Send Aunt Wang back to the neighborhood committee and return the bicycle.
Zhang Junping walked to the Agricultural Bank of China’s business department in Wangfujing.
Two hundred and fifty thousand, in this era, is definitely a huge sum of money. Even if the master can get it, how can he have the nerve to ask the master to borrow money?
After much deliberation, the only option was to go to the bank for a loan.
They say it was easy to get a loan in the 1980s, so let’s try it.
If that doesn't work, I'll find a foreigner and sell the Penny Black.
However, if you sell it in China, it will be cheap for foreigners, and you won’t be able to sell it at a high price.
…
In the banks of the 1980s, there were no iron fences or bulletproof glass, only a very high counter. For Zhang Junping, who was 1.8 meters tall, the counter could reach his chest.
The person sitting at the counter is not a beautiful woman, but an old woman wearing navy blue clothes and sleeves.
There are no computers, so all deposits and withdrawals are recorded by paper and pen.
There is no enthusiastic smile, but the work is very serious, every stroke is meticulous.
There were several people queuing up in the bank to deposit or withdraw money. Zhang Junping waited for a while before it was his turn.
"Comrade, I want to apply for a loan, but I don't know how to apply?" Zhang Junping asked politely while lying on the counter.
"Do you want to apply for a loan? From which unit?"
"I haven't joined the workforce yet. I'm a college student at Central America."
"Then your school needs to issue a letter of introduction stating the purpose of the loan...
Well, please wait a moment and I'll ask someone from the credit department to come over and talk!" When the bank aunt heard Zhang Junping talking about applying for a loan, she looked at him seriously. Her attitude was neither good nor bad, and she explained very patiently.
, fearing that Zhang Junping was not clear about it, he contacted the credit department to introduce the application process.
After a while, a middle-aged man in his forties with a straight face strode over.
Zhang Junping himself is over 1.8 meters tall, and northerners have a relatively large frame, so he already belongs to the category of people with big shoulders and round waists.
This uncle, who was also over 1.8 meters tall, was quite muscular and had a serious look on his face. He was so timid that he didn't dare to speak loudly.
Zhang Junping was a little stunned. Is this a staff member of the bank's credit department?
"You are a college student from CAFA and want a loan?" Zhang Junping was startled when the middle-aged uncle opened his mouth and felt his scalp numb.
Who would have thought that such a burly man could have a male duck voice.
Zhang Junping was stunned for a moment, then realized that his behavior just now was a bit rude, and quickly spoke, "Hello, I want to apply for a loan."
"Well! What is the purpose of your loan?"
“My school and I jointly set up an enterprise to provide a service platform for college students to participate in social practice.
The school only provides policy support, and I need to solve everything else by myself."
"You look very young. Are you twenty this year?"
"Twenty years old!"
"Yes, I am just twenty and dare to start my own business. This courage deserves praise.
Can you tell me what your company does specifically? How do you provide services for college students’ social practice?
Don't get me wrong, I'm not inquiring about your privacy. According to relevant national policies, we can still lend you a loan even if you don't tell us.
However, if your purpose is more convincing, the loan amount will be larger and the interest will be lower.”
"The company I run is called Central American Dream Factory. It has three main businesses. One is to use our aesthetic knowledge to design furniture, and then find carpenters to make the furniture for external sales. At present, we have received more than 20 orders, with a total order amount of
More than 20,000.
The second is to do interior design and decoration for customers who come to buy furniture and have decoration needs, which is similar to the whole house customization abroad. One project currently underway is to provide interior decoration for the family building of Dongfeng TV Factory.
The third is to contact families whose children like painting or want their children to learn painting through neighborhood committees to provide extracurricular tutoring or enlightenment education on painting.
In the future, we plan to expand to other universities, and the content of extracurricular tutoring is no longer limited to art, but can also be used for extracurricular tutoring in mathematics, physics, chemistry, and English."
"Your idea is very good. Based on your own advantages, it is good to contribute to the development of the country. Our bank can provide loan support.
It’s just that, from what I’ve heard about you, except for the one that produces furniture, which requires money to buy wood, the others don’t use much money, right?”
Sure enough, a person cannot be judged by his appearance. The middle-aged man looks like a rough guy, but he has a delicate heart. As soon as Zhang Junping finished speaking, he made an accurate judgment.
“When running a business, you must have an office location, right? I just saw a yard in Liulichang and it seemed very suitable.
It just so happens that the owner of the house wants to go abroad and is planning to sell the yard..."
"Are you taking out a loan to buy a yard? Are you going to take out a loan in your personal name or in the name of a company?"
"Is there a difference?"
"There must be, but considering that you are a college student at CAFA, even if there is a difference, it won't be big."
"Personally! I am taking a loan in my own name. How much can I borrow in this situation?"
"Hahaha, it depends on how much you want to borrow." The middle-aged uncle smiled boldly.
However, it is really unpleasant to hear, like a duck quacking.
Zhang Junping resisted the urge to frown and said, "Is it even possible for one million?"
"Uh!" The middle-aged man's laughter stopped abruptly.
"One million. As the director of the credit department of the business office, I don't have the right to approve it. I have to go to the branch to find the president." The middle-aged uncle explained with some embarrassment.
"Then how much money can you approve for me, and how long will it take for the money to come out?"
"I can only lend you a maximum of 300,000 yuan, and I can disburse the money in two days.
No matter how much you borrow, it doesn't mean you can't get it, you just need to go to the branch to find the bank manager for approval. In that case, it will take half a month at the fastest to get the loan."
"Three hundred thousand..." Zhang Junping muttered, but he was secretly happy in his heart. Three hundred thousand was enough to win the yard.
Little did he know that the middle-aged uncle over there was also secretly happy. He was worrying about how to complete the loan task this month, but he didn't expect a customer to fall from the sky.
Still the best customer.
Is there any better customer than college students these days?
"What about interest?"
"You are a college student, and you are engaged in such a positive career. The state has supportive policies, and 300,000 yuan can be interest-free."
After leaving the Agricultural Bank of China, Zhang Junping felt like he was in a dream, which was very unreal.
I didn't even ask for the letter of introduction that the aunt mentioned before. I just used a student ID card and signed a few words to get a loan of 300,000 yuan. It was an interest-free loan with no fixed term.
There is no fixed term, that is, there is no repayment period. You can pay it back whenever you have the money.
He then chatted with Director Ding about the future development of the furniture factory, new furniture, and furniture production automation.
Director Ding enthusiastically agreed to help him apply for a higher loan amount.
If this is a little evil, a few million loans, tens of millions will come out...
Forget it, I don’t want to think about it anymore, I am a good young man of socialism and I am determined not to take advantage of the country.