ps. Present today's update, by the way, pull a vote for the starting point 515 fan festival, everyone has 8 votes, and the vote will also give the starting point coin, kneel and beg everyone to support and appreciate!

In fact, if all else fails, Mo Hui has a more radical method, which is to borrow money from companies like Fu Guo, these small loan companies and P2P companies can provide unsecured credit loans, although the interest rate is high, it is estimated to be about 10%, but Mo Hui itself does not need to borrow much, and the 10% interest is still within the tolerable range. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

If you really can't do it, you can find Fu Guo and see if you can lend money through their company, so that with acquaintances in it, many things can be relatively reassured.

Mo Hui turned his mind while writing code, thinking about it and thinking about it, he couldn't help but turn to the ultrabook, now that he is short of money, maybe he should find out the performance and functions of the ultrabook as soon as possible, if it is indeed too extraordinary, then find a way to make money on it, if it is just supernormal in the general sense, then maybe it is a better choice to find an opportunity to sell it.

Whatever the result, it needs to be verified step by step......

Mo Hui spent the day almost in a state of distraction, and his heart was full of things, which led to his absence from the state, and his work efficiency dropped significantly, but fortunately, the leader failed to find out about this occasional situation.

Mo Hui got off work early and rushed home, he was very worried, in case there was a thief or something in the house, this adventure would pass him by, and he would return to a boring and single life again.

As soon as I entered the door, I saw that the tables and chairs had been set up in the square hall, and the sumptuous dishes had been prepared.

"Why did you come back so early today?" Fu Guo opened a can of beer and handed it to Wang Xiaoqiang, looked up and asked.

Fu Guo and Wang Xiaoqiang were already seated, and next to Fu Guo was a strange girl, who was probably his new love.

"Come on, let's eat together." Fu Guo Zhang Luo moved the chair and chopsticks to Mo Hui, "Today this is all Xiaoqin's craftsmanship, you must taste it, the authentic Jiangzuo flavor." ”

"Lao Mo, why didn't you work overtime today? It's not like your boss's style! Wang Xiaoqiang gave Mo Hui the newly opened beer, and his focus has always been very personal.

"I didn't want to work overtime today, so I ran back early." Mo Hui took the beer and took a sip, moistened his throat, and briefly looked at Fu Guo's new love by the way.

This girl named Xiaoqin is tall and looks very plump, although there are a few freckles on her face, but it does not look ugly when it falls on her youthful face.

Xiaoqin was very enthusiastic and generous, and took the initiative to help Wang Xiaoguo open another can of beer, and a few crisp brothers shouted out, which immediately made the atmosphere on the wine table much more lively.

After a few cans of beer, the topic was opened, and Fu Guo used the strength of the wine to come up again. "This month, our store alone has completed 300w, and the total number of stores in Kyoto is estimated to exceed 20 million, as long as this momentum continues, we will be able to pass 500 million by the end of the year."

"Grasshopper!" Mo Hui interjected, "Do you mean lending or raising funds for your 3 million?" ”

"We are on the financial management side, Xiaoqin, introduce our business to Brother Mo, I will see if you are familiar with your sales skills by the way." Fu Guo didn't rush to explain, but patted Xiaoqin's shoulder and let her go.

"Brother Mo!" Xiaoqin didn't speak in a hurry, and first helped Mo Hui Bucai, "Our company is mainly divided into the financial management end and the loan side, and we belong to the financial management end, which is responsible for selling wealth management products and gathering idle funds." ”

"You're in the business of fundraising?"

"Almost, Brother Mo, Brother Wang, if you have spare money, you can buy our company's wealth management products, the annualized income is generally between 7% and 9%, the company is responsible for guaranteeing, if there is a loss, the company is responsible for protecting the capital......" Xiaoqin began to promote financial products.

Mo Hui nodded slightly, "Grasshopper, your company also lends loans, right?" ”

"That's right, what? Do you want to borrow money? ”

"Yes, my family is going to build a house recently, and my money may not be enough, so I need to turn it around."

"How much are you going to borrow?"

"At most, it's only one or two hundred thousand, or maybe it's only tens of thousands, what is your interest?"

"Lao Mo, if you really want to borrow money, I don't recommend that you borrow it in our company, we are a wealth management company, you better find that kind of loan company, their interest rate is low."

"How?"

"You see, the promised return on the money we receive from the wealth management end is 7-9%, so can the money lent out be less than 10%?"

"That's right, so what is your general loan interest rate?"

"It is said that the high can reach 30-40%."

"So tall?" This number startled Mo Hui.

"Do you know about bridge loans?" Fu Guo took a bite of food and tapped his fingers on the table.

"What do you mean?" Not only is Mo Hui very unfamiliar with this word, but Wang Xiaoqiang also doesn't know.

"You know, right? The debt ratio of most enterprises is above 100%, or even higher, which means that if the total assets of an enterprise are 1 billion, its bank loans are at least more than 1 billion. ”

"Hmm!" Wang Xiaoqiang said that he understands and has been wandering around the business circle, even if he doesn't know much about this kind of thing, he has heard of it.

"But this bank loan has a cycle, and the approval of new loans is often processed, and you know that the bank's business is not so easy."

Everyone nodded, this matter can be imagined, if the bank loan is so easy to get, the sun will come out of the west.

"So there is a bridge loan, for example, if the last loan of an enterprise expires, and the next loan has not been completed, then his capital chain will not be broken, and then there is this kind of short-term, bridge loan that is specifically responsible for bridging the gap period of the loan. Because the cycle of this kind of loan is not long, the short one only takes one day, and the long one only takes one or two months, so the interest is very high, often reaching 30-40% annualized. ”

"All your funds are for this kind of loan?"

"Almost, otherwise how could the company afford such a high income on the financial end."

"Then what is the interest rate of the loan company you are talking about?"

"Companies that specialize in small loans generally have subdivisions, and the usual interest rate is around 10%, but some companies, they help you operate bank loans, charging one or two points."

"Operate bank loans?"

"Yes, it is to operate bank loans, and generally banks also have consumer loans, personal credit loans, etc., and the interest rate is generally around 4.5%, but ordinary people can't apply for it. So there's this kind of company that helps you with the banking process, makes sure the money goes to you, and then charges a commission or two in the middle. After collecting the money, people don't care, and the rest is between you and the bank. ”

"Isn't it good for the bank to make money directly on its own? Why do you have to turn around like this and let others earn a handful? Wang Xiaoqiang asked strangely.

"You think, think about it, think about it!" Fu Guo sold it instead.

"You mean...... Banks deliberately? Mo Hui was a little unsure.

"I don't know if it's intentional or not, I'm not a roundworm in someone's stomach, we're consequential, don't look at what you say, just what you do." Fu Guo took a sip of wine, "Helping to make bank loans is an industry, helping to collect debts is also an industry, helping to deal with non-performing assets is still an industry, these industries are all dependent on the bank, you think, how many industries the bank supports." ”

Mo Hui nodded lightly, every industry has its characteristics, and he is really unfamiliar with the financial circle, if it weren't for Fu Guo talking about this today, I'm afraid it would be difficult for him to understand. And Fu Guo probably doesn't know much about it, after all, he is just a financial planner standing on the street, even if he is a head, he is just the head of the street.

But after hearing this, Mo Hui is a little more relieved, it seems that there should be a way to solve the loan matter.

[It's about to be 515, I hope to continue to hit the 515 red envelope list, and the red envelope rain will be able to give back to readers and promotional works on May 15. A piece is also love, and it must be better! 】