circumvented is indeed inescapable.Song Dacheng seemed to have forgotten that he had just caused trouble for everyone, so he also pricked up his ears; Zhu Rui and Song Sisi looked at Fang Yuan nervously, not wishing to hear that Fang Yuan was leaving or other bad news.