When Yuan Xuedong left, he spent all the money in the account, all kinds of bonuses and subsidies, and it only took one day to suddenly spend all the only few thousand yuan in the account, leaving only a ten-digit fraction for Duan Yun.

Yuan Xuedong did enough with this hand, the leader had no money, and he didn't make a sound, he made it clear that he wanted to embarrass Duan Yun.

Except for a poor and white mess left for Duan Yun, all that was left was a few hundred mouths waiting to eat.

If Duan Yun went to the factory to ask for money now, it would probably not be easy, after all, the discussion between Duan Yun and Qin Gang did not include the provision of funds by the main factory, and if Duan Yun went to the main factory to ask for money now, he would definitely be sneered.

At first, Duan Yun initially thought about using the funds he had on hand to maintain the operation of the factory, and then withdraw his money from the account after the factory made money.

However, this kind of thinking is obviously not considered, Duan Yun is rich, but if he sticks the factory upside down like this, it will be suspected, and the factory has a perfect financial system, Duan Yun is very risky to do this, and if he doesn't make his money, it will become public.

Therefore, the only way in front of Duan Yun now is to borrow money from the bank, and it is completely feasible for state-owned enterprises to borrow money from the bank.

After thinking about it for a while, Duan Yun found the head of the company's finance department who was working, then went to his office to get the official seal and other things, drove away from the factory, and went to the bank located in the city.

In 1983, there were not so many banks in China, ICBC was established in 1984, but there were Agricultural Bank of China and China Construction Bank. Duan Yun drove directly to a construction bank located in the city.

The banks of this year are very different from the banks of later generations, the counters are wooden structures, high, the counter security is iron fences, and the customer area is narrow, that is, just an aisle. On each teller's table are wooden boxes, stamps, vouchers, account books, and an ancient abacus, as well as an interest calculator that doubles as a ticket counter.

Duan Yun led the chief of finance to a window, and after explaining his intention to the bank staff, the other party took out a form for Duan Yun to fill in first.

Duan Yun plans to borrow 200,000 yuan in loans this time, which should be enough for the operating expenses of the large collective for half a year.

In these years, there is little difference between enterprises going to the bank to apply for loans and later generations, that is, after filling out a loan application form, the bank will appoint a loan officer to investigate the applicant.

The content of the investigation is to check the business license, business situation, and other relevant certificates of the enterprise.

The loan clerk in charge of receiving Duan Yun invited Duan Yun to a reception room next to the bank and began to check the business license, work permit, and other supporting materials and official seals brought by Duan Yun and the head of the finance section.

The loan clerk sent by the bank looked to be in his early thirties, wearing a gray tunic, a pair of black-rimmed glasses, and a polite appearance.

The loan officer carefully checked all the information and proofs brought by Duan Yun, and asked Duan Yun from time to time, and Duan Yun answered them one by one.

"There are no problems with the business license and official seal formalities. After checking the last material, the loan officer raised his head and smiled at Duan Yun, and said: "Director Duan, about your application for a loan of 200,000 yuan, I will write an opinion to our president when I go back, and after he approves it, we can give you a loan to the factory, and it is estimated that it will take a day or two to wait, so if you need to come again the day after tomorrow." ”

"No problem, I'll be here the morning after tomorrow. Duan Yun nodded and said.

This time the loan to the bank went so smoothly, which was somewhat unexpected by Duan Yun, which also made his heart suddenly relaxed.

"Manager Duan. Seeing that Duan Yun was about to leave after packing up his official seal and license, the loan clerk suddenly called out to him.

"Is there anything else?" Duan Yun asked, turning his head.

"Can you borrow a step to speak?" the loan clerk said to Duan Yun.

"Lao He, you go out first. Duan Yun said to the chief of the finance section.

Hearing this, the chief of the finance section turned around and walked out of the reception room.

"Say it. Duan Yun took out a cigarette and handed it to the loan officer.

"No smoking, thank you. The loan officer smiled slightly and refused the cigarettes handed by Duan Yun, and said: "That's right, Manager Duan, in addition to lending to enterprises, our bank now also has personal loan business, if Manager Duan is interested, you can apply for it......"

"Personal loan business?" Duan Yun was stunned when he heard this, it was the first time he saw that a bank would take the initiative to give a private loan, and then asked suspiciously: "This ...... Are there any conditions and requirements?"

"There are no requirements, you just need to pick up a loan application form from us, fill it out and give it to me, and the loan will be disbursed soon. Said the bespectacled loan officer.

"It's as simple as that?"

"Hmm. The glasses loan officer nodded and said, "The maximum limit for personal loans is 80,000 yuan, and if there is real estate or other things as collateral, the limit can be increased to 120,000 ......."

"Give me a loan of 80,000 yuan first!" Duan Yun made a decision almost without thinking.

In Duan Yun's memory of his previous life, the bank was absolutely superior, and if a private person wanted to apply for a loan from a bank, it would be very difficult if there was no way, even if there was a mortgage.

But what Duan Yun didn't expect was that the national income level was so low in these years, and the bank would take the initiative to give private loans, and the maximum limit was as much as 80,000, which was still an interest-free and indefinite loan, which was unimaginable to Duan Yun.

In fact, what Duan Yun didn't know was that since the second half of 1982, in order to solve inflation and encourage the development of individual business, the state has issued 17.6 billion yuan of interest-free and indefinite loans.

At that time, bank loan officers in some places also knocked on the door of the people door-to-door to ask the people to take loans, but even so, the people who borrowed money were very few, so that the 17.6 billion loans were only loaned out of more than 4 billion yuan, and the remaining more than 13 billion yuan were recovered by the state, which was almost unimaginable in later generations.

The reason for this is that people's thinking is still too conservative in these years, mainly because they are afraid that they will not be able to repay the money, and their fathers and sons will repay their debts, and their children and grandchildren will bear legal responsibility if they do not pay back.

In fact, this loan from the state has made many people rich, creating a large number of 10,000 yuan households and wealthy people.

Opportunities are always reserved for people with courage and courage, and if they are not grasped, they will often be fleeting.

And this kind of loan is like pie in the sky for Duan Yun.

In fact, Duan Yun's net worth is already over 100,000, but if he wants to set up a factory in the future, he needs more funds, and with this loan, he doesn't have to worry about being suspected if he has a huge amount of savings......

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