The batch loan business handled by Zhang Feifei is a very common "1+N" business model, that is, a cooperation model in which a leading enterprise guarantees and multiple downstream units apply for loans, which has become more popular in the banking industry in recent years.

In this case, the Bird Farm signed a feed supply contract with a downstream farmer, and the farmer was responsible for raising white-feathered broiler chickens, and then the farmer finally purchased the farmer's chickens at the contract price.

Because the growth cycle of broiler chickens is 38-42 days, if it cannot be sold beyond the deadline, the daily feed, labor and other losses are huge, and the breeding society through the contract repurchase method, a lot of savings in the cost of farmers, but also let farmers have no distractions in breeding.

Through large-scale operation, the breeding cooperatives have also gained a certain bargaining space in the upstream feed mills and downstream food processing factories, so as to earn intermediate profits. This model, if done right, is a promising project.

Wang Chong analyzed the business model and calculated the profit margin of the loan, so as to give a reasonable loan price, which not only ensures that the farmers get enough profits, but also makes the loan have a good income. He believes that by investing in working capital operating loans, customers and banks can achieve a win-win situation, which is the way for banks and customers to survive harmoniously.

Through the analysis of several loan data, Wang Chong came to the key core points of the business model, one is the cost and profit of breeding, the other is the guarantee ability of the guarantee enterprise, and the main risk point is the epidemic control of poultry and the cash return of the user.

Fortunately, thanks to Wang Chong's guidance and help, when the first draft of all the investigation reports was prepared, it was already eleven o'clock in the evening, in order to express his gratitude, Zhang Feifei had to invite Wang Chong to have supper, Wang Chong waved his hand and refused, "Supper is exempt, your first task is to go home to make up for sleep, and to do on-site investigation in the next two days, the task is arduous." When this loan is put out, it's not too late for you to invite me to eat when the bonus is issued. ”

The next morning, the two came to meet in the bank, and when they were about to go out, Gu Tiande came to the second credit department for the first time, "Xiao Zhang, how is the loan of the Heavenly Poultry Breeding Society?" Zhang Feifei said respectfully, "Director Wang Chong is about to take me to do an on-site investigation." ”

Gu Tiande glanced at Wang Chong, "Do credit, pay attention to due diligence and exemption, pre-loan investigation is more important, you must do it well, Wang Chong, there is a credit business analysis meeting at ten o'clock in the morning, you don't have to go." ”

Wang Chong said that I did a few of the business, and I still have to go according to the rules.

"Wang Chong, you are now the leader of the second credit section, a management position, you can't rush to the front line in everything, sometimes you have to pay attention to the balance between management and business. ”

Wang Chong said, "After so many years, we have been accustomed to dealing with customers, and by holding fewer formalistic meetings, the business efficiency of our sub-branch can be greatly improved." ”

Gu Tiande said with a stiff face, "Let me ask you again, is the customer important, or is my meeting important?"

Wang Chong couldn't stand it the most because Gu Tiande put on a show of being a president with him, but two days ago, Lin Tianhua specially told him that he should pay attention to ways and means to do things, and some gossips reached his ears, which was not good after all, so he had to say, "Of course, the leader's meeting is important." ”

Gu Tiande snorted coldly, "It's good to know!" said and walked out of the second credit department.

Li Qiaowei, the co-organizer of the account manager, was on nursing leave, and Wang Chong arranged for Zhao Dagang and Zhang Feifei to do the pre-loan investigation together, and handed over a few questions prepared last night to Zhang Feifei to investigate clearly, and he returned to his seat to prepare for the meeting at ten o'clock.

As soon as Zhang Feifei and Zhao Dagang went out, Zhao Dagang said, "I asked a beautiful woman to go shopping with me today, and I can't accompany you!"

Zhang Feifei said, "But according to the requirements of the system, the pre-loan investigation should be carried out by two people, and today's itinerary is a little slow, which is not good." ”

Zhao Dagang stepped forward to massage Zhang Feifei's shoulder, and said with a smile, "The system is dead, people are alive, and the living can't let the system suffocate to death, right?

"I have to do it if I can't stand it!"

"You are stupid, what information do you need, make a list and let them provide it themselves, photos, and let them make up the order, pass some over, and then photoshop the two of us? Besides, these are farmers and breeders, and there is nothing to fish with them, don't do some thankless things. Remember to call me at noon, I'll meet you!"

Zhang Feifei had to pick up the phone and call Luo Dacheng, the person in charge of the Sky Poultry Breeding Society, and asked him to send someone to lead the way, Luo Dacheng received the call and personally drove an off-road vehicle over, "It's Manager Zhang, it's such a hot day, and you have to run over in person, it's really troublesome for you." Let's go to my office for some tea and chat. ”

Zhang Feifei said that I still have to go to the scene to take pictures, so there is no need to bother.

