rebirth of cataclysm

"Third uncle, when you mentioned Lin Mingzhen, didn't you want to ask him for a loan?" Hu Mingchen asked curiously.

It’s not surprising that Hu Mingchen would ask this. It’s actually a bit abrupt for Hu Jianqiang to mention Lin Mingzhen at this time. And Lin Mingzhen works in a bank and is responsible for the credit business. If Hu Jianqiang mentioned him, if it is not related to loans, it seems

Nothing else will happen.

"What, I didn't ask him for a loan, he took the initiative to ask me for a loan." Hu Jianqiang quickly shook his head and explained.

"He took the initiative to ask you for a loan? What are you talking about? Where do we have the money to lend him a loan? We are still short of money. Besides, doesn't he work in a bank? If you want a loan, go to their bank." Hu Jianjun crackled.

said.

Hu Jianjun obviously misunderstood what Hu Jianqiang meant.

"Second brother, look at what you said, you didn't understand what I meant. He took the initiative to ask us for a loan. He didn't ask us to lend him money, but he took the initiative to ask us to borrow money from him." Hu Jianqiang explained in a dumbfounded way.

"It's really new. I've never heard of anything like this. People are trying to get loans but can't get them. He comes to the meeting and offers to lend us money. Is there such a thing in the world? Their bank money is kept in the warehouse.

Is there mold inside?" Hu Jianjun said with distrust in his clothes and took it as a joke.

"Second brother, I knew it was hard for you to understand, so I didn't explain it to you when I came back." Hu Jianqiang frowned.

"Dad, that's not surprising. Most people can't get loans from banks. That's because they don't have strong repayment capabilities. Don't think that banks guarantee income during droughts and floods. In fact, they also have a mission. When people have some money, they go to banks to deposit money. Banks

You still have to pay interest. Where does the bank's money come from? They also have to make money. Only when they make money can they pay interest and support so many employees. So banks actually have to rely on loans to earn higher loan interest rates.

Most people don't need to borrow money, but for customers who can repay the money and preferably have strong funds as collateral, they are just as eager to get loans from them. Our private economy here is relatively backward, and most of the money from banks is lent to state-owned enterprises.

Enterprises and governments, to be honest, a lot of that money will never get back at all. So it is not surprising that Lin Mingzhen took the initiative to find his third uncle and asked for a loan to us." Hu Mingchen patiently and carefully explained to Hu Jianjun.

After Hu Mingchen's explanation and Hu Jianjun's own thinking, he finally understood the meaning.

"Oh, so that's it." Hu Jianjun suddenly said.

"That's it. Fortunately, Xiaochen explained it. If it were me, I wouldn't be able to explain it in such detail." Hu Jianqiang exhaled and said with relief.

"Third uncle, did you agree to him or reject him?" Hu Mingchen asked Hu Jianqiang.

"I neither agreed nor refused. I have to discuss this matter with you. That's why I'll talk to you about this matter when you come back."

"Haha, Third Uncle, you are becoming more and more like a businessman. You have handled the situation very well. I was afraid that you would reject him. Since someone is willing to take the initiative to lend us a loan, it is of course a good thing. If money comes to our door, how can it be wrong?

No reason, anyway, we are short of money everywhere now." After receiving Hu Jianqiang's answer, Hu Mingchen said with a hearty smile.

For Hu Mingchen, just when he was about to sleep, someone gave him a pillow.

"Xiaochen, do you really want a loan? We are...actually not very short of money now. We have food and drink, so what is the use of the loan? The money from the bank is not free, there is interest.

." Hu Jianjun objected tactfully.

Because Hu Jianjun did not have much education, his ideas and vision of thinking about problems were bound to be limited.

"It's natural for someone to lend us a loan and earn some interest. We can indeed live without any shortage of money. One year's rent on Minzu Street in Guangxiang is enough for the whole family. But in terms of career

Yes, we are actually very short of money. The supermarket needs money to open a store, and the travel company is even more short of funds, and... I also thought of a place to use the money." As he said that, Hu Mingchen recalled

The small alley where you can eat ice powder in the south of the town.

"Xiaochen, where did you think of using the money?" Hu Jianqiang asked doubtfully.

"I plan to build some old houses in the south of the town, old houses with dozens or hundreds of years of history." Hu Mingchen replied enigmatically.

"Go to the south of the town to buy a house? It's hundreds of years old. Can you still live in that kind of house? Our family has many houses on the street now. Even if it's not easy, you can buy it in Liangcheng City.

Many beautiful communities have been built on Fenghuang Mountain." Hu Jianjun said.

"Second brother, Xiaochen would never buy that kind of house to live in. I think he must have his own ideas." Hu Jianqiang said.

"Haha, Third Uncle still understands me." Hu Mingchen said with a proud smile, "In this case, let's not talk about this matter for the time being. Anyway, everything must be done if we can get a loan. Third Uncle, we will do it in two days

Just go to the city to talk to Lin Mingzhen."

