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Chapter 4 Borrowing Usurious Loans to Collect Treasury Bills

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Santang is a town in the southeast of Nanhui County and a famous gambling city in Nanhui. Because the next door is Nanting County, the coal mines in Nanting County are rich in resources, and there are many small coal mines that are mined in private and over-mined. The coal bosses and miners are rich and idle at hand. They face dark coal mines all day long, and they will want to do something exciting. It is normal to go to Santang to gamble for two times. And with gambling, the development of usury was usury. In that era, when all Nanhui people mentioned pornographic gambling and usury, all the first reactions of Nanhui people were Santang.

Zhang Lei borrowed two bicycles from the factory and asked for leave from the leader. He and Zhou Ming came to Santang on bicycles. Because Santang was very messy at this time, Su Han was surprisingly beautiful. Based on the principle that more things are worse than less things, Zhou Ming did not bring her here.

Zhang Lei's brother-in-law is the factory leader. Zhang Lei followed his brother-in-law to do things here and helped the factory borrow money loans. Therefore, the person who is familiar with the road took Zhou Ming to find a place. It was a four-story building that didn't sound very good, but at this time, it was already a great thing. You must know that the town government building is not as good as this!

After parking the car, Zhang Lei asked with some concern: "Zhou Ming, do you really need to borrow usury? This usury is difficult to borrow and repay, especially the interest rate is so high that even if the factory wants to borrow it, you must be mentally prepared."

"We must borrow!" Zhou Ming said firmly, "As for repaying, Dazhuang, have you forgotten the treasury bonds we exchanged in the bank just now? Are we still afraid that we can't pay back the interest?"

"I understand, but I think it's a little too risky to borrow usury to do this business." Zhang Lei said, he knew exactly what Zhou Ming was talking about, and he just couldn't overcome this hurdle in his heart.

"Dazhuang, take it easy. If you want to do business, how can you do it without any adventurous spirit? This business must be in and out quickly, but as long as we do this business, we will be the boss in the future!" Zhou Ming patted Zhang Lei's shoulder and said that Zhou Ming, who has memory for more than 20 years, is very clear that the market is the best thing to enter as soon as possible. If you miss the best opportunity, you can only pick up the remaining leftovers of others, especially in the financial field. Imagine if everyone in the factory understands that treasury bonds can be exchanged for money, where will they still collect? Of course, more importantly, Zhou Ming is worried that his father's condition is deteriorating, and he must make as much money as possible in the shortest time.

With this belief, Zhou Ming and Zhang Lei walked into the house. The house was different from what Zhou Ming imagined. The house was obviously designed, with the same layout as the bank, and there were counters and other chairs, but they didn't have those iron railings. They looked very formal and far less messy than other places to borrow money. This made Zhou Ming feel confident about the money he wanted to borrow today.

"This is the place of Master Gou. Master Gou is the dominant leader of Nanhui and one of the richest families in our Nanhui County." Zhang Lei introduced to Zhou Ming.

Zhou Ming nodded and came to the counter. A young man inside looked up at Zhou Ming and Zhang Lei and asked, "Where did you come from? How much do you want to borrow?"

"Hello brother, we came from Factory 760 and want to borrow 10,000 yuan." Zhou Ming said.

This number made the young man look up. He first came up and looked at Zhou Ming and Zhang Lei a few times, then looked at the idiot and said, "You two have no problem with your brain? You have to borrow 10,000 yuan when you open your mouth. What is this place? Don't mess around here, go away."

Zhou Ming winked at Zhang Lei, and Zhang Lei said, "Brother, my brother-in-law is the director of the 760 Factory. He has a friendship with Master Gou. Otherwise, you call Master Gou and he knows me."

The guy thought for a while, then went upstairs to call a middle-aged man, and Zhou Ming knew that this was Master Dog.

When Dog Ye went downstairs to see Zhang Lei, he nodded and said, "I remember you. You often come here to do business with Director Fang, but you have to borrow 10,000 yuan, which is still too much."

At this time, Zhou Ming took a step forward and said, "Master Gou, it doesn't matter whether the amount of money is more important. What's important is that with his brother-in-law here, we will definitely be able to pay back the money you have."

"I can pay it back? It sounds nice. Do you think it's one or two dollars? You can pay it back if you can pay it back?" said Dog Master, "But that's it. It seems that you are really short of money. If you really want to borrow this money, can you accept it if you have a penny of profit that day?"

"Yes." Zhou Ming answered without hesitation.

"I'm talking about a profit of one cent a day. If you borrow ten thousand yuan a day, you will be 100 yuan in interest. The interest per day is equal to your salary for one month in the factory, and twelve days is equal to your salary for one year." Dog Master reminded.

Zhang Lei took a breath of air conditioning, but Zhou Ming was still calm: "I know."

Zhou Ming's confidence surprised Gou Ye a little because he said this on purpose. He originally wanted to use high interest rates to make fun of the two children, but he didn't expect that this guy actually agreed. Is he an idiot? Or does he have no clear concept of interest? I don't know how terrible the profit is? But these are not within the scope of Gou Ye's consideration. He only knows that since someone is willing to agree to such a high interest rate, it would be unreasonable for him not to agree.

So the dog said, "Since you are so sincere, I will promise to lend you 10,000 yuan, one cent of the profit a day. If you can't pay back the money, don't blame me for being rude."

"No problem, I promise to pay it back within a week!" Zhou Ming said.

...

After getting the money from Gou Ye, Zhou Ming and Zhang Lei rode their bikes back to the factory. When they reached the intersection, they saw the anxious figures of Su Han and others there.

Seeing Zhou Ming and Zhang Lei back, Su Han hurried over and asked, "How is it? Have you borrowed the money?"

