Brigade Headquarters of the 386th Brigade.

Regarding Yuan Chenming's matter, the political commissar paid special attention to it, and as soon as there was news, it came here.

The political commissar was quite puzzled after learning about it, and said with emotion: "This Yuan Chenming, do you really want to do business?" ”

Yes, he thought that Yuan Chenming had gone to his relatives, but according to the comrades below, Yuan Chenming did not find his relatives and decided to make some deals.

And it's not an ordinary business, it's a big deal to buy machines, recruit people, and engage in a lot of business.

Not to mention anything else, the money spent on the purchased machines is not a small amount.

Political Commissar Wang also felt a toothache when he looked at this number, and it was not that the brigade could not come up with this money. But the money of the Eighth Route Army had to be broken into two cents, and all of it had to be spent on the blade.

How could it be possible to lend out and engage in such a pure capital investment! Even if there are dividends, it will not work.

If nothing else, let's just say that winter is coming, and many troops do not have winter clothes yet. Wouldn't it be nice to have so much money to buy cotton cloth and make more winter clothes for the troops?

So, taking money is definitely not okay.

The political commissar pondered for a moment and gave an instruction: local comrades should be given convenience as appropriate.

It all depends on the legs to deliver the news, and it takes two or three days to go back and forth.

And Yuan Chenming in Anding County, it is impossible to stop his dream of making a fortune just to wait for a news.

In the past two days, he has done two things, looking for money and looking for machines.

The fastest way to find money is pawnshops and money banks.

He went to the pawnshop first, estimated the three things left on his body, and gave the pen to the instructor when he parted.

The watch is gold-plated, imitation Rolex, and it looks like a good thing. Yuan Chenming carried forward his eloquence, blew it all over the place, and made up a small story.

His rich uncle, bought it from an Englishman who came to Europe to pan for gold, and spent a thousand oceans. It is said that it took three months to create the craftsman, which definitely reflects the spirit of ingenuity.

And the watch is limited, there are only ten pieces in the world...... He used all the braggart methods of the 21st century.

The owner of the pawnshop was stunned...... Then the boss looked at him with an expressionless face: "Live as ten oceans, and die as fifteen." ”

Bullshit, Lao Tzu's story is worth these two dollars?

Yuan Chenming picked up the watch and deliberately sprayed him with spit, but after thinking about it, he still held back, and if he couldn't bear it, he would make a big plan.

He didn't take out the kerosene lighter and tried it, and went directly to the heaviest - Grandpa Mao.

Holding a piece of Grandpa Mao, he boasted that there was only one in the sky, and there was no second one on the ground. If you take this thing as a family heirloom and pass it on, you can make future generations cry out for the blessings of their ancestors.

The pawnshop owner nodded when he heard this, but when he finally gave the price, he raised two fingers.

"Twenty thousand oceans?" Yuan Chenming quoted a price that he himself thought was exaggerated.

"Phew, I think you're shameless." The pawnshop owner spat on the ground, his hands shaking, and he was really surprised by someone's cheekiness.

"Two hundred ready tickets, love should not be."

"Phew!"

Yuan Chenming spat on the ground fiercely in front of the boss as if he was demonstrating. Two hundred ready tickets, when it is called Hanako!

It's not right!

The shopkeeper watched him leave, looking like an old god. He has seen a lot of this kind of customer, and it is not that there is no way who will come to the pawnshop.

But when it comes to this, then you have to let them drink the soup too!

It's that watch, it's a really good thing, and it can be sold for at least a hundred oceans when it is recovered. When you meet a second stunned, you may be able to sell more.

The pawnshop owner will not feel pity, there are only a few pawnshops in the city, who will pay any price, maybe this customer will come back tomorrow.

The pawnshop didn't work, Yuan Chenming found a money bank again, which in modern terms is a bank.

Banks facilitate business activities, but they are also vampires that lie on the businessman's body. It is well known that umbrellas are borrowed on sunny days and collected on rainy days.

Anyway, the reputation is not very good.

However, there is one thing to say, if you need money, you can't borrow it, and the emergence of banks is finally one more option.

It's the bank's money, it's really hard to take.

When it comes to loans, people first ask, "Is there collateral?" Property at its best. ”

Yuan Chenming does not own real estate.

"Is anyone willing to vouch for you? It is necessary to have people with assets and strength. “

Sun Youfu of this Dingxiang Building should be regarded as having assets and strength.

