Chapter Seventy-Five: Loans
After the small supermarket closed, Li Dan took the two clerks to start tallying, put all the things that were going to be on sale tomorrow, and then simply closed the accounts, which was completely finished.
After Han Mei and Li Sirou left, Li Dan lay down on the single bed in the cubicle, pressing the more than 700 cash he had recovered today under his pillow, calculating in his mind what else he could do with the money in his hand.
I just slept in a daze.
From that day on, Li Dan's "Hongyun" supermarket can be regarded as taking root downstairs in the dormitory of the Normal University.
Usually, Han Mei and Li Sirou work shifts in the morning and evening, and Li Dan also applied for no evening self-study, and came to Normal University every day after school and sat in the supermarket.
In order to increase turnover, Li Dan racked his brains, and added oden at the door of the supermarket within a few days.
The small oden became popular as Li Dan expected, and every day students came back from going out and came in to bring a few strings of oden to eat while walking, and the sales were quite considerable.
A month later, Li Dan calculated the accounts, and the net profit of the things sold in the supermarket was about 3,000 yuan a month after deducting the purchase cost. The profit of oden is about 1,500 yuan.
So in a month, Li Dan earned a total of 4,500 yuan. If you count the wages of hired people, the rent of renting a house, and the costs of water, electricity, etc., Li Dan can earn about 3,500 a month, and if this continues, the supermarket will be open for four months, and her investment will be fully earned.
This month's income of 3,500 yuan is not too much, but it is not too much. If you compare it with the wages of ordinary people. Li Dan's income is definitely a white-collar income, but if you compare it with Li Dan's summer vacation, it is not half a star.
Of course, there is really no comparison between them, after all, everything in the supermarket has a capital, and the cost of books on the bookstall is basically negligible.
However, in the second month, Li Dan picked up the businessside of the bookstall again, and directly set up a bookstall in the open air outside the supermarket, this time most of them are romance and martial arts novels, so if you don't sell them, you can rent them.
Since the second month, Li Dan's small shop has hired another person. Dedicated to delivery. This was also accidentally developed by Li Dan.
Once, a boy shouted directly downstairs from the bedroom window. asked Li Dan if there was Hongta Mountain in the store, and Li Dan directly delivered it to the door of the dormitory, which was regarded as a service to the home. From then on, I could often hear someone in the courtyard of the dormitory yelling downstairs. It's all lazy. Someone gave home delivery. It stimulated the consumption of these lazy people.
It's just that the store was originally watched by one person during the day, and with the bookstall at the door, it was busy. At night, Li Dan can come to help, and it can be a little easier, but the most lively and crowded time in the supermarket is also at night, so Li Dan will be able to be busy, and he can't spare anyone to deliver the goods at all.
Li Dan observed for a few days, and there were really a lot of people shouting downstairs from the window every day, so without any hesitation, he immediately decided to hire a person to be responsible for delivery.
The addition of these two items made Li Dan's small store earn another notch in the second month.
The supermarket is running smoothly, it will definitely make people blush, not to mention others, as far as Zhang Shulan is talking to Li Dan now, it is also a gun with a stick, they don't know Li Dan's specific income for a month, they know that it must be making money, and they start to blush, if they know the specific number, it is estimated that they will become rabbit eyes.
When the supermarket was open for the third month, that is, when it was almost New Year's Day, Li Dan began to implement her third-step plan.
Raising funds to enter the stock market.
Originally, she wanted to be close to Zheng Jianjun's kid, so that she could borrow some loan sharks from his father, but after the summer vacation, Li Dan's thoughts gradually disappeared, after all, she was not a person all the way, and people still had that kind of thought, and she didn't want to have any contact with Zheng Jianjun.
After all, although she is short of money in this life and wants to make money, she has not yet reached the level of selling herself for money. And after the start of this semester, she heard a few classmates talk about Zheng Jianjun, the little bully of the fourth middle school, who was admitted to a university in Beijing, and has left W City to break into a broader world.
Without hope, Li Dan didn't care about these side doors, and went directly to the formal way.
Now that she has an industry, she can use the "Hongyun" supermarket as collateral and bank loans.
Of course, she definitely couldn't do this by herself, so she asked Liu Dajiang, director of the logistics department of the Normal University, for help. It's the one who signed the lease with her.
