Chapter 4 Monthly interest rate of three cents
Early the next morning, it was originally the day when Zhao Hongbing and Huang Tao discussed the signing of the share transfer, but after the end of the board of directors of Zhongsheng, Zhao Hongbing directly found Huang Tao.
"Red soldiers...... Congratulations! In the future, we will be the same company, and I won't call you Mr. Zhao, just call you Hongbing? Huang Tao laughed happily.
"Absolutely! You're my boss now, and you're older than me, so you can be called that! Zhao Hongbing said briskly.
Immediately after, Zhao Hongbing deliberately began to sigh.
"Alas! Mr. Huang, this transfer contract has been signed, but I still have a lot of things to deal with! Zhao Hongbing said worriedly.
"Oh? Red soldiers? What's the difficulty? Tell me if I might be able to help you? Huang Tao was naturally curious.
In fact, Huang Tao was not really curious about Zhao Hongbing's difficulties, he just wanted to further win over Zhao Hongbing, so that Zhao Hongbing could give him more advice to Zhongsheng, so that Zhongsheng could grow more and more.
"It's nothing...... It's just that my pockets have been a little tight recently, but I want to set up a small company and take some foreign orders, alas, because I'm not a native of Tangcheng! Zhao Hongbing pretended to be sad.
"Haha, Red Soldier, you are looking for me if you are short of money! I know a couple of nice agencies to take you to! After Huang Tao finished speaking, he wanted to go out, but Zhao Hongbing didn't want to.
"Institution...... The industry I did was too unpopular, and it is estimated that their initial evaluation mechanism would not agree with me, let alone lend me money, and I also tried, and Jinyi and Tianheng have been to several large institutions, and they have rejected me. Alas! Zhao Hongbing said helplessly.
Indeed, before coming here to work, Zhao Hongbing had already contacted these two institutions, but there was not even a special person sent over there, but from the content of Zhao Hongbing's dictation, his financing plan had been denied.
"That's right...... You don't have to worry, there are still a few people who borrow from private lenders, and they also have a good reputation, but ......" Huang Tao wanted to speak and stopped.
"What's it? Mr. Huang said bluntly that it didn't matter. ”
"Their monthly interest rates are quite high, the lowest is three cents, and the highest is even five cents."
Speaking of which, Huang Tao is a little embarrassed, he knows that this is the shady curtain of the industry, but in order to make the industry run smoothly, this has become the unspoken rule of the industry.
"What! It's so dark! Zhao Hongbing was frightened.
You must know that if it is a monthly interest rate of three cents, even if you borrow 2 million, you will have to repay 60,000 yuan of interest a month, and if you can't change it, you have to turn over the interest, which is really a bit of a usury.
However, there are too many new companies in Tangcheng every year, and there are many companies that need to raise money, and ordinary formal institutions cannot meet the needs of all companies, which has given rise to this method of private lending.
Naturally, this kind of private lending in the gray area will have higher interest rates and more windfall profits than ordinary lending companies!
"yes...... Originally, I didn't want to tell you this way, there are indeed some articles to do, but they are all on the edge of the law, and if you are not careful, you and the lender may enter the number! Huang Tao warned.
Hearing this, Zhao Hongbing was a little hesitant.
He rarely fought this kind of battle without much certainty before, but now if he does not grasp the opportunity to enter the wireless network paging system industry, he may give the five companies or even latecomers a head start, and even if they have money to enter the industry, most of them will be left behind.
Therefore, Zhao Hongbing only hesitated for two minutes before making a decision!
"Borrow! Must borrow! ”
Huang Tao saw that Zhao Hongbing was full of confidence, and wondered if Zhao Hongbing had discovered some new way, so he wanted to get a piece of the pie, and then asked: "Hongbing, if you are really short of money, I also have three million activity funds here, why don't I also invest in you?" ”
When Zhao Hongbing heard this, he immediately became suspicious, the money given by Huang Tao is not a loan, the meaning of investment is actually to invest in a new company, and it is three million at once, which is 200,000 more than Zhao Hongbing's initial capital, not counting the borrowed funds, Huang Tao can become the major shareholder of the new company, how can this work!
Although Huang Tao is not a heinous person, and he can talk to Zhao Hongbing quite well, it is impossible for Zhao Hongbing to explain the company's main business in detail before Zhao Hongbing fully understands him, let alone let Huang Tao become a shareholder in the new company.
After all, Zhao Hongbing is a person who has been reborn, and he knows very well what kind of business will make money from what company operates!
"Huh? How embarrassing is that! I'm actually experimenting and playing, I don't know if I can make a profit, if the income is not good, I will close the company as soon as possible, and then delay your earning or cut off your capital chain, I don't know what to do. So...... Mr. Huang, I can't accept your shareholding. Zhao Hongbing politely refused.
Although the reasons are a little unsatisfactory, Huang Tao is also a smart person, he knows that Zhao Hongbing did not mean to reject him, so he didn't take it seriously.
"Haha! Okay, okay! Then I'll take you to meet a few big brothers and sisters who are private borrowers after lunch, remember, they are all people with heads and faces in our Tang City, and you should be a little kind and polite. Huang Tao reminded.
"Remember, Mr. Tang." Zhao Hongbing said briskly.
It's just that Zhao Hongbing secretly thought that the so-called people with heads and faces are probably talking about people who are not afraid of the sky and the earth in black and white, otherwise they would not be engaged in this gray industry.
For these people, Zhao Hongbing has not met many people before, but he used to ask for debts to collect debts, but now he wants to wag his tail in front of people's doors and beg for mercy, which is indeed a little sad.
However, in any case, it is of epoch-making significance to be able to get this fund for the establishment of Feitong, even if it is a little aggrieved, Zhao Hongbing must endure it.
After lunch, Huang Tao asked Zhao Hongbing to withdraw about 100,000 cash, saying that it was money to be given to the intermediary.
It turns out that if you want to see these big brothers and sisters who lend private money, you must also have a donkey to guide the way, the so-called donkey, in fact, is an intermediary, but they are generally messengers, and over time they are called donkeys in the industry.
The donkey that Huang Tao found today is called Ah Sheng, Ah Sheng is a native of Tangcheng, and he used to be black, but he made a donkey after he was whitewashed, and the reputation of the industry is not bad, Huang Tao has also asked him for a referral before, and then borrowed a few loans.