In mid-January, citizens of Q City were busy preparing New Year's goods. People gradually discovered that two billboards were erected near the door of the Baihua Small Commodity Market on the central road.

"Go to the market economy and start a business!"

"Entrest a business and get rich, start a business, start a company, and help you solve all problems." There is also the words "Dongxing Group" at the end of this line.

People see such advertisements very novel, which immediately attracts many people who don’t know the truth. Then they will be told by people nearby that the Dongxing Group above provides a small loan, and you can lend money to you for more than 1,000 yuan to less than 100,000 yuan, as long as you have technology, and you can have ideas.

Dongxing's micro-loan institution opened in a storefront next to the commodity market. Two men and one woman sat behind the table, and there was a small office behind them. From time to time, registered personnel were taken into the inner room. The specific situation was unclear. The door was closed tightly, as if others were afraid that others would hear it.

A merchant who came out of the commodity market walked into this storehouse of more than 20 square meters and saw a wall of various types of goods.

Although there were many people coming in, there were not many consultations. He walked to the counter and looked at the people around him. Everyone looked at each other in a hidden way. He walked to the table and asked the young woman: "Comrade, do you really get the loan for the 100,000 yuan?"

The girl smiled and said, "Hello sir, we have to see which industry you are in. If you have development prospects and financial guarantees, we will lend you it."

The man hesitated for a moment and looked at the people around him. He turned around and whispered: "I sell leather goods in the commodity market, such as belts, wallets, and occasionally leather shoes. Now I want to take out a loan to do leather shoes business. Can you lend me 30,000 yuan and lend me a turnaround?"

The girl wrote down a few words in her notebook with a pen and asked, "Would you like your surname?"

The man said, "Don't have your surname Zheng!"

Seeing that the man did not mean to register his full name, the girl said: "We can provide loans, corporate consultation, industrial and commercial agency and other businesses. If it is a loan, it depends on which type of enterprise you are doing, whether you open a store or start a factory, and the interest rate is different. The interest rate for factory establishment is the same as that of a bank, with a one-year interest rate of 11.5% and a two-year period of 14%. It is higher to run a store, with a one-year interest rate of 25% and a two-year period of 30%.

The man showed a hint of embarrassment and said, "The interest rate here is so high!"

The girl nodded and continued to say to the man: "We have regular procedures here, and there is a dedicated financial review. You need an investment plan. You must inform us clearly about what money you spend and we will lend money after that!"

The interest rates of banks in the 1980s were very high, so the people who had money had the bank. The rise in prices caused social tension and failed price regulation.

Industrial enterprises all store their money in banks, and large-scale triangular debts have appeared in society, and the phenomenon of not paying back the money is particularly prominent.

By 1988, the situation became increasingly serious. There was a shortage of money everywhere in society, but prices were still rising. The central bank had to introduce a policy of preserving value savings, with a three-year interest rate of 14%, plus a value-preserving subsidy interest rate of more than 14%, and the total interest rate was nearly 30%.

It can be imagined that depositing money into the bank can make money, and enterprises invest their funds into the bank to earn interest, which further aggravated the prevalence of triangular bonds. From the late 1980s to early 1990s, a large number of upstream enterprises were in trouble, aggravated the bankruptcy of more state-owned enterprises.

The man waved his hands repeatedly and said, "I don't run a business, I just want to open a store, and the 25% interest rate is too high!"

He shook his head and sighed and complained to the girl: "The interest rate is too high, and you just need to lend money. Do you have to worry about how I spend it?"

The girl smiled, but shook her head and said, "This is a regulation. We must ensure that the money is safe. If you deposit the money in the bank, we will recover the loan!"

The man was stunned and then looked embarrassed. He really had this idea. If the interest rate here is low, he could deposit the money in the bank for interest.

The girl rolled her eyes when she saw the man's expression, reached out to the side and asked, "You can consider it, please do not block the consultant behind you, thank you!"

The man was defeated, and he stood up helplessly and walked aside, but he still held his ears and listened to the next person's consultation.

