In the 90s of the last century, the national economy shifted from the traditional planning system to the market system, and the state-owned enterprises encountered unprecedented difficulties. A large number of enterprises have gone bankrupt or been restructured, and tens of millions of workers of state-owned enterprises have been laid off and are unemployed, causing very serious social problems.

The country has launched a large-scale laid-off reemployment project, which has even alarmed the United Nations and the International Labour Office. In order to help laid-off workers find new jobs, government departments at all levels can be said to have crossed the sea and displayed their own magical powers, some actively creating jobs and diverting workers, and some providing reemployment training to help workers change occupations.

As a financial sector, banks cannot remain indifferent to the political task of promoting the reemployment of laid-off workers, so they have introduced relevant financial policies to support laid-off workers and workers who are ready to start their own businesses, providing small, low-interest or even interest-free loans to laid-off workers who are preparing to start businesses, so as to help them overcome the difficulties of shortage of funds.

As a southern province, the problem of layoffs in Dongye Province is not as severe as in Northeast China, but there are hundreds of thousands of laid-off workers in the province. As early as last year, the provincial industrial and commercial branch has launched a microcredit service for laid-off workers, this kind of business is completely loss-making for the bank, but its political significance is great, so the subordinate branches must also do their best to complete.

The Linhe Branch of the Industrial and Commercial Bank of China has also been assigned a certain amount of microcredit tasks for laid-off workers, but the situation of granting credit is far from ideal. Credit is not a relief, and it cannot be said that whoever is short of money will be given a lump sum. The premise of granting credit is that the other party has a feasible business plan, and after obtaining financial support, it can quickly achieve results and repay the loan within the specified time.

Most of the laid-off workers have little experience in business, and many of them only work in coastal or local private enterprises after being laid off, and do not consider starting their own businesses. Occasionally, some people who want to start a business, just like the benevolent brother who raised earthworms said by Guo Yunce, belong to the people who rush to pay IQ taxes, and when they see a "secret to getting rich" in the newspaper, they throw money into it, and in the end they lose all their money.

For these people, the bank can't come to collect the debt, and it is politically incorrect to do so. In case someone goes to sue or something, Guo Yunce probably has to be accompanied by his predecessor Wei Yonglin.

In view of the fact that there have been a number of cases of laid-off workers starting a business and losing money, the industrial and commercial sub-branches do not dare to be too casual when issuing reemployment credits, but let the other party clearly explain the specific plans for starting a business, and repeatedly evaluate them to see if they are feasible. In this way, a loan of tens of thousands of yuan, I can't wait to ask McKinsey to do a marketing analysis for the other party, and I have never worked so hard to give Linyi a loan of more than 20 million yuan.

The loan is a political issue, and the failure to recover the loan is a business issue, and Guo Yunce has to consider both issues, which gives him a headache. Sometimes, Guo Yunce also wonders if he can find a few more reliable entrepreneurial projects by himself and stuff them into the laid-off workers, so that there is no risk. But the question is, how can there be such a project?

In the middle of sleep, the pillow was delivered. What kind of wood carving machine tool Tang Zifeng said sounds a bit reliable. After all, Linyi Machine is such a big enterprise, and those leather bag companies that sell earthworm seedlings are two different things, and the project launched by Linyi Machine should be regarded as a high-quality project.

"Assistant Tang, tell me in detail what is the situation of this wood carving machine. Guo Yunce said eagerly. At this time, he no longer felt that Tang Zifeng was hateful. This young man is really handsome, with clear eyebrows and beautiful eyes, and at first glance he is the kind of person who has a very good heart and is used to being kind to others......

Tang Zifeng explained in detail the marketing plan of Linyi Machine about the wood carving shop, and Guo Yunce and Tian Linlin both nodded straight at the ear. They are also all socially experienced and can imagine the business prospects of such a store. According to the most pessimistic estimates, it is not a problem to invest 30,000 yuan in equipment and recover the cost in more than a year.

Now not only do rural people have to build houses to engage in all kinds of wood carving, but urban people also have to make some entrances, baseboards and the like at home, which are all market opportunities for wood carving shops. It is normal to spend tens of thousands of yuan to decorate a home, but what is the difficulty in taking out a few hundred yuan to carve flowers? Guo Yunce even thought about whether the counters of various outlets under the industrial and commercial sub-branch could be carved with patterns and decorated, and how much could it cost?

Tang Zifeng said: "President Guo, three or four wood carving shops are enough in a city, and one in a county can be done, and no matter how much you have, you won't be able to make money." I suggest that you Linhe Industrial and Commercial Branch initiate, but hand it over to the provincial branch to co-ordinate, in the province to promote wood carving machine tools, these 100 sets of equipment, is used to do this.

"The two of us can jointly hold several training courses on wood carving machine tools. We are responsible for providing free training, and your industrial and commercial sub-branches provide accommodation for students. After the trainees complete their studies, the Industrial and Commercial Bank of China provides sellers with loans to purchase a full set of equipment for the trainees to start their own businesses.

