Rebirth of Hong Kong 1981

Loans are a must.

Using other people's money, money makes money, and the money you earn is kept in the bank for interest, and at the same time, it is in case of emergency.

Think about how many companies in later generations collapsed because of insufficient liquidity, broken capital chains, and banks unable to make loans.

Selling a house, selling a car, jumping off a building and swallowing drugs, it's just horrible.

You have food in your hands, don't panic.

For those businessmen who never borrow money from the bank, Yang Chen just wants to ask, what if you run out of food one day, what should you do?

As long as you have money, you only know how to put it in the bank to earn interest, and never take out a loan. Can the bank give you a loan when you have no money?

You have no money in your bank account, who knows if your company will go bankrupt in the next second, what if there is an accident?Who does the bank ask for the account?

Therefore, when a businessman has money in the bank, he needs a loan even more. If he borrows from a bank, he will only charge you a little interest at most, but you can make your working capital more sufficient.

Don't look at how much cash Li Jiacheng's later generations broke out, but he still has to borrow from the bank.

Use bank loans to expand your business empire, and the money you earn is in your hands for emergencies at any time.

There is no problem of having money or not having money in loans, but a complementary and interdependent relationship between banks and businessmen.

Chapter 109

When you are in trouble, you owe money to the bank. In order not to let you go bankrupt, the bank causes its own losses, and in order not to lose you, a big customer who can provide them with a stable income every month.

Under normal circumstances, the bank will continue to lend you emergency loans to help you tide over the difficulties.

For banks, money is not an issue, the issue is whether you can make money for them.

If you can't make money for them, you will be asked to pay you back every month.If no one lends money, will the banks survive?

Why are the banks still willing to lend to those people after so many first-time debtors owe a lot of money to the bank in later generations?

Is the bank stupid?

A monster that eats people but doesn't spit out bones, will make itself suffer?This is obviously impossible.

As long as a company does not go bankrupt, anyone has to return the money loaned out by the bank with interest.

The more you borrow, the more you pay back.

Until the end, I became a puppet of the bank, working for the bank, and every penny I earned had to repay the interest on the bank loan.

In this way, can you say whether the bank is losing money or making money?

Of course, Yang Chen would not be so stupid as to work for a bank, he would only use the bank to help him make money.

At the same time, use the relationship and channels of the bank to expand its own business.

This is the same as the later Li Jiacheng, where HSBC's business expanded, his company opened there, and there was a big bank behind it, so it was much more convenient to do things.

the other side

After hanging up the phone, Bao Yugang turned around and saw that his youngest daughter Bao Peihui was still standing there with a strange expression on her face, so she couldn't help asking, "Xiaohui, what are you thinking?"

Hearing the voice, Bao Peihui couldn't help but come to his senses, then ran to the dining table in the living room, took a newspaper, pointed to Yang Chen's photo and asked, "Dad, is it this person who talked to you on the phone just now? "

Seeing her daughter startled, Bao Yu was speechless, "Didn't you answer the phone just now? Why are you still asking me now?"

Hearing what Bao Yugang said, there was no need to say much about the answer, Bao Peihui couldn't help showing a remorseful and regretful expression.

"I just didn't think about it for a while."

Remorse and regret only lasted for a moment, and Bao Peihui returned to normal, and then she couldn't help asking Bao Yugang curiously: "Dad, what can he do with you?"

"It's nothing, why are you asking so many questions?"

Seeing that his little daughter in her twenties still had the temper of a child, Bao Yugang couldn't help shaking his head.

It is said that the charter king's life experience can be called a legend. He also has four daughters, but he has no son alone. This is a pity.

Seeing her father's refusal to speak, Bao Peihui sat on the sofa kicking her mouth full of displeasure.

Seeing this, Charter King felt even more troubled.

As the youngest daughter of the charter king, Bao Peihui is naturally the most favored. In addition, Bao Peihui and her husband are not interested in getting involved in the family business, so they have been staying in the United States and rarely return to Xiangjiang.

As a result, every time Bao Peihui came back to see Chartered Ship King, Bao Yugang would always put down his work and spend good time with his little daughter.

The daughter is upset, of course the father has to coax her.

Just as Bao Yu sat down next to his daughter, he explained: "The little guy wants his father to help him with something, but his father doesn't know exactly what it is, it's so mysterious."

Hearing what her father said, Bao Peihui smiled, and stretched out her hands to hug her father's arm.

"Dad, I read in the newspaper that he is the son-in-law of the Xue family and has lived in the Xue family for nearly ten years. Is this true?"

Seeing that his daughter was interested in these things, Bao Yugang nodded and said: "That kid is indeed your Uncle Xue's son-in-law, but he hasn't married your Uncle Xue's daughter yet.

For the time being, he can't be regarded as the son-in-law of the Xue family. I heard that the little guy has a heated fight with Arjun of your Uncle He's family recently, but I don't know who will end up with it. "

When he said this, Bao Yugang couldn't help laughing, Yang Chen was in two boats, the last headache must be the two old fellows He Gambling King and Father Xue.

For this kind of thing, as a member of the melon-eating crowd, Bao Yugang naturally enjoyed watching the excitement.

After all, for people of their generation, apart from company affairs, there are really not many headaches for them.

Children's affairs are sometimes more troublesome than company affairs.

This kind of good show, outsiders naturally should not miss it.

As he said that, Bao Yugang looked at the thoughtful daughter beside him, and asked curiously, "Why, has the boy's name already spread to the United States?"

"Not yet, but I think it will be soon."

As for Yang Chen, Bao Peihui had never met him before, the age difference between the two was many years, and they did not belong to the same social circle.

Another one is that after studying abroad, Bao Peihui seldom returned to Xiangjiang. Except for some people she knew before, those who were younger than her basically didn't know much or were not familiar with them.

The reason why she is interested in Yang Chen is because Xiangjiang newspapers have been reporting about Yang Chen these days.

In addition, Yang Chen's songs and piano pieces are indeed very good.

For Bao Peihui, who has never been very busy with her career, it is quite normal to go shopping and listen to music every day.

It was precisely because Yang Chen's song moved her that she became interested in Yang Chen and wanted to get to know him.