"Girl, I'm just a leather shoemaker. Can I run a factory?" A middle-aged man in his forties sat down carefully and asked the girl.

The girl asked, "Is your surname?"

The middle-aged man said, "My name is Li Nancheng. Even if I repair shoes nearby, I can make shoes and want to open a store to sell shoes!"

Others joked: "This name is really bad, it's hard to succeed, why do you call it such a name!"

The man said embarrassedly: "The name given to you by your family is not easy to change."

The girl wrote down her name and asked curiously: "Do you want to sell shoes or make shoes?"

Li Nancheng said: "I made and sold shoes, aren't this together?"

The people around him laughed and said, "Are they asking you whether to open a store or run a factory."

Li Nancheng hurriedly said, "Make shoes, but I have to sell them too!"

The girl thought that this person was much more reliable, and she said enthusiastically: "Mr. Li, if you have the skills, I suggest you start a factory directly, which can be started in a hundred square meters. We can invest tens of thousands of yuan in machinery and equipment. We can help you with all these."

Li Nancheng thought that this girl was so kind of polite. She always made her uncomfortable with your words, but she felt respected in her heart.

He asked, "Is it a little more than 10,000 yuan?"

Li Nancheng hesitated for a moment and said to the girl: "I have been thinking about it for a long time. Borrowing 2,000 yuan is enough for the girl!"

The girl said politely: "Mr. Li, we have received many handicraftsmen like you. What you are worried about is nothing more than business problems. We have a plan. The company will organize you to carry out group development, bringing similar handicraftsmen like Mr. Li together, and having professional designers provide you with designs. As long as you process them on time, we can help you solve the problem of market sales. Everyone will develop together and operate with mutual assistance, which is more guaranteed!"

Then the girl asked, "What do you think?"

Li Nancheng has skills and is very good at it. The most important thing is that he doesn’t want to be poor all his life. After making a lot of determination, he nodded heavily and said to the girl: "Okay, I will borrow 10,000 yuan. Whether it is success or failure depends on this trick!"

The girl nodded and said, "Mr. Li, please go to the manager's office to discuss in detail. We have a complete plan. We will inform you in detail how to help your business establish and develop. We will also let us take the lead in dealing with industry and commerce, so you don't have to worry about it!"

Li Nancheng smiled repeatedly and said, "This girl is so nice, so polite, okay!"

The girl smiled and said, "This is what we should do. Please, please get the information."

She handed over a small brochure, then got up and knocked on the office door of the inner room. A woman opened the door. The girl said, "Manager Zhang, Mr. Li Nancheng wants to run a factory, but he wants to borrow 10,000 yuan."

Zhang Tianjiao nodded and said to Li Nancheng: "Please come in, Mr. Li, let's talk about the cooperation method in detail."

Seeing the woman in formal attire, Li Nancheng nodded and walked into the office, leaving behind people whispering in the room.

Zhang Tianjiao looked at the people in the room and said to the girl: "Xiao Zhang, please invite all these people outside. Don't have so many people in the room when discussing specific matters in the future!"

The girl had some kinship with Zhang Tianjiao, but she was also afraid of this cousin, so she nodded quickly and said, "Okay, Sister Zhang!"

When Zhang Tianjiao turned around and closed the door, Xiao Zhang became proud again, and put his waist on his back and ordered the two men to hum, "Xiao Wang Xiaohu, please invite everyone out. Don't have so many people in the future, don't you hear it!"

Xiao Wang smiled and looked at Xiao Hu, and said loudly: "Checze to death, Medham!"

"Hmph, next!" The girl sat down again and called the onlookers loudly, as if looking for the next prey.

Those who watched the fun in the room and those who had something to do in their hearts were invited out. Now it became quiet. Many people really wanted to consult and became more courageous. Anyway, there was a door blocking outsiders and didn’t know what they were talking about inside, so consulting and cooperation gradually increased.

Lin Johnson's micro-loan institution began in an inconspicuous place, slowly expanding, and finally became a force that cannot be underestimated and can influence one of its economy, the East Galaxy! (To be continued.)
Chapter completed!