Chapter 32: No Loans, No Killing

Wenzhou merchants became famous, and the money that banks could borrow also increased. The pen "Fun" Pavilion www.biquge.info seven aunts and eight aunts, or will stuff money into the homes of people who can make money, and the society will be humane and prosperous.

Wenzhou people who know that they have problems with their business actually don't want the money of the seven aunts and eight aunts, but if they have to send it over, if they don't accept it, it will be like you look down on your relatives.

At this time, it is not clear that their business may be about to fail, and this is said that the bank's hundreds of millions, more than a billion yuan, will be immediately withdrawn. Originally, it was just that it might be dying, but as soon as the bank joined, it immediately became really bad.

Therefore, many people, knowing that they are dying, have to buy a luxury house and a luxury car, so that the bank can see that they are particularly rich and not short of money, so that they can continue to lend boldly and boldly.

It's a pity that the financial crisis of 07 and 08 was too serious. A lot of people do this, and banks aren't stupid.

Since you're rich, right? Those banks that have been in contact for more than ten years and call you brothers and sisters will tell you that you will pay back the 200 million on my side first. As far as our relationship is concerned, if you repay it today, I will re-lend you 300 million tomorrow.

As a result, some people took out all the money they had left, plus the money raised by the seven aunts and eight aunts, plus the study of their sons and daughters, and the food they bought for the cats and dogs at home, and repaid the bank loans.

And then, there is no then......

If you want to say that the bank is not moral, the bank's money is not its own, it is all the people's money, and it must not be protected? If you want to talk about the morality of the bank, the jumping off the building is also forced out in this way.

If you owe money to the bank, it doesn't really matter. Isn't it bankruptcy, liquidation, or something? What else?

In 07 and 08, there were countless companies that collapsed because the bank recovered the loans, but I have not heard of any big businessmen in any place who jumped off the building like Wenzhou businessmen.

Until now, there are still many people who understand Wenzhou businessmen that they were burned and counterfeit and shoddy when they sold fake leather shoes in Hangzhou in the eighties.

It was true that those Wenzhou people sold fake shoes back then, but that was mainly because the Wenzhou people of that era had no knowledge, and the news was closed, and they had no concept of trademarks at all, and they had never seen anything in the world.

Today's Wenzhou leather shoes are exported to Europe and the United States, and Wenzhou shoe factories are mostly counterfeit and shoddy sufferers.

Wenzhou people pay attention to honesty in doing business, and if they can't repay the bank's money, they can slowly find a way to make a comeback, and many people have the ability to do it. But it is different if you owe seven aunts and eight aunts, and this has become the last straw that crushes many people.

Apologizing for sin with death, in the final analysis, should also be regarded as a kind of integrity, and this kind of courage may not be found by many businessmen in other places.

In those two years, Wenzhou's housing prices were cut in half, and a whole commercial street in the old city that had just emerged was almost crowded.

Although Zuo Jianshe has not been devastated by the financial crisis, he knows Cheng Fengchun because of the financial crisis in 97 and 98. He saw Cheng Fengchun's experience back then.

Do what you can, don't make the business too big, don't look for bank loans, such an idea was already there when Zuo Jianshe met Cheng Fengchun.

In 2008, seeing so many business predators being forced to jump off the building, Zuo Jianshe became more determined in his ideas.

Zuo Jianjian's business does not need to decorate the façade, so he does not buy luxury houses, and second, he does not buy luxury cars.

Ordinary friends only know that Zuo Jianshe makes New Year's candles, and he and Cheng Fengchun collaborated on scented candles, because they were not sold in China before, and there are few people who understand them.

Zuo Jianjian, in Wenzhou, is a low-key and rather inconspicuous businessman. If Zuo Jianshe goes out and tells people that his candle company is worth hundreds of millions, it is estimated that no one will believe it.

Just because no one thinks that Zuo Jianshe has much money, in 07 and 08 years, there were no big entrepreneurs to borrow money from Zuo Jianjian, and if I really thought of opening up to Zuo Jianjian, at most it was only one million, hundreds of thousands.

Zuo Jianjian, a "small trader", has never been in the circle of "big businessmen" in Wenzhou, and the reason why he knows the two big businessmen who jumped off the building is because of Zuo Zai's reading problem.

Back then, Zuo Jianshe wanted Zuo to go to Beijing No. 4 Middle School to study again, but he had no way, so he tried his best to meet a few big entrepreneurs who he thought were more accessible.

The two people who had the accident had helped Zuo Jianshe ask his friends in Beijing, and one of them replied that he couldn't, and the other said that he could get a borrowed one.

It is not a particularly deep relationship, and after Zuo went to the United States to study, Zuo Jianshe did not have much contact with these two people.

In 2008, when the two had an accident, the children were still studying in college abroad.

Zuo Jianshe thought about it, prepared two cards of one million, and gave them to the wives of the two people very low-key, saying that the two people were handed over to him before the accident and saved in the name of an unrelated person, so that the child could finish the book.

So many people who come and go all day don't explain, and explain to this Zuo Jianjian, who has met at most two or three times? The wives of the two can understand if they think about it, and this money is Zuo Jianjian's own at all.

It is said that the wall is down and everyone pushes it, and people like Zuo Jianshe who quietly stuff money will never be able to find a second one at that time.

Zuo Jianshe gave the money to others, first, he didn't expect people to pay it back, and second, he didn't plan to ask people to be grateful. He just felt that the grace of a drop of water should be reciprocated by a spring. A child can't read half of his books, not to mention that he is the two people he met because of the problem of children's reading.

It is said that an emaciated camel is bigger than a horse, but this is often not the case.

A white-collar worker, or a small businessman, fails to invest and loses money, and at most owes 1.8 million yuan. This money, ordinary people, hard work, can still wait until the day when it is repaid, but as soon as these business predators fall, the bank alone may owe billions of dollars, how to pay it back?

Those who will jump off the building will not be those, who have the intention of hacking the bank and the seven aunts and eight aunts to run away with money, leaving a way back for themselves.

These two people, whose family's house and car deposits, have long been seized, and in the end even eating has become a problem. That's why Zuo Jianshe needs to deposit the money in the name of an irrelevant person and then take it secretly.

In addition, before these people were desperate, they must have borrowed high/interest/loans, and the remaining orphans and widows, if they continue like this, even their wives will have to jump with them.

Fortunately, the government quickly pressed down the high interest/loan, no matter how the IOU was written, whether it was three points, four points, or five points, if you borrowed money, you only need to repay the principal.

At the end of 2008, the state took another 4 trillion yuan to bail out the market.

Many people say, there are no four trillion, and they don't see the shadow.

But at that time, those Wenzhou businessmen who had already stepped out of the roof with one foot and were ready to jump knew very well that it was the four trillion that saved them.

In fact, these people have not seen the shadow of four trillion either.

It's just that with these four trillion yuan, the bank's loan policy has become looser, and the loans that have been recovered have been approved again.

In 07 and 08 years, many Wenzhou enterprises had problems with liquidity, not with the ability to make money. All they need is a chance to start over.

Thanks to the government, these four words, the Wenzhou businessmen who came to relieve themselves said it from the bottom of their hearts.