Following.

Zhao Erya was tired all night last night, and her whole body hurt and she didn't want to get up. Zhang Yida and the rest of the delegation first went to worship Jiang Wei's ancestral hall, and then came to the embroidery village.

Every household in this village is also doing embroidery, Zhang Yida and his entourage visited several and conducted a comprehensive investigation on the quality of embroidery products, sales channels, production capacity and other aspects.

The last stop was the Spine Beast Industrial Village.

The spine beast is a decorative building component, mainly used for the decoration of the roof of the temple, and the materials are wood, glass, brick carving, stone carving, ceramics and other types.

The spine beast in Valley County is still somewhat famous, and it is a provincial intangible cultural heritage.

After talking with the villagers, Zhang Yida learned that this set of things is no longer popular today, and it is okay to put it in ancient times, because of superstition, the ancients at that time would add ridged beasts to the eaves when building all kinds of temples.

Nowadays, their products are used in some antique buildings and temples. The main products have been transformed into the production of civil bricks.

I stayed in Valley County for another two days and inspected all aspects of customs and customs.

Today, Zhang Yida came to the office of the county magistrate Wu and said goodbye to him.

"Why don't you stay for a few more days? Mr. Zhang. Are you in such a hurry to return to the capital?" said County Magistrate Wu.

Zhang Yida had no choice but to explain: "County Magistrate Wu, we have all inspected the things that should be inspected in Valley County. I have several other companies in the capital, and there are many things.

I have to continue to bother next time. ”

Then Zhang Yida handed over another document to the county magistrate Wu and said:

"This is an industry report compiled and summarized by our company's inspectors.

It is mainly around pepper, hemp shoes, embroidery, spine beasts and other industries how to expand the scale of production and operation in the future, and how to make product sales go out of some suggestions.

In addition, I hope that government agencies will take the lead in increasing policy support for the above industries and guiding the standardized development of industries.

Let the peasants form planting cooperatives, handicraft cooperatives and other production cooperatives.

We benefit farmers to provide the funds needed to expand production, and the farmers use the funds to purchase some equipment and raw materials for production, and everyone will work together to build up the economy. ”

Thank you Mr. Zhang for your help and support to our valley county, and I thank you on behalf of the 650,000 people in the county. County Magistrate Wu cordially shook Zhang Yida's hand and thanked him sincerely.

"Haha, County Magistrate Wu is polite. Zhang Yida thought about it, and there was one more thing he forgot to say. So he said:

"Next, we will initiate the establishment of Ganzhou Huinong Microfinance Company, as well as the establishment of a branch in Valley County, and I hope that the county magistrate Wu will take care of it!"

"Haha, what problems did you encounter in Valley County in the future, just open your mouth. County Magistrate Wu smiled heartily.

In this way, Huinong Loan and the valley county government signed the framework agreement for the first phase of the "Huinong Cooperative Loan".

The agreement stipulates:

In the next year, the company will provide the first installment of 50 million yuan with interest rates ranging from 12% to 24% for farmers planting and handicraft farmers in the valley county, which will be used to expand the scale of production and operation.

The government of the valley county is responsible for guiding and cooperating with the employees of Huinong Loan Company to complete the pre-loan, loan-in-loan and post-loan review and management.

Why set up a microfinance company?

This is also Zhang Yida's consideration of further reducing the cost of capital and reducing the burden on peasant borrowers.

At present, through the cost of 10%-16%, plus operating costs, it is difficult to make a loss of agricultural loans.

Losing money is not a problem, but it has to be valuable.

Therefore, Zhang Yida decided to adopt the model of a cluster of microfinance companies to operate, and in the future, each province will open a microfinance company that benefits farmers.

Microfinance companies are not allowed to absorb deposits, the source of funds is the capital contribution of shareholders, and no more than two banks and financial institutions are allowed to inject funds into microfinance companies, but the amount of funds does not exceed 50% of the net capital.

On the plane to the capital, Zhao Erya leaned on Zhang Yida's shoulder and said softly:

"I've only seen such poor places on TV before, but after I came to these places myself, I realized that it was not an exaggeration at all.

It's 2014, and there are still places lagging behind like this, I can't believe it. ”

Zhang Yida scratched her nose and said with a smile: "You grew up in the capital, of course you haven't seen a poor place." When will I take you to our Daliang Mountain in Sichuan and Shu to see, it is poorer than the valley. ”

"Ah, is it even more backward than the valley counties? Zhao Erya's eyes widened, and she looked surprised.

Then he smiled and kissed Zhang Yida: "You are amazing." If the farmer's loan outlets are all over the country in the future, it will really benefit thousands of households. ”

Looking up at the clear sky outside the porthole, the white clouds drifted away, Zhang Yida was also in a good mood, and replied slowly:

"There will be a day. And I expect that in three years at most, branches will be opened in all provinces across the country, and tens of billions of loans will be issued to farmers to start businesses, helping 100,000 poor families live a better life. ”

……

In the evening, Zhang Yida was dragged to her house by Zhao Erya. Zhang Yida didn't want to go empty-handed, and he didn't know what to buy, so he simply bought another box of Moutai and hugged the door.

My husband likes to drink, so it's not wrong to buy this.

Zhao Wenbin looked at Zhang Yida holding another box of Moutai, a little crying and laughing, this child is a real and honest person, and quipped:

"Buying so much wine, are you trying to overwhelm me?"

