"Let's go to the tractor factory first, anyway, it won't leave until six o'clock tomorrow morning, and then let Qianshan send you to the county seat, and you can go back and explain to your mother-in-law." Liu Chunlai was not in a hurry to go back.

Since the tractor has been developed, the customer has no money, and this matter has to be solved.

The peasants also had no money.

If you want to take credit, that's not okay.

Liu Chunlai actually has an idea in his heart, and it is not clear whether it is feasible or not, so he has to look at the specific situation of the machinery factory first.

"Captain, you're here. ”

As soon as Liu Chunlai arrived at the machinery factory, the leaders of the machinery factory who got the call from the doorman came out of various offices, with the same expressions as the oppressed poor middle peasants looking forward to the Red Army.

His face was full of joy and excitement.

"The performance of the tractor has been stabilized, we have tested, pulling seven tons of stone and steel climbing is no problem......," Yue Ping, the chief of the technical section, hurriedly gathered the results so far, "Liu Zhishu said that ten units can be produced first, but there is no order ...... at present."

Father and son, they didn't dare to offend.

Liu Zhishu is Captain Liu's father, and Captain Liu is the actual speaker.

The captain has to be in charge of the branch secretary, and the son has to be in the hands of his father......

"Delivered?" asked Liu Chunlai with a frown.

The old man didn't tell himself about it.

If the old man is still like this, he has to intervene in everything, and there will not be too much of a problem at present, and when he grows in the future, it will be a big deal when some big projects are related to the next few years or even longer.

"Not yet. We can't figure out the specific meaning of Liu Zhishu, you also said before, in the case of no order, don't rush to produce first. Chen Yuhe hurriedly explained.

Liu Fuwang said that ten tractors could be produced first.

The problem is that if there is no order, the cost will have to be borne by their leaders.

Since Liu Chunlai contracted Tianfu Machinery Factory, the responsibility system of the factory director has been fully implemented.

The power of the factory director is greater than before the contract, and Liu Chunlai only looks at the results.

While the power is great, the responsibility is far greater than the original.

After all, Liu Chunlai is the actual top person in charge.

"Now all the people are idle...... In the past, a lot of agricultural machinery and equipment were sold through agricultural technology stations, and each brigade or commune owed it first, and when the grain was harvested, it was evenly divided...... "Zhao Guoliang, as the head of the sales section, was under great pressure.

He still wants to do it that way.

Tractors are large and the average person simply cannot afford them.

Most of them are procured by units such as brigades or communes.

When the state collects grain every year, the county's overall funds are also deducted from the grain.

I'm not worried about not being able to get it back.

It's just that it's a little longer.

You won't lose anything for a long time, after all, there is interest.

"This kind of marketing is not advisable, and the burden on farmers is already heavy. This is not conducive to our development in the future. Liu Chunlai directly vetoed it.

The burden on the peasants in these years is indeed very heavy.

At the end of the year, a large part of the grain produced has to pay national taxes and local co-ordination, etc., and the yield is not high without the use of a large number of chemical fertilizers, pesticides and high-quality seeds.

Even if the production is contracted to the household, many people, the surplus grain, don't think that they can eat dry all year round.

If you eat less porridge, you won't be able to harvest it in the coming year.

Liu Chunlai came to learn about the situation in the countryside.

Naturally, the communes could not be asked to collect more from the peasants in order to sell them.

"No, let alone the communes or brigades below, even the county treasury can't come up with money. There are not many places to hand over and retain every year, but there are many places in the county that need to spend money......" Zhao Guoliang was a little worried.

If not, how can you sell it?

From the very beginning, Liu Chunlai asked for production according to the order and did not accept credit, and they knew that it would be difficult to carry out the work.

When I faced it, I realized how difficult it was.

"Manager Liu, now that the production is delivered to the households, many farmers have a certain amount of savings in hand, but there are few people in the county. A tractor is thousands of ...... If you want to buy and have money, there are even less......" Ma Yumin also frowned.

If Tianfu Machinery Factory had not contracted to Liu Chunlai, it would not have faced such a problem at all.

The market has demand, they have the product.

Because the people who bought the tractors couldn't provide the funds, they couldn't produce them.

"That's really the problem. Now no one has much money, but those who want to buy a tractor can take out a loan from the credit union. As long as the county finance bureau agrees or the rural credit cooperatives agree......"

Liu Chunlai said with a smile.

At present, there are not many banks in the county, but credit union cooperatives are the most common financial institutions.

From the very beginning, Liu Chunlai was planning this.

Promote consumer loans in the county in advance.

In this way, it is also of great benefit to the development of the county.

Credit unions also offer loans, which can be very high.

Once the county government has the money, it will be easier to do other things.

You can't count on everything from the little grain that the peasants collect from the fields.

"Isn't this passing on the cost to the peasants? It's no different from having them pay the money directly. After listening to Liu Chunlai's explanation, Chen Yuhe really couldn't understand what Liu Chunlai said now was different from what he said before.

A commune borrowed money to buy a tractor from their factory, and these costs had to be passed on to the peasants, and they were the ones who were scolded in the end.

