In the name of people, as a phenomenal domestic TV series of 20 17, embodies the determination and courage of the China government to crack down on * * * * at this historical stage. The story of the whole drama is ups and downs, cleverly designed, and vividly depicts the characters in officialdom and shopping malls. Then, whether the audience as financial personnel is related to their own professional details in this drama describing economic crimes, we will analyze "Taking in the name of people" in this issue.

1. Dafeng Clothing pledged the bridge funds to the equity of Shanshui Group.

Bridge fund is a kind of short-term financing with a term of 6 months, which is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to achieve the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds.

In the play, Dafeng Garment Factory's short-term loan to Shanshui Group belongs to the fund loan of "borrowing the old and returning the new". This kind of business aims to solve the problem that corporate bank loans need to be renewed when they expire, but there is no money to return them. Therefore, they must temporarily borrow funds, return the old loans, and then lend new loans to return the temporarily borrowed funds. It turns out that commercial banks often adopt the method of extension in this case; However, in view of the provisions on loan extension in the Measures for the Administration of Loans of the People's Bank of China, the extension period shall not exceed half of the original loan period in principle. Therefore, commercial banks often require enterprises to resume loans after the maturity of corporate loans, and then lend new loans to allow enterprises to continue to use funds. In this way, in the absence of sufficient funds, enterprises have to go to the capital market to borrow a sum of money at high interest rates to turn around. The risk is that banks are likely to recover loans and will not issue new loans.

There are usually the following operating methods for "returning the old and borrowing the new" fund lending business:

(1) The loan bank issues a letter to guarantee the repayment of the borrower's (bank's) funds. After borrowing from the bank, the borrower must issue a new loan with the same amount to repay the borrowed funds;

(2) the same delivery. The so-called "delivery on the same platform" means that the borrower (bank) writes a check and gives it to the bank at the same time, and the bank seals the check receipt repaid by the borrower and gives it to the borrower (bank).

(3) Letter from the borrower (bank). The borrower (bank) opens an account in the loan bank, transfers the loan repayment funds to the bank, and issues a letter to the bank. The bank can repay the borrower's loan with the funds and hand over the blank check or missing seal to the bank, which will transfer the money accordingly; After the bank issues new loans and returns the funds borrowed by the bank owner, the bank owner promises to seal the transfer check and complete the whole operation process.

2. Dafeng Factory borrows 50 million yuan from Shanshui Group. Can it reach 80 million yuan in three months?

Dafeng Factory agreed to borrow 50 million yuan from Shanshui Group with a daily interest of 4‰ and a loan period of 6 days.

The first interest rate is 4 ‰× 6 = 24 ‰.

3 months and 90 days *** 15, 3 months later.

Sum of principal and interest = 5000× (f/p, 24 ‰, 15) = 7 150 (ten thousand yuan)

Also note that the annualized interest rate of 4‰ per day is 4‰×365= 146%. According to the laws of our country, the interest rate over 36% is legally invalid.

3. The loan rebate that sent MC Jin to prison in the play will affect the cost of corporate loans. How to calculate it specifically?

Assuming that Jingzhou City Commercial Bank lends 30 million yuan to Dafeng Clothing, with an annual interest rate of 5% and a term of 1 year, and Cai Chenggong gives Jingzhou City Commercial Bank a 2% loan rebate, the actual interest rate of this loan to Dafeng Clothing is:

3000×5%/[3000×( 1-2%)]=5. 1%

Therefore, rebate will make the real interest rate greater than the nominal interest rate.