Chapter Ninety-Three: The Purpose of the Bank
For Chen Liqun's sudden change in attitude, the landlords were not surprised at all, borrowing money, there must be some conditions.
The landlords behaved calmly.
"Well, it seems that all uncles and uncles have figured it out, and I can't scare you." Chen Liqun was not surprised, and said directly: "Next, let's enter the normal procedure." "
"To borrow money, uncles and uncles can propose, but what do you want to borrow money for, how much money is needed, how to use the money, our bank must know, if it is reasonable, our bank will borrow money!"
"Otherwise, there is no reason for people to borrow money. Money from our bank is not so easy to borrow either! Chen Liqun loudly announced the rules for borrowing money.
"What? Need an excuse to borrow money? As soon as the words fell, the fat landlord was a little stunned.
He only knew from Zhang Xianmo that he had to borrow money no matter what method he used, and now it was a bit surprising that there was such trouble in borrowing money.
"Of course, Uncle Lin, of course there must be a reason to borrow money." Chen Liqun explained indifferently: "Even if I go to borrow money from you, you need to find a reason, find an excuse before you can lend me money, right?" "
Chen Liqun said: "We are a bank, and the money lent out by the bank also needs to make money. Otherwise, if you can't afford to repay the money lent out by our bank, then our bank is not at a loss? "
"Moreover, the money we lend is also for you to make money, and if you can't make money, we can lend money to you."
"So, before borrowing money, I want you to think about what projects you have and what you can pledge. Our bank will review it the next day, and if we can, we will release the loan! "
This is probably the bank's borrowing procedure, Chen Liqun just finished speaking, and found that the faces of the landlords had changed a little.
They all thought that they didn't need any price to borrow money, but now Chen Liqun actually said that they wanted to mortgage things and projects.
This made them hesitate again. What projects can these landlords have?
"Little nephew Liqun, I want to borrow money to run a school, and also run an agricultural school like yours in our town, what do you think, can you borrow this money? I can use our family's land as collateral. When most of the landlords fell silent, the Yang landlord suddenly raised his hand.
Suddenly, all eyes were on Landlord Yang.
Yang landlord, whose full name is Yangsheng, is from Gaoping Township, Pingyue, and is also a person in the late Qing Dynasty and a scholar.
No one thought that this usually quiet scholar would be the first to borrow money.
Chen Liqun was also stunned for a moment, then hurriedly lowered his head, and after seeing something, he hurriedly raised his head and said: "Uncle Yang, you borrow money to run a school, it's not that you can't, it's just that if you run a school, Uncle Yang, if you can't make money, your land will be given to our bank for nothing." "
School is an unprofitable investment, Chen Liqun knows it very well.
"Not making money?" Yang Sheng said: "Why don't you make money, I think Liqun and your Pingyue Agricultural School can make money, why do I open a school in Gaoping, will I not make money?" "
Chen Liqun was suddenly stopped by Yang Sheng.
Yes, other schools don't make money, but only Chen Liqun and his school make money, but this kind of money also needs to be supported by a certain degree of industry and industrial model.
The specific reason for making money in agricultural primary schools is three words: labor.
Free, cheap labor.
Students attending classes at Binh Viet Agricultural Elementary School are assigned to help out in the fertilizer department, recycling and processing department, cosmetics production department, and crop cultivation department except for the necessary courses.
This learning mode is what Chen Liqing calls learning practice.
Learn by doing, practice by learning. Only those who are cultivated in this way can be counted as talents.
Of course, this is also because Chen Liqing wants to quickly train some professional workers, so that these students can participate in work practice so early.
The benefits of this are considerable, not only saving labor, but also producing products that can be sold for money. From the side, it is to make money for the school, but in other aspects, it has caused a certain number of unemployed people in Pingyue now.
As for how to deal with these surplus laborers, the Bank of China naturally has a way.
Of course, Chen Liqun can't explain these truths in detail here. However, he still explained it in simple words: "Uncle Yang, the reason why our school makes money is because we have so many jobs in Pingyue and can produce products to sell. "
"Soap, face masks, fertilizers, honeycomb coals, all kinds of vegetables – these are all produced by these students."
"And if you open a school like this in Gaoping, then think about it, what do your students have to produce in order to sell it for you?"
Ascension fell into thought, yes, they Gaoping had nothing, not even soap, material scarcity.
Looking at Ascension thinking, Chen Liqun breathed a sigh of relief.
"Liqun, are you saying that if we Gaoping also have so many factories in your Pingyue, we can also open a money-making school like yours?"
Soon, though, Ascension grasped the key point and raised his head again.
This time, Chen Liqun nodded with some relief, "Yes, Uncle Yang, if you Gaoping also have products similar to ours Pingyue, the school you opened will be able to make money." "
Yang Sheng finally got his head and said, "You mean, if I want to open a school, why don't I borrow money first and build these factories in Pingyue?" "
Chen Liqun was immediately overjoyed and said, "Uncle Yang, your answer is correct, your thinking is right!" "
couldn't help but make Chen Liqun unhappy, and Yang Sheng finally followed his train of thought and thought of something with a real surname.
That's right, Chen Liqun borrowed money this time, basically to revitalize the entire Pingyue economy.
If the 100,000 people in Pingyue are produced together, then according to the average production of five cents per person per day, the economic benefit generated by 100,000 people per day is 10,000 yuan.
Ten days is 100,000, 100 days is million, and a year is 3.6 million.
If all of the 3.6 million yuan of GDP were to be settled in the new currency of the Bank of China, it would also increase the wealth of the Bank of China in disguise.
With so much money, of course, it is faster than the money that Chen Liqun and his people slowly got from business.
And if there is so much money circulating in Pingyue, it will be evenly distributed to everyone, and the people of Pingyue will be rich.
When the time comes, what is produced can be digested internally by Pingyue.
For example, there is not much market for soap in Binh Viet because the people of Binh Viet cannot afford it. And if the people of Pingyue have money in their purses, the soap can be consumed inside Pingyue.
This is called investment driving domestic demand.
As long as the money circulates, even if Chen Liqun and they issue a pile of blank paper, they have purchasing power, and it can also be called money.
"Borrow money to open a factory?"
Chen Liqun's obvious reaction made Liu Songren fall into thought.
"Then I want to borrow money from us in Gaoping to build a factory to produce soap, and that's okay?" Yang Sheng looked at Chen Liqun so happy, and couldn't help but say.
Everyone raised their heads and looked at Chen Liqun.
And Chen Liqun lived up to expectations and nodded at Yangsheng: "If Uncle Yang really has this heart, it's not impossible." "
"Our bank can even contact the head office of Pingyue and ask them to send someone to hand over the technology of soap production to you," Chen Liqun calmly added a condition that shocked all the landlords.
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