Rebirth to 90s: Start from Scratch

Zhang Qianxiu didn't insist either. He drove to Wanhui first, and then to Dongtai. These two factories took most of Zhang Qianxiu's energy into it.

In the afternoon, I went to Sun Daxi to get the information, and also went to Hu Jinsong's place. The information on his store was also complete and could be used for a loan.

I made an appointment with Shan Hong to meet at Haolaixuan at 8 o'clock in the evening.

Zhang Qianxiu still went there after eating, this time only Shan Hong came.

When Shan Hong saw Zhang Qianxiu, he was as affectionate as he saw his father: "Boss Zhang, how is the information preparation?"

Zhang Qianxiu handed all the information to Shan Hong: "President Shan, take a look, how much can this be loaned out?"

Shan Hong took it with a smile, took a closer look at the information, and sighed and said, "Boss Zhang, you are really not easy! There is no problem with these information. It is estimated that there will be about 200,000 yuan for the next payment."

This is similar to what Zhang Qianxiu estimated: "Then, for the rest, I have asked someone to get an ID card. Then their signatures and handprints will be brought together, all on empty A4 paper. All the information can be added separately, and it becomes a loan contract."

Shan Hong collected the information and said, "Okay, it would be better if it could be a little more. Generally, if the loan amount is small, the above will not be checked."

"When the time comes to check these shops, they are all related to Boss Zhang. These are trivial matters and can be resolved."

Zhang Qianxiu smiled lightly and said, "Single President, there is one thing I want to discuss with you."

Shan Hong is now in a good mood and nodded again and again: "Boss Zhang, you say."

"It's like this. Sometimes I use money to do business, and the single president should know it." Zhang Qianxiu followed: "I account for 60%, but if I want to use money, I might take it directly. You can take away 60% of the money at most, and you don’t need to share the interest on the remaining money. As for the money I take, I will naturally return it, and I will bear the interest.”

In this way, it seems fair, but Shan Hong hesitated.

Because there were three of them, they promised only 40%, Zhang Qianxiu took a lot of risk is a problem.

There is another reason. If these loans are repaid in a hurry, it is good for their bank. Every year's evaluation, their bad debt rate will be very low.

If the bad debt rate is low, the score will naturally be high, which is good for them to get promoted.

If Zhang Qianxiu really uses the money to invest, even if Zhang Qianxiu intends to pay it back, it will be okay to make a profit by investing. If he loses money, or there is a problem with the funds, the repayment date may be delayed.

In this way, for Shan Hong and the others, it would have lost an invisible benefit.

The smile on Shan Hong's face gradually closed, and he said, "Boss Zhang, I believe you are a person, but I am not alone in this matter. There is also Manager Zhong, right?"

Zhang Qianxiu knew that there were other people, but the problem was not very big. As long as Shan Hong agreed, the other two people would not have so much influence, and they had already boarded the ship, and they would not give up easily.

Zhang Qianxiu nodded and said, "I know this, and I have said that, these debts will be borne by me alone at that time."

Shan Hong didn’t mean anything, and said directly: “Boss Zhang, don’t laugh, you should know that the reason we did this at the beginning was not simply for money. We also have our own ideas and plans. If we want to remove all the money, it will increase a potential risk for us."

"It's not good to say that if we knew that you were going to take away the money, even if we gave 60% to the three of us, we might not agree."

Shan Hong's remarks weren't just casually speaking, but the truth.

Zhang Qianxiu also believes that Shan Hong still counts on these loans to bring him good performance.

"Single president, then you can say a condition!" Zhang Qianxiu said: "I will definitely use money then, my own money may not be enough."

"Furthermore, if my factory is started, all my payment can go to your company when that happens. In this way, for your bank, there will be an extra deposit, and you will have deposits every month. Business."

Before Zhang Qianxiu used this thing to negotiate terms with Shan Hong, and also promised him how much deposit.

However, the two parties did not specifically say this matter, and it is even more impossible to sign a contract.

Therefore, even if Zhang Qianxiu was shameful, Shan Hong couldn't say anything.

Shan Hong was silent for a while, and said, "Boss Zhang, you can use up to 40%."

"We don't take advantage of you either. There are non-interest-bearing and low-interest ones. We will give you proportionally."

"You use the money. If you pay it back on time, we will give you the other 20% of the profit. If you don't pay it back on time, the 20% of the profit will be ours. How will the three of us divide it? thing."

"Of course, let's put the ugly words on the front. If you borrowed money, the funds went wrong, and the funds were not available for a short time, which caused the above suspicion. The three of us must protect ourselves. It is likely that you will be excluded , I hope Boss Zhang can understand!"

"When we are self-insured, we will definitely not disclose any cooperation between us. Your loan will only be an ordinary loan. You only need to treat it as an ordinary loan."

In fact, in Zhang Qianxiu's opinion, these words of Shan Hong are not unpleasant, he said very truthfully.

