Lin Ziran did not decide to come down to Nanzhou Bank for a loan at the first time, just like Nanzhou Bank needs to assess the risk, he also needs to assess the risk.

After all, the loan of Nanzhou Bank is not so easy to get, the interest rate is very high, the annual interest rate has reached 20%, and it also needs Tsingshan Petroleum Company as collateral.

In addition, they will have priority purchasing rights for kerosene after the expansion.

If everything goes well, the interest is nothing, but if it doesn't go well, the loan may not be repaid, and the people will directly transfer the debt to the county warden.

No matter how arrogant Lin Ziran was, he didn't think that he would be able to resist the county guard's door-to-door account.

But by the afternoon, he had made up his mind.

Because the profit of kerosene is too high, the cost of a barrel of kerosene, including all the costs of extracting and refining oil, is only about 5 Heng Yuan, but the price of Tsingshan Petroleum Company's wholesale sales to the outside world has reached 60 Heng Yuan.

With such a terrible profit, even if the interest rate of the loan is high, as long as the refinery is put into operation smoothly, it will not take long to repay the loan.

Besides, as long as the income increases after the expansion, it won't be long before he boasted to Xu Zhongshu that 3,000 soldiers were trained in Haikou, and it was estimated that it would become a reality.

At that time, there are 3,000 elite soldiers in hand, which is enough for him to control the situation in the two counties, not to mention the Nanzhou Bank, Cheng Lingfeng can not use him.

After making up his mind, Lin Ziran quickly cut through the mess, and directly found Zhou Li again and agreed with him on the preliminary loan terms.

However, Zhou Li's ostensible identity is still the manager of Hongxiang Commercial Bank Sanyang Ferry, and he only secretly represents the interests of Nanzhou Bank, he can negotiate with Lin Ziran about the general conditions, but in the end, it has to be the senior management of Nanzhou Bank.

After all, this is not a loan of tens of thousands of yuan, but a loan of more than 100,000 yuan!

Ding Quankun and they have calculated, if the refinery wants to expand production, the cost is not low, although it is said that the land does not need money, but everything else costs money except the land.

Even if the plant can be built by yourself, the labor cost and material cost of building the plant also cost money.

In order to maintain the operation of the refinery, it is necessary to poach a group of technicians from the outside world, and at the same time, it is necessary to hire a large number of ordinary employees and train them locally, which also requires a certain amount of money, especially the investment in recruiting technicians is relatively large, because if you don't give enough money, people will not follow you to work in the remote place of Qingshan Town.

And then there's the huge cost of equipment purchases!

Contemporary mechanical products, especially the steam engine, which represents the highest industrial technology of our time, are even more outrageous.

Take the Rhodes steam engine purchased by Tsingshan Petroleum Company as an example.

Rhodes steam engine is a steam engine produced by Rhodes Machinery Co., Ltd., the main industrial steam engine, low coal consumption, low failure rate, easy maintenance, performance is quite good, and the price is equally gratifying!

Any one costs thousands of constant yuan, and if it is a large steam engine, it is tens of thousands or even more expensive.

In addition to the steam engine, other kinds of machinery and equipment are not cheap, many things seem inconspicuous, but the technical content is not low, and the price is very expensive.

This price often does not include the freight along the way, if you want to transport machinery and equipment from Luohai City back to Qingshan Town, the freight itself is nothing, the key is that several feudal towns along the way have set up checkpoints to collect taxes, which is not low.

At the same time, there is no machinery manufacturer in the world that specializes in the production of oil refining equipment, so the refining equipment of Tsingshan Petroleum Company actually purchases various parts and components by itself, and then assembles it by itself.

In this way, it actually pushes up the overall price of refining equipment.

If the Qingshan Refinery wants to increase its refining capacity of 500 barrels of crude oil per day, it will need to build a large-scale plant, purchase oil refining equipment, lay oil pipelines, and so on.

For Lin Ziran, who is now under huge pressure to raise an army and can't even take out a few thousand Hengyuan in his pocket, this 100,000 Hengyuan can't be taken out by himself no matter what.

So borrowing is a must.

After Lin Ziran and Zhou Li finalized the initial cooperation intention, it didn't take a few days for Zhou Li to officially bring someone from Nanzhou Bank to the door.

"This is Mr. Wu Shenxuan, the commercial loan manager of the Luo'an County Branch of the Bank of Nanzhou!"

"This is the patrol battalion officer of Qingshan Town that I have mentioned to you many times, Lord Lin, the general manager of Qingshan Petroleum Company!"

After Zhou Li's introduction, he consciously stepped aside and didn't speak, although he himself worked for Nanzhou Bank, but he still acted as an intermediary to help pull a business or something, and his main job was to work on behalf of Nanzhou Bank in Hongxiang Commercial Bank.

He could briefly talk about this loan before, but the specific affairs now have nothing to do with him.

At this time, Manager Wu Shenxuan of Nanzhou Bank took two steps forward with a bright smile on his face: "Lord Lin, I've been looking up for a long time!" ”

Lin Ziran was also smiling: "Manager Wu has been tired all the way, and for my little thing, Lin is really sorry!" ”

Wu Shenxuan still smiled and said: "It's fake to come over in a hurry and say that you are not tired, but this is to make money to support your family, no matter how tired you are, you have to come over!" ”

The two entered the main hall while talking, and then sat down separately, the two simply said a few polite words, and then Wu Shenxuan went straight to the topic: "This time for the loan, we have already made a simple assessment in the early stage, but there are still a few questions that need to be determined with your side." ”

Lin Ziran said: "Manager Wu, please speak!" ”

Wu Shenxuan said: "First of all, we have to make sure that this money must be used for the expansion of kerosene production, so we will send someone to supervise the use of this fund." ”

Lin Ziran said: "You can rest assured of this, if nothing else, more than 80% of this money will be used to purchase various equipment, and you will know if you inquire about it at that time!" ”

"According to our previous negotiations, we will have priority in purchasing kerosene, and we are asking for priority in purchasing at least 50 barrels of kerosene per day," Wu said. ”

For Nanzhou Bank, borrowing money to earn interest is their old business, but other money-making businesses are also capable of doing, such as this kerosene business.

Therefore, obtaining the right of first refusal to purchase through borrowing is one of the important reasons why Wu Shenxuan personally came to Qingshan Town.

After saying this, Wu Shenxuan continued to look at Lin Ziran with a smile on his face!

But he soon found that Lin Ziran on the opposite side was also looking at him with a smile!