rebirth of cataclysm

"Loan sharking is a bottomless pit. If you borrow money from usury, you might as well stop borrowing it because it won't be enough," Wang Zhan said.

"Yes, yes, you can do as many things as you have with how much money you have. No matter what interest you borrow, you will be trapped by others and you can't get rid of them. Not to mention that you may not make money. Even if you make money, I'm afraid you will make it for others.

." Hu Jianjun, who often finds people to borrow interest money from, feels the same way.

Over the years, Hu Jianjun and Jiang Yucai have been unable to turn over. If you look deeper, this can be regarded as one of the reasons. A lot of the money they borrowed from others came with interest. Even relatives and friends brought some interest.

The interest keeps getting bigger and bigger, and the two of them have very limited ability to make money. Even if they occasionally earn a little outside, they will soon be sucked up by the hole. So the history of borrowing money starts over and over again.

, year after year, endlessly.

"I don't support asking anyone to borrow money with interest. If you borrow money with little interest, you won't be able to borrow much. If you can borrow a lot of money, it's basically a loan shark. Once you borrow, it will be difficult to turn around." Hu Jianqiang agreed.

"Haha, look at you, that's what I said. I have never thought of borrowing money from a loan shark. Besides, even if I wanted to borrow money, I don't know who to ask for it. Which loan shark would dare to lend me money?

"I dare to borrow it, but others may not dare to let it go." Their serious looks made Hu Mingchen dumbfounded.

"That's true, but... it's not really impossible to borrow money from the bank. It seems that Xu Tiancai knows someone from the Agricultural Bank of China. He has taken out loans twice before. You can go to him to check, but it seems that there is a formality required.

Fee." When Wang Zhan mentioned bank loans, it was natural that he was not without aim. If there was no clue about it, there was no need for him to mention it.

"Can Xu Tiancai get money from the bank?" Hu Mingchen became serious for a moment.

Wang Zhan nodded: "Loans from banks these days are based on connections. For people with connections, no matter how many conditions are imposed, they can't be restricted. But for people who don't have connections, even if they meet everything, just like you said, don't even think about it.

, can’t get the money.”

"If that's the case, I'm really interested in talking to Boss Xu. If he can help borrow money from the bank, it would be a big help." Hu Mingchen said solemnly.

"Xiaochen, do you really want to borrow money from the bank? Aren't we doing well now? We have already received the monthly income from the cinema, so how can we still borrow money? Let me tell you, it's hard to live with debt.

, If you can’t help it, don’t borrow it,” Hu Jianjun dissuaded.

"Dad, if you had understood this a few years ago, it would be great. You used to borrow money for expenses, but I borrowed money for business, and the meaning is completely different." Hu Mingchen insisted on his opinion without being hard or soft.

Hu Mingchen is definitely very happy to be able to use the bank's money to strengthen himself. He is not worried about the problem of not being able to repay the loan at all. If he has the money to invest in Phoenix Mountain, he will definitely make a profit without losing money.

In fact, the existence of banks should have played a role in invigorating the economy and promoting the development of enterprises. However, because most of the banks in our country are state-owned, this means that the banks basically focus on state-owned enterprises and the government, providing a large number of policy-related services.

loan.

The innate genetic problems of state-owned enterprises will make the efficiency not high and the profits not great. On the contrary, the flexible, diverse and booming private economy has difficulty in obtaining financial support from banks.

On the surface, it seems that the concern is that the funds lent to private enterprises will not be recovered. If the funds are lent to state-owned enterprises and become bad and bad debts, the government will cover the cost, but if the funds are lent to private enterprises and cannot be recovered, the government will bear the responsibility.

However, if you think about it more deeply, it is still a matter of the entire country and government’s thinking and understanding of the private economy. The impact of many years of planned economy on the entire system is very large and far-reaching. It will take many years to reverse this situation.

Only then.

Hu Jianjun was a little unhappy that his opinions were not taken seriously, especially in front of outsiders.

However, in this general direction, Hu Mingchen would not care about face issues.

Hu Mingchen was very anxious and called Xu Tiancai that day to inquire about the situation and ask for his help.

Xu Tiancai once promised Hu Mingchen that if he asked him for help, he would not say anything. He also promised that if Hu Mingchen asked him to borrow money, he would definitely lend him 20,000 to 30,000 yuan.

Therefore, when Hu Mingchen called Xu Tiancai and asked him to help arrange a loan from the bank, it would not be easy for Xu Tiancai to say no.

"Mingchen, is this what Wang Zhan taught you?" Xu Tiancai asked on the phone.

It is impossible for Xu Tiancai to be aimless, and it is impossible for Hu Mingchen to know that he knows people in the bank. From this, it can be inferred that who else could be other than Wang Zhan.

"Uncle Xu, aren't you unwilling to help? Uncle Wang didn't teach me, it was me who came to him. He mentioned that you had borrowed money from the bank and had a way, so I just asked you for help.

That’s it.” Hu Mingchen said.

