Rebirth to 90s: Start from Scratch

When Zhang Qianxiu came back, Su Yuwei handed Zhang Qianxiu a box: "For you."

Zhang Qianxiu was moved when he saw the picture of the big brother on the box: "Daughter-in-law, I didn't spend a cent for you. You still buy me such expensive things?"

"I have money to spend myself, so you don't need to give it to me." Su Yuwei said indifferently.

Zhang Qianxiu smiled bitterly and said, "I feel like I'm about to eat soft food."

Su Yuwei said: "Then you can eat soft food thoroughly and leave the van at home. I will drive the van when I want to use it. You can drive the new car."

Zhang Qianxiu opened the big brother's box, and inside it was a praise for the new big brother: "Daughter-in-law, if I don't marry you in this life, that would be the biggest regret of my life. A good wife like you, where can I find it!" "

Now Su Yuwei has the basic immunity to Zhang Qianxiu’s lip service: "Don’t say something nice, I’ll tell you seriously, I don’t use a car often, even when I go to the master’s place to drive, even if there is a van. Enough, the one I drove when I was learning to drive."

"You are running outside. Although you are not a big boss, it is better to drive a Xiali than a tattered van."

Zhang Qianxiu put down his eldest brother and said, "I'm not the big boss yet? I sit still for a day and earn thousands of dollars. According to the current development momentum, the annual income is hundreds of thousands and nearly one million dollars. ."

"Don't brag." Su Yuwei smiled.

Zhang Qianxiu said seriously: "I'm not bragging, I can really make so much."

"In my opinion, no matter how much money is, there is no use. There is not much difference between one hundred thousand and one million." Su Yuwei said.

Su Yuwei's request for money is simple and not simple. She doesn't need the best, but when she wants to buy it, she can buy it.

Just like this car, Xiali is currently the cheapest car in the car, but Su Yuwei doesn't mind, even if it is a tattered van, as long as it can move.

But don't talk about Xiali in this era. Even new tractors cost more than 10,000. People who can afford it are all rich.

Ten thousand and one hundred thousand are different for Su Yuwei. She will not let herself live too well, and she also has the ability to keep herself from going down.

But in Su Yuwei’s view, the difference is really not too big. She has one hundred thousand which is basically enough. One million is nothing more than buying a car and buying better. In her opinion, the difference is not very big. Big.

Su Yuwei asks for material, but will not pursue material!

Zhang Qianxiu knew Su Yuwei well and asked with a smile; "Daughter-in-law, how much did you lose today?"

"Almost one hundred thousand, my money is gone." Su Yuwei said lightly.

Zhang Qianxiu sighed, "Sure enough, it's my daughter-in-law, who spent one hundred thousand, just like ten yuan."

Su Yuwei cast a look at Zhang Qianxiu: "How do I feel that you are mocking me?"

Zhang Qianxiu quickly smiled and waved his hand: "There is absolutely no meaning, you spend all your own money, and you bought me things, how can I ridicule you."

"I put the money in your room, and there is a passbook. The name of the passbook is yours."

Zhang Qianxiu knew Shan Hong and handled the passbook, so even if Su Yuwei didn't go, he would take care of it.

Su Yuwei gave an "um" and said: "I saw it, I don't have enough money. I took three thousand yuan."

Zhang Qianxiu wanted to ponder over and said, "Daughter-in-law, you have agreed to be with me now, right? Even if we are not engaged now, we should be considered boy and girl friends?"

Su Yuwei looked at Zhang Qianxiu, and said after a while, "It depends on your performance."

"Does it depend on performance?" Zhang Qianxiu said depressed: "We are all sleeping under one roof. Your parents also know me. Master and He Lao treat us as a couple."

"Yeah! So what?" Su Yuwei asked with a smile.

"Then don't you think we can just sleep in the same room?" Zhang Qianxiu said with a wicked smile.

Su Yuwei's face suddenly became red and red: "I just watched your performance, now I am not happy."

Zhang Qianxiu opened her mouth and wanted to say, Su Yuwei picked up the book plug Zhang Qianxiu read yesterday and gave Zhang Qianxiu: "Read the book!"

"not me…"

"Reading!" Su Yuwei glared at Zhang Qianxiu with Qiushui eyes, implying "killing intent".

Zhang Qian pretended to be pretended, sighed, put down the book, and turned out a copy of the "Company Law": "Let me read the book!"

While reading a book, Zhang Qianxiu suddenly thought of something.

