Early in the morning, Li Weidong was called to the office by Zhao Guodong.

"Are you going to contract a garment factory, don't you want to work with me?" asked Zhao Guodong straight to the point.

"I want to do it, but I also want to try to go out. Li Weidong smiled, and then said: "If I really don't want to work in the freight department, I don't have to go to the garment factory!"

"Again, the garment factory is a mess, and if you really want to jump to another department, you can't go to the garment factory. It's a pity for me, I'm missing a talent here. ”

Zhao Guodong sighed and said with some regret: "Take advantage of your youth and strength, it's good to go out and break through, if you can save the garment factory, and then transfer back to the company in two or three years, it is possible to be promoted to a middle-level cadre, and then it will be at the same level as me." ”

"Director, I think it won't take you three years to be promoted to the head of the company. Li Weidong said with a smile.

In Li Weidong's memory, in the late 80s, Zhao Guodong was transferred to a government unit, and later mixed with the director of the county-level bureau.

"Lend you auspicious words!" Zhao Guodong's voice changed, took out a document and handed it to Li Weidong, and then said: "By the way, I will give you a job, and I will send this form to the procurement office in a while." ”

Li Weidong took the form, looked down, and found that it was a driver's height size chart.

"The purchasing office asks for height and size, are you going to buy clothes for us?" asked Li Weidong.

"Well, it was said that it was to purchase a batch of military coats for long-distance drivers, two for each person. Zhao Guodong replied.

Li Weidong frowned: "Two pieces for one person, military coats are not gloves and socks that need to be replaced, one can be worn for several years, we can't use so much." Didn't the procurement office say, why should one person have two military coats?"

"Nope. Wang Haibin has always been in charge of the procurement business, who knows what kind of wind he has in his head!" Zhao Guodong replied casually.

"Yes, the director of procurement is Wang Haibin, Wang Haibin is Zhu Shicong's person, and Yang Peng, who competes with me for a garment factory, is Zhu Shicong's nephew......" Li Weidong has connected all this.

"Yang Peng's side is obviously going to play tricks, it seems that if you want to contract a garment factory, it's not enough to just talk about it, I have to make a big move!"

......

The sound of a "doodoo" motorcycle sounded, and the uncle at the bank door who was good at counting knew that Li Weidong was coming just by listening to the voice.

"Little comrade, I haven't been here for a few days! Do you come to ask the exchange rate again?" asked the arithmetic uncle.

"I'm here for some business today. Li Weidong said, and handed the uncle another cigarette.

The uncle took the cigarette, flipped the match from his pocket, and said, "Then you go in and get busy, I'll help you watch the car." ”

"Thank you, uncle. After Li Weidong finished speaking, he walked into the business hall.

At the counter of the business hall, a middle-aged woman in her forties was waiting for Li Weidong.

"Sister-in-law, I'm here!" Li Weidong opened his mouth to greet him.

"Xiao Li is here, wait a minute, I'll take you to see our president immediately. The middle-aged woman replied.

Since becoming a dispatcher, Li Weidong has met a lot of people who are of three religions and nine streams, which can be regarded as Li Weidong's accumulated contacts.

The "sister-in-law" of this bank is the director of the bank's business hall, and her husband's company often needs transportation companies to send vehicles to transport goods, so she has dealings with Li Weidong.

Now Li Weidong wants to meet the president of the bank, so he borrowed this relationship. After all, the president of a prefecture-level bank is not something that anyone can meet if they want to. With the "sister-in-law" as an intermediary, Li Weidong can easily meet the president.

In an era when state-owned enterprises (SOEs) dominate the country, there is a vast network of relationships that is more useful than money.

After a while, Li Weidong was taken to the president's office and met with President Wu.

"You're Dispatch Li, right? President Wu beckoned Li Weidong to sit down, and after the two exchanged a few casual greetings, President Wu asked, "I heard, you plan to take out a loan?"

"Yes. Li Weidong nodded: "Our company has a tertiary garment factory, and I plan to contract it, but the operation of the garment factory is still short of funds, so I asked President Wu to help." ”

In the mid-eighties, only the Agricultural Bank could issue personal loans, and they were all for farmers, small short-term loans. Other banks issue loans, all of which are for businesses. Therefore, if Li Weidong wants to get a loan, he must bring the name of a garment factory.

"Oh, then do you plan to use a working capital loan or a technological transformation loan?" asked President Wu again.

"Let's take out a working capital loan. What I lack now is liquidity, and the equipment is readily available. Li Weidong replied.

"If you have a working capital loan, you can only borrow for half a year, how much do you want to borrow?" Governor Wu asked again.

"I want to borrow 500,000 yuan first. Li Weidong replied.

"500,000, so much!" Governor Wu showed an embarrassed expression.

Obviously, President Wu felt that a third-industry garment factory was not worth a loan of 500,000 yuan.

In '86, there were three main types of bank loans to enterprises.

One is working capital loans, which are to lend money directly to enterprises as working capital, and this kind of working capital loans are only for half a year at most, and it was not until 1990 that one-year working capital loans appeared;

The second is the technological transformation loan, which is the loan issued by the bank for the technological transformation and equipment renewal of the enterprise, and the loan term is generally not more than five years, and the special technical transformation loan approved by the provincial administrative unit can be extended to seven years.

