Rebirth to 90s: Start from Scratch

The fifteenth day of the lunar month, Saturday.

Shan Hong called to make an appointment, saying that Zhang Yunhui had brought the person from the China Banking Regulatory Commission and asked Zhang Qianxiu to meet and get to know him.

Zhang Qianxiu didn't care too much, and promised them to meet together at night.

The meeting place was still at the Haolaixuan Hotel.

At 6:40 in the afternoon, Zhang Qianxiu went ahead as usual. Shan Hong, Lin Qi, and Han Zhuoyue had all arrived early, and Zhang Yunhui had not yet come.

"Boss Zhang, sit down. Director Zhang and the others are still on the road. They should be there soon." Shan Hong said with a smile: "Boss Zhang, after meeting the people from the China Banking Regulatory Commission, we can start applying for loans."

"We'd better discuss it now and see how this matter should be arranged and how to solve it."

"Also avoid any problems later."

Zhang Qianxiu sat down and said, "This is right, President Shan, what are your plans?"

Shan Hong said: "In fact, they are still the methods we discussed before. In fact, everyone knows these methods and there are no secrets. The most important thing is that the fewer people deal with, the better."

"At your factory, you have to make arrangements and try not to let the people below them know. Even if you do, don't know the inside story."

Zhang Qianxiu nodded slightly: "Isn't this a big problem? I will try to control only one or two people, and at most three people know this."

"It is basically impossible to control that no one knows it. The money still has to go to our company's accounts. The financial side will definitely know."

Zhang Qianxiu did not intend to drag out all his preparations.

Those were all prepared by him and used for himself to get away. If all of these preparations were known to them, what would be called a backhand, just wait to be pitted.

Shan Hong and the others, none of them is good. If they all know about it, the final result can be imagined.

Shan Hong still knows the basic operation of the company. It is impossible for the finances to know about such a large sum of money entering the company.

The person in charge of the factory's public account must be able to see it.

"Boss Zhang, financial staff, can you arrange a few relatives to go up?" Shan Hong asked.

Nowadays, many people use relatives to do these things. In our country, the level of trust in relatives is still very high.

Zhang Qianxiu shook his head: "We don't have anyone in our family who can manage finances. Even if we make a simple summary, it is estimated that we can't do it. Even if I call them, it is probably just a bunch of furnishings."

"I will arrange some people I trust in the factory. In this regard, there will be no problems, and I cannot take the second half of my life to take risks."

Several people in Shan Hong can trust this.

Originally, the consequences of this matter Zhang Qianxiu would be more serious, and if the matter was revealed, his trouble would be the greatest.

Lin Qi glanced at Zhang Qianxiu and smiled.

This smile made Zhang Qianxiu's heart nervous.

At this moment, Zhang Qianxiu fiercely discovered that Lin Qi, who seems to be the most useless among this group of people, is the most dominant. She can have both sides. Almost everyone here believes in her, even she can only choose. Believe her, otherwise, this loan will not go on at all.

Zhang Qianxiu suddenly felt that he had always underestimated Lin Qi, and Lin Qi was even more difficult to deal with than others.

Just as everyone was talking, Zhang Yunhui came, along with a woman in her early twenties.

Seeing this woman, Zhang Qianxiu was shocked, because he had seen this woman, and the two of them should have known each other.

This woman is the former supplier of flour and sugar at Wanhui Factory, Wen Ling.

Wen Ling was not surprised when he saw Zhang Qianxiu, instead he greeted him with a generous smile: "Boss Zhang, we are really fate, we have met again."

Zhang Qianxiu doesn't know what Wen Ling's identity is, but he can probably also think that Wen Ling's identity is not simple.

Wen Ling is not very old, so it stands to reason that he won't have too high a position in the China Banking Regulatory Commission.

But Zhang Yunhui said that the person he was looking for could guarantee that the CBRC in Shaoqing City would not find them. In other words, Wen Ling's position in the CBRC was not low.

The banking system is a very large framework. For example, the banking financial structure, underneath are various banks; there are regulatory agencies, underneath is the China Banking Regulatory Commission; in addition, there are banking associations and so on.

Banks, China Banking Regulatory Commission, and Banking Associations are actually in the same position. They do not have management authority. Just like the production department and the quality inspection department, the leaders of the two different departments cannot control the quality inspection department, but The quality inspection department cannot order the production department to do something.

However, the quality inspection department can pick up the faults of the product. If it encounters the production department employees and management that are difficult, it may also be difficult and cause trouble with each other, depending on who thinks it makes sense.

Banks face the CBRC just as the production department faces the quality inspection department. Every bank is afraid of the CBRC.

It stands to reason that the China Banking Regulatory Commission is more difficult to enter. Since Wen Ling can enter, it means that his backing is very hard.

Among them, there is another thing that puzzles Zhang Qianxiu. That is the state-owned units. Generally speaking, they are mainly managed by the State-owned Assets Supervision and Administration Commission and are not part of the banking system. Wen Ling has a hard relationship with the State-owned Assets Supervision and Administration Commission and banks at the same time. Are the two official departments of the system?

Zhang Qianxiu secretly guessed Wen Ling's origins, and responded with a smile: "Miss Wen, it seems that I made a wrong decision at the time!"

Wen Ling said, "Boss Zhang, aren't we working together again?"

Zhang Yunhui was surprised. He didn't expect Zhang Qianxiu to know Wen Ling. He smiled and said, "So everyone knows him, so our affairs will be easier."

