Chapter 192 Credit Loans
Wu Jin was taken back to the main hall in despair, and the two sergeants were considerate and pulled Wu Jin to his original seat and sat down.
A maid stepped forward and served Wu Jinbu wine and food. Wu Jin's hands trembled, poured himself half a glass of wine, raised it tremblingly, and drank it all. Grab your chopsticks and gobble them up.
After overeating for a while, Wu Jincai eased his emotions and put down his chopsticks.
King Chu smiled: "He is a guest of my palace, and he has no qualifications, so he will die when he dies." In recent years, there have been many people who have not heard from them. It's not bad for him, now, you are a guest of my Chu Palace. I wonder if in this world, if you also disappear, who will be sad for you? Who else can't forget you? ”
"I have three wives, two children, and four concubines. Maybe a few singers and dancers I raised. This time, Wu Jin didn't dare to hesitate at all.
"Okay! Write a letter later, and the king will send someone to help you bring them all into the palace. By the way, as the head of the Wu family, will you be too aggrieved to be a staff member of my palace? What are you going to do about the Wu family? King Chu asked with a smile.
"Don't be wronged, Wu Jin will definitely recover the loss for the prince! In the affairs of the Wu family, Wu Jin has a steward available. I only ask the prince to allow him to enter and leave the palace and communicate with me. ”
"Okay! You see, your conditions, this king readily agreed! You also have to do things with all your heart. Just one chance! Cheng, you go back to be your head of the house, no, this king sent you to see Zhao Ji, I heard that you are very compatible. Even your concubine, he has been used! The King of Chu teased.
"Thank you, Lord Wang, Wu Jin knows." Wu Jin lowered his eyebrows and replied.
The Chu Wangfu paid off the loan for all the sales of his family and paid the loan interest for one year. Those merchants who were attached to the name of the Chu Wangfu saw that the Chu Wangfu ignored them. can only tearfully pay the interest on the bank loan.
Qin Feng originally intended to pardon interest on this part of the merchants, but was stopped by Gao Wenjin. After hearing the results of the interrogation, and learning the original intention of these merchants' loans, they no longer forgave them, and they should receive a lot of money.
The king of Chu is hateful, and these people who follow behind to make waves and try to fish in troubled waters are even more hateful!
The penalty interest was paid, all businesses resumed normal operation, and all shopkeepers and proprietors were released.
But Dong Changsheng, who ran the inn, was surprised to learn that he had been fired by the Chu Wangfu when he returned to the inn. Now, please go through the formalities with the steward sent by the Chu Palace.
The king of Chu decided that in the future, his own shop must be operated by the Chu king's own manpower. Therefore, Dong Changsheng is not the only shopkeeper who is dismissed today.
The subordinates around the king of Chu must also bring his wife and children to Nanchang. Even if an official of the court like Sun Changshi stays in the capital, the rest of the concubines or children have to be sent to Nanchang! Otherwise, the King of Chu will doubt your loyalty! If you want to be a naked official in the Chu Palace, it won't work now!
Ma Hong, the chief of the guard of the Chu Palace, was born in the Chu Palace, and was loyal to the Chu Palace. His wife was also given by the king of Chu.
Ma Hong still has a concubine outside, but it is still in Nanchang. In order to set a typical example, the king of Chu this time let Ma Hong's concubine choose a door to be responsible for the management of the recovered business. These businesses are already on the right track, as long as you don't toss, you can get the generous salary and rewards of the shopkeeper.
Ma Hong's concubine room chose Dong Changsheng's inn.
The subordinates around King Chu are currently only two or three people, and those who can't do it or don't want to stay can theoretically go.
But like Sun Changshi, you can't leave if you want to! The words of the King of Chu also came to the Ming place, Sun Changshi was helpless, he couldn't be in the palace of the king of Chu, and he had trouble with the king of Chu every day. I had to repair the book, arrange another pair of children and an outer room in Hangzhou, and rush to Nanchang as soon as possible.
Staff member Liang Ning has not become famous for a few years. Now the king of Chu seems to mean to solve the work of the family, or at the level of the shopkeeper. So he still really likes it, and he hurriedly repaired his hometown, so that his wife and children hurriedly came to Nanchang with a caravan. It's too late, and the good position may be occupied by someone else.
In this era, there was no labor law, and the Chu royal palace did not need to explain or compensate for the dismissal of Dong Changsheng.
When Dong Changsheng completed the corresponding procedures and walked out of the inn again, he and this inn came to an end completely, and there was no connection with it again. Bashan Academy
Dong Changsheng stood opposite the inn, looking at the inn that had accompanied him for more than ten years, and his heart was full of reluctance. Every grass and tree, every table and chair in the inn has the shadow of Dong Changsheng. By the way, there is still a glass of wine in the inn that I haven't finished.
