I was reborn without dreams

Chapter 160 The bank thinks Coach Zhang's career is great.

A significant portion of the new credit lines granted to Shazhou City in the first half of this year, both in the bonded zone and the city proper, were intended to support Zhang Da'an in expanding his business.

In fact, similar credit lines exist in both Mazhou and Jianggao. To be honest, there is a suspicion of duplicate lending. But so far, the amount of loan Zhang Da'an has actually received and invested is still the same 60 million loan from last year.

Nothing else.

Currently, the new business is mainly in "student loans". For impoverished families, Shazhou Rural Commercial Bank has to pay a handling fee for this "student loan" business, which is an interest-free loan.

In addition, the sales volume is not high, so the financial statements are not particularly impressive.

However, the situation is a little different this year with the addition of a branch school of Xindongweigang Middle School. Simply put, in the past, the three campuses of Xindongweigang Middle School had already absorbed about 20-30% of the candidates from a number of high-achieving families in the province.

Although many repeat students and even current year graduates want to come to the prefecture-level cities along the river, they can't afford to spend tens of thousands of them.

The student loan program launched by Shazhou Rural Commercial Bank is in cooperation with "Zhang An Education". In theory, in addition to "Zhang An College", students can also apply to Xindongweigang Middle School.

This is the area that Shazhou Rural Commercial Bank has its eye on. Of course, they only serve students who are retaking the college entrance exam; they can't touch the middle school retake classes because the age is not right.

Based on the twenty students in the "College Entrance Examination Retake Class" at Xindongwei Port Middle School, about 30-40% of them obtained loans from Shazhou Rural Commercial Bank, which boosted the business volume.

Banks don't dislike high profits, but the risks are too great, so stability is always better.

Even if it's only 30% or 40%, that's still about 400 people, and at least 40 million will be invested. That's enough to make some profit.

As long as the cooperation goes well, and the student loan business of Shazhou Rural Commercial Bank is still used for the four years of university, then there will be something to do for at least five years.

If you build a good reputation, you can expand your business within the province. In the long run, this will be a secure job.

It's like using the fame of a "three-time champion" to advertise the bank's business.

While not as reliable as lending to businesses, banks also fear relying on a single business line, and diversification offers stronger risk resistance than anything else.

In addition, Shazhou City is well aware that Zhang Da'an is increasingly inclined to hire "his own people," and there is a high probability that he will hire recent college graduates from Xindongwei Port Middle School next year or the year after.

After all, they graduated from Xindongweigang Middle School. I can't say for sure about other things, but their time management skills are absolutely top-notch. It's highly likely that they will graduate early after completing all their credits.

So, at the earliest, in the summer of 4700, which is next year, we will see a considerable number of young people calling out "Brother An" and coming to "Zhang An Education" or "Zhang An Industrial Alliance" for internships.

These people are role models.

Students who enrolled in "Zhang An Education" during the summer of 2014 (4699), which is this year, will normally receive a contract that, while not the best, is certainly not bad.

Even if we take a step back and assume that the existence of the "Zhang'an Industrial Alliance" means that these people will definitely have a labor protection contract in the future, which makes them a very high-quality potential customer in the eyes of Shazhou Rural Commercial Bank.

Nothing beats seeing it with your own eyes. No amount of "risk control" can compare to this.

This business would never have gone to Shazhou Rural Commercial Bank even if it had been offered a hundred times. It originally belonged to Jiangning Bank. It just so happened that a student's maternal grandfather at Xindongweigang Middle School had extraordinary connections, which gave Shazhou Rural Commercial Bank more prestige in the province.

Relying solely on the sons of high-ranking officials who invest in banks will not be enough to supplement business; they simply don't have the connections.

You need real strength!
At present, Shazhou Rural Commercial Bank is not as wealthy as Zhang Da'an, so everyone with brains at all levels is thinking about building up the business structure first, and maybe in the future they can expand their business to other places through Zhang Da'an or "Zhang An Education".

On the sixth day of the Lunar New Year, the bank paid a considerable price to allow people to skip the queue and pay New Year's greetings to the "God of Literature".

"Mr. Zhang, we've heard that your business in Shandong Province is progressing smoothly. Our bank and the city leaders are all honored by the ever-expanding scale of your enterprise. With a brilliant scholar like Mr. Zhang in Shazhou, the education cause will surely be promoted nationwide and even globally in the future..."

Flattery isn't afraid of being bad at it; the real problem is not flattering at all.

Repeated compliments are like Goebbels's brainwashing; the more often they're said, the more you start to believe them.

"If our bank is fortunate enough to participate in Mr. Zhang's great cause, I guarantee that everyone in our bank will go all out and treat Mr. Zhang's cause as our own life's work..."

