Rebirth of the Industrial Tycoon

There is a photo in the newspaper of Li Weidong and a certain leader. Li Weidong is still holding the sign "Donate 50,000 yuan to Xiangyang Town Electric Furnace Factory" in his hand.

As the enterprise with the largest donation amount, this photo of Li Weidong was picked out of course and printed in the newspaper.

Looking at himself in the newspaper, Li Weidong sighed helplessly.

"I really don't want to be in the limelight." Li Weidong said to himself.

At this moment, there was a dog barking outside, it was a disgraced voice.

Ashen-faced are all sensible dogs. On weekdays, there are so many workers in and out of the electric furnace factory, and ashes don't bark indiscriminately. Today, the two dogs barking wildly, something must have happened.

"What happened outside?" Li Weidong walked to the window and looked out.

I saw the gray-headed face squatting in the direction of the gate, as if to warn the people at the gate.

Li Weidong immediately looked in the direction of the gate, and saw a sloppy-looking man who was about to break in, but the gatekeeper stopped the man and prevented him from entering.

"What's going on?" Li Weidong frowned and walked to the gate.

"Old Sun, what happened?" Li Weidong asked the gatekeeper.

"This person wants to come in and doesn't say anything. I didn't let him in, but he insisted on breaking in!" said the old Sun who was the gatekeeper.

And that sloppy human being, Li Weidong, immediately knelt down on the spot and said with a weeping expression, "Are you the director Li in the newspaper? Li Dashan, you have to save our family!"

"I don't know you, do you? Just talk about it if you have something to do." Li Weidong added: "I'm not a great person. The name "Dashanren" sounds very painful."

"Director Li, I know that you have a good heart and are willing to help others. The newspapers said that if you donate money to poor mountainous areas, one donation is 50,000 yuan, and the whole district counts as much as you donate. Send your kindness. , donate some to me too, as if it was our whole family's life!" said the sloppyly dressed man.

Li Weidong frowned slightly, but still asked, "Speak slowly if you have something to say, what difficulties are you encountering at home?"

"My mother has a tumor in her stomach. I went to the Municipal People's Hospital to see it. She wants to have an operation, but the hospital costs 5,000 yuan for the operation fee. Director Li, you are a kind person. A donation is 50,000 yuan. Can you also show kindness and donate 5,000 yuan to me. I will repay your kindness as a cow and a horse. I will kowtow to you first. !"

The man in sloppy clothes knelt down and kowtowed to Li Weidong.

"It turns out that there is no money for surgery?" Li Wendong paused, then asked: "Your mother has a tumor in her stomach. Is it malignant or benign?"

The sloppy man was stunned,

Cai Kaikai said, "I don't know. I'm a farmer, how can I understand that!"

"Where exactly does it grow?" Li Weidong asked again.

The sloppy man still shook his head: "It just grows in my stomach. I'm a farmer and I don't understand anything."

"Is there a doctor's certificate?" Li Weidong asked again.

"Diagnosis certificate?" The sloppy man was stunned for a while, and then said, "I am a farmer and don't understand anything."

"Without a medical certificate, how do I know how your mother's condition is?" Li Weidong asked.

"Anyway, the doctor said that the operation will cost 5,000 yuan, and I don't know anything else." The sloppy man said.

Li Weidong nodded suddenly, and then asked: "Then your mother's attending doctor is the doctor from the Municipal People's Hospital? Which department? What's it called?"

"I don't know. I'm a farmer, and I don't understand this. I just know that the tumor in my mother's stomach needs to be cut off." The sloppy man answered directly.

"I remember the senior director of the Endocrinology Department of the Municipal People's Hospital, who specializes in performing tumor resection operations. Your mother's attending doctor should be the senior director of this endocrinology department, right?" Li Weidong deliberately said the word "endocrinology". is particularly clear.

"Yes, that's what Director Gao said, the operation will cost 5,000 yuan." The sloppy man nodded quickly.

"Aren't you lying to me?" Li Weidong smiled slightly: "As far as I know, the endocrinology department treats hyperthyroidism and diabetes, but regardless of the operation, the department of respiratory medicine has to go to the department."

"I remembered it wrong, it's not the endocrinology department, it's the respiratory department!" The sloppy man said quickly.

