Rebirth of the God-level Xueba

Repayment of principal and payment of interest are the basic principles of credit. But in China, the word "long-term interest-free" broke it.

First of all, no one can tell how long it will last. Many collectives have borrowed interest-free loans since the 1950s and 1960s to pay wages to members, or simply use it as government investment to build infrastructure. But no one is actively doing the repayment. Many production team debts in the 1960s and 1970s are owed, and even the lender cannot be found, so that banks can only describe these loans as precipitation.

There are also some bank outlets that work poorly, just like what Duan Hang said, they simply do not write the repayment time, so it becomes an indefinite loan, which is equivalent to making it clear that there is no need to repay.

In the era when administrative agencies could greatly influence the banking system, long-term interest-free loans were misappropriated by various special funds like appropriations. Notices had to be issued repeatedly, requiring all localities to rectify the use of long-term interest-free loans.

The bank's loan collection policy is even more helpless to obey the reality, stipulating that "in areas with good harvests, in addition to recovering the loans due in the year, they should recover as much as possible of the old loans; Loans, areas with light disasters and reduced production, can take less as appropriate, and strive to achieve a balance of income and release for the year..."

If such a banking policy is placed in a capitalist country, the bank will of course go bankrupt and die, and the capitalists will grin.

However, even if the bank has a conscience, it is reserved for the collective. After the reform and opening up, long-term interest-free loans can be loaned to individuals, but ordinary people can't help worrying.

There is no bankruptcy law in China. In 1982, no matter how bad the state-owned enterprises were, the debts they owed would always be on the account. The same is true for personal loans. A natural person who cannot go bankrupt owes money to the bank. Father If you can't pay it back, your son will naturally pay it back, and if your son can't pay it back, your grandson will naturally pay it back.

It doesn't sound good to think of such a thing as a pile of debts after death.

Moreover, although people at this time are simple, they also have simple worries.

Although it is said to be a long-term interest-free loan, what should I do if the policy has changed?

Yang Rui, who came from 30 years later, can say with a smile, "The policy will not change, it will not change in thirty years, and it will not change in fifty years." However, before the Southern Tour speech, those who dared to say that said something useful People, none of them.

Simple Chinese people must consider that one day, long-term interest-free loans will become their own curse, and someone will open a study class to force you to pay back the money, regardless of how long the long-term is...

further,

Some people still think, will money become more valuable in the future?

Although any student of the 21st century can laugh at this point of view: China has inflation into a ball, and is it capable of deflation? I have never seen a basketball that deflated and can be played as a baseball. In the news, it is only heard that the RMB has appreciated externally, but who dares to say that the RMB can appreciate internally? Let him try to sell foreign exchange!

However, the general concept of the 21st century, placed in the 1980s, is an uncertain future that economists dare not declare.

These days, the Soviet Union is still pretending to be able to live for a long time. Europe is still putting on a cute selfie face for the "free world" to survive forever, and it has completely endured the trade gap with the United States. Although the third world feels It is painful to make chess pieces, but since American workers and European workers are still sweating in factories, everyone has nothing to complain about.

China, which is still far from being called the world's factory, is facing unlimited possibilities.

For ordinary people, taking a loan from a bank, even if there is no interest for a long time, is still a matter of courage and risk.

Duan Hang is very embarrassed, Yang Rui has helped so much, and he has only a loan. But money is the last word, and he can only comfort him: "I'll talk to Jiefang Factory, and I think it will be enough to add two or three thousand deposits. The money is loaned from the bank, and if you can afford it, you can pay it back. Don't worry, there is no one to press for debts. Besides, aren't we short of money now? At your level, if you write a few more articles, you will be able to pay them back sooner or later."

Yang Rui laughed: "You're so sure, I can't make money selling books."

"Ah... no, of course not, I'm afraid you think the loan is not good."

"The loan is a bit troublesome. I don't know how long it will take to get it approved?" Yang Rui knows the efficiency of the bank.

Duan Hang didn't understand, so he said: "You just need to get a loan and sign the documents, and they will give you the cash. I'll find someone, and it will take two days at most."

"Taking cash...it's really fast." Yang Rui really felt that it was fast. In the 1980s, he experienced too many inefficient things, but he didn't expect that bank loans would become a high-efficiency thing instead.

Duan Hang looked at Yang Rui seriously for a long time, and said, "Don't think that I am selling loans. You can borrow if you want, and don't borrow if you don't want to. Don't force it. There is always a way to print books."

