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

It's no wonder that Hu Mingchen would ask this, but Hu Jianqiang was a little abrupt when he mentioned Lin Mingzhen at this time. And Lin Mingzhen works in a bank and is responsible for the credit business, Hu Jianqiang mentioned that if it wasn't related to loans, it seems that there would be nothing else.

"What, it's not that I'm looking for a loan from him, it's that he took the initiative to ask me for a loan. Hu Jianqiang hurriedly shook his head and explained.

"He took the initiative to ask you for a loan? What did you say, where do we have the money to lend to him, and we are still short of money and not enough, besides, he doesn't work in a bank, if you want a loan, go to their bank." Hu Jianjun said cracklingly.

Hu Jianjun obviously misunderstood what Hu Jianqiang meant.

"Second brother, look at what you said, you don't understand what I mean, people took the initiative to ask us for a loan, not to ask us to lend him money, but to ask us to borrow money from him. Hu Jianqiang explained with a smile and tears.

"It's so fresh, I haven't heard of anything like this yet. People don't want to take out loans, but when he arrives, he takes the initiative to lend us money, will there be such a thing in the world? Their bank money is moldy in the warehouse?" Hu Jianjun said distrustfully, as if he was a joke.

"Second brother, I knew you didn't understand, so I didn't tell you when I came back. Hu Jianqiang frowned.

"Dad, that's not unusual, ordinary people can't get a loan from the bank, that's because ordinary people don't have a strong ability to repay. Don't think that banks are just drought and flood income, they actually have a task. When people have some money, they deposit it in the bank, and the bank has to pay interest. Where does the bank's money come from, they also have to make money, and only when they make money can they pay interest and feed so many employees. Therefore, banks actually have to rely on loans to earn higher interest on loans. Ordinary people can not borrow money, but for customers who can repay the money and preferably have strong financial collateral, they are just as eager to ask them for a loan. The private economy here is relatively backward, and most of the money from the banks is lent to state-owned enterprises and the government, and to be honest, a considerable part of that money will not be returned at all. So it's not surprising that Lin Mingzhen took the initiative to find the third uncle and asked for a loan to us. Hu Mingchen patiently and meticulously explained to Hu Jianjun.

After Hu Mingchen's explanation, coupled with Hu Jianjun's own thoughts, he also understood the meaning.

"Oh, I see. Hu Jianjun said suddenly.

"That's it, fortunately, Xiao Chen explained, if it were me, I wouldn't have been able to explain it in such detail. Hu Jianqiang exhaled and said with relief.

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

"I didn't agree or refuse, I want to discuss this kind of thing with you, so when you came back, I talked to you about it. ”

"Hehe, third uncle, you are getting more and more businessman's mind. It's handled very well, I'm afraid you'll reject him. Since someone is willing to take the initiative to lend us money, of course it is a good thing, there is no reason not to have money to send to the door, anyway, now we are short of money everywhere. Getting Hu Jianqiang's answer, Hu Mingchen smiled heartily.

For Hu Mingchen, he was really about to sleep, and someone sent a pillow.

"Xiao Chen, do you really want a loan......? In fact, there is not much shortage of money, there is food and drink useful, what do you take out a loan for. The money in the bank is not taken for nothing, it has interest. Hu Jianjun objected euphemistically.

Since Hu Jianjun does not have much education, his thinking and vision will inevitably be limited.

"People give us loans and take some interest, which is a matter of course. We can indeed do not lack money in life, and the national street in Guangxiang is enough for the whole family to spend a year's rent. But in terms of business, we are actually very short of money, supermarkets need money to set up stores, and travel companies are even less funded, and ...... I also thought of a place to use money. As he spoke, Hu Mingchen recalled the small alley where he ate ice powder in the south of the town.

"Xiao Chen, what do you think of where to spend the money?" Hu Jianqiang asked suspiciously.

"I'm going to have some old houses in the south of town, the kind of old houses that are dozens or hundreds of years old. Hu Mingchen replied inscrutablely.

"Go to the south of the town to buy a house? It's still dozens or hundreds of years, can that kind of house still be lived in now? Our family now has many houses on the street, no matter how bad it is, if you want to buy it, you can also buy it in Liangcheng, and there are many beautiful communities built on Phoenix Mountain. Hu Jianjun said.

"Second brother, that kind of house Xiao Chen will definitely not buy to live in by himself, I think, he must have his ideas. Hu Jianqiang said.

"Hehe, the third uncle still understands me. Hu Mingchen smiled proudly, "In this way, let's not talk about this matter for the time being, anyway, things can only be done when we can get a loan." Third uncle, in two days, we will go to the city to talk to Lin Mingzhen. ”

"Xiao Chen, how much money are you going to borrow from him? If you borrow less, you won't be able to do anything. Hu Jianqiang asked.

