"Usury is a bottomless pit, if you borrow usury, you simply don't borrow it, you can't fill it. Wang Zhan said.

"Yes, yes, how much money you have, how much you do, what interest money you borrow, if you borrow it, you will be trapped by others, and you can't get rid of it, not to mention that you don't necessarily make money, even if you make it, I'm afraid it's also for others. Hu Jianjun, who has been looking for someone to borrow interest money, agrees.

Over the years, Hu Jianjun and Jiang Yucai have not been able to turn over, and if you dig deeper, this can be regarded as a reason. Many of the money they borrow from others has interest, even if it is relatives and friends, they also have some interest.

These interest rates are getting bigger and bigger, and the two of them have a very limited ability to earn money, even if they occasionally earn a little outside, they will be quickly absorbed by the hole when they get it back. Thus the history of borrowing money goes on and on, year after year, endlessly.

"I also don't support finding someone to borrow money with interest, if the interest is less, you can't borrow much, and if you can borrow more, that's basically usury. Once borrowed, it's hard to turn over. Hu Jianqiang echoed.

"Hehe, look at you, that's what I said. I never thought of borrowing money from loan sharks, and besides, even if I wanted to, I didn't know who to borrow. Which loan shark dares to lend me money? If I dare to borrow, people may not dare to lend it. Their serious appearance made Hu Mingchen cry and laugh.

"That's right, but ...... It's not really impossible for the bank to borrow money, it seems that Xu Tiancai knows someone from the Agricultural Bank of China, he has taken out loans twice before, you can look at him, but it seems that there is a handling fee. Wang Zhan mentioned bank loans, naturally it is not untargeted, if there is no eyebrows at all, he doesn't need to say it.

"Xu Tiancai can get money from the bank?" Hu Mingchen solemnly became solemn for a while.

Wang Zhan nodded: "This year, borrowing from the bank is based on relationships, and people with relationships can't be restricted by more conditions, and people who don't matter, even if they meet everything, like you said, don't think about it, you can't get the money." ”

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

"Xiao Chen, do you really want to borrow money from the bank? Aren't we okay now, the movie theater has taken over the income every month, how can you still borrow money? Let me tell you, the days of owing money are not comfortable, don't borrow if you can. Hu Jianjun dissuaded.

"Dad, if only you had understood this a few years earlier. You used to borrow money for expenses, but I borrowed money for business, and the meaning is completely different. Hu Mingchen insisted on his own opinions.

To be able to use the bank's money to strengthen himself, Hu Mingchen is definitely very happy. He didn't worry about the problem of not being able to repay the loan at all, and he had the money to invest in Phoenix Mountain, and he would 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, but since the vast majority of banks in our country are state-owned, this makes banks basically focus on state-owned enterprises and the government, and provide a large number of policy-based loans.

The congenital genetic problems of state-owned enterprises will make the efficiency not high and the benefits will not be large. On the contrary, the flexible and diverse and thriving private economy is difficult to obtain financial support from banks.

On the surface, it seems that there is a fear that the funds will not be recovered if they are lent to private enterprises, and if they are lent to state-owned enterprises, they will become bad debts, and the government will cover the back, but they will be held responsible for the failure to recover the loans to private enterprises.

However, if we think about it at a deeper level, it is still a question of the change in thinking and understanding of the entire country and the government on the private economy, and the impact of the planned economy on the entire system for many years is very great and far-reaching, and it will take many years for this situation to be reversed.

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

However, in this general direction, Hu Mingchen will not care about those face problems.

Hu Mingchen was very anxious, so he called Xu Tiancai to inquire about the situation on the same day and asked him for help.

Xu Tiancai once promised Hu Mingchen that he would not say a word if he asked him for help, and promised that if Hu Mingchen asked him to borrow money, he would definitely borrow twenty or thirty thousand yuan.

Therefore, when Hu Mingchen called Xu Tiancai and asked him to help draw a line and borrow some money from the bank, it was not easy for Xu Tiancai to say if he refused.

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

Xu Tiancai can't be untargeted, and it is impossible for Hu Mingchen to know that he knows someone in the bank, so it can be inferred from this that there is no one else who is not Wang Zhan.

"Uncle Xu, you don't want to help, right? Uncle Wang didn't teach me, I was looking for him, he mentioned that you had borrowed money from the bank and had a way, no, I just had to ask you for help and try it." Hu Mingchen said.