"Is it legal?" Yang Rui suddenly asked. He didn't ask this question because he had a strong sense of abiding by the law. As a man who aspires to be a biological company, such things as abiding by the law are simply floating clouds. However, too obvious illegal incidents cannot be done, and it is not cost-effective.

Duan Hang was stopped by Yang Rui's question, thought for a while, and said: "It is definitely not illegal to violate the law. People in the credit union have a lot of loans, and they can't wait to force them to be sent to the employees. However, you are still a student. If you don't do it If it's fake, it's probably not a good loan..."

After hesitating for a moment, Duan Hang raised his head and said, "Use my name for the loan. After the money is in hand, I will transfer it to you. Just say that my wife is going to start a business. It is no problem to borrow a few thousand yuan."

"That won't work, it's still in my name. I want to borrow more."

"Too much loan? How much?"

"If there is really no interest, or if the interest is low, you can borrow as much as you can." Yang Rui is not worried at all about not being able to repay the loan. To put it more closely, in two years time, China's inflation will be pierced to the sky. The official data of 25% a year means that banknotes will depreciate by more than 25% a year. If you can buy some in-demand goods, you can earn money. A profit of three to five times is the same as playing.

To put it farther away, even if this kind of long-term interest-free loan cannot be used for 30 years, it will be the same as free payment if it is used for more than ten years. The monthly salary of workers in 1992 has risen to more than 200 yuan. times, not to mention the power of large sums of money after operation.

Even if he grabs a pig's head to come here and exchange all the banknotes for stamps, in the 1990s, he can still make a fortune.

If you just want to live your life comfortably, you can buy stamps with interest-free loans in the 1980s, sell stamps to buy stocks in the 90s, and sell stocks to buy houses in the 2000s. It is safe to be a billionaire.

Duan Hang didn't expect Yang Rui to be so aggressive, and said cautiously: "Although you can pay it back anytime, it doesn't mean you can't pay it back. If you squander it, it will be troublesome."

"What to squander, invest, invest."

"Invest in what?"

"Too many..." Yang Rui looked past Duan Hang and saw the brick house not far away, and suddenly lost his strength.

Talking about investment in this environment is like going to an interview in shorts, which is indeed a bit unconvincing.

Duan Hang touched the handle of the motorcycle and thought about it: "The credit union in Xi County has a loan with a monthly balance of at least tens of thousands. If you want it, I think it will be no problem to get 10,000 to 20,000. It will be difficult to get more."

"If you borrow a loan of 10,000 to 20,000 yuan, is it in your name or in my name?"

"Let's use my name. You are a student, so it's not easy to get a loan." Duan Hang repeated. In fact, he also felt pressured. The monthly salary of the captain of the criminal police does not exceed 60 yuan plus subsidies, which is already a high salary in the county. Based on this calculation, he can only accumulate 6,000 yuan without eating or drinking for ten years. He had accumulated twelve thousand, not to mention he had to eat and drink.

If it weren't for the article Yang Rui gave him, and the five hundred yuan he didn't care about, if they were just relatives, Duan Hang would not have helped this kind of favor.

Yang Rui hesitated for a moment, then said: "Then I will loan you in your name, and I will write you an IOU."

Duan Hang said a few words politely, but agreed. Whether it is 10,000 or 20,000, it is not a small number for him, and he still has a wife.

...

For the next two days, Yang Rui was a little worried about gains and losses.

Fortunately, Duan Hang didn't keep him waiting for long. As a powerful figure in the Public Security Bureau, Duan Hang had many ways in the county. On the third day, he got an interest-free loan of 12,500 yuan. It was cash.

Yang Rui from later generations can only envy this kind of loan method. However, what really surprised him was the elder cousin, a woman who could not be considered familiar, who gave Yang Rui full trust, and she acquiesced to her husband's decision after just meeting her once.

Yang Rui was really surprised by his decision whether to lend the family's ten-year income to others or to borrow money from his own loan.

The rhetoric he had prepared was completely useless.

I will only use this money for half a year. After half a year, I will buy it all as stamps and leave it to my cousin. Yang Rui secretly made this decision.

After receiving an interest-free loan of 12,500 yuan, Yang Rui finally felt like a second-generation official.

These days, if there is an official father, even if he is only the secretary of the township party committee, he can't use his own money to do business.

Yang Rui only gave Jiefang Printing Factory a deposit of 2,500 yuan to make the second volume. After they had printed all of them, he personally escorted them to the provincial capital and prepared to make a decision based on market reactions.

...you are reading this, if any!

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