Chapter 21 Financial Inclusion

Song Xing picked up the teacup and tasted the newly bought tea today, the taste was really good, with a fragrance, and I felt that the cheap tea tasted better than the best flower teas in the later generations!

Zeng Aniu finished eating three bites of steamed buns, a little choked, picked up the teacup and drank it fiercely, and immediately "sprayed" it hot, looking a little embarrassed, and quickly raised his hand to wipe the water on the table.

"Brother Niu, it's not hot, is it?" Song Xing asked with concern, he really didn't expect Zeng Aniu to be able to eat a steamed bun in three bites, you know, even if this steamed bun is broken in half, three mouthfuls are enough to choke, this Zeng Aniu is a "foodie madman"!

"Ahem, it's okay, it's okay, I was in a hurry just now!" Zeng Aniu's face was slightly red, and he said embarrassedly, in fact, he also wanted to eat slowly, but he couldn't help it, the white-flour steamed buns were so delicious!

"Well, Brother Niu, I heard that you have taken a fancy to Widow Sun in the next village?" Song Xing drank tea and said nonchalantly.

"Who do you 、、、 、、、、 listen to? Don't spread rumors! Zeng Aniu stood up and said with a red face, this guy is in a hurry!

A normal person's face is red, and the good-looking one is still white and red, but his originally scorched face turned red into sauce purple, even close to the color of eggplant!

In Yangjiagou, marrying a widow is always a disgraceful thing, and it will be discussed by the villagers!

In fact, this is all feudal thinking harmful, in the later generations, in some extremely remote areas, it is already considered lucky to be able to marry a "second-hand" widow, and the whole family should be secretly happy!

But bride price money, both ancient and modern, is wanted!

"Brother Niu, don't be so excited, where did I know it, you don't need to ask, but I have a way to let you marry Widow Sun into the door!" Song Xing was anxious when he saw this buddy, and immediately said with a straight face.

"Can you help me? How can you help me? As soon as Zeng Aniu heard that Song Xing could help him, he immediately asked with small eyes, and grabbed Song Xing's wrist with both hands, obviously, he was relatively shy, and he was more eager for the widow to pass through the door.

"Brother Niu, I can help you pay for the bride price!" Song Xing felt the hot pain in his wrist, gritted his teeth and said hard.

"You're going to pay for me?"

"You let go first, otherwise I won't pay for it, and I'll go out and shout, so that the whole village will know!" Song Xing knew that this buddy's shortcomings were there, and as soon as he said this, Zeng Aniu realized that he had lost his temper, so he quickly let go, and stood beside Song Xing with his hands down, wanting to apologize, but he couldn't organize words all of a sudden.

"How much money do you have to marry a widow?" Song Xing knew that Zeng Aniu was unintentional, and he didn't care, although he basically knew Zeng Aniu's gap, but he had to ask.

"If the bride price is still 500 Wen, plus the estimated 800 Wen for greeting relatives and friends!" Zeng Aniu is a down-and-out honest man, although he is red-faced, he tells the truth.

"800 Wen, not much, I can lend it to you, but there is interest!"

"How much is the interest?"

"3 points!" This is the lowest interest rate on the market, and customers like Zeng Aniu, without land deeds and house deeds, cannot borrow money from money banks and pawnshops, even if they can borrow from a "Chinese person", the interest will exceed 5 points, and he can't bear it at all.

He has five acres of paddy land, but it has already been transferred to the grain chief's family, where does he still have a land deed, that's it, or a few brothers in order to take care of him, help to pass to the grain chief.

In order to marry a daughter-in-law and children, borrowing usury, this transaction is difficult to say whether it is cost-effective or not!

"Iβ€”How can I pay it back?" Zeng Aniu really has nothing, there is no land deed, the house is the old mother's, and the deed is in the name of the elder brother.

"If you repay it monthly, you don't need to mortgage anything, but you can borrow it for three years, and it's not much!" Song Xing immediately put forward the advantages of the product.

"Month back?" Zeng Aniu didn't understand the matter of interest, but he knew that the interest of 3 points was indeed much cheaper than other places, but it was still a hurdle this month.

"Brother Niu, if I'm not mistaken, Widow Sun can make tofu, you can sell tofu, although everyone's life is not good at the moment, walking the streets and alleys to other villages, you can still make a living, when the farm is slack, you can also help make tofu, not only is there no problem in repaying the interest on this loan, maybe, you can also have extra money!"

Song Xing even planned people's livelihoods in order to lend, what a worry!

"Hehe, Song Xiucai, you're right, hey, hey!" When Zeng Aniu heard this, he rubbed his hands excitedly, according to what Song Xing said, maybe he could make a fortune by marrying a daughter-in-law and becoming well-off.

"Of course, this tofu is the craft of the widow of the grandson, although it is no problem to marry you as a wife, and the family eats together, but after all, you can't eat other people's for nothing!" Song Xing didn't engage in pyramid schemes in later generations, and he was so talented.

"What then?"

Eating soft rice, that is a glorious profession that only exists in later generations, in the Ming Dynasty, it is obviously very despicable!

"You can borrow an extra 200 Wen, buy some soybeans to prepare, and grind tofu for Widow Sun when the time comes, so that Widow Sun is also happy!"

"That's really thank you Song Xiucai!"

Zeng Aniu was moved to tears rolling in his eyes, if there was a little wind, these tears would fall.

"Then、、、、 can I borrow 1,000 yuan?"

Sure enough, Zeng Aniu stumbled and wanted to borrow 1,000 Wen, and Song Xing felt a little proud in his heart.

As a sales clerk, completing the business is only the basic skill, to be able to put yourself in the shoes of the customer planning, improve the needs of customers, so that customers are satisfied, grateful, this is considered success, in this way to develop the financial business, in order to truly call "inclusive finance".

In later generations, most of them made up nonsense in order to complete the performance, holding that as long as the loan is released, the practitioners who get the achievement of everything will still be able to achieve the concept of "inclusiveness".

Of course, Song Xing also admitted that he was also that kind of person, and even, not as good as those people, he couldn't even complete the task assessment.

But now, he has decided to truly achieve "inclusive finance", benefit all people, be anxious about what customers are anxious about, think about what customers think, and essentially help customers solve problems!

"Well, although Brother Niu's conditions are a little bit、、、、 then whatever, they are all from the same village, I don't care so much, I'll give you the money now!"

The naked sales routine is obviously for him to complete the system task by himself, but it is difficult for him, but Zeng Aniu really thinks that he has done it for himself, so he is naturally even more grateful!

After speaking, Song Xing asked Coco to take out the consistent money from the clay pot in the corner of the wall and handed it to Zeng Aniu, and then, Coco ran to get a pen, ink, paper and inkstone!

Zeng Aniu never dreamed that after these three words, he would get the usual money, choked twice, and knelt down with "poof"!

"Song Xiucai is a good person, my ancestors are all grateful to Song Xiucai!" In feudal society, there is no greater way to express gratitude than this.

"Brother Niu, hurry up, aren't you breaking my life!" This is actually no different from bowing and thanking later generations, but Song Xing really couldn't bear it, so he quickly helped Ah Niu up, the eighth generation of ancestors, this seeping panic!

"Song Xiucai, I am very kind to you、、、、 as long as you need help in the future, I will definitely do my best!" This, this is Zeng Aniu's heartfelt gratitude, he really has nothing to do except this strength.