People in the Republic of China start from building a top power

After Wu Si went out, Su Yun began to plan the specific matters of establishing a financial company.

The system gave him a thousand tons of gold before, so much gold was enough for him to serve as a bank reserve.

And a few days ago, He Jingzhi returned him [-] million in funds. Now that Su Yun has a lot of capital, it is a good time to enter the financial industry.

"If a new financial company is established, it is necessary to set up banks in some surrounding areas, and the interest of these banks cannot be set too high.

Moreover, different groups of people should be treated with different loan interest rates. "

Su Yun thought about these in his heart, and kept making plans on paper.

He set up a financial company and a bank to carry out loans this time. Apart from providing convenience to the common people and allowing the company to formally set foot in the financial field, there is also an extremely important point!

That's why Su Yun wanted to use this opportunity to target Fatty Kong!

The Kong family and the Song family are the two major financial giants in China today, controlling the domestic finance. In the domestic financial field, the Kong and Song families have a solid background and status.

But Fatty Kong is lending usury to the outside world. People who borrow money from him not only have frighteningly high interest rates, but also suffer from high interest rates!

By now, Fatty Kong has already lost the hearts of the people.

But the banks in Jinling City are controlled either by Fatty Kong or Song Wen.

In other words, the entire financial field is currently respected by the Kong family and the Song family.

It's actually not difficult to snatch customers away from Fatty Kong, it just requires a lot of money.

Because Fatty Kong's actions are too disgusting, such as lending usury.

Going to Fatty Kong's bank to borrow money is a serious usury, everyone knows it, but why go to his bank to borrow money?

This is actually impossible. There are a large number of domestic banks, which are divided into state-owned and private.

State-owned banks not only have lending business, but also because of economic development, interest rates are very low.

In name, anyone can go to the state-owned bank to borrow money, but is this really the case?

The Kong and Song families filled their pockets, and they controlled the financial sector, so the result is that ordinary people cannot borrow money from state-owned banks for thousands of years.

Unless you are a person with capital and status, you can borrow money from state-owned banks.

Ordinary people can't borrow money!

This matter is not only done by the Kong family, but also by the Song family. There is nothing to say about this.

Ordinary people are in urgent need of money and cannot borrow money from state-owned banks, so where can they borrow money?

Naturally, it is a private bank. There are not a few private banks, among which the Kong family and the Song family are the most respected.

There are also differences between these two families. It is precisely because of the differences that the Song family was spared from suffering, but Fatty Kong was the target of being confronted.

Song Wen's bank, as well as most private private banks, want to borrow money, and the procedures are relatively complicated.

If you want to borrow a loan, you not only need to fill in your own family information, but also need to know your job and your salary. After the information is passed, the bank will review it to determine whether you have the ability to repay the loan before lending money to you.

This is the rule of the Song family and most private banks.

The rules of Fatty Kong's private bank are very simple, as long as you fill in your family information, etc., you can directly lend money.

Sound convenient?Find it easy to make a loan?Do you think Fatty Kong is a good person?

In fact, this is the real pitfall. Why doesn't Fatty Kong's bank have so many requirements?

Because he is not afraid that you will not pay back the money. In terms of his status and influence, as long as you are in the country, you cannot escape.

You say you have no money?That simple, with land at home?Then seize the land!

No land?Have a wife and daughter?Send it to the brothel!

No wife or daughter?Where is the son?If you have a son, send it to some mine to mine, or send it to a factory or other places to work, without wages, and squeeze it hard!

Not even a son?Do you think there is nothing Fatty Kong can do?Then start with your relatives, in a word, he will not lose money.

Some people may say that repaying debts is a matter of course.

Yes, debt repayment is indeed justified, but what about the superposition of usury and rolling interest?

If you borrow [-] oceans and need to pay back [-] oceans after two years, what should you say?

This is the disgusting thing about Fatty Kong!

Even so, many people still borrow usury, why?

The procedures of other banks are too complicated. When you need money urgently, how can you take care of so much?

