Chapter 573 Thinking About the Future
Nan Yi and Liu Zhen came to the state-run restaurant called "State-run Hotel" at the entrance of Liu Zhen's alley. As soon as they entered the store, Nan Yi felt that this store was quite special.
There have been great changes in the past few years, not to mention the same thing every day, but some new things will come out every quarter.
Let’s just say that wearing a suit last year was still very flamboyant, but at the beginning of this year, many state-owned stores were distributing suits as work clothes, and everyone had one, and you could see people wearing suits all over the street.
But Nanyi looked at the ever-changing wind, but it didn't blow to this store.
This restaurant still retains the style of previous years, whether it is the furnishings in the store, the spirit of the waiters, the high sense of honor of the master, and the warning words "Never beat customers without reason" on the wall , all show the "nostalgia" here.
A fat waiter in dirty white clothes was leaning lazily on the corner of a table, eating melon seeds in her mouth, and there was an arhat stacked with melon seed shells at her feet.
"Are you sure you want to eat here?" Nanyi looked at the scenery in the shop and asked Liu Zhen suspiciously.
Liu Zhen shook her head in disappointment, "No, I'd better go back and eat, this is not the place I imagined."
"Have a long memory. If something is beautiful in your memory, just look at it from a distance. Don't try to get close, otherwise the beauty will disappear."
Liu Zhen asked suspiciously: "It sounds like you already have experience?"
"Almost, I've tried it two or three times, and none of them added points to the good memories."
Nan Yi thought about revisiting the TV series that had forgotten the plot, but the outline was engraved in his mind, and he regretted it. Several good memories were ruined by himself.
After spending two family days with Liu Zhen, Nan Yi went to Guoming Bank to visit Fan Guangfu.
The personal relationship has been opened. Nan Yi entered Fan Guangfu's office without any obstacles, and sat face to face with Fan Guangfu without any problems.
"President Fan, I came to you this time to talk to you about the loan."
Fan Guangfu chuckled and said, "You put in so much effort before, and now you're finally getting to the point?"
"President Fan is aware of the details, and today I am relying on our personal relationship to find you through the back door." Nan Yi also said with a smile: "It's like this..."
Nanyi first introduced the situation of the Yaqing project, and then said: "We are rooted in Miaohong. Some people are running in various courtyards to raise funds. They should not find much money, and they can also make some connections.
Now the funds in our Genzheng Miaohong's hand are 2 million US dollars in the universe bank account, and the remaining gap needs the help of President Fan. "
For an old fritter like Fan Guangfu, the purpose of Ye Qian's fundraising can be said to be obvious. Nanyi doesn't need to hide it at all, and it is more frank to say it directly.
"For an 80 million project, you only have less than 10 million in your hand, and you have to borrow 70 million with one mouth. Xiaonan, no matter how good our relationship is, I can't lend you the money. The amount is too big " Fan Guangfu said in a difficult way.
"President Fan, I know that the amount we want to borrow is too large, and it will be difficult for you. You can rest assured that I never asked you to violate the regulations.
That’s right, the Fang’s Group of Hong Kong is one of our shareholders of Genzheng Miaohong, and it is willing to come forward to act as a guarantor for our loan. worth of Hong Kong dollars to repay our loan and interest. "
The 50 million Hong Kong dollars Fang Mengyin donated to the Asian Games at the beginning was paid through Guoming Bank. Fan Guangfu, as the head of the Beijing head office of Guoming Bank, must know Fang Mengyin's identity.
"Since Fang's Group provides a guarantee, our bank can definitely approve your loan. Why do you go around such a big circle?" Fan Guangfu asked in surprise.
Fan Guangfu couldn't help but be surprised. Since Fang's Group was the guarantor for this loan from Genzheng Miaohong, it could be approved directly through formal procedures.
Even Guoming Bank, knowing that Genzheng Miaohong has such a high-quality guarantor, will definitely send someone to come to negotiate a loan on its own initiative, for fear that other banks will snatch this high-quality customer.
"It's very simple, I just want to make friends with President Fan." Nan Yi said lightly.
"Friend..." Fan Guangfu dragged his voice for a long time before he said, "Okay, let's make friends. I'll call the comrade in charge of the loan over, and we'll talk about the details of the loan."
"OK."
There is a major premise that there is a loan that can be approved, and other details are not difficult to discuss at all. It is nothing more than finalizing the interest rate and repayment period.
Today's banks do not have a strong sense of business, and are more of a functional department for the country to regulate the economy. Therefore, after preliminary negotiations, the loan interest of Genzheng Miaohong did not outperform the bank's savings interest. Those who are far behind are left behind.
If Nanyi gets the loan, he directly deposits the money back to the bank, and when the loan expires, he can earn millions in the difference in interest.
In fact, there are people taking advantage of this loophole. Some people get policy-supported loans, especially interest-free loans, and don't think about using them for investment and business operations, but deposit their money back to the bank to earn interest.
Walking out of Guoming Bank, Nanyi's mind began to diverge wildly. He was thinking about the meaning behind the loan interest rate being lower than the savings interest rate.
He knew about this matter, but he hadn't thought deeply about it before.
The low interest rate on loans shows the country's determination to invigorate the economy, but the high interest rate on savings means the country needs a discount. Where does the money for the discount come from?
The obvious answer is to print it out.
In the past two years, more and more money has been printed, the amount of RMB is too large, and the value is inflated.
There is a lot of money, but there are few materials available for consumption. It won't be long before wages will rise again, and prices will rise sharply again. People will find that although wages have increased, they may buy fewer things.
Next, the bank will find a way to induce ordinary people who do not like to deposit money in the bank to take out money from pillowcases, socks, stinky shoes, and rice jars and deposit it in the bank. Time should keep a low profile, and the country will hope that the people will spend more and let the money circulate quickly.
This year, the domestic economic development has slowed down and the economy has gone down, so the country has relaxed the registration of companies and encouraged entrepreneurship. This is the main reason why this year will become the first year of the company, right?
In 1982, farmers were allowed to enter the city to open shops, set up workshops, set up service industries, and provide various labor services. However, except for the Pearl River Delta, other places did not implement this policy thoroughly. Farmers wanted to stay in the city. It is difficult to solve.
Next, this piece should also be in place...
Combining his memory and his analysis of the current economic situation, Nanyi tried to figure out the policy and economic trend in the next few years, but found that he was still powerless. Even if he had some memories, many things were still very vague, and he could only touch a little bit. Angle.
"A person's power is still limited. If I can't do it myself, let the Intelligence Policy Committee do the analysis."
Nan Yi muttered, and his mind began to empty.
When the car stopped at the entrance of the Great Wall Hotel, Cao Lin, who entered Nanyi's lobby and coffee shop, nodded her head as a greeting, and then went into the elevator to go upstairs.
Ding!
As soon as the elevator door opened, a voice entered Nanyi's ears.
"Hi."