Rebirth to 90s: Start from Scratch

It was about ten o'clock in the evening when I got home, and the lights on the second floor were still on.

Zhang Qianxiu walked upstairs, Su Yuwei was still reading, Zhang Qianxiu had already greeted Su Yuwei today, and will be back later.

"Drink a lot again?" Su Yuwei followed: "The kitchen made clear soup for you. Go and drink some."

Zhang Qianxiu felt warm in his heart: "Daughter-in-law, I will discuss something with you later."

"Yeah! I just happen to have something to tell you, you first have a soup, and then take a bath." Su Yuwei said: "Your pajamas are on the side of your bed."

Zhang Qianxiu smiled and said, "It's better to have you, and everything is ready for me."

Zhang Qianxiu went to get his pajamas, then went downstairs to drink soup and take a bath.

When Zhang Qianxiu came back, he was much more sober.

"What's the matter?" Su Yuwei asked.

"I'm the single president, right?" Zhang Qianxiu said.

Su Yuwei nodded: "The loan thing!"

"Today, a bank loan review director came and said that he would join." Zhang Qianxiu was silent for a while, and said: "My current situation is that I can't withdraw, and they definitely won't allow me to withdraw."

"I was originally with the single president and the others, just wanting to make a small mess and earn some pocket money."

Su Yuwei smiled softly: "Is that what you call pocket money? The interest for a year is tens of thousands, and everyone can divide tens of thousands of dollars. How many million households are there now in rural areas?"

Zhang Qianxiu smiled bitterly: "Okay! But now, the director joins and wants to play a little bit bigger, and then calls a person from the China Banking Regulatory Commission to come in."

"At that time, there will be our people for application, acceptance, review, and supervision. In theory, as long as the province doesn't come down for investigation, the people below can take care of it without any problems."

Su Yuwei asked: "Then how much do you plan to borrow?"

"50 million!" Zhang Qianxiu said: "The budget is so much for the time being, but I guess there may be some fluctuations."

"50 million?" Su Yuwei thought for a moment, and said, "It is estimated that there is no company or factory worth 50 million in our entire city. Can you borrow so much?"

"Moreover, even if the director is in charge of all loans in our city, he probably doesn't have such a big right?"

"I don't understand the banking structure, I just guessed."

Zhang Qianxiu thought for a while and said, "It should be, divided, divided into batches, and operated. It should be similar. After all, a city with such a big place has so many people who borrow money."

"Don't say anything else, interest-free loans, the entire city adds up to tens of millions a year."

Su Yuwei nodded: "Then what do you want to ask me?"

Zhang Qianxiu looked at Su Yuwei and asked, "You are not surprised at all."

"Why should you be surprised?" Su Yuwei asked back: "When you went to the state-owned factory, I was not surprised."

Zhang Qianxiu thinks about it, and continues: "I'm wondering now whether or not to take the fifty million into my own hands, and I will develop it by myself, and I will bear all the interest at that time."

Su Yuwei pondered and said: "At present, the five-year fixed deposit in the bank has an interest rate of over 11%, and the loan is almost the same, which seems to be a little lower."

Zhang Qianxiu nodded.

Now the bank's interest rate is often adjusted, and the range is still relatively large. In 1990, ordinary people had 11% of deposit interest. In 1991, it dropped to 9%, and in 1993, it rose to 12%.

Many loans over five years have lower interest rates than deposits, but ordinary people take loans for less than five years or more.

For those under five years, the loan interest is higher than the deposit interest.

Su Yuwei asked: "How much interest can you get?"

Zhang Qianxiu said: "They transfer the loan according to the one-year loan period, and the annual interest is 10%. They can still get some relationship. It should be 8%. They operate once a year and go through the review once. The money does not move."

"If they make a deposit, they can get 16% interest."

"In other words, there can be 8% interest in the middle."

"50 million, a net profit of 4 million a year."

Su Yuwei thought for a while: "That is to say, if you use it for your own use, you have to pay 16% interest. You only get 11% when you go to the bank. However, it is estimated that you will not have a single bank manager to help you. You can't borrow a dime, let alone 50 million."

"According to the input-output ratio of your Wanhui and Midian, even if you use it for your own development, you can still make money."

"The premise is that you take 50 million and can always maintain such a high rate of making money."

"Fifty million is different from fifty thousand."

Zhang Qianxiu really hasn't counted Wanhui's rate of making money: "Daughter-in-law, you can directly give me a suggestion, this 50 million, should I use it for my own development?"

Su Yuwei pondered for a while and said, "If you are not afraid of going to jail, there is no problem with it."

"However, you can try to find a scapegoat."

Zhang Qianxiu asked suspiciously: "What do you mean?"