That is a mortgage.

Since things can be mortgaged and things have to be sold, the money can naturally be mortgaged.

In the last life, the most slippery thing in this set was to "support a certain treasure". First lend the money to everyone, and he will have a bunch of loan agreements, that is, "IOUs."

If they have an IOU of 10,000 yuan, they will use it to raise funds, and they can raise up to 9,000 or even 9,000 back. The money from the financing will continue to be borrowed to earn interest, repeating the past.

Low-interest financing, high-interest lending, 100 yuan he can make you one thousand or even two thousand loans.

The bank should be fine too.

At 50 million, the interest rate on loans is as low as 8%, deposits are 16%, and there is an 8% interest difference between them.

If Zhang Qianxiu gets the 50 million and then takes the mortgage, if the 50 million mortgage is done by himself, even if it can't achieve the large interest difference of Shan Hong and the insiders, even if it is only 2% of the interest difference. , The annual interest is an astronomical figure, and it is very reliable.

Taking a step back, if you don't play with them, you seem to be able to play.

There is not much time to play in this way. By 1998 at the latest, the state's requirements for lending will be tightened.

Now the country needs to develop. Encourage ordinary people who are unwilling to engage in development and those who are highly entrepreneurial to give money to the country, and encourage bold people and enterprises to take loans for development. Only then will it appear that long-term loans have lower interest rates than deposit interest rates. A little bit of the situation.

Zhang Qianxiu deliberately checked these days. In April this year, it was announced that the five-year fixed deposit interest rate was 13.68%. Now it has become 11.52%. This is a difference of 2%. By the 21st century, there will be no survival period. The interest rate of 2% fell within a few months, just like a joke.

But what is even more confusing is that the five-year fixed deposit interest rate is 11.52%, and the five-year loan interest rate is only 11.16%. The loan is 0.36% lower than the deposit. This is obvious.

At this time, the country almost tells you clearly, come to borrow money and engage in development!

In fact, this gap is even greater, which is why Shan Hong and the others can make an 8% interest difference.

At this time, courageous people and business owners are desperately borrowing money from the bank.

Poor people look at the high interest rates in banks and are desperately saving money, and banks are also trying their best to let people save money.

In the end, the money of the poor went into the hands of the rich and the courageous, and they went to do business with them.

In fact, in the 21st century, such tricks still exist, but they are not so obvious anymore.

Let’s take a look at those companies. They are obviously not short of money and are still desperately applying for loans from banks. Their money is not used to develop enterprises at all. In the years when the real estate has developed well, they turn around and buy houses, many of which are listed on the market. If the company's performance is not enough, it will dump hundreds of properties and pull up its own revenue.

To be more stable, I took a loan from this bank, and then I bought money from this bank. Some companies are clearly in the cosmetics industry, and the company is also profitable, but the company’s books have more than one billion bank loans and more than one billion dollars. Financial product.

Although in the 21st century, the interest margin may be only about one percent, one hundred million can be about one million a year.

Unfortunately, ordinary people can't reach it.

Just like what Zhang Qianxiu and Shan Hong are doing now, ordinary people can't touch them either.

………

The next day, Zhang Qianxiu drove Su Yuwei to school in Xiali, and then went to Wanhui by himself.

Although working with Shan Hong and the others might not be able to go on, Zhang Qianxiu felt that he could give it a try. The operation was not that difficult.

Zhang Qianxiu still intends to continue "stripping" himself out of the factory.

As for Wan Hui's choice of Chen Fei or Zhou Jun to "endorse", Zhang Qianxiu intends to talk to them before making a decision.

When he arrived at the Wanhui Factory, Zhang Qianxiu saw someone he didn't expect, Lin Qi.

Lin Qi sits at the gate of the factory. She is such a big beauty, but she has attracted the attention of many factory workers. Not to mention men, even women can't help but look twice and envy her.

Zhang Qianxiu parked the car next to Lin Qi and lowered the window: "Beauty Lin, what do you mean by that? Did you come here?"

Lin Qi glanced at the new car Zhang Qianxiu drove: "Have you changed your car? It was the same broken van last night. It's fast enough!"

"But your car is a bit sloppy."

Red Xiali TJ7100, absolutely classic.

Zhang Qianxiu smiled and said, "My wife bought it. She doesn't have time to open it, so I will open it."

Lin Qi curled her lips and said, "You are your daughter-in-law when you shut your mouth. I know you have a daughter-in-law."