"The more the merrier, we can borrow as much as he can approve. We're not afraid of arrears now, and I think we have to pay tens of millions anyway. Like you said, you can't do anything without hair. Hu Mingchen sighed.

In the past, it was difficult to find Lin Mingzhen to borrow hundreds of thousands, and the amount was very large. But now, 10 million may still be a small amount in Hu Mingchen's eyes. Even if you don't count the value of Penguin Technology's shares, other assets alone add up to tens of millions.

Just like Hu Mingchen said, Lin Mingzhen took the initiative to find it, and he also had these assets as a backing, otherwise, he might not be willing to beg him.

"10 million? Find a bank loan of 10 million? Isn't it too much, and besides, will the bank lend? Xiao Chen, taking on debts is not a joke, you have to think about it. Hu Jianjun persuaded worriedly.

"Dad, don't forget, if it weren't for the last loan of hundreds of thousands, how could there be today. Don't worry, on the contrary, he doesn't have to worry about a lot of debts, if he dares to borrow 100 million, then it will be good. Hu Mingchen was very arrogant, and he didn't think there was anything wrong with it at all.

It's just that Hu Mingchen thinks that hundreds of millions of dollars is no longer a question of whether Lin Mingzhen dares to lend, but that he doesn't have that authority at all. If it were not for the signature of the president of their bank, it is estimated that hundreds of millions of funds and loans would not have been appropriated at all.

The entire Liangcheng City only has a GDP of tens of billions, and every loan of hundreds of millions is a large amount for local banks.

As for Hu Mingchen's saying that there is no need to worry about having too many debts, that is really a current social phenomenon. Whether it is owed to a private person or to a bank, if it is only a small amount, then people will chase after it, and there will even be some not very good means. But if the funds are really enough, the creditor has no way to take it.

It's the uncle who owes the money, but it's not nonsense. If a person owes tens of millions of dollars, then there is no way, you can't fight or close, unless you really don't want the money, otherwise, you have to deal with it well, and you can't be too offended, lest the other party not pay back.

Hu Mingchen would not be such a scoundrel, but this is also the reason why he dared to borrow more money.

Hu Mingchen was 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 is going to start school, and Hu Yandie is also going to school, so they just go together, have a pickup truck to sit in, and they can take their luggage casually.

"Sister, what do you think of you at your school?" Hu Mingchen sat in the co-pilot, turned his head and asked Hu Yandie.

Hu Yandie carried far more luggage than Hu Mingchen's, so she sat in the back row alone, and the luggage could be placed next to her.

"Whatever, that's it. Hu Yandie withdrew her gaze from the car window and said.

"I mean, what do you think of the environment in your school, what is the quality of teaching, what is the quality of the faculty. ”

"Our school is a secondary school, how good can you say, many students want to learn, but ...... The teachers in the school are of average level and the equipment is not very good. "Hu Yandie has been studying in vocational school for a semester, and he already has an understanding and understanding of it.

Hu Mingchen persuaded Hu Yandie to go to high school before, but she didn't, and now it seems that she probably regrets it more or less.

"Fluttershy, according to me, you should go to high school, not any vocational school, and try to get into college. It doesn't mean anything to read out that vocational school doesn't include the assignment of work. Hu Jianqiang, who was driving, said.

"The school promised to find us a job. Hu Yandie said.

"Sister, this kind of promise is not credible, their so-called job search is just to take you into the factory. To be honest, even if you don't pass the school, it's not much of a problem to enter the factory, and besides, those teachers can still eat a lot of work for the job they introduced. Hu Mingchen said.

Hu Mingchen This is not nonsense, although he has not studied in vocational school, he has heard a lot. Moreover, Hu Yandie was in a vocational school before she was reborn, and after graduating from the school, she was taken to the coast to enter the factory, and part of her monthly salary was deducted, saying that it was the management fee of the school's leading teachers, which was actually similar to their kickbacks.

"No, where will the teachers be as bad as you say, and still make money from students. Hu Yandie, who is not deeply involved in the world, does not believe Hu Mingchen's statement.

"Can I still lie to you? This time I went to Lingnan, where many factories recruit people like this. Hu Mingchen said with a credible reason.

"What kind of factory do you enter, Xiaodie, don't worry, even if you can't eat public meals after graduation, you won't go to the factory, and when the time comes, I will arrange an office job for you in the supermarket, and the salary is as you like, Xiao Chen, don't you say?" Hu Jianqiang said with a half-joking smile.

Now their Hu family's career does involve several industries, and it is indeed easy and effortless to arrange a job for Hu Yandie. However, the salary is casually opened by Hu Yandie, which is also a bit excessive. The company still has a certain system and articles of association, and after it is destroyed at will, the impact is very far-reaching.