Seeing Yan Qichang's flushed face and stunned, Yi Zhixin knew that he needed time to digest, so he turned his head to look at Yan Shikuan and said, "Is there a cigar?" "When he went out early in the morning, he didn't smoke a cigarette, and he was really addicted to smoking.

"Yes, yes." Yan Shikuan nodded busily and said: "Knowing that the third brother loves to smoke, he specially asked people to go to Huangpu to buy two boxes of high-quality Cuban cigars from the foreigner's first officer." With that, he hurried out, and soon brought two boxes of cigars.

Skillfully lit a cigar, Yi Zhizhi said: "Don't hide it from Yan Shibo, Tianbao Watch Factory can't make a big profit in three years, and the repayment of these three years has to rely on Xingtai Xing's own ......." ”

Yan Qichang didn't rarely see foreigners smoking cigars, but he didn't expect these two boys to smoke well, and he groaned for a while before he spoke: "As long as Xingtai Bank can repay the loan every year, whether it is a foreign businessman or a supplier, it will give priority to Xingtai Xingxing's ......." ”

"I wonder if Yan Shibo has a specific repayment plan?" Yi Zhifen interrupted him very rudely and said, "Pay off the arrears in a few years, how much in a year?" Is the principal and interest repaid together? Or is it only the principal? How much profit does Xingtai Bank make in a year? ”

Yan Qichang was stunned for a moment, he really hadn't thought about this, and it was impossible for him to think of it, and after a little hesitation, he said tentatively: "The virtuous nephew has high opinions, but it doesn't hurt to say it." ”

Yi Zhizhi is not hypocritical, and said directly: "Xingtai Bank has now entered the liquidation stage, if it can't come up with a plan that is significantly higher than the repayment agreement of the Thirteen Banks, foreign businessmen will definitely not agree, and foreign businessmen are not stupid, it is impossible not to know that Tianbao Watch Factory can't get decent profits in the first few years, they can't afford to wait, and they can't afford to delay."

In order to let the foreign businessmen take the initiative to withdraw the accusation, Xingtai Bank can pay them a little interest, but it must not be high, of course, in this way, the repayment period can not be delayed too long, five or six years is the best, otherwise the foreign businessman will not agree.

Even if the six-year term is over, the annual repayment amount of Xingtai Bank is roughly around 500,000 yuan, I wonder how much profit Xingtai Bank can make in a year? ”

Repay 500,000 yuan a year! Yan Qichang gasped, with this ability, Xingtai Bank will not fall to the point of bankruptcy and bankruptcy, now the business of the Thirteen Banks is not good, under normal circumstances, even if Xingtai Bank has a group of creditors to take extra care, it will be able to have a profit of 100,000 yuan a year.

But Yi Zhi's contentment is not unreasonable, the repayment period is long, and the foreign party will not agree, unless the interest is paid as usual, but the general annual interest rate of foreign businessmen's arrears is as high as two yuan, more than 2 million debts, and the interest alone is as high as 500,000 yuan a year, and paying interest is impossible!

Isn't this still a dilemma? Yan Qichang glanced at Yi Zhixiang, this kid knew that this was the case, why did he still save Xing Taixing? Does he still have a way to make Xingtai Xingxing earn 500,000 a year? No way! If he really had such ability, Fu Tai Xing would not be the same as it is now!

Thinking of this, a thought suddenly flashed through his mind, yes, this kid must mean this!

Seeing that his father was silent for a long time, Yan Shikuan said: "Third brother, don't hide it, if there is any way, you can say that Xingtaixing's situation is already bad and can't be worse, as long as you can repay the debt, even if it is a sea of swords and fires, Xingtaixing has to break through." ”

Gently knocking on the cigarette ash, Yi Zhizhi said slowly: "I can't repay 500,000 yuan a year, but I can get a loan for Xingtai Bank." ”

Hearing this, Yan Qichang's eyes lit up, there is a way that it is difficult for a good woman to cook without rice, even if there is a profitable business in front of her, if you have no money, you can only stare dryly, what Xingtai Bank needs most now is to borrow! However, with Xingtaixing's current situation, who would dare to lend to Xingtaixing? Could it be the Wu family?

Thinking of this, Yan Qichang's heart was hot, and he hurriedly said: "Nephew Xian, tell me quickly, how to borrow, how much can you borrow?" ”

"The little nephew and Wu Changqing are going to contact the children of the Thirteen Lines to open a money bank." Yi Zhizu said slowly: "Although the money village is not opened in the name of the Thirteen Banks, it will take over some of the foreign trade business of the Thirteen Banks, because the scale of Pinghu Gong is not allowed to be too large, so only one company is allowed to invest up to 50,000 silver dollars."

Shareholders can give priority to low-interest loans from the bank, Xingtai Bank has a special situation, and it should be no problem to borrow 50,000 yuan and 250,000 yuan. ”

If you borrow 200,000 yuan out of thin air, and it is still at a low interest rate! Yan Qichang couldn't help but be overjoyed, and after thinking about it in his heart for a while, he said eagerly: "In addition to repayment, Xingtai Bank always has some capital turnover, can you borrow another 100,200,000?" ”

Yi Zhisuff said with a smile: "Shibo has a good way? ”

Yan Qichang nodded, and said in a deep voice: "Don't worry, even if Xingtai Bank goes bankrupt, it will not affect the virtuous nephew, as long as you can survive the catastrophe in front of you, Xingtai Bank has its own way to repay the debt!" ”

With a repayment of 500,000 yuan a year, is Xingtai Bank sure? Yi Zhishu glanced at him and said softly, "Shibo is going to smuggle Ah Furong (Crow. Piece)? ”

was easily satisfied, Yan Qichang was not surprised at all, in addition to smuggling A Furong in Guangzhou, what other business can make 500,000 a year? This kid asked knowingly, but he didn't break it, and nodded: "With Xingtaixing's current situation, there is no second way to go except for smuggling A Furong." ”

Yi Zhishu asked with some curiosity: "Did the Thirteen Merchants smuggle A Furong?" ”

"Probably not, at least not on the surface." Yan Qichang said: "If the merchant is involved in harboring and smuggling A Furong, once it is caught, he will be fined fifty times the amount of smuggling.

Besides, if the merchants were involved in smuggling, they would not be so embarrassed, and Guangzhou now smuggles 30,000 boxes of Afurong every year, even if the merchants only transfer from it, it will be millions of profits every year.... ”

This was to the point, Yi Zhizhi nodded, the merchant is a monopoly on foreign trade, and smuggling A Furong has great convenience, as long as he transfers a hand from it, the family will not borrow usury from foreign businessmen, and he groaned slightly, and then he said: "That Xingtai is not afraid of a fifty times fine?" ”

"Don't be afraid." Yan Qichang said simply: "As long as Xingtai Bank does not smuggle with much fanfare, even if the Thirteen Banks, Guangdong Customs, and the Governor's Mansion are aware of it, they will turn a blind eye, and no one is willing to bear the debt of more than 2 million." Saying that, he sighed lightly, "The old man has figured it out now, stretching out his head is a knife, and shrinking his head is also a knife, so it's better to let it go." ”