Volume 1: Entrepreneurship Chapter 146: Lack of funds to build a factory and seek help from the bank
As the first enterprise in the Economic Development Zone, the construction of the new plant of the furniture factory certainly cannot be like when Yang Liufang first moved back from Zhao Machuan's workshop, using only red bricks as a foundation of dozens of centimeters, and the exterior wall and top are built with asbestos tiles. It was unsafe and non-compliant, so it only took a year for it to collapse due to the arrival of a sandstorm, and although the red brick exterior wall was later added, it was still dwarfed by the sanitary ware factory building of the Jiesheng family that he saw in Yiwu.
In this plant construction, Yang Liufang wanted to do it once and for all, he not only asked to lay a solid foundation, but also made the exterior wall into 24 walls. And left ventilation windows on the wall, windows and door openings are added lintels, the top is first paved with a layer of prefabricated slabs with steel bars, and then the slope roof is made, the purpose of this is to consider in the long run, in the future, it is good to add two floors above the plant.
The construction standards are high, and the two factories plus the supply and marketing cooperatives are renovated at the same time, and the price of building materials has doubled compared with the price three years ago, so Yang Liufang is too optimistic about his capital estimates. Although there is still a flow of money in the supply and marketing cooperatives every day, compared with the consumption of three construction sites like gold-swallowing beasts, those flows are simply a drop in the bucket. However, the projects have been built, especially the furniture factory and the supply and marketing cooperatives are closely related, which can be described as: a loss, a prosperity. After discussing with Li Tongfu, Yang Liufang had no choice but to report to Secretary Wang of Hongtuzhuang, stopped the construction of the tannery first, and withdrew the only two remaining workers who were building the walls of the masonry factory in Hongtuzhuang to the construction site of the Shibi Village Furniture Factory.
Still, the money on the books quickly ran out. Yang Liufang, who delivered the food last time, owed it on credit from Uncle Han, and promised him that he would pay him the business money of the supply and marketing cooperatives in the past two days as soon as it was raised. But after the money was raised, it was not warm at all on the Yangliu account, and the water was dry over the ground, and it was gone. In addition to the daily purchase costs of the supply and marketing cooperative, the wages for rebuilding the second floor cannot be delayed for a day. Because the masons in Shibi Village can only build walls and sloping roofs, and do not cover buildings, the workers who rebuilt the second floor of the sales department of the supply and marketing cooperatives are from the construction team found from the city. In Xizhou City, the leaders are watching, if the construction site is stopped because of lack of money, and the workers make trouble, not only President Li and President Gong will not be able to protect him, but the sales department of the supply and marketing cooperatives that has been in hand will be immediately withdrawn, and the project of the furniture factory will also be stopped.
For this reason, Yang Liufang tea and rice do not think, can not sleep at night, dark circles like giant pandas. Because of poor rest and lack of concentration, on the way back to the aluminum factory industry and trade company, he suddenly fell into the main canal of the farmland when he avoided pedestrians. Fortunately, it was spring, and there was not much water in the main canal, but it was a gray face and mud. After being dragged up by passers-by, Yang Liufang took out the only ten yuan change on his body and bought two packs of cigarettes to thank the passers-by who rescued him, and asked the people who went into the city to go to the Xizhou Chengbei Supply and Marketing Cooperatives to find Li Tongfu or Qin Jiajun and tell them to send a car to pick him up.
The April day in the northwest was cool and the breeze was swishing, and the willows were cold and helpless. Qin Jiajun drove to pick him up in person, and saw Yang Liufang holding his arms and trembling in the sun on the side of the road from a distance, and wanted to laugh but held back. He knew that his hard-working younger brother was strong and had a good face, and he also knew his difficulties from his wife Yanhua. After getting out of the car, he hurriedly took off his coat and gave it to him, Yang Liufang took it and got into the co-pilot's seat to change it, while Qin Jiajun himself scattered cigarettes and asked passers-by to help carry the motorcycle to the truck bed. And Yang Liufang, who was wrapped in a military coat in the cab, was so sleepy that he actually fell asleep.
When he woke up, Yang Liufang found that he was still sleeping in the car, the sun was shining, he was sweating profusely, and his body wrapped in a military coat was wet and sticky. It turned out that Qin Jiajun pulled him and sent the motorcycle to the repair department, and when he saw that he was still asleep, he couldn't bear to wake him up, so he directly pulled him back to the supply and marketing cooperative, and parked the car in a place where the sun could shine, so that he could sleep with peace of mind.
Yang Liufang opened the car door, identified the direction, and walked towards the supply and marketing cooperatives not far away. All the way, the passers-by looked at him sideways, walked to the lintel with a glossy surface, and saw through the reflection that his hair was unkempt, and there was mud on his face, and he couldn't see it by being wrapped in an overcoat, but his feet and shoes were covered with mud, and the whole looked like a man who had stolen an overcoat. Yang Liufang was embarrassed and quickened his pace, so much so that he trotted to the supply and marketing cooperative. Yinhua and Zhang Feng greeted him, but he didn't hear it, ran in to find Li Tongfu and asked for a piece of his work clothes, asked for a nearby bathhouse, and ran over with the work clothes he wanted to change.
Yang Liufang quickly washed himself up, walked out of the bathroom to change his clothes, only to find that he had no money on him, so he had to walk to the bathroom caretaker in embarrassment, trying to explain the reason with a face. Just as he wanted to speak, the administrator behind the counter said, "You are Boss Yang." ”
"Yes, you know me?"
"No, Boss Li from the supply and marketing cooperatives just said that you didn't bring any money, and I came to pay you for the bath."
"Ouch!" Yang Liufang covered his chest with one hand and breathed a long sigh of relief. There's no shame in that.
