Rebirth to 90s: Start from Scratch

Three people sit down.

After a while, Dai Yingwu began to arrange the dishes.

In the beginning, everyone was just chatting about the daily routine. Lin Qi would "tease" Zhang Qian from time to time. When Shan Hong saw that Lin Qi was a little overdone, he would stare at Lin Qi, and Lin Qi would be honest.

Zhang Qianxiu originally thought that Shan Hong and Lin Qi should have some kind of "couple" relationship, but after chatting, they found that the two should not be in that kind of relationship. Lin Qi was obviously afraid of Shan Hong's anger, but she felt a little bit pampered and spoiled. .

After drinking three rounds of food and five flavors, Shan Hong said, "Boss Zhang, we rarely have a drink here. During this time, you have made a deposit in our bank, but it has helped me a lot. If there is anything in the future, I can help, just say it."

Zhang Qianxiu was not polite and said, "President Shan, I really want to ask you for help."

"If you ask or not, boss Zhang said something straight." Shan Hong patted his chest: "As long as I can do it, I won't refuse."

Zhang Qianxiu knew very well that the relationship between him and Shan Hong was not as good as this. They were all about mutual benefit, or they were interested in the long-term development of the other party.

Zhang Qianxiu said: "President Shan, I recently discussed a cooperation with the city. I will take over the three state-owned factories from the government."

Shan Hong is not part of the state-owned factory system, and he doesn't know these things. Instead, he feels a little surprised: "Is our state-owned factory in this county or another county?"

Zhang Qianxiu smiled lightly and said, "It's not a big factory, one is Dongtai Cannery, one is Wanhui Biscuit Factory, and the other is a printing factory in Zuoming County."

These two factories are indeed not big, but in this era, those who can open factories, especially those who can take over the state-owned factories from the government, are capable.

Lin Qi was not very surprised, when she heard this, she secretly shook Zhang Qianxiu's wink.

Zhang Qian corrected himself to discuss business affairs with Shan Hong. As he didn’t see it, he continued: “President Shan, Dongtai Cannery and Wanhui Biscuit Factory still have a lot of orders, but there are big problems in management and operation. Rectification is needed, and the production process must be improved to increase production efficiency."

"But I need money to do these things. I don't have enough funds now. I wondered, I want to borrow a batch of interest-free loans and low-interest loans from the bank."

In the previous life, Zhang Qianxiu was just an ordinary person and was not clear about these loans.

But in this life, because of different status and different information, coupled with the experience of the previous life, many ideas are more flexible than people now.

For example, bank deposits this year, fixed for five years, announced to the public, the highest interest rate is 13.6%, but large-term deposits, if you have a relationship, can reach 15.8%, and the interest is compounded every year.

What is this concept? According to the annual compound interest of 15.8%, you put 10,000 yuan in the bank for five years, and when you withdraw it, it will be a little more than 20,000.

In this era, the interest on fixed asset loans for five years is only about 11%. It is still simple interest, not compound interest. In other words, if you borrow 10,000 for five years, you will only repay 155,000 after five years. .

In other words, it is five years, you can get the highest interest rate for large-term deposits, and then get fixed-asset loans, you don't have to do anything, and you can earn 1,000 for every 10,000 yuan per year.

What is the concept of a thousand? It is equivalent to an ordinary person's annual income, and farmers basically can't reach this income.

If you can get a long-term interest-free loan, hold 10,000 yuan in your hand for five years, as long as you have a bank, you don’t have to do anything, and you will earn more than 10,000 yuan in vain.

Of course, to do all of this, there is a relationship. Fixed asset loans are only for corporate investment and construction of fixed assets. In other words, the money is only used to build offices, factories, equipment, etc., then do it. Nothing else will work.

But people are alive. As long as the loan is released, the bank will say hello to the bank. How to use it is not the final decision?

Zhang Qianxiu had the idea to get some interest-free loans and low-interest loans from the bank, but this would have to be done with Shan Hong's help, otherwise he couldn't get it.

Shan Hong didn’t know what Zhang Qianxiu thought at this time. He thought that Zhang Qianxiu just wanted some interest-free loans. He did have indicators in his hand to give Zhang Qianxiu, so he smiled and said, “Boss Zhang, there are some problems with this, but the problem should be. It won’t be big, how much money do you need?"

"Single president, how much can you give me at most?" Zhang Qianxiu asked.

Shan Hong didn't play Tai Chi with Zhang Qianxiu either. He pondered it over and said, "There is no interest for a year, and there is no problem within 15,000."

Zhang Qianxiu shook his head: "Less, I want one million."

When Shan Hong heard this, he just picked up a piece of fish, shaking his hand, and the fish fell on the table.

