Chapter 153: Usury
Wang's house is not far from the Guicheng Hotel, several people soon arrived at the Guicheng Hotel, Ding Hongxing asked for a box, he asked Wang Zhihua's family to go in first, saying that he wanted to go to the toilet, and after they went in, he went to the counter and told them to put today's meal money in their own accounts, if Wang Jiefang wanted to pay the bill, he said that he had already paid.
Ding Hongxing is a frequent customer here, and the counter readily agreed to his request.
Ding Hongxing walked into the box, Wang Jiefang was already ordering, he ordered several signature dishes of Guicheng Hotel, and when he saw Ding Hongxing coming in, he smiled and said: "Today is the first snow of the year, let's invite Hongxing and Zhihua to have a good meal." Red Star, the last time your store opened, I happened to be out on a business trip and couldn't go to participate, you go home and tell your dad to let him not be surprised! ”
Ding Hongxing said: "Uncle Wang, it's okay. ”
Wang Jiefang is a very bold person, but also very hospitable, Ding Hongxing was a child, the Wang family still lived in the Red Star Machinery Factory, he often went to the Wang family to play, as long as his family has good food, Wang Jiefang will not hesitate to take out the hospitality Ding Hongxing, this time although he was cheated by a scammer of a huge amount of money, but he invited Ding Hongxing to eat is also very generous.
This is also the reason why Ding Hongxing was so active in helping him find a way as soon as he heard that something had happened to the Wang family.
After a while, the dishes came up one after another, Wang Jiefang ordered a bottle of Guicheng Daqu in half a catty, and ordered three bottles of Jianlibao for the other three, he poured a glass of wine, raised his glass and said: "Come, let's have a drink together, this cup is thanks to Red Star, Zhihua's grades are much better than before, he said that you helped him with tutoring, uncle thank you!" ”
Ding Hongxing said: "Uncle Wang, you're welcome, isn't Zhihua and I just like brothers, shouldn't I help him?" ”
Wang Jiefang nodded happily and raised his head to make a toast.
Ding Hongxing said: "Uncle Wang, I heard Zhihua say that something happened in your factory, right?" ”
When Wang Jiefang heard this, he glanced at Wang Zhihua reproachfully, and Ding Hongxing said: "Uncle Wang, don't blame Zhihua, I forced him to say it." ”
Wang Jiefang sighed, poured himself another cup and said, "Alas, I have met a liar, so many years of hard work!" One night back to the pre-liberation period! ”
At the mention of this, Yao Xuefang's eyes turned red again, and she twisted her head to the side.
Ding Hongxing said: "I heard Zhihua say that you have received an order in the factory, right?" ”
Wang Jiefang nodded and said, "Yes, an order for a harvester of more than 300,000 yuan." ”
Ding Hongxing said: "Then if you raise a sum of money now, you can still resume production, right?" ”
Wang Jiefang said: "Well, I'm already raising funds. ”
Ding Hongxing said in surprise: "You have already raised funds?" ”
Yao Xuefang couldn't help it: "Where is he raising funds?" He's borrowing from a loan shark! ”
"What?" Ding Hongxing was taken aback.
Yao Xuefang began to talk about it, it turned out that someone heard the news this morning, and came to Wang's house to find Wang Jiefang to collect debts, and in the afternoon, there were already several people who came to collect debts.
However, when a friend was leaving, he pointed out a way to Wang Jiefang and introduced him to a financial company, saying that he could borrow money there.
The strength of this financial company is very strong, as soon as he answered the phone, he said that he could borrow less than 1 million, but when he asked about the interest, Wang Jiefang was a little stupid, the interest rate of the money they lent out was at least five cents per month, and when giving money, three months of interest should be deducted first, that is, borrowing 100,000 yuan can only get 85,000, but when calculating the interest, it must be calculated according to 100,000, not only that, the calculation method of this interest is still donkey rolling, that is, compound interest, as long as there is a month of interest is not repaid in time, it is a rolling interest.
The conditions are so harsh, Wang Jiefang couldn't help but hesitate, this is a bottomless pit, if you really borrow money from them, when will you be able to pay it off?
Yao Xuefang also asked him not to borrow usury, but Wang Jiefang was really desperate, if he couldn't raise money, he could only sell the factory, but at this time, how much money could he sell the factory? Buyers are not going to die to lower prices? When the time comes, selling those few dollars will not be enough to pay off the debt, and his life's hard work will be ruined.
Wang Jiefang thought about it, find a financial company to borrow a sum of money, and complete the big order on hand with some raw materials, which can earn tens of thousands of yuan, enough to repay a few months of interest, and then run harder and faster, take a few more orders, maybe he can turn over, so he called the financial company again, saying that he wanted to borrow money.
The service of the financial company is very thoughtful, Wang Jiefang made a phone call within half an hour, they sent someone to find the door according to the address provided by Wang Jiefang, and also brought color printing materials, and introduced various grades of loan projects to Wang Jiefang, Wang Jiefang hesitated again and again, and finally decided to borrow 300,000 yuan from them, with a monthly interest rate of five cents, in this way, he still has 250,000 yuan of money in hand, and the most urgent few arrears are repaid, and there are nearly 200,000 left, and you can go to the raw materials to complete the order.
The efficiency of the financial company was quite high, and they recorded Wang Jiefang's information, saying that they would bring the money the next day and sign a loan contract with him on the spot.
Yao Xuefang has always disagreed with Wang Jiefang to borrow usury, and seeing that Wang Jiefang insisted on going his own way, she had a little unpleasant trouble with Wang Jiefang, so when Wang Zhihua and Ding Hongxing returned to Wang's house, the atmosphere was so solemn.
Seeing Yao Xuefang wipe away her tears again, Ding Hongxing smiled and said, "Aunt Yao, don't worry, haven't you borrowed this loan shark yet?" I've helped Uncle Wang find a way now, and I don't have to borrow usury! ”
Yao Xuefang said with surprise and joy: "Red Star, what you said is true?" ”
Wang Jiefang also asked, "What way did you help me?" ”
Ding Hongxing said: "I know the head of the credit unit of the Agricultural Bank of China, I told him about it, and he promised to provide a loan to your factory." ”
Wang Jiefang was overjoyed: "What you said is true? That's great! I also thought about looking for a bank loan, but I went to a few banks, and as soon as they heard that we were a private company, they refused without asking about anything else! ”
Ding Hongxing said: "Of course it's true, but this loan still has to use your plant and machinery and equipment as collateral, you have to prepare all the relevant information, and get the credit stock of the Agricultural Bank of China tomorrow morning to go to Director Zhang." ”