"I asked someone to draw up a contract, can you see if it's okay?"

Li Shaohui said as he took out a contract, which was actually a piece of paper.

The content is also very simple.

The amount is 3 million, the term is one year, the interest rate is implemented according to the same interest rate of Tongqing Building in Haizhou Branch, the loan principal and interest are repaid at one time when due, and the borrower signs.

This repayment method is actually Xiao Fei's advantage.

Because Tongqinglou's loan pays interest on a monthly basis, it is equivalent to Tongqinglou helping Xiao Fei pay a year's interest in advance.

"No problem, thank you brother for your support. ”

said yes, Xiao Fei waved his pen and signed his name.

The contract was in duplicate, and Xiao Fei held one by himself.

After signing the contract, Li Shaohui arranged for an accountant to transfer 3 million yuan to Xiao Fei's Agricultural Bank account.

After a while, 3 million will arrive, and Xiao Fei will have five million on his account!

This Nima was excited when he thought about Xiao Fei.

You must know that during the eleventh long holiday a month ago, Xiao Fei's account only had two thousand yuan!

Although there are millions owed outside, who cares?

In these years, if you are rich, you are an uncle, and those who can owe money are rich people!

A few minutes later, I received a text message reminder from Huaxia Agricultural Bank.

Perfect!

"Brother, let's go play two cards, and we just go out to celebrate in the evening. ”

"Okay, we're ......"

Before he finished speaking, Xiao Fei's mobile phone suddenly rang.

glanced at it, it was Liu Shuyu's phone.

It's strange, she knew that she came to Tongqing Tower by herself, and there must be something urgent about calling herself in such a hurry.

"There's an emergency, I'll answer the phone. ”

………………

"Hey, what's the situation? You don't need to rush to get a credit card, right?"

Although he knew that Liu Shuyu was in a hurry, Xiao Fei's mouth still habitually teased.

"No, I have a question for you, do you have any companies that have made bridges that you are familiar with?"

The so-called company that has made a bridge is a professional capital advance company.

In addition to long-term loans, such as home mortgage loans.

Other enterprises or individuals take out bank loans, which are generally for one year, and the principal needs to be repaid at maturity.

Anyone who does business knows that once this kind of large loan is used, it has been used on a rolling basis since then.

At some point, I want to take out such a large amount of principal to repay the loan at one time.

It is very difficult to lend it back out.

Where there is demand, there is a market.

In the society, there are many companies or individuals who are professionally engaged in the business of loan principal advance, and then return the advanced funds after the borrower re-lends the funds in the bank.

This kind of loan advance is called bridge in the banking industry, and this money is called bridge funds.

Bridge funds are generally short-lived, ending in a few days.

As a result, the interest rate is very high.

The current interest rate of Badu is not lower than 3 per 1,000 per day, and the average is around 4 per 1,000.

In other words, 10 million bridge funds can receive 30,000 or 40,000 yuan of interest a day.

"Do you have a client who needs to make a bridge?"

"Yes, there is a boss in Jingzhou, named Chen Shuhai, you should know, right?"

"Oh, Mr. Chen, didn't you see it in the office a few days ago?"

"Yes, the loan has been approved at the meeting, but the boss of the approval department is on a business trip today, and the loan system process is not finished. ”

As soon as he said this, Xiao Fei understood that the loan was stable.

As long as the loan will be approved, it means that there will be no problems with the loan approval.

Other system processes are all formal processes, and generally speaking, there will be no changes.

"Oh, that's fine, what's going on now?"

"The loan expired today, and Chen always found the bridge funds by himself, but now I don't know what happened, and the bridge company suddenly said that the money was not ready. ”

Encountering this kind of unreliable bridge company, Zhennyima is tragic, and the chain will fall off at a critical time!

It's like finally fooling a beautiful woman into the room, and suddenly finding that the eldest aunt is coming, it feels sour, Xiao Fei has a deep understanding......

If Chen Shuhai's loan is overdue, then the loan that could have been approved will definitely turn yellow.

At this time, it is estimated that Chen Shuhai's hair turned white.

Pull a hair and move the whole body!

If this kind of thing goes wrong, it will definitely be a huge blow to his career.

Credit is a thing that is difficult to build and easy to destroy, just once.

Once you lose your trust in Huaxia Bank of Communications, you will be blacklisted in the entire banking and financial system!

There has never been a shortage of enterprises with normal operations, because of this kind of thing, banks have been drained of loans, resulting in the rupture of the capital chain and bankruptcy.

The arrow is on the bow, it is estimated that Chen Shuhai really has no choice, so he rushed to the doctor to find Liu Shuyu.

However, an account manager like Liu Shuyu, who is a monk for a day and hits the clock for a day, where would he usually think about meeting a few people who have done bridge funds......

That's when I found Xiao Fei.

To be honest, Xiao Fei has only been an account manager for three months, and he really doesn't know anyone in this area.

However, a thought flashed in his mind, and Xiao Fei keenly captured it.

"How much money he has now. ”

"I don't know about this yet, anyway, the principal due is 10 million. ”

For Liu Shuyu's confused attitude, Xiao Fei was also drunk.

"Then you can ask clearly, I can find someone to ask, after all, time is so tight. ”

"Okay, you'll wait. ”

……………………

On the other side, in the office of the marketing department of the Haizhou branch.

Chen Shuhai, who was in a hurry, saw Liu Shuyu finish the phone call, and hurriedly asked.

"Manager Liu, what's wrong?

