Volume 1: Entrepreneurship Chapter 157: Asking the bank for a quota loan to buy a car

Style: Girl Author: Lohas ComicsWords: 3152Update Time: 24/01/18 12:32:04
"A car? Can we buy one?"

"It's OK to buy a Lada or a Jeep or something like that. It doesn't seem possible to buy a Santana. They say they need to get quota approval from the city."

"Have you ever ridden in a Lada or Jeep? I've ridden in a Santana a few times. I've ridden in the Santana when we were talking about suppliers in Wenzhou and when we went to Nanjing to attend a trade fair. Listening to what you said, we really need one, for picking up and dropping off people, etc., just I really don’t know what indicators are required when buying a car.”

"Well, it's not all cars. This car is in short supply. I heard that the city won't approve it if it's not of a high quality. Even if you have money, you can't buy it."

"Oh, it turns out it's so tight. Let's study it when Mr. Li comes back." Yang Liufang and Zhang Feng chatted all the way to the furniture factory.

The two woke up early the next morning and went out to wash up. They found that the sky was gray and gloomy. They had just finished washing up at the row of pools built next to the cafeteria, and when they walked to the dormitory, they noticed snowflakes falling in the sky. Yang Liufang looked up and saw that those snowflakes were like little elves, jumping and dancing, bringing purity and beauty to the world. When Yang Liufang walked into the dormitory, he didn't feel so good. The new dormitory was smelling just after being painted, so he is still living in the small reception room at the entrance of the warehouse of the old factory. It's snowing. It will be very uncomfortable tonight without the kang. cold.

After putting down the toiletries and going to the canteen to eat, he saw through the window that villagers were carrying buckets donated by Yang Liufang and others to fetch water. They had to store enough water for several days before the heavy snow closed the road. There was also Secretary Shitou in the crowd. He was worried that it would be inconvenient for his mother-in-law and Gawa to fetch water at home. He probably rushed back last night after reading the weather forecast. He also saw Yang Liufang through the window, so he took the initiative to walk into the cafeteria, went to the window to get a soup, and ordered two fried dough sticks to eat at the same table with Yang Liufang and Zhang Feng.

"Aren't you holding a National People's Congress election meeting? When did you come back?"

"Brother Shitou, Zhang Feng sent me back last night. If you don't come back, I have to look for you. Can you arrange for someone to build a kang for me in the new dormitory first? There is no kang in the reception room. If it snows, I will sleep at night. It could freeze me to death."

"Oh, Shi Fang said, didn't the new dormitory need to be heated? The same goes for the tannery."

Only then did Yang Liufang remember that since the factory was managed by Shi Fang, he rarely bothered with these little things. I looked up and saw that there was no Shi Fang among the workers eating in the canteen. Now they have breakfast in the cafeteria. In addition to factory workers, people from the village can also come to eat, but they have to pay. Workers also have to pay, but they receive a monthly meal subsidy. In order to save money, some people in the village will still eat at home before coming to work.

"I'll ask him later, or Brother Shitou, you can go directly to him if it's convenient. Please do it as soon as possible."

Just when he was about to return to the city, the phone rang. Yang Liufang picked it up and heard that it was Li Tongfu. Li Tongfu told him that the lathe had been selected. Originally, there were two options to choose from, one was a state-owned enterprise and the other was a collective enterprise, but the state-owned enterprise had to wait two months, and they had already paid the deposit. After inspection, Wang Shan said that the collective enterprise could produce it in one month, and could also provide engineers to install it. The post-service service was good, and maintenance was guaranteed. They broke the contract and chose the collective enterprise.

"If you break the contract, will the deposit be refunded to you?"

"The refund is five thousand less, but the equipment of the collective enterprise is ten thousand cheaper."

"Oh, brother, please pay attention to the quality. The quality must be guaranteed. Then should you wait for the product to be shipped or come back in advance?"

"I'll go back first. Winter is about to come. It's time to collect a lot of skins."

"Then let Shi Yong come back too. There are thousands of Simmons beds, more than 2,000 sets of office furniture, and the management of the factory. Shi Fang can't handle it alone."

When the rain and snow started to fall, Li Tongfu came back with Shi Yong. Shi Yong bought a high-end electronic watch for his master and Shi Fang respectively. Li Tongfu bought a long down jacket for Yang Liufang, who immediately wore it. I tried it on and soon felt warm and sweaty. In addition to purchasing equipment on this trip to Guangzhou, Li Tongfu also took Shi Yong to see the furniture market in Guangzhou. The large boss desk with a side table and the boss chair as wide as a sofa. These modern furniture left a lasting impression on Shi Yong. He was so impressed that he explained it to Master while looking at the photos.

"Master, there is a place for a computer keyboard under this table."

"What is a computer?"

"It's like a TV set with a square case underneath. When powered on, you can write."

"Oh, a typewriter." Yang Liufang had seen printers in advertising agencies and printing factories, and that's how their business cards and albums were made.

"No, it's said to be a very advanced thing."

"I've never seen it before, but no matter what, you can make one according to this first and put it in the office furniture exhibition area of ​​our supply and marketing cooperative. I think some large companies such as Northwest Chemical and Xizhou Steel will use it."

"By the way, brother, the credit director of ICBC approached me several times after you left, but I rejected him all the time. I met their vice president again at the municipal people's representative election meeting some time ago. He was recommended by Secretary Lu. , we had a meal together after the meeting."

"What are they going to do?"

"Give us a loan."

"What kind of loan? We are not short of money, and he won't lend to us when we are short of money."

