I'm cāo, we've just met, and it's not good to say that. Huang Wenbin looked at Fang Tianhe, what is going on with this Director Ma? Drawing flatbread is something that everyone knows, but you can ask for fertilizer, which can only be done after mutual trust, how can you tell it when you meet for the first time.

"Teacher Ma is his own person, and he has always spoken directly." Fang Tianhe said.

"Yes, that's how I am, I'm open to anything." Director Ma said, "Unlike other people, you can't get a project out of a year or two in secrecy. Why do you think we can give money to local forces to win them over, but not to our own people? It doesn't make sense, does it? We have done such a great thing for the country, so naturally we should be compensated accordingly. ”

"Yes." Huang Wenbin was still a little hesitant.

"Boss Huang has never done such a big project before, and he may still have some doubts. It doesn't matter, you have to eat the meal bite by bite, and the money has to be borrowed one by one. Director Ma picked up the feasibility study report, "You want to borrow three billion here, right, I can give you two billion first." ”

Two billion is enough, Huang Wenbin breathed a sigh of relief, "That's best, I'll pick it up and test it first, and then start the follow-up plan if I can." "Forget about the follow-up plan or something, Huang Wenbin can be a rich man in China, and he is really powerless to go to Myanmar to engage in such a big project.

"Yes." Director Ma said, "How are you going to pay for all this money?" ”

"I want to hit my account in China first." Huang Wenbin said, "Because there are a lot of things that have to be purchased domestically. ”

"That's fine." Director Ma said, "When the time comes, I will ask for US dollars, and I will exchange them with you." ”

So easy to talk to? Huang Wenbin will be suspicious, "Aren't there any other conditions?" I don't have enough collateral in my hand. "Now Huang Wenbin has all the money he can exchange for money, and he really doesn't have enough collateral, so he has to find this kind of policy loan. If the collateral is sufficient, just smash the mortgage over, and you can't borrow much money.

"Mortgage? I don't want a mortgage. As long as you end up using the money for this project. Director Ma said.

In the end, that's easy. Huang Wenbin nodded hurriedly, "Then it's troublesome Director Ma." ”

"I'll go back and help you change this feasibility report, and I'll help you get the other formalities right." Director Ma smiled and said, "This money will arrive soon, and it will be a very preferential interest." Remember, I don't care what you do with the money in the middle, and in the end, you have to invest a lot of money in Myanmar. ”

"This one will definitely be." Huang Wenbin said that he would use it for a few months anyway, and then return it. On the Myanmar side, you can just make a show, the ore for daily necessities will definitely succeed, and the establishment of a timber processing plant will definitely fail, so it can be regarded as having a 50% success rate, which is very good.

"Then I'll go back first, if there is anything to call me......" Director Ma suddenly remembered something, "By the way, although it is a rule that everyone knows, but it is the first time you have done it, let me tell you." I wrote an application to borrow 2 billion, but the top may not approve 2 billion, and the specific amount depends on luck. ”

"Of course we know that." Fang Tianhe said, "But if Mr. Ma goes out, he will definitely give face." ”

"Face? Where is the value of face now, all the people above have changed, and no one wants two dollars or a pound of my face. Director Ma stood up and stuffed the report into his briefcase, "Okay, you guys are busy, I'll go back to go through the formalities for you first, I hope this cooperation can be successful." ”

As soon as Director Ma was sent out, Huang Wenbin couldn't help but complain to Fang Tianhe: "Why did you invite such a great god?" ”

"It's your luck." Fang Tianhe said, "I didn't expect Mr. Ma to come to the loan department as a deputy director at this time, and he is still in charge of Southeast Asia." If it weren't for that, you wouldn't have gotten a CDB loan at all. That's a real low-interest rate loan without any troubles, and I don't know how many people want to borrow but can't borrow it. I don't even know what to say, you're really unlucky. When heaven and earth are all working together, I am about to die of jealousy. ”

"Director Ma knows the situation in Myanmar too well! We can't brag well. Huang Wenbin said.

"So you don't know anything about banks." Fang Tianhe said, "How did the cow blow? It's not that we blow to the clerks of the loan department, but that we blow it to the bank together with the loan department. The people in the loan department have been crawling in the corresponding industry for decades, and they are fine, what can you hide from them? The provincial capital is a big foreign trade city, you can go to a bank at random, no matter what kind of small bank, the loan department can find at least ten or eight foreign trade experts, many of whom are more powerful than your foreign trade company. ”

Huang Wenbin thought about it, he also received people from the bank loan department in his previous life, and when it came to foreign trade, he knew what was going on when he looked at the materials, and he couldn't even guess what was in it. It turned out that Huang Wenbin thought it was an example, but today I heard Fang Tianhe say this, is it a common phenomenon?