"Yes, Manager Liu, there is no difference. Ma Yumin also couldn't figure it out, "And because the interest rate of the credit union loan is higher, the farmers need to share more ......."

"That's different. Liu Chunlai shook his head, in the early eighties, consumer loans were a completely new thing, "although it seems that the cost will be much higher." But tractors can run transportation and make money. Moreover, the credit union first helps pay for the purchase of the tractor, and the tractor is mortgaged to the credit union, and then the person who buys the tractor can pay a sum of money first......"

It looks simple, but it's complicated to say.

Especially in the face of most people who don't understand this at all.

For people in this era, the loan has to be approved by the leader, and then the cooperative will directly allocate the money when it has money.

Rural credit cooperatives belong to the state, but cooperatives belong to the local government's money bag.

Although it is a farmers' cooperative, after the peasants sell their grain every year, almost all the money left over after deducting various expenses is deposited in it, and it is almost impossible to get cash.

In various places, money is generally misappropriated by local governments.

"Do you dare to change the time?"

Regarding Liu Chunlai's arrival, Lu Hongtao really didn't welcome it to the extreme.

At this moment, it is just time for dinner.

Liu Chun came to eat and forget it, this dog said, it was getting more and more excessive, and he actually brought a group of leaders from Tianfu Machinery Factory.

Although the county government canteen said that it was for Liu Chunlai to keep accounts, it can't be like this every time, right?

"County Magistrate Lu, I have an idea about the problems faced by the sales of tractors in Tianfu Machinery Factory......" Liu Chunlai looked disdainful, a county magistrate slammed the door to such an extent, the whole country is estimated to be unable to find a second one.

I didn't bother to argue that I had a bookkeeping book in the canteen, and Lu Hongtao, the county magistrate, specially instructed the canteen to keep accounts for himself.

Hearing Liu Chun talk about the sales of tractors in Tianfu Machinery Factory, Lu Hongtao suddenly stopped talking.

"Let's go, call Secretary Xu together, he is also worried about this matter. Talk while eating, but you still have to keep your account......"

"You are the county magistrate, leader, you have to pay attention to your identity. Liu Chunlai said angrily.

Lu Hongtao just pouted and didn't say anything.

This dog said, standing and talking without back pain.

In the past, every time Liu Fuwang and Yan Jinsong came, they had to entertain them and let them fight for their teeth.

It wasn't much at the time.

After all, they don't necessarily come back once a month.

Now it's different, with Liu Chunlai contracting a factory in the county, these two old things come to the city every once in a while, and the county magistrate Lu, who receives a salary, can't stand inviting them to eat meat and drink wine every day, right?

"Let the cooperative play a role, lend money to the person who bought the tractor, and the money will go directly to the Tianfu Machinery Factory, and then the person who buys the tractor will repay a sum of money on a monthly basis?" Xu Zhiqiang frowned after listening to Liu Chunlai's plan.

Isn't this a bit too complicated?

Even Lu Hongtao couldn't understand why Liu Chunlai was like this.

If you want to get money, wouldn't it be nice if the cooperative gave a loan to the person who bought the tractor and gave the money directly to the machinery factory?

"The agricultural machinery stations of each commune are not only responsible for the maintenance of agricultural machinery in their areas, but also responsible for selling agricultural machinery in these places......" Lu Hongtao suddenly said something irrelevant to the topic.

Agricultural Machinery Station!

Each commune has a grassroots supporting unit.

Liu Chunlai doesn't seem to be going to do it according to the previous mode of operation.

"Agricultural machinery stations belong to the grassroots units under the government. Tianfu Machinery Factory is now contracted by us and belongs to the partner...... Helping sell a tractor, you can share a part of the profits......" Liu Chunlai hurriedly spoke.

Lu Hongtao's abacus is right!

I actually wanted to let myself take over the agricultural machinery stations of various communes.

The agricultural machinery stations of the communes will hardly produce much benefit and belong to the supporting projects of government functions.

If it is a highly mechanized area, there are at least two or three people in each commune's agricultural machinery station.

There are dozens of communes in the county!

Liu Chunlai didn't want this group of people.

Lu Hongtao didn't expect Liu Chunlai to be so vigilant, and as soon as he started talking, he blocked himself.

The county government has a long way to go to reduce the burden on fiscal expenditure.

"What is your purpose in doing this? The cooperative doesn't actually have any money. Xu Zhiqiang couldn't figure it out, so he simply asked Liu Chun for the purpose.

has been in contact with Liu Chunlai for such a long time, although he is young, he is definitely more slippery than a loach.

is more cunning than his father Liu Fuwang.

"That requires a prefectural financial guarantee. Once the cooperatives are well utilized, they can make outstanding contributions to the economic development of the county. Many people are not business-minded, but lack principal. However, the peasants have to buy all kinds of things with relatively high prices, and there is no property guarantee, and the cooperatives are afraid that they will not be able to collect them, and they do not dare to borrow too much, which forms an endless circle......

Liu Chunlai sorted out the most common consumer loans, housing loans, and car loans in later generations, and explained the operation mode that is in line with the situation of this era.

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