For example, your son is sick and urgently needs five or six hundred dollars for medical treatment, and you cannot afford the money.

Would you just watch your son die like this?

I believe many people will not!So in this case, you can only borrow usury!

At this time, Su Yun's establishment of a financial company and a bank will undoubtedly have a huge impact on Fatty Kong in the financial field.

This, to some extent, is also related to future actions against Fatty Kong.

That afternoon, Su Yun made a rough plan.

The bank under the name of Huayin Company only operates savings and loan business for the time being, and Su Yun has fixed a very low loan interest rate.

If ordinary people come to borrow money, even if it is a million dollars, they only need to repay an additional 500 yuan in interest after one year. That's 0.0005% interest!

And no matter who is borrowing, the bank will not charge any handling fees and service fees, and there is no need to go through too many cumbersome procedures.

But there is one thing. Before lending, the bank must strictly investigate the past experience and family background of the borrower, and also take time to investigate the person's usual conduct.

If the borrower's family has a criminal record or serious bad behavior record within three generations, as well as those who have bad conduct and poor reputation from people around them, they are not allowed to borrow money!

In this regard, Su Yun's regulations are somewhat similar to those of later generations of banks, mainly to prevent some dubious people from doing bad things after borrowing money.

Secondly, this is also to ensure that the loan borrowed can be returned in time.

After all, no matter when, people's hearts are the most unpredictable. Although Su Yun borrows from others based on the principle of convenience for the common people, he can't condone some guys to do anything wrong.

These are all carefully considered by Su Yun.

Compared with those banks under the name of Fatty Kong, the interest rate of state-owned banks is much lower, only about 30.00%, while borrowing money from Fatty Kong's bank, the interest rate will be as high as [-]%!

It's still a profit!

However, the common people would rather go to Fatty Kong to be exploited than to borrow money from the state-owned bank, because some of the procedures there are too cumbersome, and the bank may not approve a series of procedures.

The reason why Su Yun stipulated this way is firstly to make it easier for ordinary people to borrow money, and secondly, he tried his best to prevent loans from people with bad conduct, so that the money can fall into the hands of those who need it more.

And for those small businessmen or capitalists, the loan interest set up by Su Yun is higher.

Different from ordinary people, those small businessmen and small capitals are not very rich, but they still have some family background.

They can still afford a little interest.

As for whether it can hit Fatty Kong's bank, Su Yun is very confident about this.

He knew that Fatty Kong's usury bank can continue to make money until now, because of those people who are in urgent need of money.

The rules for Huayin Bank are unchanged, but Huayin Group has other companies that can solve this problem.

Family members are sick and need money urgently?Not enough health insurance?

It's very simple, treat the disease first, bring the person to the hospital, and let's talk after the person is cured.

Don't rush to pay the money, the company has a financial crisis?The capital chain is broken?

Simple, as long as you are the legal person of the company, you can borrow money with your license certificate.

Need money urgently for something?Simple!You are not the boss of the company, nor are your family members sick. As long as you can find two people from the same village to testify for you and prove that you have a good reputation, part of the loan can be granted to you for emergency.

The bank does a quick check, makes sure it's correct, and gives you the rest of the money.

Anyway, there are ways, as long as Kong Fatzi's bank lends money quickly, and by virtue of his influence in the hearts of the people, he can quickly defeat Kong Fatzi's influence in the financial industry.

After these things are established, the next step is publicity.

The establishment of a financial company is related to the subsequent actions against Fatty Kong.

The next day, Su Yun first called Qianjiang and asked him to print enough leaflets and send people to nearby places to promote them. Su Yun also told him the specific content on the phone.

Then he notified Zhao Lin to let him register a financial company.

Soon, Zhao Lin called: "Mr. Su, the financial company's business is done, and the relevant procedures will be completed soon."

"understood."

003 Su Yun hung up the phone, and said to Wu Si: "You send someone to notify the major newspapers in Jinling City, so that they can do a good job of publicizing the financial company's affairs. I will send you the details later."