"Hehe, looking for a respiratory department to cut a tumor?" Li Weidong smiled coldly: "These days, liars are not professional enough, and they don't do any homework before cheating. I really think that rich people are fools!"

At this moment, a voice sounded from behind Li Weidong: "Weidong, this kind of trouble, let me do it!"

I saw Ma Zhongyi come over.

"You know this person?" Li Weidong asked.

"I know." Ma Zhongyi nodded and let Li Weidong go back first.

Li Weidong nodded and returned to the office first. I saw that Ma Zhongyi said something to the sloppy man. Although Li Weidong couldn't hear it, judging from Ma Zhongyi's stern expression, it should not be a good thing to say.

After a while, the sloppy man bowed his head and left in a sullen manner.

Ma Zhongyi walked back angrily.

"Brother Ma, sent that liar away?" Li Weidong asked.

"Do you see that this person is a liar?" Ma Zhongyi continued: "This kid is a famous second-rate boy in eight townships in ten miles and eight villages. Originally, there were several acres of fertile land in the family. Can have a wife.

But this kid didn't learn well, he didn't know where he learned to gamble, he lost all the house and land in his family, and owed a lot of debt. Now I live by cheating and cheating all day long. I didn't expect this kid to cheat on us. "

"Probably read the newspaper! I think I'm a stupid son of a landlord, so deceiving!" Li Weidong sighed helplessly.

At this moment, there was another sound of firecrackers outside the gate, and after the sound of firecrackers, there was a sound of gongs and drums.

"Who is married?" Li Weidong said subconsciously.

"It's not like marrying a daughter-in-law! It's like a wedding." Ma Zhongyi pouted, and then said, "You don't need to worry about this, I'll take a look."

After a while, Ma Zhongyi returned again and said to Li Weidong: "It's really a happy occasion. I took two packs of cigarettes and wanted to send them away, but I didn't expect these people to have to ask for money! I really think that Ma Zhongyi is easy to bully. Now! I called a few people and beat them away with a stick!"

"Kick away? There won't be any trouble, right?" Li Weidong asked subconsciously.

"Don't worry, don't look at this place! In this Xiangyang Town, there is no one who eats rivers and lakes. Dare to ask me Ma Zhongyi to trouble me! These few people who are rushing for happiness, it is estimated that they have just come out during the slack of the farming season. In the past, those who were always eager to see me, Ma Zhongyi, dared to bargain with me, so they took two packs of cigarettes and left!" Ma Zhongyi said proudly.

As expected of an old local snake!

...

Li Weidong had just settled down for half an hour when President Wu of the bank came to the door.

"Director Li, I haven't seen you for a few days, your business is getting bigger and bigger!" President Wu walked in with two bottles of Wuliangye.

Seeing these two bottles of Wuliangye, Li Weidong felt a little nervous. The bank came to give gifts to the company, it must be a good thing!

The two of them were seated separately, and after they exchanged a few words, President Wu asked, "Director Li, your electric furnace factory, is there any problem with the operation of funds recently?"

"No problem! Our funds have always been healthy." Li Weidong replied.

"Then do you need a loan? I can do it for you!" President Wu said.

"It turned out to be coming to me to get a loan!" Li Weidong smiled helplessly and asked, "President Wu, does this loan have any interest?"

"Of course the loan has interest!" President Wu said.

"How much is the interest? Is there a discount?" Li Weidong asked again.

"Well, the loan interest rate is stipulated by the state. I just want to give you a discount, but I don't have the guts!"

President Wu paused, and then said, "Our bank has to audit every month, and we have to audit it quarterly and half a year. Although I am a president, I have to act according to the regulations."

"President Wu, then you are embarrassing me. Now the one-year working capital loan, the interest rate is more than 10%. I don't dare to loan the interest of more than 10%!" Li Weidong shook his head.

"Director Li's benefit is so good, I'm afraid it won't be enough!" President Wu said quickly.

Li Weidong chuckled: "It's not that I'm afraid that I won't be able to afford it, it's that I don't need it! I'm not short of money now, and I haven't had any investment projects recently. Isn't the loan clearly stating that it will lose interest!"

From the end of the 1980s to the early 1990s, it was a phenomenon that banks came to ask for corporate loans, but other banks charged interest. If the annual interest rate of loans exceeded 10%, banks would of course ask for loans from enterprises.

