Yao Yuan knew Luo Jinhong's worries. If it were him, he wouldn't trust such a large amount of goods to a stranger.
"The goods may not move, but after signing the contract, the ownership will definitely be transferred." Yao Yuan said with a smile, "I will pay you the rent, you don't have to worry about this."
Luo Jinhong said, "It doesn't matter whether it's rent or not. Give me the money within five days and I'll rent the warehouse until June next year and give it to you for free."
"Five working days." Yao Yuan corrected, "That is, within five days after the National Day holiday."
After thinking for a while, Luo Jinhong nodded, "No problem."
Yao Yuan conjured up two contracts, took out a pen and ink pad, "Sign it."
"You've even prepared the contract. It seems that you are sure that I will cooperate." Luo Jinhong felt powerless, being led by the other party every step of the way, and the other party was clearly just a fresh college student.
Luo Jinhong read the contract carefully, signed his name and fingerprinted it.
He couldn't understand many clauses at all, and even if he did, he didn't care. Litigation is rare these days, and most people are unwilling to resolve disputes through judicial means.
The ownership of the 500 tons of imported sugar is in the hands of Luo Jinhong, and the others only pay, so there is no need for Meng Hao and others to sign.
Yao Yuan had been a leader of a central enterprise and run an enterprise in his previous life. He was very familiar with matters such as transaction contracts. As long as he set traps for others, others could not deceive him.
This contract is very important to Yao Yuan. Whether this business can be successful depends on whether this contract can be exchanged for a loan!
The next day, Yao Yuan spent two yuan to take a shuttle bus to the city, then transferred to a bus and returned to school. Xihai University of Technology is located in the south of the city, only eight kilometers away from the Port Authority and twelve kilometers away from the refinery in the port industrial zone.
The environment is excellent and the location is very good.
The campus during the holidays is no different from the past. Most students are from out of town. In order to save some money, most people choose to stay in school.
Yao Yuan went straight to the library, found the newspapers of the past month and browsed them quickly. When he saw the news that matched his memory, he breathed a sigh of relief.
He sneaked back to the dormitory and found that no one was there. He wrote a note and left it. He put on Zhang Weidong's suit and leather shoes, combed his hair, and transformed into a successful person in his twenties and thirties. Then he rushed to the Agricultural Bank of China without stopping.
Nangang Branch.
Liu Yitang was riding his motorcycle along People's Avenue towards the Port Authority when he suddenly saw a figure like Yao Yuan walking into the business hall of the Agricultural Bank of China. He stopped suddenly and frowned to observe.
"What is this kid doing here?" Liu Yitang's eyes rolled, he thought about it, locked the car and followed him in.
The hall was crowded, and all the people there were doing business.
Yao Yuan glanced and focused on the middle-aged man wearing black-rimmed glasses.
"Excuse me, do you have large deposit business here?" Yao Yuan walked over and asked with a smile.
The middle-aged man turned around, glanced at Yao Yuan, and smiled, "Hello, do you want to do deposit business? No problem, how much do you plan to deposit?"
Yao Yuan said, "One million."
"One million?" The middle-aged man was stunned, and his smile became even brighter, "Okay, okay, this way, please, this way. What's your name?"
Yao Yuan said, "No need for your surname to be Yao."
"Comrade Yao, which unit are you from?" the middle-aged man said with a smile, "I am the vice president of Nangang Branch. My name is Gao Jian."
Arriving at the office, Gao Jian politely asked Yao Yuan to sit down and make a cup of tea.
To save one million, it must be the money of the company. One million this year, based on purchasing power, is equivalent to more than 30 million in 2020. It is absolutely impossible for an individual to come up with such a large amount of money.
Yao Yuan said, "President Gao, I'm in the foreign trade business. I have a batch of imported sugar in my hand, and I want to mortgage it to your bank for a loan."
"Loan?" Gao Jian's expression suddenly changed, his brows furrowed, and he took off his glasses.
This means seeing off guests.
At the end of the year, most of the banks' quotas for attracting deposits were not fulfilled. When a million deposits suddenly arrived, Gao Jian almost jumped with excitement, but it turned out to be a lie.
"Comrade Yao, I have a meeting later."
Yao Yuan stood up and walked to the newspaper rack, flipped through it for a while, picked up a newspaper and started reading.
"Let's go, we have no loan limit this year." Gao Jian said while holding back his anger. If he hadn't seen Yao Yuan's ugliness in a suit and leather shoes, he would have kicked him out a long time ago.
Yao Yuan came over, spread the newspaper in front of Gao Jian, and pointed to the report above.
It is a policy about relaxing commercial loans.
Gao Jian said, "A national meeting to clean up triangular debt was held in August this year, and money was tightened. Under such circumstances, do you think we still dare to lend money? Comrade Yao, honestly, what organization do you work for?"
Yao Yuan waved his hand, sat down and said, "While the whole country is organizing to clean up the triangular debt, the head office has issued such a policy. I think President Gao knows the reason better than me."
He took out the contract and put it over and said, "Besides, this is a mortgage loan. Five hundred tons of imported sugar, worth 1.5 million, I only want 1 million."
Gao Jian put on his glasses and picked up the contract and looked through it carefully. The very rigorous contract was definitely written by a legal expert. What their bank has most contact with is various contracts. This contract is more expensive than the standard contract issued by their head office.