Their attitude was very sincere, and their expressions were spot-on, which made Coach Zhang feel that everyone in the bank was talented and spoke very well.

The nanny serving tea and water felt she needed more practice; how skilled she must be to utter such shameless words so smoothly.

However, seeing Zhang Da'an's pleased expression, the nanny was thrilled; these were real skills indeed.

Simply spreading your legs to let the butterfly fly is too superficial and lacks depth.

Even as the group was leaving, the nanny keenly noticed that they quickly rolled down the car windows after getting in, and then acted as if they were reluctant to part.

That's outrageous. "Boss, it sounds like you're asking the bank for a loan, but why do they look like they owe you money?"

"If you owe the bank enough money, you're the bank's father."

Zhang Da'an gave the nanny a gentle pat on the head, and then said, "Of course, if you already have more money than the bank, then you're the bank's ancestor."

"why?"

"Because they want to take your money to make money off other people."

The nanny suffered from her lack of education, only vaguely understanding the situation. However, she felt that the New Year's meals were excellent and that she had gained a little weight. Coach Zhang then observed that "Youzi" had indeed grown a little bit.

"Does it look similar to Wang Douyan's now?"

"Don't compare your weaknesses with others' strengths. Can you even compare them? You can't compare them at all."

"..."

Somewhat speechless, Shi Yelu weighed the "pomelo" in her hands. "I don't believe it. I compared it with Wang Douyan yesterday, and they were about the same. Besides, Wang Douyan's shape isn't as good as mine. Look, isn't the fullness different? It's rounder. Wang Douyan even said mine looks almost fake. Looking fake proves that mine is better."

"..."

Awesome! Keep up the good work, maid team!

Back in my study, I checked the emails about starting work and opening tomorrow. There were emails from all over the country, as well as some project progress reports, all of which were directly approved and acknowledged in the emails.

Zhang Da'an didn't like any of the several alternative sites for the new Dongwei Port Middle School in Zhongwu City. The location at the intersection of the old riverside road and the Zaogang River was the one he preferred.

This place is very remote, and it will remain a purely rural area in ten or twenty years.

Its main feature is that the land price is cheap, but the potential is huge.

If his only goal was to make quick money from developing school real estate, he certainly wouldn't have chosen this location; he would have opted for the area at the intersection of the port district or Huangtu core area in Jiyang City.

In the future, there will be large industrial areas. Zhongwu City will also carve out a northern suburban area here for development, creating various information ports and other industrial parks.

But just as the Mazhou and Jianggao branches are both remote, Zhang Da'an still has no intention of placing the new branch in an area with rapid growth.

The logic is simple: if you make too much quick money, the coaches below you will also get arrogant, and it's uncertain whether they can even guarantee that they won't get arrogant themselves.

If it weren't for the fact that taking revenge on society brings happiness, Coach Zhang might have gone into real estate speculation too; after all, he's not without the qualifications.

The fact that you can now avoid making quick money and instead focus on tormenting people is thanks to the fact that the fun involved is more interesting than making money.

Moreover, even at its current scale, "Zhang An Education" is still largely unregulated, and the "Zhang An Certification" previously triggered a wave of talent loss.

Although Coach Zhang's approach is to remain unchanged in the face of all changes, there are still potential risks.

If one day "hot money" floods in and is used to poach all the first, second, and third-level assistant lecturers or even first, second, and third-level main lecturers certified by Zhang An, then it is not impossible that Xindongweigang Middle School might suddenly experience a major setback in its college entrance examination or junior high school entrance examination.

To avoid such incidents, especially given the potential for malicious competition if they occur, "Zhang An Education" must establish a robust coaching staff structure.

The coaching team must be over-staffed, both to fill positions at the new campus and to prevent a sudden shortage of personnel.

Therefore, the "1998 Plan" is one of the means to mitigate risks and can be considered a channel for cultivating talent.

Going to other provinces to recruit, train, and put people on the job is another approach.

We need both the ability to transfuse blood and the ability to generate blood; we must grasp both aspects firmly.

Based on the plan to set up campuses in all twelve prefecture-level cities in the future, it will basically be necessary to open one or two branch schools every year in order to retain qualified talents.

Once the Zhongwu City branch of Xindongwei Port Middle School opens this year, the basic salary alone will be over 25 million, which is unparalleled in the whole country.

If you include bonuses, dividends, and other benefits, the lead is even more dramatic.

Zhang Da'an judged that as long as he had five branch schools, he could come up with some new ideas; the current scale was still a bit lacking.

Especially since I've already retired from the college entrance exam world, now when it comes to racking up achievements... I can only rely on quantity to succeed.

(End of this chapter)