The inn is still full of guests, and no one cares about Dong Changsheng on the other side. The guy at the inn occasionally raised his head, and his eyes swept over Dong Changsheng. The steward of the palace did not explain why the shopkeeper was changed, but only said that the new shopkeeper would give everyone a salary increase in the future. A salary increase can turn the parting reluctance of working together for many years into an ardent expectation for the future.
Dong Changsheng wandered around the streets of Nanchang, both relaxed and heavy. For so many years, it is the first time that I have walked on the street as an idler. But where do you go from here?
Life must go on, and wives and children must eat and drink. The workmanship is no longer suitable for himself, and the best way is to continue to run the inn. Where can I go and find a new inn?
Some time ago, I made a fake loan application for the palace, in order to make the address authentic. I've also seen some places, and there are indeed two locations that are very suitable for building new inns, who should I go to invest in? Convince him to buy land to repair the inn and then take care of it himself? It's hard! How nice would it be if you had the money to build a new inn for yourself?
With this thought, Dong Changsheng couldn't suppress it anymore, he faintly felt like he had grabbed something! Right! During the interrogation of the militia group, the bank loan officer said that the bank can lend to people who have no collateral or insufficient collateral, provided that the loan applicant is qualified and accepts the bank's supervision account.
Anyway, when I took out a fake loan, when I was checked by the bank, I was also familiar with the bank's loan department. If you're idle right now, you'll ask!
Dong Changsheng walked into the bank loan department again, and Zhang Xiucai, who was more familiar with him, greeted him and said with a smile: "Boss Dong, isn't your matter dealt with?" ”
"I'm here to ask, am I qualified to take a loan from the bank?"
"Oh?" Zhang Xiucai was stunned for a moment, and looked Dong Changsheng up and down: "What do you mean?" Didn't play enough last time? ”
"Zhang Xiucai misunderstood, I was fired by the Chu Palace, I have been running the inn all my life, and I will only do this. At the moment, others don't invite me, I want to open my own, some time ago for a loan, I really fancy two pieces of land, but there is no cash in my hand, so I came to ask the bank. Dong Changsheng explained carefully.
Zhang Xiucai was stunned, with a trace of embarrassment on his face: "I'm sorry, this matter has involved Boss Dong." Yes! Come, please be seated. Let's talk about it first, and I'll see if there's a loan that works for you. ”
Qin Feng was in the bank president's office and was talking about something with Jia Jingmin and Gao Wenjin.
Zeng Cai found Qin Feng a few days ago, and he had completely mastered the use and ratio of cement. This thing is made of steel as a pillar and masonry as a wall, which is stronger than a wooden structure. It is also fireproof, the construction is also fast, and the cost is similar to that of wood.
Zeng Youcai wanted to set up a construction team, according to Qin Feng, called a construction company. Construction companies need a lot of labor, plus supporting cement plants, steel bars. It can also solve part of the employment.
However, the most basic survival condition of a construction company is that there is a job!
This is only Qin Feng has resources in his hands, the villa under Yunshan, the training ground of the militia group, the dormitory area of the militia group, the dormitory area of the militia family, and the construction of a hundred public toilets on the streets of Nanchang. Since Qin Feng promised to support him, he handed over all these construction projects to Zeng Youcai to do.
He couldn't open the cement factory for a while, but he was wealthy, diligent, sweet-mouthed, and not afraid of hardship. Yunshan got along very well, and Yunshan promised to recruit hundreds of workers for him, expand cement production, and burn bricks and tiles for him. One is to help him solve the raw materials. The second is that he always asks Qin Feng for silver, but he doesn't see the output. Xu Qiming plans to start with cement and steel bars to open up a financial road for Yunshan.
Therefore, there was a need for start-up capital. The only way to do this is to find a bank loan. This is the credit loan that Qin Feng, Gao Wenjin, and Jia Jingmin are going to negotiate today.
First of all, the lender, the usual character, family members, and the industry they are engaged in are assessed. Then inspect the business project, and finally the account is subject to bank supervision, and the bank has made every effort to check every expenditure. This kind of loan can be made without collateral. The account itself counts as collateral.
For example, if you have a loan account, the corresponding account for his expenses is Yunshan, or the employee's salary. The income is also Qin Feng's payment for the construction. This kind of loan seems to be an unsecured line of credit, but it is actually very stable.
Several people are discussing the details, and once a loan like this is released, the scale and effect of the loan will immediately come up. The key is the lender, who must be down-to-earth and steady, and the militia can grasp it best, such as Zeng Youcai.
This kind of credit loan is a bit similar to the credit loan to state-owned enterprises and central enterprises in later generations. This is one of the bank's largest loan programs.