766. Loans and Venture Capital (Part I)
Within two days, the bank branch in Luoyang City also released another news, that is, the bank released two new support programs. Anyone who establishes a production-oriented industry in Mengjin County can be supported by the bank, such as loans and venture capital. And the representative can be said to be a low-interest loan, and even some creative ones can get interest-free loans, which can make some people excited. It's amazing that someone can lend you money without interest. Is there such a good thing? A lot of people are going to the bank to inquire about this business, after all, it seems to be very profitable, so they want to see if they can borrow some money. Even, some businessmen who have difficulty in capital turnover want to take advantage of this opportunity to borrow an interest-free loan, which is of course better.
"The interest-free loan from our bank is no more than 50 yuan, so if you want to turn around, then don't come. This interest-free loan from our bank does not support you to use it for turnover. Cui Ying said.
"Shopkeeper Cui is our chief shopkeeper in Chang'an, so what she said is what our bank says, and the boss also means this." The shopkeeper of the Luoyang branch of the bank said.
Hearing that he could only borrow less than fifty yuan, this disappointed many guys a lot, because the amount of borrowing was too low, and it was only fifty yuan, which was not a large amount for those slightly larger shops. Therefore, fifty yuan is nothing, and the working capital is not enough. Therefore, there are many people who are disappointed a lot.
"So who can take this loan?" Someone immediately asked.
"This loan was made by the owner of our bank for businessmen who have set up production-oriented workshops in Mengjin County, and they can use the money to start production and then gradually grow and develop. Especially for those who want to do business, but suffer from not having the first pot of gold, we are specifically targeting these people, so we specially set up this non-collateralized, low-interest or even interest-free loan. Cui Ying said.
Jingwen smiled in the back. Apparently he came up with this loan. This loan is actually a small business loan set up by Jingwen in imitation of some places in later generations, specifically to provide the first pot of gold for those young entrepreneurs, so that they can successfully start a business and finally have the possibility of becoming a real big businessman.
In fact, how could Jingwen not know it in later generations? Isn't it true that many young people lack the so-called first pot of gold when starting a business? Many of them have a lot of good ideas, but they just don't have the first capital, so they can't really succeed in entrepreneurship. Countless people were stuck by this first pot of gold, and if they hadn't been stuck on the first pot of gold, then there would probably be a lot more businessmen all over the world. Maybe. Those who are stuck, don't know how many good ideas there are in their heads, and then they can burst out with infinite power and bring in countless money! But perhaps it was the problem of the first pot of gold that made countless good ideas completely disappear and could not appear in the world.
Therefore, it cannot be said that the microcredit policy in later generations is bad, but not many enterprises will be able to enjoy this kind of subsidy in later generations. And not many companies can rely on this policy to become big businessmen. That's why it doesn't seem like they have an advantage. And Jingwen came to this time and space, since he wants to support business, he naturally wants to let more people become businessmen. And increase the number of merchants so that they occupy a sufficient proportion of the population. This is enough for the businessman to continue to exert his influence.
Businessmen are not represented in the proportion of the population, which is one of the reasons why the government marginalizes businessmen. If in the future, there will be one-tenth of the world's merchants, and eighty percent of the people will get revenge and gain benefits through the merchants. Even if it is given to the government a dozen dares, it will definitely not dare to despise businessmen. Therefore, Jingwen is now supporting businessmen through low-interest loans and even interest-free loans. In this way, businessmen can rise faster, so that many people can become businessmen, and business is more developed.
"Our boss said that the interest on this low-interest loan is six cents per year, that is, six percent." Cui Ying said.
Countless people have a lot of red eyes, because the interest rate of six percent is an out-and-out ultra-low interest at this time. In this era, except for banks, the annual interest rate is 50% or 60%. And this 6 percent, although in later generations it was about the level of ordinary representatives, but in ancient times, it was the same as no interest, so that everyone envied those who could take out loans to start a business. Those who took out loans to start a business in Mengjin County were able to enjoy such treatment, and many people felt that they were born at the wrong time and did not enjoy this policy. If I had this plan back then, it might not have developed to the scale it is today. Even those big merchants are very envious and jealous.
"And for those who usually have a good reputation in the township, we can take out interest-free loans, that is, loans without interest. This is to encourage everyone to do more good deeds, so that good people will be rewarded. Therefore, the interest-free loan is completely interest-free, and the repayment time can be extended, but this can only be done if the neighbors have a good reputation, can be filial to their parents, brothers are harmonious, and so on. ”
Damn, this bank still has these treatments. It is simply surprising that I am usually filial to my parents and can still enjoy interest-free loans. And aren't these banks businessmen? Why did they all change careers and become philanthropists? Merchants certainly have philanthropists, but in ancient times, there were not many people who could do charity for a long time!
And Jingwen thinks that in fact, this usually has a good relationship in the neighborhood, and can be filial to his parents, and his brothers are harmonious, so there must be someone to help him. This kind of person will generally not lose money when he takes out a loan. Therefore, interest-free loans will not be too risky, anyway, borrowing is borrowing! After all, this kind of person with good moral character will definitely not let himself lose money. Anyway, it should be regarded as a reward for the kind people. Of course, at present, it is only limited to Mengjin County, and other counties have no share. After all, Jingwen's funds are not rich, and they are all taken from those ordinary businessmen. If people from all over the country come here to take loans like this, then I'm afraid Jingwen's money bag will be emptied.
"So what is venture capital?" Someone asked right away. (To be continued......)