Yuan Chenming tried to ask, and then the man said this: "Yes, we can only see him himself to give you a guarantee." How much money do you want to borrow, let's talk about it first, it is a monthly interest of two cents, and the interest is rolling. ”

"Huh?" ⊙_⊙

After listening, Yuan Chenming was confused. He heard it right, the interest rate of two cents per month, but also the interest rolling, usury!

That is to say, if he borrows 100 yuan, he will have to repay 12 yuan next month, and 144 yuan next month, and the principal and interest will be doubled in only four months.

It's a cannibal!

He didn't know at this time that the interest rate in the Republic of China was generally high.

Take the well-known Zhou Shuren buying a house back then.

In the year of the May Fourth Movement, Lu Xun bought a house in Beijing, and bought a courtyard house, with more than 20 houses and a total price of 3,500 yuan.

In addition to this house payment, Lu Xun also had to pay a commission of 173 oceans to the real estate agent, and when applying for the real estate certificate, he had to pay the government 180 oceans of deed tax and stamp duty, and in order to install tap water, he also had to pay an initial installation fee of 115 oceans to the water company.

Housing payment, commission, taxes, tap water initial installation fee, several expenses added together, almost 4,000 yuan.

At that time, Lu Xun did not have enough savings, and it was still not enough to sell the ancestral house in Shaoxing. So I had to go to the bank to borrow a short-term loan of 500 yuan for 3 months, with a monthly interest rate of "one cent and three percent".

One cent or three percent is 1.3%, and the adult interest rate is 15.6%. Now go to the bank to apply for a mortgage for 10 or 15 years, and the annual interest rate is less than 13%, and Lu Xun's loan for just 3 months has an annual interest rate of more than 15%, and the interest is really high.

It's not that the bank cheated Lu Xun and deliberately asked him if he wanted usury, in the entire Republic of China era, the interest rate of the bank was much higher than now.

Wu Chengxi, an economist of the Republic of China, said: "The interest rate on loans in China's banking sector is really beyond the reach of all countries in the world. ”

For example, in the state-owned banks of Tianjin, Shanghai and Beijing, the interest rate of ordinary loans for a period of one year is as low as 10%, and the interest rate is as high as 16%.

And it's not like you're willing to pay a lot of interest to lend money, you have to have a title deed, a shop, a fixed passbook and the like as collateral, and if you don't have a mortgage, you have to have a wealthy merchant or a well-known person as a guarantee.

Wuxun was working in the Ministry of Education at the time, and he could definitely find a guarantee, so he went to the bank to borrow money, but as an ordinary citizen, the bank didn't pay attention to it at all, and when he needed money urgently, he could only raise money through private loan sharks.

The money from private loan sharks is easy to get, but the interest rate is higher than that of the bank, and the monthly interest rate is generally as high as 8%, or the compound interest of "donkey rolling", and the adult interest rate is more than 150%.

For example, if you get a loan of 100,000 yuan in the first month, you have to repay 250,000 yuan in the lunar month, and if you don't pay it back then, you can get 630,000 yuan with interest at the end of the next year, which is extremely scary.

Back then, Yang Bailao borrowed Huang Shiren's money, but the more it dragged on, the more he couldn't afford to pay it back, and in the end, he had to use his daughter to repay the debt, which is the reason.

Lu Xun should feel fortunate - thanks to him being a civil servant, he has no money to buy a house and can go to the bank for a loan, otherwise he can only take the road of private usury, and force himself to become a real house slave for a loan that is not too much.

And the money bank that Yuan Chenming is looking for is actually not a serious place, and it has the same meaning as giving private loan sharks.

In addition, there is another factor in such a high interest, that is, the depreciation of the prepared ticket is too fast. This saw another round of depreciation, and if the interest rate was low, they would lose money.

For example: I borrowed 200 reserve tickets today and bought a chicken.

A month later, the money depreciated, and a chicken could be sold for 300 ready tickets.

Swap the chicken for a preparation ticket, and return 240 yuan to the bank, and you will earn 60.

Money is not worth much, what you get is worth it.

So after a turn, Yuan Chenming finally understood that it was so difficult to borrow money!

However, he did not stop his pace when he had illusions about his hometown.

Instead, I asked someone who could buy a cigarette machine, and hey, not to mention finding it.

Chinese people are generally willing to organize and hold together. Merchants have chambers of commerce, workers have trade unions, and those who carry bags and do coolies have gangs, even beggars, they have to find a beggar gang to participate.

The one who can find the machine is President Ma of the Anding County Chamber of Commerce, and when he heard that Yuan Chenming wanted to buy the machine, he was introduced by the shopkeeper Sun of Dingxiang Building, and he was very happy to be willing to do the matchmaking of this transaction.