"I think so too, but Secretary Lu suggested that the bank has a mission and asks us to build a good relationship with them."

"It seems that we can't even get a loan."

"But what are we doing with the loan? All our money is sitting in Industrial Bank's account."

"I remembered, let them pay for the lathes. The lathes for the tannery and furniture factories total 210,000. Let's loan these. It not only gives Secretary Lu face, but also helps the bank complete its task."

"Okay, you're back. You and Yanhua have worked hard these days to get it done."

The two then discussed buying a car. Yang Liufang said that the Santana model they rode in Jiesheng was good, and it was the same one they took when they went to the Shanghai exhibition.

"Well, when we went to a reception in Guangzhou, it was also a black Santana. It was said to be the new 2000 model. It seems that we do need such a car."

"How much."

"I haven't asked about this, so I don't know."

"But why did I hear Zhang Feng say that if I buy this thing, I need the city to approve the quota?"

"Let me understand. If this is not possible, let President Li of the supply and marketing cooperative come up with a solution."

The review of the loan materials was relatively strict, and the results were not given until the beginning of December. They just said that the loan could only pay for one equipment. The other one was a collective enterprise. After investigation, it was found that the triangular debt was very serious. Therefore, the bank's risk control believed that this enterprise was risky, so it also suggested that Yang Liufang and the others find another enterprise to buy equipment. But by this time, the lathe had been customized, and engineers had already arrived at the factory to lay circuits and tracks. In addition, Yang Liufang had also experienced the distrust of banks, and because of his sympathy for the same problem, he didn't think too much about it, and instead felt a little dissatisfied with the bank. He was sulking when Li Tongfu called.

"The price of Santana in Xizhou is about 210,000. I asked President Li about the quotation. He said that the quotation can be solved, but it must be in the name of a supply and marketing cooperative, so the car can only be sold in the hardware store."

"How can this be done? The sales department is not an independent legal person. It is just rented and operated by us. If there are any policy changes, neither the car nor the sales department will be ours. Then we will lose both manpower and money."

"Brother, I have an idea, do you think it will work?"

"Brother, what do you think? Tell me."

"Let the bank set the quotation for us. The car must be hung at the furniture factory, or you personally. Anyway, he needs us."

"What a good idea, brother. Instead of owning one from the furniture factory, I can just buy two. One is under the factory's name. You can drive it at ordinary times and use it for receptions at work. Buy one under my own name, and I can use it for myself." open."

"Okay, I asked Yanhua to communicate with them, so we almost loaned them 550,000."

"Okay, thank you, brother."

Sure enough, the bank had a way and quickly helped them get the quota, and in full compliance with Yang Liufang's request, they got two Santanas, one under the name of the furniture factory and one under Yang Liufang's personal name. The two cars were even cheaper. Wan Wu, soon the bank asked Yang Liufang to send someone to go to Shanghai to pick up the car with the bank staff. Zhang Feng and Qin Jiajun, two veteran drivers, were naturally the best candidates. After explaining the work of the supply and marketing cooperative, they set off for Shanghai together.

In the late 1980s, my country's highways were just in their infancy, and most of the road sections were national highways. In addition, new cars were in the running-in period. From Shanghai to Xizhou, a distance of more than 3,000 kilometers, the two of them were basically within 80 miles of each other along the way. Travel at speed. By the time the two cars arrived in Xizhou, it was already mid-December. Then it took another two weeks to select the numbers and place the cards. After the registration was completed, the bank took away the big green copy of the "Motor Vehicle Registration Certificate". Since Yang Liufang had a relationship with the bank, a set of procedures was followed, and the New Year has arrived.

The New Year's Day dinner in 1990 was held in two parts. The workers of the furniture factory held the dinner in the canteen of the furniture factory. The supply and marketing cooperative only asked Li Tongfu and Qin Jiajun to come back to participate. One of them was the legal person and vice president of the factory, and the other was the captain of the transportation team. In this way, fifty or sixty workers and their families, including Secretary Shitou and other guests, still ate on the flowing table. The dinner was held in the canteen of the furniture factory at noon. Two brand-new black Santanas were parked domineeringly at the entrance of the factory. The workers, dressed in new clothes, took photos with their families in front of the cars. In order to avoid bumping into the children, Secretary Shitou specially arranged for young people in the village to serve as security guards. Before the banquet started, Yang Liufang looked back on the past and looked forward to the future, and everyone toasted to each other.

During the dinner, Secretary Shi Shi and his elder brother Li Tongfu sat on either side of Yang Liufang. Secretary Shi Shi whispered to Yang Liufang quietly: "Brother, the 30 households in the village that were occupied by land have all received their compensation back, and some have not received it at all. .”

"Ah, why is that? Not enough supplements?"

"No, no, it's 400 more than the experimental field. It's just that they heard that those who participated in the factory fund-raising, each family received more than 5,000 this year, so they don't want compensation and want to arrange for one person from each household to join the factory."

"Ah, this is more troublesome. Brother Shitou, let's have a meeting to discuss it tomorrow and the day after tomorrow. Let's have a drink and a meal first."

Yang Liufang didn't agree or refuse, because he really didn't know how to arrange the 30 people, and where to arrange them? Currently, Shi Fang is responsible for the production of the furniture factory, and Shi Yong is responsible for new product development and technology, including external liaison. He doesn't know how to set up the positions. There are also villagers who have used their own land to contribute to the factory. Also, although he has the final say on the factory, he still has to discuss it with his elder brother, and he also has to ask the villagers who have raised funds to participate in the project.