March 86th Brigade and Tourism Department.

The political commissar paid special attention to Yuan Chenming's affairs, and the news spread here as soon as there was a news.

After the political commissar got to know him, he was quite puzzled and sighed: "This Yuan Chenming really wants to do business?"

Yes, he thought that Yuan Chenming had gone to join his relatives, but according to the comrades below, Yuan Chenming did not find his relatives and decided to do some business.

And it’s not an ordinary transaction, it’s about buying machines, hiring people, and doing a big deal.

Not to mention anything else, just the few machines purchased will cost less than a small amount.

Political Commissar Wang also felt a toothache when he looked at the number. It was not that the brigade could not afford the money. But the Eighth Route Army's money had to be divided into two parts, and all of it was spent on the blade.

How could it be possible to lend it out and make such a pure investment of capital! It is not possible to have dividends.

Not to mention anything else, just say that winter is coming, and many troops have no winter clothes yet. Isn’t it good to have so much money to buy cotton fabrics?

So, it is definitely not possible to get money.

The political commissar pondered for a moment and gave an instruction: local comrades should provide convenience as appropriate.

It depends entirely on your legs to deliver messages, and it takes two or three days to go back and forth.

Yuan Chenming in Anding County could not have stopped his dream of getting rich just to wait for a news.

He has done two things in the past two days, looking for money and machines.

The fastest way to find money is pawn shops and money shops.

He went to the pawnshop first, and estimated the three remaining items on his body, and gave them to the instructor when he parted.

The watch is gilded and imitated by Rolex, and it looks like a good thing at first glance. Yuan Chenming promoted his eloquence and made up a short story.

His monumental uncle bought it from a British man who came to Europe to hunt for gold, and spent a thousand oceans. It is said that the old craftsman spent three months to create it, which definitely reflects the spirit of craftsmanship.

Moreover, the watch is limited, only ten yuan in the world... He used all the bragging methods in the 21st century.

He blew the pawnshop boss so much that he was stunned... Then the boss looked at him with a blank expression: "Life is like a ten yuan, and die is like a fifteen yuan."

Bullshit, is my story worth these two money?

Yuan Chenming picked up his watch and thoughtfully squirted his face, but after thinking about it, he still held it back. A small impatience would cause trouble.

He didn't take out the kerosene lighter and tried it, and went straight to the most important one - Grandpa Mao.

Holding a picture of Grandpa Mao, he yelled that there is only one picture in the sky, and there is no second picture on the ground. If you pass it on as a family heirloom, you can make your descendants shout for blessings from ancestors.

The pawnshop owner didn't stop nodding when he heard this, but when he finally gave the price, he raised two fingers.

"Twenty thousand oceans?" Yuan Chenming quoted a price that he thought was exaggerated.

"Bah, I think you are shameless." The pawnshop owner spat on the ground, his hands trembling, and was really surprised by someone's shamelessness.

"Two hundred tickets are prepared, don't you like it."

"Pooh!"

Yuan Chenming spitted phlegm on the ground in front of his boss like a demonstration. Two hundred tickets were prepared, and he thought it was a beggar!

I'm not good at it!

The shop owner watched him leave, looking like an old god. He had seen many such guests, so it was impossible for anyone to come to the pawnshop.

But when it comes to this, they have to let them drink the soup too!

That watch is really good, and it can be sold for at least 100 yuan when taken back. When you meet Erlangzi, you may be able to sell more.

The pawn shop owner would not feel a pity. There are only a few pawn shops in the city, and whoever will pay for any price is rated. Maybe the customer will come back tomorrow.

The pawn shop was not good, so Yuan Chenming found a money shop again. In modern terms, it was a bank.

Banks provide convenience for business activities, but they are also a vampire lying on the businessman. It is well known that borrowing umbrellas on sunny days and collecting umbrellas on rainy days.

Anyway, my reputation is not very good.

However, there is a lot of money, but I can't borrow it. The emergence of the bank finally has one more choice.

It's just the bank's money, it's really hard to get.

When it comes to loans, people first ask: "Is there any mortgage? Real estate is the best."

Yuan Chenming has no real estate.

"Will anyone be willing to guarantee you? You have to have assets and strength."

Sun Youfu from Dingxiang Building should be considered to have assets and strength.

Yuan Chenming tried to ask, and then the man said: "Yes, we can only guarantee you when we see him. How much does it cost to get a loan? Let's first agree on the profit of 20 cents a month interest rate, and the profit will be increased."

"Ah?" ⊙_⊙

After listening to it, Yuan Chenming looked confused. He heard it right, he had a profit of 2 cents a month, and he also had to make a profit, so he would lend money to usury!

In other words, if he borrows 100 yuan, he will have to pay back 12 months next month, and then 144 months next month, and double the principal and interest.

It's simply cannibalizing!

He was not sure at this time that the interest rates in the Republic of China were generally high.

Take the well-known person Zhou Shuren bought a house back then as an example.

During the May Fourth Movement, Lu Xun bought a house in Beijing and bought a courtyard house with three entrances and three houses, with more than 20 houses, with a total price of 3,500 yuan.