After thanking the administrator, he took the dirty clothes and military coats he had changed, and walked out of the bathroom to the supply and marketing cooperative. The brand-new Yang Liufang walked into the supply and marketing cooperatives and greeted Yinhua and Zhang Feng, the two also wanted to laugh, Yang Liufang scratched his head, blushed and walked in. returned the coat to Qin Jiajun, and then found a packaging bag for selling dirty clothes and put them up haphazardly, ready to take them back to the factory to wash. At this time, Yanhua knew that Yang Liufang had come back from a bath, and hurriedly came to him.
"Boss Yang."
"Huh? What's wrong? Yanhua's sister-in-law. Yang Liufang thought she was going to laugh at herself, and she was a little ashamed.
"Oh, I'll give you a report."
"Ouch, don't talk with a big tongue, okay, I have a bad heart today."
"What's the matter, say."
"About loans."
"Loans, what loans?"
"Bank's."
"Ah, really? Can the bank lend us money? ”
"It's not a big state-owned bank, it's a newly established commercial bank."
"Commercial banks? It's not some kind of pawn shop and loan shark, right? ”
"No, no, it's the bank. The interest rate is a bit high, and the conditions are a bit harsh, so I didn't dare to tell you before. ”
"Oh, what bank? How high is the interest? ”
"Industrial Bank, they have just come to Xizhou to conduct business, and the interest rate is five percent higher than that of the four major state-owned banks."
"Five cents is not high, it is much lower than when we go to the meeting. You say they are harsh, how harsh, can we achieve it? ”
"Yes, yes, but we have some losses."
"Oh, then call my brother to your office, let's discuss."
Yang Liufang and Yanhua walked to her office, opened the door, and Yanhua asked Xinye to call Boss Li for a meeting and asked her to help make a cup of tea for Boss Yang. Xin Ye was reasonable, and after calling Li Tongfu to come to the meeting, he made a cup of tea and brought it in, and left under the pretext.
"Brother, Yanhua said that a bank is willing to give us a loan, and I am anxious to call you to discuss."
"Oh, Yanhua gave me a rough idea, it seems that the interest rate is lower than the lift, but he asked us to provide him with furniture for the first branch in Xizhou. According to what they reported, I estimated the market price at 30,000. ”
"Oh, that's too high."
"That's why I didn't report back to you."
"What furniture do they want?"
"VIP interior sofa, coffee table; As well as the partition of the office area, there must be chairs. There are also custom-made furniture with chairs at the bank counter. ”
"Is there a list? Take it to me, and I'll estimate the cost. ”
"No, I refused when I heard it, so I didn't ask for his list."
"Oh, Yanhua, can you still make an appointment with their contact?"
"It should be okay, they are quite satisfied with our hard conditions. I'm going to make a call. Yang Liufang nodded, Yanhua went out to make a call, and came back in a while.
"Boss Yang and Boss Li, the contact is over, and they came to visit the two of them at 2:00 in the afternoon."
"Oh, good."
"You can't see you here, can you?" Li Tongfu said.
"Na Yanhua said hello to President Li and saw if they could use the conference room of the supply and marketing cooperative."
"This is okay, there is no need to tell President Li, I still gave her the position of the director of the office of the supply and marketing cooperative. She still won't be able to use a conference room. ”
"What's going on?"
"Isn't President Li promoted! There was a president parachuted into the head office, and President Li wanted to promote one of his own people in order to facilitate management, so he first considered Yanhua and consulted her opinion, but people took a fancy to us here, and refused, so he recommended a colleague of hers from the original daily necessities store department. So now her colleague is the director of the office of our Xizhou Supply and Marketing Cooperative. ”
"Oh, I see, Yanhua, thank you for your trust. You tell Brother Qin that you bet on your future, and we won't let you lose. Yang Liufang solemnly said a word that was almost an oath and very warm.
In the afternoon, the bank's people arrived on time, Yanhua had already coordinated the conference room, and the director of the new office really gave face, and also arranged a special staff to be responsible for tea.
The staff of the bank looked professional in a black suit and white shirt. As soon as they entered the conference room and sat down, Yanhua introduced Yang Liufang and Li Tongfu to each other. The bank staff politely shook hands and handed over business cards, and the movements were coherent and in one go. Yang Liufang flipped through the business card, which was written in blue font with "Dai Zhicheng, Director of the Credit Department of Industrial Bank Co., Ltd."
"Company, aren't you a bank?" Yang Liufang asked vigilantly.
"Don't get me wrong, Boss Yang, we were established in August last year with the approval of the State Council and the People's Bank of China, and we are one of the first joint-stock commercial banks in our country, and we are backed by the State-owned Assets Supervision and Administration Commission of Fujian Province. It is a modern comprehensive financial service company covering trust, leasing, fund, wealth management, futures, asset management, research and consulting, etc. We are committed to providing comprehensive, high-quality and efficient financial services to high-quality customers like you. ”
"Hearing that it was a state-owned enterprise, or approved by the State Council and the People's Bank of China, Yang Liufang's vigilance was relaxed."
"Oh, forgive us for not seeing the world in our small place." Yang Liufang said modestly. "Last time, because we wanted to purchase 300 acres of factory construction land, our accountant Wang had a preliminary communication with your bank, saying that your bank was also going to carry out business in Xizhou and needed a batch of furniture. As for me, I was only busy with the establishment of an industrial and trade company with Xizhou Aluminum Factory, and I didn't have time to see your needs, so I made you wait for a long time. Is your bank's furniture demand now coming? "Yang Liufang is careful with money, and he doesn't beat around the bend, and he gets straight to the point.