Chapter 344 WPG0343: There must be a reason behind the complicated regulations!
What Zhou Xiang calls an extreme situation is, of course, a situation where the borrower is unable to repay the debt.
Of course, An Wuyang also knew the meaning of extreme situations. He responded, "If there is a problem of debt default, we will deal with it on a case-by-case basis."
"First of all, we need to distinguish whether it is a malicious default or a helpless default." An Wuyang classified debt defaults.
"Take the 10-year Lianghuanxi loan as an example. With an annual interest rate of 2%, you can calculate the repayment amount of the two repayment methods of equal principal and interest and equal principal, as well as the corresponding interest amount." An Wuyang signaled Zhou Xiang and Zhou Sheng to calculate the corresponding data.
Zhou Sheng directly took out his mobile phone, opened the loan calculation app developed by Shengqing Commercial Bank, and entered the situation explained by An Wuyang.
The loan amount is 250,000 Xia Guoyuan, the annual loan interest is 2%, the loan term is 10 years, the repayment method is first [equal principal and interest], and then click to calculate.
Zhou Sheng sent a screenshot of the relevant information to An Wuyang, and then simply explained, "Mr. An, I have sent you a screenshot of the information related to equal principal and interest. According to the situation you explained, the total interest in ten years is about 22,000, 120 months During the repayment period, 2272.45 yuan needs to be repaid every month.”
(↑10-year term + equal principal and interest)
An Wuyang looked at the pictures sent by Zhou Sheng.
Zhou Sheng continued to send the repayment method of [equal principal amount] to An Wuyang.
"This is information related to equal amounts of principal." Zhou Sheng explained.
(↑10-year term + equal principal)
"Under the repayment method of equal amounts of principal, the total interest in ten years is also more than 22,000 yuan, and the difference between the two is more than 600 yuan, but the first month's repayment reached 2,447.92 yuan, but the subsequent repayment amount decreased month by month. The last month's repayment amount is 2,086.37 yuan." Zhou Sheng looked at the loan calculation app on his mobile phone to explain the situation.
An Wuyang quickly checked the relevant pictures and responded, "If it is a ten-year period, whether it is equal principal and interest or equal principal, there is not much difference between the two."
Zhou Sheng seconded, "That's true."
"Calculate the situation in 20 and 30 years." An Wuyang ordered.
Zhou Sheng immediately used the loan calculation app to calculate the relevant information, and then sent a screenshot of the corresponding information to An Wuyang.
“In the case of 20 years, the total interest difference between the two repayment methods is not big, only a difference of more than 2,000 yuan; when the loan is for 30 years, the total interest difference between the two only reaches more than 5,000 yuan. "Zhou Sheng explained simply.
Because An Wuyang could check the pictures to get the specific information, and he didn't need to explain.
(↑20 years + equal principal and interest)
(↑20 years + equal principal)
(↑30 years + equal principal and interest)
(↑30 years + equal principal)
An Wuyang quickly looked at the corresponding pictures.
A 250,000 yuan loan with a 10-year term would cost more than 2,000 yuan a month to repay, while a 20-year loan would only cost more than 1,000 yuan. There is actually no difference in repayment pressure between a 30-year loan and a 20-year loan. big.
At least An Wuyang doesn't look big.
"For poor families, there may be some repayment pressure with a ten-year loan period, but in the case of a twenty-year or thirty-year loan, I don't think the pressure will be too great." An Wuyang explained.
Then he continued to add, "If a poor family chooses a 20-year or even 30-year loan and still defaults on their debt, we have to determine whether it is a malicious default."
"For example, if you clearly have money but refuse to return it with malicious intent, then we will initiate legal proceedings." An Wuyang explained the solution.
Zhou Sheng asked hesitantly, "Then who among us will be responsible for the follow-up accountability?"
Accountability means more costs, whether it is human resource costs or travel costs, these are all costs.
After all, the poor families receiving the loans may not be in Shengqing, but may be anywhere in the country.
If Shengqing Commercial Bank is left to handle it, Shengqing Commercial Bank will pay more costs.
An Wuyang naturally understood these situations, and he replied with a smile, "If it is in Shengqing, then let it be handled by you. If it is outside Shengqing, let it be handled by us on the fifth watch."
"Actually, I want to believe that there are more good people." An Wuyang added.
These accountability measures should only deal with a small number of people.
"Thank you, Mr. An, for your understanding." Zhou Sheng breathed a sigh of relief.
"Now there is only one last question left!" Zhou Sheng added.
