Rebirth of the Super Banking System

the next day

At noon, Tang Qing came to the hotel to sign a loan contract with Zhang Dongqing and his friend. Zheng Xiu didn’t come this time. Think about it, a policeman or a leader who is about to be promoted to a cadre rank is indeed not suitable to participate too much in this kind of thing. It's because you want to help your comrade Zhang Dongqing check and frighten the opponent. This time everyone is familiar with it, and you are not afraid of being trapped. In addition, there are outsiders. Some things should be avoided so as not to cause trouble.

The owner of the clothing factory is called Lu Jianhui. He has been in the clothing business for more than ten years. The factory is not small, with more than a hundred people and a lot of fixed assets. However, it is too troublesome to go through the bank loan process, and small and medium-sized enterprises require very flexible funds. It is high, so he has to use private loans. Before, he usually used money from other homes. The interest rate was high. It could be as high as 2.5 in a short period of one month. But there is no way. You can use it for one month, which is useful for months and six months. , You are going to pay the other party soon and you have to find someone to borrow it again, and these are all costs, time, manpower, risks, etc., how can it be possible not to increase the interest rate.

He had heard that Zhang Dongqing had recently taken a large order and wondered whether he would borrow a month with ample funds, and he was so familiar with it. He believed that Zhang Dongqing would not demand high interest on him, and the two factories were not far from Zhang Dongqing. I also understand the situation of my own factory, and Zhang Dongqing does not need to worry about his ability to repay.

It’s just that Lu Jianhui didn’t expect Zhang Dongqing to have no money at the moment. Most of the money was used to buy equipment to recruit people. Although he was not short of money, he couldn’t spend a lot of money to save himself. Later Zhang Dongqing said the previous paragraph. Lu Jianhui was also surprised at the time to borrow money from Tang Qing. Is there such a low interest rate? There is no difference, so I begged Zhang Dongqing for help, and I began to hear Zhang Dongqing say that the other party was young, but when he saw Tang Qing in a school uniform, Lu Jianhui also had the urge to kill more people.

This time the contract became a tripartite contract due to Zhang Dongqing as the guarantor, so the content of the contract has undergone some changes, but the system style is still rigorous, the terms are clear, and there is no dispute. The contract period is one month, and the repayment date has been changed. The signing is on the second of next month, unless it is determined that he can upgrade before the first, otherwise he will not be able to add risk to himself before signing on the first. After signing the contract, it will naturally be a variety of chat investigation information.

The guarantee contract can also be signed in bank loans. Several companies jointly guarantee each other, but one cannot pay back together. Generally, the same industry guarantees each other. This is also the sorrow of small and medium-sized enterprises. Even if they have asset mortgages, they have to group together to survive. , This is easy to say when the industry is booming, but when the industry is down, it will cause a chain reaction to kill a large number of companies at once, and the risk is very high.

　　 After the meal, Tang Qing asked Zhang Dongqing to leave something to say, while Lu Jianhui paid the bill wisely and left.

　　 "Uncle Zhang, I want to ask something, do you know anyone who is more reliable and needs to exchange US dollars?" Tang Qing asked.

This was what he decided to do after thinking about it for half a night last night. He was really dissatisfied with the speed of his development. After the loan was completed this time, it would be difficult for him to grow his assets on a large scale in a short period of time. It’s too uncomfortable to return to the pre-liberation period. Looking at the 10,000 balance in the account, Tang Qing only feels that the two characters are useless. Which protagonist in the novel is not all kinds of bulls and all kinds of money, but he has the system to pay for it. It's shameful to care about this and that.

　　 So he had to take a risk. Yesterday afternoon, I planned not to use this trick for fear of causing trouble, but now I can’t take care of it so much, and I have never thought about exchanging with the bank, but with a private person. Although there is a risk, please don’t take any risk. Drink Water can be choked to death.

　　In addition, the system did not say what the next level of open currency is. If you open up one Korean won, Japanese yen, Vietnamese dong, or a controlled currency, then it really won’t work.

　　 "Dollar? You have U.S. dollars? Then why don't you go to the bank to exchange it?" Zhang Dongqing questioned

"That's it. My partner has a bit of U.S. dollars in cash, and he wants me to help exchange it. I also make a difference by the way. It's just that the bank review is too troublesome, the quotation is still at a loss, and the exchange limit is also limited, so I want to find a channel to redeem it, first to avoid the trouble of review, and second, to make more money." Tang Qing slowly explained.

　　 This is just an attempt, or that Zhang Dongqing is not sure that Zhang Dongqing can help, but he is ready to start this business. If Zhang Dongqing has no way, he is ready to think of a solution.

As for the direct transfer of U.S. dollars with cash instead of opening a U.S. dollar account by himself, he doesn’t want to cause trouble. Cash exchanges are fine. Cross-border transfers involve money laundering when it comes to trouble. Domestic foreign exchange transfers are completely under strict supervision. At this stage, he can’t operate, although as long as the transactions involving the system are erased by the system or procedurally legalized, this kind of legality is like a firefly in the dark in the country. Needless to say, once you dare to involve a domestic account For the large-scale US dollar exchange, he had to kneel down properly.

