After the opening of the Xiaoxiang branch, it seemed to bring good signs, UOB's deposits skyrocketed, and the large deposits were basically fixed for one year. It looks like the future is promising. Jia Jingmin frowned.

Others see that there are many deposits, and the banks are booming. Jia Jingmin saw that there was more money deposited, which meant that more interest would be paid in the future.

At present, UOB's large-amount fixed deposits have reached more than 2 million taels. If the scattered deposits are ignored, the interest will have to be paid more than 200,000 taels after a year! Coupled with the cost of bank operating expenses, this is not a loss, this is a serious loss, how can Governor Jia not be in a hurry?

Originally, according to the original plan, there was a deposit of money first, and then the deposit bank was released to collect interest on the loan.

The simplest algorithm, if you lend out one million taels of silver, you can recover 200,000 yuan in interest, and the accounts can basically be flattened. If you can put an extra few hundred thousand taels, the bank can make a lot of money.

However, since its opening, the Xiucai of UOB's loan department has been idle.

The times are different, Qin Feng comes from a modern society, the economic system of the modern society is huge, the business management is relaxed, the investment channels are diverse, and there is no need to worry about bank loans.

Dahua is completely different, let's talk about investment channels first, Dahua has no stock market, futures, no real estate mortgage projects, in a word, the people do not have any investment channels, this part of the good people, do not need loans.

Speaking of business, in order to protect businessmen and protect the vitality of social commerce, modern society has lenient legal provisions for commerce.

For example, if you have 2 million and you take 500,000 yuan to set up a limited liability company to do business, this 500,000 yuan is called the registered capital, which is your business capital. This capital to purchase fixed assets or others, and then you owe debts in bank loans or business activities, and finally your company becomes insolvent! According to the law, if the residual value of your company is not enough, then forget it, and you will not continue to be held accountable! This is limited liability. Don't you have 1.5 million left in your family? This money is still your legal asset, so as long as you do take out 500,000 yuan, there are no other illegal acts, and you are indeed mismanaged, your biggest loss is the 500,000!

Such a law will have certain drawbacks, but the benefits far outweigh the disadvantages, because it can encourage more people to engage in business, increase employment, and expand the economy. After all, you take 500,000 yuan out to do a good job.

Dahua can't do it, the law is simple and rude, and there are also family members. You are in debt for business, and you will pay for what you have at home! Not only are you infinitely responsible, but you are also jointly and severally, and the debt of the father and the son are repaid! The Son Pays the Father's Debt! Unalterable principle. If one person owes a debt, the family repays it. If you don't have enough money, people will make it up! Therefore, if you want to do business and make a lot of money, you must be mentally prepared to break up your wife and even sell yourself into slavery. Ordinary people, who dares to invest in business easily?

Not only the limited liability clause, but also a bankruptcy law. If you operate legally and are indeed profitable in the later stage, the courts in modern society will rule that you are bankrupt. During the bankruptcy period, you are in normal business, you cannot spend highly, you cannot invest, and every expenditure is reviewed by a court-appointed committee. Your company is basically regulated. The advantage is that you don't have to pay back the money you owe for the time being, and the creditor is not allowed to come to you. In fact, this is a disguised protection of businessmen.

For example, in a factory, you invested 100,000 yuan, bought tools, hired workers, owed materials on credit, and produced cotton coats. But this winter came late, and your coat was unsalable for a month, and your capital chain was broken! Your material dealer asked you to pay back, but you didn't, according to Dahua's law, the auction factory, the coat, and the silver are not enough to pay back, I'm sorry, sell your other family property, and you're finished! Speaking of which, it's just that this winter came later.

But the bankruptcy law will protect you in this way, your factory will be supervised, you will continue to produce coats, and creditors will not be allowed to come to your door. A month later, winter came, all your coats were sold, and your funds were returned. Paying off the debt, you, as well as your factories and workers, are saved. Then go to the court to release the bankruptcy protection, and then you can buy a car and a house, and spend high.

In modern society, Trump went bankrupt three times, relied on this bankruptcy law to protect him three times, and finally became a rich man and was elected president of the United States. In a commercially developed country like the United States, almost every big businessman will have the experience of bankruptcy, because who will not encounter some twists and turns in the long-term business behavior?

