Chapter 1191

President Li came and went with a document bag. From the beginning to the end, he didn't get Mr. Qiao's name, and he couldn't present Mr. Qiao's carefully made and signed deposit certificate.

He watched Yang Rui take photos with Qiao Gong, and listened to Qiao Gong's praise and comments on Yang Rui. Although only a few people met, Li Xingchang knew very well that these details would eventually spread.

Even if other people don't say it, he can't help boasting at the banquet table, not to mention that if Joe can't do it well, he will write it into Qiao Gong's "living notes".

This makes president Li feel a little disappointed. Although he is a department level cadre, it is a chance for the department level cadre of the bank to see Mr. Qiao once in his life. He has worshiped Buddha 3000 times and knelt down for 200 Li. He does not expect to get the evaluation of "talent and strategy" or even the promise of "fully displaying talent and strategy". However, it is also good to report his name once.

When he walked out of Qiao's guest room, President Li was extremely regretful. He knew earlier that he should be more prepared, at least in terms of clothes; If I had known earlier, I should have done more on Yang Rui and asked him to give me some good advice. I'm afraid it would be more useful than decades of hard work; I should have yelled before I left. I'm Li Zhongxue from the people's Bank of China!

"President Li." Director Hu's voice sounded like thunder in Comrade Li Zhongxue's ear.

Li Zhongxue turned around at the fastest speed in his life, showing a clear smile and greeting: "director Hu."

"President Li, please wait a moment."

Director Hu's voice sounds so warm to President Li.

President Li couldn't wait to say: "I'm here..."

A completely unnecessary word, but this is what he has held back, otherwise, he would like to call out what he thinks in his heart now: Mr. Qiao, please call me, Mr. Qiao, please call me back to inquire.

"Qiao Gong..." director Hu said.

President Li's eyes lit up.

"Mr. Qiao... I need some information here." Director Hu pointed to the portfolio in President Li's hand.

"Oh... Oh!" President Li bowed his head and noticed the document bag he was carrying. He quickly handed it out and bent over.

"Thank you very much." Before leaving, director Hu politely said, "President Li, when Yang Rui comes here to make loans and other matters, please pay more attention. In line with the policy, the interest should be given as low as possible, the term can be set longer, and the conditions should be more lenient. After all... "

Director Hu thought carefully about his tone and said: "Comrade Yang Rui has already paid a lot. Even if something goes wrong, we can't let him bear a debt... We can't let the soldiers bleed and shed tears, and we can't let the scholars who are doing research bear the unspeakable burden when they are carrying the destiny of the nation..."

With these words, President Li was full of emotion and terrified. He carefully said, "don't worry, I will study the policy carefully and give the appropriate loan scheme as much as possible."

Director Hu said with a smile, "please contact me if you have anything to do with Yang Rui."

Then, director Hu handed a business card to President Li.

Li Xing would like to jump up and put his hands on his feet to send director Hu out of the door.

As he trotted to the parking lot, President Li gasped and got on the bus. Looking at Yang Rui again, his expression turned into a smiling face again, just like the restart of the machine.

"Director Yang, what are your requirements for loans?" President Li asked in a low voice when the car started.

Yang Rui was amused and asked, "what are the requirements of banks?"

"According to the loan interest rate implemented after August 1, 1985, the annual interest rate of the current half year working capital loan is 7.92%, but it can only be borrowed for one year. With fixed assets loans, the time will be longer, from one year to ten years, but the interest rate will become higher, the one-year period is 7.92, the three-year period is 8.64, and the more than 10-year period is 10.8%... "President Li carefully looked at Yang Rui and said:" the annual interest rate is set by the state, although it can be reduced a little, it is not much. "

Yang Rui's nod of "en" did not change much.

As Yang Rui didn't understand, Li explained: "the interest rate of time deposit is 7.2%, which means that for a one-year loan, you have to pay 0.6% more in one year, 1.4% more in three years, and 3.6% more in ten years."

"Yes."

"If you borrow 100000 yuan, you will have 1000 yuan more if you have more than 1% interest in one year!" What President Li said is serious.

For people in the 1980s, 1000 yuan can't be said to be a small sum. It's equal to a person's salary for a year.Yang Rui still nodded and said, "I understand."

As a hidden multimillionaire, Yang Rui is not afraid of the interest of a small sum of ten or twenty thousand yuan. Moreover, the bank interest now can be regarded as conscience.

The interest rate of the three-year loan is only 1.4 higher than that of the time deposit, which is not to be considered in 30 years.

Later generations of banks, eager to make two or three times the price difference.

Financial products with higher interest rates are also full of cash and are full of fun.

If inflation is taken into account, bank loans in the 1980s were basically free, and so was one of the purposes Yang Rui asked for loans.

Of course, if there is no special way, there is no room for Yang Rui to borrow money.

Although the era of banks scrambling for loans is not over, high loans have become more difficult.

President Li was quite helpless and said, "my idea is not to follow the 10-year loan. Of course, I don't mean that the loan can't last long, but the interest will be too high according to the 10-year loan. Instead of this, it's better to loan for one year first, and then I'll help you to make a long-term loan. Of course, this can not guarantee the time, but three or four years is still no problem. After calculation, it can save a lot of interest. For example, you need to borrow 100000 yuan. "

"One million."

"Ah?"

"I'm going to borrow a million." Yang Rui replied.

President Li is a bit stiff. Although he is the president of the branch, he has approved a loan of 1 million yuan, but is it OK to give this amount to the enterprise and to the laboratory for compliance?

President Li himself can't tell. After all, there is no such precedent.

However, looking back on what director Hu said, he spoke on behalf of the prime minister. How could president Li refuse Yang Rui.

He hoped that Yang Rui would give up his idea and said, "if it's one million yuan, the interest will be very high. Although there is no collateral, it is not impossible to do... "

"I have collateral."

Li Xingchang laughed and said: "there are more than one million collateral..."

"At the beginning, I bought about 100 sets of siheyuan, as well as some stamps and paintings."

President Li was on the verge of downtime again, and asked: "how can there be so many 100 Siheyuan?"

"When I got the money, I didn't know what to do, so I bought something." Yang Rui has a young and willful expression.

President Li moved his mouth and admitted: "it's really hard to sell siheyuan. If there are 100 sets, it's more than enough to make a mortgage of 1 million."

"It would be better to do more." Yang Rui hit the snake with the stick.

President Li nodded and asked, "how much do you want to consider?"

"More is better."

"OK, I can guarantee a loan line of more than 2 million yuan." President Li's promise was very straightforward. After that, he still couldn't help saying: "there are too many 100 sets of siheyuan."

"Yes, it's easy to buy."

"Easy..." President Li shook his head and advised: "I'll help you with the mortgage loan first. If you are free later, you'd better sell the remaining siheyuan. Now the country is engaged in construction everywhere. The more houses are built, and everyone wants the electric lights and telephones upstairs and downstairs. Siheyuan will be more difficult to sell in the future."

……

The official account has made a portrait of the character, and wants to read the girl brother in the book.

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