"Manager Ma, I haven't seen you for so long, and you won't give me a call." Cao Shujie complained first.

When Ma Changrong heard Cao Shujie say this, he thought to himself: "You are such a busy person, how dare I call you casually." ”

But he doesn't say that.

"Director Cao, I also just came here, and I am not familiar with a lot of work, and I have been studying since I came, and I am afraid that I will make a mistake in conveying the policy." Ma Changrong said.

"Which of us is with whom, Manager Ma, have you been busy lately? Is there any good policy at the top? Cao Shujie asked him.

Ma Changrong understood what was going on as soon as he heard it, and he hurriedly told Cao Shujie that there have been many recent policies aimed at rural economic development, and the interest rate is not high.

"Manager Ma, it just so happens that we haven't seen each other for a few days, so I'm going to have a meal with you today." Cao Shujie said.

He wasn't polite at all.

hung up the phone and asked Song Baoming to drive him to the county.

Whether it is Caojiazhuang or Qingshi Town, it is not far from the county seat.

As soon as he arrived at the branch of Yiling Rural Commercial Bank in the county, before he got off the bus, Cao Shujie saw Ma Changrong standing at the door of the bank.

"Manager Ma."

Waiting for Song Baoming to stop the car and open the door, Cao Shujie got out of the car and shouted.

When Ma Changrong saw the car, he also turned around and walked over.

"Director Cao, I knew it was you as soon as I saw this car." Ma Changrong said with a smile.

It's been a year since we met at the beginning of the year, and it's been the end of the year since we met again.

At this meeting, the two were particularly cordial.

"Manager Ma is waiting for me?" Cao Shujie asked.

Ma Changrong said with a smile: "It's a little boring to stay in the office, so I'll come out and move my body." ”

The two of them laughed and said nothing more.

After Cao Shujie came over, Ma Changrong stopped exercising outside, turned around and walked towards the bank with Cao Shujie.

This branch in the county is indeed much larger than the point in town.

It turned out that the Yiling Rural Commercial Bank in Qingshi Town should be called the branch office, and Ma Changrong was the only one in the credit center.

But there are three people in the credit center of Yiling Rural Commercial Bank in the county.

The other two people, a man and a woman, are not young anymore, and they can only envy when they see Ma Changrong bringing Cao Shujie in.

As loan practitioners in banks, they recognized Cao Shujie, who was well-known in their county, at a glance.

They also want to deal with Cao Shujie, but there is no way, the reason why Ma Changrong was able to be promoted to work in the county bank also has a lot to do with Cao Shujie being his customer.

Moreover, seeing that the relationship between Ma Changrong and Cao Shujie is very good, the other two people know that they want to dig the foot of the wall in vain.

At this level, it is not wrong to prioritize interests, but it is more about human relations.

Ma Changrong has an independent office here, but it's not big, which is really not as good as when he was in Qingshi Town.

But when Cao Shujie came over today, he couldn't look too shabby, Ma Changrong took Cao Shujie directly to the VIP reception room, the melon and fruit drinks were ready, and the tea had been brewed, just waiting for Cao Shujie to arrive.

This look is that after receiving Cao Shujie's call, they prepared directly, and the two tacitly agreed.

Drinking tea, eating fruits, and chatting about their own affairs for most of the year.

During this period, someone on the bank side knew that Cao Shujie came to their bank to do business, and when the big guys inadvertently passed by the VIP reception room, they took a look inside, and they all wanted to see what the real Cao Shujie was like, but no one went in to disturb them.

Many people in the Yiling Rural Commercial Bank system have heard of Cao Shujie, mainly because Cao Shujie is their big customer, and another point, it is said that Cao Shujie is now the richest man in their county.

Because the other two enterprises in Pingyuan County with annual revenue of more than 1 billion yuan are state-owned enterprises or central enterprises, only Xuemeng Food Factory is a private enterprise.

I don't know what Manager Ma and Cao Shujie are talking about inside, but looking at the two of them smiling, it seems that they have a good relationship.

In the VIP reception room, Ma Changrong told Cao Shujie about what happened after he was transferred to the county branch.

In Ma Changrong's words, after coming to the county from the town, he was not very good at doing it, and the work was not carried out as expected.

In a place like a bank, no matter how good you were before, it is difficult to do anything when you come to a new job and have no performance.

Ma Changrong has a deep understanding of this.

"Manager Ma, the two of us are not outsiders, and I won't lie to you, I'll give you a big order today, you have to find a way to give me a discount."

Cao Shujie did not hide it.

He is not at all the same now as he was when he first met Ma Changrong a few years ago.

