Jia Yunmao thought about the time of a day and a night.

When Liao Fanmin came to the company, he was directly brought into the chairman's office by Qin Yuhua.

Jia Yunmao looked at the energetic Liao Fanmin, he didn't speak for a long time, he barely slept last night, Liao Fanmin's proposal he already understood the meaning, that is, to bet that the ruble will depreciate sharply, and the period of this depreciation is about two years, and now the exchange rate of the ruble against the US dollar is about five to one, that is, five rubles to one dollar, if you rely on the right of import and export agency, entrust a foreign cooperative company to loan rubles, exchange dollars at market prices, and wait until the ruble depreciates sharply, and then return the bank rubles, then it will really make money。

But will the ruble depreciate, and what if not.

The interest rate on loans from foreign banks is two points, that is, if you borrow 10,000 rubles, you need to pay 200 rubles of interest per year, and if you borrow 1 million rubles, you need to pay 20,000 rubles of interest, and the exchange rate between the ruble and the yuan is close to one to one, and the price of the ruble is relatively higher.

According to Liao Fanmin's suggestion, Jia Yunmao must not only borrow 1 million rubles, but at least 10 million rubles before it can be regarded as a loan, so that the annual interest paid will reach more than 200,000 yuan, which will be close to 500,000 yuan in two years.

This is not a small amount, and in case the ruble does not depreciate by then, the company will suffer significant losses.

There is also a loss, that is, the loan of 10 million rubles, after being converted into dollars, will not be transferred, stored in the company's account, and will not be able to play any benefit.

If calculated according to the benefits generated by the circulation of money, the total loss of a loan of 10 million rubles in two years is more than one million yuan, which is difficult for the company to bear.

Besides, Liao Fanmin did not study economics, how did he know that the ruble would depreciate.

"Liao Fanmin, can you give me a reasonable explanation for your suggestion yesterday. ”

"This is my judgment, if the chairman can trust it, then do it, if he can't believe it, then don't do it. ”

"But it's just your judgment that the company will be burdened with more than one million yuan in two years. ”

"Maybe not two years, one year is enough. ”

"You're so sure. ”

"Chairman, I said it, this is my judgment. ”

Jia Yunmao has been staring at Liao Fanmin closely, and from Liao Fanmin's surprisingly calm, he seems to have been reminded.

Standing up, Jia Yunmao walked in front of Liao Fanmin.

"Okay, I believe you, but the company has the rules of the company, we have to sign a contract, if the business makes money, you can get a 20% commission, if the business loses, you have to bear 50% of the loss... ”

"I am willing to sign a contract with the company, but how can I guarantee that the company is really willing to lend money, and what is the amount of the loan... ”

"Since the company has signed a contract with you, then you can participate in everything, I can tell you that New Century Co., Ltd. can not directly borrow from foreign banks, which requires the company to contact foreign manufacturers to help coordinate, the procedures are very complicated, even if you start to operate now, it will take one to two months at the earliest, and the loan term can be two years. ”

Speaking of this, Jia Yunmao looked at Liao Fanmin.

"My plan is to borrow 10 million rubles, this amount is not very large, foreign manufacturers can also accept it, and they are not willing to coordinate from it, this matter is said to be the most suitable for you to come forward, but you have to go to class, there is no time, didn't you say yesterday, recommend someone to me, I agree with you to recommend a person, as your representative. ”

"I will personally grasp the loan matter, and no one else in the company will be involved, including Xiaoxing and Assistant Qin, I don't know, the person you recommended will do this with me. ”

"The contract you signed with the company, and I signed it with you on behalf of the company, you have to remember, whether it is a year or two years later, once the company loses, you may have to pay a lot of money, if you can't take out this money, then you have to do things in the company in the future, until you make up for the company's losses, including after you graduate from college... ”

Liao Fanmin's expression was very calm.

Jia Yunmao is indeed courageous, when he said the amount of the loan of 10 million rubles, Liao Fanmin had already calculated in his heart, the various expenses of the loan are estimated to account for 10 percent of the total loan, that is, 1 million rubles, if the 1 million rubles are lost, Liao Fanmin, who bears 50 percent of the compensation, needs to come up with nearly 600,000 yuan.

Judging from today's salary, this is a huge amount of money, and ordinary people dare not think about it.

If it loses money, the New Century Company will also suffer a loss, and the company must bear 50 percent of the loss.

That is, for more than a year, doing such a big gamble, ordinary people can't make up their minds.

Liao Fanmin made a decision because he mastered the future.

Jia Yunmao made a decision, it is the ambition of a businessman, no wonder he was able to create a New Century Limited Liability Company.