Hu Mingchen did not follow Xu Tiancai's wishes, nor did he forcefully ask him to do anything. However, he still put a certain amount of pressure on Xu Tiancai.

"I guessed that it must be him. Help, of course I am willing to help, but you also know that I am not from the bank, so I have to find someone to communicate. I can't guarantee whether it will work or not," Xu Tiancai said.

.

"That's it, that's it, who dares to guarantee this kind of thing? But, with Uncle Xu helping out, I believe it will be of some use to the young master." Hu Mingchen said.

"How much loan do you plan to borrow?" Xu Tiancai asked Hu Mingchen on the other end of the phone.

"To be honest, I don't know how they operate. My company has not been established for a long time, and the registered amount is not high. I don't know how much I can borrow. But from my needs, of course the more the better.

Okay, hundreds of thousands or even millions are not too much for me," Hu Mingchen said frankly.

"Haha, you kid would think, your company's registered capital is only 30,000, who will lend you millions? If you dare to lend, no one will dare to lend." Xu Tiancai was amused by Hu Mingchen and said.

"Uncle Xu, you won't tell me that I can only borrow ten thousand or twenty thousand. In that case, I might as well ask you to borrow it. Remember you promised me that you could borrow thirty thousand." Hu Mingchen used Xu Tiancai's words.

Rush Road.

"You...of course it's not ten thousand or twenty thousand. Who can ask them for a loan of ten thousand or twenty thousand. However, it's only around one hundred thousand at most. You have to be aware of this, so I asked you how much you want to borrow."

, I can’t do anything if it’s too much. Moreover, even if it’s over 100,000, it still depends on how it is reviewed, I think you can understand.” Xu Tiancai seemed to want to get vaccinated first.

For Xu Tiancai, he certainly hopes that Hu Mingchen will borrow from the bank instead of him. If he borrows from the bank and still cannot pay it back, that is the bank's business and has nothing to do with him. If he borrows from him, he must borrow it on time.

It's okay to pay it back, but if you can't, it will be troublesome.

"I understand, I understand. Regardless of whether it succeeds or not, I have to thank you. Uncle Xu, when can you ask your friends to have dinner? I am in a hurry for money right now." Hu Mingchen said brimmingly.

Smiled.

"I heard that you have already bought several pieces of land on Phoenix Mountain. Are you taking out a loan just to continue buying land?" Xu Tiancai asked, avoiding Hu Mingchen's question.

"Uncle Xu is an old man, and he will hit the mark right away. Xingsheng Development Co., Ltd. has already acquired four pieces of land on Phoenix Mountain, and they want to acquire more. However, they have financial difficulties, so why don't they ask you for help?"

"Since he was looking for help, Hu Mingchen couldn't hide it, and he couldn't hide it at all.

"Xiaochen, I asked my friends who work in the city government, and it seems that there is no intention to develop it. Are you betting too big?" Xu Tiancai said.

So far, Xu Tiancai has not made further moves in Phoenix Mountain, which may be related to the news he has learned.

In Xu Tiancai's view, if there is such an intention or sign, the city government must be the first place to get the news. But now that he can't find out the news at all, it means that it is impossible or even impossible.

Although there is no absolutely sure business in the world, Xu Tiancai still likes to do the part that he can control when doing things, so he decided to wait and see which way the wind blows.

What he didn't expect was that Hu Mingchen hugged his arms and got on with it. Not only did he invest his own money, he also planned to find bank money to invest. Xu Tiancai really admired this, of course, more or less.

There are also some who disagree.

Only newbies in business can do this. Those who are veterans must make multiple evaluations before making a move.

"Uncle Xu, we all said it was a gamble. Since it is a gamble, it doesn't matter whether it is big or small. The key is whether I can win the bet. Just like I told you last time on the mountain, I believe I can win.

, I believe in my analysis and judgment." To make Xu Tiancai willing to help him, Hu Mingchen naturally had to show his self-confidence.

What he thinks is beyond Hu Mingchen's control. Hu Mingchen only knows that in human nature, most people don't like to deal with people who lack confidence. An indecisive person will lose half the chance first.

"Okay, whether you win or not, your courage and self-confidence are worthy of my appreciation and admiration. I will find Director Lin in the next two days, and if he has time, I will make an appointment to chat. Then you can also

Come on, I think it might be better for you to deal with him directly than your uncle to deal with him." Xu Tiancai finally agreed with a clear attitude.

Whether it is Hu Jianqiang or Hu Jianjun, it is still difficult to get recognition from people like Xu Tiancai. On the one hand, they have not had much contact with them, and on the other hand, their conversation and knowledge are still far behind those of people like Xu Tiancai.

At least so far, whether it is Xu Tiancai or Wang Zhan, they may not fully agree with Hu Mingchen 100%, but Hu Mingchen's words and attitude are worthy of their willingness to get along with him and treat him positively.

"Okay, no problem, then I'd like to thank Uncle Xu first, thank you very much." Of course Hu Mingchen had no objection, and he didn't believe that his father and third uncle could handle this matter well.