Wenzhou businessmen said the owner of the basic system of suicide on foot through the civil usury

photo shows Chen Zhiguo, when in the interview with this reporter received a text message.

in Wenzhou businessmen Chen Zhiguo view, the situation of SMEs in Wenzhou have been rumors of a lot better than the outside world. But now, he has obviously felt, because some business owners on foot message is amplified, temperature and providers are facing unprecedented crisis of confidence.

10 mid-Wenzhou, the temperature slightly higher than Beijing, but not exceeding 26 degrees Celsius, or “warm” state.

Wenzhou to the outside world the impression that very high profile, but the city is not advertised: Wenzhou Yongqiang Airport is only two-storey scale, only 3 baggage conveyor belt; road car to drive, not to work on time, not traffic jams, the legendary high-end luxury sales offices around the front of the “Zhejiang C” license plate in a luxury car is also rare; street construction in addition to stand out of the World Trade Center, almost did not exceed 100 meters, even if there is “Wenzhou Street,” said the Station Road, the overall look, with other second-tier cities in China is no different. The only obvious difference is that, where the banks, guarantee companies, consignment line, extra pawn and more, especially banks, an intersection, a street, six or seven banks is widespread, common

of the building workers and peasants, four state-owned banks, the capital of Zhejiang is not common, Chouzhou other small banks, we can say is everything. Local taxi driver said: “You can see the banks in the country where almost all, this is the year clamoring to give money to the Wenzhou businessmen.”

About Wenzhou businessmen, spread outside a lot of their stories and legends.

the story: “I, 10 million.” “I, 16 million.” “I, 20 million.” This is just a few Wenzhou businessmen ordinary dinner. Sunny window, drinking tea, laughing, 2 billion of funds have been raising is completed.

Story 2: “This 800 million,” “this 10 million,” “this 12 million,” placed a piece of paper table, Wenzhou businessmen anxiously asked counsel: “The money that you help me think of a way, how can I come back as soon as possible? “

spread the legend of these two distinct watershed is: dozens of business owners in Wenzhou the exposure of the message on foot.

warm business groups

“boss alive and well more”

Correspondent see Chen Zhiguo in October to mid-afternoon. “Is there on foot, jumping, but most like us alive and well. Wen’s composition is primarily for the Chinese industrial and commercial temperature across the country, this group is not affected.” Machine out the window along with the the roar of spinning, Chen Zhiguo said the handle pool.

Chen Zhiguo, a new material factory in Wenzhou chairman. Meter eighty or so, wearing black-rimmed glasses, blue flower shirt in black trousers do not house, exposing the classic Hermes belt big gold “H” mark. Hair slightly curled hair wiped film, polished shoes, cell phone use is Iphone4, this pair of “boom” range of children, with shapely, so that he looks only 40 years old.

his son, Chen told reporters that his father more than 50, and like fashion, like to watch Hunan TV’s “Super Girl”, “Super Boy”, also often has some amazing moves. There was a time, Chen Zhiguo to have to pull the lens, wearing an empty frame to work every day, talk business.

Chen Zhiguo Ruian Wenzhou people, six brothers and sisters are doing business, to open more than a dozen plants, is a typical “warm business” family. In the local financial turmoil, has always insisted on doing the main business of the Chen family is not affected.

“My brother and sister they are not real estate, play usury, as I have some, but also because last year we began planning for companies listed on GEM, basically the ‘outside money’ are coming back. Ago I also advise them to carry out some, make some money, now, very thankful that they did not blending in.. “

Chen Zhiguo called” outside money “refers to the outside of real estate, private lending of funds.

traditional Wenzhou

the couple loan as well as “information”

private lending for Wenzhou it has long been a common “way of managing money.”

Just how young of Wenzhou private lending history? As a native of Wenzhou, Chen Zhiguo’s memory, grandfathers have private loans, but then many relatives, between villagers, the interest is also low. In Wenzhou, private loans just to eat, sleep, is essential for many people a way of life and financial management.

