Chapter 28 Not enough money, friends come together

Generally, when we want to make a lot of money from investment, the most distressing and difficult problem to solve is: no investment cost! "Without capital, what should we invest in?" This is our usual helplessness. Some people even threatened: "As long as someone gives me as much money now, I can earn back as much in three years." When they said this, the tone was firm, the words were sonorous, and the confidence was full. To a kind of heroic tragedy.The fact is often frustrating. Under normal circumstances, no one invests us with a large sum of money. If there is a good thing to make a lot of money, investors enjoy it themselves. How can we let us take advantage of it for nothing!

Because we have no money, we can only be reduced to ordinary people, ordinary people, and it is difficult to make a career. People in Wenzhou are not ordinary people. They dare to invest even if they have no money, and they can start a business without money.In their concept, only a fool would use their own money to do business, and using other people's capital to make money for themselves is the kingly way, so there are many Wenzhou people who are empty-handed. A financial magazine published a way of raising money like Wenshang. Mr. Wen Shangcai's business was in trouble and he was in urgent need of capital turnover.But the family has no other money except for a few ancestral antiques, and this antique has been handed down for several generations. Mr. Cai cannot let it be lost in his own hands. sell it.In the end, Mr. Cai finally raised the capital he wanted with the help of these antiques, but he did not sell the antiques.

Here's the thing.Mr. Cai first asked his friends to take the antiques to the auction house for auction, and then he borrowed more than 2 million yuan from his friends.On the day of the auction, Mr. Cai went to the auction house in a suit and leather shoes with his wife and the borrowed more than two million yuan, and the two sat separately.The auction started, and the auctioneer quoted a low price of 1 million yuan, and then waited for the people below to respond. Seeing that no one answered, Mr. Cai raised his sign and said, "1.2 million!" The auctioneer just called out: "1.2 million once..."

Madam Cai shouted from the other side: "1.5 million..." The husband and wife sang together like this, and they shouted up the price of the antique in a serious manner. People began to fight for 2.5 million yuan. In case, I want it!" No one shouted a higher price, and Mr. Cai bought back his antiques.Since the owner of the antique is Mr. Cai, the 2.6 million auction price of the antique is naturally his own. The antique was auctioned by him, and of course it is still his family heirloom. Although on the surface nothing has changed: the 2.6 million was borrowed from a friend, and the owed money must be repaid.But after a careful calculation, you will find that the antiques in his hands are now worth 2.6 million.With this auction certificate, he mortgaged the antiques to the bank, obtained a large sum of money, and then used the funds to reinvest in his business.Later, her business grew, and the antiques were naturally redeemed.

In this case, although Mr. Cai got the money he needed after raising the price of the antique with the help of the auction house, it cannot be denied that the loan from a friend played a key role. Seeing this, ordinary people may be very surprised: what kind of relationship is this friend?He was willing to lend him more than two million yuan at once! Just ordinary friends.The friends around you and me who usually send a text message to greet you during the energy saving are all friends who can borrow money and be borrowed for Wenzhou people.While lamenting the strong human relationship among Wenzhou people, we couldn’t help but think a little bit carefully: Isn’t that fool who borrowed money afraid of his friends running away with the money?Because whether it is in real life or what we see in TV and movies, partners often run away with money. Why don't Wenzhou people worry about this?

This kind of thing rarely happens among Wenzhou people. There is no love without reason in the world, and there is no hate without reason.The reason why Wenzhou people dared to borrow money boldly and without scruples was not without reason, but also based on certain conditions. Credit is the basic condition for Wenzhou people to have a loan relationship, and Wenzhou people are the most creditworthy when borrowing money.According to the "China Urban Financial Ecological Environment Research Report" published by the Chinese Academy of Social Sciences in 2005, Wenzhou has been rated as the highest level 1 city for many years in a row in terms of the quality of financial assets of cities above the prefecture level in the country. In 2008, the statistics of Wenzhou Banking Regulatory Bureau also showed that the non-performing loan ratio of banks in Wenzhou was only 0.71%, making it the prefecture-level city with the best asset quality in the national banking industry, and this figure has already reached the level of advanced international banks such as Citigroup and HSBC. Level.

It is precisely because of this credit awareness of consciously repaying money that Wenzhou people will not worry about lack of capital as long as they find a good investment project at any time.In any place in the world, as long as Wenzhou people find their local Wenzhou Chamber of Commerce with their ID cards, even if they are penniless, they can still get financial support from everyone. Do Wenzhou people have an innate sense of credit in their hearts?This kind of credit concept of Wenzhou people was gradually established. In the early days of reform and opening up, most Wenzhou people were no different from people in other parts of the country, and everyone had no money.In addition to earning the first pot of gold in life through hard work, many Wenzhou bosses initially borrowed money from relatives and friends.Because everyone is familiar with each other, borrowing money does not require any collateral or IOUs. It all depends on personal credit. When the loan amount is small, generally no interest is charged.

