"Sir Zhao, you are a busy person now, and it is not as easy as before to see you!"

As soon as he entered the door, Lao Guo laughed and ridiculed, if he just listened to it, it was indeed just ridicule, but Zhao Ming's face suddenly pulled down.

The inexplicable old Guo chuckled in his heart, and said bad things in his heart.

The atmosphere suddenly became dead, and only faint breathing could be heard in the surrounding environment.

Obviously he was still standing, but Lao Guo felt that he had knelt down.

Only then did he think of a sentence, this time is different from the past.

A wise person must have the practices of a wise person, and if he is complacent, he will easily die without a place to be buried.

The current Zhao Ming is no longer the Zhao Ming he once was, and it is not an exaggeration to say that he is a landlord now.

Boss Guo, who realized this, quickly changed his mentality, smart people have smart people's practices, if smart people still sell those little cleverness, it is looking for death.

Syllable! ~

"Sir Zhao, look at my mouth, it's useless and confused, you just let what I just said as a fart.

The villain is also a businessman, and he chatters a lot today. ”

Boss Guo's posture is very low, and he no longer has the previous posture of intersecting with peers, more like a humble villain.

Seeing this, Zhao Ming also knew that there were some things that could not be done too much, after all, the two were still in a cooperative relationship, and they could put it on their own shelf, but not too much.

"Huh! Boss Guo look at what you said, come and sit, drink tea and drink tea! ”

Zhao Ming said with a smile, but he didn't move his body, so he gestured casually.

Boss Guo didn't have any dissatisfaction in his heart, but sighed.

He has seen some small officials who have been promoted quickly in a short period of time, which of those people is not kicking their noses and faces, with an attitude every day?

Like Chief Zhao, his strength and status have reached this point, and it is already very face-saving to still be able to talk to him in a normal tone.

"Boss Guo, the main reason for calling you over this time is that I want to trouble you to do something."

"Oh? Sir Zhao, you can speak bluntly! Lao Guo didn't think it was strange, it was a good thing to be able to do things for Zhao Ming, which showed that he was still valuable.

"I don't know if you know about this bank?" Zhao Ming took a sip of tea and asked.

Lao Guo nodded, "Bank? Naturally, there is an understanding of this, and it is difficult for those of us who do business not to deal with people in the bank, but I don't know which part of Mr. Zhao you want to know? ”

"Bank loan business, you know this?" Zhao Ming threw out the question.

Hearing this, Boss Guo was stunned, he was indeed very familiar with the bank, and recently he had thrown a lot of money into bonds one after another, some of which he mortgaged to the bank for loans.

That's right, loans are really not uncommon these days, just like Lu Xun, Mr. Zhou once took out loans.

At that time, he bought a house in Beiping, and bought a courtyard with three courtyards, totaling 3,500 yuan.

Not only that, but it also needs to pay nearly 200 yuan to the real estate agent, 180 yuan to the government, and more than 100 yuan to install tap water.

Coupled with the mess, the expenses went almost 4,000 yuan, which is equivalent to 200,000 yuan in later generations.

It's just that Mr. Zhou didn't have that much money at that time, even if he bought the ancestral house in Shaoxing, it was not enough, so he borrowed a short-term loan of 500 yuan from the bank for three months, with a monthly interest rate of 'one cent and three percent'.

One cent and three percent is 1.3%, and the annual interest is 15.6%, and according to the calculation of later generations, for ten or fifteen years, the annual interest rate is about 13%.

Mr. Zhou has a short-term interest rate of more than 15.6% per annum for three months, which is not a low interest.

"Sir Zhao, do you want to borrow money from the bank? Is there a shortage of funds in the mine right now? It shouldn't be....."

As he spoke, Boss Guo felt that he might have talked too much, and there were some things that he could not ask, so he quickly shut up.

"But Sir Zhao, it's not very wise to borrow money from banks, even though a lot of hot money is pouring into several major coastal cities.

Banks are a little worried about savings, but there are too many of them, and they do not exclude loans.

However, the interest rate on this loan is really high.

Not only is the short-term high, but the long-term interest is higher. ”

"You calculate the interest for me, I don't know much about this part." Zhao Ming really doesn't understand the situation of the bank in these years, but what Lao Guo just said is true that the bank is worried about too much savings in these years.

This point will be placed in future generations, and the four major lines that will definitely be envied will go crazy.

Who hates too much bank savings? But that's really the way it was in those days.

The reason is also very simple: the rural economy was on the verge of bankruptcy in these years.

Landlords are reluctant to invest in land production, businessmen dealing in agricultural products are unwilling to continue to engage in agricultural product management, and local government finances cannot make ends meet.

Let the market appear a general panic phenomenon, which has led to the continuous influx of mainland capital into the coastal metropolises of Shanghai, Tianjin, and Beiping.

Especially in Greater Shanghai.

After all, the Bund area of Shanghai in these years is known as the existence of 'Oriental Wall Street'.

But a lot of money poured in, which was a good thing.

However, these are all influxes of foreign capital, and this situation is not conducive to the development of production in the hinterland and to the overall development of the national economy.

I have to say that the bankers in these years are still very conscientious, as the so-called nest is over, how can there be eggs?

In recent years, the banking community has formed a consensus on providing relief to the rural economy, but some people are doing this with sincerity, and some people are simply shouting slogans and doing nothing.

After listening to Lao Guo's talk about bank loan interest, Zhao Ming also understood the doorway.

First of all, if you want to take out a loan in a bank, ordinary people will definitely not be able to do it, and the bank will not be too lazy to bird you.

This is similar even if some banks are involved in helping farmers, either they have some connections, or only landlords can take out loans.

After all, a certain amount of collateral is required.

If it is not a loan related to agriculture to help farmers, ordinary people need a guarantee if they want to borrow from a bank.

Mr. Zhou was able to take out a loan because he was working at the Ministry of Education at the time, which of course was guaranteed.

This is not difficult for Zhao Ming, but Zhao Ming does not plan to find a guarantor.

This involves another form, the mortgage, which is very similar to the situation in later generations.

Either a sufficient amount of real estate as collateral, or a fixed asset, in short, there must be collateral to get a mortgage.

The interest rate of the loan varies, for example, for a one-year ordinary loan, the lowest is 10%, and the highest is more than 16%.

Of course, there are also private loan sharks, the monthly interest rate alone is as high as 8%, or the interest model of donkey rolling, which is converted to an adult interest rate of 150%.

For example, if you take out 10 loans in the first month of this year, you have to repay 250,000 yuan in the first month of the month, and you can't pay it back then, and it can rise to 630,000 yuan in the next year.

Yang Bailao's borrowing of Huang Shiren's money back then was actually this situation, ordinary people couldn't get access to bank loans in these years, and in the end they could only be forced to sell their sons and daughters.