With the catering of the bank president, the 40 million will soon be in hand, 20 million will be returned, and 20 million will be purchased, and the new machine tool will be purchased.

The light machine factory is also a decades-old factory, and the heritage is still there, as long as the cadres in the factory do their best, there is still no problem with the order.

The first batch of plastic machinery and equipment was produced, but it still encountered a new problem, that is, the pricing problem, according to the construction of the production plant director motor, it is a small profit but quick turnover, and the price of the construction is lower.

According to the construction of Bi Yanmin, the director of the sales plant, it is sold at a high price, on the grounds that the newly produced plastic machinery is technologically advanced and in a leading position in China.

Tang Jianhua couldn't make up his mind, so he asked Long Xiao.

"Director Long, you have a good opinion"

"This is a problem, if you sell 30,000 units, it is a loss for our factory, but it is better to sell some, because each piece of equipment sells 50,000 is a large amount, and the average self-employed person cannot afford it, I am like this: we sell on credit, or sell at a high price, as long as you pay enough 30,000 yuan, you can pull the machine back, and the remaining 20,000 yuan is a profit even if you don't come back, how about it?"

As soon as Tang Jianhua heard it, he felt that the idea of Longxiao was too good, it was a great idea, so Tang Jianhua arranged it and sold it according to Longxiao's plan, and as a result, the first batch of equipment was sold out quickly.

After paying a deposit of 30,000 yuan, many users feel that they have taken advantage of it, and when they take the machine home, it is really a technological opportunity, and the plastic film produced is thin and good, and they will soon earn back the cost.

Generally speaking, users are still creditworthy, and within a few months, the remaining money will be replenished to the factory, and only a few people who are not trustworthy will let the legal department of the factory and the court go back soon.

Longxiao's sales model was quickly promoted, and the machinery produced was basically sold on credit, and some were unwilling to sell on credit to be cheaper by 2,000 yuan, which was greatly praised by customers.

In the past two quarters, two batches of machinery and equipment have been produced, the output value is as high as 60 million yuan, and the profit has reached 60%, that is, 36 million, and Longxiao ordered to repay the loan of 20 million.

After another quarter, the scale of production has doubled, and there is still no problem with sales, and Long Xiao has come up with a new way.

Since they can sell on credit, they also bid for raw materials to purchase on credit, after several competitions, Longxiao selected 6 material suppliers with good quality, and the contract was signed to pay off in half a year.

In this way, the light machine factory has more than 50 million cash on its books.

Long Xiao decided to repay the remaining 20 million loans, but the problem came.

On this day, Long Xiao was discussing a problem with several deputy factory directors in his office, and Qi Jiangwu, the president of the N bank, came in with a person.

"County Magistrate Long, I didn't go out, just right, I was looking for you?"

"President Qi, you came just in time, I was about to arrange for someone to go to the bank to repay the loan, and you came, then hurry up and go through the formalities, and I will go to save another trip."

。

"Don't, County Magistrate Long, that's the problem I'm looking for you, don't repay it first."

"Why? Aren't your banks afraid that the loan will not be repaid? Now that we have money, we will pay it back, and the province has a lot of long nights and dreams, so I will spend the money again."

。

"County Magistrate Long laughed, a few days ago, you paid back 20 million, didn't you? I have already criticized the people in our bank, you can't treat the light machine factory like this, as long as the light machine factory uses the money, don't mention repayment, you just use it."

。

"That's not good, I still have more than 50 million cash in my account, and it's useless to lie on the account, and I have to pay interest with your bank's money, how uneconomical it is"

。

"It turns out that County Magistrate Long is afraid of interest, so I'll discuss this matter with you today."

。

As soon as he heard that Qi Jiangwu was reluctant to repay the loan by himself, he laughed in his heart: the bank is really only icing on the cake, and will not send charcoal in the snow, seeing that the light machine factory has sufficient funds, he does not want to repay, but seeing that Qi Jiangwu wants to discuss with himself, he quietly listens to his next words.

"County Magistrate Long, if you think that the interest rate of our bank is high, I can make the decision today and lower the interest rate for you, how about it?"

The interest is even more ridiculous, in order to prevent itself from repaying, the bank actually lowered the interest rate, but in any case, it will not be the same as the deposit interest, otherwise it will not be the bank's style.

Despite this, Long Xiao asked politely.

"Governor Qi, how much do you want to lower?"

"How about dropping 3 points for you?" ”

Long Xiao was happy when he heard it, there was only more than 7 points of interest, if it was reduced by 3 points, it would only be about the same as the deposit interest.

"President Qi, why are you doing this, if it drops so much, won't the bank lose money?"

"It's not a loss, but the profit is very small, if you borrow more, I will earn"

"Do I need to borrow more? Why? ”

"County Magistrate Long, I'll tell you the truth, the deposit and loan ratio of Bank N has been larger recently, and we also have a task for loans, high-quality customers like you are not afraid of your more loans, even if you help me"

。

Long Xiao quickly calculated in his heart, if he helped, it was not impossible, as long as he was operating in the feeding, this spread would be recovered, so he had an idea.

"President Qi, since you said this, if I help you again, I won't be a friend, okay, then I won't pay back the 20 million, how about a loan of 80 million?"

。

Qi Jiangwu didn't seem to believe his ears, and was immediately stunned.

"County Magistrate Long, do you have a new project? If it's not enough, you can expand your quota to 200 million."

"No, no, this 100 million is enough, if I don't have enough, I'll tell you again, besides, I don't have any new projects"

。

"Then you will borrow another 80 million?"

, Qi Jiangwu asked this is a common problem of the bank, no matter what you do with the loan, the bank has the right to ask.

Not far from the back, the ghost ship ball picks up the lonely enemy and refers to the cold, "Storing goods, understand?" ”

, Qi Jiangwu doesn't understand, is it still profitable to store goods?

Long Xiao saw that Jiang Wu didn't understand, so he explained to him.

"President Qi, I also tell you the truth, at present, I don't need cash at all to buy raw materials, all my accounts have plenty of funds, but you don't want us to repay, I thought of an idea: change the method of buying on credit, use cash to purchase, but the price is forced to lower the supplier, I think there is no problem"

。

Qi Jiangwu understood that seeing that Long Xiao's business acumen was so active, he wanted to lend more, but was politely rejected by Long Xiao.

"President Qi, I have a lot of loans of 100 million, to be honest, I will reduce the price by up to 10%, and then give the bank more than 3 points, in fact, I will earn 7 points, if there is more, the operation cycle is too long, it will not be cost-effective, at present, how can I increase the production capacity"

。

At this time, Qi Jiangwu also completed the task, not only let the light machine factory continue to loan 20 million, but also borrowed 80 million more, Longxiao can be regarded as giving himself face, Qi Jiangwu went back satisfied.

Long Xiao called Wan Shu, the director of the purchasing factory, over.

"Wan Fu factory director, if all our raw materials are cashed, can you reduce a few points for me?" ”

Wan Shu didn't understand Long Xiao's intentions: "Director Long, isn't it very good for us to buy on credit now, why do we want cash?" ”

"Wanshu, in the past we bought on credit because we didn't have much cash, but now we have money, as long as the supplier lowers the price, we are still profitable"

。

Wan Shu understood: "That's it, that's no problem, I dare to say that it can be reduced by 10%"

"No, I've researched, the price of raw materials we buy on credit is high, and there is a minimum of 40 run space"

。

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