Volume 1: Entrepreneurship Chapter 157: Asking the Bank for an Indicator Loan to Buy a Car

"Sedans? Can we buy it? ”

"You can buy a Lada, a jeep or something. Santana didn't seem to be able to do it, and said that he wanted the city to approve the indicators. ”

"Lada and Jeep have never sat down, Santana has sat a few times, and Santana has sat in Wenzhou to talk about suppliers and go to Nanjing to participate in trade fairs. I heard you say that we really need one, pick up and drop off people or something, but I really don't know if you want to buy a car. ”

"Well, not all cars, it's just that this car is in short supply, and I heard that the level is not enough and the city has not approved it. Money can't buy it. ”

"Oh, it's so tight, let's study it when Mr. Li comes back." Yang Liufang and Zhang Feng chatted all the way to the furniture factory.

The next day, the two woke up early in the morning and went out to wash, and found that the sky was gray and gloomy. They had just finished washing up by a drainage pool built next to the cafeteria, and as they walked to the dormitory, they noticed snowflakes falling in the sky. Yang Liufang looked up, and those snowflakes were like little elves, jumping and dancing, bringing purity and beauty to this world. Yang Liufang walked into the dormitory, but the feeling is not so good, the new dormitory because it has just been painted and is dispersing, so he is still living in the small reception room at the door of the old factory warehouse, it is snowing, and it will be very cold tonight without kang.

Putting down his toiletries and going to eat in the cafeteria, he saw through the window that the villagers were carrying buckets donated by Yang Liufang to fetch water, and they had to store enough water for a few days before the heavy snow closed the road. There was also Secretary Shi in the crowd, he was worried that it would be inconvenient for his mother-in-law and Gawa to fetch water at home, and it was estimated that he rushed back last night after reading the weather forecast. He also saw Yang Liufang through the window, so he took the initiative to walk into the cafeteria, went to the window to make a soup, and asked for two fritters to eat at the same table with Yang Liufang and Zhang Feng.

"Aren't you holding an election meeting for the National People's Congress? When did you come back? ”

"Brother Shi, Zhang Feng sent me back last night. If you don't come back, I'll look for you, can you arrange for someone to build me a kang in the new dormitory first? There is no kang in this reception room, and if it snows, I can freeze to death at night if I sleep. ”

"Oh, didn't Shi Fang say that the new dormitory should be heated? The tannery is too. ”

Yang Liufang then remembered that since the factory was managed by Shi Fang, he rarely asked about these trivial things. Looking up, there were no stone squares among the workers eating in the cafeteria. Now they have breakfast in the canteen, and in addition to the factory workers, people from the village can also come and eat, but they have to pay. Workers also have to pay, but workers have a monthly meal allowance, so some people in the village will still come to work after eating at home in order to save money.

"I'll ask him in a while, or Brother Shi, it's convenient for you to go directly to him, and I'll work hard for you to get it as soon as possible."

Just about to return to the city, the phone rang, and Yang Liufang picked it up and heard that it was Li Tongfu calling. Li Tongfu told him that the lathe had been chosen. Originally, there were two options to choose from, one state-owned enterprise and the other was a collective enterprise, but the state-owned enterprises had to wait for two months, and they paid all the deposits. After investigation, Wang Shan said that the collective enterprise could produce well in one month, and it could also provide engineers to come and install, and the later service was good, and the maintenance was guaranteed.

"If you breach the contract, will the deposit be refunded to you?"

"Five thousand less were returned, but the equipment of the collective enterprise was cheaper by ten thousand."

"Oh, brother, you pay attention to the checks, the quality must be guaranteed. So are you waiting for the product to be shipped back or coming back early? ”

"I'll go back first, it's going to be winter soon, and it's time to collect a lot of skins."

"Then let Shi Yong come back too, thousands of Simmons beds, more than 2,000 sets of office furniture, and manage the factory, Shi Fang can't be busy alone."

At the beginning of the rain and snow, Li Tongfu came back with Shi Yong, Shi Yong bought a very high-end electronic watch for the master and Shi Fang, Li Tongfu bought a long down jacket for Yang Liufang, Yang Liufang immediately put it on and tried it on, and soon felt warm, and sweated for a while. In addition to purchasing equipment on this trip to Guangzhou, Li Tongfu also deliberately took Shi Yong to see the furniture market in Guangzhou, the wide boss desk with a sub-table, and the boss chair as wide as a sofa, these modern furniture left a deep impression on Shi Yong, and he explained to the master while looking at the photos.

