v4 Chapter 423： The benefits of flying

"My phone can swipe money(!

423、The use of Dafei

"Sorry, Ms. Zhang, our bank does not accept real estate mortgages for the time being. Please contact other banks here." The loan manager in Hong Kong Zada Bank shook his head and said he could not help.

Zhang Zhimei gave up completely. She went to several banks this morning, but the other party gave her the same reply. Currently, she does not accept real estate mortgages.

The banks in Xiangjiang are not fools. Everyone knows that the house price in Xiangjiang is one day a day. Maybe the mortgaged house you received for 20 million today will be worth 10 million tomorrow, so no one dares to make a move.

They don't dare to accept even some luxury houses. Just kidding, if the subway in Xiangjiang is connected to the mainland of China, the house prices here will only drop even more.

The Taipingding area, once known as the No. 1 luxury residential area in Hong Kong, now has a house price that has been cut in the middle, even if it is sold at half price, no one will take it.

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

Are you kidding me to be a rich boy?

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

As soon as Zhang Zhimei was about to leave, she saw a woman next to her looking at the clerk of Jada Bank with a sullen face.

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

The man known as Manager Zhang shook his head and said, "I'm sorry, Ms. Wang. Judging from the evaluation given by the headquarters, it has been 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 asked with the same sympathy. After all, she and the other party used to appear frequently in Fatty Wang's movies.

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

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

"Mr. Wang really can't do anything about it? You know the reputation of our Guangshuo Electronics. The market of Xinguo and Bangziguo do not account for the bulk of our company. You can see that this is our company's development plan. We are here. The sub-prime loan is to expand the Chinese mainland market."

"Sorry, Mr. Shen, your company's current profitability cannot support your company's continued lending. Your current debt ratio is too high, and our bank has also taken a lot of risk." Manager Wang looked at the couple and shook his head.

"Isn't that Qiu Zhen? Why did the two of them come to take out the loan?" 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. This time he even came to take out a loan?

What the two of them didn't know was that it wasn't the artists that were swept away by the Xiangjiang crisis this time, and all exports were affected a lot.

Because the previous Xiangjiang relied on Xinguo, Bangziguo, and Neon country as the main export destinations, the merchants of Xiangjiang, who have always regarded themselves very highly, rarely opened up their markets to the Chinese mainland. In the shuffling of the Bangzi Kingdom, these businessmen are the "victims".

The market that originally belonged to them was occupied by American companies overnight, not to mention the rhythm of the current Huaxia, which is soaring, and the goods exported by Huaxia are also increasing.

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

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

Even 10% of this mere 10% is a cake that needs to be shared by all Xiangjiang businessmen. Small companies have no choice but to file for bankruptcy.

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

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

"How tall?" Wang Xiuxiu asked anxiously.

Manager Zhang thought about it for a while and sighed, "Their lowest annual interest rate is 3 cents and 6. It's fine if it's a small amount. I suggest that the two of you don't touch that one if you don't touch it."

"36% is so high?" Zhang Zhimei and Wang Xiuxiu said in surprise, frowning.

The bridge company on the Hong Kong side can be said to be a legal "anti-aircraft gun", and the law stipulates that private interest loans of no more than 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 for a year. This is not a joke.

If she defaults for more than a month, then the principal becomes 80 million plus 28 million for a total of 180 million. This is the "terror" of private bridge funds.

But now the two of them have no way out. Wang Xiuxiu wanted to give it a try. If she could revitalize the company, she secretly calculated that if it went well, she would be able to pay back more than 70 million yuan in about a year. settle.

However, Zhang Zhimei was entangled in her heart, and she is now at a stage where there is no drama to film. If you borrow 300 million, the annual interest will be 100 million, let alone what will she pay now?

If she doesn't borrow it, if the company and the brand side sue her, all her property will be frozen, and even if she wants to go to the mall for a show, she won't have a chance.

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

The reason why he is so "enthusiastic" is due to Dafei's "wisdom". Dafei knows that some people can't handle bank loans for various reasons, even the black household Dafei has the confidence to lend.

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

Therefore, more than 99% of the banks in Xiangjiang have cooperation with Dafei. After all, everyone wins together. The most important thing is that this thing is "serious business".

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

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