Chapter 121 The bank has no good stuff

Style: Romance Author: Nancheng LaojiuWords: 3276Update Time: 24/01/22 11:40:53
A penny can stump a hero, let alone a gap of more than one million. No matter how capable you are, it is common sense that you can't get things done without money.

Lao Ma, who had long been confident, looked at Yao Yuan and scratched his head, then sat there and drank tea quietly.

For a moment, Yao Yuan was a little discouraged and felt that his life was too frustrating. Why did he start to worry about money again here?

I didn’t want to do anything big, I just wanted to make a little money with my crafts and make my life a little more nutritious. Why did I end up with so many worries for nothing?

"Why don't we wait for a while first and wait until after New Year's Day and Spring Festival? These two months are the peak sales season. Why can several of our stores sell 1.8 million worth of goods? Then we will have more money. Come on." Seeing that Lao Ma was unwilling to come up with an idea, Yao Yuan came up with his own plan first.

The New Year is only about ten days away, and the peak sales season is here. Nowadays, people have some money in their pockets, and almost all of it is spent on food. Life was too hard in the past few years, but now that they can afford meat, they will definitely be able to Build vigorously.

The big fish and meat cooked by the housewives at home are not as delicious as those made by a group of professional chefs from Hongqi Company. So now Hongqi Braised Pork Shop can be said to be open and popular, and the sales are booming. I want to make it up to 180 yuan. It's really not difficult to get 100,000 in cash, but it just takes time.

The heating is turned on in winter, and the office temperature in the Xiaobai Building is quite high. If the heating is sufficient, it is easy to get angry. Lao Ma is very good at taking care of himself. He drinks aged Pu'er with some old tangerine peel, which can moisten the lungs and relieve coughs. Drink this tea. Yao Yuan also taught him the method, and even these old tangerine peels were brought over by Yao Yuan, and he told him that in a few years, these tangerine peels in his hands could be exchanged for a house.

All difficulties are nothing, time can solve all problems!

Yao Yuan slowly calmed down and had some clarity in his mind. Why should he be so anxious to expand production? Just let life take its course and do things when you have enough money. There is nothing better than taking it easy.

Lao Ma took a sip of tea, feeling the sweetness flowing down his throat. He saw Yao Yuan in front of him also began to sit across from him, slowly sipping the tea, and then added another stimulus: "If you wait, Qi Baohua Work has to be stopped over there, don’t you know that the installation of mechanical and electrical equipment must be done at the same time as the interior decoration?”

"Just wait. It's no big deal. The workers at Hongqi Construction have been busy for a year. The end of the year is a good time for people to take a break and celebrate the New Year. Don't think about making money all day long. People on the street We have plenty of money, can we finish all that stuff?" Yao Yuan, who had thought about it, had a look of laziness on his face, and started to lose his composure again.

"Then we have to stop opening the store. The shabby yard you rented is already so crowded that we can no longer stand. If we continue to open a store, the output will not be able to keep up." Lao Ma pointed out another fact.

Depend on!

Yao Yuan did not expect this. Now is the beginning of the peak season. Dang Jianguo’s plan is to open four more stores before the Spring Festival, and the recruited personnel have passed the assessment. It can be said that everything is waiting for the new central kitchen. Only after opening can we proceed.

Lao Ma took out the minutes of the last meeting and pointed at several key dates on it: "It takes at least twenty days from ordering to installation of the equipment. That means if you order now, it will be installed after New Year's Day. After a few days, Debugging should be put into use in mid-January, and the Spring Festival is February 5th, so we should be able to catch up. If it is suspended, everything will have to be rolled back, including the contracts for several rental stores will have to be re-signed, so that the central government The start of kitchen operations will have to be moved to around mid-March.”

Yao Yuan sighed: "What? Mr. Ma, do you have any other ideas?"

Lao Ma said leisurely: "I've seen a lot of people who run businesses. When people encounter difficulties, they always try to find ways to solve them. It's better for you to just go around when you encounter difficulties."

"I'm not going around in circles. I'm taking a step back now to save up enough food and grass so that I can stride forward in the future!" Yao Yuan defended himself for a few words, and then suddenly felt that there was something in Lao Ma's words.

"No, Mr. Ma, the company's difficulties are everyone's. You are the person in charge of finance. It is your responsibility to solve the financial problem. You must have something to do. Just don't laugh at me, okay?"

Lao Ma chuckled: "I'm a good accountant, but I can't make money for you, but I have a few ideas for your reference. Generally, when enterprises encounter development bottlenecks, they are short of funds, and their own families have no money. To put it bluntly, borrowing money is not shabby for a company. You can borrow money from relatives, friends, or business partners, and it is not impossible to borrow money from banks. "

Yao Yuan cursed in his heart: "The old guy is waiting for me here. He must have a way but he still refuses to tell me. He just wants to take advantage of me."

Lao Ma ignored Yao Yuan's little thoughts and continued his analysis: "If you want to borrow money, you must have collateral. Fixed assets are more recognized by banks. Another way is to sell shares to raise funds, or even You can find an electromechanical equipment company to discuss installment payments. As long as you pay a certain amount of interest, the problem of funds is not a problem at all. There are ways to solve it, but what is your attitude? Enterprise development must follow the trend. Now Hongqi Company's development momentum is on the rise. All employees are holding back their energy and waiting anxiously for the new central kitchen to start operating. If we wait until March, we will lose more than just one peak season sales, right?"

