Governor Li came with a document bag and went with a document bag, but from beginning to end, he did not get Qiao Gong's name, let alone submit Qiao Gong's carefully made and signed deposit certificate documents. Pen "Fun" Pavilion www.biquge.info

He watched Yang Rui take pictures with Qiao Gong, and listened to Qiao Gong's various praises and evaluations of Yang Rui - although it was only a few people who met, Governor Li knew very well that these details would eventually be passed out.

Even if others don't say it, he can't help but brag at the banquet table, not to mention, if Qiao Ban doesn't get it right, he will write it into Qiao Gong's "living note".

This made President Li a little stunned, although he is a department-level cadre, however, the department-level cadres of the bank, he can see Qiao Gong once in his life, it is already the opportunity to worship the Buddha 3,000 times, and he kneel for 200 miles, and he does not expect to get the evaluation of "talent" or even the promise of "showing his talent", but it is also good to be able to register once.

The moment he walked out of the reception room of Mr. Qiao, President Li was extremely remorseful, he knew that he should have been more fully prepared, at least in terms of clothing; he had known that he should put more effort into Yang Rui, and asked him to say something good, I am afraid that it would be more useful than working hard for decades; I knew that I should have shouted when I was leaving, I am Li Zhongxue of the People's Bank of China!

"Governor Lee. Director Hu's voice, like a thunderbolt, sounded in the ears of Comrade Li Zhongxue.

Li Zhongxue turned around as fast as he could in his life, showed a clear smile, and greeted: "Director Hu." ”

"Governor Li, please wait a minute. ”

Director Hu's voice sounded so warm to President Li.

Governor Li couldn't wait to say, "I'm here ......"

A completely unnecessary word, but this was already something he could not hold, otherwise, he would like to call out what he thought in his heart now: Qiao Gong, please call me, Qiao Gong, please ask me to go back and ask.

"Gong Qiao......" Director Hu spoke.

Governor Li's eyes lit up.

"Qiao Gong...... I need some information here. Director Hu pointed to the document bag in President Li's hand.

"Oh...... Oh!" Governor Li lowered his head before noticing the document bag he was carrying, and he hurriedly handed it out and bent over.

"Thank you. Director Hu thanked him politely, and before leaving, he instructed: "President Li, when Yang Rui is doing loans and other matters here, please take more pain, and in line with the policy, the interest rate should be as low as possible, and the term can also be set longer, and the conditions will be more lenient." After all......"

Director Hu pondered his tone and said, "Comrade Yang Rui, he has already paid a lot, even if something doesn't go well, he can't be in debt...... We can't let the soldiers shed blood and tears, and we can't let the scholars who do research let them bear the unspeakable burden while they carry the fate of the nation on their backs......

At these words, Governor Li was full of emotion and frightened, and he said carefully: "Don't worry, I will definitely study the policy carefully and give the appropriate loan plan as much as possible." ”

Director Hu smiled slightly and said, "Then trouble President Li, about Yang Rui's side, you can contact me if you have anything." ”

Then, Director Hu handed a business card to President Li.

President Li couldn't wait to jump up, and stood with his hands tied up and sent Director Hu out of the door.

Trotting to the parking lot, Governor Li got into the car a little out of breath, and then looked at Yang Rui, his expression refreshed into a smiling face again, as if it had been restarted.

"Director Yang, what do you want in terms of loans?" Governor Li asked in a low voice as he waited for the car to start.

Yang Rui was a little amused and asked, "What are the requirements of the bank?"

"According to the loan interest rate implemented after August 1, 85, the annual interest rate of the current half-year working capital loan is 7.92 percent, but it can only be borrowed for one year. If you use a fixed asset loan, the time will be longer, from one year to ten years, but the interest rate will become higher, one year is 7.92, three years is 8.64, and more than 10 years is 10.8%......" Governor Li looked at Yang Rui cautiously and said: "This annual interest rate is stipulated by the state, although it can be reduced a little, but it is not much." ”

Yang Rui nodded "En", nothing changed.

President Li didn't understand Yang Rui, and quickly explained: "The current interest rate on fixed deposits is 7.2%, which means that a one-year loan will pay 0.6% more interest a year, a three-year loan will have to pay 1.4% more, and a ten-year loan will be even more powerful, and an annual interest rate will be 3.6% more." ”

"Yes. ”

"If you borrow 100,000 yuan, and the interest is more than 1% a year, you will need 1,000 yuan more!" said Governor Li solemnly.

For people in the 80s, 1,000 yuan cannot be said to be a small amount of money, which is equal to a person's salary for a year.

Yang Rui still nodded and said, "I understand." ”

As a hidden multimillionaire, Yang Rui is not afraid of the interest of a small amount of money of 1,000 yuan and 20,000 yuan, and besides, the current bank interest can be regarded as a conscience.

The interest on a three-year loan is only 1.4 more than the interest rate on a fixed deposit, which is unthinkable after 30 years.

The banks of later generations are eager to make two or three times the difference.

It is a wealth management product with a slightly higher interest rate, and it is also a lot of cash, which is full of fun.

If inflation is taken into account, bank loans in the 80s were basically free gifts, and one of the purposes of Yang Rui's loan request was the same.

Of course, if there is no special way, there is no room for Yang Rui to take out a loan now.

Although the era of banks rushing to borrow is not over, it is already more difficult to borrow highly.

Governor Li was a little helpless, and said: "My idea is not to proceed with a 10-year loan, of course, I am not saying that the borrowing time cannot be long, but according to the 10-year loan, the interest will be too high." Instead of that, it's better to take out a one-year loan first, and then I'll help you change to a long-term loan. Of course, this will not guarantee the time, but it is still no problem for three or four years, and you can save a lot of interest, such as you have to borrow 100,000 yuan. ”

"1 million. ”

"Huh?"

"I'm ready to take out a loan of 1 million. Yang Rui replied.

President Li was a little frozen, although he was the president of the branch, and he also approved a loan of one million yuan, but this amount is okay for the enterprise, is it compliant for the laboratory?

Governor Li himself can't say, after all, there is no such precedent.

However, recalling what Director Hu said, people spoke on behalf of the prime minister, so how could Governor Li refuse Yang Rui.

He pinned his hopes on Yang Rui to dispel his mind and said, "If it is 1 million, the interest is very high." It's not impossible to do it without collateral......"

"I have collateral. ”

Governor Li smiled and said, "1 million collateral is a lot......

"I bought about 100 sets of courtyard houses, plus some stamps and paintings. ”

Governor Li was on the verge of downtime again, and asked, "How can there be so many 100 sets of courtyard houses?"

"When I got the money, I didn't know what to do, so I bought something. "Yang Rui has a young and willful expression.

Governor Li moved his mouth and admitted: "The courtyard house is indeed not easy to sell, if there are 100 sets, it is more than enough to make a mortgage of 1 million." ”

"Of course, it would be nice to have more. Yang Rui hit the snake with the stick.

Governor Li nodded and asked, "How much do you think you want?" ”

"The more the merrier. ”

"Okay, I can guarantee a loan amount of more than 2 million yuan. President Li agreed very happily, and after that, he still couldn't help but say: "100 sets of courtyard houses are too much." ”

"yes, I bought it when I bought it. ”

"Is it easy...... President Li shook his head and persuaded: "I helped you get a mortgage first, and if you have time later, you should sell the remaining courtyards, now the country is engaged in construction everywhere, and more and more houses are built, and everyone wants upstairs and downstairs electric lights and telephones, and it will be more difficult to sell the courtyard in the future." ”

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