Chapter 78
Remember for a second【】
Early in the morning, Li Weidong was called to the office by Zhao Guodong.
Are you going to contract a garment factory? You don't want to work with me anymore? Zhao Guodong asked straight to the point.
I want to do it, but I also want to try to go out. Li Weidong smiled and then said, If I really don't want to work in the freight department, I don't need to go to the garment factory!
That's right. The garment factory is a mess. If you really want to jump to another department, you can't go to the garment factory. It's a pity that I am missing a talent here.
Zhao Guodong sighed deeply, and said with some regret, It's better to go out while you're young and strong, if you can revive the garment factory, and then transfer back to the company in two or three years, you may be promoted to a middle-level cadre, and then you will follow suit. I'm on a level.
Director, I think you can be promoted to company leader in less than three years. Li Weidong said with a smile.
In Li Weidong's memory, at the end of the 1980s, Zhao Guodong was transferred to an agency, and later became the director of the county level.
Lend your auspicious words! Zhao Guodong changed his voice, took out a document and handed it to Li Weidong, and then said, By the way, I will give you a job, and I will send this form to the purchasing office.
Li Weidong took the form and looked down, only to find that it was a chart of the driver's height and size.
The purchasing office asks for height and size, are you planning to buy clothes for us? Li Weidong asked.
Well, I said that I want to buy a batch of military coats for long-distance drivers, two for each person. Zhao Guodong replied.
Li Weidong frowned, Two pieces for one person? Military coats are not gloves and socks that need to be replaced. One piece can be worn for several years. We can't use so much. The purchasing department didn't say, why should one person wear two military coats?
No. Wang Haibin has always been in charge of the procurement business. Who knows what's going on in his brain! Zhao Guodong replied casually.
Yeah, the purchasing director is Wang Haibin, Wang Haibin belongs to Zhu Shicong, and Yang Peng, who competes with me in the garment factory, is Zhu Shicong's nephew... Li Weidong has connected all of this.
Yang Peng's side is obviously going to play tricks. It seems that if you want to contract a garment factory, it is not enough to talk about it, I have to make a big move!
...
The motorcycle sound of dudududu sounded, and the uncle who was good at arithmetic at the entrance of the bank knew that Li Weidong was coming just by listening to the sound.
Little comrade, I haven't been here for some days! Are you here to ask about the exchange rate again? The math master asked.
Let's do some business today. Li Weidong said, handing the uncle another cigarette.
The uncle took the cigarette, flipped the match from his pocket, and said, Then go in and do your job, and I'll help you watch the car.
Thank you uncle. After Li Weidong finished speaking, he walked into the business hall.
At the counter in the business hall, a middle-aged woman in her forties was waiting for Li Weidong.
Sister-in-law, I'm here! Li Weidong said hello.
Little Li is here, wait a moment, I'll take you to see our president right away. The middle-aged woman replied.
Since becoming a dispatcher, Li Weidong has met a lot of people from the three religions and nine ranks, which can be regarded as the contacts Li Weidong has accumulated.
The bank's sister-in-law is the director of the bank's business office. Her husband's company often needs a transportation company to send vehicles to deliver goods, so she has contacts with Li Weidong.
Now that Li Weidong wanted to meet the president of the bank, he borrowed this relationship. After all, the president of a prefecture-level bank cannot be seen by anyone who wants to see it. With the sister-in-law as an intermediary, Li Weidong can easily meet the president.
In an era when state-owned enterprises dominate, there is a vast network of connections that is more useful than money.
After a while, Li Weidong was taken to the president's office and met with President Wu.
Are you Li Dispatching? Hurry up and take a seat. President Wu greeted Li Weidong to sit down. After the two casually exchanged a few words, President Wu asked, I heard that you are planning to take out a loan?
Yes. Li Weidong nodded, Our company has a third-production garment factory. I plan to contract it, but there is still a lack of funds for the operation of the garment factory, so I would like to ask President Wu for help.
In the mid-1980s, only the Agricultural Bank could issue personal loans, and they were all small and short-term loans for farmers. Other banks make loans, all of which are aimed at businesses. Therefore, if Li Weidong wants to get a loan, he must bring the name of a garment factory.
Oh, then do you plan to use working capital loans, or technology transformation loans? President Wu asked again.
Working capital loan. What I lack now is working capital, and the equipment is ready-made. Li Weidong replied.
If you have a working capital loan, you can only borrow for half a year. How much do you want to borrow? President Wu asked again.
I want to borrow 500,000 yuan first. Li Weidong replied.
500,000? That's all! President Wu showed an embarrassed expression.
Obviously, President Wu felt that a tertiary garment factory was not worth a loan of 500,000 yuan.
In 1986, there were mainly three types of bank loans for enterprises.
One is the working capital loan, which is to directly lend money to the enterprise as working capital. This working capital loan is only for half a year at most, and the one-year working capital loan did not appear until 1990;
The second type is the technological transformation loan, which is issued by the bank for the technological transformation and equipment renewal of the enterprise. The loan term is generally not more than five years, and the special technological transformation loan approved by the provincial administrative unit can be extended to seven years.
