The people from the bank came. Not only a few tellers came, but also a vice president. After receiving the call, the latter drove in person, arrived in only a few minutes, and hurriedly entered the factory office and asked, "Where is the $100,000 in cash?" ”

The factory office was lively, and when I saw the arrival of professionals, I immediately got out of the way and was quiet for a while. The factory director and the factory committee joked with Zhou Qingfeng, and the accountant in the factory was counting the money.

"Stop, stop, let's do it professionally."

Seeing that there were really green tickets, several people in the bank were overjoyed and hurriedly took over the work of counting and checking the banknotes. How can the finance and accounting of the factory be willing to work? Say everything you have to go through by yourself first.

The suitcases are full of 100 dollar bills, 10,000 yuan is 100 pieces, 100,000 stacks. It doesn't take long to count, but it's a bit troublesome to check money.

Nowadays, the money detector is not yet popular, and the foreign currency money detector is not a thing. The foreign currency usually used in Tianyang City is generally allocated by the superiors, and it is the first time that Zhou Qingfeng has carried a large amount of foreign currency cash in violation of regulations.

But no one mentioned the matter of 'illegal carrying', and everyone tacitly didn't mention it. Bank staff carefully screen each dollar bill to ensure that it is not counterfeit.

Halfway through the money inspection, the vice president who came gradually had a bottom in his heart, and said happily to Zhou Qingfeng: "Mr. Zhou, let's deposit this foreign exchange." ”

"You're kidding." The director of the printing factory smashed the table and refused in unison, "First deposit it in our factory's own internal accounts." Recently, we are also considering buying some better imported equipment to better develop foreign trade. ”

The vice president was furious: "You are setting up a small treasury privately, which is a violation of foreign exchange management regulations and a mistake." This foreign exchange must be deposited in the bank, and we can give a high interest. ”

"Don't think about it, if the money goes to you, we won't have our share."

"You are disorganized and undisciplined, and you don't think about the big picture."

The printing house and the bank 'you sound, I said', one was higher than the other, and in the blink of an eye they quarreled. Zhou Qingfeng hurriedly stood up to calm down, raised his hand and pressed down, and said happily: "Don't worry, don't worry, foreign exchange is more than that." ”

That's right!

The vice president's eyes lit up, and he immediately calmed down. This foreign exchange is too scarce, and everyone is used to grabbing it. Regardless of whether you grab it or not, if you don't grab it, it is politically incorrect, and you will be complained about when you go back.

But Zhou Qingfeng's words, everyone realized that the main owner is here, why quarrel?

"President Zhou, how much foreign exchange do you have?" The vice president warmly took Zhou Qingfeng's hand, "Tell me the bottom and make me happy." If you deposit a fixed term with us, I will give you ten points of interest. ”

The interest rate of 10 points is quite exaggerated, but in the 90s, every bank had the task of collecting savings, not to mention foreign exchange. In order to collect savings, all kinds of crooked ways have appeared. The black material broke out, and it will definitely blow the eyeballs in the future generations.

Zhou Qingfeng laughed, "I registered a 'Shengguang Technology Co., Ltd.' in HK. The company has recently exploded in business and its assets have increased rapidly. There are tens of millions of foreign exchange in the company's account, and I plan to ......"

Hearing the 'tens of millions', the vice president tightened Zhou Qingfeng's sleeves and asked in a low voice, "President Zhou, do you want to remit this money?" ”

"Oh, this is a foreign exchange management regulation." Zhou Qingfeng continued to be happy.

The deputy governor's voice was lower, "We mainly control foreign exchange outflows, and we can still negotiate inflows." If there are really tens of millions of foreign exchange. Speaking of which, he specifically asked, "Is it a Hong Kong dollar or a US dollar?" ”

Zhou Qingfeng spat lightly, "There are Hong Kong dollars, US dollars, and Japanese yen, all of which are in the tens of millions." ”

All in the tens of millions?

Everyone in the factory office is careful, trembling.

The vice president gritted his teeth and was ruthless, "There are really tens of millions of dollars, and I will risk my life to guarantee it." Exist in our bank, absolutely nothing. I can give fifteen pips per annum. ”

Fifteen points a year is almost as good as a loan shark.

But anyway, the annual interest rate is calculated according to the soft sister coin, and a hundred points are also a soft sister coin. The vice president's abacus is fine. Now the country's total foreign exchange reserves are only more than 10 billion US dollars, and he can increase the amount of a regional governor by one thousandth, so what is the high interest rate?

The superiors will only praise and will not have any criticism.

The vice president felt that the annual interest rate of fifteen points was already the upper limit of what he could offer, but Zhou Qingfeng wanted more than that. He never thinks the same way as anyone else. "What if I want foreign exchange for a mortgage?"

Mortgage? What's the trick?

The vice president couldn't figure out Zhou Qingfeng, and he was very puzzled. The latter continued: "If I deposit 10 million dollars in cash in your bank, can I pledge it? ”

"Absolutely." The vice president has no doubts. Foreign exchange cash is the best collateral, much better than any mortgage on real estate. "We can give you low-interest or even interest-free loans."

"So how many soft girl coins can be mortgaged with a cash deposit of 10 million US dollars?" Zhou Qingfeng asked.

This is a very knowledgeable question.

The vice president's head is racing. He calculated the exchange rate first and then the discount on the loan, but quickly overturned the algorithm. The Lord in front of him is clearly not going down the beaten path. He didn't dare to think or make a decision, so he could only ask tentatively......

"Mr. Zhou, how much do you want to borrow?"

"I want to borrow more, and in case I can't afford to repay, can I ......" Zhou Qingfeng didn't say it thoroughly, and stopped at the point.

But the vice president shouted in his heart, 'I wish you couldn't pay it back.'"

Wait...... this kid really doesn't want to pay it back, right?

Everyone else is racking their brains to get foreign exchange, why does this lord seem to have too much foreign exchange and want soft sister coins?

The vice president's brain lit up, and he immediately said: "It is definitely not possible to repay it." However, the loan term can be a little longer, and the interest can be a little lower or even interest-free. ”

He almost said directly, "Mr. Zhou, you can get a 30-year interest-free mortgage." Thirty years later, I'm definitely retired. As long as you can get foreign exchange, you can say anything. ”

Thirty years? It won't take thirty years at all, not even three years.

Zhou Qingfeng is very clear about one thing, in the 90s, the domestic currency issuance skyrocketed, and prices and wages were soaring. What he has to do now is to spend his cash by all means, preferably with a debt at a low interest rate.

Convert all funds and liabilities into assets. The simplest is the property, followed by the acquisition of various antiques and works of art from home and abroad. Ten years later, the value of these assets will definitely increase tenfold or even dozens of times.

Even if you don't buy fixed assets, you can buy gold. The price of gold will also soar in the next decade or so. In short, there will be a worldwide depreciation of the currency, and holding the currency is a very loss.

In the early 90s, 10,000 yuan could buy half a house in a big city, but after ten years, you could only buy a toilet, and in another ten years, you couldn't even buy a foothold. Money has to be spent to be valuable, and if you don't spend it, it's waste paper.

Zhou Qingfeng originally wanted to take out a loan at a premium and borrow more soft girl coins to spend it. But the vice president said that he couldn't change it, which made him hesitate. So he came up with an even better idea.

"You should have a lot of collateral on hand, right? For example, the assets of many state-owned enterprises. ”

"What do you mean?"

"If I use foreign currency to buy non-performing assets pledged in the bank, can I get a discount?"

"This ......, discounted?" The vice president gasped.

This lord really dares to think that he is going to 'swallow an elephant'!