Be a little more rigorous.
This young man is probably from the Foreign Trade Bureau.
Seeing Gao Jian looking at him in confusion, Yao Yuan smiled and said, "With rising prices, it's too difficult to live on this salary, so I thought of doing some small business on my own."
Mortgage loans are relatively simple, you just need to collect the collateral before the money is paid.
However, Gao Jian is not so easy to fool.
As a contract worker, Gao Jian took off his glasses and said, "A ton of sugar now costs less than 2,000 yuan, and there is a downward trend. Young man, your 500 tons of sugar is not worth a million. Even if it is based on one million
In terms of value, you can get a loan of 600,000 to 700,000 yuan at most. Haha, although our Agricultural Bank of China is called Agricultural Bank of China, we don’t accept sugar."
He pushed the contract in front of Yao Yuan.
Yao Yuan took out a cigarette, lit it, took two long puffs, and said, "Then seven hundred thousand."
When Gao Jian wanted to speak, Yao Yuan raised his hand and waved it, and continued, "Sugar is hard currency, and it is impossible for Governor Gao not to know it. It is too easy to cash out. Besides, I will only use the 700,000 for three months."
, if you borrow the money before the year and pay it back after the year, you can also partially meet the targets for this year and next year, right? Mr. Gao, just follow the highest interest rate, and I will repay the principal with interest after maturity."
Gao Jian fell silent.
Even though the Triangle Debt is being cleaned up and banks are tightening their monetary policy, there are still indicators of lending and saving deposits every year. How can banks make money if they don’t lend, especially banks in the 1990s?
Yao Yuan said, "President Gao, do you think sugar prices will remain low?"
"I don't care about the price of sugar. I only eat two spoons of sugar every day." Gao Jian shook his head and said, clicking on the contract, "With a dozen pieces of paper and a few words, you can ask me to give you a loan of 700,000 yuan.
It’s too simple to think about.”
Yao Yuan said, "It is clearly stated in the contract that 500 tons of imported sugar are in warehouse No. 11 of the Port Authority Pier. You can check it at any time. To be honest, we are storing this batch of sugar to make money, not for loans."
Having said this, Yao Yuan picked up the contract and stood up, "I also plan to go to China Construction Bank and ICBC. Whoever gives me a loan will keep all my money with them. Even if it's several million a year, it's no problem."
If Lin Wei hears this, he will spit it out: A pocket is cleaner than a face, the bastard Ayuan can really blow, bah!
"Wait a minute." Gao Jian called to Yao Yuan who was walking to the door.
Gao Jian is not a fool, so he naturally weighs the pros and cons quickly. The worst result is that he cannot get back the money and lose 500 tons of sugar. Yao Yuan has a saying that speaks to his heart, sugar is hard currency, and it is the key to life and industrial production.
There is no problem in selling the raw materials that are indispensable in the industry. The question is whether to make money or lose money.
As long as you control the loan amount, you won't lose money on this transaction.
If it succeeds, we can meet the reserve quota of several million more in the future, so why not do it.
Yao Yuan opened his mouth and described a bright prospect to Gao Jian.
Facts have proved that the coward will starve to death and the bold will starve to death. This principle is especially suitable for the 1990s.
Yao Yuan rode Gao Jian's motorcycle to the dock warehouse, and Liu Yitang followed him from a distance. Luo Jinhong didn't know Gao Jian, and after listening to their conversation, he found out that Yao Yuan was going to mortgage the sugar for the loan. His heart suddenly skipped a beat, and he frowned.
Got up.
Gao Jian carefully checked the sugar. The quantity was correct, the ownership was clear, and there were no problems.
"There is basically no problem, but we still need to organize personnel from the industry to check it out," Gao Jian said.
Yao Yuan said, "Check it as you like, but I hope to get the money within three days after the holiday ends."
"I'll try my best to leave a phone number and I'll let you know if there's any news." Gao Jian stopped talking.
Yao Yuan wrote the phone number of the hospital's nursing station to Gao Jian, and Gao Jian turned around and left.
"You want a mortgage? Seven hundred thousand, aren't you afraid of not being able to pay it back?" Luo Jinhong couldn't help it and asked urgently.
Yao Yuan spread his hands and said helplessly, "Where can I find such a large amount of money to give you without a loan? The agreement is very clear. Half will be paid upfront and the balance will be paid in three months."
"No problem, no problem." Luo Jinhong thought about it. It's not his own loan anyway. As long as he has the money, he doesn't care whether he lives or dies.
Luo Jinhong also thought about taking out a mortgage, but he didn't dare. The price of sugar was so ridiculous, let alone 700,000, he didn't dare to borrow 70,000.
This is Yao Yuan's advantage - innate consciousness!
"Okay, Lao Luo, I won't miss your money. Please help me keep an eye on it these days. People from the bank will come to check at any time." Yao Yuan patted Luo Jinhong's arm and walked away swaggeringly.
Luo Jinhong looked at Yao Yuan's tall back and cursed secretly. He was acting like a big leader at such a young age, but he was so natural. Who is this kid?
Yao Yuan left.
Liu Yitang, who was hiding in the corner and observing secretly, came out, took out his cigarette, greeted Luo Jinhong and started to inquire...