"Xiaochen, how much loan do you plan to ask him for? If the loan is less, nothing can be done." Hu Jianqiang asked.

"The more the merrier, we can borrow as much as he can approve. We are not afraid of debt now. I think it will cost tens of millions no matter what. As you said, nothing can be done without hair." Hu Mingchen said in a sincere tone.

In the past, it was difficult to find Lin Mingzhen to borrow hundreds of thousands, as the amount was huge. But now, ten million may still be a small amount in Hu Mingchen's eyes. Even if the value of the shares in Penguin Technology is not included, it is still a small amount.

It's other assets, which can easily add up to tens of millions.

Just like what Hu Mingchen said, if Lin Mingzhen took the initiative to find him, he would have the backing of these assets. Otherwise, he might not even be willing to ask him.

"Ten million? Find a bank loan of ten million? Is it too much? Besides, will the bank lend? Xiaochen, taking on debt is no joke. You have to think carefully." Hu Jianjun advised worriedly.

"Dad, don't forget, if he hadn't borrowed hundreds of thousands last time, how would he be today? Don't worry, he has more debt than he needs to worry about. It would be great if he dared to borrow 100 million." Hu Mingchen said carelessly.

I don't think there's anything wrong with that.

But Hu Mingchen thought that hundreds of millions was no longer a question of whether Lin Mingzhen dared to lend, but that he simply did not have the authority. Without the signature of their bank president, it would probably not be possible to allocate a loan of hundreds of millions.

The entire Liangcheng city only has a GDP of tens of billions, and every loan worth hundreds of millions is a huge sum for local banks.

As for what Hu Mingchen said about whether you have enough debt or not, that is really a current social phenomenon. Whether you owe it to a private person or a bank, if it is only a small amount, people will chase you for it, and even use some not-so-good means.

But if there is really enough funds, the creditors will be unable to do anything about it.

It's not nonsense that the person who owes the money is the uncle. If a person owes tens of millions or hundreds of millions, there is nothing he can do. He can't fight or imprison him. Unless he really doesn't want the money, otherwise, he has to deal with it well. He can't

Offend too much, lest the other party doesn't pay back the money.

Hu Mingchen is not that rogue, but this is also the reason why he dares to borrow more money.

Hu Mingchen stayed at home until the fifteenth day of the first lunar month, and then Hu Jianqiang began to send him and Hu Yandie back to the city.

After the Lantern Festival, Hu Mingchen was about to start school, and Hu Yandie was also about to start school, so they decided to go together. There was a pickup truck to ride in, and they could carry their luggage as they pleased.

"Sister, what do you think of your school?" Hu Mingchen sat in the passenger seat and turned to ask Hu Yandie.

Hu Yandie brought much more luggage than Hu Mingchen, so she sat alone in the back row and her luggage could be placed next to her.

"Whatever, just like that." Hu Yandie looked away from the car window and said.

"I mean, what do you think of your school's environment, teaching quality, and teaching staff?"

"Our school is just a technical secondary school. What can you say about it? Many students want to learn, but... the teachers in the school are average and the equipment is not very good." Hu Yandie is already at the school.

Having attended vocational school for one semester, he already has an understanding of it.

Before, Hu Mingchen persuaded Hu Yandie to go to high school, but she refused. Now it seems that she probably regrets it more or less.

"Xiaodie, let me tell you, you should go to high school instead of going to a vocational school and try to get into a university. There is no point in going to a vocational school and it doesn't include a job assignment," said Hu Jianqiang, who was driving.

"The school promised to find us jobs," Hu Yandie said.

"Sister, this kind of promise is not trustworthy. What they call finding a job is just to take you into the factory. To be honest, even if you don't go through school, it won't be a big problem to get into the factory. Moreover, the teachers can still take advantage of the jobs they recommend.

Just one stroke." Hu Mingchen said.

Hu Mingchen's words are not nonsense. Although he has never attended a vocational school, he has heard a lot. Moreover, Hu Yandie attended a vocational school before he was reborn. After graduating from school, he was taken to the coast to work in a factory. Every month

A part of the salary was also deducted, which was said to be management fees for the school's leading teachers, but in fact it was almost the same as their kickbacks.

"No way, how can teachers be so mean as you say and make money from students." Hu Yandie, who is new to the world, doesn't believe Hu Mingchen's statement.

"Can I still lie to you? This time I went to Lingnan. Many factories there recruit people like this." Hu Mingchen made up a credible reason.

"Which factory do you want to join? Xiaodie, don't worry. Even if you can't get public food after graduation, you won't go to the factory. When the time comes, I will arrange an office job for you in the supermarket and the salary will be whatever you want. Xiaochen,

Do you think so?" Hu Jianqiang said with a half-joking smile.

Now the Hu family's business does involve several industries. It is indeed easy and effortless to arrange a job for Hu Yandie. However, if Hu Yandie can set the salary casually, that is a bit too much. The company still needs to have certain standards.

If systems and regulations are destroyed at will, the impact will be far-reaching.