PS: Modified.

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Chen Geng was really curious about how the people of the Academy of Agricultural Sciences would react when they saw the money in the red envelope, but unfortunately, this kind of thing was just thinking about it after all, when the comrades of the Academy of Agricultural Sciences were frantically opening the red envelope, Chen Geng and Xie Minsheng were already on their way to the Bank of China.

For Chen Geng's arrival, Shen Daqing, the boss of the Haizhou branch of the Bank of China, was naturally extremely welcome, and instructed the secretary to serve tea and pour water.

After some greetings, Chen Geng explained his intention: "President Shen, I came to you this time to ask you something. ”

"You say," Shen Daqing nodded again and again: "No matter what it is, just ask, well, do you want to get some loans?" This is easy to say, you name the number, and I'll send it to you when I get back. ”

For Shen Daqing, Runhua Industrial wants to borrow a loan?

That's a good thing!

Great good thing!

In order to ensure the safety of funds, Runhua Industrial dared to borrow 1 million, and he dared to give Chen Geng a rebate of 100,000!

Don't think that Shen Daqing is making a mistake, in the face of high-quality customers like Runhua Industry, the provincial branch will not only not blame him for his approach, but will also specifically praise him, why? Because Shen Daqing is the president, the approved loans can be recovered!

That's the result!

That's what it's like!

Speaking of the bank, especially the main leaders of the bank, the heart is also very bitter, the local government has no money, reaching out to ask the bank to borrow money, as the president of Shen Daqing dare not borrow? Can I not borrow it? Of course not.

But the problem is that the money borrowed by the local government will not be recovered nine times out of ten, and in the end it will basically become a bad debt, a bad debt and a dead debt, which will make Shen Daqing suffer. When the time comes for performance appraisal, it is Shen Daqing who is evaluated!

It's even more bitter. In the face of the local government's rogue practices. The bank has nothing to do, the only thing he Shen Daqing can do is to try to put as little as possible this kind of loan that is destined to be a big dog with meat buns, but on the other hand, if it is a high-quality customer like Runhua Industry, Shen Daqing can't wait to ask Chen Geng for a loan.

Naturally, Shen Daqing had no choice but to agree to Chen Geng's request for a loan.

"Governor Shen, don't be too happy too soon." Chen Geng said with a smile: "Although our loan is to expand reproduction, it is not to expand the production scale of motorcycles and engines, but to raise pigs." ”

"You ...... Pig ......"

Shen Daqing's jaw was about to fall, and he stammered to Chen Geng: "Manager Chen, Deputy Manager Xie, aren't you joking with me?" ”

"Do you think I'm going to joke with you with this kind of thing?" Chen Geng asked rhetorically.

"......" Shen Daqing was suddenly dumbfounded, yes, Chen Geng really couldn't joke with himself about this kind of thing, since Chen Geng was not joking with himself, then ...... Is he playing for real?

Shen Daqing suddenly hesitated: Of course, it is a good thing for Chen Genglai to borrow money. If he came to borrow money to expand the production capacity of motorcycles, that is not said. Not to mention borrowing 1 million, even if it is 3 million or 5 million, I will not frown, the loan line of the Haizhou branch is used up, I can also go to the Bank of China in other cities in Jiangnan Province to coordinate some quotas, and everyone will have to beg me at that time, but Chen Geng wants to use this money to raise pigs......

It's so painful.

Of course, in a sense, pig breeding can actually be regarded as expanding reproduction......

But in the traditional understanding of the common people, the family has a lot of money, the problem is that the hairy ones don't count, and the sad thing is that Shen Daqing also sees it this way.

Does pig farming make money? Of course, to make money, Shen Daqing also agrees with this, an ordinary rural family has to ensure that there are 4 pigs in their pigsty, and in a year, this farmer can easily become a 10,000 yuan household - not that he can earn 10,000 yuan a year, but the "turnover" he buys pigs can easily exceed 10,000.

For farmers in the mid-80s, this is a lot of money, because for farmers, the cost of feeding pigs is actually negligible, all of which are grown in their own land, as for labor costs, we don't have this concept at all, so in addition to buying piglets, pigs when they are sick to inject and vaccinate pigs, the cost of raising pigs is almost equal to nothing, nothing more than people are tired, but as long as there is money to make, what is tired?

But at that time, ordinary farmers, as for your boss Chen to earn this hard-earned money? Wouldn't you make more money by casually producing a few motorcycles than by raising pigs? Raising pigs, you will worry about pigs getting sick and swine plague, but when you produce motorcycles, will you worry about getting sick and having plague on motorcycles?

Okay, motorcycles occasionally have a little problem, but this has something to do with you Chen Geng?

Shen Daqing is very painful, to be precise, he is extremely painful.

