Rebirth to 90s: Start from Scratch

Just as the two people were talking, Liu Qiying came and brought breakfast for them: "Mr. Su, Boss Zhang, my aunt invited investors and the leaders of several studios to go this morning."

"They said it was okay before, maybe to talk about the script tonight, and they should be able to sign."

"Where do you want to go during the day? I can take you there."

With that, Liu Qiying shared the breakfast in his hand between the two.

The breakfast should be bought around, and it's still hot.

Zhang Qianxiu said, "I'll brush my teeth first, Brother Liu, do you know someone from the bank?"

"Bank? I know two managers, but they have a normal relationship. They can eat and drink, and can help me with some small things." Liu Qiying was not full of words.

Zhang Qianxiu said: "I'm going to save money, and then borrow a sum of money. You can introduce me when you come."

Liu Qiying said: "No problem, I just met a business manager who specializes in loans."

Liu Qiying has been in this industry for a long time, and the capital flow of the crew is relatively large. In addition, Liu Weiqin's relationship between director and producer will definitely be better. Liu Qiying ran around with him and met some people, but The relationship is indeed as he said, it's not a big deal, people will sell a face, it's really a big deal, and it's impossible for them to help him.

Zhang Qianxiu brushed his teeth, then changed his clothes, ate a quick breakfast, and the three of them went to the bank together.

When he arrived at the bank, Liu Qiying was quite familiar with it, and took Zhang Qianxiu and Su Yuwei directly to the business manager's office.

The business manager is a middle-aged man in his early thirties. When he saw Liu Qiying, he smiled and said, "Xiao Liu, how come you have time to sit with me today?"

Liu Qiying said politely: "Manager Gong, I brought you two customers today. This is Boss Zhang and Zhang Qianxiu, a business man; this is Teacher Su and Su Yuwei, a writer. They have been with me these past two days. My aunt discusses selling the copyright of the TV series."

"Boss Zhang, Teacher Su, this is Manager Gong, Gong Zhihua."

Gong Zhihua was surprised by the identities of Zhang Qianxiu and Su Yuwei. After all, they seemed to be both young, but he was the business manager of loans, not in charge of deposits.

Gong Zhihua was also Linglong, and immediately understood that it was probably Zhang Qianxiu's loan business. He smiled and said, "Boss Zhang, Miss Su, sit down!"

"Xiao Liu, sit down too!"

As Gong Zhihua said, he went to pour water for the three people.

Zhang Qianxiu sat down and said, "Manager Gong, I'm bothering to visit him rashly."

"Don't bother me, isn't my job just for hosting bosses like Boss Zhang?" Gong Zhihua joked, "It's actually a small number of cultural people like Teacher Su."

Several people said politely, Zhang Qianxiu said: "Manager Gong, I would like to consult about the mortgage loan on the deposit certificate. I have a deposit certificate. How much loan can you give me? What interest rate?"

After all, Gong Zhihua was an insider, and he understood the way in the middle.

Otherwise, no one would be too painful to take a deposit slip to borrow money. Isn't this taking off your pants and farting?

Gong Zhihua didn't move a look on his face, and asked: "Boss Zhang, how much do you have in your savings?"

Zhang Qianxiu said, "Is there any difference between one million and ten million?"

Hearing 10 million, Gong Zhihua's face changed slightly, he glanced at Liu Qiying, wondering if Liu Qiying was reliable, and he didn't know the origins of Zhang Qianxiu and Su Yuwei.

Zhang Liu Qiying saw Gong Zhihua's look and gaze, and immediately stood up: "Boss Zhang, Teacher Su, Manager Gong, I suddenly remembered that my aunt had also confessed some things to me. I'm going to call her and be unaccompanied. "

Zhang Qianxiu also saw Gong Zhihua's face and instantly understood that Gong Zhihua guessed something.

And he didn't expect that Liu Qiying would be so clever and react so quickly.

After Liu Qiying went out, Gong Zhihua said: "Boss Zhang, your operation is a bit risky. I heard that you are not a local. If you play in your local area, it will not be a big problem. If you want to operate nationwide, it is still easy to cause problems. ."

Zhang Qianxiu asked puzzledly: "Manager Gong, do I have problems with my normal loan?"

Gong Zhihua said: “If you get a normal loan, there will be no problem, but Boss Zhang, you can’t deposit money in one place and then take out a loan. If you do it back and forth, you will have to go through the hands of many business managers. If you encounter a person with a more upright personality and report you directly, if you are investigating, the amount of money is too big or problems are likely to occur."

"The most important thing is in what name is your loan. The interest rate of the normal loan is not low. There is no difference to make money. The low interest rate you want to borrow is for some projects supported by the state. You must use special funds for special purposes and cannot be embezzled. He uses it."

Zhang Qianxiu understood in an instant that there is no problem with your deposits and no problems with your loans, but if you want a low interest rate, you must be supported by the state to do the project. The money must be used for the project. If you don't do it, it will be a fraudulent loan.

