1115:Apply for college student entrepreneurial loans?
Everyone surrounded Wang Shuang and asked him to think of a way. Hang Xiaowen thought Wang Shuang would be angry, but Wang Shuang laughed unexpectedly:
"Of course I have more than one rich friend, but again, there is a problem with our project. No one will invest money in it. My family will not give money. My mother gave me 400,000 start-up funds.
It’s over, I’m just worried about how to explain it to her!”
Wen Ying may not be the gentlest among all Wang Shuang's friends, but she is definitely the most tolerant. She is obviously younger than Wang Shuang, but sometimes she acts like a big sister, and her ideas are much more mature than Wang Shuang's.
Even Wen Ying said "no", how could other friends agree?
The most fortunate thing for Wang Shuang now is that he didn't get confused and went to Xie Qian to invest - Xie Qian could freeze his head off with his eyes!
So, Wang Shuang really can’t find the money?
So what should I do? Should I wait quietly for my business to fail?
This project embodies Hang Xiaowen's hard work, and she is reluctant to give up.
If you want to gain a foothold in a place like Shanghai, a bachelor's degree from a 211 university is not enough.
College graduates receive a small salary every month, and they have to rent a house, eat and buy equipment, so they can't save any money at all.
When Hang Xiaowen first went to college, the housing prices in Shanghai were not as high as they are now. She was confident that she would settle down in Shanghai after graduation.
Those naive dreams were defeated by the rising house prices day by day.
Hang Xiaowen participated in an internship and also learned about the job destinations of seniors in the same major after graduation. Most of them were doing ordinary jobs with a salary that was neither high nor low, and they could neither starve to death nor make a fortune.
So Hang Xiaowen doesn’t want to find a job step by step, she wants to start a business to live her dream life!
The combined dedication of all the people present to start this business is not as great as that of Hang Xiaowen. They have no idea of the cruelty of real society!
If nothing else, let’s just say that if a rich second generation like Wang Shuang is separated from a simple environment like campus, how can ordinary people have the chance to be friends with Wang Shuang?
Hang Xiaowen spoke before the others, "Let's not force Wang Shuang. He is the largest shareholder. Even if there is only a slight possibility, he will not just watch our project fail. If he says no, there is really nothing he can do. Now it's time to turn
When we work hard, no one can come up with hundreds of thousands of dollars. If we share the pressure, how many tens of thousands of dollars will each person be responsible for?"
Hang Xiaowen's words were like pouring a spoonful of cold water into the oil pan, and several boys exploded in an instant.
How many thousands of dollars is each person responsible for?
They can't take it out!
"Sister Hang, my monthly living expenses are only 800 yuan. The consumption in this city is so high. This living expenses are very tight."
"My living expenses are 200 yuan more, but that's not enough."
"That's right, tens of thousands of dollars is too much, and I don't know any rich friends. Do I have to ask my parents for it?"
Wang Shuang was still smiling.
Whether he cries about poverty or complains, it seems that it has nothing to do with Wang Shuang.
This is wrong. Wang Shuang was the most enthusiastic at the beginning, contributing money and effort, and was full of enthusiasm for e-commerce entrepreneurial projects... Hang Xiaowen raised her hand to interrupt everyone's complaints, "I can't afford tens of thousands of dollars, but now I
I have the money saved from living expenses during college and the salary I received before. Well, I will personally contribute 10,000 yuan to maintain the operation of our team, and we will slowly figure out a solution together with the remaining money."
How to deal with it?
In universities, student unions and major societies will set up "external relations departments", and the funds for many activities rely on the external relations department to solicit sponsorship from outside the school.
Rich alumni and merchants who want to do business in the school are all sources of sponsorship fees.
If you are good at talking and can convince these people, you can indeed get some funds.
Hang Xiaowen took the lead and offered 10,000 yuan first. Others were less resistant and all agreed with Hang Xiaowen, saying they were willing to work together to find a solution.