At that time, he didn't have much money on hand, and if he really wanted to do something, he had to rely on loans.

In order to get money, he used various means frequently, and he didn't have a reliable word in his mouth.

Even in order to get money, they have to give gifts.

But now it's different, Cao Shujie's identity, status, and worth are all there, and he has made all kinds of beautiful achievements, and he doesn't even need to be evaluated by the third party.

"Xuemeng Food Factory is short of money again?" Ma Changrong frowned and wondered.

"Didn't you just take out a loan of more than 300 million the year before last?" Ma Changrong said subconsciously.

It's already January of the 16th year.

In the past few years, the head office of Yiling Rural Commercial Bank has also assigned new tasks to its subordinate branches.

Like when Ma Changrong was in the town before, the annual loan task was only a few million, and at most there was more than 10 million, but after he came to the county last year, the bank gave him a task of 15 million, and he did not complete the task last year, but because he took a big job for the head office in the second half of 14 years, that is, Cao Shujie's 350 million loan, plus Cao Shujie's other 50 million loans, so last year, the head office did not assess him, and his salary and bonuses were still paid.

But last year's benefits were exhausted, and this year there is no such good thing.

And this year, the loan task of their branch is 140 million yuan. It was distributed to the three of them, and each of them had a loan task of nearly 50 million.

Ma Changrong has also been worrying about how to complete this task this year.

But what he didn't expect was that January had just begun, and even 1/3 had not passed, and Ma Changrong actually received a call from Cao Shujie.

Cao Shujie was also very happy to find him this time, and when he came up, he said that he wanted a loan.

"Manager Ma listened to me, it's not that Xuemeng Food Factory is short of money, it's Zhongcheng Breeding Cooperative......"

As soon as Cao Shujie said the name of the Zhongcheng Breeding Cooperative, Ma Changrong wondered: "No, I heard that the Zhongcheng Breeding Cooperative just paid more than 40 million dividends some time ago?" You're running out of money so soon? ”

"These are two different things." Cao Shujie told Ma Changrong about the current situation of the Zhongcheng Breeding Cooperative.

He said: "Manager Ma, to be honest, if it is my own property, I am not short of money at all. ”

"Even if I am asked to repay the 350 million loan now, there is no problem, but Zhongcheng Breeding Cooperative is everyone's, and my personal funds cannot be mixed in this matter, and the loan is the most cost-effective." Cao Shujie said.

He has hundreds of millions of cash in his hand, but this does not mean that he unconditionally helps Zhongcheng Breeding Cooperative.

Even if you charge interest, you can't do it.

It's better to go to the bank.

Ma Changrong was convinced of what Cao Shujie said.

He used to have frequent contact with Cao Shujie, and he knew that Cao Shujie was very conservative, and if he felt that he was not sure about something, he would definitely not take risks.

So Cao Shujie said that when he was rich, he might have more money than he imagined.

But that's Cao Shujie's ability, just like Cao Shujie just said, they are now discussing the nominal loan of Zhongcheng Breeding Cooperative.

"In this way, you can use the name of Zhongcheng Breeding Cooperative to take out agricultural loans, and the interest rate is very low." Ma Changrong said.

This is a new policy issued by the People's Bank of China (PBOC) after the national level promulgated the economic policy on agricultural development and assistance to agriculture last year.

It cannot be said to be an interest-free loan, but the annual interest rate is less than four points, which is very cost-effective.

And this policy is implemented on the side of Yiling Rural Commercial Bank, in order to compete with the big banks for business, but also to show a hand in front of the big policy, on the basis of this not high interest, there is also a discount.

"The interest is less than three points, which is really cost-effective." Ma Changrong has repeatedly emphasized this point.

He has seen the news about the dividends of Zhongcheng Breeding Cooperative last year, and was very surprised by Zhongcheng Breeding Cooperative's revenue of 117 million yuan and profit dividends of more than 40 million yuan last year.

But it is precisely because of this that he knows that the property of Zhongcheng Breeding Cooperative is real.

According to Cao Shujie's statement just now, Zhongcheng Breeding Cooperative raised more than 6,500 cattle last year, and this year the calves have reached 8,000, and they have also bought 2,000 pregnant cows.

From these data, Ma Changrong has realized that as long as there is no major mutation in Zhongcheng Breeding Cooperative, the future is bright.

They are only temporarily short of money now, and at this time, of course, Ma Changrong knows what he should do.

And this order is very likely to help him complete this year's task, so why not.

Cao Shujie didn't expect that the interest after the discount was less than three points.

