Rebirth to 90s: Start from Scratch

Zhang Qianxiu nodded slightly and said, "Mr. Bervska, I know it will be difficult to get a loan from your country, but you can definitely think of a way."

"We also know that people don't talk secretly. I want to borrow 200 million yuan, interest and margin. You mention, if I can agree, then we will cooperate. If I feel too high to accept it, then I will be a friend. ."

Bervska smiled "haha" and said, "Mr. Zhang is very refreshing and direct. I like working with people like Mr. Zhang very much."

"I can give you a loan, but 200 million may not be able to get a loan."

Zhang Qianxiu saw that Bervska had a way, and said, "Then what are the specific steps?"

"Misappropriation of public funds." Belvska said: "It is very burdensome to make public relations in our country. Let me give you a rough example. Farmers spend one hundred yuan in seeds, fertilizers and other costs to grow crops, and they have harvested one hundred dollars worth of crops. The state spends 80 yuan to buy agricultural products worth 50 yuan."

"This has resulted in a lot of places preferring to collect rice for the government by themselves."

"Our operation is actually very simple. First, find a few large farms and factories and ask them to borrow money, and then you can borrow money from them."

"They need a certain amount of interest when they borrow from our bank, and they also need a certain amount of interest when they lend to you."

"But these factories and large farms require collateral, so you have to set up a company overseas and purchase certain assets as collateral for them."

"Then Mr. Zhang has to give them some fees."

Zhang Qianxiu understood in an instant that this is a personal loan in disguise, but such a loan is indeed a bit black-hearted.

If the bank wants 15% interest and loan to Su’s farm and factory, the factory will also earn part of the interest, and Zhang Qianxiu will have to bear both of the interest.

Zhang Qianxiu was still thinking about this, and Bervska said again: "Mr. Zhang, I'll tell you the truth, even if we borrow 200 million yuan, we have got so much money, and the money you get is estimated to be just too much. It's about 100 million."

"I heard Valery say that you are going to take a loan for ten years. After ten years, you are estimated to have to repay about 2.6 billion."

"I speak very truthfully. I will tell Boss Zhang what it is like. I will never exaggerate or hide anything from you."

This loan is definitely unfair.

If you borrow 100 million for ordinary people this year, and 2.6 billion in ten years, some people may borrow, because he thinks that a lot of 100 million will be worth it even if he can’t afford it in the future. For at least ten years, ten Years later, he is alone and can't pay the bill, you bite me?

But if someone borrows one hundred thousand from you and repays you two hundred and six hundred thousand in ten years, many people are unwilling, because one hundred thousand can not change him, it may only be his one-year income, and two six hundred thousand. This debt is firmly pressed on his head, and it will take him twenty-six years to earn it back.

Take a look at the mortgage. One million mortgages are paid in installments. Thirty years later, the total repayment amount is only two million, which is only doubled. Although there are some differences, it is not difficult to see, Belfsh This loan of the card is completely usury.

Zhang Qianxiu said, "Mr. Bervska, you have to tell me the interest and where you need to spend money."

When Bervska saw Zhang Qianxiu still asking, he was really surprised that anyone with a little financial knowledge would not be willing to accept a loan shark like this.

But Zhang Qianxiu agreed, which surprised Bervska very much.

Bervska even thought about whether Zhang Qianxiu would not repay the loan afterwards, but the possibility of this is not high, because this is a financial crime. They can apply for the extradition of Zhang Qianxiu and get back to squat.

Many financial criminals went to country B from country A. Congress B followed the "International Law" to understand the specific situation, and then assisted in the investigation. After the suspect was caught, it would be handed over to country A for processing.

If the owed two billion yuan is not returned, it is more than 10 billion Chinese yuan based on the current exchange rate. This will definitely allow Zhang Qian to finish repairing his calf.

Bervška immediately rejected Zhang Qianxiu's idea. He definitely didn't want to make mistakes.

If it's not a fraud, is it a fraud?

But Bervska knew about the smuggling of Valery's cooperation with Zhang Qianxiu. Zhang Qianxiu's identity should not be a problem. If there is a problem, Valery will not cooperate with him.

After much deliberation, Bervska didn't understand what Zhang Qianxiu had the confidence to go to Su Guo to loan so much money.

"Mr. Zhang, before answering your question, can I ask you a question?" Bervska really couldn't figure out the doubt in his heart.

Zhang Qianxiu nodded: "Yes!"

Bervska asked: "Mr. Zhang, I will certainly not give you a low interest rate. Although you get 100 million yuan, it is a lot, but compared to the money you have to pay back in the future, it is not worthwhile at all."

Zhang Qianxiu smiled softly and said, "Because I have a way to turn this one hundred million into one hundred billion."

Zhang Qianxiu is talking nonsense, he really can't help it.

Belvska can be the president of the bank, and he can understand financial matters. He shook his head again and again: "Impossible, I'm not good to say, even if you cooperate with Valery, this is not possible."

