Ma Lanhua hurriedly asked, "Xiaobai, do you really have any good ideas?" ”

"Yes, loan installation phone."

"Loans?" Wang Xingzeng was stunned, he knew that a loan was borrowing money.

Borrowing money to install a telephone, Wang Xingzeng couldn't think of it at all.

This idea was learned by white hands from the two brick books given to him by Mr. Ding.

"Xiaobai, you say be specific." Wang Xingzeng took the initiative to hand the cigarette to the white hand.

"Actually, I'm talking about a concept, which is investment. Investment is to lend money to those who have money, and to use tomorrow's money today......"

Wang Xingzeng and Ma Lanhua were confused.

In fact, the white hand himself was confused, and he said a lot, and he didn't know what he was talking about.

Ma Lanhua smiled bitterly: "Xiaobai, I don't understand a word of what you said." ”

Wang Xingzeng also had a bitter look on his face, "Xiaobai, I'm sorry, can you say it clearly, what should I do?" ”

"Well, I'll make it clear. Wang, let's get together 40 phone users first. Originally, there were 10 telephones in the township, and one telephone in an administrative village, which added up to 25. For the remaining fifteen gates, it shouldn't be difficult to find one household in each village on average. ”

Wang Xingzeng nodded and said, "It shouldn't be difficult to find a household in a village. Like your village, you Xiaobai, and Chen Yunhai from the shop, plus Chen Cuihua, there are three families in one village. However, it may be difficult to have a phone in this administrative village. ”

Ma Lanhua said: "What is called may be difficult, it is simply too difficult." For example, our Baicun Village Department has an income of less than 2,000 yuan a year, and its expenses are about 2,000 yuan a year. Xiaobai, you asked me to take out two or three thousand yuan to install the phone, where can I find these two or three thousand yuan? ”

Bai Shou said: "Sister Ma, let the village pay a thousand yuan first, and pay back the rest of the money slowly." For example, if you pay off a little in a month and pay it off in three years, will the village dare to install a telephone? ”

"In that case, I'm sure I'd dare."

With his white hand, he said to Wang Xingzeng: "Lao Wang, the village phone calls of the fifteen villages are all according to this method, isn't it all solved." ”

Wang Xingzeng nodded, "That's a good idea." But where did the 130,000 yuan come from? ”

"The source of these 130,000 yuan can be divided into several parts. One, fifteen village telephones 15,000. Second, 10,000 yuan for ten telephones in the township. 3. Fifteen private telephones, the initial installation fee is 2,000 yuan each, and 30,000 yuan can be charged. ”

Ma Lanhua said: "This adds up to only fifty-five thousand, which is far from enough." ”

Wang Xingzeng said: "Xiaobai, wait, forty telephones, 130,000 yuan five, the initial installation fee for each phone should be three thousand four." ”

"That's the problem. If you say three thousand four, people won't dare to pretend. If you count it according to sixty-four doors, the initial installation fee for each one is only two thousand one. The discount for loading first, two thousand yuan a door, Lao Huang, guess what will happen? ”

Wang Xingzeng said: "As far as I know, the initial installation fee has been reduced to 2,000 yuan per unit, and there are not only fifteen private telephones, but at least ten more." ”

The white hand said to Ma Lanhua: "Sister Ma, isn't this another 20,000 yuan." ”

Ma Lanhua said: "Fifty-five and twenty thousand is seventy-five thousand, and there is still a difference of 60,000 yuan." ”

The white hand turned to Wang Xingzeng again, "Lao Wang, when you apply to the bureau, you owe the bureau 30,000, pay back 10,000 a year, and pay it off in three years, will the bureau agree?" ”

Wang Xingzeng thought for a while, nodded and said, "I should agree." Because the program-controlled switch is placed in the bureau warehouse, it is better to take it out and use it first. ”

Bai Shou continued to ask: "There are still 30,000 yuan, in the name of the township post and telecommunications office to borrow from the bank, guaranteed by the bureau and the township, can this be done?" ”

"As long as there are banks willing to lend, of course, there is no problem, but are there any banks willing to lend?"

Whitehand smiled, "Bank, I'll help you find it." ”

Wang Xingzeng hurriedly asked: "Xiaobai, aren't you joking?" ”

"I swear I mean it."

Wang Xingzeng's spirit was greatly lifted, "In this way, 135,000 yuan will be gathered." ”

Ma Lanhua asked again: "Xiaobai, if you take a loan from the bank, you have to pay interest." According to what you said, will Lao Wang's post and telecommunications office lose money? ”

The white hand smiled: "The wool is out of the sheep, and the loss will definitely not be lost." By the calculation just now, there were still fourteen empty telephones. We might as well stipulate that the initial installation fee for installation next year will be set at 2,003, 2,060 for the year after next, and 3,000 for the year after tomorrow. In this way, in less than a year, I promise to recover 30,000 yuan. ”

"Xiaobai, you continue." Wang Xingzeng gave a thumbs up to his white hand.

"In the next three years, the initial installation fee for telephones in each village will be collected one after another, and this amount will also be 15,000. Ten telephones in the township can also recover 10,000 yuan. Lao Wang, Sister Ma, on the total account, do you only owe 5,000 yuan? ”

Wang Xingzeng and Ma Lanhua nodded in unison.

"Lao Wang, the remaining 5,000 yuan, as long as you start installing the phone, I guarantee that you will be able to earn it back immediately."

"How do you earn it?"

"One, forty or fifty telephones plus extensions, at least a hundred, you take the business. If you make thirty dollars for a telephone, you can earn three thousand dollars. Second, bury the pole and pull the wire, from the township to the village, so many wires and poles, the bureau makes a big head, and the post and telecommunications office earns a small head, and it should not be a problem for this small head to earn one or two thousand yuan. ”

Ma Lanhua smiled, "The last 5,000 yuan has also paid off." ”

"And so. The monthly fee for the telephone is fifteen dollars per month. Wang, you can make an application report and adjust the monthly fee. The monthly rent is 25 yuan this year, 22 yuan per month next year, and 18 yuan per month the year after. For the next five years, the monthly rent is sixteen yuan. Lao Wang, think about it, with this income, is the interest you pay to the bank enough? ”

Wang Xingzeng patted the stone table and said, "Enough, it's enough." ”

Ma Lanhua was also so happy that she forgot to disguise, and pushed Wang Xingzeng with her hand, but she didn't take her hand back, "Lao Wang, what are you waiting for, hurry up to the bank with Xiaobai." ”

With a clear plan, the rest is easy.

Wang Xingzeng took his hands to the county seat, and went to the post and telecommunications bureau first, where he turned his white-handed thinking into his own plan and reported to the bureau leaders.

The leaders of the bureau were worried about the program-controlled switch in the warehouse, discussed it, and approved Wang Xingzeng's plan.

The bank side is more manageable, Meini's Construction Bank Chengguan Office, after the opening of a lot of deposits, is trying to take out loans.

With a white hand introduction, and the county post and telecommunications bureau and the township government as a guarantee, a loan agreement of 30,000 yuan was quickly reached.

On the eve of the National Day, the Chen Tongxiang Post and Telecommunications Office changed its guns and successfully opened 64 telephone program-controlled exchanges.

Of course, the white-handed family is also flourishing, and with the TV first, it can attract hundreds of villagers to watch TV every night.

Now that he has a telephone, he has become the first person in Baicun to "upstairs and downstairs, electric light and telephone".

What made the white hand cry and laugh was that the first phone call into the house was actually the Tianzhou Public Security Bureau Detention Center.