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In March, the province issued the "Notice on the 2001 National Economic and Social Development Plan."
When Qin Wenli saw the newspaper, the bricks and tiles for building the factory had already piled up half of the wheat field.
He excitedly stepped into Director Wang's office, holding the newspaper. Director Wang smiled and stood up when he saw him. "I was just looking for you. Did you see the notice?"
Qin Wenli smiled and nodded.
Director Wang pulled him to sit down and said, "To be honest, the county has already held a deployment meeting, and the town will hold one soon. I just came from Secretary Liu before you came. I have already reported to Secretary Liu about your family's factory construction. He was very happy and supportive, and told me to follow up at any time to help solve the difficulties and needs you face."
This is really good news. Qin Wenli suppressed his excitement and stood up to express his gratitude: "Thank you Secretary Liu and Director Wang for your concern and support for us. We will definitely seize the opportunity and live up to the kindness of the two leaders."
Who doesn’t like to hear nice words? Director Wang smiled with his eyes narrowed.
The two talked about the support policies for a long time and agreed to go to the credit union the next day to connect for the loan.
After coming out from Director Wang, Qin Wenli regained his calm and composed look. He walked into the backyard of the shop, then excitedly hugged Yang Xiu and spun around.
Yang Xiu was swung around a few times with a confused look on his face and then was kissed on the face. Her face was a little red, and she complained while wiping her face: "Why are you so crazy in broad daylight?"
Qin Wenli told the story excitedly, and Yang Xiu was also happy after hearing it.
In the afternoon, Qin Wenli followed Yang Jian home and reported the matter in detail to Hu Yufeng. Hu Yufeng was immediately overjoyed. This way, there was hope for funding to ensure production and build new factory buildings.
The next day, the mother and daughter dressed up and went to see Director Wang in high spirits.
Led by Director Wang, the mother and daughter finally met Zhou Tianpeng, the director of the credit union who was said to be very corrupt.
"Director Wang, what brings you to our small place?" Zhou Tianpeng was a tall and thin man. When he saw Director Wang, he took a few quick steps forward and shook his hand.
"Director Zhou is so modest. You dare to call your temple of the God of Wealth a small place..."
The two of them exchanged polite greetings with smiles on their faces. Director Wang walked into the door first. Zhou Tianpeng glanced at Hu Yufeng and her son inconspicuously, then followed Director Wang.
Zhou Tianpeng's office is not big, with a set of sofas and coffee tables at the entrance.
Director Wang first introduced both parties.
"This is Director Zhou of our credit union. He is in charge of the economic artery of Shangguan Town."
Then he pointed at Qin Wenli and said, "These are the two owners of the Yufeng Mahua shop in our town."
Zhou Tianpeng knew about "Yufeng Mahua" as his subordinates in the company had sent some to him before. Seeing that the packaging was simple, he put it aside and gave it to his relatives. Unexpectedly, the old man saw it and liked it very much after tasting it.
He passed by and took a look. It was just a very small shop.
I just don't know how his family got in touch with Director Wang. Zhou Tianpeng had a friendly look on his face, but he was already planning to get a few points in his mind.
After accepting it, the three parties sat down and a young girl came in and poured tea for them.
Director Wang asked about the credit union's operating conditions as usual, and then changed the subject to explain the purpose of his visit.
"Have you read the No. 1 document this year? The General Secretary proposed that the development of small towns must first develop township enterprises. The chairman of your association also attended the meeting to convey the spirit of the "Notice" two days ago, and the same idea was expressed. If the economy wants to develop, it must rely on enterprises to drive it... 'Yufeng Food Factory' is the first batch of demonstration enterprises approved by Secretary Liu, and it is also the key support target of our town this year. The leader specifically asked me to connect with you to discuss the specific support plan..."
When Zhou Tianpeng heard that it was Secretary Liu who personally approved and gave key support, he opened his eyes and looked at the mother and son opposite him.
This sight was somewhat surprising. Regardless of what the two men were wearing, their polite and calm demeanor was completely different from those people he had come to him in a humble manner.
It turned out to be Secretary Liu's backer. A hint of understanding flashed across his eyes.
But, Secretary Liu can’t control him, right? Thinking of this, I started laughing.
"This is a good thing. Putting aside other things, once your factory is built, Director Wang won't have to worry about the taxation task in our town."
Director Wang's expression did not change at all. He gently placed his two fingers on the armrest and smiled, "Whether you have a headache or not depends on Director Zhou's face." Then he turned to Qin Wenli and said, "Wenli, give Director Zhou a brief report on your business situation."
Then he looked at Director Zhou and said, "I know the loan process of your credit union. It needs an assessment first!"
Qin Wenli handed the prepared materials to Zhou Tianpeng, turned around and sat down to explain briefly. When Zhou Tianpeng heard that the shop had an annual operating income of more than 100,000 yuan and a net profit of more than 50,000 yuan, he sat up straight.
Eighty percent of their rural credit cooperatives' clients are farmers, and 20 percent are self-employed individuals in the streets. The loan amount ranges from five hundred to one thousand yuan, and the maximum does not exceed one hundred thousand yuan. There are also big differences in annual income, but those who earn more than 10,000 are a minority.
It seems that this small shop is quite profitable.
