Chapter 46 Loans to build a company
In another time and space, it is normal to buy rural commercial bank stocks and even become its shareholders.
But now, rural credit cooperatives are independent but have not completed commercial transformation.
Gu Anmin naturally dared not invest, otherwise when he waited for it to be commercialized and checked the assets...
'Who is this surname Gu? He dared to infringe on public assets and took it out and died!'
"Brother, when I have money in the future, let's talk about investing. You go back first."
"Okay, Director Gu!"
The director of Shiliying Credit Union also felt that this was not an occasion where a small business center could mix with him. After shouting the slogans, he ran away.
Gu Anmin turned around and looked at the Agricultural Bank of China, Industrial and Commercial Bank of China, which were accompanied by the township leaders and the second township leaders, and the CCB that was pulled close to Zhang Wei...
Quickly sort out your thoughts and make a secret gesture.
The three of them immediately pulled the bank into the reception desk and sat in three positions.
The bank leader is not stupid either. He quickly understood that the person named Gu is playing "shopping around".
but……
After the reform of the four banks, they became joint-stock or commercial banks, and their income sources mainly depended on the 'credit gap'.
That is, relying on one's own reputation, one absorbs a large amount of deposits, gives a small amount of interest, then releases a large amount of loans, charges high interest, and earns the difference from it.
If a bank does not issue loans and does not do intermediary business, it will not generate profits and will not be able to maintain it.
In 1998, credit cards were not yet popular, and UnionPay, which was responsible for cross-bank consumption and transfers, had not been established. In addition, there were few home buyers, so corporate loans became the main business of major banks.
Therefore, if a company is doing a good job of loans, the name is "long".
Of course, in order to release more loans, it is equally important to attract deposits. Sometimes it is more tragic than a company's projects...
Therefore, even if the groups representing the three bank loan business understand Gu Anmin's ideas, they still look at each other dislike each other.
At this time, the two old accountants sent 500,000 yuan in cash.
Gu Anmin coughed, "Dear leaders, I am responsible for repaying Gu Jianjun's loan. The money is here, enough to deal with the family. Whoever is willing to cancel the account can get the money and leave now."
Everyone in the bank: "..."
"Okay, since everyone is willing to help Gu Jianjun extend the repayment period, as his son, I have to show some sincerity."
Gu Anmin signaled the old accountant to carry away 500,000 yuan in cash and put more than a dozen pieces of materials on the square table. "In the past half month, Daze has developed rapidly. Considering the legality of its business, I plan to form several companies, such as,
Anmin Building Materials Sales Company,
Anmin Labor Dispatch Company,
Anmin Slag and Transport Company,
Anmin Construction Engineering Company,
Anmin Breeding Technology Service Company.
Because I am tight on the money and the company is not big, I only need to invest 100,000 yuan each, so I plan to...
Leave the future capital transactions of sales companies to ICBC and have an unsecured loan of 100,000 yuan."
Director Qian of ICBC Loan Assessment applied for business authority on the spot. At the end, he hung up the phone: "A small matter!"
"happy!"
Gu Anmin nodded, "Then, hand over the future capital transactions of construction engineering enterprises to CCB, and an unsecured loan of 300,000 yuan."
President Lu of CCB: "It's not a matter!"
"Well, thank you, the leader! Then, hand over the future financial transactions of agricultural planting and breeding enterprises to the Agricultural Bank of China, and an unsecured loan of 200,000 yuan."
Manager Dai from Agricultural Bank of China: "It's a must!"
"Okay, let's have a meal!"
"Wait!" President Lu of China Construction Bank stood up to stop him.
"What's wrong with the leader?"
“Where is a big project?”
"You have to give me time. How much can I evaluate based on my current Daze alone? Everyone help me get started first. I will accumulate capital quickly. By then, what is a loan of two million yuan?"
Gu Anmin showed off the Daze planning map and pointed to the breeding industrial park, alkaline water purification project, training school, new brick kiln, and retro building demonstration zone. "If all of them are improved, how much can you borrow? More than 10 million, right?"
