Rebirth to 90s: Start from Scratch

Director Zhang came, and he laughed when he entered the door and said, "Sorry, I'm late! Sorry! Sorry!"

Zhang Qianxiu and others stood up to greet them. At any rate, the director in charge of loan approval for the entire city has a lot of power.

Shan Hong said with a smile: "Director Zhang, it's not too late, the time is just right, you are a long way, coming from the city, it will take an hour or two, we will be there in two minutes."

Han Zhuozhu also said: "Yes! I won't go back tonight, our place has already arranged for you."

Zhang Qianxiu stood on the side, watching the three people politely, but his eyes were on Director Zhang.

Director Zhang is relatively burly in stature. His height is estimated to be about 1.8 meters, and he should have a hobby of fitness. He is still full of momentum, especially when he is in the officialdom, he has the posture of leadership.

He was in his early forties, with a face of Chinese character and a face of righteousness.

People shouldn't look good. People who are really righteous would never come to Zhang Qianxiu and others to do such things.

Zhang Qianxiu looked back at Lin Qi.

Lin Qi stood behind and didn't say a word. Zhang Qianxiu looked at her and she immediately noticed her. Her eyes were always looking at Zhang Qianxiu.

Lin Qi's expression was very strange, and she glanced at Zhang Qianxiu, and immediately withdrew her gaze.

Zhang Qianxiu realized some things in his heart. This world is full of different transactions, some of which can be seen, some can't be seen.

Zhang Qianxiu didn't have much opinion on this, he himself was not a good person, and he was not qualified to judge the behavior of others.

After Shan Hong and Director Zhang exchanged greetings, they gave Zhang Qianxiu an introduction: "Director Zhang, this is Zhang Qianxiu, Boss Zhang."

"Boss Zhang, Yunhui Zhang, Director Zhang."

Zhang Yunhui stretched out his hand and said with a smile: "Boss Zhang is young, so young and promising!"

Zhang Qianxiu also smiled: "Director Zhang praised me. I'm all a little joke. I can't compare you with a higher authority. After all, we still have the surnames of some ordinary bosses."

These are all on-the-spot words, and everyone carries them on the sedan chair. Anyway, if you say too much, you will not lose money and the other party will be happy.

It’s not easy to say, there are no people in this world who don’t like to listen to good things, but everyone likes to listen to good things differently. It depends on whether the person who is speaking can grasp the other’s heart.

Zhang Qianxiu is no exception. He also likes to listen to good things, but most people can't tell him.

After the courtesy, everyone took their seats, and Zhang Yunhui naturally took the seat.

Although it is a round table, it is still the rules of the Eight Immortals table, and the position facing the door is the largest.

The left and right positions were the second place respectively. Zhang Qianxiu sat on the left hand side, which was regarded as the second position. It stands to reason that Shan Honglai should sit in the third right hand position, but Zhang Yunhui greeted Lin Qi to sit, and finally Shan Hong took a seat. Under Zhang Qianxiu, Han Zhuoyue sat under Lin Qi.

In the beginning, no one talked about loans, they were just chatting.

Zhang Qianxiu followed casual chats, and at the same time paid attention to Zhang Yunhui's every move, as well as his speaking habits.

In order to manage the people below, Zhang Qianxiu has studied people and psychology for a period of time.

Zhang Yunhui seems to be arrogant, but he is not arrogant at all. He knows advancing and retreating very well.

When others compliment him, he is happy, but he will be humble and will respond with a few polite remarks.

Sometimes when looking at Shan Hong and Han Zhuoyue, there will be a trace of contempt, and it will flash when they are smiling and their eyes are slightly narrowed, and most people can't see it at all.

When others were speaking, Zhang Yunhui either looked at the other person and listened carefully; or lowered his head to eat food and nodded from time to time to show his agreement with the other person.

However, Zhang Qianxiu noticed that when he looked at the other party, his expression was serious and he was listening; when he lowered his head to eat food, that is, when he was not able to manage his expression, he was afraid that he would show flaws, and he had to lower his head to sort out his emotions, or facial expression.

However, when Zhang Yunhui looked at Lin Qi, there was light in his eyes. Although he was not low-level, he still seemed to be pleased when he spoke to Lin Qi.

People like Zhang Yunhui are thoughtful and do not easily reveal their thoughts.

Zhang Qianxiu doesn't know if he is a **** person, but Zhang Yunhui is indeed good for Lin Qi's mouth.

Three rounds of wine, five flavors of food.

Shan Hong opened the topic: "Director Zhang, Boss Zhang, you are here today mainly because of the issue of loaning together for our cooperation."

"In this matter, there is almost no risk in operation. As long as we don't mess around by ourselves, we basically pick up money."

Zhang Yunhui also put away his smile at this time, put down his chopsticks, and listened carefully.

Zhang Qianxiu also put down his chopsticks.

Han Zhuoyue took out Hongta Mountain and distributed one to everyone.

Shan Hong said: "Before, we had no one in the audit department, so I can't guarantee how much we can borrow."

"Now that Director Zhang has joined, there is no problem in the audit. The last problem is the random check above, but we all have experience in dealing with these, and the problem is not big.