An Wuyang made a 'please' gesture, indicating to Zhou Sheng to explain the specific content of the last question.
"Has Mr. An considered the specific terms of our drawer agreement?" Zhou Sheng asked.
"According to Mr. An's wishes, you, Wugengtian, are willing to take full responsibility for the repayment of the Lianghuanxi loan of 250,000 yuan. We don't have to actually transfer the 250,000 payment to you, Wugengtian. This operation is theoretically fine." Zhou Sheng recounted .
"But the problem lies in the process. For our Shengqing Commercial Bank, there is indeed a commercial loan disbursement of 250,000, and we need to record it in the account." Zhou Sheng added.
"For you, Wu Geng Tian, there is indeed a business income of 250,000 Xia Guoyuan, which must also be recorded in the account and included in your tax information." Zhou Sheng continued to explain.
"After all, in terms of tax procedures, we, you, the patient's family, have formed a transaction, and the taxes that should be paid will still exist. And because you don't collect money at midnight and we don't actually spend 250,000, we won't pay this One transaction is taxed," Zhou Sheng added.
This is indeed a big problem!
Shengqing Commercial Bank and Wu Gengtian can indeed sign a drawer agreement to bypass the actual payment issue of the 250,000 loan, but how is this transaction handled in the tax system?
Is it necessary to evade taxes?
That's impossible!
Xiao Qingyue was recording carefully on the side. She knew that this was another explosive issue. If this issue could not be solved, all the plans set by An Wuyang would be negated.
An Wuyang responded calmly, "We will directly follow the transaction process. We will pay the accounts that need to be paid. We will pay the taxes that need to be paid on the next day."
"Our drawer agreement is very simple. Your Shengqing Commercial Bank will provide unsecured commercial loans to poor families after our review on Wugengtian, and we will provide full guarantee for the commercial loans of poor families on Wugengtian." An Wuyang explained.
"After your payment is sent to Wugengtian, Wugengtian will return the corresponding amount to you. The drawer agreement between us is that Wugengtian will use the 250,000 payment as collateral to provide a full guarantee for poor families." An Wuyang explains in more detail.
"It's equivalent to 250,000 Xia Guoyuan transferred from your side to ours, and then transferred back again. It's just a circle, you have no loss." An Wuyang concluded.
As for the loss
Of course it’s the fifth watch day that takes the responsibility!
This is actually not correct.
The actual cost of Lianghuanxi is actually not high. As long as poor families are willing to repay the money, Wuguangtian is also profitable, but the benefits are delayed for ten to thirty years.
Perhaps most companies cannot accept such a thing, but An Wuyang is willing to accept it. "Mr. An, why are you doing this?" Zhou Sheng couldn't help but said something from the bottom of his heart.
"The risk you take at midnight is too great. After all, some poor families may not be able to repay these loans." Zhou Sheng reminded.
An Wuyang answered with a smile, "Then we have to go back to the previous question. We only talked about how to deal with cases of malicious non-repayment, but what should we do if there is no alternative?"
Zhou Sheng was curious, "What is Mr. An going to do?"
"What else can I do?" An Wuyang spread his hands and made a helpless expression, "If they are really too poor to eat and cannot repay their loans, can I still kill them?"
"I can't just turn a blind eye and call you to inform you that the corresponding repayment period will be postponed." An Wuyang complained.
"For example, a poor family chooses a 30-year loan with equal principal and interest, and needs to repay 893.11 yuan every month. But if the borrower lives in a rural area and cannot earn this small 900 yuan a month, I can still force him to Pay back the money?" An Wuyang continued to complain.
"There is a high probability that the repayment amount can only be reduced. After ensuring the basic living needs, how much money will be left to repay the loan." An Wuyang explained the solution.
Zhou Sheng was silent.
Zhou Xiang sighed, "Mr. An is righteous!"
Because An Wuyang's statement was a clear admission. Facing that kind of extremely poor family, there was nothing that could be done about the other party on the fifth day of the night, and they could only make the other party default on their debts.
Check out the 16-9 book bar and see the correct version!
Otherwise, what else can be done?
You can't really force the other party to death, right?
Zhou Sheng and Zhou Xiang both understood what An Wuyang meant, so one kept silent while the other sincerely lamented the great meaning of An Wuyang.
In this era, how many people are there who are at the helm of companies like An Wuyang?
It can be said to be one in a million!
Xiao Qingyue raised her hands high on the side, indicating that she had a problem.
An Wuyang looked at the other party, "Do you have a problem?"