"The greater the assets, the slower the growth. Any industry that reaches a certain scale and wants to continue to grow will be restricted. The same is true for making money. Although it is rich, it is not difficult to make money, but in ten years, 100 million changes. One hundred billion is impossible."

"One hundred billion rupee is equivalent to more than four hundred billion Chinese yuan. At present, no industry has such a high output ratio, not even arms or businesses in the Golden Triangle."

Zhang Qianxiu said with a smile: "This is my business secret, but I can give some tips on technology."

The scope of science and technology is very wide, such as biotechnology, electronic technology, information technology, aerospace technology, etc., which is not easy to guess at all.

But Bervska still shook his head: "The realization of science and technology has taken too long. The steam engine is a great invention, but it took that long to change the world since it was invented."

"To say something bad, Mr. Zhang, even if you can invent a technological product that changes the world like a steam engine, you will not be able to achieve a thousand-fold increase in wealth within ten years."

Zhang Qianxiu said, "Mr. Bervska, I think this is not what you care about most?"

Bervska smiled "haha" and said, "I'm just curious and just ask, I'm only responsible for helping Mr. Zhang with a loan, and I don't care about the others."

"Then let's get back to business."

"I've talked to you about the loan procedure, Mr. Zhang, and the next step is the cost of all parties."

"Mr. Zhang, I want a 15% commission."

Bervska looked at Zhang Qianxiu and wanted to see how Zhang Qianxiu reacted.

But Zhang Qian had no expression on his face, and Bervska was not sure what Zhang Qianxiu was thinking.

Zhang Qianxiu said: "Mr. Bervska, you just finish all the expenses, let's discuss it a little bit!"

Zhang Qianxiu didn't discuss it with Bervska one by one because he didn't understand the financial system and banking system of the Soviet Union, and he didn't understand some international rules.

After doing business for such a long time, Zhang Qianxiu is very clear in his heart that if you don’t understand the rules, it’s best to ask those who understand. The rules are for the benefit of most people, or that the existing rules can actually maintain the rights and interests of the superiors. Don't want the rules to be broken.

You are a newcomer who rushes in and messes up, you don't know how to die.

Another reason is that Zhang Qianxiu didn't know how much Bervska had to toss out, and negotiated with him about one item, even if the ratio was very low, in the end he tossed you a lot of messy fees, which add up to the same amount.

Belvska could probably also guess Zhang Qianxiu's thoughts, nodded slightly, and said, "Yes, then I will list the expenses now."

Bervska said a lot about his translator. The translator took out a pen and paper, wrote a note, and handed it to Zhang Qianxiu: "Mr. Zhang, all the expenses are here."

Zhang Qianxiu took the note and looked at it carefully.

Belvishka commission 15%; farm and factory management personnel 10%; other related personnel to facilitate relations 10%; the annual interest rate of bank loans to factories and farms is 18%, need Calculated as compound interest, but farms and factories still need to earn part of the interest. The 18% annualized rate will be borne by Zhang Qianxiu, so the total interest rate is 28%.

In addition, 15% of the assets will be bought abroad, and these assets will be mortgaged abroad to farms and factories.

These assets must be bought by Bervška, and a 2% fee will be charged for them.

Finally, a repayment amount table is also written on it.

The first year is 200 million, and the interest is 56 million. In the case of compound interest, the second year’s interest is 72 million, and the third year is 92 million. By the tenth year, the one year’s interest is More than 400 million, with a total repayment amount of 1.851 billion.

Zhang Qian has calculated the annualization of 100 million and 30%, and the compound interest will also be 1.3 billion after ten years.

This is 100 million more, and 2% less annual compound interest. After ten years, interest has only fallen by about 500 million. This shows how powerful compound interest is.

Zhang Qianxiu has read a book about financial management. A person or a couple saves money from the age of 25, and saves 300 every month, stabilizing an annualized income of 10%. After 30 years, wait for him 50 At the age of five, he will have a deposit of more than 600,000 yuan; if he deposits 3,000 a month, it will be more than 6 million.

In this book, there is another example. Save 20 yuan a day. If you can guarantee your annualized income of 25%, after 30 years, you will have one thousand nine hundred and thirty-six. Ten thousand; if the income is 12% per year, deposit 20 yuan a day, after 30 years it will be 1.29 million; if the annual income is 8%, deposit 20 yuan a day for 30 years After that, there were eight hundred and eighty thousand.

The most important thing here is to stabilize this rate of return every year, which is compound interest.

When reading this book, Zhang Qianxiu also lamented the power of compound interest, and lamented that ordinary people who do not manage money have indeed lost a path to wealth.

Especially in the early 1990s, it was not difficult to get an annualized income of 10%. Any deposit bank could get 10% income.

However, for ordinary people in the 21st century, it is not easy to find financial products with stable annual returns of 25%. Such high returns are basically accompanied by risks.

Even Buffett's compound annualized rate is less than 25%.

Closer to home.

Zhang Qianxiu put down the piece of paper and said: "Mr. Bervska, it's high, you just happened to get me a hundred million dollars!"

"You give me a real data, this data, I can't accept it."