Chen Guan drove with Xue Ming, first went to the business department of the CCB where the gold smelter opened an account to go through the procedures of check transfer and bills of exchange, and by the way, he applied for the CCB Dragon Card, and deposited all the 229,200 yuan of change settled from the gold smelter into his own Dragon Card, and then went to the Binhe District Credit Cooperative, and turned the 147,000,000 yuan transferred to the Binhe District Credit Cooperative into a passbook.

The funds were too large, and Chen Guan made three passbooks, one of which was a five-year passbook of 2 million yuan, which was a condition for Bai Aiyue and Bai Aixiao to work at Binhe Credit Cooperative. Chen Guan originally wanted to make the passbook directly Bai Aiyue and Bai Aixiao, but considering that the two of them were going to work in Binhe Credit Cooperative, they had such a huge deposit in their names, which was easy to make other employees think about it and cause trouble, so the name of the passbook was still the name of Chen Guan's mother, Zheng Yulian. A full 100 million yuan was deposited in the second passbook, and the name of the account was still Zheng Yulian, Chen Guan's mother, and the money was intended to be used to invest in Hechuang Real Estate. Once Gao Qun's Longteng Real Estate asset appraisal is completed, the money will be transferred to Hechuan Real Estate as registered capital. The third passbook is 45 million yuan, and the name of the household is also the name of his mother Zheng Yulian. As for the funds for the construction of the gold smelter of Jinyangshan Mining Co., Ltd., Chen Guan did not consider it for the time being, and the matter could not be determined until he finished the training camp and returned to Mingshui. And even if he may go on a mission and can't return to Mingshui for a long time, let Xu Cunren and them go directly to the construction, there is no problem, the Dongtonghua concentrator is producing every day, and the profits generated are enough to support the construction of a small concentrator.

Chen Guan's current financial management idea is very clear, that is, the money from the Yangshan Gold Mine is at his personal disposal and is used for investment projects. The operating income of Dongtonghua concentrator is left in the account of Jinyangshan Mining Co., Ltd., the tax declaration of the tax return, the salary of the employees, the management fee of the Tonghua Town, the remaining profit to the end of the year, if you need to withdraw the investment, you will invest in the name of Jinyangshan Mining Co., Ltd. As for Wulongyu Tourism Co., Ltd., it is in the stage of investment in the construction of scenic spots in two or three years, and it has to pay dividends to shareholders from operating income every year.

After completing the deposit receipt, Chen Guan asked Xue Ming for the recruitment procedures of Bai Aixiao and Bai Aiyue, and after reading it, he saw that it was indeed a national worker, and the Binhe District Labor Bureau had already stamped it, so he was relieved, and told Xue Ming to send someone to send the procedures to the Longwan Town Police Station, and he could not delay the procedures for converting agriculture to non-agricultural affairs tomorrow.

After Xue Ming agreed, Chen Guan asked a very idiotic question, that is, will the credit union lose money if it gives such a high interest?

Xue Ming laughed when he heard this, saying that Chen Guan didn't understand finance. Now that the economy is gradually recovering, there are more enterprises and individuals in need of loans, and the banks will absorb the interest of one or eight cents, and the interest will inevitably exceed one or eight points, and the interest difference in the middle is absolutely guaranteed. That's it, as long as the loan is granted, those enterprises and individuals who are in urgent need of loans are grateful to Dade and fight for the head. You must know that it is normal for the interest rate of private usury to be five cents or one dime!

As soon as Chen Guan heard this, he knew that he would not be able to endure such high interest rates for long, and at a certain time, the state would definitely have to rectify the financial order, and at least it would be impossible for state-owned banks to have such high interest rates as eight cents or eight cents.

Chen Guan asked Xue Ming again, if the state does not allow high interest rates, can the interest on his deposits still be guaranteed?

Xue Ming replied that the state has never allowed high interest rates, and the interest rates set by the People's Bank of China must be implemented throughout the country. However, there are special circumstances of specific operations, the monetary market is tight, the deposits are not enough to meet the needs of the loan market, and what should we do if we do not rely on high interest rates to collect savings? Moreover, banks must be creditworthy, and every deposit is actually a commercial contract that must be enforced. For example, Chen Guan's deposit is now set at an interest rate of one and eight points, and as long as it does not mature, he must pay one point and eight points of interest. Otherwise, who will make a deposit?

Chen Guan didn't believe it, so he asked: "The state doesn't allow high-interest savings, that is to be audited and inspected, and banks dare to pay high interest?" ”

Xue Ming knew that Chen Guan was not at ease, so he replied that if the state strictly prohibits high-interest savings, all major banks would have to enforce it, and credit cooperatives would be no exception. However, credit cooperatives are still different from major commercial banks in that they are relatively flexible in their operations, and they can make up for the losses outside the embankment and make up for the losses of depositors with their operating income. Of course, it is not excluded that the high interest rate will have to be interrupted under the strict policy.

That's right!

Chen Guan thought that no one could resist national policies, and credit unions were no exception. You still have to invest money in the project, and eating high interest rates is actually a stupid way.

All the transfer and deposit procedures were completed, and it was already 3 o'clock in the afternoon. Chen Guan still had dinner in the canteen with Jin Chenxiao in the CCTV monitoring room of the Shuiquan Gold Smelter last night, and the water and rice have not been eaten yet!

Xue Ming didn't eat at noon, and his stomach growled when the matter was done!

This time, Chen Guan did not refuse, followed Xue Ming, ran to a snack street in Shuiquan, found a small restaurant selling braised noodles, ate a bowl of braised noodles and two baked cakes, and filled his stomach.