Seeing that he insisted, Luo Dacheng walked not far away and made a few phone calls, and then said, "The farmers under our Heavenly Poultry Breeding Cooperative are concentrated in three townships, and today we will go to Qianniu Town for a turn." Take my car, the road is not easy to walk. ”

In order to prevent the epidemic, this kind of breeding greenhouse is generally built a few kilometers outside the village, the country road is bumpy, and the off-road vehicle drove for more than half an hour before coming to a breeding greenhouse called Zhao Xinchun. As Zhao Dagang said, more than 300 meters away, Zhang Feifei smelled a disgusting smell, he endured the smell and entered the breeding area.

This is Zhang Feifei's first contact with this industry, he doesn't know much, according to the outline listed by Wang Chong, to chat with Zhao Xinchun and collect relevant information.

Zhao Xinchun's breeding greenhouse is larger in the local area, there are twelve greenhouses, each greenhouse is more than 100 meters away, the middle is isolated with lime, fence and other things, about 3-50,000 broiler chickens, a batch of about 500,000 or so, the average carcass chicken is about 4-5 catties, according to the market broiler chicken price per catty 4 yuan price, regardless of the disease, avian flu, etc., each batch of broiler chickens can be sold about 500-8 million.

Zhang Feifei recorded the cost of broiler chickens: chicken seedlings 1.2 yuan, meat feed ratio 1.7, feed price 2.2 yuan / catty, counting labor, input, loss and depreciation, the cost of each catty of carcass chickens is 3.7-3.8 yuan, the market price is 4 yuan, the profit per catty is about 0.2-0.3 yuan, and the profit is between 40-500,000 yuan. According to the calculation of six batches of chickens a year, the net profit is about 2 million yuan.

However, the risk of breeding broiler chickens is extremely high, and one of the six batches of chickens has died, and at most it will not lose money or make money, and if it dies in two batches, the loss will be large. Fortunately, Zhao Xinchun's farm has basically realized automatic operation, feeding, drinking water, vaccines, etc. are all put into the equipment, and the entire farm is only maintained by more than a dozen individuals.

Luo Dacheng introduced, "Zhao Xinchun farm signed a feed contract of 2 million with our poultry breeding society, due to the tight working capital, so to apply for a loan from your bank, Manager Zhang, you can rest assured, we are the guarantee, and their carcass chicken is recycled at a price of 4.1 yuan per catty, 0.05-0.1 yuan higher than the market price, if it is not for the children to get married and buy a house this year, they can't count the money all day long!"

Zhang Feifei noticed that when Luo Dacheng said these words, Zhao Xinchun's expression was a little embarrassed.

Zhang Feifei specially checked, and the price of broiler chickens today is 3.97 yuan per catty, so he asked, "Mr. Niu, since your breeding society is an intermediary organization, and the purchase of chickens is higher than the market price, where is your profit point?"

Luo Dacheng didn't expect him to ask this question, so he ended his sentence and hurriedly said, "The smell here is too big, let's go, let's go out first, and talk while walking." ”

Zhao Xinchun muttered on the side, "It's not that we are pressed for a batch of money, this batch of accounts was settled after the sale of money." Luo Dacheng glared at him, "Do you want any money?" Zhao Xinchun hurriedly shut up, but Zhang Feifei didn't hear it.

At this time, Zhao Dagang called, "Where have you been, I'll go and meet you!"

"Aren't you dating?"

"Don't mention it, I waited for her in People's Square for two hours, and that girl actually released my pigeon, where will I eat at noon?"

Zhang Feifei said Wait a minute, I have to visit two households in the morning.

Luo Dacheng took the opportunity to say, "You see it's half past eleven, at noon I booked a private room in Yunhaitian, let your friends come over, and by the way, I also introduced a few friends in the industry to chat together, and we, the old farmers, also took the opportunity to ask you white-collar workers for some financial knowledge." ”

"Forget about eating, the time is a little tight. ”

"The body is the capital of the revolution, people are iron and rice, how can you do it without eating, and you must pay attention to your body when you are working hard. Luo Dacheng half-persuaded and half-forced, let Zhang Feifei get in the car, and then told Zhao Dagang the address, and drove all the way to Yunhaitian Restaurant.

Zhao Dagang arrived at the restaurant almost at the same time, Li Songyuan of the Divine Bird Breeding, the deputy director of the Agricultural Bureau, and several enterprise CEOs were accompanied. Luo Dacheng also poured the other party, sea cucumbers, sashimi, what is expensive, and he also opened two bottles of Moutai, which cost nearly five or six thousand yuan in one meal.

Zhang Feifei doesn't drink, "I have to investigate customers in the afternoon." ”

Zhao Dagang persuaded him, "As account managers, we can sleep outside every day, and occasionally drink some corrupt wine." After all, he has just joined the work and has not been contaminated with these bad habits, but Zhao Dagang is an old fritter, and he said while drinking, "Well, this Moutai is good, it's true." ”

Li Songyuan made a look, and before lunch was over, two of his subordinates put two boxes of Moutai in the trunk of Zhang Feifei's official car.