Zhang Yunhui shook his head: "President Shan, don’t say that the problem is not big. If something happens, I, you, and Manager Han will all be finished, or maybe even go to jail. Boss Zhang is not in our system, and the result is not much better. Where to go."

Shan Hong was a little embarrassed: "Director Zhang, what you said is, but we already have so many people, and we don't have any reliable people in the banking supervision."

Zhang Yunhui glanced at everyone and said, "I have!"

"Several millions. It's too small. I have a relationship with the China Banking Regulatory Commission. When the time comes, Brother Zhang will apply for a loan, and the bank president and Manager Han will accept it. I will approve it. Even if the China Banking Regulatory Commission wants to investigate, we can avoid it. "

"In a year, a loan of 50 million yuan, even the lowest profit, is 4 million. We have six people, each of us is 660,000."

"Of course, we have to discuss this profit distribution."

Zhang Qianxiu frowned, and the risk was too great for a loan of 50 million yuan a year.

What is the concept of fifty million now?

At present, the monthly salary of ordinary workers in county towns is about 100 points. In cities like Shangjing, the average salary per capita is only more than 200 points.

By 2019, the average salary of non-private units in Beijing was 14 thousand; the average salary of private units was 7 thousand and six.

If calculated according to wages, even for private companies, it has been increased by 36 times.

Fifty million is equivalent to about 1.8 billion.

If compared with GDP, it is about 56 times higher, which is equivalent to 2.8 billion.

If the house price has risen by about fifty times, it is roughly equivalent to 2.5 billion.

This amount is still the country’s wool. If caught, there will be a dead end.

At this time, it happens to be the time when the country's management is the strictest. Basically, the judgment is heavy.

Most importantly, Zhang Qianxiu and Zhang Yunhui are unfamiliar.

Not to mention that there is a person to come in.

At that time, as long as there is a problem in one place, you will have to squat in prison for a lifetime.

Although when it comes to the application, acceptance, review, and supervision, there will be people of their own, and it is reasonable to say that there will be no problems, but Zhang Qianxiu does not trust people who do not know.

Moreover, even if it really made 50 million, the average annual profit would be 660,000, and even if Zhang Qianxiu strives for a little more, it would be 1 million at most.

In the 1990s, 10,000 yuan households were all uncles, and worth one million was definitely the uncle of the uncles, but Zhang Qianxiu really didn't like it very much.

To take such a big risk for one million a year.

Zhang Qianxiu didn't think much at all, and stood up: "Director Zhang, the single president, if you play too much, I won't participate."

Zhang Yunhui suddenly frowned: "Boss Zhang, what do you mean? Know what we are going to do, and now we don't play anymore, just play us like monkeys?"

Shan Hong is also a little unhappy. After all, he wants to do it. If he can divide 660,000 a year, he will not do it for two or three years. There is more than one million, which is put in the bank for interest. There are more than one hundred thousand a year, enough for him to have a good life.

Moreover, Shan Hong feels that if we work together, there will be basically no problems.

The money has always been in the bank, and it has not been used for venture capital. From the audit to the CBRC, it has its own people. What can go wrong?

Zhang Qianxiu also understands that if he leaves, they are really not good at doing it, and they must be afraid to report it themselves.

Zhang Qianxiu looked at Zhang Yunhui and said, "Director Zhang, say something that sounds bad. I am not familiar with you. The main purpose of my coming today is to learn more about you, Director Zhang."

"But when you come here, you want to bring in new people. I don't know you again."

"If anyone among you has a little problem, do we all have to follow suit?"

Zhang Yunhui looked at Zhang Qianxiu with a gloomy look. Although Shan Hong was a little unhappy that Zhang Qianxiu would withdraw, but when he saw Zhang Qianxiu and Zhang Yunhui they were about to fall out, and he quickly said something nice: "Director Zhang, President Zhang, you don’t understand. , We are not saying that we are going to take a loan today, are we still discussing it?"

Zhang Qianxiu's face remained unchanged.

The expression on Zhang Yunhui's face gradually eased, "haha" smiled, and said: "Brother Zhang, we are all surnamed Zhang, and we are all Zhang's family. It would be too polite to say that we are not familiar."

"Furthermore, even if you are unfamiliar, the president of the bank is right, we can gradually get acquainted."

"Where can I find this thing that can earn hundreds of thousands without doing anything in a year?"

Zhang Yunhui noticed that Zhang Qianxiu didn't hesitate in his eyes, he really wanted to quit.

But Zhang Qianxiu's family knows these things. If they want to make this money, they must pull Zhang Qianxiu into the water together. Otherwise, they can't do it, and they don't dare to do it.

Zhang Yunhui still wanted to make this money in his heart.

In this era, you don’t need to do anything for a year, just sign a few documents and you can get tens of millions of dollars. Who doesn’t want such a good thing?

More importantly, Zhang Yunhui is convinced that he can do it without any risk, as long as the people working together don't get out of the basket.

Zhang Qianxiu had another idea in his heart. He might still have to deal with the bank in the future. If he can have a good relationship with these people, it will be much easier for him to deal with the bank in the future.

Anyone doing business, especially big ones, can't not deal with banks.

Especially private companies.

Regardless of the age and region, look at those companies and groups. As long as they are bigger, there is almost no bank that has no dealings with them.

When you make money and then develop, the day lily will be cold.