Hu Mingchen didn't follow Xu Tiancai's meaning, nor did he ask him bluntly, but his soft words still caused a certain amount of pressure on Xu Tiancai.

"I guessed that it must be him, help, of course I'm willing to help, but you also know, I'm not from the bank, I have to find someone to dredge, I don't dare to pack a ticket if it doesn't work." Xu Tiancai said.

"That's, that's, this kind of thing, who dares to pack a ticket. It's just that Uncle Xu has made a match, and I believe it will have some effect on the young people. Hu Mingchen said.

"How much are you going 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's company hasn't been established for a long time, the registered amount is not high, and I don't know how much I can borrow. It's just that in terms of my needs, of course, the more the better, and I won't have too many hundreds of thousands or millions. Hu Mingchen said frankly.

"Hehe, you kid would think, your company's registered amount is only 30,000, who will lend a few million? Xu Tiancai was amused by Hu Mingchen.

"Uncle Xu, you won't tell me, I can only borrow 10,000 or 20,000, if that's the case, I might as well borrow from you, remember that you promised me to borrow 30,000. Hu Mingchen said in Xu Tiancai's words.

"You...... Of course, 10,000 or 20,000 is not enough, who will ask them for a loan. However, at most, it is 100,000 yuan, which you have to know in your heart, so I asked you how much you want to borrow, and I can't do anything if I have more. Moreover, even if it is more than 100,000, it depends on how well people review it, I think you can understand it. Xu Tiancai said a little bit of a vaccination first.

For Xu Tiancai, of course, he hoped that Hu Mingchen would find a bank loan, not a loan from him. If he finds a bank loan, he can't pay it back, that's the bank's business, and it has nothing to do with him. If you ask him to borrow it, it's okay to pay it back on time, but if you can't, it's troublesome.

"I understand, I understand, whether it works out or not, I want to thank you. Uncle Xu, when can you ask your friends to have dinner, I'm in a bit of a hurry to use money now. Hu Mingchen said with a smile.

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

"Uncle Xu is not an old man, and he can guess it. Xingsheng Development Co., Ltd. has already eaten four plots of land on Phoenix Mountain, and wants to eat some more, but there are financial difficulties, so I will ask you for help. Since he was looking for someone to help, it was impossible for Hu Mingchen to hide it, and he couldn't hide it at all.

"Xiao Chen, I asked a friend who works in the city government, and it seems that there is no intention of development, will you gamble too much. Xu Tiancai said.

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

In Xu Tiancai's view, if there is that intention or sign, the city government must be the first place to have news. And now he can't inquire about the news at all, which means that there is no word, or even no possibility at all.

Although there is no absolutely sure business in the world, Xu Tiancai still likes to do what he can grasp, so he decided to wait and see where the wind goes.

What he didn't expect was that Hu Mingchen hugged his arms and went on, not only investing his family's money, but also planning to find money from the bank to invest it down. Xu Tiancai really admired this, of course, there were some disdains.

Only novices in business do this, and those veterans will definitely start after multiple evaluations.

"Uncle Xu, let's all say it's a gamble, since it's a gamble, then there is no big deal, the key is to see if you can win the bet. As I said to you last time on the mountain, I believe that I can win, and I trust my analytical judgment. "To make Xu Tiancai willing to help himself, Hu Mingchen naturally has to show his self-confidence.

He didn't care what he thought of Hu Mingchen, Hu Mingchen only knew that in human nature, ordinary people don't like to deal with that kind of person who lacks confidence. An indecisive person has the first chance to lose half.

"Okay, whether you win or not, your courage and self-confidence are worthy of my appreciation and admiration. I'll find one of those directors in the past two days, and if he has time, I'll make an appointment to talk. When the time comes, I think it would be better for you to deal with him directly than your uncle to deal with him. Xu Tiancai finally had a clear attitude to admit.

Whether it is Hu Jianqiang or Hu Jianjun, it is still difficult to be recognized by people like Xu Tiancai for a while, on the one hand, there is not much contact, on the other hand, there is still a big gap between their conversation and knowledge and people like Xu Tiancai.

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

"Okay, no problem, then I'll thank Uncle Xu first, thank you. Of course Hu Mingchen has no opinion, and he doesn't believe that his father and third uncle can handle this matter.