Repayment of principal and payment of interest are the basic principles of credit. But in China, the phrase "long-term interest-free" breaks it.

First of all, no one can tell how long it will be, many collectives have been borrowing interest-free loans since the fifties and sixties to pay the salaries of their members, or simply to build infrastructure as if they were government investments, but no one is actively doing to repay them, and many production teams in the sixties and seventies are in arrears, and even the main body of the loan cannot be found, so that the bank can only describe these loans as precipitation.

Other bank outlets work roughly, just like Duan Hang said, they simply don't write the repayment time, so it becomes an indefinite loan, which is equivalent to making it clear that they don't have to repay.

In the era when administrative agencies were able to greatly influence the banking system, long-term interest-free loans were like appropriations, misappropriated by various special funds, and in some cases, they were also regarded as a piece of Tang monk meat, so that the State Finance Office had to repeatedly issue notices demanding that all localities rectify the use of long-term interest-free loans.

The bank's policy of collecting loans is even more reluctant to obey reality, stipulating that "in areas with a bumper harvest, in addition to recovering the loans due in the current year, they should also recover as much as possible the old loans; in areas with flat production, in principle, the loans due in the current year should be recovered, and in areas with light disasters and reduced production, they may collect less as appropriate, so as to achieve a balance between the collection and release of the loans in the current year......

In a capitalist country, the banks would certainly go bankrupt and die, and the capitalists would grin.

However, even if the banks have a conscience, it is left to the collective, and after the reform and opening up, long-term interest-free loans can be lent to individuals, but ordinary people cannot help but worry.

China does not have a bankruptcy law, in 82 years, no matter how bad the state-owned enterprises are, the debts will always be on the books, the same is true for personal loans, a natural person who cannot go bankrupt owes money to the bank, the father can't pay it back, naturally the son has to pay it back, the son can't pay it back, the son can't pay it back, the grandson has to pay it back.

After death, I owe a lot of money, and it doesn't sound good to think about it.

Moreover, although people at this time are simple, they also have simple worries.

Although it is said to be a long-term interest-free loan, what if the policy changes?

Yang Rui, who came from 30 years later, could say with a smile, "The policy will not change, it will not change in 30 years, and it will not change in 50 years", however, before the Southern Tour spoke, there was no one who dared to say this, and there were no people who said that it was useful.

A simple Chinese must take into account that maybe one day, a long-term interest-free loan will become your own mantra, and someone will open a study class to force you to repay the money, and you don't care how long the long-term is......

Furthermore, some people will wonder if money will become valuable in the future?

While any 21st-century student can scoff at the idea that China is spherical in inflation and deflation? In the news, I just heard that the renminbi has appreciated externally, but who dares to say that the renminbi can appreciate internally? Let him sell foreign exchange and try it!

However, the general concept of the 21st century, in the 80s, was difficult to determine the future that economists did not dare to declare.

In those years, the Soviet Union still pretended to be able to live for a long time, and Europe still put on a cute selfie face with a pouting ass in order for the "free world" to survive forever, and completely endured the trade difference with the United States.

China, which is far from being the world's factory, is facing infinite possibilities.

For ordinary people, borrowing a sum of money from a bank, even if it is interest-free for a long time, is still a matter that requires courage and risk.

Duan Hang was very embarrassed, Yang Rui helped so much, he only had a loan. But money is the last word, and he can only comfort: "I'll go to the Liberation Factory and talk about it, and it is estimated that I can add another two or three thousand deposits." The money is loaned out of the bank, and if you can afford it, you can pay it back, and if you can't pay it back, don't worry, no one will force you to go into debt. Besides, aren't we short of money now? At your level, if you write a few more articles, you will be able to pay it back sooner or later. ”

Yang Rui smiled: "You are so sure, I can't make money selling books." ”

"Yike...... No, of course not, I'm afraid you don't think the loan is good. ”

"The loan is a bit troublesome, I don't know how long it will take to get approved?" Yang Rui knows the efficiency of the bank.

Duan Hang didn't know why, and said: "As long as you take out a loan and sign the text, they will give you cash, and I will find someone, at most two days." ”

"Take the cash...... It's really fast. Yang Rui really thinks fast, in the 80s, he experienced too many inefficient things, but he didn't expect bank loans to become efficient.

Duan Hang looked at Yang Rui carefully for a long time, and said: "Don't think I'm selling loans, you can borrow if you want, don't borrow if you don't want to borrow, don't be reluctant, there is always a way to print books." ”

"Is it legal?" Yang Rui suddenly asked. He didn't ask this because he had a strong sense of law-abiding, as a man who aspires to be a biological company, law-abiding is simply a floating cloud, but too obvious illegal events can't be done, it's not cost-effective.

