Rebirth to 90s: Start from Scratch

Kong Zhengye was silent for a while and said, "Boss Zhang, I take the liberty to ask, where is the higher salary?"

Zhang Qianxiu was stunned when he heard this, and then reacted.

There are patients in Kong Zhengye's family, and it is estimated that the situation is quite serious. Even if Ge Qingshan is willing to treat them, there will still be costs.

To put it in a bad way, in case when the patient leaves, you have to ask for a burial fee, right?

Therefore, this person, no matter how noble you are, no matter how spineless you are, and no money, you still have to be stumped by reality.

It's like He Daoxun is also a literati. There are also some literati like dung, but there is no money. If Zhang Qianxiu and Su Yuwei are not taking care of him in his later years, it will definitely not be better.

And Su Yuwei, although she doesn't care much about money.

But this is because she can make money. She doesn't particularly pursue these. He doesn't need one million or ten million, but if she wants to feed her well, the cost is not small. Last time, she easily spent one hundred thousand. , This is an astronomical figure for ordinary people.

The only difference for Su Yuwei is that she is smart, can make money, can feed herself well without relying on men, and can live a comfortable life.

But to put it in a bad way, if Su Yuwei doesn't make money by herself, her character and outlook on money are really not something ordinary people can afford.

In the 21st century, Su Yuwei's situation is not much different from those of female doctors who have not married out. I can make money, which is much more than the average person; he is educated; the average man doesn’t like it; the person is good in all aspects, and there are many people who like her; I don’t want to go for it, I want to find a combination of three views, and finally She couldn't find what she was satisfied with.

Su Yuwei met Zhang Qianxiu, and the two of them saw each other right. Su Yuwei was willing to give in every possible way. In Zhang Qianxiu's opinion, she was very good, beautiful, smart, sensible, self-reliant, willing to give for herself, and sometimes she could be so good. Jiao, almost perfect!

But if you didn't meet Zhang Qianxiu, she might be a very picky woman in the eyes of others.

Of course, when Su Yuwei was killed in high school in the last life, no one commented on him that way. When it comes to her, everyone shook their heads and sighed and said "a pity".

After all, no matter what kind of person, they actually need money!

Closer to home.

Zhang Qianxiu said: "Being a salesman makes more money, but I have to run outside all day long, and I hardly have time to rest."

Kong Zhengye thought for a while, shook his head and said, "No, I have to go home at noon."

Kong Zhengye turned his head to look at Lu Yuejin and Jin Xiaoqi: "You two can think about it for yourself, Boss Zhang is good, as long as you are willing to work hard, he will not treat you badly."

Jin Xiaoqi said immediately: "Master, I'll be with you."

Jin Xiaoqi and Lu Yuejin are both young, in their early twenties, Kong Zhengye is already in his thirties.

Zhang Qianxiu smiled softly and said: "These things are not in a hurry, you can consider them slowly."

"Master Kong, if you have any difficulties in life, you can tell me. If I can help, I will definitely help."

Zhang Qianxiu knew that Kong Zhengye's problem was nothing more than money. For Kong Zhengye and the others, thousands of dollars and tens of thousands of dollars could be a lot, but Zhang Qianxiu could get it anytime now.

Kong Zhengye shook his head quickly and said, "Thank you, Boss Zhang, if I really need help, I will definitely open my mouth cheeky."

Kong Zhengye did not immediately refuse.

Zhang Qianxiu nodded: "Well, Master Kong, will you move to the edge of the factory?"

Kong Zhengye said, "Well, my father's illness is inseparable from people."

Zhang Qianxiu didn't know Kong Zhengye's family situation and didn't ask much, just chatting.

But in the process of chatting, Zhang Qianxiu discovered that Kong Zhengye should be a particularly respectful, reasonable, and polite person. He is really driven crazy by money now.

Zhang Qianxiu originally wanted to take the initiative to lend him money, but when he thought of what he had said before, he didn't even ask. Given Kong Zhengye's character, he probably just asked, he wouldn't want it.

In the evening, Zhang Qianxiu and Su Yuwei were reading upstairs, and Shan Hong, Han Zhuoyue and Zhang Yunhui unexpectedly came.

Zhang Qianxiu did have some accidents: "President Shan, Director Zhang, and Manager Han, how come the three of you have time to sit here today?"

Shan Hong said with a smile, "Boss Zhang, the main purpose of our visit this time is to discuss with Boss Zhang about the loan."

Zhang Qianxiu was naturally clear in his heart, smiled slightly, and said: "We can't agree on dividends. I want 50%, and Director Zhang is not willing to give it to me."

Zhang Qianxiu said this deliberately, and he knew very well in his heart, not to mention Zhang Yunhui, even Shan Hong and Han Zhuoyue couldn't agree to take 50%.

Shan Hong said: "Boss Zhang, you are taking a larger risk. This is the truth."

"But 50% is too much. There are five people on our side. Only one person will be left."

Zhang Qianxiu said: "Last time I also said that you still have a chance to be promoted to the president. Now you are just a county president."

"If all such large loans are repaid on time, it can greatly reduce the overdue and bad debts of your bank loans."

"Furthermore, the fifty million will definitely be deposited in your bank at that time, and your deposit limit will also be up."

Shan Hong nodded repeatedly: "Yes, what Boss Zhang said is not wrong."

"But anyway, your 50% is really too much. We can accept 35%. We all hold all the funds together. What do you think?"