The big Chinese people can't withstand this twist and turn, a prodigal son will ruin your family, who dares to invest in business easily?

Therefore, Dahua is engaged in business, and they are basically business families, or they control their losses within the range they can bear, how much money they have, and how big a business they do.

Loans are beyond your means, and this is not okay.

No one is involved in the business world, everyone uses their own capital to do business, who will take a loan from the bank?

Also, Dahua society is a Confucian society, advocating diligence and thrift, and especially opposing borrowing! Borrowing money is a humiliating thing for most people. This kind of thinking even extends to the modern society where Qin Feng is located, in Qin Feng's country, after encountering a real estate golden twenty years, there are many people who are unwilling to owe money, borrow, and resolutely do not engage in mortgage to buy a house. In the end, the intestines of regret are all blue. This is still a continuation of this kind of thinking, and in Dahua this kind of thinking is at its peak, and everyone thinks that it is not a good thing to be in debt! Borrowing silver, unless it is used for emergency purposes, any other reason is not valid, it is the work of unscrupulous descendants!

Loans to play early consumption, that is equivalent to running naked in Dahua.

Investment, business, consumption, and bank loans in modern society are the three pillars. Dahua has none.

Therefore, UOB only grabbed a little bit of the pledge bank, and the interest rate was low, the annual interest rate was 20%, and the pledge warehouse was charged 4 or 50%. Ordinary people in Dahua have a poor family background, and they come to the bank to mortgage their houses and jewelry when they are in an emergency or encounter a major event, and they are temporarily short of silver, just like when Jia Jingmin went to the pledge warehouse.

This part of the loan is business for the pledge! The interest rate is also high! For UOB, this is a drop in the bucket.

So far, UOB has lent less than 100,000 taels. There is also no sign of growth in the future.

There is no silver deposit, Miss Jia is worried. There is a deposit bank, and the loan cannot be released, and Miss Jia is even more worried.

On this day, the bank welcomed a guest, who claimed to be the owner of an inn in Nanchang, named Dong Changsheng. Dong Changsheng came to take out a loan, and he wanted to apply for a loan of 50,000 taels. Xiucai in the loan department was excited, how many days have it been, and finally a big fish has come. Moment, warm hospitality. Several people served Dong Changsheng alone, and their attitude was very good.

borrowed money, and finally was able to raise his eyebrows and pretend to be an uncle. ok essay network

According to the procedure, the pre-loan review is carried out first, and the purpose of the loan is asked.

Dong Changsheng said that he planned to expand his business, buy another big piece of land, and build an inn. Chatting and chatting, Xiucai in the loan department noticed that something was not right.

Dong Changsheng's statement has loopholes, where do you need 50,000 taels to open a new inn? is the inn you are running now, and the market price is at most seventy or eighty thousand taels. This is still if you have a regular source of customers, the geographical location is good, and the land is also valuable. Newly opened, the location will definitely be more remote, a good place? Where is there a good location in a mature city? Unless you play demolition compensation, the 50,000 taels are far from enough.

After three questions and two questions, the loan department felt that Dong Changsheng might be an impulsive investment, and according to UOB regulations, he could not pass the internal pre-loan review. Because the bank also doesn't want your investment to fail, confiscate your collateral, and watch your family miserable. It's troublesome and troublesome.

However, the loan department was reluctant to give up this big customer, so as to continue to communicate here, someone went to report to President Jia.

President Jia was also a little undecided, so he first decided to delay the army, and asked Dong Changsheng to go back and write a plan for a new inn with the loan department, and make an appointment to discuss the details tomorrow.

When she got home in the evening, Miss Jia waited until Qin Feng came back, had dinner together, and told the matter as it was.

Qin Feng pondered for a long time and nodded slowly: "I understand!" Hehe! Okay, lend it to him! But he was asked to write down the plan clearly, how much land to buy, how many rooms to build, at least a rough idea. His current inn is used as a mortgage, according to the market price, first a 7% discount as the price, and then a 5% discount as collateral. How much can you borrow? ”

Jia Jingmin calculated that the inn was priced at 56,000 taels according to 80,000 taels of silver, and if it was mortgaged at a 50% discount, it could only be loaned 28,000 taels. Jia Jingmin said: "This is a lot worse than the silver he wants." “

"Yes, if he wants it, don't forget it! The contract must be signed, the loan cannot be misappropriated, and it is subject to bank inspection at any time. Also, add some other innocuous clauses to it, and the more detailed the clauses, the better! The whole one hundred and eighty of them. ”

"In this way, people will not see clearly, it is very time-consuming."