Yao Yuan understood what this old horse was talking about.

He has always been paranoid about craftsmanship and product quality, just to seize market heights.

Braised pork is such a low-tech job, it is easy for others to learn it, and besides, they make their entire production process public, which is tantamount to cultivating potential competitors for themselves.

Once someone is interested in replicating Hongqi's model and starts competing with themselves, and loses the market opportunity, it is difficult to say what the final development prospects will be. At the very least, it will be impossible for you to maintain high profit margins.

Therefore, in a certain sense, time is the most important to Hongqi Company and can even determine life or death.

Even Dang Jianguo, Gao Yang, Li Tie, and even Mancheng, who have never done business, have understood this deeply. Now Mancheng can no longer find anyone. He drives a broken second-hand Daihatsu van and drives around every day. He ran to the village, just to build his own foundation early so that the competitors who were about to appear would never be able to catch up.

Therefore, Yao Yuan's Buddhist attitude at this time is a bit inappropriate.

However, Yao Yuan's reaction was beyond Lao Ma's expectation. He was completely indifferent when he heard the words bank loan: "I don't know that the sooner the central kitchen can be opened, the better. I have so many flagship products. I’m just waiting for this kitchen to start mass production and make a lot of money!”

Lao Ma was so angry that he almost slammed the table: "Then you get a loan!"

Unexpectedly, Yao Yuan twisted his neck: "No loan!"

Then he felt that his attitude was a bit too much, so he quickly explained: "Mr. Ma, don't be angry. You don't know that those guys in the bank are capitalists who eat people but don't spit out their bones. They don't have any good stuff!"

Done!

As soon as these words came out, Lao Ma was completely mad. He finally slapped his hand on the table, making the tea cup jump: "What did you say? How dare you say it again?!"

Yao Yuan had dealt with banks before, but that was in his previous life. He had used several credit cards when his work was slow, and then he was hooked and became what others call a card slave. Once the bills were due and the bills were not paid, he watched. The interest that was deducted every month made me bleed with pain, and I hated the bank from then on.

As soon as I heard the word "loan", I started to feel disgusted in my heart. I forgot about the identity of Lao Ma sitting opposite and blurted out a bunch of rubbish.

Hearing Lao Ma slam the table, Yao Yuan came to his senses and apologized hurriedly.

"But Mr. Ma, if it's not for that, I really don't want to use the money from the bank. It's not that I feel bad about the interest, but we just started this company to make some money for everyone to live a good life. We haven't earned any money now. , what's the point of owing someone a sum first?" After apologizing, you still have to explain.

Yao Yuan's reasons for not lending money almost made Lao Ma laugh again: "Okay, okay, you are as radical as a two-hundred-and-fifty kid, why have you become conservative today? This is more conservative than the landlords and wealthy people in the old society. Anyway, You have the final say on the company's affairs, I will teach you my ideas, and I will listen to you on what to do in the end."

"Mr. Ma, Mr. Ma, please don't be angry. Give me a day and I can weigh it up, okay?" Yao Yuan directly used the word "drag" again, which made Lao Ma completely lose his temper.

Yao Yuan went downstairs depressedly. There were two other people from his hometown waiting for him to go back to make dumplings.

You can't eat dumplings at home without side dishes. Something was on his mind, so Yao Yuan was too lazy to go home and make anything complicated, so he just bought some braised vegetables from the counter on the first floor and made a fool of himself.

Seeing the little shopkeeper walking to the counter, the store manager Sister Wang personally greeted him. Yao Yuan ordered some smoked liver, braised chicken, and chicken sauce tofu skin. Sister Wang quickly wrapped them one by one with straw paper, and then wrapped them with sesame seeds. The string was tied into a bunch of beautiful packets and handed out across the counter.

At this moment, a rag-collecting tricycle stopped at the door with a squeak. The rag-collecting rag king shouted to Sister Wang at the top of his lungs: "Sister, how many cardboard boxes are there today?"

Sister Wang looked at her little boss hesitantly, then hurried to the door and whispered a few words to the Broken King. Then the Broken King looked at Yao Yuan doubtfully, got up and pedaled away on his tricycle.

Yao Yuan understood a little bit and asked Sister Wang directly: "Why, are all the packing boxes sold to this junk collector?"

Sister Wang's face was slightly red, as if she had been caught doing something wrong: "Yes, the packaging boxes are disposable and cannot be reused, so we will save them and sell them to the rag collector for some change, but this money can be It’s not like I put it in someone’s pocket, and when I save enough, I buy some snacks, or washing powder, etc. and distribute it to everyone.”

Yao Yuan nodded: "Oh, that's good. If you save a lot, you can have a dinner together or something. Is this the case in every store?"

Sister Wang answered honestly: "Yes, the party manager and they all know about this."

Saving rags, selling rags, and collecting enough money for the whole kitchen brothers to have a good time. This is not new in the kitchen, everyone does it. No boss is so open-minded and wants to interfere with these things.

Yao Yuan smiled and nodded to Sister Wang to express his understanding, then he carried the oil paper bag and walked home unsteadily.

The lack of money kept lingering in my mind, and I felt a little distracted when walking. When I reached the corner of the street, I almost loaded onto a tricycle parked on the sidewalk.

When I looked up, I saw the same rag king from before, packing up a folding table he had just received.

Meeting the rag collector again, Yao Yuan suddenly had an idea in his mind and had some new ideas.