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Chapter 297 Lending

In the vast majority of cases, when we encounter temporary financial difficulties and urgently need a sum of money to tide over the difficulties, the first thing that comes to mind is to borrow money, borrow money from friends and relatives - this seems to be normal. 【】

However, when you need money, you know that the one million yuan in the hands of your relatives can generate a profit of 30,000 yuan in a month, then ...... Are you embarrassed to borrow money for nothing?

Even if you are cheeky and want to get this cheap, will your relatives be willing?

No!

Then this will involve the issue of "the brothers settle the accounts" -- since you can earn 30,000 yuan a month for the one million yuan in the hands of your relatives, and you urgently need to borrow this money, then you must take out an extra 30,000 yuan a month to repay the relatives, so that it is reasonable.

The extra 30,000 yuan means something else, right?

That's right, interest!

Therefore, this method can also be regarded as a kind of loan in disguise, if this kind of loan between relatives and friends is raised to a higher level, involving a kind of financing institution and a guarantee intermediary, so as to clarify this kind of behavior, it is the so-called private lending - usury.

The term may sound pejorative, but in many cases it is this type of underground financing that promotes and helps small and medium-sized enterprises to develop.

It is no exaggeration to say that the trend of private lending that has quietly emerged in Wenzhou has a trend of national lending.

Some readers may want to say, is it a bit too impersonal for relatives, friends, and acquaintances to help each other and talk about interests?

Contrary!

It is precisely because we have to take into account the human touch that we must consciously pay the corresponding interest.

It is precisely because of the consideration of the human touch and the embarrassing face of both parties that many business leaders do not open their mouths to relatives and friends when they are in urgent need of funds, but prefer to choose a financial institution guarantee company that needs to pay higher interest or a more reputable guarantor, and go to them to borrow usury.

After all, this kind of borrowing money is not a small amount of a few thousand yuan or 320,000 yuan, which can be ignored.

So why not go to the bank for a loan?

The reason is very simple, when the step-by-step procedure from the bank loan is down and the loan funds are received, the daylily is cold; In addition, what if the bank does not lend a small loan or other circumstances, you still have to invite a gift to the trustee to go away, and you may not be able to get the loan...... On the other hand, private lending is much more convenient, fast, convenient, and you can also take out loans for a short period of time, and there is no need for collateral, which is more convenient.

Probably the only drawback of private lending is that the interest rate is too high, but for small and medium-sized enterprises that urgently need working capital, it is out of the way!

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Listening to Zhou Yangping's simple narration, Ma Liang really felt a little unbelievable.

Ma Liang, who grew up in the living environment of his hometown in the countryside of Central China, has never been in contact with it, and has never even heard of it, and there is still this kind of private financing method in today's society -- usury, which should be the means used by the landlords and rich peasants in the old society to harm the poor and middle peasants in the old society, right?

If you don't like it, Ma Liang is a bit of a dirty bun!

"I really don't know, there is such a situation......" Ma Liang never didn't know how to pretend to understand, he scratched his head and told the truth, while asking in surprise: "How much did your family borrow this time?" How long does it take? ”

"Not much, five million, for three months." Zhou Yangping smiled and said, "Liangzi, I really have to get to know you again, are the so-called Taoism, Feng Shui physiognomy and I Ching gossip all true?" Just by looking at my face, I could see that I needed to raise funds a few days ago, and the difficulties were solved, and I would not make any money...... You're right, the five million invested in, from processing and production to sales, the final profit after the return of funds is more than 500,000 yuan, of course, our company's inherent small amount of working capital and within three months slowly withdraw part of the funds into it, there will still be other profits every month, but the more than 500,000 dollars earned by usury investment in it, even the interest is not enough, alas. ”

Ma Liang secretly spoke, if he wanted to calculate it like this, if the four million in my hand were usurious, not more, the monthly interest of three cents would become four million and 360,000 in three months? Damn, if this is a year's loan shark, it will become 5.44 million ......

This, this business can be done!

Looking at Ma Liang's surprised expression, Zhou Yangping smiled: "What? Do you have the intention to put your savings in? ”

"Well, I'm really tempted...... "Ma Liang nodded.

Lin Xiaohe said: "There are higher than this, the monthly interest rate can reach five points, and some of them will reach a dime or even more because of the short time required to borrow funds!" ”

"Oh?" Ma Liang was more moved.