Shan Hong put down his chopsticks with a complicated expression: "Boss Zhang, are you kidding me?"

Lin Qi was also shocked, and she didn't care to wink Zhang Qianxiu's eyes, looked at Zhang Qianxiu, and waited for him to answer.

Zhang Qianxiu did not answer directly, but said: "President Shan, for you, loans and deposits are more important indicators, right?"

Bank presidents are required to assess, including deposit targets, the upper lending indicators, the completion rate of loan interest collection, and the asset-liability ratio. These are all related to deposits and loans.

These assessments account for quite a large proportion. In addition, there are various assessments of various sizes, such as staff skill assessment, work record, and work summary, but these are all internal management and operations of the bank, and have nothing to do with deposits and loans. .

Shan Hong is not worried about the inside of the bank. His management ability is okay. What is now embarrassing is loans and deposits. He nodded and said: "It is true. The people don’t have money in their hands. In addition, many elderly people have money and don’t deposit in the bank. We absorb Depositing is very difficult."

“It’s very easy to send out a loan. A lot of people line up to want a loan, but they just want to get out a loan. If they can’t get it back, it’s a record of bad loans, which has a great impact on us.”

Zhang Qianxiu has done this work a long time ago, and he is very clear that the biggest problem Shan Hong is facing now is that he dare not lend casually for fear that he will not be able to get it back; it is particularly difficult to absorb deposits.

Zhang Qianxiu smiled and said: "Single president, I can guarantee that your average personal small deposit will increase by 500,000 every year, and your large deposit will increase by 5 million. Give me a little more loan quota. As long as you pass through my hands, How about the normal repayment rate of 100%?"

When Shan Hong heard these numbers and Zhang Qianxiu's idea of ​​wanting a loan, he probably understood what Zhang Qianxiu meant. Zhang Qianxiu wanted to get some wool from the bank!

However, this is also difficult. Some of the loans specified above are designated for small businesses, and the scale is too large to take these indicators, and some are designated for certain types of purposes, such as industry and agriculture. You cannot take loans. Agricultural indicators are given to factories.

More importantly, if all loans are given to Zhang Qianxiu, you can find out the problem with a random check.

But the deposit promised by Zhang Qianxiu really fascinated Shan Hong. Although he was a bank, it was almost impossible to increase his deposits so much in a year. After all, there are so many banks in a county, and the people in the county are also fixed. Everyone knows how many deposits there are in a year, and all the bank presidents are trying to grab the deposits of those big customers.

Shan Hong hesitated for a long time and said, "Boss Zhang, it’s not that I don’t want to cooperate with you. I will give you all the loans. It will be very troublesome to check it up. Then, the companies I will give loans to are all yours and anyone with a discerning eye can see come out."

Zhang Qianxiu chuckled and said: "I will find some people to set up companies or factories. Legal persons and shareholdings, I do not account for a large proportion, or do not account for them. Then you will lend the money to these companies. I can't find it out."

After hearing this, Shan Hong became even more worried. If Zhang Qianxiu wants to cheat him, he turns around and runs away with money. He has nothing to do with Zhang Qianxiu. The loan is not from Zhang Qianxiu, and all the procedures have nothing to do with Zhang Qianxiu. .

"Boss Zhang, this... I have to think about it," Shan Hong said.

Zhang Qianxiu saw Shan Hong's thoughts and said with a smile: "President Shan, are you worried that I will run away and leave you with a lot of mess?"

Even if Shan Hong thought so in his heart, he would not admit it: "Boss Zhang is joking, how could I not believe you. It's just that this matter is too complicated, I have to think about it carefully."

Even so, it is actually a matter of weighing the pros and cons.

Zhang Qianxiu said: "Single president, I just find someone to do it, I don't worry about it! The most important thing is that our cooperation must be gradual and cyclical."

Shan Hong smiled bitterly and said: "Boss Zhang, there is another problem. We don't let the loan go as we say it. There is a special review department at the door, and the review department does not let it go. It is useless if I agree."

Zhang Qianxiu naturally knows this and said: "Single bank leader, what kind of loan application can be reviewed, you must know better than me. For example, I need a loan of 100,000 yuan. Tell me, what kind of requirements are needed and what kind of If the qualifications are not up to standard, we will operate it a little bit to make it up to the standard. After reviewing the materials and submitting it, the chances of passing it will naturally increase."

"As long as it is the loan I applied for with you, I promise that there will be no problems. The deposit and loan business is done, and you can do a good job in the bank's internal operations. Isn't a promotion just around the corner?"

Shan Hong slowly picked up his chopsticks, stretched out his hand to take a bite of the dish, and chewed slowly in his mouth, carefully considering Zhang Qianxiu's suggestion.

