Jiang Xiaobai said: "After the factory is built, machinery and equipment are needed, and the government will need to help with the procurement procedures at that time." ”

In 1983, most of the resources were in the hands of state-owned enterprises, and many machinery and equipment could not be bought with money, and many of them required the government to provide procurement certificates.

Vice Mayor Zhang knows this.

Nodding his head, he said, "That's fine." ”

Jiang Xiaobai said happily: "As long as the government gives the procurement procedures, I will pay the money myself." ”

Vice Mayor Zhang Yile, "You still want the government to give you money!" ”

Even if this matter is settled, Vice Mayor Zhang called Ding Junjie and asked him to take Jiang Xiaobai to implement the procedures for 100 acres of industrial land.

At this time, although the government does not need money to allocate industrial land, the procedures that should be done still need to be done.

Also, Jiang Xiaobai asked Ding Junjie to handle the indicators of the three cars.

Ding Junjie was extremely efficient, leading Jiang Xiaobai to handle the registration of factory construction information, handling licenses, land selection, and land use procedures, all of which were completed in three days.

At the same time, the indicators of the three cars that Jiang Xiaobai asked for were also given to him.

A Tianjing 212 jeep costs 31,000 yuan, and it costs 33,000 yuan to complete the formalities.

The price of the 130 small truck is slightly more expensive, close to 80,000 yuan for two.

After getting the indicators of three cars, Jiang Xiaobai was excited and had a headache.

If you buy three cars, it will cost more than 110,000 yuan.

But the money he has now is far from enough.

If the money is not enough, the bank will make up it.

Jiang Xiaobai knows that the current bank is different from the future generations.

In later generations, people begged for bank loans, and banks also looked at qualifications and credit, etc., in short, it was difficult to get loans.

But in 1983, it was the other way around, and the banks wanted to lend money, but they couldn't.

The common people of this era are ashamed of being in debt, and no one is willing to take out loans at all.

Of course, the main reason is that at this time, the people do not know how to invest, nor do they know how to manage money, let alone consume in advance, and it is useless to take out a loan.

The times are different, and people's thinking is different.

After Jiang Xiaobai and Ding Junjie separated, they directly drove to Huaguo Agricultural Bank on Qingzhou Road.

"Boss Jiang, you're here to save money again!"

Jiang Xiaobai took Lin Jiayin to deposit money every day, and the bank staff almost knew him, a female bank staff member asked with a smile.

Jiang Xiaobai said: "I want to find your president, where is his office?" ”

"Ah, you're looking for our President Zhu!"

The female staff said, "I'll take you." ”

Jiang Xiaobai thanked her and followed her up to the second floor from a staircase next to the bank's business hall.

"President Zhu, Boss Jiang said that he wanted to see you, so I brought him up."

The female staff member knocked on the door of the president's office, stood in the doorway, and said inside.

"Oh, it's Boss Jiang, please come in."

The president's name is Zhu Guofu, he doesn't know Jiang Xiaobai, but he knows that he is a big customer of the bank, saving thousands of yuan every day, and he also knows about the three meals and the Qingjiang braised prawn restaurant, and he has also eaten a few times.

"Hello President Zhu!"

After Jiang Xiaobai entered the door, he handed over a Huazi and said hello with a smile.

"Come on, come on, smoke me!"

Zhu Guofu blocked the cigarette handed over by Jiang Xiaobai, and at the same time took out his own cigarette and handed it to Jiang Xiaobai, "Boss Jiang, sit." ”

Smoke is the same smoke, it's all Huazi.

But there is a polite question here, who pretends to be a cigarette, who is more polite.

Zhu Guofu rushed to pretend to be a cigarette, that was to treat Jiang Xiaobai as a guest.

"I'll pump yours, you smoke mine!"

Jiang Xiaobai took the cigarette handed by Zhu Guofu and insisted on handing his cigarette to Zhu Guofu.

Zhu Guofu took it with a smile.

"Boss Jiang, why don't you have time to sit here with me today?"

Jiang Xiaobai lit a cigarette for Zhu Guofu and lit it himself, before he said solemnly: "I'll come to President Zhu for a loan!" ”

"Loans!"

Zhu Guofu was stunned at first, and then he was overjoyed.

Now the bank has a loan task every month, but he begged his father to sue his grandmother, and only lent out 3,000 yuan this month, and no one was willing to lend money at all.

Unexpectedly, Jiang Xiaobai actually took the initiative to take out a loan.

He knew that Jiang Xiaobai's wife Lin Jiayin's account would deposit thousands of yuan every day, which was not bad at all!

"Boss Jiang, how much do you want to borrow?"

Zhu Guofu asked with some excitement.

"President Zhu, how much can you lend me?"

Jiang Xiaobai didn't answer the rhetorical question, and looked at Zhu Guofu with a smile.

Yes?

Zhu Guofu was stunned again, is there still such a question for loans?

Isn't it true that you can borrow as much as you need?

For him, of course, he hopes that Jiang Xiaobai will borrow as much as possible, and it is best to complete his loan task.

However, with such a large sum of money, I am afraid that Jiang Xiaobai will not be able to borrow so much.

smiled and said, "Our bank's loan task in the first half of this year is 3 million, which is also the largest amount I can release." ”

Jiang Xiaobai frowned slightly: "Then I'll take out a loan of 3 million!" ”

When the words fell, the cigarette butt in Zhu Guofu's hand almost fell to the ground.

He stood up and asked in a trembling voice, "You...... Are you sure it's a loan of 3 million? ”

The bank had a loan task of 3 million yuan in the first half of this year, and seeing that at the end of June, the money lent out was less than 10,000 yuan, he said it in front of Jiang Xiaobai, and he was just laughing at himself, but he didn't expect Jiang Xiaobai to really say that he would borrow 3 million.

"Can I borrow more?"

Jiang Xiaobai smiled, "If I can borrow 10 million, I can do it too!" ”

Now is the time for reform and opening up, all economic development is still in the groping stage, and the financial policy is not only very lenient, but also very chaotic.

In order to stimulate the economy and speed up the pace of development, the state has allocated funds for repurposing, and these loans are not only interest-free, but also have no agreed repayment period.

But there is one thing, this loan will always exist, and it needs to be repaid by the father and the son.

This clause would have been invalid if it had been placed in later generations, but it did exist in the 80s, and it was clearly written in the loan contract.

Originally, there were some people who wanted to take out loans, but people in this era were too simple, and when they saw the terms of their father's debt repayment, they basically gave up the loan.

Because they are afraid, if they can't afford to pay back their children.

has the memory of the previous life, Jiang Xiaobai knows all about these things.

I also know that in the previous life, some people who were bold or desperate took out a loan, and in the end they didn't have to pay it back at all.

The bank is a bad debt, and the lender neither holds it accountable nor does it go to the credit report, which is equivalent to spending a sum of money in vain.

It's a pity that people at that time didn't know what happened later.

Otherwise, if you have the courage to borrow 10,000 yuan, you will be directly upgraded to a 10,000 yuan household.

Of course, Jiang Xiaobai didn't plan not to pay back the money.

He just wants to make the best use of the policies and opportunities given by this era to accelerate his own pace of development.