Zhou Yangping quipped: "Liangzi, how much money do you have now?" If you have a deposit of 180,000 yuan, take it out to me and help you find a financing institution to put it in, it is more cost-effective than storing it in the bank, don't be more, 50,000 yuan a month can make you eat 15000 yuan! If you borrow directly from your own people, you can eat 2,000 yuan a month for 50,000 yuan. ”

"What else do you want someone else to do, just put it in our company, and you usually need to use it." Zhou Sheng said with a smile. This sentence is a bit purely to please Ma Liang - no matter how small the scale of Shenghui Leather Company is, tens of thousands of yuan is still not in the eye, but if you can get closer to Ma Liang, why bother with the extra three or two thousand yuan per month? It's just one more worker's wages.

In their opinion, a person with a background like Ma Liang is at best a deposit of tens of thousands of yuan, and I am afraid that there is not much in his family's savings.

Lin Xiaohe reminded with a smile: "At least Xiaoma has 600,000 yuan to lend now." ”

"That's right!" Zhou Yangping patted his leg and said, "How did I forget this stubble?" ”

Zhou Sheng immediately said: "Then, you can put it to my company now, and the monthly interest will be calculated according to four cents!" ”

"This ......"

Ma Liang hesitated, he was really confused by the huge profits. But now he can't adapt to the paid lending relationship in this brokerage environment, and he is embarrassed to ask for interest from his friends...... So after thinking about it, Ma Liang did not reply directly, but asked:

"Yangping, can you still return the five million that your company loaned?"

"Huh? That's definitely not going to work, say it's good for three months, hehe...... If you postpone it, you need to raise the interest rate, and if you refund it early, the monthly interest rate will be higher. Zhou Yangping replied.

"That's right." Ma Liang nodded.

Zhou Yangping was puzzled: "Liangzi, don't tell me, you want our family to repay the five million loan first, and then you will personally lend us five million." ”

"Yes, I wonder if your company is too much to suffer by loan sharks...... So I want to help you, but it won't take long anyway. Ma Liang said with a smile.

"Wait, you really have five million?" Zhou Yangping was surprised.

Zhou Sheng, Lin Xiaohe, and Lin Chen also looked at Ma Liang in surprise - this Ma Liang, who was born in an ordinary rural working family mentioned in Zhou Yangping's mouth, could have five million in cash?

"Pretty much." Ma Liang said, thinking in his heart that there are more than four million on the card, and Lin Xiaohe gave 600,000 just now, and the difference between 5 million and 5 million is only a few hundred thousand - for the current Ma Liang, those people in Beijing can open their mouths with whoever he opens their mouths with, and they can't dismantle hundreds of thousands of dollars?

"I'll rely on ......" Zhou Yangping punched Ma Liang heavily, and said with excitement on his face: "You really made a lot of money with your yin and yang immortal skills?" Or, did you buy a lottery ticket and hit the jackpot? ”

Ma Liang said with a smile: "It's not all mine, there are other money, but it's just in my place." ”

Seeing Ma Liang's vague words, Zhou Yangping didn't ask any more, and immediately said with a smile: "Liangzi, do you really want to invest this money in and lend money?" Give it to me if you want, and I'll vouch for you, although rest assured, there won't be a little bit of risk. ”

"Don't talk about that." Ma Liang waved his hand and said with a smile: "You return the loan shark money first, use my money, no interest, and help me lend money when it is used up, we can be considered two clear." ”

"This ......" Zhou Yangping was embarrassed.

Zhou Sheng shook his head and said, "The interest should still be paid!" In this way, you don't have to feel embarrassed about this kind of thing, under normal circumstances, there is an interest of two to three points if you put the money to the guarantee company, so our company will give you a monthly interest of three cents. Otherwise, we won't be able to borrow your money, so we can help you invest in the guarantee company. ”

This is reasonable, Ma Liang had no choice but to nod and agree, while pondering in his heart, good guy, there is such a lucrative business in this world, no matter how you hear it, it feels a little mysterious. If Zhou Yangping was not his friend, and he also saw the scale of their company, and the family conditions, he really couldn't believe that this was the truth......

Of course, there is a way to draw dragons and tigers, and it is difficult to draw bones, and you don't know people and faces. And what Ma Liang is least afraid of is being deceived. Because no matter who it is, if he really deceives Ma Liang, he will definitely become the most unlucky liar in the world.