For example, if Cao Shujie wants to borrow 50 million yuan, the interest rate is only 1.5 million yuan a year at 3% interest.

According to Ma Changrong's meaning, the actual interest is still low, which is almost a matter of letting you take the money and spend it.

It's so cheap!

The short-term interest rate of normal commercial loans is basically above 5%.

made Cao Shujie want to borrow some money to invest in a wave.

"How much does Director Cao need?" Ma Changrong asked him.

Cao Shujie shook his fingers and said, "I don't need money, Zhongcheng Breeding Cooperative needs it." ”

Ma Changrong didn't bother to correct this problem, he asked Cao Shujie again, how much is Zhongcheng Breeding Cooperative going to borrow this time?

According to the total cost of feed generated by each cow from purchase to slaughter, which is about 4,500 yuan, the total cost of feed breeding required for 8,000 calves is equivalent to 36 million yuan.

Cows belong to a process of long-term breeding, but because they eat less than beef cattle, the cost of feed is cheaper, according to the cost of feed breeding of about 3,800 yuan per cow, the breeding cost of this piece is about 7.6 million yuan.

8,000 beef cattle, calves and 2,000 cows add up to 43.6 million yuan in feed alone.

During this year's breeding period, it is impossible to have no other accidents, so the account of Zhongcheng Breeding Cooperative, there are still more than 10 million, which is used as the cost of emergency preparedness, Cao Shujie even feels that if Zhongcheng Breeding Cooperative wants to spend this year in peace, more than 10 million reserve funds are far from enough.

At least double.

Thinking of this, Cao Shujie has a score in his heart.

He said to Ma Changrong opposite: "Manager Ma, believe it or not, at the end of this year, the 8,000 beef calves of Zhongcheng Breeding Cooperative can still be sold for more than 120 million yuan?" ”

In the face of Cao Shujie not directly saying how much the loan was, but talking about the revenue of Zhongcheng Breeding Cooperative this year, Ma Changrong did not have any doubts.

"Director Cao, I believe that as long as there are no major doubts about Zhongcheng Breeding Cooperative, this year's revenue will be much higher than 120 million yuan, and you will directly say how much Zhongcheng Breeding Cooperative will borrow this time, and we can make an assessment."

"Generally speaking, as long as the funds are not more than 100 million, there is no big problem." Ma Changrong told Cao Shujie the bottom line.

He couldn't wait for Cao Shujie to directly say that he would borrow 100 million yuan, so that their bank's loan task this year would be completed before more than half of it was completed in January.

When the time comes, he will be the hero of this bank.

In the next step, he will be promoted, raised, and bonuses, and he will not have any worries in the next two years.

But Cao Shujie didn't ask for so much money, he stretched out his right fist and pried open his thumb and little thumb: "60 million yuan, two years, how long will it take to get it?" ”

"Is 60 million enough? Director Cao, to be honest, there are not many such preferential loans, and Zhongcheng Breeding Cooperative can make a big deal by virtue of the right time and place to continue to expand its scale. ”

He depicted a bright future like a flicker: "Director Cao, the scale of your Zhongcheng Breeding Cooperative has gone up, are you still afraid that you won't be able to make money?" ”

Looking at what Ma Changrong said, Cao Jie suddenly remembered another face, and the two of them had the same surname.

"Manager Ma, you are flickering hard now, and you are really similar to the Ma Yun I saw a few days ago!" Cao Shujie said.

Ma Changrong laughed, since Cao Shujie said so, he didn't say anything else.

And 60 million, two years of borrowing is also a lot.

According to this calculation, his loan task for next year is almost completed.

For Cao Shujie, as long as Zhongcheng Breeding Cooperative gets this money, it can ease up this year, and after next year's turnover, there will be no worries.

"It's hard this year, everyone has to tighten their belts to get by!" Cao Shujie sighed with emotion.

But Ma Changrong, who was opposite him, thought that Cao Shujie was crying poor.

The corners of Ma Changrong's mouth twitched, and then he said, "Director Cao, if you all need to tighten your belt to get by, then we must not put the rope around your neck?" ”

Cao Shujie laughed out loud when he heard him say this.

knew that Ma Changrong misunderstood what he meant, but Cao Shujie didn't defend himself.

He said: "Manager Ma, let's finish the formalities now, and we'll be busy in a while, let's find a place to eat." ”

"That's no problem, I'll invite you at noon today." Ma Changrong was in a good mood.

Not to mention anything else, as Cao Shujie just said, Zhongcheng Breeding Cooperative borrowed 60 million yuan, and this thing will be able to be done as soon as possible.

(End of chapter)