"Got it, President Su!"

Wu Si heard the words and immediately went to work.

Then Su Yun asked the driver to prepare the car. He was going to go to the Ministry of the Interior to meet Li Wenfan.

Although Huayin Company's current appeal is very strong, it is best to get official support if it wants to spread this news across the country.

At the Ministry of the Interior, Li Wenfan usually has contacts with him, and the friendship between the two is not bad. Su Yun came to him because he wanted him to help him borrow strength from the official side.

After arriving at the Ministry of the Interior, Su Yun went straight to Li Wenfan's office.

On the way, several people from the Ministry of Internal Affairs saw Su Yun coming and did not stop him. They had long known that the relationship between President Su and the minister was not ordinary, and he had a strong influence outside.

Today's Su Yun is not just the businessman in the past, even the people from the Ministry of the Interior should be polite when they meet him.

After seeing Li Wenfan, Su Yun explained his intentions: "Minister Li, I recently thought about setting up a financial company to drive the banking industry, and this requires a lot of publicity.

I came to bother you this time because I hope you can help and let the higher-ups give me a publicity. "

When Li Wenfan heard that Su Yun wanted to start a financial company, he immediately expressed his support. He knew exactly what Su Yun would do next.

"Ziwen, you just go ahead and do it, I will report and arrange people to help you promote it, and then I will report to the committee, and try to spread the news to the whole country as soon as possible!"

Su Yun quickly thanked: "Then trouble Minister Li, Ziwen came suddenly, and troubled the Minister again."

Li Wenfan immediately pretended to be displeased: "Ziwen! If you say this between us, we will be born!"

He and Su Yun have known each other for a short time, although the friendship between the two is not very close, but they can still be regarded as friends.

Su Yun smiled wryly: "What Minister Li said is that Ziwen is out of touch."

The two exchanged pleasantries again, and Su Yun left the Ministry of Internal Affairs.

After returning to the company, Su Yun immediately asked people to prepare for the opening of various banks.

Years ago, he still had a lot of work to do, and the company's employees would also be on vacation near the end of the year. Taking advantage of this time, he had to complete a lot of preliminary work ahead of time.

Chapter 377: The economy leads the trend of the times

However, even if the preparations are carried out ahead of schedule, financial companies and those banks are unlikely to open for business in the near future.

Su Yun did some calculations, all banks will have to wait for a while before they officially open.

In the next few days, Su Yun has been preparing for work in the financial field.

During this period, he originally wanted to discuss with Song Wen. Song Wen is the leader of the domestic banking industry and is proficient in all aspects of the financial field. With him around, many things will be more convenient.

It's a pity that Song Wen is currently in Hubei, and he is also related to Fatty Kong's matter, so it's not good for Su Yun to contact him rashly.

Inside the company, Gao Lin has some opinions on this.

However, the establishment of a financial company is not just for the purpose of entering the financial field. There are also factors targeting the Kong family. Su Yun cannot easily discuss with Gao Lin.

Therefore, in many things, he can only plan alone.

A few days later, all the major newspapers in Jinling received the news that the Huayin Group had established a financial company, and an order was passed down from above to let newspapers all over the country vigorously publicize the matter.

All of a sudden, the news that Huayin Financial Company was going to open spread all over the country.

In the streets and alleys of Jinling City, many newsboys shouted loudly.

Waving the newspapers in their hands, they ran around teahouses and restaurants, passing the news of the establishment of the financial company to many people.

"Extraordinary! The first financial company under Huayin Company will open soon!"

"Extraordinary! Domestic commercial giants have officially entered the financial field, and Huayin Financial Company officially opened for business on January [-]!"

"Extraordinary! Huayin Financial Company will be established soon, and many banks in Jinling, Shanghai, Suzhou and other places will open to the outside world!"

"Extraordinary, Huayin's banks will provide low-interest loans to people everywhere, and Mr. Su will benefit the people again!"