Zhang Qianxiu asked: "How to hold together?"

Zhang Qianxiu's purpose is actually very simple. He wants to get the 50 million deposit slip.

In fact, Zhang Qianxiu's thoughts have been constantly changing. This is because he has made more appropriate changes after he has kept a deep understanding of various rules.

In the beginning, Zhang Qianxiu really just wanted to honestly cooperate with Shan Hong to make some extra money; later he wanted to embezzle some of the funds to develop his own business; later, he became bolder and wanted to embezzle 50 million yuan; now, he His idea is more perfect. He doesn't embezzle the fifty million, but he wants to use the fifty million as collateral.

Use a deposit certificate of 50 million to mortgage the bank, and a loan of 45 million will come out. This kind of high-quality mortgage loan will take some relationships and give some gifts. Not to mention the low interest rate of Shan Hong, which is lower than the normal interest rate. There should be no problem.

The 45 million is loaned out, that is, you can spend it as you want, and then use the 45 million to deposit. Forty-five million of deposits, any bank wants it, every bank All have deposit tasks. The more deposits they absorb, the better their performance appraisal will be.

Repeatedly, Zhang Qianxiu can use this 50 million deposit slip to at least leverage several hundred million in deposits of 45 million, 40 million, 35 million, 30 million, 25 million, Twenty million, so a little bit reduced.

Banks must also consider risks. A deposit certificate of 50 million will not give a loan of 50 million. It must be less. Zhang Qianxiu's bottom line is 5 million less at a time. If he can get it, every loan is better than deposits. It would be better if the amount on the bill was less than one hundred, and the funds that could be leveraged would be more.

Even if every loan is 5 million less than the deposit slip, Zhang Qianxiu himself can leverage 140 million loans, with a 2% interest difference a year, and a profit of 2.8 million.

If every loan is only 1 million less than the deposit slip, he can leverage more than 1.2 billion, and if the interest margin is still 2%, the interest earned in a year will be more than 20 million.

There is no need to do anything for a year. As long as these funds are properly operated, there will be more than 20 million profits, which is absolutely terrifying.

Shan Hong and the others didn't know Zhang Qianxiu's thoughts.

Shan Hong said: "Boss Zhang, we have six people, five of whom have deposits of 10 million each, and one of them is responsible for keeping the deposit slips."

If the deposit is someone else's name, there is no way to make a mortgage, even if Zhang Qianxiu keeps the deposit certificate, it will be useless.

Zhang Qianxiu shook his head: "No, I won't agree."

Shan Hong and Han Zhuoyue persuaded each other for a while, and Zhang Qianxiu was indifferent.

Su Yuwei also served tea and some fruit snacks to everyone at this time, sitting and listening.

Seeing that he couldn't tell Zhang Qianxiu, Shan Hong had to retreat to the next best thing: "Boss Zhang, otherwise, we will adopt the second method you mentioned."

"You keep these fifty million yuan, but you can't deposit in your own name, but in the name of your factory, you get 10% of the profit."

Zhang Qianxiu was already guessing in his heart whether Shan Hong would mention this choice.

Unexpectedly, it really mentioned it. It seems that Lin Qi really didn't lie to herself.

But Zhang Qianxiu couldn't figure out why Lin Qi came to inform herself, because she and she are not very familiar.

Moreover, in this small group of loans, it is obvious that Zhang Qianxiu is like an isolated person. Lin Qi and Shan Hong are cousins, and they also have some kind of male-female relationship with Zhang Yunhui.

What about Lin Qi and herself? At most, he said a few ambiguous words.

Zhang Qianxiu looked at Zhang Yunhui: "Director Zhang, do you agree?"

Zhang Yunhui nodded: "I agree, but the factory where you deposit money must arrange for one of our people to let Lin Qi go to your factory to take care of the finances. We don't care about your own funds, but we must supervise those 50 million yuan. You can't move a penny."

Zhang Qianxiu didn't take what Zhang Yunhui said seriously, but worried about Lin Qi in his heart.

I don't know if Lin Qi has any other ideas. If Lin Qi has any ideas, it will be a problem.

When Lin Qi entered her factory and took care of the finances, it would definitely be inconvenient if the money was to be used as collateral.

If Lin Qi took the opportunity to threaten, or took the opportunity to ask for money, there would be no way back for herself.

When Lin Qi took the 50 million deposit slip and refused to give it to herself, that would be difficult to handle.

Seeing that Zhang Qianxiu was silent, Zhang Yunhui was slightly displeased: "Boss Zhang, you mentioned these conditions. We have agreed. It is not too much to let one person supervise them?"

"We will manage the fifty million separately, you still don't worry, we have already made a big concession."

Zhang Qianxiu is not afraid of Zhang Yunhui. He looked at Zhang Yunhui and said indifferently: "You put a person in my factory, or you are in charge of such an important department as finance, can I rest assured?"

"How much money can your factory have? Can it be more than 50 million?" Zhang Yunhui felt that Zhang Qianxiu was nothing but looking for trouble, not sincere.

Zhang Qianxiu ignored Zhang Yunhui's dissatisfaction, and he pondered for a while, and said, "I want to meet Lin Qi and have a talk."

Zhang Qianxiu wanted to know exactly what Lin Qi was going to do, or else, even if he didn't say anything, he would not agree to their request and cooperate with them.

After the big deal, I will do it all by myself. Although I do a little bit smaller, I still do it myself. Whatever goes wrong, I can control it all by myself.