"If this thing works well, it will be fine to make headlines on the front page of the provincial newspaper. Of course, the biggest credit belongs to the branch, but the Linhe branch, as the first unit to put forward the idea, contacted Linyi to provide equipment, and the credit is also indelible. Can you, President Guo, not show up in the newspaper?"

"Haha, I don't care about that. Guo Yunce's face smiled like a blooming daisy, and he waved his hand and said: "What is personal fame and fortune, I feel very relieved to be able to help laid-off workers start a business." ”

"By the way, Assistant Tang, if you do publicity in the future, can you mention that Linyi Machine can develop this kind of machine tool, which is the idea provided by President Guo......" Tian Linlin asked on the side. As the director of the office, thinking about what the leader thinks is also an innate endowment.

Tang Zifeng said briskly: "That's a must!" President Guo has made great efforts to think about the matter of starting a business for laid-off workers, and has personally visited us three times to ask us to develop a small machine tool suitable for laid-off workers to start a business. It was under the inspiration of President Guo that we designed such a machine tool. ”

Ning Suyun had already put her face aside, this scene was really embarrassing, she blushed for Tang Zifeng.

Guo Yunce was dizzy with an old face, and waved his hand again and again and said: "This can't be helped, this can't be helped, I just thought about this problem, and I can't think of it being the same as what Assistant Hero Tang sees." ”

"So, this matter can be finalized?" Tang Zifeng asked.

Guo Yunce nodded: "I'll see it." This is a great thing for the laid-off workers, and I believe that the branch will definitely support it. ”

Tang Zifeng said: "If this is the case, then please ask President Guo to hurry up and ask the branch for instructions." If for some reason the branch can't accept this option for the time being, we are ready to go to another bank. By the way, it seems that the city credit union also has such a business. ”

"No, this matter is our business for the Industrial and Commercial Bank, and we have a duty to do it. Assistant Tang rest assured, I will let Xiao Tian and them draft a plan in a while, and I will personally send it to the branch tomorrow and make a statement to the branch leaders in person. Guo Yunce just patted his chest and swore an oath.

Tang Zifeng said: "That's good, we also think that if this matter is done one day earlier, the laid-off workers will be able to suffer one less day." By the way, President Guo, I have to make an appointment with you first, and if this policy can come down, you must leave a loan place for me. We have an employee in our factory who is on sick leave all the year round, and I want him to apply for this loan and open a wood carving shop in Linhe City. ”

The employees of your factory, you will not support it yourself, and you are still worried about our money!

Guo Yunce secretly despised Tang Zifeng in his heart, but with a smile on his face, he said: "This is no problem at all, our policy is also for these employees." ”

"Alright, we'll take our leave. Tang Zifeng stood up and said.

Guo Yunce and Tian Linlin kept sending Tang Zifeng and Ning Suyun out of the gate of the branch, and came to the car parked on the curb of the road, shaking hands and saying goodbye. Just as Tang Zifeng and the others were about to board the car, Guo Yunce suddenly called out to Tang Zifeng, and then said with an embarrassed face: "Assistant Tang, I suddenly remembered one thing, there is a reluctant request, I don't know if it is appropriate to say it." ”

"What kind of reluctant invitation?" Tang Zifeng was very surprised.

Guo Yunce said: "I heard that the children's school of your factory has obtained a batch of review materials called 'five-year college entrance examination three-year simulation', which is very precious. That kid in my family happens to be this year's college entrance examination, can you please ask Assistant Tang to talk to the school and let me ...... a set of materials?"

"That's it?" Tang Zifeng couldn't laugh or cry a little, what is this special meow.

"Alas, pity the hearts of parents all over the world. Guo Yunce said, "Some classmates in my boy's school got a set, like a baby, and they were reluctant to show it to others." I heard that there is a shading on this information, and it is not possible to copy it, you say that this is a crooked idea that someone who has no ** baby came up with......"

Do you still want information?

Tang Zifeng said with a straight face: "President Guo, everyone is responsible for cracking down on piracy, this is not a crooked idea." ”

"Yes, yes, anti-piracy, yes. Guo Yunce changed his words very quickly, "Look, Assistant Tang, can you help me get a set?"

"It's simple. Tang Zifeng said, "President Guo wants it, even if I snatch the son of the principal of the school, I have to meet President Guo's request." By the way, do you only need one set? Director Tian, don't you want ten sets or eight sets?"

"Yes!" Tian Linlin said eagerly, "Aren't I embarrassed to open my mouth to Assistant Tang? If Assistant Tang can get it, help me get one, ah no, two...... Well, it's best to have four sets, my sister's children, my best friend's children, and my lover's second aunt's children, and ......."

"Needless to say, Director Tian, I'll get you as many sets as you want. Otherwise, Linyi still owes you 24 million loans, and I will use all the information to offset it, okay?"