Xu Jiming looked at the menu, "If you want to be standard, the dishes are served faster, but we don't necessarily like to eat the dishes he serves, of course, the zero points are all to our taste, and the waiting time for the dishes may be longer." ”

"Hey, let's not be in a hurry, wait a long time, just have a chat. Don't be standard, he brought you those dishes that can't be sold, we spent money, what is the picture? Ma Xingwei said.

"Then each of them orders what they like to eat, Jianping, you come first." Xu Jiming handed the menu to Zhou Jianping.

"No, brother-in-law, you come first." Zhou Jianping returned the menu again.

"Don't shirk the two of you, two dishes per person, whoever comes first has a share." Ma Xingwei said.

After ordering, the waiter naturally asks the guests what kind of wine they drink, and their best wine here is Wuliangye. "Then come to Wuliangye." Zhou Jianping didn't know anything about wine, and he didn't know what kind of wine Wuliangye was.

"Jianping, we don't need to drink such good wine." Xu Jiming said.

"I think it's the same, just drink a local wine, it's all your own brothers, there's no need to be so extravagant." Ma Xingwei disagreed.

"I don't know what kind of wine is good, you two must be." Zhou Jianping said.

Xu Jiming ordered a local famous wine, and the three of them drank, and he simply asked the waiter to serve two bottles at the same time.

"Jianping has been very busy, how is the operation of the factory?" Except for Zhou Jianping himself, no one is more concerned about the current business status of Jiansheng Food Factory than Xu Jiming.

"Brother-in-law, today's gathering is to report to you on the production and operation status of the factory."

Zhou Jianping gave a brief introduction to the situation in the factory in the past three or four months, and Ma Xingwei usually has more contact with Zhou Jianping, and he is no stranger to these situations.

Xu Jiming was different, he listened attentively, and praised Zhou Jianping's work and the company's situation, "Jianping, the situation is unexpected, before recommending you to contract, I thought that you would run Jiansheng Food Factory well, but I didn't expect you to run the business so well after only half a year after you took over." ”

"My brother-in-law has won the award, but there is actually a lot of work to be done."

"Everything has to be done step by step, and your work is already fruitful. As far as I know, in the past so many years, Jiansheng Food Factory has never been at full capacity, and now you not only make the production equipment run at full capacity and efficiently, but also the product inventory is not much, which shows that you have done a good job in both production and marketing. Xu Jiming said.

In terms of production, there are not enough people, and Jianping also recruited a group of temporary workers from his hometown village; In terms of sales, Jianping has spent a lot of energy, and now it has finally paid off. Ma Xingwei said.

"Before I went out, I felt that the market was not big, and through some efforts some time ago, I found that the production capacity of those equipment in Jiansheng Food Factory was not large!"

"Jianping, what do you mean, do you want to expand production?" Ma Xingwei first realized Zhou Jianping's purpose.

"I know that there are many difficulties in expanding production, but it is a pity to see that the developed market is not satisfied." Zhou Jianping's expression was solemn.

After waiting for more than half an hour, the dishes were finally served, the waiter and the three guests poured full of wine, Zhou Jianping raised his glass, "Thank you brother-in-law and Xingwei for their support and help to Jianping, I respect the two!" ”

After the three of them clinked glasses, they drank together, put down the cups, and ate some vegetables, Xu Jiming asked: "Jianping, the sales situation seems to be very good now, how about the payment?" Is there a lot of money? ”

"The payment is good, and the payment is about 10 percent."

"It's really good. Xingwei said that you want to expand production, have you let the financial accounts close, how much profit has been in the factory in the past six months? ”

"Because the time for real full-capacity production is only more than two months, the main focus in the early stage is to streamline production, improve product quality and train employees. Yesterday I put the finance on the books, and it was said that there was some profit, but not too much. Zhou Jianping said.

"Are accounts receivable included in the calculation of profits?"

"Accounts receivable are not included, only disposable funds are collected."

"Well, do you have any detailed plans for the expansion?"

"There are no concrete plans yet, only preliminary ideas at the moment. On the one hand, now the sales of this product have indeed come up, and the equipment is running at full capacity, and the inventory is not much; In addition, I learned from customers and grassroots sales staff that although our products are of good quality and have obvious price advantages, they have a single variety of colors, and "Jiansheng brand" is only a product of biscuits, which is monotonous and variety, which is not conducive to the formation of consumers' impression of the brand of "Jiansheng brand", and is not conducive to the development and growth of enterprises. In order to improve this unfavorable situation, I came up with the idea of expanding production. Zhou Jianping said.

"The idea is very good, and only by doing it can the enterprise develop and grow. But Jianping, expansion needs funds! And the funds you have on hand are quite limited. Xu Jiming finally said the crux of the problem.

"Not really. Buying equipment, expanding the site, building a factory, there is no way to talk about anything without money! Zhou Jianping lamented.

"Brother-in-law, since Jianping's thinking is correct and the development momentum of Jiansheng Food Factory is good, can your bank give him any more support?" At every critical moment, it was Ma Xingwei who said what he wanted to say but couldn't say for Zhou Jianping.

