"Mom, why didn't you cook?" Wang Haoan came home and saw his mother sitting on the sofa, looking unhappy, "It can't be that I quarreled with my dad again, right?"

"I'm no longer angry with your father, let me ask you, are you messing with those children in the yard to help you collect treasury bills?"

"Yes, don't you think the treasury bills are bad and want to exchange them for money, I'll help them. ”

"You collect 80 yuan of treasury bills from people for 100 yuan, do you know what people say about you behind their backs, what do they say about your father?"

Wang Haoan ignored this problem, maybe others wanted to sell it, but after selling, they still felt a loss, so they would scold those who collected treasury bills behind their backs.

If you don't know it, you naturally don't have to take it to heart, but now everyone knows that this matter was done by Wang Jianguo's kid, so it's not very good.

"Mom, you don't have to worry about this. They just say it, and I'm not forced to buy and sell. They can't wait for three or five years, and we've helped them, right?"

"Let's just say that Li Lao Liu, who often plays mahjong, do you know what price his creditors give when they collect the treasury bills in his hand, and give fifty for one hundred yuan!"

"There are also Zhao Lao Wu and Sun Datou, many of whom have been sold for 50 or 60 yuan, and we have collected less than 80 yuan? Those workers who are really in difficulty have not apportioned much treasury bills at all, and they are not willing to sell them. ”

"We see this thing as a commodity, and the value of the commodity will naturally rise and fall, I'm in business, shouldn't I make some money?"

"Forget it, I won't accept it from Bingfei Factory in the future, let them sell it to whoever they like. ”

If you exchange 100 yuan for 100 yuan according to 100 treasury bills, then Wang Haoan will definitely lose money, his funds will be reduced, and he can't make a lot of money by doing something for millions of dollars these days.

Buying and selling is originally divided into buying and selling, everyone wants to take advantage of themselves, find a balance that is acceptable to each other, and business can be completed.

"You don't have to charge so much, this will not be able to be exchanged until three or five years later, I heard that it is not cost-effective at all. ”

Li Fangqin didn't criticize more, her son made money in business, of course she was happy, she couldn't really let her son change with others for nothing, right?

"I know, so these Treasury bills, I have other uses, you leave it alone. ”

……

"President Du, this is the tea I bought from Hu Jian, I heard that it is not bad, I will give you a taste. ”

"Eh, that's so polite. Du Houbing looked at the three words of the big red robe on the tea box, and he couldn't close his mouth with a smile.

"President Du, I have another matter this time, our ICBC can use securities to mortgage loans, right?" Wang Haoan said the purpose.

The price of this stock fluctuates too much, and theoretically it can be mortgaged, but it can easily become a non-performing asset, and the amount of money released will be very low.

"It's not stocks, it's Treasury bills. ”

Treasury bills? Du Houbing's face was entangled, treasury bills are a method issued by the state to borrow money from the people and maintain the country's development, and to put it bluntly, they are treasury bonds issued to the people of the country.

The bank is also the state, and the money in the bank is also the money of the state. You use the IOU I borrowed from you, and then you take out a mortgage from me, no one does that, right?

"Why, no? I'm in the south, and I see somebody doing that. ”

"Oh, is there really someone in the south who has borrowed money with treasury bills, how much has he borrowed?" Du Houbing's eyes lit up, as long as he wasn't the first to do this, it would be fine.

"A million. "It's not Wang Haoan's nonsense, but it's really already done like this, but it's not ICBC, it's an urban credit cooperative.

"That's right, if it's less, it's not worth it at all. Mr. Wang seems to have collected a lot of treasury bills, how much do you plan to borrow?"

"Let's start with five million. Wang Haoan said very easily.

"How much? Five million!" Du Houbing thought that Wang Haoan would only borrow one or two million if he was too good, how could there be so many? Is it any wonder that the deposits in Wang Haoan's bank account have been decreasing before, and the co-authors have all become treasury bills?

"That's right, five million isn't a lot, what month does Governor Du not lend tens of millions of dollars, what's surprising about this little money. ”

Wang Haoan knew what Du Houbing was worried about, if the number was small, the risk would be small, and if the number was large, the risk would be large, and these Du Houbing had to think about it.

"President Du, there are many banks in Bingcheng, ICBC can't, I can also go to other banks. I've heard that not only ICBC, but other banks are also stimulating lending. ”

"Let's just say that a few days ago, CCB took out a large loan, using a pair of antique calligraphy and paintings, and borrowed 10 million. An antique calligraphy or painting can be loaned 10 million, and I use treasury bills issued by the state here, and I will definitely not lose money to borrow treasury bills, why can't I?"

Loans for antique calligraphy and paintings, which will be common in the future, are very rare now. The main reason is that the market of antique calligraphy and painting in China has not yet become popular, and it is very risky.

To the south, there was a pioneer who was best at lending money with all kinds of "antiques", and then inflating the value of his antiques and selling them for a profit.

And many of the antiques he sold and mortgaged were not worth anything at all. Not to mention the defective products, some are completely modern handicrafts, crowned with an ancient gimmick, find two "experts" to identify the valuation, you can take a bank loan, or fool some wronged people.

Most of the wrongdoers here are overseas Chinese, and those overseas Chinese are even easier to fool than real foreigners, because they are ignorant of much of China's history.

The pioneer took out several loans from banks, and the amount of the loans became higher and higher. But this future is out of the game, because he wants to do a big one.

An antique, known as the golden jade clothes, is actually strung together by him with some real and fake ancient jade and gold pieces, named the golden jade clothes, and found several "experts" in the industry, including some people with overseas expert titles to value this treasure.

Some of them use US dollars to verify the price, some use British pounds, some use RMB, some use Japanese yen, and some use Hong Kong dollars, and the final estimated price is RMB 2.4 billion!

When he wanted to take out a loan, he finally made the bankers scared, and when he checked it, he found that it was fake, and the things that had been mortgaged several times before were also fake, and finally got the pioneer in.

Wang Haoan does not have this risk, because the treasury bills are real, and they are issued and priced by the state.

"Mr. Wang, you use all voucher-type treasury bills, right?"

"Governor Du's high opinion is a voucher-type treasury bill. ”

"Have you thought about it, the state now prohibits the circulation of voucher treasury bills in the secondary market, and you suddenly come up with so many voucher treasury bills, how can I follow up and explain?"

Wang Haoan smiled: "I also have a way to do this." ”