If Zhang Qianxiu ran away halfway, he would not have to bear the responsibility of repayment. After all, it was approved by the review department, but his assessment would basically be over.

If Zhang Qianxiu didn't just run off the road, and they partnered in this way, it was almost equivalent to swindling loans, then he might still go squatting.

Lin Qi also looked at Shan Hong nervously.

Shan Hong looked solemn, unable to see what he was thinking.

Without disturbing Shan Hong's thinking, Zhang Qianxiu picked up a piece of pig blood ball and began to chew slowly, but his eyes were looking at Shan Hong's.

Shan Hong’s facial expression management is very good. You can only see that his expression is dignified, and you cannot see the specific changes in his heart. However, no matter how well a person’s facial expression is managed, his eyes can easily reveal information, as long as he can look at people’s eyes. , Much more accurate than looking at his face.

When Shan Hong swallowed the food in his mouth, a flash of divine light flashed in his eyes.

Zhang Qianxiu immediately confirmed that Shan Hong had already made a decision!

A smile appeared on Zhang Qianxiu's face.

At this time, Lin Qi said, "Brother, we should discuss this matter with Manager Fan. He is in charge of loans."

Because of Lin Qi’s words, Shan Hong hesitated for a while, ignored Lin Qi, and said to Zhang Qianxiu: "Boss Zhang, I personally trust you very much, and I want to cooperate with you very much. Although I am the president, but Our bank also has an account manager, who is mainly responsible for the loan business. In the future, we will have to let him help when we cooperate. I have to go back and discuss with him."

It is impossible for Zhang Qianxiu to say that he is not disappointed in his heart. Shan Hongming had just agreed.

But this disappointment is not great, because Shan Hong is right. Although the customer manager belongs to his subordinates, it is certainly impossible for the loan to completely bypass the customer manager.

Zhang Qianxiu did not continue to talk about this matter. He knew very well that if he continued to talk about it, Shan Hong would not agree: "In that case, the president of the single bank will go back and discuss it with someone. But for this matter, we will benefit from each other. One."

Zhang Qianxiu said and picked up the cup.

For dinner today, Shan Hong wanted to bring some more savings from Zhang Qianxiu's place. Now he doesn't say anything. He knows very well that if Zhang Qianxiu is not given a loan, Zhang Qianxiu will not be able to continue to deposit too much for himself: "Then this cup, I To boss Zhang."

Both parties are good at communication, not talking about business, and with Lin Qi, the "little clever", the atmosphere is very good.

Before leaving, Shan Hong was a little drunk, and Zhang Qianxiu's drink was very good, only four minutes drunk.

It was Lin Qi who surprised Zhang Qianxiu. She drank no less than Zhang Qianxiu, but she looked sober.

"Boss Zhang, I like you more and more!" Lin Qi smiled and winked at Zhang Qianxiu.

Zhang Qianxiu helped Shan Hong, who was already a little drunk, walking forward: "Miss Lin, no...I think I will call you a little fairy in the future. You are a clerk in a bank. It's really a shame and a shame."

Lin Qi covered her mouth and smiled: "What little goblin, it's too ugly! How many people want to enter the bank but still can't make it. I am number one every month, and I get a lot of salary. What is wrong, everyone is not. To make money?"

"If it's not for fear that you will get my soul away, I'll ask you to come and help me, and the salary requirements are up to you." Zhang Qianxiu said seriously.

Lin Qi smiled softly: "You make me feel like a dominatrix. People don't want your soul. Even if I want it, I want you."

"Unfortunately, I already belong to my heart. I have always believed that only when my body and mind are the same can I be worthy of my partner." Zhang Qianxiu said.

"Then I will steal your heart first." Lin Qi said, blinking: "You have to be careful."

Zhang Qianxiu smiled softly: "I'm afraid you will return without success."

The two talked to the downstairs. Shan Hong came by car. Zhang Qianxiu put Shan Hong in the vice seat and asked, "Can you drive?"

"Yes! You go, I'll send him back." Lin Qi said: "Be careful of the little fairy in your house and wait."

"Then I'm leaving!" Zhang Qianxiu took two steps, turned and said, "Don't drive after drinking."

Just as Lin Qi opened the door of the driver's seat, when she heard this, she turned her head to look at Zhang Qianxiu: "This is only the first day. You care about me so much? I don't think your heart can be kept any longer."

Zhang Qianxiu shrugged and waved at Lin Qi: "I'm leaving. Be careful yourself."

Lin Qi looked at Zhang Qianxiu's back for a while, smiled at the corner of her mouth, and murmured: "Small, if you are Dasheng Sun, you can still escape from my Wuzhi Mountain. You will be mine in the future."