"How can it be so fast, I just found a company, and the other party asked you how much the specific funding gap is now. ”

Chen Shuhai silently calculated his financial situation.

"Well, about six million. ”

Good guys, 10 million is 6 million short, and there are only two hours left in the fundraising time, which is a lot of money!

"Then I'll ask you again. ”

After speaking, he hung up the phone to Xiao Fei again.

"Hey, there's still a gap of about six million here. ”

Six million, I have five million here, Chen Shu is also a big boss, and it should be no problem to think of a way to find a million.

"Well, that's pretty much it, you give him your phone, and I'll talk to him. ”

"That's good. ”

Hearing Xiao Fei say that it should be about the same, Liu Shuyu also breathed a sigh of relief.

After all, if the customer's loan in your hand is overdue, there will be a bunch of troubles behind.

Moreover, the approval of the renewal of the loan has been at the meeting, and if it is made yellow, then my work in the past few days will be in vain.

"Mr. Chen, my colleague Xiao Fei, you can talk to him specifically. ”

"Okay, thank you Manager Liu. ”

Chen Shuhai picked up the phone and couldn't wait to introduce himself briefly.

"Hey, hello Manager Xiao, I'm Chen Shuhai of Zhenxing Food Company. ”

"Hello Mr. Chen, I already know the general situation on your side, I just briefly told my friend about the situation, and the funds he can urgently mobilize now are only five million, and you need to solve the rest yourself. ”

Chen Shuhai thought for a while, solved five million, and the rest was less than one million.

I can still get together this fund by myself.

"That's really thanks to Manager Xiao, I can find a way to solve the rest. ”

"Well, we still need to talk about the interest rate in advance. ”

"Now the normal bridge fund is four thousandths, but you are in a hurry to ask for this fund, and my friend has not had time to do an investigation, so the interest rate must be a little higher than normal. ”

"I understand what Manager Xiao said, I don't know what the other party's interest rate is?"

"I also know a little bit about your situation, and I can be regarded as introducing customers to him, my friend means that it is calculated according to six thousandths, Mr. Chen, do you think it is okay?"

Chen Shuhai thought for a while, and this interest rate is equivalent to a 50% increase in the interest rate of normal bridge funds.

Raising five million in such a short period of time, and borrowing money without investigating and understanding in advance, this interest rate is still not too high.

The key is that you have to pay back today, even if the interest rate is high, you have to grit your teeth and resist it!

"Yes, I wonder when the five million will arrive?"

"My friend is not in Badu now, the contract is entrusted to me to come and sign, I will go back to the bank immediately, and the funds will arrive after signing the contract. ”

"Okay, then I'll wait for you in the office. ”

ended the call and returned to Li Shaohui's office.

"Brother, my unit is in a bit of a hurry, go back first, and I'll come back in the evening." ”

"Okay, you go get busy first. ”

Sitting in the car back, Xiao Fei closed his eyes and meditated.

Chen Shuhai's matter was like a meteor breaking through the sky, opening a spacious door to Xiao Fei's slightly chaotic development plan.

Previously, Xiao Fei's money-making plan only had two clear ideas.

One is that the yellow eel doppelganger traps the yellow eel to make money.

The other is the money earned from the yellow eel clone, as well as the borrowed money, to speculate in Badu.

But this one is risky, and no one can guarantee that house prices will keep rising.

If the house price falls sharply, it will inevitably go bankrupt.

Now, Xiao Fei suddenly found that he had been ignoring a high-yield, low-risk trade.

That's the business of doing bridge funds.

Xiao Fei silently calculated that compared with the funds in the society who have made bridge loans, he has a great advantage.

First of all, I am an insider in the banking system, and I know how to do this, and I belong to my professional counterpart.

The second is the network, although now, I have only been in Huaxia CCB for four months, and the network is not obvious.

However, if it is determined that we want to develop in this area, it is not too late to start accumulating contacts, after all, there are inherent advantages in the system.

Finally, I have to talk about my own school.

Huaxia Renmin University is also well-known in the financial circle of Badu.

I don't dare to say that there are alumni all over the world, but it is absolutely no problem to cover major banks.

If we can fully tap the alumni resources of Badu, it will be much easier to expand the bridge loan business of other banks.

Thinking about it, I returned to the Haizhou branch.

When he came to the marketing department, Chen Shuhai had already taken the two prepared contracts and was waiting for Xiao Fei to sign them.

It seems to be in a hurry!

"Manager Xiao, let's not be polite today, let's do things first, I'll treat you in two days, thank you and Manager Liu for your help." ”

"Okay, Mr. Chen is also a cheerful person. ”

I read the contract once, to be honest, it is very non-standardized, and it looks like a contract that is in a hurry to type it on the computer.

But it doesn't matter, the main contract elements are complete, and the loan will only take a few days anyway.

After signing the contract, Xiao Fei directly transferred 5 million to Zhenxing Food Company.

Coupled with Chen Shuhai's own scraped together of 1 million, he finally got together a loan of 10 million.

The time is just right, if it is any later, it will not be too late to arrive in time, and the consequences will be unimaginable.

Five million were transferred, and only a hundred thousand were left in the account.

Well, there is no upstart confidence again......

The money is still too little!

A lump sum of bridge funds hollowed itself out.

However, this is also a bold attempt by himself, making money is secondary, and the key is to accumulate operational experience.

Because he was in a hurry to go to the banquet, Xiao Fei didn't stay in the office longer.