Chapter 13 13.What to do after being reprimanded?

Q: Ask the loan sharks Who do you usually lend money to?How much is the interest?What should I do if I have bad debts? A Mr. who cannot be named answered the question You want to ask about financial management, right?Our business is actually not new, it is self-management, just like landlords collecting rent, that is, underground banks, and there are places like Shenzhen and Shanghai.We turn over the money of ordinary people and get rich together.There are people from all walks of life who borrow money from us, and those who borrow the most are generally engineering bosses.Especially in the past two years, during the financial crisis, the banks couldn't lend money, so what do you ask those people to do?People who have invested more than one million yuan, don't they continue to do it?The government does not give money, is it waiting to go bankrupt?So this is actually a way of self-help.Of course, everyone has profits, and we always want to pay dividends.

The amount of interest mainly depends on the risk.Like a bank, we also have a mortgage and a guarantor.For some risky ones, I will lend you 1 million, and you will give me another 200,000 to 300,000 later.For example, some factory owners mortgaged the factory to us.The guarantor is generally a powerful person. If you don't pay back the money at that time, I will sue you. I need someone who has a way.In fact, we are even stricter than bank approvals. We do this business by relying on contacts and friends, and everyone knows the basics.Otherwise, why should I lend you money?What should I do if someone on the street borrows money and walks away with oil on their feet?During the financial crisis, a car dealer was short of three or four million yuan in turnover, and the workers wanted wages!Can he not pay this money?Then I will lend it to him.Once, several of us made a joint venture and lent more than 10 million yuan to one person, a real estate developer.Of course we must have benefits.You (referring to the editor of the book who interviewed him) are reporters, and the boss doesn’t pay you, can you do it?You will not work for nothing.Some listed companies operate illegally, including those in banks that do financial management, all for profit.

Of course, if the risk is small, the profit is also small. For example, if you borrow 1 million and pay it back in one month, then give me 100,000 or 80,000.But generally speaking, the risk is still very high. Think about it, how much we pay compared to the profit!You are in contact with great rivers and mountains, we are people dancing on the wire rope, we are playing with the heartbeat. In fact, we also belong to Lei Feng in this society.We ultimately want a win-win and harmonious society. Sometimes banks also cooperate with us.For example, when a bank wants to lend a loan to someone, it says to that person: "Well, we don't have any money here, so you can get some money from my friend." Everyone knows that.We earn one hundred and eighty thousand, which is to buy some vegetables and some oil.

I have been in this business for five or six years. Of course, I have to write an IOU to borrow money, and I have also encountered people who borrowed money and ran away.That person cheated the bank of money, which is a small amount here, hundreds of thousands, and later he fled to Mauritius with several passports.We don't need to look for him, the bank is looking for him.If you find it, sue him.Those who borrow money and don't pay back, we also flatter and scold him.Swearing is not illegal, right?Generally speaking, it is kind and powerful.We are not philanthropists either. Those who borrow money and fail to repay it must be brought to justice.They are scammers.

Does anyone else have lower interest rates than mine?There are rules in this game, there is no need to say, everyone knows the market.This is the unspoken rule, whoever breaks it will inevitably fail.There are unspoken rules everywhere.