"Congratulations, Mr. Wei and his brothers have opened a branch, and the business will be booming in the future. The local leaders came to attend the groundbreaking ceremony of the Kang Shuaifu branch and congratulated them with a smile.

Although the factory is not very large, Wei Yingzhou has planned a huge blueprint for him, saying that it is a good development, and in ten years, the factory will develop into a food industrial park, which will bring tens of thousands of jobs to the city and create hundreds of millions of taxes in the future.

Kang Shuaifu instant noodles, this leader has also eaten them, and the taste is not bad, at least when I smell it for the first time, I think it is very fragrant. This Kang Shuai Fu instant noodles are said to be older than the qualifications for good taste, and they came from Baodao.

Treasure Island is good, attracting merchants over there to invest, not only can drive the local economy, but also the politics ~~ governance is correct, if this company can really take root here, continue to grow, and even attract more treasure island funds, why can't he be promoted?

"With the good words of the leader, I also hope to create more tax revenue for the city and make greater contributions. Leader, one more thing, the city promised to build a road for us. Wei Yingzhou hesitated and said.

"Isn't this fixed?"

"This is a dirt road, shouldn't it be a cement road?" Wei Yingxun pointed to the road, you also called it repaired?

"At the beginning, we promised to harden the land for you, is this hardening? As long as you don't take a big car, it's absolutely fine. We also want to repair the cement road, but we really don't have the money. If a few Wei can come up with a sum of money, the city will also allocate a corresponding amount of money to jointly repair this road. ”

Wei Yingxun wanted to say something, but was stopped by Wei Yingzhou. The factory has been built and the equipment has been installed, what else can they say? At this time, if there is a conflict with the local political axe, won't their money be wasted?

I should have chosen to buy some bankrupt factories, at least the roads in front of those factories have been repaired, even if there are some potholes, the car will drive slower, and I will never think that there will be mud puddles due to rain, even if it is repaired, it is cheaper than building a new road.

"We really don't have any money. Leader, there is another thing I want to ask the leader for help, we plan to take a loan in the bank, I hope the leader can help say hello and release the loan as soon as possible. Wei Yingzhou said with a smile.

"Well, in principle, the political axe cannot interfere in the operation of financial institutions, but since Mr. Wei has spoken, I will also do me a favor. In this way, find a place in the evening, and I will make an appointment with the leader of the bank for you, and we will talk while eating. ”

"Thank you, I set up a table in Tianxiangju that night, please be sure to appreciate the light. ”

Waiting for the leader to leave, Wei Yingxun said with a disgruntled face: "Big brother, it's obvious that they don't keep their promises, why don't you let me say it?"

"What's the use of saying it? What do you think are the chances of winning a lawsuit with a political axe?"

"We are from Baodao, how dare this inland political axe not do us?" Wei Yingxun stiffened his neck.

"Confused! That's what the above policy says, but if you look at how many people in these places are completely in accordance with the rules? Besides, when the time comes, he will give us a list of problems, and it will be a big deal for both sides. ”

"He can't sit still in this position, what should we do with our factory? We have insufficient funds, we have to borrow from the bank, there is a local political axe, the loan is easier to approve not to mention, and the interest can also get the lowest, this is the most important thing!"

"You go to Tianxiangju to set a table, the dishes need twenty, and the wine needs the best Luzhou Laojiao, if you don't have Moutai, it's okay. At night, you stay and watch the factory, the second and third children, you go with me, try to borrow more than 25 million this time, and we can use this money to open another branch, so as to complete the factory layout as quickly as possible!"

……

"Thank you for your appreciation, our brothers, it's a great honor to have you. Wei Yingzhou stretched out his hands enthusiastically.

"Hahahaha, Mr. Wei, this is President Chu of the Agricultural Bank of China, who is in charge of credit business, and he can do it for you. ”

"President Chu is good, can the Agricultural Bank of China also give us corporate loans?" Wei Yingzhou hesitated.

"You're making food, aren't you? Isn't food just agricultural and sideline products, in line with the regulations, no problem. Governor Chu explained. If it doesn't meet the regulations, it's not that we have the final say, I say it's compliant!

Wei Yingzhou's face showed joy, sure enough, it is easy to have the help of a political axe, and his experience in the past few years of hard work in the mainland has played a role.

"Then thank you to Governor Chu. I would like to give a toast to a few leaders, thank them for their help, and let's chat while eating. ”

After three rounds of wine and five flavors of food, Wei Yingzhou felt that it was almost the same.

"President Chu, you see that we are in this factory in the city, can we mortgage a loan in your bank?"

"Yes, Brother Wei has spoken, can I say no?"

"Then President Chu, do you think it's okay for me to borrow 30 million?" Wei Yingzhou temporarily increased the loan amount.

"How much? Brother Wei, you're not joking with me, are you? How much is your factory, how much is the plant plus equipment? Not to mention that the mortgage also has to consider the risk, and I can only give you at most 60% of the value of the collateral. ”

"My equipment is worth 25 million, how can the factory have more than 5 million, it's okay to borrow 30 million, right?" Wei Yingzhou poured a glass of wine for President Chu.

In the past, he took out loans in Tianjin, but he could borrow as much as he could, and sometimes even a little higher.

Now when I say 65 percent, I must have not drunk well, or wanted something.

"Brother Wei, you also said that your things are only 30 million when they are full, and I will work hard to give you a loan of 18 million, three years, with an annual interest of 6.85%, compound interest. ”

6.85 percent?

Wei Yingzhou's face changed, is this Governor Chu joking with him again? Before, he took out a loan from Jinmen, and the five-year repayment period was only 3.25 percent of the annual interest, which was not compound interest.

"Brother Wei, do you think it's too high? Have you taken out a loan before? Tell you, now the policy has changed, just a few days ago, ......"

It turned out that a few days ago, Mr. Zhu strongly intervened in banking institutions to check accounts, especially loans. Why did a real estate bubble break out on the island? In less than two years, housing prices have risen eightfold, from about 1,000 to 8,000, 8,000 yuan, and how many people have worked all their lives and can't even afford half a house!

Those people are speculating on housing prices through bank loans, changing hands layer by layer, everyone wants to make money, so they naturally have to sell at a higher price, and in the end no one takes over, it becomes an unfinished building, a ghost building, and the bank loan cannot be recovered.

What do banks want so many buildings for, a building worth 10 million, it was a surprise that hundreds of millions of dollars were loaned out, and several banks passed the buck to each other, and the money could not be recovered anyway.

Therefore, Mr. Zhu issued an order to tighten the monetary system, increase the loan interest and threshold, and increase the deposit interest at the same time, and began to absorb savings.

This also has the benefit of stabilizing prices and avoiding increased inflation. If everyone saves all their money, there will be less circulation, and if the goods cannot be sold, the price will naturally be reduced, and inflation will be curbed to a certain extent.

As a result, in just a few days, the interest rate of bank loans has more than doubled, and the lending ratio has also decreased rapidly.

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