City Start Striving for Becoming a Rich Man
Chapter 793
Chapter 793
But this is nothing. Many college students will go out part-time during the holidays. Maybe this person has already worked in a similar position.
The interpersonal relationship in the workplace in Hancheng is actually very weak. The elderly will not take the initiative to help you unless it is your superior, under the premise that your performance will affect the income of others.
Otherwise, you just wait for yourself to explore it slowly!
Or you can slowly dig out the information you need in the barbecue you entertain.
It is a rare thing to treat each other with colleagues. Basically, they pay their own bills. Therefore, dinner parties are also rare, unless they have been a colleague for a long time.
Except for dinner with everyone on the first day, Yin Zhengxue has not received any invitations at other times.
Ok! On the first day, Yin Zhengxue invited all colleagues in the same department!
However, it is the same everywhere. It is difficult for colleagues to develop friendships, and many people do not recommend making friends with colleagues. It’s okay if it is two unrelated positions, but if there is a competitive relationship between you, just wait for the relationship to break down one day!
After pretending to be serious about making sales calls for three days, Yin Zhengxue was actually looking through the bank’s internal information when no one was paying attention.
For example, he now knows that the loan rate of the Nanchao Bank is 130%, that is, the Nanchao Bank has 100 yuan, but the loan is 130 yuan.
As for why there is only 100 yuan in principal, 130 yuan can be loaned out, so I have to talk about what is called a bill of exchange.
Drafts are produced with the development of international trade.
Buyers and sellers of international trade are far apart and the currencies used are different, so settlement cannot be done as easily as domestic trade. There is a longer process from the exporter sending the goods to the importer receiving the goods.
During this period of time, one party must provide credit to the other party, either the importer provides payment or the exporter sells the goods on credit. Without the guarantee of a strong intermediary, importers are afraid that they will not be able to receive the goods after payment, and exporters are afraid that they will not be able to receive the goods after they have been paid. This kind of international trade will not proceed smoothly.
Later, the bank participated in international trade and acted as an intermediary between the importer and exporter. The importer issued a letter of credit to the exporter through the issuing bank and guaranteed to the exporter: After the goods were shipped out, the exporter would submit a full set of letters of credit to the negotiating bank on time. The payment can be received on the receipt.
The negotiating bank issues the payer’s bill of exchange to the issuing bank. The issuing bank guarantees to pay after seeing the negotiating bank’s bill of exchange and a full set of L/C documents, and at the same time guarantees to the importer that they can receive the payment in time. Imported goods receipts, pick up the goods at the port.
Drafts are divided into bank drafts and corporate drafts.
Bank drafts are endorsed by the creditworthiness of the bank, which generally have relatively high security; while corporate drafts are endorsed by the creditworthiness of the company. If the company goes bankrupt, your money will actually be in vain.
Today’s companies are generally limited liability companies, which only bear limited liability. If they go bankrupt, they don’t have to bear a lot of debts. For example, a bill of exchange issued.
Besides, even if the company is still willing to take on debts, in which month and year can you get the money?(Read more @ wuxiax.com)
What if the business owner can never turn over?
Business drafts are generally unwilling to accept by merchants, but there is also a phenomenon of bullying.
For example, you are a raw material supplier for a large company, and a large company is just to open a corporate draft for you. Can you accept it? If you don’t accept it, then don’t do it. Some people are willing to do it!
When raw material suppliers do this kind of business, they are always in fear every day. Large-scale companies will give you some tricks, and you will wait for bankruptcy and debt every minute.
Besides, large enterprises are not without the risk of closing down!
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Let’s not talk about corporate drafts any more, but let’s go back to bank drafts.
There are also two common types of bank drafts. Bank drafts and bank acceptance drafts are commonly used among companies. The former requires the company to be in the bank and have the full amount to apply for a draft of the corresponding amount.
That is, if you want to open a bank draft of 1 million yuan at the bank where the account is opened, you must have a deposit of more than 1 million yuan in the bank’s account.
The latter depends on the bank’s credit line to the enterprise!
Generally speaking, the company pays a part of the deposit to the bank, and the balance can be mortgaged. For example, if a bank acceptance draft is issued for 1 million, the company pays a 30% deposit of 300,000 to the bank. Other 700,000 companies can use land, plant, warehouse receipts and other mortgage , If the company has a good reputation, it is also possible that the full amount can be issued as long as part of the deposit is paid.
And corporate reputation, these four words, are actually very illusory. In addition to the judgment of objective facts, whether the reputation is good or bad is also full of human feelings and sophistication. Some business owners will make money more, and some will not make money.
The credibility of companies that make money is definitely better than those that don’t make money!
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A bill of exchange generally has an acceptance time, that is, the bill issued today. The acceptance time may be today next year. You can accept the amount on the bill when you go to the bank today next year…
Of course, you can also accept in advance, but early acceptance requires a discount. Simply put, if you accept in advance, you will be deducted a little money.
But money can only be called money in one’s own hands, so generally those holding drafts are willing to lose a little money and accept it in advance.
Or, pay this bill of exchange, for example, to a supplier of raw materials, or merchants in other links, and the bill of exchange is circulated in this way.
The Southern Dynasties Bank is even more evil. It also has a money order secured loan business, that is, business owners can take the money order to mortgage the loan.
As long as you take out the bill of exchange and give you a discount according to the denomination on the bill, it is easy to lend you the money. What makes Yin Zhengxue ashamed is that the corporate bill of exchange can also be loaned from the Southern Dynasty Bank.
You said that if it is a bill of exchange from one of the largest large companies, it would be regarded as the bank’s confidence in the country’s economy. However, this CSG retail only has more than 20 chain convenience stores in Hancheng. Can take a loan?
Yin Zhengxue really wanted to open the heads of the Southern Dynasties Bank executives to see if there was all paste inside. But this is also a good thing. Without the stupidity of the Nanchao Bank’s senior management, how could Yin Zhengxue be given a chance to swallow the Nanchao Bank.
·················
Yin Zhengxue, okay, confess, stop pretending, there is nothing Yin Zhengxue, this is actually Ni Shixiao!
Yin Zhengxue is just a disguised identity created by Ni Shixiao!
“President Li, please here.”
Ni Shixiao welcomed Li Zicheng into the meeting room.
“Chairman Li, this is a template of the contract. I don’t know how much money you plan to invest?”
“five billion!”
Li Zicheng opened his hand and motioned to Ni Shixiao and Zhao Zhenyu.
“Thank you, Mr. Li, for being able to trust our Southern Dynasty Bank.” Zhao Zhenyu said politely.
“No, no, I don’t trust your bank. I trust this Mr. Yin Zhengxue. The investment plan he described to me touched me.”
Zhao Zhenyu took a glance at Ni Shixiao. He didn’t expect that this kid had only been here for three days, and he would attack such a big customer. He deserves to be a doctor who has returned from studying abroad. .
Read more @ wuxiax.com. Chinese MTL Fan-Fiction/Second Element novel can be read @ HotMTLNovel for free.
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