The dare to do is undoubtedly revealed at this moment.

Liao Fanmin must have made money, the Asian financial turmoil hit Russia was huge, the price of the ruble fell all the way, and by 1999, the exchange rate between the ruble and the dollar fell from five rubles to one dollar to ten rubles to one dollar, and the exchange price on the black market was even higher.

Now a loan of 10 million rubles can be exchanged for 2 million dollars, and in a little more than a year, with 1 million of the 2 million dollars, it will be possible to repay the loan of 10 million rubles, as well as all expenses.

Of the remaining nearly one million US dollars, according to the contract, Liao Fanmin can get 200,000 US dollars, which can be converted into RMB, which is 1.6 million yuan.

Earning so much money in less than two years, for Liao Fanmin, it used to be just a fairy tale.

What's more critical is that after the success of this matter, Jia Yunmao, who has received huge benefits, will have a fundamental change in his opinion.

"Chairman, I'm willing to sign the contract, it's just that the person I recommend, I'm not familiar with these businesses for the time being, I'll explain it to him, but this person has a simple personality and can definitely be trusted. ”

"I don't care who you recommend, the person you recommend is on your behalf, since you have signed a contract with the company, it is to do business with the company, and you have to take responsibility for success or failure. ”

"I understand, I have two demands, first, the loan of 10 million rubles, which must be used in full for the purchase of dollars, as for the expenses needed in other aspects, it is paid from the company's expenses, and the loan cannot be used, and the second condition, this matter must not be leaked within the company, only the chairman and I know. ”

"No problem, let me add, the person you recommend, you don't have to come to the company to work, the company is responsible for all its expenses, but the salary is borne by you, in the contract we signed, this will be clear, because the person you recommend is working on your behalf, so the company will not pay wages. ”

When he put the signed contract into the safe, Jia Yunmao's hand trembled slightly.

He has prepared for the worst, that is, to lose nearly one million yuan, maybe he is crazy, but another voice always reminds him that Liao Fanmin is an absolutely extraordinary talent, if he can retain such a talent with one million yuan, the value created for the company in the future will definitely be more than one million.

To do business is to gamble.

The Korean won and Hong Kong dollars on the company's books have all begun to be sold, and they have been converted into US dollars at the current exchange rate.

Jia Yunmao went to the bank to do this, although the exchange rate is slightly higher, but rest assured, if you are in the private trade, after being deceived, there is no place to find it.

As for the loan of 10 million rubles, Jia Yunmao is still confident, for New Century Co., Ltd., 10 million rubles is not a huge expense, not to mention that even if it is two years, this money is still in the company's specific account, and the loss is nothing more than the loan interest and many expenses that need to be paid.

"Liao Fugui, if you want, come to Nanhua City in December, you can enter the company to do things, the monthly salary is temporarily determined to be 1,000 yuan, if you do a good job, you can increase your salary in the future... ”

Liao Fanmin said very simply, he knew very well that the person who led this business was Jia Yunmao, even if Liao Fugui did things on his behalf, he would not play a decisive role, it was very likely that the loan would be done, Liao Fugui didn't know anything, unless he was directly involved in it, he could seize the opportunity.

According to Liao Fugui's knowledge, it is impossible to understand these things in a short period of time, and from the reality of the situation, Liao Fugui is not a talent for business, as for how it will develop in the future, it is difficult to predict.

But Liao Fanmin has a promise, and he must fulfill it.

And Liao Fanmin believes in his own vision, Liao Fugui is a simple person, once he is moved, he will give up his life, and he will also safeguard the interests that should be maintained, and with the progress of society, there are fewer and fewer such people, even if there is, Liao Fanmin will not meet it.

Liao Fugui's salary expenses are not very large, 1,000 yuan per month, plus bonuses, less than 30,000 yuan in two years, and following Jia Yunmao out, Liao Fugui can also receive some business trip subsidies, as for life, Liao Fugui lives in a rental house, the rent fee is borne by Liao Fanmin, and meals can be done in a rental house, which is much cheaper.

Liao Fanmin can be sure of one thing, once this business is completed, then Jia Yunmao will bear all the expenses he takes out without hesitation, after all, Jia Yunmao earns the most money.

This business must be profitable, Liao Fanmin has 100% confidence, and this is also the first pot of gold that Liao Fanmin has picked up since his rebirth, with this capital, the choice in the future will be much broader, otherwise there is no money in his hand, even if he has a priceless gold idea, he is also sighing.

As for what exactly to do in the future, Liao Fanmin has not yet been completely determined.