Zhang Yida broke out in a cold sweat on his head, the last time he drank in Zhao Erya, he was drunk by his father-in-law. His little amount of alcohol is not enough in front of his old man, so he should be low-key.

Hehe smiled and said, "Uncle Zhao, let's just drink a bottle this time." Just drink some health wine, drink too much and hurt your body. ”

Zhao Wenbin didn't tease him anymore, and called him to talk about things in the study. Zhao Erya gave her mother Wang Hongxin a hand and went to the kitchen to cook together.

When he arrived at the study, Zhao Wenbin gave Zhang Yida a cigarette and said with a smile:

"I heard that Ruixiang raised $500 million in Series B financing from Fintech Group? When are you going to go public?"

Zhang Yida lit a cigarette, took a puff, and said:

"The B round of financing is 500 million US dollars, but this money is not spent, and it is estimated that the C round of financing will be launched at the end of the year.

It's still early to go public, at least in a few more years, and the market share of mobile payment will be stabilized. ”

Zhao Wenbin nodded, stretched the cigarette to the ashtray and flicked it, looked at Zhang Yida, and said with a solemn expression:

"I heard that you are competing with Ahri and Penguins to seize the market? In the face of such giants, you are a newborn calf who is not afraid of tigers.

What should I do if I can't grab it? Have you ever thought about the way back?"

Zhang Yida knew that he was concerned about himself, and said with a smile:

"If you can't grab it, you can do a business that they don't like, and you can have a multi-billion dollar market value in the future.

But the market value is only $10 billion.

If mobile payment can be divided into three parts of the world with the two of them, Ruixiang will have the opportunity to achieve a market value of tens of billions of dollars in the future.

Speaking of this, Zhang Yida said in a solemn tone: "So, I have to fight." ”

Zhao Wenbin nodded: "Okay, you just have to think about it yourself." When you are young, you really have to have this kind of momentum to do business. ”

He changed the topic and asked: "I heard that Ruixiang has cooperated with Han Group and has become the second largest shareholder of Hantai Fund, do you want to work in licensed finance in the future?"

"Yes, of course, the opportunity for fund companies to invest in shares will not be missed. Later, banking, insurance, trust, and consumer finance licenses will be sought.

Without a license, it's a ragtag army. Licensed employment is the steady way. ”

Zhang Yida's idea is to become a big financial control and win all the financial licenses he can get.

Zhao Wenbin laughed, pointed at Zhang Yida with his finger and said: "You kid is a little ghost, and you have a good sense of business and politics."

You're right, get more financial licenses if you have the chance. This is a scarce resource, and the potential for appreciation in the future is also huge. ”

Zhao Wenbin has been in politics for many years, and he is still very clear about the direction of the policy, and he is ready to point out Zhang Yida.

Extinguishing the cigarette butt, Zhao Wenbin said again:

"I'm going to transfer my job after a while, to go to another province. If you are in the capital, you also have some friends, if you encounter a problem that you can't solve, you can look for them. ”

Zhang Yida was a little surprised, Zhao Wenbin was actually about to transfer work, and asked:

"Uncle Zhao, which province are you going to?"

"Qianzhou Province. Zhao Wenbin replied.

Zhang Yida smiled and then congratulated: "Congratulations to Uncle Zhao, step by step." ”

Zhao Wenbin glanced at Zhang Yida and quipped:

"There are still some backward people over there, are you interested in investing in the past?"

Although Zhang Yida didn't think that Qianzhou had any investment value, Zhao Wenbin asked about it, so he had to bite the bullet and say:

"That...... Uncle Zhao...... I have a farmer's loan company, and I can go to Qianzhou to set up a small loan company, and then issue small business loans to local farmers to stimulate the economy and create jobs. ”

Zhao Wenbin was joking, but he didn't expect Zhang Yida to take it seriously, so he said:

"Huinong Loan Company, you went to Ganzhou to investigate and carry out the company's business, right?"

"Yes, it is to investigate the local customs, market environment, to see what is suitable for planting, what to breed, what handicrafts are available. These farmers are then given start-up loans to help them start their own businesses and become rich. ”

Zhang Yida began to put gold on his face, and his words were so smooth that he couldn't do it.

"The nature of this company and the starting point of the establishment are very good. Just do it step by step. Even if this company doesn't make any money, or even a small loss, you have to do it, do you know what I mean?"

Zhao Wenbin still recognizes the Huinong Loan Company, which can be regarded as a socially responsible enterprise.

Of course, Zhang Yida understood what Zhao Wenbin meant, this is a good channel to gain social influence and establish a positive corporate image! ”

Zhao Wenbin said: "It's good to understand. To be an enterprise, we must have the people and the country in mind, so that we can do it for a long time and do it smoothly. ”

His fingers tapped on the desk a few times, and then he looked at Zhang Yida and said:

"When the Huinong loan is refinanced, the poverty alleviation foundation will be brought in, and it would be best if a few more banks and other financial institutions could be pulled. ”

"Uncle Zhao, your suggestion is good. Zhang Yida understood what he meant, and pulled some heavyweight partners to come in and do it together, and everyone gathered firewood and the flame was high. After thinking for a few seconds, he said:

"When Ruixiang raised Series C, I also planned to introduce national capital. ”

Zhao Wenbin nodded slightly, the corners of his mouth hooked, and the children could be taught.