The country is not stupid. They know that the interest on deposits is high and the interest on loans for special support is low. They can definitely think of their own operations, and it is impossible not to supervise them.

This kind of operation by Zhang Qianxiu is actually taking the state support loan to deposit, which is tantamount to embezzling the funds of the support loan.

If all aspects of the relationship are opened up, then naturally it does not matter. The people below do not say it, and the above will not know, but if there are too many operations, it is definitely impossible to operate in the hands of a business manager. The same person, In the hands of the same business manager, making dozens of high loans, fools can see the problem.

If it is a nationwide operation, I don’t know when I will meet a upright person, and I will tell you when I turn around. If the state finds out, you have embezzled so many support loans to earn interest difference, which is not a trivial matter.

Zhang Qianxiu looked at Gong Zhihua for a while, and wondered what his intentions were for Gong Zhihua to wake up like this.

Gong Zhihua saw Zhang Qianxiu's gaze and said with a smile: "Boss Zhang, I'm just an ordinary person, not the kind of upright person. Everyone wants to live, right?"

Zhang Qianxiu smiled softly: "Manager Gong is honest. We only met for the first time. Do you believe me that way?"

Gong Zhihua said: "I believe in my vision. If Boss Zhang has enough funds, I can help Manager Zhang operate once."

"But I want a 10% commission for the interest difference."

It's really straightforward, and it's really bold.

Zhang Qianxiu said, "Manager Gong, special loans, it seems to be reviewed later, right?"

Gong Zhihua nodded: "Yes, but these problems are not big. I can write in the information that the Boss Zhang project failed two months after it was launched, and the follow-up review was naturally gone. This became an ordinary sum of money. Loans, not special loans."

"If Boss Zhang repays the loan on time, the pledged deposit slip will naturally be returned to you. If you don't pay it back, the deposit slip will not be there? I don't have a big problem."

Zhang Qianxiu can see that Gong Zhihua is also a veteran, and it is estimated that he has not done this kind of operation less.

For people like Gong Zhihua, it is as good as working with him, that is, the chances of problems are not high, but as long as there are problems, he will definitely push on others.

Zhang Qianxiu was still thinking about it, and Su Yuwei had already said, "Forget it, this loan project is a bit risky."

Su Yuwei is not opposed to Zhang Qianxiu doing things that go beyond the law, but he can't go too far, and most importantly, he can't put himself in danger.

In the previous operations in his hometown, Zhang Qianxiu had already set up a lot of shields. Even if something went wrong, Zhang Qianxiu would not have it.

But it's different in Shangjing. According to Gong Zhihua, if something goes wrong at that time, Zhang Qianxiu will definitely not be able to run.

Gong Zhihua looked at Zhang Qianxiu: "Boss Zhang, what do you mean?"

Zhang Qianxiu is still hesitating, Su Yuwei has cast a look at Zhang Qianxiu, and persuades Zhang Qianxiu not to be too risky.

Seeing Su Yuwei's gaze, Zhang Qianxiu thought that it was not worthwhile to take a risk for millions.

"Manager Gong, thank you for your kind reminder, let's forget about the loan!" Zhang Qianxiu said.

Gong Zhihua was a little surprised. He didn't expect Zhang Qianxiu to give up because of a few words.

In fact, Gong Zhihua told Zhang Qianxiu's original intention that he hoped that Zhang Qianxiu would do it once and don't go to other places. After all, the more operations, the greater the risk.

Normally, as long as the preliminary operation is done, there will be no problems in the later review.

But you are constantly changing places, banks, and business managers to get loans. Who knows when I will run into a stunned boy and report you?

Gong Zhihua didn't force it, and said with a smile: "Boss Zhang, I hope we will have more opportunities for cooperation in the future. If you really want a loan, as long as you have a high-quality industry, I can also provide you with a loan."

Zhang Qianxiu thought for a while, and asked, "Manager Gong, can I also get loans from foreign assets?"

Gong Zhihua said: "It is more difficult, unless it is easy to carry collateral such as gold and deposit slips. If your assets are in other provinces, we have to go to other provinces to review it. It is too far."

Zhang Qianxiu asked: "Can't you notify the local audit team of the audit?"

Gong Zhihua said: "The situation is probably like this. Each province or each region has a different management. This cross-regional operation has certain difficulties and risks."

Gong Zhihua didn't say it thoroughly, but Zhang Qianxiu probably also understood that there might be some truth in it.

Think about it a little bit, now that communications are not developed, each province is independent of each other, and is responsible for the above, and handing over its own business to others. How will this responsibility be counted in the future? After all, each region has its own performance.

Although Zhang Qianxiu stopped taking loans, Gong Zhihua was still more hospitable, so he started chatting with Zhang Qianxiu instead.

The most important thing is that, except for a few questions, most of the bank's questions, Gong Zhihua knows everything he can answer.

Zhang Qianxiu doesn't mind knowing more.

After chatting, Zhang Qianxiu found that the management details of the banking system in each place are actually different, but they are roughly the same. It may be due to regional issues and local policies.