Chapter 040: Bank Loans
In the countryside, there are generally two meals a day, and breakfast is generally at ninety o'clock, because the hostess usually has to go to the field to do farm work for several hours, especially in summer and now this kind of autumn tiger weather, the morning is cool is a good time to work, if you get up in the morning and are busy cooking, then don't want to work in the morning.
Zhang Mingjie had breakfast, it was already half past ten, and he rushed to the village committee office in a hurry, where the village chief Yu Hongyun and the village party secretary Li Hanwen were already waiting for him.
Yu Hongyun saw Zhang Mingjie, who was sweating profusely, enter the house, quickly took him a glass of water, and said, "Mingjie, sit down, see that you are in a hurry, you are running again, right?" ”
Zhang Mingjie smiled awkwardly and said, "Uncle Yu, do you think I can not be in a hurry, I am completely convinced of my father's temper." ”
Li Hanwen pinched the orchid finger and said with a smile: "Mingjie, in fact, your father is also kind. ”
Zhang Mingjie said: "This is kind, I have never seen a father like this." ”
Yu Hongyun said: "Li Zhishu is right, in fact, your father just hopes that you can't do it in the orchard, so go to the city as soon as possible to find a job." ”
Zhang Mingjie sighed and said: "Actually, I don't know what he thinks, he didn't approve of me staying in the countryside at the beginning, the orchard was relatively smooth at the beginning, he didn't say anything, and now when he encounters a problem, he immediately is anxious, but in the past six months, I have poured all my efforts into that orchard, and now the orchard is like my child, is my ideal sustenance, do you say I can give up?" ”
Yu Hongyun said: "Mingjie, don't worry, Li Zhishu and I are supporting you, you also know that we have set a policy early on to make you and Wang Jingping's winery a sample, so as to drive the economic development of the whole village, we have already reported to the mayor of the town, if your orchard fails, we are not good to explain to the mayor, so from this point of view, we are on the same line." ”
Li Hanwen twisted his hair with his orchid finger and said seriously: "Yes, Mingjie, it's only because the village is poor, and there is no money in the village collective account, otherwise we will directly transfer the money to you." ”
Zhang Mingjie said: "Then what should I do now, my father does not agree to the separation, can the contract be signed?" ”
Yu Hongyun said: "Your question is a thorny problem, I studied it with Li Zhishu, your family's land also belongs to the village collective land, since it is the village collective land, then we can sign this contract." ”
Zhang Mingjie's eyes lit up and said, "Can this work?" ”
Li Hanwen held his face with his hand and pouted: "Theoretically speaking, this is feasible, but I don't know if the bank recognizes it?" ”
Zhang Mingjie said: "Then try it, there is hope is better than no hope." ”
Yu Hongyun said: "Okay, the contract is ready, let's sign it directly." ”
Zhang Mingjie picked up the pen and signed, pressed the handprint, picked up one of them and put it in his pocket, let out a long breath, the stone in his heart was finally gone, and he suddenly felt much better.
Zhang Mingjie was about to leave, but Yu Hongyun suddenly stopped him and asked, "Mingjie, did Assistant Bai call you?" ”
Zhang Mingjie was stunned for a moment and asked, "Assistant Bai?" ”
Li Hanwen twisted his waist and said, "It's Bai Xue." ”
Zhang Mingjie reacted at this time, and said solemnly: "Oh, she called, by the way, how does she know that I am short of money?" ”
Yu Hongyun said: "That's the case, I went to the town yesterday afternoon to run errands, and I happened to meet her, she asked me about your situation, and I told her, Mingjie, I think Assistant Bai likes you very much, you have to seize the opportunity." ”
Li Chaowen pinched the orchid finger and waved it in the air, and said with a sharp smile: "Hehe, that's it, Bai Xue is a good girl, if you miss this village, you won't have this store." ”
Zhang Mingjie smiled, walked out of the village committee, and plunged into the scorching sun.
At dawn the next day, Zhang Mingjie was ready to ride his motorcycle to the town, but he was depressed that his motorcycle couldn't start, so he had to ride the bicycle he bought when he was studying in the town, and rushed to the town.
Zhang Mingjie pushed his bicycle back and forth in front of the bank, he was so nervous that he couldn't do it, he didn't have the bottom at all, he had exhausted all the ways he should think, if he couldn't get a loan this time, then he really had no tricks.
