20 years of restarting life

Chapter 2767 Zhao Changan who loves eating watermelon

Zhao Changan had expected that it would not be easy to get the 56 billion loan. At least he had to return to China to sign the loan, so he bought a flight from Seattle to Mingzhu at around o'clock tomorrow morning, but he would need to stop in San Francisco for three hours.

However, he still had to ask about some things in advance, and try his best to avoid bothering two people, so as to avoid having to contact other banks for loans at the last minute after returning home.

"Zhou Xing, can you tell me something? Does our bank have this much capital in hand recently?"

It is impossible to say that banks have no money, but the economic development of the Yangtze River Delta has leapt forward in recent years and the demand for loans has been strong.

Zhao Changan still had to ask clearly, otherwise he would say that the quota was not enough and wanted to get rid of himself with tens or hundreds of billions.

"You want it so urgently, and you want it offshore, which is definitely a bit troublesome, but it's not a big problem. I'll have another meeting this afternoon to coordinate everything. We can't just do it in one go. But regarding the interest rate,——"

"How about this according to the old rules?"

Zhao Changan.

"Okay, Mr. Zhao is a straightforward person! I will also emphasize this point."

President Zhou's voice on the phone became even more cheerful: "For such a large loan, President Zhao still agreed to use the normal interest rate. This magnanimity alone is worthy of our admiration as bankers."

'It's a bit troublesome, but not a big problem', what he meant was that it could be solved, but complaining is always necessary, in this society you get candy for your tears.

And Zhao Changan was not willing to get entangled in cutting down the interest over such a small amount.

Because he estimated that as long as RIM goes smoothly, there is a high possibility that the stock price will reach more than $40 by the end of next year.

即使赵长安以36.6的价格，溢价53%拿货，可36.6和40之间的溢价也有3.4，将近10%。

The annual interest rate of the loan is 5.94%. With a 4% annual interest rate difference, Zhao Changan still makes money.

Mingzhu Bank can earn nearly 10 billion yuan in interest in three years. Even if it deducts the difference based on the three-year deposit rate of 2.70%, it can still earn an interest difference of 4.5 million yuan.

More importantly, after the two years of slight stock price increases, Zhao Changan is confident that within the next three to four years, it will not be impossible for BlackBerry's stock price to exceed $100.

It is easy to say that these 4% shares are easy to get, but it is very likely that you will miss this opportunity. It will be very difficult to buy them at such a low price again.

Moreover, you cannot always expect to have all the benefits in any matter, wanting a large loan and enjoying low interest rates at the same time.

Of course, this is not impossible, but you just have to be sensible and put in all your effort off stage.

To put it bluntly, it is gift-giving; to put it more politely, it is rent-seeking.

The interest on 10 billion yuan can be cut to about 8 million yuan, of course, it is possible that it is even lower. Then after paying 5.4 million yuan in interest to depositors, the bank can basically get a total interest of 2.6 million yuan in three years.

This makes sense.

As long as you do your best, you can get a loan, but according to unwritten rules, you have to come up with at least 50 or 60 million yuan in activity funds.

However, for Yinnano, this actually means that it has saved 1.5 million yuan in three years, but once the truth comes out, it will be fatal.

Moreover, Yinnano is holding this interest rate. Bystanders are not fools. It will definitely tarnish Yinnano's clean image. No matter how you look at it, it is not worth the loss.

—— Moreover, when doing business, one must learn to share profits and must never excessively pursue maximizing financial gains and eat alone.

Only in this way can you establish a good benchmark image for yourself and your company, and others will be willing to deal with you.

Just like last summer, Meng Xuedong established an investment company in Gotham City with the support of Zhao Changan, with Zhao Changan holding 86% of the shares, Meng Xuedong 4%, and Xu Yue's ten partners each holding 1%.

However, one of the partners felt that the 1% stake was too small and he had to go to the University of California, Berkeley for graduate studies, so he voluntarily gave up the 1% stake and took nearly 1 million in compensation.

So far, the annual dividend for Xu Yue and other nine people is estimated to be no less than 7300 million RMB each.

In addition to salaries, bonuses, and various welfare benefits, the total income of each of the nine of them this year will exceed 9 million RMB, which is more than 8000 times the compensation received by the one who withdrew last year.

As a company of Yinami Holdings, Zhao Changan has always pursued the policy of high salary, high welfare and various humanistic care.

While companies have been strictly controlling risks and cracking down on bad phenomena such as rent-seeking, profit-sharing, embezzlement and bribery, the approval of employee reimbursements is very lax in many aspects.

Just like Jim, Zeng Hao, and Zhou Kexin at the North American headquarters, each of them has office expenses ranging from US$15 to US$5 per month. Accommodation, meals, transportation, telephone, and even clothes, tobacco, alcohol, cosmetics, mobile phones, and home appliances can all be reimbursed.

After Li Xin took over Jim, she would also have a monthly quota of 15 US dollars, which is nearly 1500 million RMB a year in China.

In a word, since you have chosen a person, if you want the horse to run, you have to feed it good grass.

After making the call, Zhao Changan put down his phone, pressed Zhou Kexin down again, and naturally spread her thighs with his knees like flowing water.

Men’s distress is that the women in this world are so pretty, attractive and beautiful, all with such charming postures like spring orchids and autumn chrysanthemums, each with its own charm.

After a man has eaten the Black Beauty, he still wants the Kirin Melon, and then he wants to try the Red Jade Melon.

After all, although they are both called watermelons, the appearance and taste of watermelons are different.

If all women in the world looked the same, and there was only one variety of watermelon in the world, then men would no longer worry about the issue of choice and reluctance, and would become extremely loyal to love and marriage.

This funny thought flashed through Zhao Changan's mind. He looked down at the pretty Zhou Kexin and asked with a smile, "You are almost 30 years old, and you still take Yuting. When are you going to have a baby? I made a promise to your parents that I will let you have a baby as soon as possible."

"You persuaded Qin Xiaolu and now you persuade me. If you want to have a baby, go find Li Mei. She is young, has a big butt, and is still a virgin. She is prettier than me."

Zhou Kexin twisted her waist slightly to make it easier for Zhao Changan to say, "You are not my father or mother. I have heard so many naggings in my country, and I have to listen to your nagging here. Wait, I won't consider it before I am 35 years old. Women still need the nourishment of men. I used to think that I would probably go through menopause before I was 35.

But since I slept with you, I feel that my whole body is growing backwards, the melasma on my face is disappearing, and my menstruation is less and shorter. This time it was like running water, and a lot of blood stasis came out, so I can play for a few more years, and it will be okay. Zhao Changan, are you taking ginseng fruit to nourish yin and beautify your skin? "

"How do you know that I persuaded Qin Xiaolu? And Li Mei is still a virgin. Did you open her eyes and see?"

Zhao Changan was very surprised that Qin Xiaolu had really become a banana person after staying in Country M for so many years.

Such a private matter between men and women is actually shared with others to exchange experiences.

But to be fair, Zhao Changan thought that he was much better than Zeng Hao in this aspect. So although he felt a little embarrassed when the two women compared him to Zeng Hao, Zhao Changan felt very proud in his heart.