Zhou Ming took a photo of the bag and said, "Of course, the 10,000 yuan is all here."

Su Han said in surprise: "You really borrowed 10,000 yuan? I was worried that those who used usury loan sharks would not lend it to us!"

"With Dazhuang's brother-in-law's signature, the money is easy to borrow," Zhou Ming said, "Okay, since we are ready, let's start working."

After saying that, Zhou Ming took Su Han and Zhang Lei to the front of the staff building. Looking at these staff building, thinking that he was about to start collecting treasury bills to make money. Zhang Lei asked excitedly: "Which company should we start?"

"Everyone is OK, but don't just let it go if you are so excited," Zhou Ming instructed.

Zhang Lei nodded desperately and said, "No problem. At that time, Zhou Ming, I will stand aside and say nothing."

On the other hand, Su Han also pursed her lips, obviously a little nervous. After all, she had never heard of reselling treasury bills. She did it just based on her trust in Zhou Ming.

“Relax a little more.”

Zhou Ming patted Zhang Lei on the shoulder and said to Zhang Lei and Su Han. Then Zhou Ming walked to the staff building and knocked on the door of the first house. They were lucky, and there happened to be someone at home in this house.

The one who opened the door was an older sister in her thirties. He looked up and down Zhou Ming and asked, "Who are you looking for? Is there anything wrong?"

"Hello sister, I'm from the factory too. I'm sorry to bother you for a while. I would like to ask if you have treasury bills at home? That's it." Zhou Ming said and took out a treasury bill for her to show.

The elder sister glanced at the Treasury bill and nodded and said, "I have some at home, what's wrong?"

"Can you show it to me? I want to buy it." Zhou Ming asked.

"Oh, wait a moment."

As the elder sister said, she went back to the house and took out the treasury bills from his house for Zhou Ming. She put in an iron box, which contained dozens of treasury bills, most of which were ten yuan, some were fifty, and two were one hundred. It can be seen that the family's conditions should be pretty good. Zhou Ming carefully selected and picked out all the expired treasury bills inside, and then returned the iron box to the elder sister and said, "I bought these treasury bills, and they totaled 415 yuan, because there are a few in it that are too old. Even if it is a little cheaper, it's 400 yuan to make up for it. Do you think it's okay?"

"It's okay, anyway, this thing cannot be eaten or used at home," said the eldest sister very readily, "It's just that you won't take away the rest of the things you have together?"

"Sister, you should keep the rest of this first, I will collect it in the future."

Zhou Ming said as he took out four hundred dollars from his bag and handed it to his elder sister: "Sister, this is four hundred dollars, please click."

The eldest sister took the money and smiled and said, "Will I read it wrong for only four or four hundred yuan? You just need to point out the treasury bills clearly, so don't lose money."

"Thank you, sister. I've counted it several times just now. The face value is 415, but there are a few pictures inside that are too old, so I cut the price with sister."

Zhou Ming said as he handed over the Treasury bonds to Su Han and put them in her bag, then asked his elder sister: "By the way, sister, are you familiar with the neighbors in this building?"

"I have lived here for almost ten years since I got married, and the neighbors are all too familiar with each other," said the eldest sister.

"That's great," said Zhou Ming, "then I want to ask my elder sister to do me a favor?"

The eldest sister said kindly, "What are you busy with?"

"I want to ask my elder sister, please help me collect the treasury bills of other people in this building. Can I come here to collect them later?" Zhou Ming saw that his elder sister was hesitant and added, "I won't let you do it in vain, sister, I will give you ten yuan to thank you."

The eldest sister smiled happily: "Little brother, you are too polite. What's the relationship between the neighbors? And the brothers in our building are holding this... Treasury bills are useless. They have long been hoping that there will be someone like you to collect. Today, they are all working late and are all at home now. I'll knock on the door for you. When will you collect it?"

"Can you come here in about half an hour?" Zhou Ming asked.

"No problem." The elder sister waved her hand proudly.

"Then thank you, sister. I don't know what you call me?" Zhou Ming asked politely.

"My surname is Wei."

After leaving Sister Wei's house, Zhou Ming, Suhan and Zhang Lei went to knock on the doors of other families separately. However, after all, they are still working hours, and there are only a small number of people in the family. Zhou Ming knocked on several consecutive days but no one was at home.

"Zhou Ming."

When Zhou Ming was about to knock on the door of another family, he suddenly heard someone calling him. Zhou Ming turned around and saw a girl in a floral dress standing not far away. This was her former girlfriend Zhang Qian, but she was already with Marin.

If it were Zhou Ming in the past, he would definitely be furious, but after more than 20 years, Zhou Ming had already seen a lot of things. He just asked lightly: "Is there anything wrong?"

Zhang Qian was stunned for a moment, but she didn't expect that Zhou Ming would be so indifferent to him. She looked at Zhou Ming with complicated eyes for a while before saying, "Zhou Ming, just be soft-hearted towards Malin, so that you can go back to the factory to work, and the treatment you should give you will not be less. Moreover, you are a college student and your future development path is still very long. There is no need to ruin your future because of anger."

"Let me go back to the factory and let Malin ridicule me every day?" Zhou Ming smiled, "I'm sorry, I'm not as cheap as you think."

"What's wrong with you just lowering your head? Do you think it's good for you to stay at home every day?" Zhang Qian said, looking at the Treasury bonds in Zhou Ming's hand and then said, "And what are you doing now? Collecting Treasury bonds? Is this thing useful? Can you do some good things and do some serious things? Don't let me look down on you!"

"It was Malin who asked you to come to me, right?" Zhou Ming sneered and asked, "Don't worry about what I'm doing. Just tell him that although he has a good father, I will make a lot of money, more than everyone else!"
Chapter completed!
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