"I just want him to look troublesome! Liquidated damages, plus penalty interest are all written in it, add a sentence, in case of special circumstances, make an application, the bank can pardon. ”

"That's fine, give people one more chance." Jia Jingmin nodded: "You still control the amount of his funds, you really think about others, so why do you want to annoy him with the contract?" ”

Qin Feng smiled: "I hope that he will do business honestly and everything is easy to discuss." Dare to deliberately breach the contract, this clause is enough for him to drink a pot. I have a hunch that from tomorrow onwards, there will be more people coming to take out loans. It's all handled like this, the three-check system, just take a formality. Put the loan out first. However, it is necessary to control the total amount of silver and temporarily not exceed 70% of the fixed deposits. “

Jia Jingmin nodded, and said: "I also wonder if he will have other intentions, but he uses his own property mortgage to use his own money, and he will definitely care about the risk more than anyone else." We don't understand other industries, so there's really no need for strict scrutiny. As long as the collateral is strictly examined, and if you are optimistic about the collateral, you are not afraid of any tricks he will play. ”

"What President Jia said is extremely true, the three-check system, I myself have a lot of trouble! Come, let me see, why these days, President Jia has a trace of haggard on his face, ouch, it's really distressing! The baby comes and cuddles. ”

Bang, Miss Jia slammed the door angrily, walked two steps, and the corners of her mouth bent, such a big person is still called a baby. A bold idea suddenly appeared in my heart, next time do you want to stay and let him hug? Such a broad chest, such a powerful arm, lying in it, really like a baby? ...... Oops, shame on you!

The next day, Dong Changsheng really brought a plan, and this time the plan was much better than what he said yesterday. In order to prove that 50,000 taels of silver are needed, it is also specially noted that a large restaurant will be built next to the inn to integrate food and accommodation. In this way, it is indeed necessary to have 50,000 taels.

However, the bank believes that the value of the collateral is not enough, and then five percent after seven discounts, of course, is not enough. But Dong Changsheng's inn now has a fixed source of customers, reputation, and the bank's appraisal value has given some more premiums.

In the end, Dong Changsheng accepted the bank's suggestion, invested a little less, risked a little less, and lent 30,000 taels of silver.

Jinyi Wei School Field, Qin Feng, Gao Wenjin, and Feng Liansheng sat together. Feng Liansheng said: "The regiment commander, staff officer, has been investigated. As of five days ago, there were 28 banks that came to the bank to deposit a fixed deposit of more than 10,000 taels of silver. Twenty-one of them are all related to the king of Chu. Most of them were originally the property of the King of Chu and were hung in the name of the men. A small part of them are merchants who take refuge and are attached to the King of Chu. Together, these people deposited about 700,000 taels. “

Gao Wenjin said with a smile: "The king of Chu really has clear grievances, plus the palace has a million taels of silver. More than half of the bank's deposits belong to his family. It's a lot, and it's more than 100,000 taels a year! ”

More than 100,000 taels, according to modern currency, more than 100 million, even if you are the king of Chu, this is a huge amount of money.

"What else?" Qin Feng smiled: "You don't have any other feelings? ”

"My first reaction was that the King of Chu had other intentions. But when you calculate his interest, it's already very considerable! With the king of Chu's preference for silver, perhaps, this time he really only wants interest? Gao Wenjin analyzed.

Feng Liansheng said: "What the senior staff officer said is extremely true. Even if the king of Chu originally had an intention, for the sake of interest, most of them would change his original intention. On the contrary, it is our bank, how to get more interest is the key! ”

"Feng Liansheng is right! Then next, you go to the loan department, there are still a lot of loans in the past few days, check the people who have more than 10,000 taels of loans. Qin Feng smiled and said: "I found that Feng Liansheng is more useful than the bank's business model of three checks. ”

"Yes!" Feng Liansheng smiled and got up to say goodbye.