Cui Wending was shuttling back and forth in the hall, but saw a middle-aged man in a plain jacket sitting in front of a "loan officer", talking red-faced. The loan officer seemed to have rejected www.biquge.info the man and wanted to drive him away. But the man was not convinced, and sat in a chair and refused to leave.

The loan officer beckoned the loan applicant behind him to come up, but the chair was occupied by the middle-aged man, and the other applicants could not speak.

The loan officer frowned, and was about to call the "security guard" to come out and drag people out.

Cui Wending looked at the middle-aged man and saw that although he didn't leave, he didn't have a rogue temperament. A face was flushed with urgency, obviously in a hurry.

Seeing that the loan officer really got up to call the "security guard", Cui Wending coughed and stepped forward to stop the loan officer. He stood in front of the middle-aged man and looked him up and down, and asked, "This merchant, why are you repeatedly pestering and refusing to leave?" ”

The middle-aged man looked at Cui Wending, and when he saw Cui Wending's face was light and breezy, and he was wearing a satin jacket, he knew that this must be someone in charge. The middle-aged man thought about it, stood up and shook his hand with Cui Wending, and said, "This nobleman! I planned a good deal that was bound to succeed, and took out a loan with the mortgages of relatives and friends' homes and fields. However, I ran all over one bank in the Acropolis and three banks in Fanjiazhuang, but they were all rejected by the loan officer, which I really couldn't accept. ”

Cui Wending looked at the loan officer, and the loan officer said, "President, you believe me, this project is too risky to do." ”

Cui Wending originally hoped that the loan officer would explain the ins and outs of the matter clearly, and then he could make his own judgment. Unexpectedly, when the president of the branch first arrived, the loan officer in the branch was not convinced. The meaning of this loan officer's words was clearly that Cui Wending didn't know how to do it, so he asked Cui Wending to leave this matter alone.

Seeing the attitude of this loan officer, Cui Wending frowned, and was a little annoyed in his heart.

He walked up to the loan officer's position, waved his sleeve and said, "Get out of the way!" ”

The loan officer was stunned, looked at the middle-aged merchant opposite, and looked at Cui Wending. After staying for more than ten seconds, he stood up helplessly and gave up his position to Cui Wending.

Cui Wending sat down in the position of the loan officer, knocked on the table, and asked, "I am Cui Wending, the president of this bank." You say, what's your project! ”

That Fu Yifa saw that the president of the branch came to review his loan in person, and his face was happy.

He pondered the words and said: "President, my business is the idea that I have carefully considered for half a month, inquired a lot about the owner of the Liaodong farm, and observed it twice in Liaodong. Specifically, it is to be anxious about what people are anxious about and think about what people think. ”

Seeing that Fu was vibrating, Cui Wending nodded and motioned for him to continue.

"This time, a large number of meritorious employees of Jin Guogong divided the fields in Liaodong. Those large households with more than 300 acres of land are fine, and it is good to send a relative or hire someone to take care of the grange in Liaodong. However, for some small households that only have 30 or 50 acres of land, it is very difficult to manage the fields. ”

"If you want to collect 50% of the land rent in the dry land of Liaodong, you must use the agricultural machinery of Jin Guogong to let a tenant farmer plant 100 acres. But this is a complex way to grow it. Not only must we buy cattle and machinery, but we must also dig ditches and set up water wheels for canal irrigation, otherwise we will not be able to plant 100 acres of water by manpower. ”

"All in all, managing such a new grange is time-consuming and costly, and it is impossible for a tenant farmer to have the financial resources to carry out these upfront constructions. Small landlords must pay for the operation, but if a small landlord with only a few dozen acres of land hires one person to manage it, he will not be able to make ends meet, and he will not be able to collect 50 percent of the land rent if he does not hire a special person to manage it. ”

"So I designed a special overall sale for the needs of these small landlords. The farmer gave me the farm, signed a five-year contract, and I helped the farmer to build the canal, set up the waterwheel, use the farmers employed in my 'service team' to use agricultural machinery to plough the land, and finally the farmland was harvested and the income was distributed to the small landlord. The landlord is three, and I have seven. ”

Hearing the words of this middle-aged man, Cui Wending's eyes lit up.

