Zhang Guoqiang frowned and said: "Nonsense, where is it so easy to get a loan? Why should the bank lend you money?"

Zhang Chen said seriously: "Dad, if we borrow from the bank ourselves, the bank is indeed unlikely to lend." But it would be much easier if we set up a catering company first and then borrow money from the bank in the name of the company. Even if our catering company is not an entity now, it can pass the bank's loan approval through some technical means. We don't need to borrow for too long, a loan with a term of one to three years is sufficient. ”

Zhang Guoqiang still objected, "What you said is too idealistic, what if you can't do it?"

Zhang Chen smiled, "Dad, do you know what M2 is?"

Zhang Guoqiang shook his head, he has always been engaged in technical research work, and he knows almost nothing about economics.

Zhang Chen said: "The so-called M2 is the meaning of broad money, which includes all the cash circulating in the market, plus the money deposited by all the people in the country in the bank and the additional currency issued by the central bank. The growth rate of M2 directly indicates how much new currency the country issued that year. If the growth rate of M2 is consistent with the growth rate of our GDP, it indicates that the country has not over-issued currency, and if it exceeds the growth rate of GDP, it indicates that there is an over-issuance phenomenon, which will cause currency depreciation. In recent years, since 92, the growth rate of M2 in our country has been above 30%, and the highest has even reached 37%. But what is our GDP growth rate? Last year's growth rate was less than 11 percent, which means that in one year, the central bank over-issued more than 20 percent of the currency!"

Zhang Chen's words stunned the three people who participated in the discussion, and the sister-in-law said in surprise: "Chenchen, where did you know this?"

Zhang Chen said calmly: "Sister-in-law, these newspapers and TV are available, whether it is the People's Daily or the Bincheng Evening News, there is relevant information, but we don't usually pay attention to it." “

Su Wenjin was puzzled: "What is the impact of the country's over-issuance of currency and our bank loans?"

Zhang Chen continued: "Of course there is an impact, Mom, if you think about it, the over-issuance of the national currency will inevitably lead to currency depreciation. That is, the purchasing power of the money we put in the bank decreases, and the money becomes less and less valuable. Ten dollars now, in a few years, may be able to buy things for one dollar. You see, how much have prices gone up now since '90? That's the effect of currency depreciation. So, let's think differently, now borrowing from a bank, even if you pay interest to the bank, is relatively less than the loss caused by the depreciation of the inflationary currency, that is, the more money you borrow from the bank, the more you earn. “

Zhang Guoqiang was furious, "Aren't you taking advantage of the country's exploitation! No matter how poor our family is, we can't do such a thing." After all, Zhang Guoqiang was born under the red flag, grew up in New China, and has been educated by the party for many years, so he really can't accept Zhang Chen's "fallacies and heresies".

Zhang Chen defended: "Dad, how can this be taking advantage of the state? The current state policy is an economic stimulus policy, and under the current policy, the state encourages loans for legitimate business activities, and even banks have loan targets, requiring banks to provide the society with a corresponding amount of loans every year, and it is not okay if they cannot lend money." “

Zhang Guoqiang didn't believe it, and their chemical bureau would also borrow money from banks, and every time they took out loans, it was like begging grandpa to tell grandma to beg the bank; in his impression, how could the bank take the initiative to lend money to others? What's more, in his thinking, the country needed money in too many places, and to borrow money from the bank was to take advantage of the state. Moreover, there is also the pressure of repayment on the head, in case it is not paid, what should I do?

Zhang Chen said with a smile: "Dad, think about it, why the state will relax the restrictions on personal and enterprise loans is to vigorously promote the private economy and strengthen the vitality of the market. GDP growth can only be achieved if the economy is more dynamic and the speed of money flows is faster. Therefore, in the future, not only enterprises will borrow from banks, but we may also borrow from banks to buy houses and cars. Borrowing consumption will become more and more popular, and even become mainstream. This is not at all a drag on the country, but to help the country's economic construction. “

Zhang Chen paused and continued: "We are looking for bank loans now, not to spend money indiscriminately, but to open a store. When we open a store and the turnover goes up, we will create corresponding tax revenue for the country, and with tax revenue, the country can become rich and strong. “

Hearing this, Zhang Guoqiang was quite moved. But out of the face of being a father, he still snorted coldly and did not say anything.

Zhang Chen saw that Zhang Guoqiang's attitude had relaxed, and hit the railway while it was hot: "Then so be it, I'll handle the loan, Mom and Dad, you have recently taken a look at the store, preferably more than eighty square meters, so that you can put a few more tables." Oh, by the way, in terms of location, it is best to be in the business district on the other side of the QD area, which is full of people and easy to do business. “

Su Wenjin asked worriedly: "How expensive is the rent of the store on the east side of the bridge, if you lose it, the loss will be great." “

Zhang Chen said with a smile: "Mom, don't worry about the rent, as long as our hot pot restaurant opens, it will definitely be an instant hit, and the more people flow, the better the business." As long as the business is good, why worry about rent? But we are renting, and we must be careful that the landlord does not renew the contract with us when our business is hot. It is better to sign a 5-year rental contract at once, we pay every year, and if the landlord does not agree, we can indicate in the contract that the rent will increase by 5% per year as a preferential condition. “

Although Su Wenjin is a woman, if it comes to courage, she is a few points stronger than Zhang Guoqiang. Coupled with the fact that the financial burden of the family is now on her alone, she has long wanted to do something to change the current family situation.

Su Wenjin gritted his teeth, "That's good! That's it! Chenchen, let's take care of the loan, you still focus on studying." He shook his fist as he spoke, giving himself confidence.

Zhang Chen smiled: "Mom, don't worry, if we want to apply for a loan, we have to register a company first, do you have a company name in mind?"

Su Wenjin was stunned for a moment when he heard this, yes, he still has to register a company, so how to name the company?

Seeing that Su Wenjin and Zhang Jingyi had no ideas, Zhang Chen chuckled and said: "Mom, I have a name, since we are mainly hot pot and shabu mutton, it is better to call it 'Little Sheep Catering Co., Ltd.', and the name of our hot pot restaurant is 'Little Sheep', what do you think?"

"Little Sheep?" everyone's eyes lit up, the name is good, catchy, highlighting the theme, and it makes people appetize when they hear it.

Su Wenjin clapped, "It's called Little Sheep!"