Speaking of which, it was also a coincidence that in an occasional chat with Zhang Shulan, I learned that the daughter-in-law of the logistics director was from the Agricultural Bank of China. According to Zhang Shulan, working in the bank is quite a good iron rice bowl, the salary is high and the life is easy, but Liu Dajiang's daughter-in-law is not very good, this year she was transferred to the credit department, the original leisure is gone, and now she is worried, the details are not clear, only the legend seems that she has a sum of money in her hand that needs to be released, which is a task assigned to her by the bank.
When Li Dan heard the news, he felt as if a pie was suddenly about to fall from the sky, and he came to visit him with gifts that night.
After Liu Dajiang and his lover knew Li Dan's intention, they forcibly suppressed the joy in their hearts and took Qiao. This is the relationship between supply and demand, and it's really impossible to say who the uncle is.
Of course, Li Dan can't be so stupid and eager, although she is really anxious, but the performance on her face is dispensable. When Liu Dajiang once again said that it was difficult to do the job of giving Li Dan a loan, and that Li Dan's conditions did not meet the conditions of the loan at all, etc., Li Dan stood up calmly and said with a smile that it didn't matter, and if the business was not benevolent, would he still be a friend in the future.
Then they left under the eyes of the couple. In the next week, Li Dan acted as if this had never happened, and he didn't inquire, didn't ask, and of course didn't go to Liu Dajiang to make do with it, so that Liu Dajiang, who wanted to take a handful, was in a hurry.
The Agricultural Bank of China's loan mission is mainly aimed at small and medium-sized enterprises founded by individuals. Liu Dajiang's daughter-in-law has always been pampered. Now that such a task has suddenly come, and she has no connections in her hands, so she is suddenly numb, and she has to pay attention to the year-end bonus.
It's been more than a month, and most of her loan task has not been completed, and she finally knows that someone has this intention now, and she endured it for a few days, seeing that the task is about to expire, and finally can't help it. forced Liu Dajiang to contact Li Dan.
Liu Dajiang is also a talent who can bend and stretch. took the initiative to find Li Dan to mention the loan, but in and out of his words, he put a lot of money on his face. Specifically, when Li Dan came to his house to talk to him about this, although he refused, he kept thinking about it in his heart. Thoughts are under the affection of both parties. asked his lover to help Li Dan operate in the unit. On the premise of violating the bank's regulations, he finally won a sum of money for Li Dan in the near future.
Li Dan also accepts it when he sees it, no matter what the process is. In the end, it's good if the money can reach herself, so she just nodded and agreed, as long as you can help me get things done, you can do anything.
In the end, this matter was done in a few days with the intention of both parties, and the efficiency was unprecedentedly high. Li Dan used her small supermarket, which had just been open for a few months, to bring out 300,000 yuan from the Agricultural Bank. A small supermarket with a small asset of 20,000 yuan can bring out 300,000 yuan from the bank at once, what an incredible thing, even Li Dan, the party concerned, was stupid for a long time before he knew that he was stealing fun. If you go through the formal route, it is simply impossible. This is enough to see how urgent Liu Dajiang's daughter-in-law is.
In fact, it was Liu Dajiang's daughter-in-law who did a little trick to get rid of it, so that she could stuff the remaining loan amount in her hand into Li Dan. With Liu Dajiang watching from the Normal University, he is not afraid that Li Dan will run away.
So at the end of ninety-five years, Li Dan actually had 310,000 funds in his hands. 10,000 yuan is the supermarket's income in the past few months, and she is not planning to expand, so she has saved all the money in her hands.
I didn't say anything, I went straight to the stock market.
This is not the end, although she has not specifically publicized the loan, but several people around her still know, and Zhang Shulan also deliberately ran to her to ask.
On this day, just in time for Zhang Shulan to be on duty, it turns out that she loves to knit sweaters in the duty room non-stop, since Li Dan's supermarket opened, she likes to sit in the supermarket when she has nothing to do.
Zhang Shulan sat on the chair at the door of the supermarket and chatted with Li Dan at the cashier, then looked around, there was no one left, and then lowered her voice and asked mysteriously: "Li Dan, Aunt Zhang heard that you took this supermarket as collateral and brought a lot of money from the bank, to be honest with Auntie, is there really such a thing?" ”
Hearing this, Li Dan turned his head and raised his eyebrows, "Aunt Zhang, you are well-informed enough, I haven't covered the money in my pocket yet, you know." The irony in the words is already obvious.