In other industries, you can earn more than 10% of the net profit while lying down, and the boss will beg all kinds of things.

I just heard Li Weidong ask: "President Wu, many companies are short of funds now. Your bank should not be short of loans. Why do you have to come to me?"

"Other companies, we don't dare to grant them loans. The loan will not be paid by then, and it is not our bank that loses! Now our bank has internal requirements to strictly control bad debts. I am the first for every bad debt in our bank. Responsible person! This loan can't be approved easily!"

President Wu sighed and continued: "In November last year, the state issued a document requiring banks to tighten their money supply, especially in terms of loans, to limit the reduction, and companies that cannot guarantee 100% repayment will not approve loans!

However, our bank still has loan tasks. If we fail to complete the task, everyone will have to be deducted from bonuses. Director Li, your factory's benefits have always been good, and you are still earning money from foreigners. The payment for goods is directly from the foreign exchange administration, and it will not be involved in the triangular debt.

If you lend the money to you, you will definitely be able to pay it back, and our bank doesn't have to take any risk, so I came to beg you, just lend a little money, it is to help us complete the task of loaning! "

The price breakthrough has led to a rise in the prices of raw materials and commodities across the country. In order to stabilize prices, the state has adopted many macro-control measures. Measures for the banking industry include tightening credit, controlling currency issuance, and controlling the total scale of credit. Measures.

The most direct manifestation of these measures is that loans have become more difficult.

After the national policy was issued, in order to control credit and prevent the occurrence of bad debts, banks have become extremely strict in the approval of loans.

Those enterprises that are not well-run in the first place can hardly get bank loans if they take formal channels; and for enterprises with ordinary business conditions, the bank will not approve new loans, for fear of generating bad debts and taking risks.

However, the bank still has the task of lending to the outside world, which is linked to the bonus of the bank staff. Therefore, those enterprises that are operating very well have become the target of the bank's approval of loans, because these enterprises are able to repay the loans.

A well-run business has no financial pressure and does not need a loan. What's more, the loan has to pay interest to the bank, and the loan interest rate of more than 1% is enough to discourage enterprises.

So there is such a situation, companies that need bank loans go to the bank, but the bank will not approve a penny; companies that do not need bank loans, the bank asks for a loan, but the company is unwilling to lend.

"People are afraid of being famous and pigs are afraid of being strong! If it wasn't for the photos of my donation to the Hope Project published in the newspaper, it is estimated that this President Wu would not have come to ask me for a loan!" Li Weidong sighed.

President Wu is not a gambler or a chasing person who cheats money at home. Although they are similar in nature, they all want money, but after all, they have a certain social status, and Li Weidong cannot directly drive people away.

Li Weidong thought for a moment and asked, "President Wu, what is the current half-year working capital loan interest rate?"

"11.34%, which was stipulated in February last year, and has not changed." President Wu replied.

"What is the deposit interest rate for that half-year term?" Li Weidong asked.

"It's 9%, and it was also set in February last year." President Wu said.

Li Weidong recalled and asked, "Is it only 9%? How do I remember that the deposit also has an interest of more than one cent?"

At this time in his previous life, Li Weidong had deposited money in the bank, so I generally remember that the interest on bank deposits in that year was more than 10%.

Just listen to President Wu's answer: "The interest of more than 1% must be a deposit of more than one year. Now the one-year term deposit is 11.34%, the two-year term is 12.24%, and the five-year term is 14.94%."

The interest rate adjustment in February 1989 was the highest interest rate since the reform and opening up, and in April 1990, when the People's Bank of China adjusted deposit and loan interest rates again, the interest rate would drop.

The reason why there is such a high interest rate is to control prices.

The interest rate on bank deposits is high, so people will deposit money in the bank instead of spending it. This method can suppress consumer demand and thus play a role in stabilizing prices.

After successfully stabilizing prices, the bank's interest rate will gradually return to its original state. Therefore, the interest quoted by President Wu this time is the highest figure in decades.

Li Weidong thought for a while, and asked, "President Wu, I have an idea. Listen to me. Can I take out a working capital loan from you for half a year. After the half year expires, I will renew the loan for half a year. Years. And I took this loan and directly deposited a one-year term.