“there is a credit information”, including the husband and wife, father and son, brothers, Wenzhou private lending will take the initiative to outlaw pay back the money when the interest. This is, in Chen country is no exception.

Wenzhou, a woman married, sir business, women are not idle, most of the factories or open their own real estate. Chen Zhiguo’s wife opened a tire factory, business is good. Chen Zhiguo sometimes need cash flow, and his wife have time and interest to borrow money. But, interest will be much lower than private loans, and bank lending rates are very similar.

father’s business philosophy to poetry to pass to the next generation. Chen admits: borrow money to his father, my father will outlaw pay interest. “I have a friend, go to school when he and his father to borrow money and then lending out, such as a point of interest he borrowed the money from the father, will be 2 points of interest lend out their own profit. “Chen said.

Chen from Chen Zhiguo, and the conversation, the reporter can always feel those generations, powerful business force. If you recognize this unit virtually enveloped in power over the city, Wenzhou, private lending is not difficult to understand the prevalence of deep-seated reasons.

knife section called a “Lao Gao,” 150 creditors

in Wenzhou, on foot, jumping people are basically borrowed a “knife paragraph “.

“knife money” is a native of private lending in the call loan sharks. “Knife money” to a maximum gross monthly interest rate of 5, for example, $ 10,000 of money to put out a day of interest is 50 yuan, a year of income up to 180%.

“A few years ago, we say that those who are now running, jumping, and sooner or later to run, to jump, as they ought, high consumption, very greedy.” Chen Zhiguo At the beginning of the madness of private lending scene, said.

Chen Zhiguo remember, the most crazy, when are we chasing to “Lao Gao” money. “Lao Gao,” of course does not name the high, but local people on the people, “usury” lenders title.

“I have a friend, is a well-known ‘Lao Gao’ time, to anyone who can give money to this friend, will feel particularly proud.” Chen Zhiguo said, this friend had been rough calculation creditors, as many as 150 people. Therefore, the Lao Gao who, one night a few phone calls, to raise one or two million is not fantasy, friends, then the money used in real estate, on usury.

However, rising interest rates on the same time, because the purchase of the policy, the real estate market has become increasingly cold, prices began to decline, while the bank’s money has become increasingly difficult to credit. Chen Zhiguo some friends around, starting with bank loans of money, no money when due, the banks can borrow money to usury, thinking out loans from the bank and then paying the money sharks. But with banks tightening the money supply, loans do not pay a lot of people had to go to lending, usury interest rates the higher the more roll.

“Many people did not expect this regulation so long.” Chen Zhiguo said, many people simply turn to buy a house is not short out, or the profit was not as high as originally expected. Ultimately, a funding strand breaks.

panic to pass 24 hours can not be shut down

shocked the outside world for the cause of the “on foot more than the boss,” Chen Zhiguo previously not too concerned, because in Wenzhou , on foot, jumping phenomenon previously had, and nothing new.

April and May of this year, Chen Zhiguo was started around on foot, and so he began to sit up is a phone call.

“One day a friend called me and said, ‘I am good, not on foot.’ How is it? Later learned that some time ago, he went to Hong Kong to play for three days, cell phones shut down, etc. looked back, the factory’s office filled with people, a bank, there to debt, as well as suppliers … … everyone thought he was on foot of it, and quickly come to account, even factory equipment was ready to move out. this friend come back quickly after the call to the people around an explanation, but a lot of people do not believe him, he hurried account every day, I thought to myself, do not bother to go after Where, Do not shut down. “

Since then, Chen Zhiguo began 24 hours a day on foot to avoid a similar rumors.

24 hours without shutdown of the result, Chen Zhiguo telephone, text messaging has not been broken since. Whether away from home, or in the factory yard, he must be ready with a charger.

not only break the usual quiet is not shut down, there is a further breakdown of trust.

Chen Zhiguo found that only a few months ago, an acquaintance between the borrower, the amount of twenty million, make a phone call from the card to fight over. And now, even if only 200 million of credit, need to play a note, write a receipt.