After hesitating for a long time, he finally spoke: "Manager Lin, brother, today I will tell you something from my heart, brother, I just don't know if you like to listen to it." ”

"You say." Chen Geng nodded.

"As long as you come to borrow money, don't say it's 1 million, even if it's 2 million or 3 million, I dare to approve it, I'm not worried that you can't pay it back, but brother, I really don't think you need to raise pigs, really," Looking at Chen Geng, Shen Daqing said sincerely: "The same 1 million, you use it to produce motorcycles, you may earn back 1 million a year, you can raise pigs...... When will you earn back this 1 million?

Besides, pig raising, since you are on a pig farm, then you can't be the same as the people raising pigs, you buy feed, you have to hire workers, you have to be careful not to let the pigs get sick at any time...... I'll tell you the truth, raising pigs makes little money, and I'm worried about ......."

Speaking of this, Shen Daqing said seriously: "Brother, I suggest you go back and think about it again, really, so let's wait for the New Year, if you still plan to raise pigs, then I won't say anything, but I really can't promise you now." ”

Chen Geng didn't expect Shen Daqing to think so much about himself, for a practitioner in the financial industry, Shen Daqing's approach simply deviated from the essence of finance: a practitioner in the financial industry who can't do anything to himself, can't knock on his own bones, and is embarrassed to call himself a practitioner in the financial industry?

Smiling, Chen Geng pointed at himself, then at Xie Minsheng, and said: "President Shen, thank you for your kindness, but today I came here with Xie Lao, which shows that the project of Shangma Pig Farm is not a decision made by me with a hot head and a pat on the head, but a collective decision of our company, you will not object to this, right?" ”

"......" Shen Daqing nodded, he was too excited just now, but if you think about it carefully, it's really like this.

Chen Geng continued: "Secondly, pig raising is good, and the money earned is not less than that of producing motorcycles...... In the end, it has developed into a Fortune 500 company, which industrial enterprise in our country can be ranked among the world's top 500? ”

"I admit this," after thinking about it, Shen Daqing nodded and said, "But the situation in our country is special......"

"The situation of our country is special, but in my opinion, this is the best opportunity for our Runhua Industry," Chen Geng interrupted Shen Daqing's words, saying: "Our country has just begun to develop, and there is no heavyweight meat product enterprise in China, this is the opportunity of Runhua Industry!" Lao Shen, what do you think it will be like for Runhua Industry to enter this industry after a few meat product giants appear in China? ”

"This ......"

Shen Daqing had to admit that Chen Geng's words were indeed reasonable, now there is no domestic meat products enterprise that can be a "well-known", but this situation is absolutely only temporary, with the progress of reform and opening up, with the increasing prosperity of the people, there will inevitably emerge several leading meat products enterprises in China, by that time, the market has been carved up, Runhua Industry either give up the idea of entering this market, or it will need to spend more than many times or even dozens of times the price to enter this market.

"That's right," nodding, Shen Daqing agreed with Chen Geng's statement, but he raised his own question: "But do you plan to focus on meat products in the future, or do you want to take both motorcycles and meat products into account?" ”

Xie Minsheng and Chen Geng glanced at each other, and the two smiled in unison: "We Runhua Industry positions pig breeding as the two pillar industries of Runhua Industry, what do you think?" ”

Shen Daqing was stunned for a while, and then smiled helplessly: "Okay, since it's all said and done, then what else can I say, so let's deal with this matter after the New Year, what do you think?" ”

Chen Geng didn't answer, but said with a smile: "Governor Shen, if we promise that when the pig farm is in normal operation, we can provide a commercial pig to the Bank of China at a wholesale price every day, what kind of conditions will you give us?" ”

"Can you provide a commercial pig to BOC every day? Or wholesale price? Shen Daqing's eyes widened suddenly, and he said in disbelief: "Really? ”

Without waiting for Chen Geng to answer, he slapped his thigh heavily: "If you can really do it, let me tell you this, don't ask me for a loan, I'll help you take the lead with the Agricultural Bank of China, and help you get a supportive policy loan from the Agricultural Bank of China, when do you have the money and when will you pay it back, how about it?" ”

What are the supportive policy loans? To put it bluntly, it is said to be a loan, but in fact, this money is no different from what is given for free, and there are basically few who are eligible to take supportive policy loans, and as the only bank among the four major state-owned banks that allows loss-making operations...... Of course, the other three also lose money, but the Agricultural Bank of China stipulates that you can lose money, and the nature is different...... As long as Runhua Industry can stably provide a pig to the Agricultural Bank of China every day, no one will chase Chen Geng for money at all.

Before Chen Geng could speak, Shen Daqing's eyes when he looked at Chen Geng changed again, and with a thumbs up, his eyes had turned into deep admiration: "Brother, you are so calculating!" (To be continued.) )