Chapter 118 The Bank Wants to Purchase Cordyceps
In a coffee bar in Auto City, Lin Sanqi and Yin Lianyi sat face to face, enjoying the cool air and chatting, while Lin Musen sat not far away, leisurely browsing his phone.
"Here's what's going on. I need to meet my bank's performance targets, so I've been running around this month. Dong Xuanming keeps using excuses to open the Toyota 4S dealership's public account at our bank, and he keeps me hanging. He doesn't agree or disagree, but he keeps asking me out for this and that..."
Lin Sanqi thought of some negative comments about banks he had read online and asked curiously:
"Isn't the banking system really chaotic? Didn't the president of a bank in Shanghai get arrested last time? Over 30 female employees at the bank were confirmed to have had sexual relations with them. That's fucking outrageous. And then, I heard that all the pretty young ladies in the bank have to serve VIP clients full-time, and then...?"
Yin Lianyi rolled her eyes at Lin Sanqi: "Oh, men, they only focus on this kind of stuff all day long."
Someone was very gossipy: "Oh, just tell me whether there is one or not."
"Of course I do. After get off work, I have to have dinner with my boss and clients. I don't know what happens after dinner and drinks. Anyway, after entering the bank, I realized that if a girl wants to succeed in her career, personal efforts are useless. It's better to be bold!"
Lin Sanqi looked Yin Lianyi up and down and asked curiously:
"and you……"
"Get lost! Am I really like this? It's because I'm a clean chauffeur that I was sent out to run sales. Even a small 4S shop manager wants to take advantage of me."
Yin Lianyi said this a little angrily, but Lin Sanqi nodded:
"I believe you on this point, otherwise that male classmate of yours wouldn't have been left childless by you. You're such a straight-laced woman, and yet you're so beautiful. You're a disaster~~~"
Yin Lianyi was so angry that she pinched Lin Sanqi again:
"Can't you spit out a little ivory from your dog's mouth? Now I understand what Zhang Xuefeng said. People without strong family connections shouldn't apply to study finance. Opportunities are reserved for those with connections."
Lin Sanqi was a little puzzled: "That's not right. Your Pingle Village also has a village-level group. With so many clan members, it's not easy to get some resources."
Yin Lianyi said self-deprecatingly, "Oh, yes, there are resources, but unfortunately, I'm a girl. When the family has resources, they prioritize male heirs. When will it be our turn as female heirs?"
Although Dongguang Province has a developed and open economy, it actually has a very powerful clan system and is a very conservative group of people.
In the eyes of conservatives, the most important thing for a girl is to take care of her husband and children. Why would a girl go out and have a good time? How many girls who do go out and have a good time are decent? It will be difficult for them to find a husband in the future.
A good girl is always an obedient girl who listens to her parents and in-laws.
Suddenly, Yin Lianyi seemed to remember something: "Oh, right, Lin Sanqi, I just need your help."
Lin Sanqi gestured to stop: "No, no, no, we're not that familiar. You want me to help you? Make a scene!!!"
Lin Sanqi tapped his cheek, obviously wanting Yin Lianyi to kiss him again like before.
Yin Lianyi pinched Lin Sanqi's face fiercely and cursed, "Bah, you little pervert, you still want to take advantage of me? I'll tell your father!"
"Oh, it hurts. It hurts so badly. How can I get married in the future? Tell me, how can I help you?"
"That's more like it, huh!"
Lin Musen looked up at his son and female classmate, smiled, then sighed, thinking what a pity that she was a girl from the Yin family.
"Lin Sanqi, isn't your family a traditional Chinese medicine practitioner? Do you have any way to help me get some cordyceps? I want special or first-grade quality."
If you are talking about Cordyceps sinensis, then Lin Sanqi is not sleepy at all. This is Xiaoqiao's mother opening the door for Xiaoqiao, and she has just arrived home.
"Cordyceps? Your bank president wants it? If he bought half a pound or a pound, there are plenty of them on the market now. Why would you let your small employees figure it out? Does he not want to pay?"
"It's not for our president to eat himself. It's for gifts, such as for important clients or senior leaders. A large amount is needed. The bank has a public relations budget every year for this purpose."
Lin Sanqi's eyes rolled around: "Approximately how much is needed?"
Yin Lianyi blurted out: "At least 50 kilograms."
"Wow~~~ Your bank is really rich. Others buy winter and summer grasses by the gram, but you buy them by the kilogram."
"If you're sending it to a big client, you'd have the nerve to take just a few cordyceps. You'd need a whole box."
Lin Sanqi thought so too. It just so happened that he was also planning to go to Qinghai to stir up trouble in 1959. Although he hadn't obtained the goods yet, he had already found the sales channel.
"Okay, since it's Miss Yin's request, I will definitely help you get it, don't worry, but give me a few days to prepare."
Yin Lianyi suddenly lowered her voice and said:
"Don't get too excited. Let me tell you, our bank president in charge of purchasing is a notorious black marketeer. He's asking for kickbacks, at least 10%. Calculate your own profits and see if you can afford it. I approached a friend yesterday, and he turned down the 10% kickback offer."
