"II; Cheng is also half a stamp lover, this is mainly because his wife Ge Er has a wife who is very interested in stamps, he just doesn't want to understand the postal market. His wife's favorite thing is to talk to him about those rare stamps while cooking and eating. For example, what big dragon stamps, or the mountains and rivers of the motherland are red, but in recent years, his wife has hung the most monkey stamps.

Often after two or three months, my wife will tell herself with a look of regret that the price of the monkey ticket has risen again, and how many yuan it has risen, and then there will be a deep confession that lasts for ten to twenty minutes. Regret why she didn't be ruthless back then, and took out a month or two of her salary to buy a batch of monkey tickets, regretted that she didn't buy monkey tickets in many opportunities over the years, otherwise, she is now a rich person with tens of thousands of yuan of family property, etc., etc., etc., listening to him and his daughter are calloused, annoying. However, this also gave him a considerable degree of understanding of monkey tickets.

Gu Yucheng took a general look, the monkey tickets in the bag, roughly calculated, based on the market price of monkey tickets at that time of nearly sixty yuan a piece, Fang Mingyuan said that they were worth 300,000 yuan, which is not an exaggeration. And Gu Yucheng knows that this full-page monkey ticket is rarer and more expensive in the market than those single.

"What's the matter, Lao Gu, this thing is very expensive?" Ma Yongfu was still a little unimpressed at first, thinking that Fang Mingyuan took out a large number of stamps with a face value of eight cents, saying that the market value was 300,000, this is simply nonsense! Instead of taking such a bunch of stamps to mortgage and make others laugh, it is better to simply hurry up and follow the plan agreed upon by himself and Gu Yucheng. Anyway, in the eyes of the provincial leaders, the five million of the Guo family have been received, and Fang Mingyuan will take another two or three hundred thousand yuan, which is nothing. Even if they can't afford to pay back the bank in the future, the government will not suffer a loss compared to the five million. But seeing Gu Yucheng's surprised appearance, Ma Yongfu immediately realized that his cognition might have been seriously deviated.

"It's very expensive, in the stamp market, this eight-point monkey ticket can be sold for nearly sixty yuan, and in the past few years, its price has been rising!" Gu Yucheng knew that Ma Yongfu was not interested in stamps, otherwise the Qinxi Provincial Government would not pack them every once in a while and give them home to please his wife.

"Sixty yuan?" Ma Yongfu gasped and exclaimed in surprise, he even wondered if he had heard the difference, a stamp with a face value of no more than eight cents was actually sold for sixty yuan, an increase of nearly a thousand times!

"Sixty dollars, no less. And it may rise in the near future!" Gu Yucheng said categorically. He looked at Fang Mingyuan in surprise. How can there be so many monkey tickets in the hands of young people this year?

"President Gu, it seems that you still have some understanding of the market of monkey tickets, I plan to use this as collateral to borrow 200,000 yuan in your bank, I don't know if President Gu can agree?" Fang Mingyuan smiled, "I think with President Gu's knowledge, I should naturally understand that this is a transaction that only makes money and does not lose money, and with the current upward momentum of monkey tickets, it will only become more and more valuable." ”

Gu Yucheng thought about the electric turn, and indeed as Fang Mingyuan said, this loan is absolutely profitable and loss-free for Bank of Communications. Monkey stamps are now almost out of the mail market, the market will eat as much as you want, and you don't have to worry about sales at all. And the momentum that has been rising all the time has ensured that its value will certainly continue to increase in a short period of time, and the collateral with a market value of 300,000 yuan will only be loaned 200,000 yuan, so what is there to worry about? The only thing that makes Gu Yucheng hesitate a little is that if this loan is completed, will it be the first large-scale mortgage loan in the history of the Republic of China in the true sense of the word? If this is the case, what will be the impact of the Bank of Communications on the minds of the people of Fengyuan?

"Do!" Gu Yucheng plans to let go, now that he has collateral, what else do he have to worry about, this can be regarded as developing new businesses and expanding the market.

Comrade Xiaofang, if this is your insistence, then of course I have no opinion. However, I am afraid that these monkey tickets are more than 300,000 yuan, but you only plan to borrow 200,000 yuan, why is this?" Gu Yucheng patted the monkey ticket in his hand and said with a smile.

Fang Mingyuan's heart moved, the reason why he did this was actually influenced by his previous life, this kind of collateral loan, in the bank, it is rare to be able to borrow the full amount, and it is generally discounted by twenty or thirty percent.