In the box of Dingxiang Building, a few dishes and a pot of wine, the three of them talked about the deal.

"President Ma, you might as well reveal where this machine came from and who sold it, so that I can know that I have a bottom in my heart!" is related to his dream of making a fortune, and he is very attentive to all the details.

If he doesn't think it's reliable, he'd rather give up the deal and find another one.

President Ma put down his chopsticks and pondered for a while, and said with a smile: "Since Brother Yuan wants to know, I don't seem to be authentic anymore." ”

He seemed to see Yuan Chenming's worries, and he was afraid that this deal would not be done, so he decided to reveal one or two.

"Brother Yuan, do you know why I, the president, are so stable?"

Yuan Chenming shook his head, how did he know!

But Sun Youfu knew, Yin Yang said angrily: "Of course I hugged Taijun's thick legs!" What Taijun said, President Ma did it and served him wholeheartedly, and it is estimated that his father did not enjoy that treatment. ”

The flesh on President Ma's face twitched, but he was still smiling, "Shopkeeper Sun is right, Taijun is my reborn parent, and he should do his best." ”

"The person I want to introduce to you who sells machines is Tanaka Taijun from Shanxi. He is an excellent businessman who has done a lot of business, and his business is very extensive.

Coal mining, grain transportation, antique acquisition, machinery import, etc. The machines you want are nothing to him, just a small business. ”

Yuan Chenming lowered his head and groaned, as soon as he heard it, he felt that this Tanaka was not a good thing. Coal mining, which is China's coal mine, plunders China's resources.

Antique acquisition, he's not the kind of smuggling national treasures, is he? Anyway, robbing while the fire is burning is not a good thing.

After pondering for a moment, he asked, "President Ma, is there no one else except the Japanese machine?" ”

As soon as President Ma heard his words, he felt a little interesting. He has seen a lot of this kind of person, with an ostrich mentality, and thinks that buying Japanese things is an enemy.

That's a good dare, the machine also has Chinese!

"Brother Yuan, since I don't want to deal with the Japanese, I also have a big Chinese customer, so I buy a little more expensive from him, of course, just a little. What do you see? ”

Sun Youfu kept glancing at Yuan Chen, and the surnamed Ma defected to the Japanese, and the serious Chinese who looked up to him. The so-called big customers are estimated to be a non-existent thing.

But he didn't dare to make it clear here, the surname Ma was close to the Japanese, and if he really hated him, he would be in a lot of trouble.

Although Yuan Chenming is a newcomer to the shopping mall, judging from his years of experience in coaxing girls, the smiling old thing on the other side is lying.

The eyes of the surnamed Ma betrayed him.

However, he didn't mean to poke it, so he continued to talk along with this remark.

What is the price of the machine, when it can be shipped, and how much is the deposit.

After inquiring clearly, he ended the business meeting on the pretext of discussing with his partners.

Before leaving, President Ma did not forget to put pressure on him: "Brother Yuan, if you want me to tell me, you have to decide this matter quickly." The world is changing too fast, and the price of things is rising fast. Maybe in two days, these machines won't be at this price. ”

"Also, this is your fortune, others are bystanders, no matter how you speak, it will not hurt him, but it will be different for you."

Seeing the people leave, Sun Youfu spit at his back indignantly, "Hey, this grandson, he is still playing this game before leaving, it's really not a thing." ”

"Shopkeeper, I know he's burying nails, you and I will believe his nonsense!" Yuan Chenming turned his head and smiled.

"That's good."

Sun Youfu was really relieved when he heard this, although he was just an introducer, it was none of his business that Yuan Chenming was killed by the trap. But if that's the case, he will definitely not be happy in his heart.

While the two walked back, Sun Youfu persuaded him: "I think, let's find someone else." There is no truth in the mouth of the surnamed Ma, the goods must be Japanese, maybe I will have to pit you again. ”

"Shopkeeper, I know all this, I have to think about it when it's so big, and I can't draw conclusions for a while."

Yuan Chenming paused and thanked: "Thank you for the shopkeeper's help in the past two days, let the chef cook two more dishes, and I'll have a drink with you." ”

"No, the guests should be here in a while, and I have to take care of business, so I can't drink." Sun Youfu politely declined.

Yuan Chenming's thanks he received, mainly because he drank too badly, and he couldn't do this business when he was drunk.

"Okay, then I'll wait for the shopkeeper, and we'll drink it when the door closes at night."

Yuan Chenming sincerely wants to thank the shopkeeper, since he wants to thank him, then thank him, it's not a lie.

Leave a "next time", "look for a chance".