He Zilong, Vice Mayor Wang, and his secretary negotiated cooperation until the evening of the same day. At the dinner table, after experiencing the alcohol test, He Zilong finally agreed "reluctantly".

In the end, the amount of the city's guaranteed loan was set at 39.99 million, and 10,000 yuan less became 40 million.

For those who don't understand, they definitely don't understand why the official bites to death so much that it is 10,000 yuan less, and it can't be turned into 40 million integers. But He Zilong understood that Vice Mayor Wang must have brought a political mission, and he confessed a loan of up to more than 30 million yuan.

10,000 less, not much different from 40 million, but it's easy to talk when you go back, 39.99 million is also more than 30 million, less than 40 million, isn't it?

Of course, He Zilong also paid a new price for the extra 9.99 million loans. That is, in addition to the cement factory, it is necessary to take over a small garment factory. And also to admit the debt of the two factories totaling five million!

Of course, He Zilong and they didn't lose anything, there were also some sewing machines or something in the factory, and there used to be such a factory, which was a community, and there was basically everything in it. And the small garment factory doesn't have many employees. The pressure is not too much, and He Zilong's main focus is on the land.

However, the city also issued a document, and the contract also mentioned that within three years, these workers could not go bankrupt and could not be closed unless the city allowed them. It is necessary to continue to work, and the list of retirees has also been given, and He Zilong is also responsible for their pensions!

As for what, the preferential policy of tax exemption for five years and half of the tax reduction for the next two years is also decided by the city a long time ago, and several coastal cities have given this kind of policy in the first two years. Shanghai is no exception!

It seems that after so many years of tax revenue, the city has lost money, but considering the situation of the two factories, it is long live that it will not become a burden.

Vice Mayor Wang is old and it is impossible for him to continue to rise, but he can leave some benefits to the people before he retires, which can be regarded as his personality and responsibility as a party (member). If the garment factory and the cement factory can really develop, even after retirement, it will be a good conversation, and it can also keep a certain amount of political capital for the children and themselves, right?

In this negotiation, everyone has their own little abacus!

He Zilong also has it, because he used to go to the cement factory before he was reborn. Garment factories are small, as long as there are no errors in the data. He also has a plan, and the clothing stores opened in many places in the mainland are actually purchased from small coastal factories such as Shanghai and Guangdong, and it is not difficult to keep them closed.

It is estimated that the city feels difficult, and the difficulty lies in innovation, and there are too many places to manage, so I can't be distracted. I don't see that once the factories in many countries are turned into private, they can quickly turn losses into profits, and this is the reason.

In addition, He Zilong must now throw all the money in his hand to buy the land, if he accepts it, he can take out a loan of about 40 million, throw out half of it to keep the two factories running, and keep half of it as confidence. Adapt at any time!

In this way, the money has turned, and there are still so many more, but there are more than 1,000 acres of land in hand, and two factories have become the bosses. Do you think this counts as an empty glove white wolf?

What is the interest on a loan?

That's right, it's interest, but the bank let the city do this, and the interest rate is very favorable. The 39.99 million is divided into a three-year period and a five-year period, and a very small part is a two-year period, and all of them are the way to repay the principal and interest in a lump sum at maturity. The interest rate is 3-4%, and the cheap ones are to die for!

He Zilong, who is very confident in the rise in land prices, feels that this kind of interest is no different from free.

This deal, everyone feels that it is earned, this is a win-win!

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Three days later, He Zilong went back to ICBC to get a loan. Seeing Ma Li standing there, she walked out with a document in her hand and a sigh on her face.

"Sister Ma Li, what's wrong, sighing ......?"

"It turned out to be Xiaolong, my sister has heard about it, congratulations, I'm still studying now and I'm really a big boss......"

"What kind of boss am I, this is a nuisance to take over a dilapidated factory that is not wanted in the city. What you took out of your hand, well, resignation procedures, you didn't do it at ICBC, ...... what's going on?" He Zilong looked surprised.

"Yes, my sister made a lot of money on the subscription certificate this time, bought a few houses in full, and bought a car, if you rely on a dead salary, it is really impossible. But that's exactly the case, some people in the industry always look at me unpleasantly, and the new director and section chief always want to do the problem of selling the whiteboard of the last subscription warrant. I'm really angry, so I won't do it with the old section chief, so I just ......"

"You're laid off, it seems that I still have to take some responsibility, if it weren't for the help of you and the section chief, I really wouldn't have been able to get my whiteboard warrant. Come on, is there anything I need help with?1 I might be able to say something now......" He Zilong frowned and said.

"No need, I don't want to do it, people's hearts are scattered, and the new leaders above look at me unpleasantly, and the melons that are forced to stay are not sweet. By the way, if you want to help, I may really want to ask you for help, big boss, where is your money put, if the funds are transferred to deposit and withdrawal, how about putting it in the new bank I am going to......" Ma Li suddenly laughed a little.

"New bank, you found your next home so quickly, which bank ......?"

"Citibank, I submitted my resume last week and it was approved. If you don't do it here, go directly over there as an assistant financial manager......"

"I see, that's okay, I'll take out the loan, and I'll go over there with you later......" He Zilong nodded and replied.

took out the money from the aunt's bank, ran to other banks to save it, and used it or something, there was no psychological pressure on He Zilong. Later generations of listed companies often did this, and the interest rates of joint-stock banks were relatively high and the services were better.

As for ICBC, both loans and savings are high-quality customers. As long as you can make him money, and at the same time know that the money is safer, he will not care what you do with it.

It didn't take long for Ma Li to walk into Citibank, and He Zilong felt that his eyes lit up.

If you have the opportunity to step into Citibank Shanghai Puxi Branch, you will find that the layout here is completely different from that of most domestic bank branches. Its business hall is divided into two floors, the first floor is a "one-to-one" financial consultation counter and VIP service room, and the cash counter is located on the second floor.

Reflecting its target market choice, deposit and withdrawal is not the bank's main business, diversified investment and financial management, but the market that the bank focuses on cultivating.

。 For example, Citibank Hong Kong implements a "three-to-one" service for "millionaire" customers, that is, the relationship manager, fund investment manager and foreign exchange investment consultant jointly serve customers, and recently it has been changed to "four-to-one", that is, on the original basis, another financial assistant is added. It can be seen that it attaches great importance to high-quality customers.

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