Hang Xiaowen breathed a sigh of relief, "In addition to looking for investors, we can actually try to apply for a 'college student entrepreneurial loan'. We have business registration, office space, and clothing inventory, so we should be able to get a loan."
This is a good way, much more reliable than trying to attract investment.
The few people who had surrounded Wang Shuang just now turned to surround Hang Xiaowen.
"Sister, do you know how much loan you can get under this policy?"
"Can we really get a loan?"
"I heard that this kind of loan requires a relationship. There are so many people who want to get a loan, but few can get approved!"
Hang Xiaowen patiently answered everyone's questions, then turned to Wang Shuang and asked: "Wang Shuang, what do you think?"
…
Hotel reception room.
There were two cups of coffee on the table. Wen Ying and Wang Shuang sat face to face. Listening to Wang Shuang's story, Wen Ying didn't even bother to drink the coffee.
She asked the same question as Hang Xiaowen: "So, what do you think of Senior Sister Hang's suggestion?"
Wang Shuang rolled his eyes.
"Of course not, I'm not stupid!"
Hang Xiaowen wants to pay 10,000 yuan out of his own pocket, but Wang Shuang has no objection.
Hang Xiaowen mobilized others to go out to solicit investment, and Wang Shuang agreed with both hands.
Hang Xiaowen said she wanted to apply for a "college student entrepreneurship loan", but Wang Shuang immediately refused!
Wang Shuang was a legal person at the time of industrial and commercial registration. If the loan cannot be repaid, the bank will not contact Hang Xiaowen or other members. Wang Shuang will definitely not be able to escape.
"Sister Hang thought I was worried about the high interest rate, so she explained the loan policy to me in detail. I said I wasn't worried about the interest, I was worried about the principal! I asked who should bear the loan, and the whole room fell silent instantly."
Wang Shuang just thinks it's funny when he talks about it now, but it was really chilling at the time.
When it comes to applying for a loan, everyone is very enthusiastic and eager to apply for the maximum amount at one time.
When I asked who dared to take responsibility, everyone was as quiet as a chicken. No one, including Hang Xiaowen, was willing to take responsibility!
Why, does this mean that if it fails, he will repay the loan alone, but if it succeeds, everyone will share the dividends?
Wen Ying's hanging heart fell back to where it was before, "It's okay, okay, you're not stupid to the end. It's not wrong to do e-commerce, and it's a good choice to do clothing. It's not the project itself that's at fault but the project manager and management.
No amount of money can fill the hole if you don’t change your investment... So what are your plans now?"
Wang Shuang was a little uneasy, but more determined: "I've always been optimistic about e-commerce, and you think it's okay, and I don't want to give up. I don't want the current stall anymore, I want to start from scratch!"
Wang Shuang was too lazy to continue arguing with Hang Xiaowen's group. He refused to apply for a "college student entrepreneurial loan" and stated that he would disband the team.
Everyone, including Hang Xiaowen, was stunned.
No one expected Wang Shuang to be so radical!
After putting so much effort into it, they just disbanded?
So how should we make up for everyone’s hard work?
No one agreed to disband the team.
Wang Shuang's new friends were divided into two camps. One camp advised Wang Shuang to persist and expressed his willingness to work with Hang Xiaowen to find funds; the other camp yelled at Wang Shuang, saying that he was a rich second generation and did not care about a failure.
Disbanding means disbanding, which seriously hurts everyone's feelings.
"Ahem..."
Wen Ying choked as soon as she picked up the coffee and took a sip.
Wang Shuang had a look of resentment on his face, "You don't have to hold back, just laugh if you want to. My dad often said that people who love each other fight against enemies. I always thought he was nagging me. It turns out he was right. It's all because I'm too nice to these people. I deserve this.
I’m going to lose 400,000.”
emotion?
What relationship can compensate him 400,000?!
Wang Shuang finally had a sum of money at his disposal. Who said he didn't care? He felt heartbroken when he thought about it now.
Wang Shuang picked up the coffee on the table and drank it all. He put down the cup and kept rubbing his hands. He asked a very practical question: "I have no money. Can you treat me to this meal?"