The third type is fixed asset loans, which are mainly for
^0^ Remember one second【】
For investment in fixed assets, such as capital construction, project construction, etc., the term of this type of loan can reach more than ten years.
In this case, Li Weidong can only apply for a working capital loan. It is obviously impossible for a tertiary garment factory to apply for a loan of 500,000 RMB.
Some people in Rebirth wrote that in the 1980s, banks would ask for corporate loans, and they would also offer interest-free discounts, which misled many people who didn't know the truth, and led many people to mistakenly believe that this was true.
It is true that banks seek corporate loans. After all, there are loans, and banks have profits.
But the interest-free discount is pure nonsense of the author of the online article. Banks rely on interest to survive. If interest-free and subsidized interest rates are used, won't the bank lose money? With the bank's no responsibility for leaving the counter, how could it be possible to trade at a loss!
For the president of the bank, it is important to complete the loan task, but it is not necessary to lose money in order to complete the loan task.
Moreover, at the policy level, after the People's Bank of China issued the Trial Measures for the Management of Credit Funds in 1984, banks already had clear rules and regulations for loans. How could bank presidents dare to make loans in violation of regulations? It's really when the regulatory authorities are showing up!
Unless the government gives special policies, otherwise, how can companies get interest-free loans.
Seeing President Wu's embarrassed face, Li Weidong directly took out a 10 million cashier's check, handed it to President Wu, and then said, President Wu, I can use this as collateral.
Seven zeros! Ten million! Is this a cashier's check? President Wu took a breath.
President Wu still knew it. Although the cashier's check was mixed with various Japanese and English, he still recognized it as a cashier's check.
Li Weidong explained, This is a promissory note from Japan's Fuji Bank, worth 10 million yen. I want to use this bank promissory note as a mortgage to loan 500,000 yuan. Your bank has foreign exchange business, and it should be able to verify. The authenticity of this cashier's check, that's why I came to ask President Wu.
Fuji Bank, that is a world-class big bank! President Wu sighed, not having the heroic appearance of the four major state-owned banks in the future.
Li Weidong went on to explain, This banker's check will expire in four years, and the time limit for banker's checks and fixed-rate checks from international financial institutions is relatively long.
China only enacted the Negotiable Instruments Law in 1994, stipulating that the time limit for bank promissory notes should not exceed two months.
And foreign banks are much more lenient in this regard. International banks in financial centers such as New York, London, Hong Kong Island, and Tokyo will issue cashier's checks with fixed amounts of three to five years. However, many banker's checks involving RMB are still two-month deadlines.
After all, national conditions are different. China has always had strict controls on financial and currency. The country does not want too much hot money to circulate in the society in the form of promissory notes.
President Wu took the cashier's check and looked it over carefully, and then asked, Li Shupai, 10 million yen, but a huge sum of money, where did you get so much money? Don't blame me for talking too much, I must first Please confirm the legitimacy of the 10 million yen.
Understood. Li Weidong said, took out the Literary Works Transfer License Agreement from the bag, handed it to President Wu, and then explained
I am good at car repair, so I wrote a book on car repair technology and sold it to Tianfeng Motor Company. The 10 million yen was earned by selling the book. This is what I signed with Tianfeng Company. The agreement is signed by Masayuki Kato, the representative of Tianfeng Company, you can go to Tianfeng Company for verification.”
President Wu took over the contract. He couldn't read Japanese, but the number 250,000,000 yen on the contract could still be understood by President Wu.
Uh, Li Shubai, it says 25 million yen, right? President Wu asked cautiously.
Yes, the copyright of this book sold for a total of 25 million yen, and this is only 10 million of them. Li Weidong replied.
My darling, what book can sell for so much money! President Wu became more and more surprised. He quickly calculated that 25 million yen can be exchanged for 500,000 yuan according to the official exchange rate, and if the black market price is more than 1.2 million yuan !
The next moment, President Wu suddenly realized that the young man sitting in front of him turned out to be a millionaire!
In 1986, 10,000 households will be looked up to, and a millionaire is an unimaginable existence.
Fortunately, President Wu has also seen money, so he didn't act too rude.
Accountant Li, let me do the math for such a large amount. I saw President Wu picked up the abacus from the table and started to calculate the exchange rate and interest. In fact, he was thinking about whether to approve the loan.
10 million yen, the black market price is about 500,000 yuan, and the fluctuation will not be too large, so using this 10 million yen as a mortgage and a loan of 500,000 yuan, the bank will definitely not lose money.
When Li Weidong repays the money in half a year, he will definitely have to pay the loan interest, so the bank will make a fortune.
More importantly, if Li Weidong does not reach the 500,000 by the due date, then the 10 million yen will belong to the bank.
10 million yen is foreign exchange, which is much more fragrant than 500,000 RMB!
Thinking of this, President Wu even had some expectations that Li Weidong had better not pay.
A prefecture-level bank can earn 10 million yen in foreign exchange. What a dazzling achievement!
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Dear, this chapter is over, I wish you a happy reading! ^0^