"hiss……"
"And, October is about to enter, and I believe that the leaders will complete this year's loan task. Think about it, in January of the next year, I suddenly lost 10 million loan demand. Isn't this a good start?"
"this……"
Three bank executives were instantly attracted.
"Okay, after the matter is over, we will start the meal. We will not leave tonight, and we will not return without getting drunk!"
A large loan is right in front of you. What should I do if my competitors stay?
The three bank executives looked at each other, their eyes full of murderous aura: I'll kill you!
…………
The next morning.
The three banks' loan teams left Osawa at the same time.
Zhang Wei admired his factory manager very much. He got a loan of 500,000 without mortgage anything!
However, he was also worried: "Manager, will we really have to borrow 10 million next year?"
After sending the bank away, Gu Anmin didn't rest. He sat in the computer room and drew a general plan of Daze Planning. He smiled slightly when he heard this, "The best way to solve the loan is to borrow more, 10 million? By next year, it may become 20 million."
“???”
"But as the saying goes, you need to be strong yourself. If you don't have anything, you have no limits to empty talk, who will win? So, what should I do, continue to do it, carry out the tofu to the end, build a school gate, expand the toilet, expand the dormitory..."
Zhang Wei: "…"
"By the way, go back to the city to apply for a loan and help me buy genuine Photoshop, CAD and 3Dmax. Remember, if you want genuine, we are enterprises, not individuals. In the future, we use renderings to promote or bid, and if the other party sues the court, it will be useless to have you, a top student."
"know."
"Take an extra 50,000 yuan."
“Is that expensive?”
“It may be more expensive.”
“…”
“It’s no harm to bring more money.”
Gu Anmin doesn’t remember this time period, the professional or enterprise version of Photoshop, CAD, and 3Dmax, whether it is about the year-on-year purchase or the condom sale, but no matter which one, it will definitely not be cheap.
"In addition, if you get the loan, go to register the company immediately. After completing the processing, you will use the registered capital to purchase two four-wheelers, two mixers, and a 350KW diesel generator set that the old accountant has contacted..."
"Good factory manager."
"The new batch of apprentices have started their studies and will soon enter the internship post. They will customize for 200 more... No, 500 sets of work clothes, safety helmets, suitcases, and ask about the price of labor protection shoes. If it is cheap, order 500 sets."
"Those who learn breeding techniques are the same as we wear?"
"I almost forgot that agricultural technology, just wear light blue and use the same style."
"OK."
"Come on, Zhang Wei, I will teach you how to draw."
"Cartain Director Xie."
"I'll leave this kind of work to you in the future."
“…”
noon.
Five new companies are about to be added to Shiliying, which makes the township leaders feel happy and feel that they have not been in vain during this period.
The company recruits all graduated apprentices, which makes the training schools famous and will continue to grow bigger and stronger in the future...
Therefore, the two township leaders carried two bottles of aged wine and went to the brick factory to have a free meal.
Mainly, the chicken stewed with mushrooms is really delicious.
However.
Before the meal started, Sun Xing's nose and face were swollen, as if he was snatched out of a pig's nest. He waved a broken branch and rushed into the brick factory, "Gu Anmin, I've tried it for you!!!"
Gu Anmin picked up the big bowl of chicken, turned around and ran away, "Don't come over!"
"What are you doing?" The leader roared, "Sun Xing, calm down, first... take a few steps back."
"Leader, Gu Anmin sent Zhang Hai to occupy my cement factory." Sun Xing threw away the broken branches and rushed directly, "Leader, you have to make the decision for me!"
"You go find the King's Office!"
"The police station has been exposed, it can't be found!"
“…”
The leader instantly remembered that the police station moved to the old Gu family.
Logically speaking, it should be easy to find just across the street.
But there was a row of publicity columns in front of the old Gu family's yard. Not to mention how many days they left home, even the people who had lived in Shiliying for a long time would not be able to find the temporary police station for a while...
No wonder I was beaten so badly.
Chapter completed!