Volume 4: The World of Great Conflict Chapter 0571: Thinking about the Future
Nan Yi and Liu Zhen came to a state-owned restaurant called "State-owned Restaurant" at the entrance of Liu Zhen's alley. As soon as he entered the store, Nan Yi felt that this restaurant was quite special.
There have been great changes in the past few years. Not every day, but there will be something new every quarter.
Last year, wearing a suit was still a very ostentatious thing. But at the beginning of this year, many state-owned stores distributed suits as work clothes. Everyone had one, and people wearing suits could be seen all over the streets.
But Nan Yi saw that the trend was changing with each passing day and it had not reached this store.
This restaurant still retains the style of previous years, whether it is the furnishings in the store, the spirit and sense of honor of the waiters, or the warning on the wall "Never beat customers without reason", all of which show the "nostalgia" of this place.
A fat waitress in dirty white clothes was leaning lazily on the corner of a table, cracking melon seeds in her mouth, and melon seed shells were stacked up under her feet.
"Are you sure you want to eat here?" Nan Yi looked at the scenery in the store and asked Liu Zhen suspiciously.
Liu Zhen shook her head in disappointment. "No, let's go back and eat. This is not the place I imagined."
"Remember this, if something is beautiful in your memory, just look at it from a distance, don't think about getting close to it, otherwise the beauty will disappear."
Liu Zhen asked suspiciously: "It sounds like you already have experience?"
"That's about right. I've tried it two or three times, and it didn't add to the beauty of the memories."
Nan Yi felt very regretful when he thought about revisiting a TV series whose plot he had forgotten but whose outline was engraved in his mind. He had ruined several beautiful memories by himself.
After spending two family days with Liu Zhen, Nan Yi went to the National Bank to visit Fan Guangfu.
A door had been opened to the private relationship, and Nan Yi did not encounter any obstacles when entering Fan Guangfu's office. He sat face to face with Fan Guangfu smoothly.
"President Fan, I came to you this time just to talk to you about the loan."
Fan Guangfu laughed and said, "You've put in so much effort up front, and now you're finally getting to the point?"
"President Fan is very observant. I am relying on our personal relationship to come to you today to ask for a backdoor." Nan Yi also smiled and said, "It's like this..."
Nan Yi first introduced the situation of the Yaqing project, and then continued: "We have a good background and some people are raising funds in various hospitals. We probably can't find much money, but we can build some connections.
The funds we have now are the 2 million US dollars in the Universe Bank account. We need President Fan’s help to make up for the remaining shortfall.”
To a veteran like Fan Guangfu, Ye Yi's purpose of raising funds was crystal clear, and Nan Yi didn't need to hide it at all. It would appear more honest if he said it directly.
"It's an 80 million project, but you only have less than 10 million in your hands, and you ask for a loan of 70 million. Xiaonan, no matter how good our relationship is, I can't lend you the money. The amount is too large." Fan Guangfu said in embarrassment.
"President Fan, I know the amount we want to borrow is too large and it is very difficult for you, but you can rest assured that I have never expected you to violate the rules.
It is like this, the Fang Group in Hong Kong is one of our shareholders, and it is willing to act as a guarantor for our loan. Once our loan is due and unable to be repaid, the Fang Group will repay our loan and interest in Hong Kong dollars of the equivalent value. "
The 50 million Hong Kong dollars that Fang Mengyin donated to the Asian Games was transferred through the National Bank. As the president of the National Bank's Beijing head office, Fan Guangfu must be aware of Fang Mengyin's identity.
"Since the Fang Group has provided the guarantee, our bank can definitely approve your loan. Why are you going through so much trouble?" Fan Guangfu asked in surprise.
Fan Guangfu couldn't help but be surprised that since this legitimate loan had the Fang Group as the guarantor, it could be approved directly through formal procedures.
Even if the National Bank learns that Genzhenghong has such a high-quality guarantor, it will definitely send someone to negotiate the loan, for fear that this high-quality customer will be snatched away by other banks.
"It's very simple, I just want to make friends with President Fan." Nan Yi said lightly.
"Friends..." Fan Guangfu dragged out the words for a long time before saying, "Okay, let's be friends. I'll call the comrade in charge of the loan over and we'll discuss the details of the loan."
"OK."
As long as the loan can be approved, the other details are not difficult to discuss. It is nothing more than finalizing the interest rate and repayment period.
Today's banks do not have a strong sense of business and serve more as a functional department of the country's economic regulation. Therefore, after preliminary negotiations, the interest on this loan from Genzhengmiaohong did not even outperform the bank's savings interest and was far behind.
If Nan Yi gets the loan and deposits the money directly back into the bank, he can earn millions in interest difference when the loan matures.
In fact, there are people who really take advantage of this loophole. Some people get policy-based support loans, especially interest-free loans, but instead of using the money for investment and operation, they deposit the money back into the bank to earn interest.
After walking out of the National Bank, Nan Yi's mind began to wander. He was thinking about the meaning behind the loan interest rate being lower than the savings interest rate.
He was aware of this matter , but he had never thought about it deeply before.
The loan interest rate is low, which shows the country’s determination to revitalize the economy, but the savings interest rate is high, so the country needs to subsidize the interest. Where does the money for the subsidy come from?
The answer is obvious, it must be printed.
In the past two years, more and more money has been printed, the amount of RMB is too much, and the value is seriously inflated.
There is a lot of money but few consumer goods. It won't be long before wages are raised again and prices soar again. Ordinary people will find that although their wages have increased, they may be able to buy less.
Next, banks will find ways to induce ordinary people who don’t like to deposit money in banks to take money out of pillowcases, socks, smelly shoes, and rice jars and deposit it in banks. The four words “diligence and thrift” should remain low-key for some time to come. The country hopes that ordinary people will consume more and let the money circulate quickly.
This year, domestic economic development has slowed down and the economy has been in a downturn, so the country has liberalized company registration and encouraged entrepreneurship. Is this the main reason why this year will be the first year for the company?
In 1982, the authorities allowed farmers to move to cities to open shops, set up workshops, start service industries, and provide various labor services. However, except for the Pearl River Delta, this policy was not fully implemented in other places . If farmers wanted to stay in the city, the identity issue was difficult to resolve.
Next, this part should also be implemented...
Nan Yi combined his memory with his analysis of the current economic situation, and tried to figure out the policies and economic trends for the next few years, but found that he was still incapable of doing so. Even though he had some memories, many things were still vague, and he could only grasp some of the edges and corners.
"The power of one person is still limited. I can't do it myself, so let the Intelligence and Strategy Committee do the analysis."
Nan Yi muttered something and his mind began to go blank.
When the car stopped at the entrance of the Great Wall Hotel, Nan Yi entered the lobby and nodded to Cao Lin in the coffee shop as a greeting, then took the elevator to go upstairs.
bite!
As soon as the elevator door opened, a voice came into Nan Yi's ears.
"Hi."
