Xu Youcai laughed: "The negative is only temporary, now the Internet café industry is on the rise, and your vision is good." It won't be long before you become a real rich man. ”

"Then borrow Brother Xu's words. Li Zhengyi poured him a glass of Sprite with his own hands.

Xu Youcai said: "It's true that the Internet café is making money, but after making money, what are the plans of the elder brother? Have you ever thought about taking another entrepreneurial path? After all, it may not be appropriate to stay in an Internet café for a lifetime, especially for you, you always feel that it is impossible." ”

Li Zheng smiled and said: "Then Brother Xu guessed wrong, the younger brother has no ambitions, he has made money, he can be a rich man in peace, why bother to fight hard again." ”

Xu Youcai shook his head: "My brother is forty and two this year, and you will be at least twenty years long, and you can see a little bit of decades of secular experience." For you, I don't dare to say anything else, but whether you are satisfied with the status quo, I can see one or two, you give me the feeling that I am not like a person who is a little rich and peaceful. ”

"Could it be that my ambition is exposed?" Li Zhengyi joked.

"Haha. Xu Youcai smiled, "It's not that it's not an ambition exposed, it's just an intuition to look at people." Brother gives you a suggestion, everything should be done as soon as possible, become famous as soon as possible, get rich as soon as possible, and start a business as soon as possible, once you are one step or even half a step behind, you may not be able to keep up with every step. ”

Li Zhengyi said: "What Brother Xu said is, but at present, for me, it is okay to do individual business, but it is a bit difficult to really start a business, the funds are insufficient, and the original accumulation is not so easy." ”

Xu Youcai said: "You are now a starter, and starting a business may not be as difficult as you imagined." As for funding, it's not too difficult in your current situation. ”

"What do you say?" Li Zhengyi put down his chopsticks and asked rhetorically.

Xu Youcai took a mouthful of food and put it in his mouth, chewed it slowly a few bites before saying: "You can take out a loan, I work in a bank, and to tell you the truth, the bank's external loan business is not in a recession at present." With your current situation, it is not too difficult to get an upfront financing loan. ”

Li Zhengyi asked in surprise: "Don't you all have to have real estate as collateral for your bank loans?" It is true that I open an Internet café, but the place is not mine, it is the land of the tenant. ”

Xu Youcai smiled: "Let me tell you, bank loans focus on three aspects, one is real estate mortgage, the second is expected income, and the third is personal relationship. In fact, as long as the relationship is good and someone is willing to help you operate, as long as one or the other is the same, it is not a difficult thing to get a loan from the bank. ”

"That is to say, if I entrust my brother to your relationship, even if I don't have real estate as collateral now, can I use the income from the Internet café to get a successful loan?"

"There is an error in your understanding. Xu Youcai explained, "Real estate is a must, this is a rigid rule of the bank, and it cannot be changed, except for the purchase loan, of course, but the contract is also required." What I just meant was that something needs to be done. Let's say you don't currently have real estate, but you have a projected income. The expected income indicates that the lender has the ability to repay the loan, and after this item is passed, as long as the expected income loan is used to buy a real estate, and then the real estate is used as collateral, the loan can basically be completed. Nowadays, real estate and the like are relatively cheap, as for the amount of loans, it all depends on the bank, within the limit, some people borrow the lowest amount, and some people borrow the highest amount, which is completely the role of the relationship. ”

Li Zhengyi was eye-opening when he heard it, and suddenly remembered some anecdotes from hearsay in his previous life, and now that he thinks about it, maybe the anecdotes are not anecdotes, but have a factual basis.

Some nimble businessmen are very familiar with the business related to loans, and then take advantage of the loopholes of the current loan business mechanism to start a jaw-dropping loan journey.

The most troublesome is said to be a businessman in the XS district of HZ City, who himself has a small factory, the factory is rented, because of the problem of funds can not be expanded, after studying the loan business, it is found that there is a very big loophole, very operable.

The businessman first used a part of the profits accumulated by the small factory to buy a house with a loan from Bank A, and when the bank lent money, for the purchase of a house, as long as you have the expected income and the purchase contract, the loan can be successful.

After the house was bought, the businessman used the house as collateral to take out a loan from Bank B, and then used the loan to buy the leased factory directly.

After buying the factory, the businessman again used the factory as collateral and borrowed a large amount of money from Bank B, and part of this money was used to expand production and improve the competitiveness of the enterprise. The other part is used to borrow money from Bank B to buy a house, and the house bought is not used for anything else, but is still used as collateral to continue the loan from Bank A.

There are not only A and B banks that can be used, but also C and D, in the same way.

In a few years, the final loan amount was in 100 million yuan, and finally the bank felt that something was wrong and began to check him, which could not be checked, and directly frightened the relevant personnel of the bank to lend money, and when measures were taken against him, it was too late.

Why?

To put it bluntly, it is worthless, the businessman finally used a trick to draw salaries from the bottom of the kettle, he and his wife have long since divorced, his son and daughter are raised by his wife, and all assets except for the factory that has expanded the production capacity by several times are all under the name of his wife, and his wife and children have already emigrated overseas, and even their nationality has been completely changed.

As for the businessman himself, he is also very comfortable, he runs a large factory by himself, carries a loan debt of 100 million yuan, pays off hundreds of thousands of interest every year, and lives a comfortable life.

What about banks?

The bank has no choice but to call the police, and the police are also helpless when they investigate.

It stands to reason that such a case was enough for a businessman to sit in prison at the time, but the government did not close down the factory and arrest him. The reason is actually very simple: it is very easy to seal up the factory and then arrest him, but what should be done after that? The value of the factory is far less than the bank debt, and once the factory is seized and the businessman is arrested, it means that the bank loan is completely lost, and he will never come back. Besides, the benefits of the factory are good, and if it is not sealed, at least hundreds of thousands of interest can be collected every year.

In the end, the bank had no choice but to let the businessman continue to operate the factory and repay the bank hundreds of thousands of dollars in interest every year, and the only price for the businessman was to restrict access and only allow free movement in the city, which was equivalent to being under house arrest in the city.

In fact, this is the result of the imperfection of the early bank loan business system and the existence of information silos between banks, and after the gradual improvement of later generations, such loopholes are almost impossible to exist.

Now that he thinks about it carefully, Li Zhengyi feels that it is very feasible, but he doesn't plan to use this kind of side door to make money, this method makes money and becomes a rich man, in fact, it is a real loser, but there is no shortage of money, but there is more to lose.

Therefore, Li Zhengyi used the method of discussion to tell Xu Youcai about the loopholes that exist within the bank and between banks as a joke.