Duan Hang was stopped by Yang Rui's question, thought for a while, and said: "Breaking the law is definitely not illegal, the people of the credit union have too many loans, and they can't wait to force them on the heads of the employees." However, you are still a student, and if you don't fake it, you won't be able to get a loan......"

After hesitating for a moment, Duan Hang raised his head and said: "Take out a loan in my name, after the money is in hand, I will transfer it to you, and say that my wife wants to do business, and it is no problem to borrow a few thousand yuan." ”

"That's not going to work, it's still in my name. I want to borrow more. ”

"How much to borrow?"

"If it's really interest-free, or if the interest is small, you can borrow as much as you want. Yang Rui is not worried about not being able to repay the loan at all. In the near future, in two years, China's inflation will break through the sky, and the official figure of 25% a year means that the banknote will depreciate by more than 25% in a year.

In the long run, even if this kind of long-term interest-free loan cannot be used for 30 years, it will be the same as giving it for nothing, and the monthly salary of workers in 92 years has risen to more than 200 yuan, which is five times that of the current one, not to mention the power of large sums of money after operation.

Even if he grabbed a pig's head and came here, exchanged all the banknotes for stamps, and put them in the 90s, he could make a lot of money.

If you just want to live comfortably for the rest of your life, you can borrow interest-free loans to buy stamps in the 80s, sell stamps to buy stocks in the 90s, sell stocks to buy a house in the 00s, and become a billionaire.

Duan Hang didn't expect Yang Rui to be so violent, and said carefully: "Although it can be returned no matter when, it doesn't mean that you can't pay it back, if you squander it, it's also troublesome." ”

"What to squander, to invest, is to invest. ”

"What to invest in?"

"It's too much...... Yang Rui's gaze crossed Duan Hang and saw the brick house not far away, and he suddenly lost his strength.

Talking about investment in this environment is like wearing shorts to an interview, which is indeed a bit unconvincing.

Duan Hang touched the handlebars of the motorcycle and thought about it: "The credit union in Xi County has a loan of at least tens of thousands of dollars a month, if you want it, I estimate that it is no problem to get one or two hundred thousand, and it will be difficult to get more." ”

"If you borrow a loan of one or two hundred thousand, is it in your name or mine?"

"It's better to use my name, you're a student, it's not easy to get a loan. Duan Hang repeated it again. He actually feels pressured, the monthly salary plus subsidy of the criminal police captain does not exceed 60 yuan, which is already a high salary in the county, if calculated in this way, he can only accumulate 6,000 yuan if he does not eat or drink for ten years, and he can accumulate 12,000 yuan in 20 years, not to mention that he can't eat or drink.

If it weren't for an article given to him by Yang Rui, and the five hundred yuan he gave without caring about it, if he was just a relative, Duan Hang would not have helped with this kind of favor.

Yang Rui hesitated for a moment and said, "Then take out a loan in your name, and I will write an IOU to you." ”

Duan Hang was polite, but still agreed. Whether it is 10,000 or 20,000, it is not a small number for him, and besides, he is still a person with a wife.

……

In the next two days, Yang Rui suffered a lot of gains and losses.

Fortunately, Duan Hang didn't let him wait long, as the real power of the Public Security Bureau, Duan Hang had a lot of ways in the county, and he got an interest-free loan of 12,500 yuan on the third day, and the loan time was as long as 10 years, and he was given cash.

For this kind of loan, Yang Rui from later generations only has envy. However, what really surprised him was the eldest cousin-in-law, a woman who could not be regarded as familiar, who gave Yang Rui full trust, and after just meeting him, he acquiesced in her husband's decision.

The decision to lend the income equivalent to ten years of the whole family to others, or the money from his own loan, really surprised Yang Rui.

The rhetoric he had prepared was completely useless.

I only used this money for half a year, and after half a year, I bought all the stamps and left them for my eldest cousin. Yang Rui secretly made this decision.

received an interest-free loan of 12,500 yuan, and Yang Rui finally had the feeling of being the second generation of officials.

In these years, there is an official father, even if he is only the secretary of the township party committee, he can't use his own money to do business.

Yang Rui only took out 2,500 yuan to make a deposit for the second volume of the Jiefang Printing House, and when they printed it all, he personally escorted the car and sent it to the provincial capital, ready to make a decision according to the market reaction.

……