Moreover, Shan Hong is now willing to spread everything out, which on the contrary shows that Shan Hong is a trusted partner.

As for whether Shan Hong said these things in order to retreat, it is not easy to say.

Zhang Qianxiu nodded and said, "Yes, I can understand what the president Shan said."

"When you worked with you before, you actually took a fancy to the benefits of repayment on time. I will take these funds away. For you, it does increase a certain amount of risk."

Shan Hong saw that Zhang Qianxiu was so informed and reasonable, and he was not angry at all, he was relieved, and his face was filled with smiles again: "Boss Zhang, I hope you can understand our difficulties. What I said just now was a bit overwhelming. ."

Zhang Qianxiu smiled and said, "No, it's really true. These words are open in the first place, so that everyone can shirk each other after an accident."

"By the way, President Shan, what about the patent mortgage if you take a loan?"

Shan Hong was taken aback, and said: "Patents can be used as collateral, but they must be put into use. That is to say, only patents that can generate profits can be used."

"As for the valuation of this patent, you have to find an agency to appraise it. Our bank will not appraise it."

"You come back with the appraised valuation. If the appraised third party is approved by the bank, the bank will make a payment."

Zhang Qianxiu also read the loan information before, but didn't notice that he was looking for a third-party appraisal agency.

"President Shan, what are the third-party appraisal agencies?" Zhang Qianxiu asked.

Shan Hong smiled bitterly: "I really don't know this. In our small place, no one has a patent to mortgage it."

"It's not good to say that there are not many patent-collateralized loans in the whole country. Now in our country, there are not many patents that can be used!"

Shan Hong's words actually revealed a kind of helplessness, and this kind of helplessness is actually helpless to the current state of the country.

Zhang Qianxiu just thought that at this time, it was too early, there were basically no patents, and patents, in the eyes of most people, are very tall things, even bank presidents like Shan Hong think so. .

Like later generations, just spend money to register some patents to play, but I still can’t see it now.

After chatting with Shan Hong for a while, Zhang Qianxiu got an affirmative answer, that is, there is no problem with the patent mortgage.

Now there is a new question, which is to find a third party to appraise. As for which third party's appraisal results the bank recognizes, even Shan Hong doesn't know, so he has to go back and check the information.

After dinner, things were similar, Zhang Qianxiu and Shan Hong went home separately.

When Zhang Qianxiu arrived home, it was already past nine o'clock in the evening.

As soon as I walked in, I saw that there was a lot of wood piled up in the room on the first floor, and the carpenter Ge Qingshan introduced had already started work.

The sawdust and wood dregs in the room were taken away. Ge Qingshan said that it could be used as incense, but the proportions must be adjusted and the ingredients should be put in, which has the effect of refreshing.

Zhang Qianxiu doesn't understand this, but when making furniture, there will definitely be a lot of wood chips, and using it to make incense is considered "waste utilization".

Su Yuwei was already reading on the balcony on the second floor at this time. When Zhang Qianxiu went upstairs, Su Yuwei glanced back and said, "I didn't drink much, right?"

"Drank a little, not much." Zhang Qianxiu responded casually.

Su Yuwei said: "Today I received a call from the director of the Hengchang Rice Factory Qi in the city, asking when you will place the order."

"I said you are busy with the two factories these days, and you have forgotten too much. When you have handled the factory's affairs, you will place an order."

Zhang Qianxiu nodded: "Well, I see, I'll take a shower first."

Zhang Qianxiu really forgot about Qi Youcheng's affairs. If he didn't call, he didn't know when he would remember.

After taking a shower, Zhang Qianxiu went back to the balcony and chatted with Su Yuwei. The two read books individually.

The next day, Zhang Qianxiu went to Wanhui and Dongtai first, and handled the factory's affairs almost the same. It was still early, and he hurried to Funeral Street, where there were many fortune tellers.

Zhang Qianxiu has never believed in evil. He didn't even know his birth date. He randomly found a fortune teller who looked good and asked, "Sir."

The fortune teller is an old man in his seventies, dressed in a traditional long coat, is closing his eyes and resting, hearing the sound, opening his eyes, showing a charitable smile: "Young man, is it fortune-telling?"

Zhang Qianxiu said, "No, I want to see a day. I want to build a warehouse and see which day is better to start construction."

The fortune teller nodded: "To start the ground, you have to go to see the place. There is a lot of knowledge about the terrain and the birth date."

Zhang Qianxiu asked: "Then how is this fee calculated?"

The fortune-teller smiled softly and said, "Just do whatever you want."

Zhang Qianxiu doesn't matter, anyway, just give a few dozen dollars.

A few dozen yuan is not a lot for Zhang Qianxiu, but for the average person, it is already a lot.

"Okay, then please trouble the old man to come with me."

The fortune-teller is also very neat and tidy, anyway, his booth is also very simple, a small table, a small stool and a piece of cloth with words written on it.

The fortune teller stored the things in the shop at the back, and then went to see the place with Zhang Qianxiu.