The task of collecting storage was finally completed, Xue Ming's heart was also put down, and he said to Chen Guan with a smile: "I don't forget if I eat braised noodles, let you, a billionaire, follow me to eat braised noodles and eat baked cakes, and it is rumored that people who go to write novels don't believe it, let alone ordinary people." ”

Chen Guan asked: "To be honest, is this meal more comfortable than going to the Yuyu Hotel to drink?" ”

Xue Ming said that it can't be compared, going to Suyu Hotel to eat is enjoyment, eating here is to fill the stomach, the nature is different. No matter how comfortable it is to eat braised noodles, it can't be compared to drinking at Suyu Hotel!

Chen Guan smiled, and said to himself for a long time: "People, just live a full and comfortable life, there is no need to pursue those flashiness, it's very boring!" In fact, my favorite food is my mother's home-cooked meal, hand-rolled corn grits, although it is a little lighter, but the fragrance is natural. ”

A young man who has just entered the age of 23 sounds like a sense of vicissitudes when he speaks, which makes people feel a little fake!

Actually, Chen Guan is telling the truth. In the past, because of poverty, I was tired of eating home-cooked food, and I always felt short of oil and water because of the clear soup and lack of water every day. Now that Chen Guan has worked, earned a salary, and become a billionaire, he has seen more delicious food, but he feels that the food in the restaurant is too greasy, and it is not as delicious and fragrant as the home-cooked food when he was a child. It's a pity that he is busy every day, and wanting to eat his mother's home-cooked meals has become a luxury, and it is difficult to achieve!

Xue Ming's feelings for Chen Guan now are no longer the same as when they first met at the Suyu Hotel, but they are in awe and awe, but there is also a sense of closeness, because Chen Guan can deposit so much money in the Binhe District Credit Union, which is a kind of trust in him. It is important to know that now it is not only the interest of the deposits of the Binhe Credit Union that is one and eight cents, but also the interest of the savings of various banks.

Xue Ming really wanted to ask Chen Guan what the relationship between Bai Aiyue and Bai Aixiao was, so that it would be easier to arrange. When the words came to his lips, Xue Ming swallowed back alive, knowing that this matter was not something he should ask. In order to arrange jobs for Bai Aiyue and Bai Aixiao, Chen Guan would rather deposit 2 million in the Binhe District Credit Cooperative, so does it need to be said? It's not a close relationship, will Chen Guan make such a big blood? However, Xue Ming didn't think about it anywhere else, just thought that the Bai family sisters must be Chen Guan's key relatives. Because Chen Guan is too young and still a young man, it is impossible for Xue Ming to think deeply and in a complicated place.

After breaking up with Xue Ming, Chen Guan drove directly to Gao Qun to get the real estate certificate of the façade house.

Gao Qun and the others were anxious, but he knew that Chen Guan must have not finished the matter, so he did not call Chen Guan to urge him, but just waited quietly for Chen Guan in his sales office.

The façade house was all sold, and the purchase price was all recovered at one time, the staff in the sales office were elated, and a huge banner was hung at the door, which read, "Congratulations to the earth garden project façade house is all sold out"!

When Chen Guan arrived at the sales office, Gao Qun had already prepared the procedures for applying for the real estate certificate. As soon as Chen Guan arrived, Gao Qun simply asked if he had eaten lunch, so he quickly took out the purchase contract, invoices and a copy of Chen Guan's mother Zheng Yulian's ID card, and followed Chen Guan to get in the car and go to the housing authority, for fear that he would be late and would not be able to get the real estate certificate in the afternoon!

It's not bad, after arriving at the housing authority, the hall is still working normally, so don't delay things!

Gao Qun is very familiar with the person who handles the real estate certificate in the housing authority, and as soon as they meet, they joke.

The real estate certificate is a woman in her 30s, tall, with a white face and big eyes, and she is a very peugeot young woman.

As soon as she saw Gao Qun, the woman said, "Boss Gao, have you led the customer to apply for a certificate again?" got rich, and I don't know how to invite my sister to dinner! ”

Gao Qun said, "Sister, you have wronged my brother to death." Brother is waiting to invite you to dinner every day, isn't this afraid that your shopkeeper will not be willing? ”

The woman said, "Yes!" Stop! Don't get cheap and sell well! It's obvious that you are reluctant to spend money to invite a girl, and you still talk so much nonsense! I'll tell you, none of us are afraid, my sister is following you tonight! ”

What this woman said may mean is that she followed Gao Qun to dinner tonight, but she spoke quickly and had a speech problem, saying that she followed Gao Qun tonight, which made Chen Guan, who was standing next to Gao Qun, laugh for a while.

Chen Guan smiled, and the woman realized that she had said the wrong thing, her face turned red, and she didn't joke anymore, so she sat down and took the materials handed over by Gao Qun and looked through them.

Seeing this, the woman exclaimed: "Brother Gao, who is this Zheng Yulian?" So rich. Last time, I remember that she bought your five villas and five large-area units in one go, and today she bought all your façade houses in one go. It's amazing, when did Shuiquan have such a rich woman? ”

Gao Qun put his finger to his lips and "shh Let me tell you, this Aunt Zheng is not buying a house alone, they are a family buying a house, and the real estate certificate is registered in her name, which is actually the property of several families. In fact, only one-fifth of those who belong to her family. ”

This Gao Qun took out what Chen Guan said when he saw him for the first time, and fooled the beauty in front of him.