People in the Republic of China start by building a top power

Chapter 378

After Wu Si went out, Su Yun began to plan the specific matters of establishing a financial company.

The system gave him a thousand tons of gold before, so much gold was enough for him to act as a bank reserve.

And a few days ago, He Jingzhi gave him 300 million yuan of funds. Now that Su Yun has quite a lot of capital, it is a good time to enter the financial industry.

“If a new financial company is established, banks must be set up in some surrounding areas, and the interest rate of these banks cannot be too high.

Moreover, different loan interest rates should be implemented for different groups of people. ”

Su Yun thought about these things, and kept making plans on paper.

He set up a financial company this time, and established a bank to carry out lending, in addition to providing convenience for those people and allowing the company to officially set foot in the financial field, there is also an extremely important point!

That is Su Yun taking this opportunity to target Fatty Kong!

The Kong family and the Song family are the two major financial giants in China today. They control domestic finance. In the domestic financial field, the Kong and Song families have a solid foundation and status.

But this guy, Fatty Kong, is lending usury to the outside world. People borrowing money from him will not only have high interest rates, but will also be exploited by huge profits!

By now, Fatty Kong had already lost the hearts of the people.

But the banks in Jinling City were either controlled by Fatty Kong or Song Wen.

In other words, the entire financial field is currently respected by the Kong family and the Song family.

In fact, it is not difficult to grab customers from Fatty Kong, but it just requires a lot of money.

Because Fatty Kong’s actions are too disgusting, such as lending usury.

Going to Fatty Confucius’ bank to borrow is a serious loan shark. Everyone knows that, but why go to his bank to borrow?

In fact, there is no way to do this. There are a lot of domestic banks, divided into state-owned and private.

State-owned banks not only have lending business, but also because of economic development, interest rates are very low.

Nominally, anyone can borrow money from state-owned banks, but is that really the case?

The Kong and Song families are rich in their own pockets, and they control the financial sector, so the result is that ordinary people cannot borrow money from state-owned banks for thousands of years.

Unless you are capital and have status, you can borrow money from state-owned banks.

Ordinary people cannot borrow!

This matter is not only done by the Kong family, but also by the Song family. There is nothing to say about this kind of thing.of.

Ordinary people are in urgent need of money and cannot borrow from state-owned banks. Where can they borrow money?

Naturally, it is a private bank, and there are not a few private banks, among which the Kong family and the Song family are the most respected.

There are different differences between the two families, and it is precisely because of the difference that the Song family will be spared from suffering, while Fatty Kong is the target of being targeted.

Song Wen’s bank, as well as most of the private private banks, want to borrow, the procedures are more complicated.

If you want to borrow money, you not only need to fill in your own family information, but also need to know your job and your salary. After this information is passed, the bank will review it to determine whether you have the ability to repay before lending money to you.

This is the rule of the Song family and most private banks.

Fatty Kong’s private bank rules are very simple, as long as you fill in your family information, etc., you can lend money directly.

Does it sound convenient? Feeling easy to lend? What do you think Fatty Kong is a good person?

In fact, this is the real pit. Why didn’t Fatty Kong’s bank have so many requirements?

Because he is not afraid that you will not repay the money, in terms of his status and power, as long as you are in the country, you will not be able to run away.

You say you have no money? That’s simple, the family has land? Then seize the land!

No land? Have a wife and daughter? Send it to the brothel!

No wife and daughter? What about the son? If you have a son, you will send it to any mine for mining, or send it to factories and other places to work. There is no salary, and you will squeeze it hard!

Don’t even have a son? Do you think Fatty Kong can’t do anything about it? Then start with your relatives, in short, he will not lose money.

Some people may say that it is only right and proper to pay off debts.

Yes, it is only natural to pay off debts, but what about usury and rolling interest?

If you borrow 100 oceans and you need to pay back 300 oceans after two years, how do you say that?

This is the disgusting thing about Fatty Kong!

Even so, there are still many people who borrow usury loans, why?

The procedures in other banks are too complicated. When you need money urgently, can you take care of so much?

For example, if your son is ill and urgently needs five or six hundred oceans for treatment, you cannot come up with the money.

Would you watch your son die like this?

I believe many people will not! So in this case, you can only borrow usury!

At this time, Su Yun’s establishment of a financial company and a bank will undoubtedly have a huge impact on Fatty Kong in the financial field.

This is also related to the actions against Fatty Kong in the future to some extent.

That afternoon, Su Yun made a rough plan.

The bank under the name of Huayin Company only operates savings and loan business for the time being, and Su Yun has determined a very low loan interest rate.

If ordinary people come to borrow money, even if it is a million oceans, they only need to repay an additional 500 yuan in interest after one year. That is to say, these banks only charge 5/10,000 interest for loans to ordinary people. In other words, 0.0005% interest!

And no matter who borrows, the bank will not charge any handling fees and service fees, and there is no need to go through too many cumbersome processes.

But there is one point, before the bank borrows money, it must strictly investigate the borrower’s past experience and family background, etc., and also take time to investigate the person’s usual character.