“Yesterday, a friend also, and I said to him in Hefei, a local bank loans, borrow a few million are less than tens of millions of previously very easy. How could this be?” Chen Zhiguo discourse has also been some concerns about the future.

creditors door “Do not fight, he owes you 600 million and 20 million it owes me”

in Wenzhou, private lending well-developed, not only is a chain, it is a net. When a mesh when the damage occurs, the resulting fission reaction is a crisis of confidence.

Chen Zhiguo explains, B to lend money to the A, of course, B is not the money he may be from 5 to 10 C to get there, and they may be behind each C There are 5 to 10 D … … such a level funding, with each level they may cross each other. Thus, as long as the network structure of a part of a problem, is a large impact. “So, a person on foot, not familiar acquaintances are terrifying.”

“President Chen, you know my personality, I really do not. People who owe money to my brother on foot, and I my brother’s money is not easy to be there, your money can wait. so and so grateful. “- This is Chen Zhiguo and chat with reporters, a debtor has just sent a text message.

this time, these messages become commonplace. In addition to debt SMS, there is a distress call.

10 month, Chen Zhiguo Urgent received a call on: “Chen, help me!” Side of the phone call for help a neighbor who is Chen Zhiguo, but also his friends and the debtor. It turned out that neighbors owe someone $ 6 million, overdue, creditors came to the door, meal explosion hit. Chen Zhiguo received a phone call and immediately called the police, then rushed to the neighbor.

“I said to debt, you do not fight, he owes you 600 million and 20 million he still owes me what you want dislodge him, we who take the money not my alarm, you quickly go. “urging of the Chen Zhiguo, the talent to put a hand debt.

a talk about these things, Chen Zhiguo on those running, jumping people quite comments: “What you run, jump What is it. When the original money, live in luxury, open luxury cars, eat abalone, drink Lafite, no money, you have a run, hop trouble, threw a pile of mess, too outrageous! “

Wenzhou, according to the truth is still the song to sing dance according to the jump

“Wenzhou is not the biggest problem now facing the financial crisis, but a crisis of confidence.” Chen Zhiguo said.

Wenzhou, in the end how many bosses on foot? Public data is: more than 90.

Chen Zhiguo has his own view: “There are 360,000 SMEs in Wenzhou, ran more than 90, a few hundred thousandths the ratio of the actual economic impact should not you go take a look at the KTV , according to sing songs or dancing, singing mood these bosses also shows that life’s not bad, but it brought to people is a terrible panic and some people on foot, between the destruction of their own people in Wenzhou , and external trust. “Wenzhou people who constitute the human-based lending, and therefore now become vulnerable.

“a friend because you want to update machinery and equipment, the factory’s old equipment are ready to move out away. Who wants to be an outsider to see, took a photo sent to a micro-blog the next day, banks, creditors, suppliers suddenly have come at once, have asked not to sell equipment, ready on foot? “

this thing happened a few days ago to Chen Zhiguo was shocked:” No problem , but also a problem. people of Wenzhou businessmen trust from one extreme towards the other extreme. “

” However, Wenzhou’s healing ability is very strong. Wenzhou private capital is based on temperature across the country and overseas business, at present, this foundation did not fall, in addition, Wenzhou heavy bonds of friendship, trustworthy ideas have not changed, therefore, of Wenzhou private lending through this storm, if there is government guidance, to do more transparent, orderly, and later still no problem. “Chen Zhiguo worried about the same time, full of hope.

him full of hope and a reason for that is that to survive the blast hit him, more than 20 million owed him a friend and it has not run, still trying to find ways to pay back the money.

Chen Zhiguo Let the plant every day made such financial information: the basic account N-, general households X $ Y per individual card, cash Z dollars. “On the one hand, I want to know my financial status of these, on the other hand, I will be based on financial status, to find suitable investment opportunities. I now have more than 50 million accounts, there are more than 1 billion of bank credit, purchase, shares of some small projects, is certainly no problem. “

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