In mid-January, the citizens of Q City were busy preparing for the New Year, and the people gradually found that two billboards had been erected near the gate of the department store and the Baihua Small Commodity Market on Center Road. Pen, fun, pavilion www. biquge。 info

"Go to the market economy and start a business in the sea!"

"Start a business and get rich, run a business, open a company, and help you solve all your problems." This line also has the words Dongxing Group at the end of the line.

People see this kind of advertisement is very novel, and it immediately attracts a lot of people who don't know the truth, and then they will be told by people nearby that the above Dongxing Group provides small loans, more than 1,000 yuan ~ less than 100,000 yuan can be loaned to you, provided that you have technology, no technology and ideas.

Dongxing's microfinance institution opened in a store next to the commodity market, two men and a woman sat behind a desk, and there was a small office behind them.

A merchant from the commodity market walked into this store room of more than 20 square meters and saw a variety of commodity types pasted on a wall.

Although there were a lot of people who came in, but there were not many consultations, he walked to the counter, looked at the people around him, everyone looked at each other secretly, he walked to the table and asked the young woman: "Comrade, do you really give a loan of 100,000 yuan?" ”

The girl smiled and said, "Hello sir, we want to see which industry you are doing, if there are development prospects and financial security, we will lend you a loan." ”

The man hesitated for a moment, looked at the people around him, he turned his head and whispered: "I sell leather goods in the commodity market, that is, belts, wallets, and occasionally leather shoes." Now I want to take out a loan to do a leather shoe business, can you lend me 30,000 yuan and lend me a turnover? ”

The girl jotted down a few words in her notebook and asked, "What is your surname?" ”

The man said, "Don't give your surname Zheng!" ”

Seeing that the man did not mean to report his full name, the girl said: "We can provide loans, business consulting, industrial and commercial agency and other services here. If it is a loan, it depends on what kind of enterprise you are doing, whether you open a store or set up a factory, and the interest is different, the interest rate of running a factory is the same as that of a bank, with an interest rate of 11.5% for one year and 14% for two years. The interest rate for running a store is higher, with a one-year interest rate of 25% and a two-year interest rate of 30%. ”

The man looked embarrassed and said, "Your interest here is so high!" ”

The girl nodded and continued to say to the man: "We have formal procedures here, the finances are reviewed by special personnel, you need an investment plan, and you must clearly inform us of what money is spent and where, and then we will release the loan!" ”

In the 80s, bank interest was very high, so the common people had money in the bank, and the rise in prices caused social tension and price control failed.

Industrial enterprises have all deposited their money in banks, and large-scale triangular debts have appeared in society, and the phenomenon of non-repayment of money is particularly prominent.

By 88 years the situation intensified, there was a shortage of money everywhere in society, but prices were still rising, and the central bank had to introduce a value preservation savings policy, with a three-year interest rate of 14%, plus a value preservation subsidy interest rate of more than 14%, and a total interest rate of nearly 30%.

It is conceivable that money can be made by depositing in the bank, and enterprises will invest their funds in the bank to eat interest, which has intensified the prevalence of triangular debt, and a large number of upstream enterprises have fallen into trouble in the late 80s ~ early 90s, which has exacerbated the bankruptcy of more state-owned enterprises.

The man waved his hand again and again and said: "I don't do business, I just want to open a store, and the 25% interest is too high!" ”

He shook his head and sighed and complained to the girl: "The interest rate is too high, and you can just lend, what do you care about how I spend it?" ”

The girl smiled, but shook her head and said, "This is the rule, we must ensure the safety of the money, if you deposit the money in the bank again, we will recover the loan!" ”

The man was stunned for a moment, and then his face showed embarrassment, he really had this idea, thinking that if the interest rate here was low, he could deposit the money in the bank to eat interest.

The girl rolled her eyes when she saw the man's expression, stretched out her hand to the side and asked, "You can think about it, please don't block the consulter behind, thank you!" ”

The man was deflated, and he reluctantly stood up and walked to the side, but still bracing his ears to listen to the next one's consultation.