"I know someone, because the exchange price of the bank is lower than the international exchange rate after deducting various handling fees, and the review is very strict. I heard that I have to go to the Public Security Bureau to stamp and file if I want to buy US dollars. The procedures are cumbersome. , Each person still has a quota limit, and the reason is not sufficient. Therefore, it is impossible to exchange large amounts in formal channels. However, there are many people in the domestic private sector who need U.S. dollars. Therefore, many such reverse currency markets have been born, but they are small. Tang, you can go to such a black market, how many they can eat." Zhang Dongqing looked at Tang Qing suspiciously after speaking.

　　 "I don't want to deal with them, those people are too dangerous." Tang Qing said truthfully

Of course he also knows that there are such a group of people doing this kind of foreign exchange reselling. After all, there is a huge domestic demand for U.S. dollars. Not only the government, but the private sector also urgently needs U.S. dollars, such as those who go abroad for study, tourism or other reasons. It needs US dollars, but everyone’s annual foreign exchange quota is limited. Later, Tang Qing remembers that it was 50,000 US dollars per person per year. He didn’t know which year it was implemented. It stands to reason that it is basically enough to go abroad for shopping, but it cannot stand it. There are many people with money. Many people don’t want to use their personal quotas or have used them up. Some people want to go abroad for large-scale purchases. Some people use underground money houses to launder money, transfer assets, overseas gambling, and speculate in US stocks and Hong Kong stocks, etc. Some even have strange hobbies. It is not too much to collect and store US dollars or to pay bribes and the like.

Such a huge demand, but domestic banks can’t meet them at all. Even Tang Qing thinks that it’s good if domestic banks can meet 10%. The other 90% is flowed into the private sector by relying on this group of bad guys. Knowing how big the transaction volume is, Jane has reached the point where it is stunned.

　　 The entire private foreign exchange market is basically under supply, and demand has always been very strong, so much money is available.

　　The key is what do these papas do? Part of it is that those countries that want to study abroad or purchase large tourism purchases are not too strict, but a considerable part of them are used for money laundering, smuggling, and illegal transfer of personal assets. It is too dangerous to cooperate with them. And he can't tell the difference between the two, or both are doing these two kinds of business, maybe he will get into it.

Zhang Dongqing nodded as soon as he heard it. The group of people Zhang Dongqing also knew that they were not doing any formal things. They were walking on the edge of the law. In his opinion, Tang Qing's behavior was also illegal, but what is it about him? Even if something went wrong, it was just an insider, and the stronger Tang Qing's strength, the better.

　　 "Well, yes, that line is mixed and messy. You can find them if you want to trade less, but if it gets bigger, it may be jealous, and it will be a lot of trouble at that time." Zhang Dongqing said.

　　 "Yes, my partnership is all over the sky, there are a lot of dollars, but only cash, no transfers are provided." Tang Qing said again

"Okay, I just met a friend who likes a large amount of US dollar cash, an absolute serious businessman, but the domestic control is too strict, business transactions are better to say something, you can go through the normal process, but personally want to hoard a large amount of US dollar cash only through the black market He used to buy on the black market. I don’t know if he needs it now, but if your price is a little more favorable, it shouldn’t be a big problem.” Zhang Dongqing said. As for what Tang Qing’s partner does, he I'm not stupid enough to ask, but for such a large amount of US dollar exchange, the most likely thing is to get foreign exchange from the bank, and secondly, the other party is also a member of the foreign exchange master, but no matter what kind, it has nothing to do with him. He makes friends only to see that the other party is not trustworthy and does not suit his appetite. As for whether it is illegal or not, there is no requirement. If it suits his appetite and there is a valid reason, what about the murderer, he still praises his brothers and brothers. UU reading www.uukanshu. cm

　　 "Okay, no problem, then trouble Uncle Zhang." Tang Qing thanked.

　　 "It's a trivial matter, don't wait for the next time, I will ask him now if he needs it." Zhang Dongqing finished speaking and took out the phone.

Seeing that Tang Qing was very anxious, Zhang Dongqing didn’t want Tang Qing to go back and wait for anxiousness. If a normal friend, he could also show how difficult things were. In the end, the other party was grateful that he had worked so hard as if he had tried his best, but Tang Qing was a friend he recognized, and he didn't need to play this kind of virtual reality. A true friend should have the privilege of a true friend.

　　 Then Zhang Dong called the other party.

　　 "Hey, Brother Liu, what are you up to?" Zhang Dongqing asked in greeting

　　 "Of course it's lunch at noon, what else can I do, what's the matter with Dongqing, you haven't contacted me for a long time." Liu Gan smiled.

　　 "Isn't this busy recently?" Zhang Dongqing said embarrassedly

　　 "Knowing that you took a big order, why didn't you talk to my old brother when I was short of money? It's too far-fetched, I don't think I am a friend." Liu Qian pretended to be angry.

　　 "You are my ultimate weapon, how can I use it so easily?" Zhang Dongqing joked

　　 "Well, you holly, let's talk, what's the matter with me." Liu Gan scolded and said with a smile

　　 "Brother Liu, do you still need US dollars? I have a friend who has a lot of US dollars in cash." Zhang Dongqing said sternly

　　 "I said Dongqing, when did you start doing this?" Liu Gan said

　　 "I am a very good friend, just ask for help." Zhang Dongqing explained.

　　 "Well, how much does he have? I don't want to be without me." Liu Gan said with a smile

　　 "Wait a minute, I'll ask." Then Zhang Dongqing held the microphone and said to Tang Qing, "Xiao Tang, how much do you have there."