Yujiang Town is not big, when the Yujiang River passes through the edge of the town, it joins with another Yanjing River to form a T-shape, the suspension bridge from Yujiang Village to the town is at the intersection of the T-shape, and Yujiang Town is at the top of the T-word along the Yanjing River on the T-shaped head.
Yujiang Town is an ancient town, there was it in the Qin and Han dynasties, I heard that a prince of the Tang Dynasty was buried here, Yujiang Town because there are several salt wells, used to rely on and produce well salt, brilliant for hundreds of years, at that time Yujiang River and Yanjing River are still full of river water, the boats in the river are in groups, hundreds of boats compete for the stream, and the horn of the slender man rings into the sky.
Now that everyone doesn't eat sea salt, the two rivers have dried up, the town of Yujiang has since declined, the railways and highways are far away, and even a secondary road is several kilometers away from the town.
There was originally a centuries-old yellow cypress tree in the town, very beautiful, and then I don't know for what reason, the town government dug up the yellow cypress tree and moved it to a location, and it didn't take long for the tree to die, and in everyone's impression, Yujiang Town began to decline after the yellow cypress tree died.
There is only one rural credit cooperative and postal savings in the town, and the only way to get agricultural loans is to find rural credit cooperatives, and postal savings do not care about this, and the rural credit cooperatives are right under the original yellow cypress tree.
Opposite the credit union is the town government, Bai Xue, who was going to work in the unit, saw Zhang Mingjie pushing a broken bicycle with a sad face at a glance, so he quietly walked behind him, suddenly patted him, and asked strangely: "Mingjie, why did you come to the town so early, is there something?" ”
Zhang Mingjie was startled, and when he turned around to see that it was Bai Xue, he breathed a sigh of relief, thinking how could he forget her, he really shouldn't have waited here, so he smiled at Bai Xue and said with a hippie smile: "It's okay, I'm just here to buy something, you're going to work, right?" ”
Bai Xue said, "It's okay, have you had breakfast?" Let's go, I'll ask you to eat whatever you want. ”
Zhang Mingjie said: "I've already eaten it, haven't you eaten it yet?" ”
Bai Xue said: "I've eaten it, I boiled my own porridge, by the way, have you solved the money matter?" ”
Zhang Mingjie said solemnly: "It's solved quickly, you go to work quickly, and we'll talk another day." ”
Bai Xue looked at her watch and said, "Okay, Mingjie, if you need anything, you must tell me, then I'll go?" ”
Zhang Mingjie waved his hand and said, "Okay, let's go." ”
Soon the door of the bank opened, and the staff walked in one after another, Zhang Mingjie waited outside the gate for a while, saw that the time was almost up, locked the bicycle, and walked to the bank credit office.
The bank staff listened to Zhang Mingjie's intention and said: "There are indeed preferential policies for agricultural loans, but our town is a poor town, with few deposits, and we don't have much money in our accounts, even if we can borrow it, the amount will not be too large, and our review of this piece is particularly strict, and we can't borrow if the conditions are not met." ”
Zhang Mingjie hurriedly said: "The amount I want is not big, just tens of thousands of yuan." ”
The staff said: "Tens of thousands of yuan is already a lot of money for us, it depends on whether you can meet the conditions, do you bring all the materials?" ”
Zhang Mingjie hurriedly took out the land contract and the contract for the purchase of fruit seedlings and handed them over and said, "I don't know what materials I need, so I brought these two things, do you think it's okay?" ”
The staff member handed over the materials handed over by Zhang Mingjie, read them carefully, frowned and said, "Your scale is a bit small, and you can't meet the loan conditions." ”
Zhang Mingjie's heart was half cold when he heard this, and he said: "Comrade, you must help me, if you can't get a loan, my fruit seedlings will be all over." ”
The staff thought for a while and said, "If your scale can be larger, I can find a way to apply for special agricultural funds for you." ”
Zhang Mingjie said embarrassedly: "But, I don't have any money to expand the scale?" ”
The staff said: "In this way, I will give you an idea, I will double the area of land contracted, so that the requirements can basically be met." ”
Zhang Mingjie's eyes lit up when he heard this, and hope immediately rose in his heart, and after thinking about it, he asked: "Comrade, if I double the scale, how much can I borrow?" ”
The staff said, "About 10,000 yuan." ”
Zhang Mingjie said disappointedly: "Huh? So little? ”
The staff smiled: "Don't be dissatisfied, it's good to be able to take out a loan." ”
Zhang Mingjie nodded and said, "Okay, I'll go back and prepare the materials, comrade, thank you." ”