"Mr. An, I hear what you mean. It should be that if a poor family is really in trouble, you won't hold them accountable even at midnight?" Xiao Qingyue asked tentatively.
An Wuyang answered affirmatively, "Yes!"
"Then" Xiao Qingyue hesitated for a second before continuing, "When facing such a poor family in the first place, why didn't you choose to directly give them two pieces of joy?"
In Xiao Qingyue's opinion, it would be better if Liang Huanxi was given directly as a gift, right?
After all, if you give Liang Huanxi directly, the cost will be lower for Wu Geng Tian.
First of all, no tax will be paid on this transaction on the fifth day. After all, the corporate income tax and other taxes combined are really high, almost 27%.
Secondly, there will be no transactions with Shengqing Commercial Bank, thereby reducing related costs.
For example, when faced with an extremely poor household defaulting on its debt, a human resources investigation should be arranged at midnight, right?
This is also a cost!
Therefore, Xiao Qingyue thought that An Wuyang had gone through a whole circle, arranging loans, arranging a drawer agreement with full guarantee, and wasting human resources on a second investigation, so it would be better to just give him a Lianghuanxi.
An Wuyang did not answer this question directly, "Do you know the prohibition signs on the Huacheng subway?"
"Huh?" Xiao Qingyue was confused, weren't they talking about happiness?
"Why are there so many prohibition signs on the Huacheng subway?" An Wuyang asked again.
This time An Wuyang asked and answered himself, "That's because any prohibition sign that seems outrageous has a corresponding real case."
"Human beings are a diverse being, and you can never imagine what outrageous ideas and outrageous actions other people may have," An Wuyang added.
"For example, if we want to provide free two pieces of joy to extremely poor critically ill premature infants, will it happen that some family members of critically ill premature infants from extremely poor families will secretly hide the critically ill premature infants after receiving the two pieces of joy, and then declare the death of the critically ill premature infant? What?" An Wuyang asked.
"Never underestimate the dark side of people's hearts!" An Wuyang added.
"Don't ever think that a tiger's poison does not eat its seeds and a poor family must be kind." An Wuyang continued to explain.
"If the corresponding poor family and the relevant hospital join forces to defraud us on the fifth day, how should we investigate on the fifth day?" An Wuyang asked the question.
"Does this investigation require more human resources investment?" An Wuyang asked.
"As the saying goes, there is no business, no harm, only when there is no profit, weird things will not happen." An Wuyang sighed.
Xiao Qingyue asked again, "But the selling price of Lianghuanxi is higher overseas. Your ex-factory price for overseas dealers on the fifth day of the night is more than 300,000 yuan higher."
"According to this logic, there is still room for arbitrage of 300,000 yuan or more when you give Lianghuanxi to critically ill premature babies from poor families in the middle of the night. Should this be prevented and eliminated?" Xiao Qingyue discovered a blind spot.
This is indeed a big problem!
According to An Wuyan's intention, Wu Gengtian planned to provide Liang Huanxi to critically ill premature babies from extremely poor families at the price of 250,000 Xia Guoyuan. But as Xiao Qingyue said, under such circumstances, Liang Huanxi could be sold for arbitrage.
An Wuyang responded, "In order to avoid such a situation from happening, we will arrange for custodial specialists to transport Liang Huanxi to the corresponding hospital on the fifth night and use Liang Huanxi personally."
"At the same time, in order to prevent the commissioner from being corrupted, we will also recruit local volunteers on the Internet to participate in supervision." An Wuyang added.
"Will this incur additional costs?" Xiao Qingyue asked.
An Wuyang responded affirmatively, "Of course! But we can afford it on the fifth watch."
The actual cost of Lianghuanxi is not high. This is something that other pharmaceutical companies can calculate. The real value is the place of production.
There will definitely be no loss if you sell Lianghuanxi on the fifth day of the week, it’s just a matter of making more or less.
So An Wuyang doesn't mind investing more costs.
Besides, how many critically ill premature babies are there every year?
Less than 20,000!
What's more important is that not all families with critically ill premature babies will choose Lianghuanxi.
When Xiao Qingyue heard An Wuyang's answer, she couldn't help but want to say something about An Wuyang's justice.
"President Zhou, does Shengqing Commercial Bank think this kind of cooperation is acceptable?" An Wuyang asked.
Zhou Sheng replied without hesitation, "Of course, no problem. After all, all risks are borne by you alone. We have no reason to refuse."
Maybe this cooperation won't make much money, but it will definitely make money, and more importantly, it won't cost anything. How could Shengqing Commercial Bank refuse?
(End of chapter)