If the borrower has a criminal record or serious bad behavior record within three generations, as well as those who have bad behavior and people around them have a poor reputation for them, they will not be allowed to lend!

In this regard, Su Yun’s regulations are somewhat similar to those of later generations of banks, mainly to prevent some unconscionable people from doing bad things after borrowing money.

Secondly, it is also to ensure that the loan borrowed can be repaid in a timely manner.

After all, no matter what time, people’s hearts are the most unpredictable. Although Su Yun borrows money from the outside based on the principle of convenience for the common people, he can’t condone some guys’ misbehavior.

These are all things that Su Yun has carefully considered.

Compared with those banks under Fatty Kong’s name, the interest rate of state-owned banks is much lower, only about 3%, while borrowing money from Fatty Kong’s bank, the interest will be as high as 30%!

Still lucrative!

However, the common people would rather go to Fatty Confucius to be exploited than to borrow money from state-owned banks, because the procedures there are too cumbersome, and the bank may not approve after a series of procedures are completed.

The reason why Su Yun stipulated this is that firstly, it is to make loans more convenient for ordinary people, and secondly, he tries his best to prevent loans from people with bad character, and it is also so that those money can fall into the hands of those who need it more.

For those small businessmen or capitalists, the loan interest set up by Su Yun is higher.

Different from ordinary people, those small businessmen and small capitals are not very rich, but they are still a little wealthy.

They can still afford a little interest.

As for whether he could attack Fatty Kong’s bank, Su Yun was very confident about this.

He knew that Fatty Kong’s usury bank could continue to make money until now, because of those who were in urgent need of money.

Huayin Bank’s rules remain the same, but Huayin Group has other companies that can address the issue.

Family members need money urgently? Not enough medical insurance?

It’s very simple, treat the disease first, bring the person to the hospital, and then treat the person well.

Don’t rush to pay, the company has a financial crisis? Fund chain disconnected?

Simple, as long as you are the legal person of the company, you can borrow with licenses and documents.

Need money urgently for something? Simple! You are not the owner of the company, nor are your family members sick. As long as you can find two people in the same village to testify for you and prove that you have a good reputation, you can give you some emergency loans.

After a quick investigation by the bank, make sure it is correct, and then give you the rest of the money.

Anyway, there is a way, as long as you break the fast loan of Fatty Kong’s bank, and rely on his influence in the hearts of the people, you can quickly defeat Fatty Konginfluence in the financial industry.

After these things are established, the next step is to publicize.

The establishment of a financial company is related to the subsequent actions against Fatty Kong.

The next day, Su Yun first called Qian Jiang and asked him to print enough leaflets and send people to various places nearby for publicity. Su Yun also informed him of the specific content on the phone.

Then he notified Zhao Lin and asked him to register a financial company.

Soon, Zhao Lin called: “Mr. Su, the financial company’s affairs are done, and the relevant procedures will be completed immediately.”

“understood.”

003 Su Yun hung up the phone and told Wu Sidao, “You have someone to notify the major newspapers in Jinling City, and let them do a good job of publicizing the financial company’s affairs, and I will send someone to you later.”

“I know Mr. Su!”

Wu Si heard the words and immediately went to work.

Then Su Yun asked the driver to prepare the car again. He was going to go to the Ministry of the Interior to see Li Wenfan.

Although Huayin has a strong appeal today, it is best to get official support in order to spread the news across the country.

At the Ministry of the Interior, Li Wenfan usually has contacts with himself, and the two of them have a good relationship. Su Yun came to him because he wanted him to help him borrow from the official side.

After arriving at the Ministry of the Interior, Su Yun went straight to Li Wenfan’s office.

On the way, several people from the Ministry of the Interior saw Su Yun coming and did not stop him. They had long known that the relationship between President Su and the minister was not ordinary, and he had a strong influence outside.

Today’s Su Yun is not just the businessman he used to be, even someone from the Ministry of the Interior should be a little more polite when he sees him.

After meeting Li Wenfan, Su Yun explained his purpose: “Minister Li, I have recently been thinking of starting a financial company to boost the banking industry, which requires a lot of publicity.

I came to disturb this time, I hope you can help me and let the above publicize it for me. ”

When Li Wenfan heard that Su Yun was going to set up a financial company, he immediately expressed his support. He knew what Su Yun would do next.

“Ziwen, feel free to do this. I will arrange for someone to help you publicize it, and then I will report to the commissioner, and try to spread the news to the whole country as soon as possible!”

Su Yun hurriedly thanked: “Then I will trouble Minister Li. Ziwen came abruptly, causing trouble for the Minister again.”

Li Wenfan immediately pretended to be displeased: “Ziwen! You and I will have a relationship by saying this!”

He and Su Yun have known each other for a short period of time. Although the friendship between the two is not that close, they can still be regarded as friends.

Su Yun smiled bitterly: “What Minister Li said is that Ziwen has seen the outside world.”

The two chatted again, and Su Yun left the Ministry of the Interior.

After returning to the company, Su Yun immediately sent people to prepare for the opening of various banks.

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