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In fact, if everything doesn't work, Mo Hui has another more radical solution, which is to borrow money from companies like Fu Guo. These micro-loan companies and p2p companies can provide unsecured credit loans. Although the interest rate is high, it is estimated that it will be around 10%, Mo Hui does not need to borrow much, and the 10% interest rate is still within a tolerable range.

If it really doesn't work, please contact Fu Guo to see if you can borrow money through their company. In this way, if you have an acquaintance in it, you can feel more at ease in many things.

Mo Hui turned around and wrote the code while thinking about it. As he thought about it, he couldn't help but turn to the ultrabook. Now that he is short of money, he should probably find out the performance and functions of the ultrabook as soon as possible. If it is indeed too extraordinary, then find a way to make money in it. If it is just extraordinary in the general sense, then maybe finding an opportunity to sell it is a better choice.

Regardless of the result, it needs to be verified step by step...

Mo Hui spent this day almost in a distracted state, and his heart was full of things, which led to his absence and his work efficiency declined greatly. Fortunately, the leader failed to discover such occasional situations.

Mo Hui got home early after get off work. He was very worried. If a thief came to his family, he would pass by him this adventure and he would return to a boring and single life again.

As soon as I entered the door, I saw that tables and chairs had been arranged in the square hall and the rich dishes were ready.

"Why did you come back so early today?" Fu Guo opened a can of beer and handed it to Wang Xiaoqiang, looking up and asking.

Fu Guo and Wang Xiaoqiang were already sitting there. Next to Fu Guo was a strange girl, and it was probably his new love.

"Come on, let's eat together." Fu Guo arranged to move the dishes and chopsticks on Mo Hui's chair, "Today, these are all Xiaoqin's craftsmanship. You must try it, the authentic Jiangzuo flavor."

"Old Mo, why didn't you work overtime today? It's not like your boss's style!" Wang Xiaoqiang gave the newly opened beer to Mo Hui. His focus on the issue has always been very personal.

"I don't want to work overtime today, so I ran back early." Mo Hui took the beer and took a sip, moistened his throat, and took a brief look at Fu Guo's new love.

The girl named Xiaoqin is tall and looks very plump. Although there are a few freckles on her face, it does not look ugly when she falls on her youthful face.

Xiaoqin was very enthusiastic and generous, and took the initiative to help Wang Xiaoguo open another can of beer. A few crisp brothers shouted out, which immediately made the atmosphere at the table much more lively.

After a few cans of beer, the topic was opened. Fu Guo took advantage of the alcohol and his passionate spirit came up again. "This month, our store alone completed 300,000 yuan. The total number of stores in Kyoto is estimated to exceed 20 million. As long as this momentum is maintained, we can exceed 500 million by the end of the year."

"Guake!" Mo replied and interrupted, "Do your 3 million mean lending or fundraising?"

"We are the financial management office. Xiaoqin, let me introduce our business to you, Brother Mo. I will check if you have memorized your sales verbal skills." Fu Guo did not rush to explain, but patted Xiaoqin on the shoulder and asked her to do it.

"Brother Mo!" Xiaoqin was not in a hurry to speak, and helped Mo Hui Bucai first. "Our company mainly divides into financial management and loan management. We belong to the financial management terminal, which is specifically responsible for selling financial products and concentrating idle funds."

"Are you doing fundraising?"

"It's almost the same, Brother Mo and Brother Wang, if you have spare money, you can buy our company's financial products. The annualized income is generally between 7% and 9%. The company is responsible for guarantees. If there is a loss, the company is responsible for guaranteeing the capital and guaranteeing the bottom line..." Xiaoqin took the opportunity to start selling financial products.

Mo Hui nodded slightly, "Guagua, your company also makes loans, right?"

"Yes, what? Do you want to borrow money?"

"Yes, my family is going to build a house recently, so my money may not be enough, so I need to turn over some things."

"How much are you going to borrow?"

"It's only 100,000 or 200,000 or only 100,000. What's your interest?"

"Lao Mo, if you really want to borrow money, I don't recommend that you borrow from our company. We are a financial management company. You'd better find a loan company, which has low interest."

"How to say it?"

"You see, the money we received from our financial management side promises a return of 7-9%. Can the money we lend is less than 10%?"

"That's right, what is your average loan interest rate?"

“It is said that the high can reach 30-40%.

"So high?" This number scared Mo Mao.

"Do you know the bridge loan?" Fu Guo took a sip of the dish and tapped the table with his fingers.

"What does it mean?" Not only did Mo Hui feel unfamiliar with this word, Wang Xiaoqiang didn't know it either.

"Do you know? Most companies have a debt ratio of more than 100%, or even higher, which means that if a company has a total assets of 1 billion yuan, its bank loans will be at least one billion yuan."

"Yeah!" Wang Xiaoqiang expressed his understanding and had been wandering around the business circle. He had heard of such things even if he didn't know much about it.

"But this bank loan has cycles, and the approval of new loans often has processes. You also know that bank affairs are not that easy to handle."

Everyone nodded. It is conceivable that if the bank loan is so easy to obtain, the sun will come out from the west.

"So there are bridge loans. For example, if a company's previous loan expires and the next loan has not been completed, then its capital chain is broken. Then there are short-term bridge loans that are specifically responsible for connecting the loan gap period. Because the cycle of this kind of loan is not long, the shortest one only takes one or two months, the interest rate is very high, and it can often reach an annualized 30-40%.

"All your funds do this kind of loan?"

"It's almost the same, otherwise how could the company support such high financial returns?"

"What are the average interest rates of the loan companies you mentioned?"

"Companies specializing in micro loans generally have subdivisions, with the usual interest rate around 10%. However, some companies will help you operate bank loans, and charge one to two points."

“Operate bank loans?”

"Yes, it is to operate bank loans. Generally, banks also have consumer loans, personal credit loans, etc., and the interest rate is generally around 4.5%, but most people cannot apply. So there are companies like this. They help you handle the banking process, ensure that the money comes to you, and then charge a little or two handling fee from the middle. After collecting the money, the people don't care. The next thing is the matter between you and the bank."

"Then isn't it good for the bank to make money by itself? Why do you have to make a difference like this and let others make a profit?" Wang Xiaoqiang asked strangely.

"You think about it, think about it carefully, think about it carefully!" Fu Guo was kept silent instead.

"You mean... the bank did it on purpose?" Mo Hui was a little uncertain.

"I don't know if it intentionally or not. I'm not the worm in other people's stomach. We're just the consequence theory. It doesn't depend on what you say, it depends on what you do." Fu Guo sipped a sip of wine, "Helping to do bank loans is an industry, helping to collect accounts is also an industry, helping to deal with non-performing assets is an industry, and these industries are all dependent on banks. Do you think, how many industries have the banks supported?"

Mo Hui nodded gently. Every industry has its own characteristics and is really not familiar with the financial circle. If Fu Guo hadn't talked about this today, it would have been difficult for him to understand. Fu Guo might not have a deep understanding. After all, he is just a financial planner standing on the street. Even if he is tall, he is just a head of the street.

But after hearing this, Mo replied a little more at ease. It seems that there should be a way to solve the problem of loans.
Chapter completed!