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Luo Jingsong and the others looked completely stunned, as if they had never thought about going to a bank for a loan, much less Jiuding Bank.
The traditional way of thinking for Easterners is that banks are often unreliable, and it's better to find a friend to provide assistance.
The Manchu Qing didn't have a financial system, so its people were unfamiliar and fearful of finance.
The first generation of immigrants might have understood some finance, but it would not be until the second or third generation grew up that they would start to utilize financial services.
"The threshold for White people's banks is too high, and people like us can't even get through the front door.
We know about Jiuding Bank, but you handle wealth management for the rich, and our money... it's too little.
Moreover, the amount we want to borrow isn't very much either, so it feels like it would be better to just find a friend rather than go to Jiuding Bank for a loan.
