Reborn Super Bank System

the next day.

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, and think about it, a policeman is still a leader who is about to be promoted to a cadre rank, it is really not suitable for too much participation in such things.

Before, it was because of helping comrade-in-arms Zhang Dongqing to check and frighten the other party. This time everyone is familiar with it, and they 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 has 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. High, so he also had to use private loans.

In the past, money from other homes was generally used, and the interest rate was high, even 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. The customers are stable. Find someone to lend it out again, and these are all costs, time, manpower, risks, etc., how can it be possible without higher interest.

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 himself, 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 talked about borrowing money from Tang Qing some time ago. Lu Jianhui was also surprised. 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 really saw Tang Qing in a school uniform, Lu Jianhui also had the urge to kill someone more.

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, and 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, a chain reaction will kill a large number of companies at once, and the risk is high.

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

"Uncle Zhang, I want to ask something, do you know anyone who is more reliable and needs to exchange 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 his own development speed. 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 go back to the pre-liberation period. Looking at the 10,000 balance in the account, Tang Qing only feels that the two characters are awkward. Which protagonist in the novel is not a variety of bulls and a variety of riches. 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. Water can be choked to death.

In addition, the system does 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, it really won’t work.

"U.S. dollars? You have U.S. dollars? Then why don't you go to the bank to exchange them?" 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. It's just that the bank review is too troublesome, the quotation is quite a loss, and the exchange limit is also limited, so I want to find a channel to exchange it out, first to avoid the trouble of review, and secondly 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 need to use cash instead of opening a US dollar account to transfer US dollars directly, he does not want to cause trouble, and cash exchange is enough. When cross-border transfers involve money laundering, it will be troublesome.

The domestic foreign exchange transfers are completely under strict supervision and cannot be operated at this stage. Although transactions involving the system are erased by the system or procedurally legalized, this kind of legality is dark in China. Like the Firefly, needless to say, once you dare to involve a large-scale dollar exchange in your domestic account, you can kneel down properly.

"I know someone, because the exchange price of the bank is lower than the international exchange rate after subtracting 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. , There is a quota limit for each person, and there is no exchange at all for insufficient reasons.

Therefore, large-amount exchange is absolutely impossible in formal channels, and there are many people in the domestic people who need US dollars, so many such reverse currency markets have been born, but you can go to such a black market, Xiao Tang, they can be able to 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 such a group of people are doing this kind of foreign exchange reselling. After all, there is a huge domestic demand for US dollars.

Not only the government, but the private sector is also in urgent need of U.S. dollars. For example, those who go abroad for study, tourism or other reasons need U.S. dollars, but each person's annual foreign exchange quota is limited. Later Tang Qing remembers that it is 50,000 U.S. dollars per person per year.

He doesn't know which year it will be implemented. It stands to reason that going abroad for shopping is basically enough, but it can't hold back the wealthy. Many people don't want to use their personal quota or have used it up, and some people want to go abroad for shopping.

There are also people who use underground money houses to launder money, transfer assets, overseas gambling, and speculate in US stocks and Hong Kong stocks, and even some people who have a strange habit like to collect and store US dollars or pay bribes.

Such a huge demand.

However, domestic banks simply cannot satisfy.

Even Tang Qing thinks that domestic banks can satisfy 10% of the total. The other 90% are flowed into the private sector by this group of bad masters. One can imagine how large the transaction volume is. The point of tongue.

The entire non-governmental foreign exchange market is basically in short supply, and demand has been very strong, and the amount of funds can be covered.

The key is what are these papas used for?

Part of it is that those countries that want to study abroad or purchase large-scale tourism are not too strict, but a considerable part of them are used for money laundering, smuggling, illegal transfer of personal assets, etc. It is too dangerous to cooperate with them.And he can't distinguish between the two, or both are doing these two kinds of business, maybe he will get into himself.

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

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

"Okay, I just met a friend who likes a lot of US dollar cash, an absolute serious businessman, but the domestic control is too strict, commercial transactions are good to talk about, you can go through the process normally, but I personally want to hoard a large amount of US dollar cash only through the black market .

He used to buy it on the black market. I don’t know if he needs it now, but if your price is a little bit more favorable, it shouldn’t be a big problem."Zhang Dongqing said.

As for what Tang Qing's partner is doing, he was not stupid enough to ask, but for such a large amount of US dollar exchange, the most likely reason 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 unsatisfactory. As for whether it is illegal or not, there is no requirement. If it is appetite and there is a legitimate reason, what about the murderer, he still praises his brothers and brothers.

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

"It's a trivial matter. Don't wait for the next time. I'll ask if he needs it now." 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 still 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.

Immediately Zhang Dong got through the other party's phone.

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

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

"Isn't this busy these days?" 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 can I do?" Liu Gan 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 Holly, 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? Don't want me without me." Liu Gan said with a smile

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