Chapter 1063: Going it Alone
"I'm so sorry, I have something else to do right now. I'll come back later."
Turning around and seeing that it was Lu Miao, Fu Jingyou greeted the comrade at the counter, picked up a few papers and walked towards Lu Miao:
"What brings you here?"
"I was going to ask you, what are you doing in the bank?"
As Lu Miao spoke, he reached out to take the order from his hand.
Fu Jingyou wanted to hide at first, but after she glared at him, he had no choice but to give her the thing obediently.
Lu Miao quickly flipped through the pages and looked at him in surprise.
“Interest-free loan?”
"Um……"
"Why are you suddenly thinking of taking out a loan? The money in the bank account at home is not enough?"
Lu Miao looked suspicious.
Dividends will be received in the near future.
Even without counting the dividends, there are still tens of thousands of dollars in working capital.
I don’t make large purchases of over a hundred yuan at one time very often in a year. Is there anything that requires a loan to solve?
"No."
Fu Jingyou shook his head.
Seeing that his wife was obviously serious, Fu Jingyou took her to a corner where they would not be in the way and said truthfully:
"I haven't really said I want to take out a loan yet, I just want to understand the situation first."
Actually, I have almost understood everything just now.
There are several types of loans, including foreign exchange loans, technological transformation loans, and corporate loans.
Policies on poverty alleviation funds have been issued before, and some loan methods are interest-free.
However, the number of state-owned factories reporting losses and unable to repay loans has increased significantly this year.
Nowadays, loans not only require certain assets to be pledged as collateral, but even if all the necessary documents are prepared, the loan may not be granted.
The outlook is not good, and bank approvals are becoming increasingly strict. I’m afraid I won’t be able to pay it back…
Lu Miao frowned, and after roughly understanding the situation, he nodded slightly:
"I know, I just want to know why you are researching these things."
do what?
“…”
Fu Jingyou suffered from temporary aphasia.
Since he didn't say anything, Lu Miao didn't say anything either.
The two men looked at each other calmly, and after a few seconds of stalemate, Fu Jingyou was the first to be defeated.
Knowing that he couldn't win over Lu Miao, Fu Jingyou didn't plan to be perfunctory.
Hiding from everyone's eyes, Fu Jingyou took Lu Miao's hand and asked slowly:
"Do you have anything else to do this afternoon? If not, I'll take you somewhere."
Lu Miao shook his head truthfully:
"There are no other arrangements for today. I have already asked them to go back first."
Fu Jingyou nodded and took her out as he said.
I used to go out on a bicycle in the morning, and now the bicycle is parked outside the bank.
Fu Jingyou helped Lu Miao get on the bicycle and rode her to the West Second Ring Road.
Actually, it’s nothing else.
But if we want to talk about it, we have to start from when Fu Jingyou encountered the flock of sheep a few days ago.
At that time, Fu Jingyou was reversing the car and taking a shortcut back to Qingta Hutong. On the way, he accidentally made a discovery.
In an alley outside the West Second Ring Road, a small hardware processing factory is being sold.
When he discovered it, Fu Jingyou went over to take a look.
I have been going out early and coming back late these days, and I have been asking about this matter.
That hardware processing factory was originally run by the street office.
It is not large, occupying an area of three tiled houses and a small courtyard, with a total area of about two to three hundred square meters.
There are five large machines inside, but the equipment has been used for some time.
Large state-owned factories can obtain state funding to upgrade equipment in the future, and the state will also arrange production targets and allocate markets.
Small state-owned units are on the margins of production and are easily neglected.
In addition, the equipment is seriously aging and it is difficult to improve production quality. Once these small factories lack national support, it will be difficult for them to be compatible with the market.
Not to mention competition.
Once a company encounters operational difficulties, the only outcome is bankruptcy.
This is the case with the hardware processing factory run by the street office in front of us.
They did encounter difficulties in various aspects, so the street office had to sell it out hastily.
Otherwise, if you continue like this, bankruptcy is the least of your worries, but bankruptcy plus debt is the biggest problem!
In the past, Fu Jingyou also talked to Lu Miao about setting up a factory and running it on his own.
But the idea of going it alone actually only came up recently.
These were the feedbacks he received during his job search. With his major, it would be better for him to work on his own instead of joining a factory.
When Fu Jingyou discovered this small hardware processing factory, he felt it was an opportunity.
But he was just considering it temporarily and had not really made up his mind yet.
After all, it would cost 80,000 yuan just to buy this factory.
Eighty thousand yuan!
This is not a small number.
If we put some money together, we can probably make it at home.
But the family should also set aside money for expenses.
Another thing is that running your own factory also has other unknown risks.
Most of the money on the note was saved by my wife.
Fu Jingyou felt very uncomfortable about taking the risk of using that money.
Fu Jingyou had to think more and come up with a safer solution after going around in circles.
That's why Lu Miao ran into him at the bank asking about a loan...
Lu Miao listened to what he said on the way, and when he arrived at the place, he walked a few steps into the alley and looked at it carefully.
The alley is very shallow, and at the end it faces the half-open iron fence gate of the hardware processing factory.
There was a sign on the door written in ink with bold font: "Transfer." No wonder Fu Jingyou saw it when he drove by...
At this moment, the gate was locked and there was no one in the factory.
Lu Miao stood outside the fence gate and looked inside.
There were two bulges in the yard, covered with rain cloth and it was impossible to tell what they were.
Turning around, I saw three long rows of connected houses with old doors that were also locked.
Turning around, I saw the windows were all in tatters, some even papered over...
A quick glance at it made it look more like a low-end, black-hearted workshop than a factory...
Lu Miao looked back at Fu Jingyou uncertainly:
"Have you seen what it's like inside?"
Fu Jingyou nodded:
"I've seen it. The equipment is a bit old, but it's still usable."
Taking a family as a unit, 80,000 yuan is a lot.
But if we take the factory as the unit, 80,000 is a small amount of money.
Although the equipment in this hardware processing factory is seriously outdated, it is still usable and still has value.
It just so happened that the street office didn't want to continue the business anymore and was in a hurry to sell it off.
Under normal circumstances, 80,000 yuan might not be enough to get it...
"If you think it's okay, let's do it."
Lu Miao nodded after hearing this and made a decision:
"But as for the money, if we can get it ourselves, we shouldn't ask others for help. You just said that it's not easy to get a loan now, so let's just forget about it. If we want to do it, let's go back and raise the money now."
Although Lu Miao didn't understand anything about hardware and equipment, Fu Jingyou studied this and he understood.
As long as Fu Jingyou has looked at it himself and thinks it is feasible, he can give it a try.
Lu Miao thought about it, and without saying anything, he took Fu Jingyou's arm and led him out of the alley.
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