It was not just Zhang Yunhui who was surprised. Shan Hong, Han Zhuoyue, and Lin Qi were also surprised. They did not expect that Zhang Qianxiu would know someone from the China Banking Regulatory Commission.

Zhang Qianxiu smiled and said: "Then let's sit first, and Miss Wen will work with us. I can still trust it very much."

When seated, Zhang Yunhui insisted on letting Wen Ling sit in the upper position, Wen Ling declined a bit, and finally sat in the upper position, with Zhang Yunhui and Zhang Qianxiu on the left and right, and the others went down in turn.

In the beginning, everyone was just chatting, and when the dishes were ready, Han Zhuoyue toasted a circle of wine, Wen Ling refused to drink, and replaced the wine with tea.

Naturally, Han Zhuoyue couldn't force it. After this lap, everyone raised their glasses less frequently, and they were all waiting to tell the truth.

Zhang Yunhui knows everyone and is familiar with all the operations. He said: "Everyone, today we are here to talk about business. This wine is almost enough to drink. Let's discuss it now. How about the next specific operation?"

Everyone has no opinion and agreed.

Seeing everyone's agreement, Zhang Yunhui said, "All our loan processes are through normal channels, but in this process, we try to minimize other people's involvement in this matter. Boss Zhang submits the loan application directly to Manager Han and the president of the bank. ."

"When the president of the single bank submits it up, try to give it directly to me, and I will give it directly for approval."

"There shouldn't be anyone else in the bank intervening in this matter. At most, someone will be involved when it handles it."

"The most important thing is Mr. Zhang's factory on your side. This must go to the public account. Your financial side must handle it well."

Loans generally have three levels of review. The first is the business manager, which is Han Zhuozhu; the second is the loan review, which is Zhang Yunhui; and the last is Shan Hong.

Generally speaking, it is Zhang Yunhui's step that is most likely to be stuck. Han Zhuoyou wants performance, and Shan Hong will pass as long as the first two people pass.

Zhang Qianxiu said: "I also talked about this issue with President Shan just now. It is impossible for me to have no one know about it, but I will find a reliable person to do it, and I will not let them know too much."

"I can't bet on myself for the rest of my life."

If it was before, Zhang Yunhui might say a few more words, but seeing Zhang Qianxiu and Wen Ling know each other, he nodded: "Boss Zhang, we believe in your abilities."

"Let's talk about loan application again. We must take a mortgage loan. Boss Zhang, have your patents gone down?"

Zhang Yunhui heard Shan Hong say that Zhang Qianxiu wanted to use a patent mortgage.

Zhang Qianxiu shook his head: "Not yet!"

Zhang Yunhui said: "That doesn't matter. As far as I know, Mr. Zhang, you have three factories, a rice shop, and you also partner with others to do lottery tickets."

"Forget the lottery, there are too many people involved, and I heard that there are officials in it, so it's easy to go wrong."

"The rice shop is registered as a company, rent a warehouse and put two rice mills."

"At that time, no matter what model of rice mill, write a few more."

"The other thing is, that rice mill, you can find a way to rent a dozen units, and you can return it after taking pictures."

"There are also very expensive ones, you just need to find a way to get some photos from other places."

Zhang Qianxiu immediately thought of Hengchang Rice Factory. When that happens, he only needs to take pictures: "This is no problem."

Zhang Yunhui smiled and said: "After the rice factory is set up, the printing factory will follow. The printing factory must have a printing press?"

"The printing plant is okay. The equipment inside is estimated to be worth more than one million." Zhang Qianxiu said.

"Millions?" Zhang Yunhui was taken aback, and said, "Then it will be easy to handle. When the time comes, one device, write eight or nine stations, and own equipment, so I will take more details when that time comes."

"Canneries and biscuit factories, the equipment can't do too much tricks, but the valuation can be written more, and there is no problem if it is ten times or fifty times."

"As well as your company's performance and financial statements, you need to find a financial statement to make a copy."

"The turnover must be written at least 30 million or more."

"There is also the size of the staff, write seven or eight hundred people."

There is actually a problem with bank loans. In the initial stage, if you have a factory there, the bank likes to look at your scale. If you have more workers, it proves that your scale and output are large, and you can make money.

Later, the bank discovered that even if there are many workers in some factories, they may not make money, and there are no orders at all.

Then, the bank likes to watch the flow. If you flow a lot, you can always make money, right? Can you always pay it back?

But later it was discovered that some factories had a turnover of tens of millions and a net profit of hundreds of thousands.

Later, the bank will look at the ratio of performance to profit. If you have performance and profit, you should always make money, right?

But later it was discovered that many people registered multiple companies and "swiped" their performance and profits, but in the end they still had no money to pay.

Now, in this era, bank loans are most likely to look at the scale. If you have a large scale, I will give you a loan.

Zhang Qianxiu nodded: "No problem, you can take care of the review problem, I can write anything here."

Both Zhang Yunhui and Wen Ling looked at Zhang Qianxiu in surprise. The more Zhang Qianxiu cheated here, the more trouble he himself would be.

Of course, the more frauds, the more trouble other people have.

Loans basically have no technical content, that is, they shield each other and falsify together. For some things, the amount and valuation are ten or even a hundred times higher; if you don’t have things, get a few photos and write them up. Then the loan will come down naturally. Up.

Discuss everything and agree to start operation soon.