Chapter 3766 Great Inspection

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Once money becomes real estate, you can't get it back.

In order to develop and build Xiaoyao Island, the Su family has gone all out.

Not only did they invest the funds accumulated in the past.

Even the profits earned in the past three years have been invested in it.

As a result, problems arise.

Although on the surface, the profitability of the Su family's industries is still very good.

The profits obtained every month are very high.

But in fact, the Su family has various branches and descendants.

Huge amounts are loaned every month.

In the beginning, everyone was still under control.

The loan amount is still relatively low.

But as time goes by, this control is gradually let go.

In the past, Su family disciples spent tens of thousands of magic stones every month.

Because the flow of funds is restricted, they can only rely on loans to survive.

Every month, they only dare to borrow thousands of magic stones for spending.

But the question is, what can you do with thousands of magic stones?

Can that satisfy everyone’s consumption?

No! Obviously not...

Since there is a place like Hengyu Chamber of Commerce, loans can be provided at any time, and there is no limit on the loan amount.

How can those disciples of the Su family control their hands?

As time goes by……

Disciples of the Su family went from borrowing thousands of dollars a month to tens of thousands.

Then, the loan went from tens of thousands a month to a loan of hundreds of thousands!

In fact, the ones who are more courageous and play crazier among them.

Even one month, he dared to borrow hundreds of thousands of magic stones to spend.

Of course, they do this kind of thing very covertly.

No matter what, they didn't dare to let the senior officials of the Su family know about it.

Otherwise, he will definitely be criticized by the senior management of the Su family.

Therefore, the children of the Su family continued to live a life of intoxication and dreams, relying on loans from the Hengyu Chamber of Commerce.

In fact, they are even more free and happy than they were three years ago.

In just three years...

Su family from top to bottom.

From individuals to various branches and collectives.

A total of more than 500 billion mana stones were loaned from the Hengyu Chamber of Commerce.

If it were just that, the problem wouldn't be too serious.

Although the Su family will be severely damaged by this, it will not shake its foundation.

The most serious thing is...

In order to speed up the construction of Xiaoyao Island, the Su family borrowed a huge amount of 600 billion from the Hengyu Chamber of Commerce in the name of the Su family as a whole.

The loan term for this 600 billion yuan is ten years.

And the most important thing is that this part of the funds is an interest-free loan.

As long as the principal is paid off within the next ten years, it will be fine.

Of course, the Su family couldn't miss such a good thing.

With these 600 billion funds, they can build a large city on Xiaoyao Island in one step!

There is no doubt about the ability of a large city to attract money.

Take the Demon Sheep Sword Sect and the Haihui Island of Master Fan’s family as an example.

Haihui Island's annual profits are as high as hundreds of billions of magic stones.

The 600 billion capital, if managed well, can be fully repaid with interest in two or three years.

Therefore, the Su family did not hesitate to bite the bait set by Zheng Xiaoyu.

And it tastes delicious and delicious.

But just when the Su family was having sweet dreams.

The triennial inspection has begun.

During the investigation, the Su family discovered that various children and branches of the family had secretly borrowed large amounts of loans from the Hengyu Chamber of Commerce.

Up to now, its total loans have reached 500 billion!

The reason why the disciples and major branches of the Su family were able to borrow more than 500 billion was actually very simple.

Hengyu Chamber of Commerce cooperates with the Su family in its trade on Waiyang Island.

Hengyu Chamber of Commerce has only one headquarters on Waiyang Island and has not built any stores.

All kinds of precious materials and medicinal materials of the Hengyu Chamber of Commerce are sold to the outside world through the Su family's shop.

In the view of the Su family...

Hengyu Chamber of Commerce, this is obviously borrowing money to lay eggs and take advantage of the Su family.

Therefore, the Hengyu Chamber of Commerce would never dare to offend the Su family.

Because of this, all the children and branches of the Su family have no pressure when borrowing from the Hengyu Chamber of Commerce.

In their opinion, Hengyu Chamber of Commerce would not dare to offend the Su family no matter what.

Otherwise, no matter how many precious materials and medicinal materials they have, they will have no channels to sell them!

Using various excuses, stores in various branches often fall into arrears or squeeze out payment.

If the personnel of the Hengyu Chamber of Commerce don't bribe them well.

If you don’t often come to your door with gifts to please.

As for the payment for the goods, I won’t give it to you if I don’t give it to you.

If you have the ability, don't beg our Su family and don't cooperate with us?

Facing the domineering Su family, the Hengyu Chamber of Commerce really has no good solution.

Begging grandpa to sue grandma and coming to the door with a lot of gifts still doesn't work.

In desperation, Hengyu Chamber of Commerce used a large amount of funds to bribe those supervisors.

Funds for goods can be accumulated, but can the method of accumulation be changed?

Would it be more appropriate for the squeezed funds to be converted into loans from the Hengyu Chamber of Commerce?

Faced with heavy bribes, the supervisors of each branch of the Su family obviously couldn't resist.

Funds continued to accumulate, but the way they accumulated was transformed into loans.

It's all money owed to the Hengyu Chamber of Commerce.

It’s not a big deal to convert it into a loan.

Although you have to pay some more interest.

However, for the supervisors of each branch of the Su family, they do not need to pay this interest.

On the contrary, they themselves put huge amounts of bribe funds into their own pockets.

There is nothing better than this.

The funds squeezed by a large amount of goods were converted into loans.

Plus the loans from the children of the Su family and the branches of the Su family.

Under the calculation model of compound interest, the funds were accumulated to more than 500 billion.

In addition, there are more than 600 billion interest-free loans in the name of the Su family.

The Su family owes the Hengyu Chamber of Commerce a total of 1200 billion!

The interest-free loan worth RMB 600 billion was not originally a problem.

Once the construction of Xiaoyao Island is completed, it can be paid back one day.

But the question now is, what to do with the interest-bearing loans of more than 500 billion?

If you don't pay it off as soon as possible, it will be terrible if the interest rate is compounded.

500 billion in funds, with a monthly interest rate of 2%!

If it cannot be paid off as soon as possible, 10 billion in interest will be incurred every month!

More than 100 billion in interest are generated every year.

The capital of more than 500 billion will become more than 600 billion in one year.

If this continues...

With compounding profits, no matter how rich the Su family is, they will be brought down sooner or later.

If possible, the Su family will definitely pay off these debts at the first possible opportunity.

But the problem now is that the Su family has invested all their funds in the construction of Xiaoyao Island.

Even if you want to repay the loan, you don’t have the money to do so.

Now, the profit the Su family makes every month is not enough to pay back the interest.

And don’t forget…

Ten years later, that 600 billion loan will also have to be repaid.

And the most disappointing thing is.

Three years have passed since this ten-year interest-free loan.

Now in its fourth year.

In other words, in another six years, they will have to repay the 600 billion loan.

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