"For other enterprises, the bank is very willing to support you in this situation, but the situation of Jianping and Jiansheng Food Factory is a bit special, I am afraid that it will be difficult for the above to agree, and the last working capital loan took a lot of effort." Xu Jiming said.

"What's so special, isn't it because Jianping is a contractor? As long as his business makes money and pays you the principal and interest on time, what kind of business does your bank care about him? Ma Xingwei said.

"Xingwei, you look at the problem too simply, Jianping's contracting operation is not too much of a problem, the key is that the unit of Jiansheng Food Factory is too special. Jiansheng Food Factory itself is now contracted to operate by Jianping, but its previous loan of more than one million yuan, but the debtor is the sub-district office, in the absence of clarity on this matter, it may be very difficult to get further loan support from the bank. Xu Jiming analyzed.

The atmosphere on the table became solemn, except for drinking, the three of them did not speak, and after a period of silence, Ma Xingwei said: "Brother-in-law, I have heard you talk about the old loan from Jiansheng Food Factory a long time ago, and it must have been at least five or six years this time, right?" ”

"The more than one million loans did not happen at one time, nearly ten years have passed, and some of them were handled by my former director."

"That's it, after so many years, didn't your bank want to completely solve it?" Ma Xingwei said.

"The bank can't help but find a way to solve it right away."

"Okay, I'll give you an idea, solve the problem as soon as possible, so as not to join in with the current Jiansheng Food Factory and delay Jianping's affairs." Ma Xingwei said.

"Hoho! Can't see it, Xingwei brothers actually know about the financial industry, why didn't they say it earlier if they had a good idea? Xu Jiming thought Ma Xingwei was joking.

"First of all, I don't know anything about the financial industry, I didn't care about myself before, I don't need to worry about that."

"Since you don't understand the financial industry, what good ideas can you come up with?"

"In the past few years, I have taken time to study law, take self-exams, and am about to graduate from my bachelor's degree. Jiansheng Food Factory has defaulted on your loan before, and the debtor is actually the local sub-district office, so I suggest that your unit can go through legal procedures to recover the old loan through legal means. Ma Xingwei said.

"You mean to have the Associated Press sue the neighborhood office?"

"Yes, because they are the actual debtors of those loans."

"However, the sub-district office is only the lowest level of administrative organs, and if you sue him, even if he wins the lawsuit, he will not have the money to repay the loan!" Xu Jiming thinks Ma Xingwei's idea is not feasible.

"Let me ask you, who owns the Jiansheng Food Factory?" Ma Xingwei was logical and clear, and led the problem step by step in the direction he wanted.

"Of course, it's the neighborhood office!"

"If the sub-district office loses the lawsuit and has no money to fulfill the obligation to repay the loan, your bank can apply to the court to enforce the assets in his name, and isn't the Jiansheng Food Factory their assets?"

Xu Jiming finally understood what Ma Xingwei meant, "Xingwei, this is a good move!" Why didn't you say it earlier? ”

"On the one hand, didn't I say that the affairs of your unit have nothing to do with me, and I couldn't do that before; Also, this method only works under certain conditions, and it won't help to tell you earlier. ”

"Why?"

"Earlier, even if your unit sued the sub-district office and obtained the ownership of the Jiansheng Food Factory, in the half-dead state of the Jiansheng Food Factory at that time, your bank was not only useless in your hands, but also had to pay someone to take care of it, even if you told the unit about this method, those leaders would not agree to do so." Ma Xingwei analyzed.

"It's different now?"

"Yes, after Jianping contracted, the factory came to life, and if the bank obtained the ownership of Jiansheng Food Factory through legal procedures, there would be a way to deal with it."

"That makes sense!" Xu Jiming slapped the table, "Come, drink!" What you say makes me want to do right away. ”

"Don't get excited, I've been waiting for so many years, and you still care about ten days and a half months?" Ma Xingwei persuaded.

"I'm not in a hurry, Jianping is in a hurry! If you want to expand production, can you do it without funds? Even if I wanted to help him, if this matter was not straightened out, it would be useless to apply for a loan. Xu Jiming said.

"Just hurry up later, you see the patronage talking, the wine hasn't been drunk yet, come, let's toast the three of us together!" Ma Xingwei took the lead in raising a glass.

Seeing the two friends racking their brains for their own affairs, Zhou Jianping was naturally very moved, "Thank you brothers for your advice on my affairs, I respect the two of you!" ”

"Sit down, brothers, don't be so polite, let's just drink together."

Putting down the cup, Ma Xingwei said: "Jianping, if you expand production, there will definitely be not enough manpower in your production workshop, and you have to go back to your hometown to recruit people, right?" ”

"No, in the first two years of the subsidiary, I knew that the operating conditions on the production line were relatively difficult, and there was some dirty work, and few young people in the city were willing to do such work, so they had to go back to their hometown to recruit people if they needed manpower." Zhou Jianping said.

At this stage, ordinary employees are always easy to solve, the same job, you are afraid of the difficult conditions and do not want to do, you can always find someone willing to do this work, this is the biggest advantage of a large population.

Ma Xingwei proposed, "Jianping, let's respect Director Xu together, now that we have the idea, I look forward to him seizing the time to implement it as soon as possible." ”

"Don't worry, I'm more anxious than both of you."