It was the first time he cooperated with Bank of Communications, so Fang Mingyuan also automatically discounted the amount of the loan. Of course, this is also because with 200,000 yuan, it is more than enough for Fang Bin's expansion in Pingchuan County, and in another half a month, the funds that bypass Hong Kong can be entered, which greatly alleviates their capital: 22. But looking at Gu Yucheng's appearance, it seems that he intends to borrow more money to himself!

"Isn't this afraid that President Gu will be difficult for you? Bi Huan is an emerging business, leaving room for you, and it is also for us to ask for a convenient loan!" Fang Mingyuan smiled, "It will also avoid excessive pressure on President Feng in the future." Since Fang Mingyuan plans to cooperate with the Bank of Communications for a long time in the future, this business is naturally to be done beautifully, so that people can't say that it is not the slightest bit wrong.

Gu Yucheng couldn't help but daxiao: Comrade Xiao Fang's consideration in all aspects is really thoughtful!"No wonder that Mrs. Guo likes this young man so much, who will take the initiative to stand in your position and leave room for you everywhere, who can not like it?"

Gu Yucheng pondered for a moment and said: Comrade Xiaofang, this way, I will lend you 300,000 yuan for these monkey tickets, according to the market price, I can probably take advantage of you a little bit. If the market price of monkey tickets rises sharply in the future, we can also take out additional loans. Then I will lend you another 100,000 yuan for a three-year interest-free loan, the provincial government and Director Ma's face, with them as a guarantee, I believe in your ability to repay, and it can also be regarded as my small thanks to Comrade Xiaofang for his guidance in the business hall. Here's how to do it. What do you think?" Such a smart and witty young man, with the favor of the leaders of the provincial government and the support of the Guo family, can be said to have an unlimited future in the future, and he has a good relationship with him now, whether it is public or private, there is no harm in the slightest. Besides, this money, the vice president of one of his branches, still has this power.

"Since Governor Gu has said so, then we are naturally respectful rather than obeying. Fang Mingyuan pondered for a moment before smiling. Although he didn't want the 100,000 yuan loan later, he repeatedly refused. I'm afraid it will cause dissatisfaction with Ma Yongfu and the relevant leaders of the provincial government, anyway, I don't plan not to pay it back, and I will pay ten thousand yuan for three years of interest in exchange for my own idea below.

"It's just that I have a small request, for these collateral, I hope your bank can take good care of them. Don't make any mistakes. Although they are only worth 300,000 today, I believe that they will not be in three years. They are worth one and two million!" Fang Mingyuan said solemnly. In his previous life, there were many reports of damage to the collateral due to poor bank custody, so he had to warn Gu Yucheng cautiously about this.

Ma Yongfu, Gu Yucheng and Fang Bin, who were present, couldn't help but be taken aback, although they had just heard Gu Yucheng say it again and again. At present, the price of monkey stamps is very good, but none of them thought that these stamps would be able to quadruple in three years at today's high level of 60 yuan. Although the three of them were a little incredulous, Fang Mingyuan's words had a bit of undoubted meaning.

Comrade Xiaofang, you can rest assured that our vault has a constant temperature and humidity, and is heavily guarded, and there will be no accidents. I also have some experience in collecting and keeping stamps, so you don't have to worry about them being damaged here. Gu Yucheng could understand Fang Mingyuan's mood. The same is true for my wife, those stamps have to be carefully collected, and I have to carry my heart every once in a while.

And Fang Mingyuan's words also explain that Weishenme did not sell these stamps in exchange for funds, but chose to take out a mortgage. If it is really as he said, then it is indeed a bit of a loss to make a move now. This made Gu Yucheng's heart feel more reassured. At the same time, I was secretly pondering. Why don't you take out a sum of your savings and go to the stamp market to buy some monkey stamps and come back, and quadruple them in three years, which is faster than any transaction?

The next thing is simple, in Gu Yucheng's office, the staff of the credit department drew up a contract on the spot, using these monkey tickets as collateral, Fang Mingyuan officially borrowed 400,000 yuan from the Bank of Communications, of which 300,000 yuan enjoyed the lowest interest, and the other loan of 100,000 yuan was to enjoy a three-year interest-free loan. At the same time, according to Fang Mingyuan's request, a confidentiality clause was added to the contract. For this business, Bank of Communications can publicize it, but it must not disclose the truth of the collateral, nor can it reveal Fang Mingyuan's identity.

When the two sides completed this series of work, Gu Yucheng stood up and said sincerely: "Comrade Fang, I hope that this cooperation is just the beginning, and you and I will have better and more opportunities for cooperation in the future!"

Fang Mingyuan also stood up and said with a smile: "President Gu can rest assured that once a man identifies a certain brand, he will be more loyal than a woman who pursues fashion." ”

All four of them couldn't help but laugh.