The third type is fixed asset loans, which are mainly for investment in fixed assets, such as capital construction, project construction, etc., and the term of this type of loan can reach more than ten years.

In this case, Li Weidong can only apply for a working capital loan. It is obviously impossible for a tertiary garment factory to apply for a loan of 500,000 yuan.

Some of the rebirths wrote that in the 80s, banks would ask for corporate loans and interest-free discounts, which misled many people who did not know the truth, leading many people to mistakenly believe that this was true.

It is true that banks ask for corporate loans, after all, only with loans can banks make profits.

But the interest-free discount is purely nonsense by the author of the online article. Banks are counting on interest to survive, and if they are free of interest discounts, won't the banks lose money?

For the president of the bank, it is important to complete the loan task, but he is not guilty of operating at a loss in order to complete the loan task.

Moreover, at the policy level, after the People's Bank of China promulgated the "Trial Measures for the Management of Credit Funds" in 1984, banks already had clear rules and regulations for loans.

Unless the government has given special policies, how can companies get interest-free loans?

Seeing President Wu's embarrassed face, Li Weidong directly took out a cashier's check of 10 million yuan, handed it to President Wu, and then said: "President Wu, I can use this as collateral." ”

"Seven zeros! Ten million! Is this a cashier's check?" said Governor Wu took a breath of cold air.

Governor Wu still knew it, and although the cashier's check was mixed with various Japanese and English, he still recognized it as a cashier's check.

Li Weidong explained: "This is a cashier's check from Fuji Bank of Japan, worth 10 million yen, and I want to use this cashier's check as collateral to borrow 500,000 yuan." Your bank has foreign exchange business, and it should be able to verify the authenticity of this cashier's check, so I came to ask President Wu. ”

"Fuji Bank, that's a world-class big bank!" Governor Wu sighed, completely lacking the heroic appearance of the four major state-owned banks in the future.

Li Weidong went on to explain: "This cashier's check has four years to expire, and the time limit for cashier's checks and fixed amount cashier's checks of international financial institutions is relatively long. ”

It was only in 1994 that China promulgated the Negotiable Instruments Law, which stipulates that the time limit for bank promissory notes of fixed amount shall not exceed two months.

Foreign banks are much more lenient in this regard. International banks in financial centers such as New York, London, Hong Kong Island, and Tokyo issue fixed-amount cashier's checks for three to five years. However, many cashier's checks involving RMB are still within two months.

After all, the national conditions are different, and China's financial and monetary controls have always been relatively strict, and the country does not want too much hot money to circulate in the society in the form of promissory notes.

Governor Wu took the cashier's check and looked through it carefully, and then asked: "Dispatch Li, 10 million yen, but a huge amount of money, where did you get so much money? Don't blame me for talking too much, I must first confirm the legitimacy of this 10 million yen." ”

"Understood. Li Weidong said, took out the "Literary Works Transfer Authorization Agreement" from his bag, handed it to President Wu, and then explained:

"I'm good at car repair, so I wrote a book on car repair technology and sold it to Tianfeng Automobile Company, and the 10 million yen was earned from selling books, which was an agreement I signed with Tianfeng Company. The signature is the representative of Tianfeng Company, Masayuki Kato, and you can go to Tianfeng Company for verification. ”

Governor Wu took the contract, he couldn't read Japanese, but the number "25,000,000 yen" on the contract, Governor Wu could still understand it.

"Uh, Dispatch Li, it's 25 million yen, right?" asked Governor Wu cautiously.

"Yes, the copyright of the book was sold for a total of 25 million yen, and this is only 10 million of them. Li Weidong replied.

"Good boy, what book can be sold for so much money!" President Wu was more and more surprised in his heart, and he quickly calculated that 25 million yen could be exchanged for 500,000 yuan according to the official exchange rate, and more than 1.2 million yuan at the black market price!

The next moment, President Wu suddenly realized that the young man sitting in front of him turned out to be a millionaire!

In eighty-six years, 10,000 households will be looked up to, and a millionaire is even more unimaginable.

Fortunately, President Wu is also a person who has seen money, and he didn't show too much gaffe.

"Accountant Li, such a large amount, let me calculate it first. I saw President Wu pick up the abacus from the table and start calculating the exchange rate and interest, but in fact, he was thinking about whether to approve the loan.

10 million yen, the black market price is about 500,000 yuan, and the fluctuation will not be too big, so using this 10 million yen as collateral and lending 500,000 yuan, the bank will definitely not lose money.

When Li Weidong repays the money half a year later, he will definitely have to pay interest on the loan, so the bank will make a profit.

What's more, if Li Weidong can't pay the 500,000 when it expires, then the 10 million yen will belong to the bank.

10 million yen, is foreign exchange, more fragrant than 500,000 yuan!

Thinking of this, President Wu even had some expectations that Li Weidong had better not pay back the money.

A prefecture-level bank can earn 10 million yen in foreign exchange, which must be a dazzling achievement!