Lin Sanqi was a little puzzled. "Isn't the trick with this kind of large-scale purchases to raise the price before placing the order? The price increase is the kickback money?"
Yin Lianyi shook her head. "Auditing is very strict nowadays. Purchase prices must be based on market prices. We can't arbitrarily increase prices like in the past. Otherwise, it will be a violation and will be investigated. So there can't be any manipulation of prices."
As a luxury health product, the profit of winter grass and summer grass is extremely high. Because this thing is hyped, its medicinal value is not actually that high.
Some readers may ask, since the profits are exaggerated, why don’t retailers want to agree to a 10% rebate?
That’s because Cordyceps is so profitable that it has formed a complete industrial chain. The supply is controlled by a handful of capitals, and these people will take the lion’s share of the profits.
There are also provincial agents, municipal agents, county agents and other levels of distributors, and everyone has to participate in dividing the cake.
As the price goes up layer by layer, it is natural that it becomes higher and higher, but when it comes to the terminal retailers, the profit is actually not that much.
If the 10% rebate is removed and labor costs, rent, advertising fees, etc. are added, the retailers will make little profit and naturally will not agree.
After all, this group of people are the ones who don't open a business for three years, and then make a living for three years after opening it, so their profits are usually not very high.
Others' confidence was not high, but Lin Sanqi had enough confidence. He was prepared to buy Cordyceps sinensis for free in 1959 and was not afraid of the 10% kickback at all.
So the confident Lin Sanqi also lowered his voice and almost bumped heads with Yin Lianyi:
"Go back and tell your bank president that a 10% kickback is fine. And I won't let you get away with it either. I'll give you an additional 2% kickback. How about that?"
The price of premium cordyceps is around 1,000 to 1,500 yuan per gram. If one catty is 500 grams and there are 1.6 cordyceps per gram, then one catty contains about 320 cordyceps.
The price of first-grade Cordyceps sinensis is around 800 to 1,000 yuan per gram, usually 2 pieces per gram, which means there are about 1,000 pieces per kilogram.
Even if we take the middle number, a pound of premium cordyceps will cost more than 500,000 yuan, while the first-grade one will cost 450,000 yuan.
If we calculate based on 50 kilograms, the purchase price of the special grade is 30 million yuan, while the total price of the first grade Cordyceps is around 22.5 million yuan.
In other words, the bank president will take 2 to 3 million from this purchase...
Lin Sanqi was actually ranting in his mind, "This bank is really making money. They only buy expensive things, not good ones. Poverty limits everyone's imagination."
Yin Lianyi was stunned, because even if it was a 2% kickback, she could still take away hundreds of thousands of dollars from this deal???
It’s not that Yin Lianyi has never seen so much money before. In fact, she comes from a middle-class family and has no worries about money.
If you don't have money, most bank girls will find it hard to resist the temptation of money and will be directly seduced by Mr. Chen or Mr. Li.
But getting hundreds of thousands of yuan in kickbacks for introducing a purchase was quite shocking to a young girl like Yin Lianyi who had just graduated from school.
"Wow, Lin Sanqi, is your Cordyceps profit that high? As for giving me the money, forget it. Don't try to be so arrogant. Save some money for marrying later, haha."
Yin Lianyi's words made Lin Sanqi think more highly of her. Not everyone has the courage to refuse 500,000 or 600,000 yuan, which also shows her character.
Lin Sanqi was delighted to have made a deal:
"Then it's settled. We can discuss some things after the deal is done. Look, I didn't even manage to buy a new car today because of you. I still have to go to another Toyota dealership with my dad to look around."
Yin Lianyi felt a little embarrassed when she heard this, and then she stood up:
"Come on, Huadu is so big, there are at least seven or eight Toyota 4S stores. If we don't buy it here in Auto City, where else can we buy it? Today, I will accompany you for a whole day, and thank you for saving my life."
"Well, thank you, don't just talk about it, come on, let me kiss you, that's how you show your sincerity."
"Get out of here, throw yourself on the street!"
At the end of the day, Lin Sanqi not only bought a Land Cruiser, but also bought an off-road motorcycle and a mountain bike, and his transportation was fully prepared.
I went to the gas station and bought a lot of spare oil barrels, filled them all with gasoline, so everything was ready.
The next day, Lin Sanqi went to the wholesale market again and bought several tons of salt and sugar.
I also bought a lot of tea bricks on clearance sale from Taobao at the price of 10 yuan per piece (250 grams).
The night before, when Lin Sanqi and his son were looking up information on their computer, they learned that the most scarce materials in the Northwest region, including the Inner Mongolia grasslands in the 1950s, were salt, sugar, tea, and various daily necessities.
As for money and food coupons, they are almost useless to herders.
Before liberation, or until the 1950s and 1960s, the herders' transactions were mainly "barter", that is, I would exchange a sheep with you for something, and cash was rarely involved.
This is also related to the geographical environment of the northwest. Qinghai alone has an area of more than 700,000 square kilometers and a population of only 2.6 million. You can drive for half a day without encountering a single person. It is very desolate.
This also made it very difficult for herders to obtain supplies, which gave Lin Sanqi room to maneuver.
(End of this chapter)
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