I don't blame Li Dan for this attitude, whoever just had something happening at home, and before he turned around, he didn't feel comfortable outside. And Li Dan specially instructed the two of them not to talk about this matter outside after completing the formalities with Liu Dajiang, after all, she is a young girl, she is not familiar with life here, and it is enough to open a money-making supermarket, what if any unscrupulous person knows that she has a huge sum of 300,000 yuan on her, what can she do.
She also told Liu Dajiang and his family so much for the sake of her own safety, who knew that those two bastards promised to be good in person, and sold her when they turned around, can she not be angry.
"Hehe, don't be careful, I only occasionally heard someone ask you about it, and you must not spread it again, you can rest assured." Of course, Zhang Shulan saw that Li Dan was unhappy, but now she had something in her heart and didn't want to provoke Li Dan, so she hurriedly appeased her.
Li Dan softened the expression on his face and said sincerely: "Aunt Zhang, I didn't mean that I wanted to hide it from anyone, and the loan is not a shameful thing, it's just that I am a little girl's family, if people know that I have money in my hand, it will not be good to attract people's attention, besides, the money is changing hands in my hand, and now my pocket is smoother than my face." "Crying poor Li Dan will still do.
In front, Zhang Shulan could still hold Li Dan's hand and pat it comfortingly and said I understand, I understand, when she heard the back, she was surprised and directly grabbed Li Dan's hand and asked anxiously, "You have no money?" That old money is gone? ”
Li Dan looked at her funny and was more anxious than the one who owed money, "Yes, I thought that the loan was not for my own use, Aunt Zhang, think about it, my supermarket has opened well, although I can't make money every day, but it's okay to fool myself into eating and drinking, my own words, why should I take such a big risk to borrow money from the bank, you don't know, the interest rate on the loan from the bank is not low." ”
Li Dan had already thought about what he said to the outside world, and he definitely couldn't say the real use of this money, so he could only make up nonsense.
"That's right, when I heard that you took out a loan, and you borrowed so much at once, it scared me. We are just ordinary people, we have borrowed so much money, when will we be able to pay it back. I've heard that borrowing money from the bank is not so easy to borrow, it's not like between us, if you really don't make a hand in your hand, it doesn't matter if it's a day or two late, the bank is impersonal, if you pay it back a day late, you can let the public security bureau arrest you. "What Zhang Shulan said is serious.
Li Dan nodded approvingly, "That's right, if I was short of money, I would have asked Aunt Zhang to help me turn it upside down, with our relationship, Aunt Zhang will definitely be able to help." I really didn't borrow money from the bank this time for myself. ”
When Zhang Shulan heard Li Dan's words that she wanted to borrow money from her, she pulled out her hand without a trace, and unconsciously touched her sideburns. She and Li Dan are not very familiar with each other, if Li Dan really opens her mouth to ask her to borrow money, then she doesn't have to think about it, she definitely won't borrow.
"That's, that's, it's just that you also know the conditions of my family, if you eat the last meal or not, even if you have the heart to borrow money, you can't do anything."
Of course, Li Dan can feel Zhang Shulan's emotional changes, and she is very disdainful of such a person, but she doesn't want to offend people when there is no conflict of interest, after all, her supermarket is within Zhang Shulan's sphere of influence, if she offends people, if she wants to embarrass herself, it will be difficult for her.
"I know this, no one is rich now, so I borrowed the money I borrowed through others and lent it out again."
Li Dan began to explain to Zhang Shulan why she wanted to take out a loan and why the loan money was not in her hands.
Of course, these are all made up by Li Dan, just to block the mouths of the people.
"You're saying that you gave that old money to someone else, and the interest rate is higher than the bank." Zhang Shulan asked with some disbelieving.
"Of course, if I don't need that old money myself, I just think that now there is such an opportunity, I change hands like this, and I don't have to pay back the money, and I can make a small profit in the end." Li Dan thought about it for a long time before she thought of this reason, if she said that she was not good at all, others would not believe it, so she directly said that she earned some intermediate fees from it, the money was not much, it was not eye-catching, and it was reasonable.
"Do you know anyone? If someone runs away, the bank won't be able to look for you. Zhang Shulan didn't understand it completely, she still didn't believe it.
"Aunt Zhang, I'm not stupid, I would have found someone to investigate before lending money to people, and I can only give money if it is safe and reliable, otherwise if people run away, I can't afford to change that old lot of money in my life." Li Dan's far-sighted appearance is still very convincing.
At least Zhang Shulan was fooled into believing it. (To be continued......)