Zhang Qianxiu asked: "Are you looking for something to do with me?"

"I can't come to you if I have nothing to do?" Lin Qi said, leaning over the car window: "Do you think I am beautiful or your wife is beautiful?"

"My wife." Zhang Qianxiu didn't even think about it.

Lin Qi asked herself to be boring: "You are really boring."

"I also think that if it's okay, I'll go in." Zhang Qianxiu said.

Lin Qi kicked Zhang Qianxiu's car angrily: "It's really kind to feed the dog."

Lin Qi stopped circumstance and said directly: "My brother and the others will still find you, and they will propose other ways of keeping funds. As long as you insist on disagreeing, they will agree to give you the money, but as a condition, they will let you I come to your factory to work in charge of finances."

"In other words, let me supervise those fifty million."

Zhang Qianxiu chuckled, "President Shan and Director Zhang trust you very much."

Speaking of Zhang Yunhui, Lin Qi's face was a bit ugly, and she suddenly felt boring: "I won't tell you, I'm leaving."

Zhang Qianxiu nodded: "Go slowly!"

After Zhang Qianxiu finished speaking, he drove into the factory.

Lin Qi stood there, looking angrily at the rear of the red Xiali, sulking all her life.

I was angry for a while, thinking of myself, and suddenly felt a little sad, turned around and walked towards the bus stop, which is still some distance away from the bus stop.

Zhang Qianxiu parked the car, and instead of getting out of the car, he lit a cigarette.

He also didn't expect that Lin Qi would come to "briefly" to herself.

Although Lin Qi often said ambiguous things to herself, the actual relationship between the two people was not much, not even a friend. Zhang Qianxiu did not believe that he had any personality charm that would make Lin Qi fall in love with herself, just like in a romantic drama. , Not afraid of life and death, not for fame and fortune, just want to be good for yourself.

Zhang Qianxiu had even doubted in his heart, Lin Qi came to tell herself whether this had any purpose.

But after much deliberation, it seems to tell myself that there is no benefit.

In order to gain your own trust?

That's no uselessness. I'm now embarking on transferring shares to control the company in another way.

As long as you clear the relationship between yourself and the factory before making a loan.

But if you want to "disconnect" the relationship with the factory, there is one more point to explain, and that is the official. When the contract was signed, it was agreed that it cannot be transferred within a few years.

This is changed to another way of control, and I don’t know if it is a transfer.

There is also the issue of loans. Zhang Qianxiu wondered whether to continue cooperating with Shan Hong and the others.

To be honest, none of this group of people is simple, and even the seemingly innocent Han Zhuo has his own careful thoughts, which should not be underestimated.

Zhang Qianxiu thought for a long time, and felt that if it was possible to loan 50 million, he still had to cooperate with Shan Hong and the others. If he took the loan by himself, his own factories would already be Amitabha if he could loan back 5 million.

If he had 50 million, Zhang Qianxiu would have the confidence to let himself live the maximum profit.

It may be more profitable than doing business.

After getting off the bus, Zhang Qianxiu went to the office. Chen Fei was already busy. These days, she is getting more and more proficient, and she has more and more management experience, and she has the posture of a little leader.

Zhang Qianxiu beckoned to Chen Fei: "Come to my office."

Chen Fei immediately put down her work and followed up.

Zhang Qianxiu poured a glass of boiling water by himself. It was cold.

Chen Fei entered the door and closed it easily: "Boss!"

Zhang Qianxiu asked, "Have you started working now?"

"It's okay." Chen Fei is no longer as afraid of things as before, and she is a little more capable in speaking and doing things.

Zhang Qianxiu took a look at Chen Fei and said, "If you leave this factory to you, can you manage it?"

Chen Fei was taken aback, and said quickly: "Boss, I...you...you don't make a joke, I can't."

Zhang Qianxiu smiled softly and said, "If you don't try, how can you know that it won't work?"

Seeing that Zhang Qianxiu was serious, Chen Fei became more and more nervous, and even wondered if Zhang Qianxiu was acting maliciously towards herself.

Thinking of this, Chen Fei couldn't help but a flutter on her face.

Zhang Qianxiu didn't know the thoughts in Chen Fei's mind, and continued: "I think you are doing well these days. I may not come to the factory often in the future to find someone who can take care of things."

"I'm currently thinking about you and Zhou Jun."

Chen Fei realized that she had misunderstood when she heard this, and the shame in her heart suddenly became unspeakable, and she wanted to find a gap to get in.