Rebirth to 90s: Start from Scratch

Sun Daxi was stunned and asked: "All the stores? We have twelve stores now. There are one in the surrounding towns and villages, and there are four in the county seat."

"Brother Zhang, do you want so many stores? I have learned about that interest-free loan. It doesn't seem to be a good loan!"

"It's not a business person, it's terrible to be able to borrow a few hundred yuan."

Zhang Qianxiu smiled softly and said, "I know people in the bank, so as long as there is a store, I can find a way to get some loans."

Zhang Qianxiu didn't conceal it, but he didn't say it directly.

Concealment cannot be concealed. At that time, many procedures will require the ID card to be signed.

Sun Daxi will definitely know by then.

It's better to speak upright now, and you don't need Sun Daxi to guess.

Sun Daxi's ability to make it to this point shows that he is not a dumb person. Hearing it, he understands that Zhang Qianxiu has a good way in the bank.

Thinking of this, Sun Daxi was ready to move: "Boss Zhang, these are no problems. I want to ask you a question. Can I get a loan?"

Zhang Qianxiu glanced at Sun Daxi: "What are you doing with the loan?"

Sun Daxi smiled and said, "I don't do anything with a loan! It's just this interest-free loan, don't let it go for nothing. After I take it, I can make some money by depositing it in the bank for a year!"

Although Sun Daxi is a messenger on the Tao, he still has some interest in making money, and he also has some talents in this area.

Otherwise, he would not cooperate with Zhang Qianxiu in the lottery.

However, the biggest reason Sun Daxi can make money is that he is not afraid and he is bold.

When he first started working with Zhang Qianxiu, he didn't know anything. He just heard Zhang Qianxiu say that this business can make a lot of money, so he directly agreed.

Sun Daxi, to put it bluntly, just likes money a little bit.

Of course, Sun Daxi is also very generous. If he is not generous, it would be impossible for so many people to do it with him.

Zhang Qianxiu gently shook his head: "It is estimated that it is not good to borrow. If you want to borrow several hundred or thousands of dollars, the problem is not big, but if you want a lot, it is impossible!"

"Hundreds and thousands of dollars, you can't look down on them, don't you?"

Sun Daxi looked at Zhang Qianxiu for a while, as if thinking about something, finally smiled and said, "Brother Zhang, have you found some way to make money?"

Zhang Qianxiu was silent for a while, and said, "There are some ways, but I have already told others. Brother Sun, you want to come in with a kick now, it's not very convenient."

It is absolutely impossible for Zhang Qianxiu to take Sun Daxi with regard to bank loans.

Who is Sun Daxi? He is a gangster on the road, sometimes when he sees money, he doesn't care about anything.

Such a person, if he sees that the bank loan comes out with so much money, and if he does not intend to pay it back, if he finds it out, everyone will be killed together.

Such a thing is not impossible.

After all, if there is too much money to be paid back, the bank must come down to investigate.

Zhang Qianxiu still wants to rely on this method to move money. When he runs his own business, he can use the money to cope with it when he is short of money.

Shan Hong and the others are also thinking about using these loans to do a good job of performance, so that they can be a step forward in the banking system.

But Sun Daxi was different, he just went for the money.

When Sun Daxi saw Zhang Qianxiu's refusal, he was still somewhat unhappy. Although he hadn't said it thoroughly, the meaning had already arrived. If he continued to say it, both of them might not look good on their face.

Sun Daxi laughed and said, "I have missed a good opportunity!"

Zhang Qianxiu naturally understood that although Sun Daxi was smiling, he must be unhappy in his heart, but Zhang Qianxiu didn't care about these: "Brother Sun, there are still many opportunities to make money in the future, and we are not in a hurry. Click, isn't it?"

Sun Daxi nodded: "Yes, brother Zhang, if there are other ways to make money in the future, don't forget me!"

Zhang Qianxiu said with a smile: "That's natural. If there is any way out in the future, I will definitely not forget Brother Sun at that time."

When the two of them made a few polite words, Sun Daxi couldn't help but ask: "Brother Zhang, I don't get involved with you, but can I ask, how do you make money?"

Zhang Qianxiu thought for a while and said, "Brother Sun, it's not that I can't tell you about this matter, but even if you know this matter, if you want to do it, you can also find another bank to do it, but you have to follow what I said. Yes, if something happens, the consequences may be very troublesome."

When Sun Daxi saw Zhang Qianxiu was willing to say, he nodded quickly: "This is natural."

"If I make money, I will definitely not forget Brother Zhang's instructions today."

Zhang Qianxiu said: "Actually, this is very simple. Don't banks have interest-free loans? Every bank has a certain amount. This is the state's support for self-employed individuals and people who want to start businesses."

"It's not difficult to apply for the money. It's just that there are not many that can be applied for. An ID card can cost 20,000 yuan at most, and some even only a few hundred yuan."

"But if we can get hundreds or even more ID cards, and work with the people in the bank, we can loan all the money out."

"Then, just deposit this money in the bank, and we can earn tens of thousands of dollars in interest a year. This is the interest we earn."

"As for the principal, I still have to pay it back at that time."

Sun Daxi asked tentatively, "What if I don't return it?"

This is what Zhang Qianxiu is afraid of: "Brother Sun, if this is not returned, it is a bad bank account, and the people above will definitely come down to investigate it."

Sun Daxi said: "We used other people's ID cards to make loans, even if we look for them, we can't find us!"

Zhang Qianxiu explained: "If this is not found, it's okay. If it is found, then you will go to jail."

"If you take the interest, it will be there every year, and there will be a long flow. If you look at the principal, you will only earn once, and there will be no chance in the future."

"You take the principal once, is it enough for you to eat for a lifetime?"

