Liu Maocai nodded frequently, the temptation of this pawnshop is too great.

Zhao Changfeng smiled, lowered his voice and said: "Director Liu, in fact, investing in a pawnshop not only relieves the pressure of maintaining and increasing the value of funds in the fund management center, but also has great benefits to individuals if it is done properly. ”

"Oh, Section Chief Zhao, tell me about it." Liu Maocai's interest has increased by a few points.

Zhao Changfeng said: "All business owners or individuals who go to pawn shops are pawned because they are in urgent need of money, and sometimes they have no money to redeem when the pawn period expires, so they can only pay high interest to renew. There are also some people who simply can't afford the handling fee and interest in the future, and then the collateral becomes dead. ”

"According to the current practice of pawn shops in dealing with dead pawn items, they are sold at their own prices, and according to the regulations, the price is the sum of the cash paid by the pawnshop when the pawnbroker comes to pawn the goods and the comprehensive fees payable by the pawnbroker during the pawn period. There's a lot we can do here. ”

Liu Maocai didn't know anything about pawn shops, and didn't know how promising Zhao Changfeng's "promising" was, so he asked: "Section Chief Zhao, how big is the space here?" ”

Zhao Changfeng laughed and said: "Taking real estate as an example, when pawning, you can only pay the pawn money according to the current market price of four to five percent. If it becomes a dead one, then it means that we can buy the mortgaged property at a 4 to 5 percent discount from the market price. ”

Liu Maocai's eyes lit up suddenly, isn't it, if you can buy a property from a pawnshop at a price of four or five discounts, and change hands, you can at least double the profit, this is 100% profit!

Zhao Changfeng continued: "Since the pawnshop is in our hands, our insiders are the first to get the news when the dead items are sold, and when the time comes, we will eat the dead items with relatively large profit margins, and the remaining dead items with average profit margins will be sold or auctioned publicly." Hehe, in this way, the funds of the fund management center have also successfully achieved rapid and safe value-added, and the cadres in the fund management center have received specific benefits. And there is no legal risk, so isn't it safer than taking the risk of investing in the stock market? ”

"Well, it's pretty safe indeed!" Liu Maocai couldn't stop nodding.

Zhao Changfeng continued: "When the time comes, if there are good dead items, let the bureau leaders buy a few, so that in the performance assessment, whether it is hard or soft indicators in our fund management center, not to mention taking the top few, the penultimate first and penultimate place is absolutely not related to us!" ”

Liu Maocai laughed and said, "Section Chief Zhao, you can draw up a specific plan for this method." The plan should be written in detail, the more detailed the better, and I will go to the top for instructions when the time comes! ”

"Okay, I'll write when I get back!"

"Section Chief Zhao, hurry up, the sooner the better!" Liu Maocai admonished again.

As soon as Zhao Changfeng left Liu Maocai's office, Zheng Xiaojian slipped in.

After a while, Zheng Xiaojian walked out with a flushed face, his eyes full of resentment.

A month later, the leaders of the bureau finally approved the plan proposed by the fund management center to open a pawnshop, but in accordance with the requirements of the bureau leaders, some modifications were made to the plan.

The leaders of the bureau demanded that pawnshops should not be directly opened in the name of the fund management center or the provincial organ affairs management bureau, and that the method of opening pawnshops in joint ventures with other enterprises or individuals should be adopted.

This is mainly to avoid putting the fund management center or the provincial agency affairs management bureau on the cusp. With the current political and social environment, the evaluation of the pawnbroking industry is still very parental, and it is impossible to accept a political axe institution to invest in opening a pawn shop. Although opening a pawnshop is beneficial to both public and private, there is still some work that needs to be done to hide the public's attention. Therefore, it is undoubtedly the best choice to open a pawnshop by means of joint venture or cooperation.

The request of the bureau leader is in the hands of Zhao Changfeng, because Zhao Changfeng and Lin Dongfeng still have 20 million idle funds in their hands and need to find a project. However, the pawnbroking industry implements an access system, and it is very troublesome to apply for approval in the name of an individual. In addition, Cai Sandan's father Cai Guofu is the executive deputy mayor of Zhongzhou City, and Zhongzhou City is under Cai Guofu's rule. Who knows if Cai Sandan will take revenge on Lin Dongfeng after the incident of the last big refrigerator?

Now, if Lin Dongfeng and the fund management center jointly operate or cooperate in running a pawnshop, due to the official background of the political axe department, not only will the approval procedures not be a problem, but more importantly, they will not be afraid of any small actions by Cai Sandan. Even if Cai Guofu is the executive vice mayor of Zhongzhou City, it is impossible to be stupid enough to be the enemy of a provincial organization as a whole, right?