"Girl, I'm just a leather shoemaker, can I also set up a factory?" A middle-aged man in his forties asked the girl after carefully sitting down.

The girl asked, "What's your last name?" ”

The middle-aged man said: "My name is Li Nancheng, I repair shoes around here, I can also make shoes, and I want to open a store to sell shoes!" ”

Others quipped: "This name is really bad, it's hard to achieve, how can it be called such a name!" ”

The man said embarrassedly: "The name is given by the family, and it is not easy to change." ”

The girl wrote down her name and asked curiously, "Do you want to sell shoes or make shoes?" ”

Li Nancheng said: "Isn't it the same to make shoes and sell shoes? ”

The people around laughed and said, "Are people asking you, open a store or run a factory." ”

Li Nancheng hurriedly said: "Make shoes, but I also have to sell shoes!" ”

The girl thought that this was much more reliable, and she said enthusiastically: "Mr. Li, if you have the technology, I suggest that you set up a factory directly, and you can start with a place of 100 square meters, and invest tens of thousands of yuan in machinery and equipment, we can help you." ”

Li Nancheng thought that this girl was really polite when she spoke, and she was always unaccustomed to it, but she felt respected in her heart.

He asked, "Is 10,000 yuan too much?" ”

Li Nancheng hesitated for a moment and said to the girl: "I have thought about it for a long time, borrowing 2,000 yuan is enough for the girl!" ”

The girl said politely, "Mr. Li, we have received many craftsmen like you. What you are worried about is nothing more than business problems, we have a plan, the company will organize you to carry out group development, bring together similar handicraftsmen like Mr. Li, and have professional designers to provide you with design, as long as you process it on time, we can help you solve this piece of marketing, we can work together to develop, mutual management, so that it is more secure! ”

Then the girl asked, "What do you think?" ”

Li Nancheng has skills, and the skills are very good, the most important thing is that he doesn't want to be poor for the rest of his life, so he made a lot of determination, nodded heavily and said to the girl: "Okay, I'll take out a loan of 10,000 yuan, whether it is success or failure depends on this trick!" ”

The girl nodded and said, "Mr. Li, please go to the manager's office to talk in detail." We have a perfect plan, how to help your business start, how to develop, will tell you in detail, and deal with business by us also, you don't have to worry! ”

Li Nancheng smiled again and again: "This girl is so good, she really knows how to be polite, good!" ”

The girl smiled: "This is what we should do, please, please get the information." ”

She handed over a small brochure, then got up and knocked on the office door in the middle, and it was a woman who opened the door, and the girl said: "Manager Zhang, this Mr. Li Nancheng wants to set up a factory, and he wants to borrow 10,000 yuan." ”

Zhang Tianjiao nodded and said to Li Nancheng: "Please come in, Mr. Li, let's talk about the cooperation method in detail." ”

Li Nancheng saw that the woman in formal clothes was a little restrained, nodded and walked into the office, leaving a room full of whispering people.

Zhang Tianjiao looked at the room full of people and said to the girl: "Xiao Zhang, invite all these people outside, don't have so many people in the house when we talk about specific things in the future!" ”

The girl was a little related to Zhang Tianjiao, but she was also afraid of this cousin, so she quickly nodded and said, "Okay, Sister Zhang!" ”

When Zhang Tianjiao turned around and closed the door, Xiao Zhang became angry again, crossed his waist and ordered the two men to hum and said: "Xiao Wang Xiaohu, you invite everyone out, don't have so many people in the future, do you hear it!" ”

Xiao Wang smiled and glanced at Xiao Hu, and said loudly: "Choke to death, Madham!" ”

"Hmph, next!" The girl sat down again, and shouted to the crowd of onlookers, as if looking for the next prey.

The lively people in the house and those who have something in their hearts have been invited out, and now it is quiet, and many people who really want to consult have become bolder, anyway, there is a door to block outsiders and they don't know what they are talking about inside, and the consultation cooperation is gradually increasing.

Lin Qiangsheng's microfinance institution started in an inconspicuous place, slowly expanded, and finally became a force that cannot be underestimated and can affect the economy of one side, the Eastern Galaxy! (To be continued.) )