Today, Director Li is also in a very happy mood, and there will definitely be a place for him on this trip to Hong Kong and Macao. So he replied, "Three or five hundred." The largest trucks are no more than a thousand. The scrap car factory is actually a subordinate factory of the steel factory, and of course it is collected as scrap iron and thrown into the blast furnace. ”

"Huh?" Liu Zhuang thought that these cars, which could still be used for several years, were about to be thrown into the blast furnace, and his heart hurt. But then he thought, "That's not something I should worry about. ”

So Liu Zhuang then asked, "Can you give me those cars?" There are some overruns for Hong Kong and Macau tours, and Qingang also needs some old cars, which can just make up for this expense. So be it! For those who travel to Hong Kong and Macao, our company will give each person another 1,000 Hong Kong dollars of pocket money. ”

"That's great." Of course, Director Li was very happy, "Anyway, the formalities are handled by your electromechanical company." When a new car comes, take the old one! We can also skip the trip to the scrap yard. ”

"Good!"

Liu Zhuang thought to himself that these cars always sold for 5,000 each. Such a subsidy is not only not "loss-making", but can make some money. I just don't know if the old car is good to sell?

……

As soon as Liu Zhuang left the cigarette factory, Qin Gang made a phone call.

As soon as he picked up the microphone, he heard Zheng Xiaofei crying and laughing in the microphone: "Xiaozhuang! Sue you for one thing. The cooperatives insisted that we take out a loan. ”

"Huh?" Liu Zhuang was a little dazed by the news. Before and after his rebirth, he knew how hard it was to get a loan. It is even known that there is quite a lot of catty in the loan. If you encounter some black-hearted people, it is even better to borrow usury.

And now Qingang Electromechanical is not very short of money, and he has not asked the bank to borrow anything, why is the bank begging for a loan now? It's a little too mysterious!

So Liu Zhuang asked, "What is the situation?" ”

It turned out that after the last bank misunderstanding, Qingang Electromechanical went to the rural credit cooperatives to handle a general account. Then, Zheng Xiaofei and Li Xiaoru invited the leaders of the two financial institutions to get together, which also had the meaning of apology and relationship.

However, at the wine table, the managers of these two companies proposed to Zheng Xiaofei: they would jointly loan to Qingang Electromechanical. And Zheng Xiaofei must agree.

There is nothing strange about this, and there is no unknown dark box operation. That's just the normal financial activity of these two financial institutions.

Because there is no industry in the Qingang area, let alone high-quality loan customers. At this time, loans to private enterprises and individuals are even more strict...... It's just impossible, so it's difficult for these two financial institutions to meet their annual loan targets.

However, the people's annual savings will not be small, and a large part of them will have to stay in the local area for loans. As far as local financial institutions are concerned, they cannot assign the loan quota that cannot be borrowed to the head office or other sub-branches for loans. Otherwise, the local government would not have agreed! So these two financial institutions have been worried about loans.

However, this worry is not that no one will come to take out a loan, if the loan is released, there will be too much money. But when this loan is out, I don't know if they will be able to repay it. Therefore, it is worried that there are no high-quality customers.

For example: I used to loan one million to Yang Yihai. There is no mortgage, and if you don't pay it back, you can only find the county government of Lingbei County, which guarantees it. But can you really ask the Lingbei County Government to repay the money? Still is...... Don't be funny! So, it's very risky.

And because there are many such administrative orders, even if the loan is repaid, the bank will lose money. Or is it Yang Yihai's loan, he gets the normal interest rate! The interest rate is lower than that of long-term deposits of depositors.

But banks and credit unions are for-profit institutions. The assessment of the managers below by the superior branch is, of course, also to put profit in the first place. In this way, the pressure on the Qingang Agricultural Bank and the rural credit cooperatives can be imagined.

And these days, the newly opened Qingang Electromechanical has shown an "amazing" turnover in these two financial institutions. In addition, the brand of the electromechanical company is simply too loud, so these two financial institutions are semi-forced to ask for Qingang electromechanical loans, and they also want to improve the quality of the loans of these two financial institutions.

After Liu Zhuang learned about the general situation on the phone, he first asked: "So how much do you want us to borrow?" ”

"One million to two million." Zheng Xiaofei replied, "It can't be less than one million, but more than two million, if it's not more, then it's still negotiable." ”

"What is the interest rate?" Liu Zhuang asked again.

"17%," Zheng Xiaofei replied. Obviously, Qingang Electromechanical does not have the same treatment as Yang Yihai. They only took one market rate.

“17%？” Liu Zhuang was immediately taken aback. Liu Zhuang, who is accustomed to low interest rates in modern times, is really not used to such a high interest rate. And it's 17%! A loan of 1 million yuan will cost 170,000 interest rate for 1 year. Liu Zhuang's view of small citizens' money, this ...... Not much more.

Just when Liu Zhuang was about to express his objections, he suddenly thought: "Qingang Electromechanical will be managed by Zheng Xiaofei in the future." So what exactly is his opinion? Don't be in command all the time, you have to respect Zheng Xiaofei's ideas. ”

So Liu Zhuang asked, "Xiaofei!" What do you think? ”

Zheng Xiaofei hesitated for a moment, and then replied very unconfidently: "I think, it's not good not to take out a loan." Besides, with money, we can also set up offices in Qingjiang and Liude earlier, and we still need money to open auto repair shops and gas stations. So I want to take out a loan, which is the quota of 10 Santanas! And...... And Xiaoru thinks the same way. ”

Liu Zhuang was completely speechless. This Zheng Xiaofei, what I said earlier is very good, but what does it mean to add the last sentence? Could it be that he and Xiaoru are really ......?

Never mind! I'll talk about that later. Find a chance to talk to both of them. I couldn't tell you on the phone. So Liu Zhuang said: "Then you can look at it!" I've got your back. ”

"Good!" Hearing Liu Zhuang's support, Zheng Xiaofei was obviously excited. He reported: "I am looking for a place for an auto repair shop, and I want this factory to do car decoration first. I also told my dad about the gas station, and he is now inquiring, but it is not a big problem. That's why I wanted to take out a loan...... 1.5 million. Xiao Zhuang! Do you think it's okay? ”

Liu Zhuang was immediately happy, this Zheng Xiaofei, there is really no need to report in such detail. So he continued, "No problem. It's all said, you come up with ideas. However, you should also be careful not to chew too much, and try to use all the money you borrow. ”

"Huh!" Zheng Xiaofei was even happier, "Then I'll go through the loan procedures." Xiao Zhuang! You also have to bother more to see what good investment directions there are. ”

……

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