My Phone Can Swipe Money

"My mobile phone can swipe money ()"!

423、The Usefulness of Da Fei

"Sorry, Ms. Zhang, our bank does not accept real estate mortgage business at the moment. Please contact other banks here." The manager in charge of loans in Xiangjiang Jada Bank shook his head, expressing that he was helpless.

Zhang Zhimei gave up completely. She went to several banks this morning, but they all gave her the same reply, and they did not accept real estate mortgages for the time being.

The banks in Xiangjiang are not fools. Everyone knows that the house price in Xiangjiang is priced one day at a time. Maybe the mortgaged house you collected for 20 million today will be worth 10 million tomorrow, so no one dares to sell it.

Even if it is some luxury houses, they dare not accept them. Just jokingly, if the subway in Xiangjiang is connected to the mainland of China, the house prices here will only drop even more.

The Taipingding area, which was once known as the most luxurious residential area in Xiangjiang, has already cut the house price by half, and no one will take it even if it is sold at half price.

The wealthy businessmen in mainland China are not stupid. Now Xiangjiang is selling land wantonly, and there are places everywhere that can be used to build houses. Buy now?

Are you kidding me as a money boy?

"I'm sorry, Ms. Wang, we really can't help you with this. At present, your company's credit rating has been rated as "poor" by our headquarters. I'm really sorry."

Just as Zhang Zhimei was about to leave, she saw a woman next to her looking at the salesman of JD Bank with a look of embarrassment.

"I beg you, Manager Zhang. As long as our company can survive this period of time, we will repay the payment on time after our payment is collected." Wang Xiuxiu said anxiously.

The man called Manager Zhang shook his head and said, "I'm sorry, Ms. Wang, judging from the current evaluation given by the headquarters, it is difficult for your company to apply for a loan for a while."

Only then did Zhang Zhimei realize that the other party was really an acquaintance.

"Xiuxiu, are you here for a loan too?" Zhang Zhimei approached and asked with compassion, after all, she and the other party had often appeared in Fatty Wang's movies before.

"Ah, it's you, Zhizhi." Seeing her acquaintance, Wang Xiuxiu was a little embarrassed. She had faded out of the entertainment industry and started doing business in the early years, but a series of blows recently put her company in jeopardy.

Before they could speak, a couple next to them caught their attention.

"Is Mr. Wang really helpless? You know the reputation of Guangshuo Electronics,

The Xinguo market and Bangziguo do not account for the bulk of our company. You see, this is our company's development plan. Our loan this time is to expand the Chinese mainland market. "

"Sorry, Mr. Shen, the current profitability of your company is not enough to support your company to continue lending. Your current debt ratio is too high, and our bank has also taken a lot of risks." Manager Wang looked at the couple and shook his head.

"Isn't that Qiu Zhen? Why did the couple come to borrow money?" Wang Xiuxiu frowned and asked the couple not far away.

Zhang Zhimei was also muttering in her heart, you must know that Qiu Zhen's husband is the boss of an IT company, and even he came to take out the loan this time?

What the two of them didn't know was that the Hong Kong crisis did not affect the artistes, and all exports were greatly affected.

Because in the past, Xiangjiang relied on Xinguo, Bangzi Country, and Neon Country as the main export destinations. Xiangjiang businessmen who have always regarded themselves very highly rarely opened up their markets to the mainland of China. These businessmen are the "victims" of the reshuffle of Bangzi Country.

The market that originally belonged to them was occupied by American companies overnight, not to mention that China is soaring now, and the products exported by China are also increasing.

So it was too late when this group of Xiangjiang businessmen who were "watching the sky from a well" discovered something was wrong. Their capital chain had already begun to break, and many companies were already in jeopardy.

This year, more than 90% of the market that originally belonged to Xiangjiang merchants was taken by merchants from mainland China and American consortiums, leaving them with less than 10% of the market.

Even if it is only 10% of this area, all Xiangjiang businessmen need to share the cake. Small companies have no choice but to file for bankruptcy.

However, those Xiangjiang businessmen who have the foresight to invest in the mainland of China can be said to be making a lot of money at the moment. This time China's economy officially took off.

"Ms. Wang, Ms. Zhang, I personally suggest that you go to a private bridge company, but their interest rate is much higher than our bank." Manager Zhang looked at the two "old" artists in front of him and suggested.

"How high is it?" Wang Xiuxiu asked anxiously.

Manager Zhang thought for a while and sighed: "Their minimum annual interest rate is 3 cents 6. If it's a small amount, it's okay. If it's a large amount, I suggest that you don't touch it if you can."

"36% so high?" Zhang Zhimei and Wang Xiuxiu frowned in surprise.

The bridge company on the Xiangjiang side can be said to be a legal "aircraft gun". The law stipulates that private interest loans that do not exceed 36% are legal.

Although it doesn't look like much on the surface, taking Wang Xiuxiu, who has a turnover of 80 million, as an example, she has to pay 28 million in interest a year, which is no joke.

If she defaults for more than a month, then the principal will become 80 million plus 28 million for a total of 108 million. This is the "terror" of private bridge funds.

But now the two have no way out, Wang Xiuxiu wants to give it a go, if the company can be revitalized, she secretly calculated in her heart that if it goes well, she can get back more than 70 million yuan in about one year, and it is estimated that the next year after paying the interest settle.

However, Zhang Zhimei was entangled in her heart, she was already at the stage where she had nothing to film. If she borrowed 300 million, the annual interest would be 100 million, let alone what would she pay back now?

If she didn't borrow it, all her property would be frozen if the company and the brand sued. At that time, she would have no chance even if she wanted to go to the mall for a show.

Seeing the tangled expressions of the two women, Manager Zhang "enthusiastically" handed out a business card and introduced, "If you think about it, you two can call this bridge company."

The reason why he is so "enthusiastic" is due to Dafei's "wisdom". Dafei knows that some people cannot apply for bank loans due to various reasons, and even the black family Dafei has the confidence to lend money.

So he sent different business cards to the managers of different banks, as long as they were introduced by the other party, they could charge one month's interest on the bridge funds, which was already a "windfall".

Therefore, more than 99% of the banks in Xiangjiang have cooperated with Dafei. After all, it is a win-win situation for everyone. The most important thing is that this thing is a "serious business".

This is why Da Fei's little brothers can be found all over Xiangjiang, as long as you come to borrow Da Fei, you are not afraid that you will not return it.

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