Sun Daxi suddenly felt reasonable: "Brother Zhang can see it thoroughly."

Sun Daxi is very happy now, but he is happy because he has found a new way to make money.

There are so many banks in a county, even if Zhang Qianxiu finds one of them, he can still find other cooperation!

As for the ID card, these are trivial things, at least in Sun Daxi's opinion, just let the people below me go to the villages below to collect them. Isn't that a trivial matter for an ID card for a dozen yuan?

Zhang Qianxiu didn’t talk to Sun Daxi about the mortgage. He was really afraid that Sun Daxi would follow suit and did it. If it was done by Sun Daxi, the amount would be too large, and Sun Daxi might not pay it back. money.

Zhang Qianxiu told Sun Daxi about interest-free loans. There is also a reason. That is to use Sun Daxi as a shield. He must be more considerate than Sun Daxi. When something happens, he will happen first.

If something happens to Sun Daxi, Zhang Qianxiu still has time to make up.

When Sun Daxi got the news, Zhang Qianxiu wanted to use the lottery shop loan. He naturally had nothing to say, so he agreed to all, and promised to bring all the documents to Zhang Qianxiu tomorrow.

Things said it was good, the two of them had a few drinks, Su Yuwei just sat quietly on the side, and did not speak.

When the scene was over and on the way home, Su Yuwei said: "You want to use Sun Daxi as a protection, and be careful when he turns into a bomb, and you will be pulled in together."

Zhang Qianxiu said: "As long as he can't get the loan, the problem won't be big. There is no interest-free loan and there is no money."

Su Yuwei said anxiously: "Sun Daxi is a character anyway, he won't be a fool if he can get to this point."

"But no one can say about people's greed. If he does not repay the loan and is found out again, there may be problems on your side."

Zhang Qianxiu shook his head: "No! He can't be in the same bank as me, he can only find other banks to cooperate."

"Although they are all banks, they are not a management team at all. Even if there is something wrong with them, as long as there is no problem on our side, the problem will not be very big."

"What I am most afraid of is what goes wrong in other places. The entire banking system will start to check, not the bank's internal check, but the national check."

"In this case, no matter how good or bad the bank's account is, it will be investigated."

"In this case, with Sun Daxi and them, we can have more time."

Su Yuwei didn't understand: "Why?"

Zhang Qianxiu explained: “The relationship between banks is layer by layer. In fact, banks especially don’t want to lend interest-free loans, but interest-free loans are a task given by the state. They have to lend enough. Because they are eligible to apply for interest-free loans. People who are not strong enough in financial strength, such people, as long as there is a problem, they can’t get the money."

"The money will become a bad bank account."

"So, the bank would rather some capable people borrow these interest-free loans and repay them on time."

"If we do it for a period of time, as long as we repay the loan on time, the people in the bank know that they may not do anything to us, but hope that we continue to do it, they will not have bad debts."

"The real trouble for us is mortgage loans. Banks definitely don't want someone to squeeze their wool. If they know it internally, they will definitely check it."

"Mortgage loan banks want to make money. If we take out this money and get high interest rates from them, wouldn't we **** their blood?"

Su Yuwei immediately understood: "You mean, there are people all over the country who operate like this?"

"In fact, there was such a thing before. In the 1980s, many people went to collect ID cards, which were used to make interest-free loans." Zhang Qianxiu said, "If you think about it, you should still be able to think of it. ."

Su Yuwei thought about it for a while, and said, "It seems to be true."

At that time, Su Yuwei was still young and didn't know much about these things, and didn't care very much.

Zhang Qianxiu said: "A few years of interest-free loans have only been released. It is because they have released too much and many people have not repaid them, so the country has reduced the amount of interest-free loans."

In the 1980s, at that time, almost anyone with an ID card could apply for a loan at the bank. At that time, many people went to the countryside to collect ID cards and took them back to the bank to borrow money.

In the 1980s, it was not particularly difficult to apply for such a loan as long as there was some relationship.

Su Yuwei said: "Then what do you plan to do next?"

"Find a way, collect some patent information, prepare some patents, arrange a person to go to Beijing to try, and see if I can apply for more patents and come back." Zhang Qianxiu said with some annoyance: "The biggest question now is, who should I look for? Just go."

The person in Zhang Qianxiu's current hands simply doesn't have such a suitable candidate.

If you go by yourself, you will definitely need more time.

The people who arranged to go to Beijing this time had to apply for a brand in addition to patents. All these things were done at one time. In a few months, or even half a year, they couldn't do it.

If Zhang Qianxiu went by himself, there would not be so much time, and no one would take care of things here.

Compared with patents and brands, the business here is obviously more important.

It is impossible for Zhang Qianxiu to abandon these businesses and ran to Beijing on his own.

If it is, the business here does not need Zhang Qianxiu to manage, these people can maintain good operations, then Zhang Qianxiu will not be short of people, and there will be no candidates to go to Beijing.

Su Yuwei said: "It's still early. If there is really no one to choose then, I think there are two people, you can try."

"Which two people?" Zhang Qianxiu asked.

Su Yuwei said: "Yao Bin and Uncle Jiang."

Zhang Qianxiu was taken aback and thought carefully, if Jiang Bolin was willing to help him, let him go, it would be the best.

As for Yao Bin, his ability to do things is still okay, and going to Beijing to apply for brand and patents is a problem of going through procedures. There may be some dinners or gifts in the middle, but these problems are not very big.

In terms of meals and gifts, Yao Bin may have done a better job than Jiang Bolin.

After all, a person like Jiang Bolin has a strong personality and is unwilling to do those flattering things. If he is willing to do it, he will not be the director of a state-owned factory.

Having said that, Jiang Binglin hasn't written his horoscope yet, but Yao Bin can indeed consider it.