In sum, the interest on the loan is 11.34%, and the loan term is one year; the interest on the deposit is also 11.34%, and the deposit term is also one year. At least I don’t lose money. Your bank is considered to have completed a loan task and a deposit task. "

"That's a good idea!" President Wu nodded suddenly: "Director Li, thank you so much!"

At that time, the state-owned banks were not completely self-financing. The salaries of bank staff, like civil servants, were allocated by the government, and bonuses were paid according to the completion of the deposit and loan tasks.

The operation of taking a loan to deposit, although it cannot bring profit to the bank, can help the bank to complete the task of deposit and loan, and the banker can also get an extra bonus.

At the end of 1993, the state reformed the financial system and realized the separation of policy finance and commercial insurance finance. At that time, the four major state-owned banks became real commercial banks, and they completely embarked on the road of self-financing.

Moreover, the operation of loan re-deposit can only be done during that time, because the country is in the demand of stabilizing prices, and the deposit interest rate is set relatively high, so that there is not much difference between the deposit interest rate and the loan interest rate.

After prices are stabilized, the newly announced interest rate by the state and the gap between deposits and loans will become larger and larger. This kind of operation of borrowing and depositing again is completely unfeasible.

Since this plan is feasible, Li Weidong then asked, "President Wu, how much should I borrow?"

"Anyway, if you don't lose money, it's better to lend more, even if you help us complete the task!" President Wu thought for a while and said, "How about fifty million?"

Li Weidong was shocked, he didn't expect President Wu to be so generous!

The 50 million RMB at that time was enough to go to Pudong to buy a plot of land to build a real estate! Real estate developers in Pudong New Area, think about it.

In normal times, it would be impossible for Li Weidong's electric furnace factory to get a loan of 50 million.

But the plan proposed by Li Weidong now is equivalent to the bank's left-handed and right-handed. The front foot signed the payment agreement, and the back foot immediately signed the deposit receipt. 50 million is always in the bank, and even the location of the move is saved, and the transaction is directly from the book.

Since it was his left hand and his right hand, there was no risk at all, so President Wu dared to approve a loan of 50 million yuan.

"It seems that no matter what age it is, there is a lot of money in the bank!" Li Weidong thought to himself.

However, what Li Weidong and President Wu did not expect was that in April, the People's Bank of China adjusted the interest rate and lowered the half-year working capital loan interest rate to 9%. That is to say, when Li Weidong takes a follow-up loan for half a year, it is calculated according to the loan interest rate of 9%.

And Li Weidong's one-year deposit is still 11.34% interest, but Li Weidong earned an interest difference of 2.34%.

...

After sending President Wu away, Li Weidong felt that he couldn't continue to stay in the electric furnace factory, otherwise he would have to bother to say hello if he came to borrow money again.

The key is to bring some powerful people. If you don't borrow it, you will offend people.

So Li Weidong simply left the electric furnace factory and ran home in a hurry.

Even if you can't be provoked, you can't hide!

Li Weidong also went to the deli on the way, bought some bacon, sausages, air-dried chicken and other things, and took them back to drink wine for Mr. Li Dengke. After all, President Wu had just delivered two bottles of Wuliangye, and he opened a bottle for the old man to taste while it was fresh.

Stopping the car, as soon as he entered the door, Li Weidong shouted at the inside: "Dad, Mom, I'm back!"

However, in the next second, Li Weidong suddenly discovered that there were several bicycles parked in the yard.

"Is this a guest?" Li Weidong thought to himself, then walked to the living room.

In the living room, there were indeed four or five guests sitting, and Mr. Li Dengke was sitting in the master's seat, talking with the guests next to him.

"It looks like they are acquaintances, and my dad still knows them." Li Weidong walked into the room and found that the people who came were indeed acquaintances.

The leader is Luo Bing, the dispatch captain. At this time, Robin is already the director of the second freight department.

In recent years, Li Weidong has left the transportation company, but he still has a little understanding of some things about the transportation company.

After Zhu Shicong became the leader of the transportation company, he reformed the transportation company, separated the freight department and the passenger department from the transportation company, and established a special freight company and a passenger transportation company.

Then Zhu Shicong sent his confidant to serve as the general manager of the freight company and the passenger company.

After the freight company was established, the original freight department was also divided into the first freight department, the second freight department, and the third freight department. Therefore, Luo Bing, the director of the second freight department, only had one-third of the power of the original Zhao Guozhu.