Su Yuwei found a book called "Company Structure" from the table beside him, and handed it to Zhang Qianxiu: "I read these days. You can register two companies first, called Company A and Company B. You will have a share. Ninety-nine percent. Find another trustworthy one who owns 1% of the shares. Then use these two companies to invest in a company called C. The two will each occupy 50% of the shares. The legal person will find one person. Be trustworthy."

"Then transfer the shares of Wanhui, Dongtai, Yihua Printing Factory, and Midian to Company C."

"From a certain point of view, you have nothing to do with Dongtai, Wanhui, Yihua Printing, and Midian. Even if they have problems, you will be fine."

"Furthermore, these are all limited liability companies. If you step back ten thousand steps, even if you have to pay the responsibility, it is limited."

"When you get a loan, you must use mortgages, etc. Then you will definitely use these factories. You can find a scapegoat to be the'actual manager' or legal person of these companies. Even if something goes wrong then, Wanhui, You will not have any problems with the factories such as Dongtai and Yihua and the managers and legal persons you arrange."

"Because you do not directly hold any shares in Wanhui, Dongtai, and Yihua, you are not responsible."

"But in the process of operation, there must be some difficulties. You need to have all kinds of evidence to prove that the 50 million loan has nothing to do with you. As long as there is something related to the 50 million and the signature, you don’t Dip."

"However, these factories of yours are basically finished."

Zhang Qianxiu was a little dumbfounded. He probably knew something before, that is, such and such company, actually controlled such and such company, or indirectly controlled such and such company.

There are a lot of news like this, but Zhang Qianxiu really doesn't know how to do it.

At this time, Su Yuwei gave an answer instead.

However, Zhang Qianxiu was surprised to find that if he controls a company in this way, he can indeed save a lot of trouble. Even if something goes wrong, he shouldn't have any major problems.

Zhang Qianxiu pondered for a while and said, "Daughter-in-law, listening to what you say, this thing seems to be possible!"

Su Yuwei nodded: "You can do it, but you'd better do it less in the future. Also, if you do this kind of thing, it's best to have nothing to do with yourself."

"The method I just said has nothing to do with you in the eyes of ordinary people, but officials and knowledgeable people can find all kinds of clues and know that you did it."

An idea suddenly flashed in Zhang Qianxiu's mind: that was to create a virtual character, just like in "Shawshank's Redemption", the protagonist finally went to withdraw money, using a fabricated identity out of thin air.

In this era, if you need to register for your account and change your name, you only need to spend a little money. Unlike later, once your name is changed, it is difficult to change it.

If you just change a name and spend thirty or fifty dollars, the staff can change the name on your household registration book. It still has legal effect. It's very simple!

There will be some difficulties in doing an account, but it will not be very difficult.

If the person holding the shares is a virtual person who does not exist at all, and all the materials, certificates, and documents of this person are in his own hands, legally speaking, the person fabricated by this person exists and can have his own His bank account can open a company, can be a shareholder, and is protected by law, but this person does not exist in reality.

If it can be done, it will be seamless.

But legal persons cannot be used. Legal persons often have to sign or something, which is more troublesome to operate, and shareholders are much simpler.

Seeing Zhang Qianxiu didn't say a word, Su Yuwei asked, "What's wrong with you?"

Zhang Qianxiu smiled softly and said, "I thought of a good way."

Zhang Qianxiu said her thoughts again, Su Yuwei thought for a while, nodded and said, "Yes."

Zhang Qianxiu geared up for a while: "Then slowly grind with them, and then take the fifty million yuan to use. Even if you lose money at that time, you will lose these factories at most."

As long as there is nothing wrong with people, Zhang Qianxiu will not have the slightest pressure on his heart.

Su Yuwei reminded Zhang Qianxiu: "If you lose all these money, the single president and his group will all be unlucky, fifty million, enough for them to eat a lifetime, or twenty years of prison food."

"The legal person and actual manager of the factory will also be unlucky."

"All in all, if you have a problem, at least a dozen people are unlucky."

Zhang Qianxiu put away the excitement in his heart, and said, "That said, I still can't be too happy. There are so many things that hurt others and self, and I am afraid of retribution!"

Su Yuwei chuckled, "You have no sincerity, your business is over, it's my turn."

Su Yuwei's face gradually became solemn: "I heard Grandpa Ge said that my master's condition has a tendency to deteriorate a bit, and it also means to let go of coming to us."

"I want to find an opportunity to talk to the master, and try to get the master over this time."

Zhang Qianxiu nodded: "Yes, when? I'll take you there."

"Go tomorrow, I have time tomorrow." Su Yuwei said.

"Okay, no problem." Zhang Qianxiu has a lot of time now, basically there is not much to do, and basically can spare time anytime.

Moreover, Zhang Qianxiu was also very in favor of taking He Daoxun over.

To put it in a bad way, He Daoxun's current physical condition, if there is any accident, there is basically no chance of reaction, the result is almost predictable.