It's a creative deal.

Li Zhi's land allocation this time produced a large number of small landlords in Liaodong, and the land management of these small landlords was a big problem. Li Zhi didn't have time to solve the problem all of a sudden, but he was managed to solve it by this Fu Yifa idea. As soon as he sent money to build irrigation machines to cultivate the land, the small landlord did not have to take care of anything, only to collect money.

Of course, this kind of direct loan is more risky for large landowners. Because Fu Yifa's trading requires a large amount of original investment, it is not certain whether he can successfully attract business in the end.

The key is to look at the quality of the collateral of Fu Yifa, if the value of the collateral of Fu Yifa is stable, the risk of the loan can be controlled.

Moreover, Fu Yifa's loan is five years, and banks don't like to make loans for such a long time.

Cui Wending smiled, poured a cup of tea for Fu Yifa, and asked, "Dare to ask the merchant what do you use as collateral?" ”

Fu Yifa looked at the green tea on the table and said nervously: "I mortgaged the houses and fields of more than a dozen relatives and friends. The value of these houses and fields is 2,400 taels, and I have a loan of 1,500 taels. This 1,500 taels can be bought and sold for 800 mu, and the cost will be recovered in four years. ”

"Dare to ask if these houses used as mortgages are all occupied by the owner? These fields are cultivated by the landlords? ”

Fu Yifa swallowed his saliva and nodded.

Cui Wending pursed his mouth, understanding why the loan officer just now was unwilling to lend to Fu Yifa. Owner-occupied houses and farmland can also be mortgaged, but they are the worst collateral. In the event of a bad loan, it is impossible to pay it off. No matter how fierce the banks of Jinguo Gong were, it was difficult to drive homeowners into the streets and confiscate the fields on which yeoman farmers depended.

Cui Wending pondered for a moment and said, "Your business, our bank can do it!" ”

The middle-aged merchant's eyes widened with excitement and said loudly, "Really? ”

Cui Wending smiled and said: "The risk of your transaction lies in whether you can receive the business, this transaction is a completely new transaction, the landlords may not accept it, according to your ability, this risk is indeed uncontrollable." But if you find me Cui Wending, this risk is not a problem. ”

"I will find Zheng Yuan, the governor of Liaoning, and ask the governor to publish an article in the newspaper about your business, and encourage everyone to accept your business model. The governor of Liaodong has spoken, and the landlords will naturally no longer hesitate to make a deal with you. ”

Fu Yifa's eyes lit up when he heard Cui Wending's words.

Cui Wending said with a smile: "Of course, after the newspaper is published, there will definitely be more people doing this business, and it will not be your family's unique business at that time." As you just said, the profit of this transaction is very high, and it can be said that it is a profiteering transaction. I am afraid that there will be an influx of countless businessmen into this business. ”

Fu Yifa said loudly: "It's okay! I'm willing to let the governor publicize it in the newspapers! ”

The loan officer who was standing next to him saw that Cui Wending had negotiated the loan, and his eyes widened. However, when he saw Cui Wending say that he had asked the governor of Liaoning to make a recommendation, he solved the main risk of this transaction, and he admired Cui Wending a little. His attitude was more respectful than just now, and he bent down to Cui Wending's ear and said, "Governor, even if the risk of this transaction is controllable, this collateral is really too bad!" ”

Cui Wending laughed and said to Fu Yifa: "I participated in the half-month president training of Jinguo Gong, and I was repeatedly instilled with a sentence: 'The role of banks is to manage risks'. The higher the risk, the higher the return. If the collateral is worse, the interest on our loan will increase accordingly. Mr. Fu, the ordinary loan interest rate is 4% per month, and I will charge you 1 cent per month, do you have no opinion? ”