Now that everything has been negotiated, Ma Liang did not delay, and immediately took out his mobile phone and dialed Wu Qiong:

"Xiao Qiong, have you eaten?"

"Well, just ate it...... Ryoko, I want to go to you. ”

"But you still have to go to class."

"I can take a leave of absence and make up for it when I come back, and besides, there are no more important lessons." Wu Qiong said a little sadly.

Ma Liang was embarrassed to continue to be gentle with his girlfriend in front of everyone, so he hurriedly said: "Okay, if you want to come, you can come, by the way, Xiaoqiong, is it convenient to call me one million now?" I have an urgent need. After saying this, Ma Liang's heart suddenly overflowed with a burst of self-reproach, and he realized that he was so hypocritical -- unconsciously, he had taken a large amount of wealth that he had easily obtained as his own, so that he would use it without any psychological burden in his words, deeds and thoughts.

If this was before, he would have been a little jealous of Heavenly Dao Nature......

Wu Qiong's crisp voice came from the mobile phone: "Okay, I'll ask my father to transfer money to you immediately." ”

"Oh." Ma Liang was a little dazed for a while, Wu Qiong agreed so happily that she didn't even ask what the money was going to be used for.

And after agreeing happily, Wu Qiong asked, "Liangzi, did you encounter something?" Would you like to pay you more? ”

"Enough is enough." Ma Liang hurriedly said, "Xiao Qiong, when are you going to come over?" ”

"I'll get people to book a plane right now!"

"Ahem...... Uh-huh, okay. Ma Liang nodded and agreed, his heart was warm, there was such a feeling of love for such a girl, it was really happy.

Wu Qiong said happily: "Then I'll let my father send you money first!" Hang up! I'll call you later, and I'll see you later. ”

"Ah, goodbye."

Hanging up the phone, Ma Liang saw Zhou Yangping and the four of them all looked at him with complicated expressions, especially Zhou Yangping - good guy, when Ma Liang asked for a million yuan just now, that tone was too relaxed, right? And although I couldn't hear what the other party on the phone said, I could hear it from Ma Liang's tone, and in just a few words, the other party agreed without hesitation.

That's not taking money seriously, right?

Even if he was as wealthy as Lin Xiaohe at the scene, he was quite surprised - is this Ma Liang really as his nephew Zhou Yangping said, his family conditions and background are extremely ordinary?

"That ......" Ma Liang reminded with a smile: "The money will arrive in a while, let's go and transfer the money." ”

"Huh? Oh good. Zhou Sheng hurriedly nodded in response, and said, "Don't worry, let's go back to the company first, and I'll write you a receipt." ”

Zhou Yangping came back to his senses from the shock and asked suspiciously, "Liangzi, was you on the phone with your girlfriend just now?" ”

"Well, yes."

"Sister-in-law is coming to Wenzhou?"

"Hey, gotta come...... I didn't either. Ma Liang smiled.

Zhou Yangping took a deep breath and said, "I have to take a good look at my sister-in-law, who is sacred...... I want to ask you the second brother, dare to ask if you can understand the legendary love Gu, and give that sister-in-law a love Gu to make people die for you in such a short time? ”

Zhou Sheng and Lin Xiaohe couldn't help but laugh.

Lin Chen pursed his lips and said, "Hey, you have to borrow money from your girlfriend for a long time, and then make money yourself......"

"This ...... Let's both make money together. Ma Liang sneered, thinking that he was really a little suspicious of eating soft rice.

Lin Xiaohe hurriedly said: "Xiao Chen, don't allow 1!" ”

"Hey, if it weren't for the fact that our company's funds were also tight, would we still need to let my uncle and their company borrow money? Alas. Lin Chen sighed.

"There are times when there is a shortage of funds, hehe." Zhou Sheng waved his hand indifferently and smiled.

Relatives don't seem to feel the slightest embarrassment when they talk about this kind of topic.

Ma Liang was a little puzzled when he listened to it - they are all big bosses and entrepreneurs, why do they sound as if they are all poor and want to lose their heads? If you really want to be short of money, it's enough to sell a few cars, so why be nervous all day long?

Moreover, he was willing to take out 600,000 yuan to give the god stick Yin Yang Immortal...... Is this the master who has no money?

Although full of doubts, Ma Liang was not easy to ask about these inevitably embarrassing things, and several people walked out of the Ouhai Hotel together with a smile.

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ps: Sorry for the late update.

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