In addition to this house payment, Lu Xun also had to pay a commission of 173 yuan to the real estate agency, and when applying for a real estate certificate, he had to pay a deed and stamp duty of 180 yuan to the government. In addition, in order to install tap water, he had to pay an initial installation fee of 115 yuan to the tap water company.

House payment, commission, taxes, initial water installation fee, and a few expenses added to each, which is almost 4,000 yuan.

At that time, Lu Xun did not have enough savings, and it was still not enough to sell Shaoxing's ancestral home. So he had to go to the bank to borrow a short-term loan of 500 yuan for three months, with a monthly interest rate of "one minute and three cents".

One minute and three cents are 1.3%, and the annual interest is 15.6%. Now I go to a bank to apply for a mortgage for 10 years or 15 years, and the annual interest rate is less than 13%. However, Lu Xun's loan for just three months actually has an annual interest rate of more than 15%, and the interest rate is really high.

It was not because the bank cheated Lu Xun, but deliberately asked him to ask him for high interest alone. During the Republic of China era, the interest rate of banks was much higher than that now.

Wu Chengxi, an economist of the Republic of China, once said: "The high interest rate for lending in the Chinese banking industry is beyond the reach of countries around the world."

Take state-owned banks in Tianjin, Shanghai and Beijing as an example. For ordinary loans with a minimum interest rate of 10%, while those with a high interest rate of more than 16%.

And it’s not that you can borrow money by paying high interest rates. You also have to have land deeds, shops, regular passbooks and other items as collateral. If there is no collateral, you must have a guarantee from a wealthy businessman or a well-known person.

Wu Xun worked in the Ministry of Education at that time and could definitely find a guarantee, so he went to the bank to borrow money. If it were ordinary citizens, the bank ignored it at all. When he needed money urgently, he could only raise funds through private usury.

The money from private usury is easy to get, but the interest rate is higher than that of banks. The monthly interest rate is generally as high as 8%. It is still a compound interest rate of "donkey rolling", with an annual interest rate of more than 150%.

For example, if you get a loan of 100,000 yuan in the first lunar month, you have to pay back 250,000 yuan in the twelfth lunar month. If you don’t pay it back then, you can increase your capital and profit by the end of the next year to 630,000 yuan, which is extremely scary.

Back then, Yang Bai's labor loan to Huang Shiren's money was delayed, and he couldn't afford it. In the end, he had to use his daughter to pay off the debt. This is the reason.

Lu Xun should feel fortunate - he is a civil servant who has no money to buy a house and can go to a bank to get a loan, otherwise he can only smuggle the way of usury. For a loan that is not too much, he forced himself into a real house slave.

The money house Yuan Chenming found was actually not a serious place, and it means the same as the private loan shark.

In addition, there is another factor in such a high interest rate, which is that the preparatory ticket depreciates too quickly. It seems that it depreciates for another round, and if the interest rate is low, they will lose.

For example: I borrowed 200 tickets today and bought a chicken.

A month later, the money depreciated and a chicken could be sold for 300 yuan.

If you exchange the chicken for a preparatory ticket, and give the money bank 240 yuan, you will still earn 60 yuan.

Money is not valuable, but what you get is valuable.

So after walking around, Yuan Chenming finally understood that it was very difficult to borrow money!

However, he did not stop at the other end of his hometown.

Instead, I asked someone to find out who could buy a cigarette machine. Oh, let alone find it.

Chinese people are generally willing to organize and join groups. Merchants have chambers of commerce, workers have trade unions, and those who carry on the responsibility of working as coolies have to find a beggar gang to participate.

The one who can find machines is President Ma of Anding County Chamber of Commerce. When he heard that Yuan Chenming wanted to buy a machine or the introduction from Manager Sun of Dingxianglou, he was very happy to make up for this transaction.

Just in the private room of Dingxianglou, there were a few dishes and a pot of wine, and the three of them talked about the deal.

"President Ma, why not reveal where this machine came from and who sold it, so that I can know that I have a clear idea!" He was very concerned about all the details because of his dream of making money.

If he feels it is unreliable, he would rather give up this deal and find another one.

President Ma put down his chopsticks and thought for a while, and said with a smile: "Since Brother Yuan wants to know, I will hide it anymore, it seems that it is not authentic."

He seemed to see Yuan Chenming's concerns, and was afraid that the deal would not be completed, so he decided to reveal it.

"Brother Yuan, do you know why I, the president, are so stable?"

Yuan Chenming shook his head, how could he know!

But Sun Youfu knew and said sarcastically: "Of course I hugged Taijun's thick legs! President Ma did whatever Taijun said, and served him with all his heart and strength. I guess his father didn't enjoy that treatment."

President Ma slapped the flesh on his face, but he still smiled, "Shopkeeper Sun is right. Taijun is my reborn parent, and it is time to do his best."

"The person I want to introduce to you who sells machines is Tanaka Taijun from Shanxi. He is an excellent businessman with a large business and a wide business.

Coal mining, grain transportation, antique purchase, machine import and so on. The machines you want are nothing to him, it is just a small business.”

Yuan Chenming lowered his head and pondered. When he heard this, he felt that this field was not a good thing. Coal mines were mined, and the coal mines were plundered by China's resources.
To be continued...