The main indicator that banks consider when issuing loans is profitability, and Yufeng fully meets this requirement.
But, their credit union doesn’t just look at this!
Thinking of this, he leaned back in his chair, took a sip of water, and said with a smile: "It seems that Boss Qin is very capable!"
Qin Wenli said politely: "I can't say that I am very capable, but I am lucky to be able to get the care of Secretary Liu and Director Wang. I will also trouble Director Zhou to take care of me in the future!"
Zhou Tianpeng drank water with a smile and did not respond.
Director Wang tilted his mouth downward, raised his head and said directly: "The General Secretary emphasized that the financial industry is the main artery and blood of the national economy. The healthy development of any industry or enterprise cannot be separated from the support of banks, and Yufeng is the same. So this time I brought them here to discuss cooperation opportunities with Director Zhou."
"Director Zhou, our products are now distributed throughout Yang County. The small workshops and shops at home are running day and night, and the production capacity can barely meet the demand. But the next step is to move into Qingyuan. It is only a matter of time before the production capacity cannot keep up with sales, so it is necessary to build a new production and processing plant. I also hope to get the support of Director Zhou." Qin Wenli continued.
Zhou Tianpeng paused while drinking water and smiled faintly: "Hearing what Boss Qin said, the factory planning is indeed very good. How much do you want to borrow?"
Hu Yufeng and Qin Wenli had calculated this at home a long time ago.
Although the land is six acres, only one peanut processing room will be built in the first phase, covering approximately one acre. It includes raw material storage area, production and processing area, packaging area, finished product storage area, inspection area, etc.
Build an office building and a concierge and security station.
They asked Qin Wenzhen to calculate the cost and found that it would cost about 200,000 yuan.
Qin Wenli pretended to be in deep thought for a moment, then slowly said, "Director Zhou, we want to borrow 350,000 to 400,000 yuan."
He talked with Director Wang yesterday and learned that there is an interest-free policy for agricultural project loans. He didn't expect a full interest subsidy, but even a half-waiver would be like money falling from the sky.
I also called Qin Wenping for consultation in the evening. According to his experience with loans, it's just like bargaining in the vegetable market. If you quote a higher price, they will hold back and cut the loan in half.
After hearing this amount, Zhou Tianpeng looked at him coldly. This Qin Wenli really dared to ask for such a high amount.
Qin Wenli looked at his expression and continued to maintain a polite smile.
Director Wang looked at both parties and said with a smile, "We have also stated Yufeng's needs. What do you think, Director Zhou?"
Director Zhou glanced at Qin Wenli with amusement, rubbing his thumb and index finger inconspicuously, but the person opposite seemed not to understand and still had that annoying smile on his face.
Director Zhou's eyes turned colder, and he said indifferently, "I can't make the decision on such a large amount. Let me ask the credit union for instructions before we discuss it, okay?"
As he said this, he looked at Qin Wenli.
Qin Wenli didn't look at him. He exchanged glances with Hu Yufeng, then turned to Zhou Tianpeng and said with a smile, "Of course. Director Zhou, you are busy, so we won't disturb you."
As he said that, he took the information and put it in his bag.
Director Wang also stood up and said goodbye. As he walked out, he casually said, "Wenli, pack the information and come with me tomorrow. One of my classmates asked me to introduce a loan client last week. You see, we used to beg the bank for loans, but now the bank has a task to issue loans..."
Behind him, Director Zhou sneered, thinking that it was impossible to get something for nothing!
…
Two weeks later, he went to the county cooperative for a briefing.
While other township credit unions are experiencing dismal lending volumes, Director Yuan Yongming of Shengning Credit Union has achieved exceptionally outstanding results.
"Chairman, we have connected with a township enterprise with great potential. I have checked the specific situation of the enterprise on site. There are no problems with its profitability and repayment ability. It is a high-quality loan customer. At present, we have reached a further agreement and are ready to report to you before the loan is issued."
The chairman of the association was initially upset by a group of incompetent subordinates, but his face relaxed after hearing this, and he said with interest: "What's the situation of this company? Tell me in detail, so that these..."
He pointed at the other directors, as if pointing at a group of pigs: "Take some lessons from them..."
Yuan Yongming looked at Zhou Tianpeng meaningfully, and Zhou Tianpeng's heart sank, thinking to himself that something was wrong.
Sure enough, the next second, Yuan Yongming slowly spoke: "Oh, come to think of it, I should thank Director Zhou." Seeing that everyone, including the chairman, pricked up their ears and looked at the two of them, Yuan Yongming continued: "This company is under the jurisdiction of Shangguan Town. I was a little surprised at first..."
As he spoke, the eyes focused on Zhou Tianpeng gradually turned into ones of gloating.
Zhou Tianpeng was too embarrassed to raise his head, so he sat on the stool and felt like the days were passing by like years.
After Yuan Yongming finished speaking, the chairman slowly said, "Oh, Director Zhou, tell us why Shangguan went to Shengning to get a loan?"
"I don't know either..."
"Not clear? I see you understand it very well..." His eyes were unfriendly as if he wanted to stare through Zhou Tianpeng. No one in the meeting room dared to make a sound.
After a long time, the chairman withdrew his gaze and turned his head to look at the director of the association next to him.
"I think it's time to hold a special meeting to rectify work style..."
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