In addition to Luo Bing, the other four guests, Li Weidong, also know each other. They are all master drivers in the transportation company.

"Director Luo, why are you free to come here? Master Fang, Master Huang, Master Huo, Master Ye, you didn't get out of the car today?" Li Weidong greeted a few people.

"I'm still out of the car! I'm about to be kicked out of the freight company!" Master Huang muttered.

Li Weidong found a chair and sat down and asked, "What's bothering Master Huang?"

Luo Bing took over and said, "We have all been suspended!"

"Suspended? Why?" Li Weidong asked.

"Because of taking private work." This time it was Master Huo who spoke, and he continued: "This kind of thing is very common now, everyone does it, but only four of us were checked. So I was suspended."

The so-called piggybacking of private goods means that in the process of transportation, the driver will bring some additional goods. These extra goods are picked up by the driver himself, and the freight is also put into his pocket by the driver.

Under normal circumstances, this kind of goods carried along the way is the weight of 180 catties, and the owners of the goods are basically small self-employed.

Many self-employed people selling clothes, shoes and small commodities could not pack a whole vehicle for transportation. At that time, the logistics industry was not developed.

At that time, it was not a new thing for state-owned transportation companies to take drivers for private work, and the leaders turned a blind eye to this kind of thing.

Luo Bing sighed: "Actually, I have implicated the four masters. This has to start with the consignment sales you made back then. I have always been responsible for this part of the business of the transportation company's consignment sales, and the profits are also Very impressive.

After the freight branch was established, the newly appointed general manager wanted to take back this part of the business. I didn't agree, so he suspended the four masters under the pretext of carrying private goods. The four masters are all from our No. 2 Freight Division, so I, the Division Chief, are also responsible and have also been suspended! "

"Director Luo, the new general manager is the three fires of the new official's appointment. Since he wants the business of consignment sales, you can give it to him! Anyway, if you make money, it is still the freight company." Li Weidong said.

"The key is that they want to swallow this part of the profit." Luo Bing continued; "In the future, the freight will be sold to the freight company, and the profit from the sale has nothing to do with us front-line drivers. It was handed over to the head office and entered the small treasury of the company leaders."

However, it is not a new thing for any unit with production and operation income to have a small treasury.

This kind of small treasury is basically the private money of the main leaders of the enterprise. It is not uncommon for them to be greedy and monopolize, and to enrich their own pockets in the name of entertaining guests, giving gifts, and doing business.

"So that's the case! When I was in the transportation company, I made several million sales profits from consignment sales. After the price rises, the profits should be more!"

Li Weidong nodded suddenly, and then said: "I guess Zhu Shicong has long been jealous of the profit of Yiyun's consignment sales for a long time. He can wait until now to start, and he is quite patient."

Li Weidong said, looked at Luo Bing and the four masters, and asked with a smile: "This is a consignment sale, I did it back then, shouldn't the masters blame me and come to me to settle accounts after the autumn? Bar?"

"Xiao Li, you're thinking too much! You used Yunyun as a consignment to make more money for the company. How could we blame you!" Master Ye said.

Luo Bing took over the conversation again and continued: "In this situation, although the company will not fire us, we don't know how long the suspension will last. If we are unlucky, we will be suspended until retirement! Go to work without pay, get out of the transportation company, and drive and transport by yourself!"

"This is a good way. Several of them are old masters and are familiar with the routes. Director Luo also has a lot of connections, so finding sources of goods is definitely not a problem. If you want to go out and run the transportation yourself, you will earn tens of thousands of dollars a year. It's definitely no problem." Li Weidong said.

"We think so too." Luo Bing put on a distressed look, and then said: "But we don't have the money to buy a car! So I came to you to borrow money."

"Yeah, Xiao Li, I know that you are making a lot of money now, and donating money to people you don't know in impoverished areas is 50,000 yuan. I have known you and your father for more than ten years, and you can be regarded as my childhood. As you grow up, you have to help us!" said Master Fang, who had never spoken.

"Little Li, how much is a car, you know, even if we spend all our money, we can't afford a car! We don't have any rich relatives, so we can only ask you for help!"

Li Weidong sighed helplessly: "Come on, I've come to borrow money after a long time of trouble. I've already gone home, but I still can't hide! I really think of me as Li Dashan!"