After the money is borrowed, it is not as popular in the society: the one who owes the money is the uncle, and the one who borrows the money is the grandson.For Wenzhou people, whether they are borrowers or debtors, they will not have too much psychological pressure. It is only natural to pay back the debts, and there is no need to worry about the other party not paying back.Once someone borrows money and refuses to repay it, his viciousness will immediately spread in the circle and become the object of everyone's disdain, and it will be difficult to rely on everyone to survive from then on. ——And no matter how good a friend or relative he is, it will be difficult for him to gain a foothold in the circle, because he will never be forgiven by people.

If credit constitutes the fundamental condition for Wenzhou people to borrow from each other, then mutual benefit and mutual prosperity are the fundamental motivation for Wenzhou people to borrow from each other. When the borrowing amount is small, Wenzhou people do not ask for interest.But if the loan amount is relatively large, it is another matter. There is no unreasonable favor in the world. If the borrower is interested in the project invested by the borrower, he can participate in the investment in the form of shares.This way of borrowing money is actually financing. A Wen businessman surnamed Zhang bought houses in Shanghai, Hangzhou and other places. He didn't have much money in his hand, and he had other investments, and he already owed the bank more than one million yuan.Under such circumstances, when he heard that it would be more profitable to invest in an electro-dyeing factory, he immediately asked a friend to borrow money.The method of borrowing money is very simple. It is to write down how much money your friend put out, and then hand it over to Mr. Zhang. Mr. Zhang invests with his friend's money, and distributes dividends proportionally after making a profit.

This way of raising money by asking friends to invest in shares not only satisfies the individual's need for funds, but also benefits each other, so that everyone can make a fortune together. If the borrower has no interest in the project invested by the borrower, and the loan amount is relatively large, he will ask for interest.Even if the son borrows a large sum of money from his father, he still has to pay interest.Even if the borrower only borrowed from a friend for two hours, although the borrower may not say anything, the borrower will consciously give the interest of these two hours to the other party.

This is not to say that people in Wenzhou are indifferent to human relations, but it just reflects the commodity awareness of Wenzhou people.Because the process of capital turnover is actually a process of wealth generation.People in Wenzhou borrow money from their acquaintances by paying a certain amount of interest, which not only raises the capital they need, but also helps their friends make money with money, achieving a win-win situation.This is the lending rule of Wenzhou people. It is a spontaneous behavior, and no one feels embarrassed to take interest. This method of raising capital by borrowing has allowed the idle funds deposited in the private sector to be efficiently used.Since then, money, as a social resource, has been quickly circulated among Wenzhou people, forming a situation where all Wenzhou people get rich together. This is one of the factors for the rapid capital accumulation in Wenzhou. However, credit and motivation alone are not enough.If there is no friendship between people, the loan relationship is still impossible to realize, just as you and I refuse to lend money to a stranger casually. To some extent, Wenzhou people value friendship the most, and friendship is the starting point of all their interpersonal communication.Because of friendship, everyone can help each other; because of friendship, everyone has a reason to "use".You don't have any friendship with others, how can others lend you money?Even if they borrow money from the Wenzhou Chamber of Commerce that they know each other, there is the most basic foundation of friendship, at least everyone is still from the same hometown! Therefore, no matter how trustworthy Wenzhou people are to others, when they borrow money, they will never ask someone they know to borrow money.Once he opens his mouth to borrow money from others, he must have certain friendships, such as relatives, friends, and fellow villagers. These three major networks are the basic components of the Wenzhou people's interpersonal network.When Wenzhou people encounter difficulties, these three types of people are the first thing that come to mind, and they will help themselves unconditionally.This is the unique friendship of Wenzhou people. Under the guidance of "Wenzhou-style friendship", Wenzhou people formed business groups one after another, forming an indestructible force like an ant colony, setting off a wave of waves in the investment market across the country. For these three conditions, credit is the foundation, mutual benefit is the goal, and friendship is the guarantee for mutual prosperity.It is precisely because of the existence of these three things in the investment environment of Wenzhou people that Wenzhou people can go anywhere without worrying about finding start-up funds, and can smoothly borrow a large sum of money without an IOU.This is a place worthy of our envy and a place worthy of our study.