After the opinions of the bureau leaders came down, Zhao Changfeng discussed with Lin Dongfeng and made a decision as soon as possible, and then introduced Lin Dongfeng to Liu Maocai. Liu Maocai investigated Lin Dongfeng's strength and knew that Lin Dongfeng was a real multimillionaire, and Lin Dongfeng promised to give Liu Maocai some dark shares, so Liu Maocai readily agreed to cooperate with Lin Dongfeng.

Since it is a joint venture, of course, the more shareholders, the better. Liu Maocai found another way to pull the leaders of the bureau and the families of the directors of several key departments to buy shares in the pawnshop. Because the return on investment of the pawnshop is extremely high, six or seven times the bank interest, and the safety factor is not weaker than that of bank deposits, those family members are happy to buy shares. Regarding Liu Maocai's small actions, the bureau leaders and the directors of key departments naturally pretended not to know. In fact, it doesn't matter if you know, the family members are neither violating discipline nor breaking the law by doing this, they are not eating dry stocks, but taking out real money and silver funds to invest in the pawnshop, and then dividends will be distributed according to the profits, neither using power for personal gain, nor corruption and bribery. At present, the policy does not explicitly prohibit leading cadres from doing business, so how can the family members of leading cadres make a small investment?

In this way, after careful preparations, Yintai Pawnshop officially opened on December 1, 96. The registered capital of the pawnshop is 100 million, of which the fund management center has invested 80 million, Lin Dongfeng has invested 17 million, and the remaining 3 million are the family members of the bureau leaders, including Liu Maocai.

Zhao Changfeng's shares are actually included in Lin Dongfeng's shares, and the two of them have signed an agreement in private. It's just that in public, in the name of Lin Dongfeng, Zhao Changfeng doesn't want to be exposed.

The legal representative and chairman of Yintai Pawnshop are Lin Dongfeng, but the fund management center has sent a finance minister to supervise the flow of funds. As long as there is a normal flow of funds, the Minister of Finance has no right to interfere.

Considering that Lin Dongfeng was born in border trade and did not understand the operation of financial funds, Zhao Changfeng came up with the idea of letting Lin Dongfeng go to the Bank of China to dig Zhang Yujing. Since Zhang Yujing had no background and had been ostracized by the Bank of China, and hearing that Lin Dongfeng had Zhao Changfeng's dark shares in Yintai Pawnshop, Zhang Yujing jumped ship and became the general manager of Yintai Pawnshop.

As for the other staffing of the pawnshop, Zhao Changfeng also discussed it with Lin Dongfeng for a long time before finally deciding on it. In Liu Maocai's view, Zhao Changfeng has been conscientious and conscientious during this period of time, and after running for the pawn shop, everyone has become black and thin, which is really a model of work for the old lady-style cadres in the fund management center. If all the cadres under his command can adopt such a highly responsible attitude towards the work of the fund management center like Zhao Changfeng, and treat the fund security of the fund management center as their own fund security, then how easy should he, the director of the fund management center, work! It's a pity that I have searched all over the fund management center, except for Zhao Changfeng's crazy work alone, there is no second such cadre!

If Liu Mao had known that Lin Dongfeng had invested half of Zhao Changfeng's 17 million in Yintai Pawnshop, he didn't know how he would feel.

It was not until December 1 that Zhao Changfeng breathed a sigh of relief and resumed his normal rhythm of life and work, but since Yintai Pawnshop and the Business Department of the Fund Management Center were the counterpart units, Zhao Changfeng often visited Yintai Pawnshop to guide the work of Yintai Pawnshop.

Because he had been busy with Yintai Pawnshop in the previous period, Zhao Changfeng rarely had time to accompany Fang Jiayi. Now that Yintai Pawnshop has opened, Zhao Changfeng has returned to his normal rhythm of life and started dating Fang Jiayi again to compensate for the debt owed to Fang Jiayi in the past three months.

Twenty days have passed in a blink of an eye, and seeing that it is almost Christmas, Zhao Changfeng suddenly noticed that Fang Jiayi has become mysterious, and he always laughs for no reason when he sees him, as if he has something to hide from him, and it has been like this for several days.

On the twenty-third day, Zhao Changfeng couldn't help it, and pulled Fang Jiayi, who was smiling secretly, to the side and said, "Jiayi, say quickly, what is there to hide from me?" I've seen that something is wrong with you these days! ”

Fang Jiayi said with a smile: "Changfeng, I originally wanted to hide it from you for another day!" Now that you can see it, I'll tell you. Tomorrow is Christmas Eve, right? ”

Zhao Changfeng said strangely: "Yes, it's Christmas Eve, what's wrong?" ”

Fang Jiayi bit her lip and said to Zhao Changfeng: "I'm going to give you a mysterious Christmas Eve gift?" ”

"A mysterious Christmas Eve gift? Since that rainy night, Jiayi has never let me touch her, could it be that Jiayi is ready to let me ...... on Christmas Eve?"

Thinking of this, Zhao Changfeng couldn't help but feel blood in his body, and his breathing became short!

(To be continued)