After the crossing, Huang Wenbin didn't borrow much money, but often saved money, and most of the people he saw were account managers who pulled deposits. There are few people in the loan department, so it seems that they will need to see more in the future.

"Therefore, if you want to borrow money from the bank, you must cooperate with the loan department, especially those who are tired." Fang Tianhe said, "For example, we are taking out this loan now, what is the situation in Myanmar, you know it, Director Ma also knows, all the bank loan department managers who will approve loans know, even if they really don't know, won't they ask their peers?" This kind of thing has always been concealed from the upper and lower levels. Those who cheat on loan managers never end well. The right thing to do is to work with a loan manager. ”

"Scam the bank together?" Huang Wenbin asked.

"Don't lie or cheat so ugly," Fang Tianhe said, "and make the materials together with the loan manager, so that the materials can be written seamlessly." How are you proficient in the business and can not compare to the people inside the bank? Originally, Director Ma audited, and he came to write the materials to be foolproof. ”

"I see." Huang Wenbin then understood, it seems that he was worried in vain just now, if it weren't for Fang Tianhe, his little trick would be really ridiculous and generous, he was afraid of his son seriously in everything, and it was really not good if he hadn't studied it seriously, "That...... How much does Director Ma charge? ”

"Generally, it is 2%, and in the past, it was paid to the consulting company according to the consulting fee, and then the consulting company gave it to Director Ma." Fang Tianhe said, "But maybe, they just checked the consultant fee a while ago, maybe there are other names to collect money now, anyway, it's almost this amount, and then he will say how you cooperate." ”

2%, 2 billion is 40 million, this job is really profitable. However, Huang Wenbin is not qualified to say that others, he is more profitable than others by speculating in land, and others have to bother to report it, so he just needs to go down casually, and then sign the text written by others, and he can make a lot of money. There is only one small difference - what Huang Wenbin did was legal, and what Director Ma did was illegal.

"Won't there be any problems?" Huang Wenbin asked.

"Don't worry about this, he's more careful than you." Fang Tianhe said.

Huang Wenbin still felt uneasy, he had never given a bribe so directly. It's one thing to ask someone else to help reasonably and legally within the scope of their duties, and then give some thank-you gifts; However, it is another matter to give 40 million yuan to the director of the bank's loan department to get 2 billion yuan for himself. If it is found out in the future, it will be a blatant violation of the law.

"Can you use more covert and legal means to thank Director Ma?" Huang Wenbin asked, "For example, sponsor Director Ma's son to study in the United States or something." Shishi has a house over there, which can be lent to Director Ma's son and daughter for free. ”

"Director Ma has no children and no daughters." Fang Tianhe said.

"That'...... And what about his wife? And parents. Huang Wenbin asked.

"His parents died, his wife divorced, he didn't have any relatives, and now he lives alone." Fang Tianhe said.

"Then what's the use of him making so much money?" Huang Wenbin is strange.

"I don't know." Fang Tianhe said.

"Why don't I send him a few pieces of jadeite? When the time comes, it will be said that the original stone was unraveled. Huang Wenbin said that jade, jade, antiques, lottery tickets, these are very useful gifts. If someone is very lucky, buy a lottery ticket and win 5 million, buy a rough stone to solve it and it will rise, buy an antique and check for leaks, either it is through or it is an official.

"Don't mess around, there are rules in the industry, Director Ma will naturally tell you what he wants, and it is rude for you to take the initiative to mention it. People are making money, and how to collect money is a big expert, and I don't know how subtle the method is. How can you send jade directly so rudely. Fang Tianhe said.

But Huang Wenbin just didn't feel at ease, when he fought tigers in his last life, it was not only civil servants who fell off the horse, but also a lot of banks were arrested, and there were many loans among them. This Director Ma seems to be very shrewd and capable, and he is doing foreign-related business, and the danger is not so great, but no one can guarantee whether it is or not, in case he is arrested, maybe Huang Wenbin will be affected.

But Huang Wenbin needs these two billion now...... Or if you can get two billion somewhere else, you don't have to take this risk. "Sister Fang," Huang Wenbin said, "Director Ma also said just now, we may not be able to get a loan of two billion, we have to think of something else." ”

"Director Ma is a veteran employee, and the boss values him very much, so there will be no problem." Fang Tianhe said.

"This is the biggest gamble of my life, and I usually can't do it." Huang Wenbin said, "It must be foolproof. ”

"What you said also makes sense, if you don't succeed by two or three hundred million, don't talk about you, I will regret it for life." Fang Tianhe said, "CDB is not an ordinary commercial bank, it does not account for the quota, and I can still make five or six billion yuan in my relationship with the bank, but the interest will be a bit high, and it cannot be compared with CDB." ”

"That's for the best." Huang Wenbin said, "The interest rate is high, the safety of the funds is the most important, take the money down first, I will use it soon." In addition to these five or six billion, I also have a business, and I may be able to borrow some money. ”