"Master, there's still a place to put a computer keyboard under this table."

"What is a computer?"

"It's just a TV-like thing, and there's a square shell underneath it, so you can write when you turn it on."

"Oh, a typewriter." Yang Liufang has seen printers in advertising agencies and printing houses, and their business cards and albums are made in this way.

"No, it's something very advanced."

"Then I haven't seen it, but it doesn't matter, you make one according to this first, and put it in the exhibition area of the office furniture of our supply and marketing cooperatives, I think some large enterprises such as Northwest Chemical and Xizhou Iron and Steel will use it."

"That's right, brother, after you left, the credit director of ICBC looked for me a few times, but I pushed them off, and I met their vice president again at the municipal people's congress election meeting some time ago, and he was recommended by Secretary Lu, and we had a meal together after the meeting."

"What are they going to do?"

"Give us a loan."

"What kind of loan, we are not short of money, and he will not lend to us when we are short of money."

"I thought so too, but Secretary Lu suggested that the bank has a task, so let's have a good relationship with them."

"It seems that it won't work without a loan."

"But what are we going to do with the loan? My own money is lying on my stomach in the account of the Industrial Bank. ”

"I remember, let them pay for the lathes, the lathes of the tannery and the furniture factory are a total of 210,000 yuan, let's take out these loans. It not only gave Secretary Lu face, but also helped the bank complete the task. ”

"Okay, you're back, you and Yanhua have worked hard these days to get it."

The two then discussed buying a car. Yang Liufang said that the Santana they sat on Jiesheng was good, and the one they sat on at the Shanghai exhibition was also the same.

"Well, we went to Guangzhou to receive a black Santana, saying that it was a new 2000 model. So it seems that we really need one. ”

"How much."

"I haven't asked about this, I don't know."

"It's just that I heard Zhang Feng say that I still need to approve indicators in the city to buy this thing?"

"I understand, I can't let President Li of the supply and marketing cooperatives think of a way."

The review of loan materials is relatively strict, and the results were not given until the beginning of December, but it was only said that the loan could only pay for one piece of equipment. The other is a collective enterprise, and after investigation, it was found that the triangular debt was very serious, so the bank's risk control believed that this enterprise was risky, so it also suggested that Yang Liufang and them buy equipment from another company. But at this time, the lathe has been customized, and the engineers have gone to the factory to do the circuit and track laying. In addition, Yang Liufang also experienced the distrust of the bank and the sympathy of the disease, so he didn't think too much about it, but was a little dissatisfied with the bank in his heart. He was sulking when Li Tongfu called.

"The price of Santana landing in Xizhou is about 210,000, and I asked President Li about the index, and he said that the index can be done, but in the name of the supply and marketing cooperative, so that the car can only fall in the hardware department."

"How can this work, the store department is not an independent legal person, but we lease to operate, in case there is any policy change, the car and the store department are not ours. When the time comes, both people and money will be empty. ”

"Brother, I have an idea, do you think it's okay?"

"Brother, what do you think? You said. ”

"Let the bank give us indicators, the car must be hung in the furniture factory, or you personally, anyway, he has a request for us."

"Good idea, brother, don't go to the furniture factory for me, buy two directly, one is under the name of the factory, you usually drive, and it is used to receive or something when you work. Buy one under my own name and drive it myself. ”

"Okay, I'll let Yanhua communicate with them, so we can borrow almost 550,000 from them."

"Yes, hard work, brother."

The bank really had a way, and quickly helped them get the index, and in full accordance with Yang Liufang's requirements, two Santanas, one in the name of the furniture factory, one in Yang Liufang's personal name, the two cars were 15,000 cheaper, and soon the bank asked Yang Liufang to send people to Shanghai to pick up the car with the bank's staff. Zhang Feng and Qin Jiajun, two old drivers, were naturally the best candidates, and they explained the work of the supply and marketing cooperative, and then set off to Shanghai together.

At the end of the 80s, China's highway was just in its infancy, most of the sections were national highways, and the new car was in the run-in period, from Shanghai to Xizhou, more than 3,000 kilometers away, along the way the two were basically within 80 miles of speed. By the time the two cars arrived in Xizhou, it was already mid-December. Then the selection of numbers, the completion of the cards went through another two weeks. After the license is completed, the bank took away the "motor vehicle registration certificate" big green book, Rao is Yang Liufang has a relationship with the bank, a set of processes to go down, the New Year has come.

The New Year's Day dinner in 1990 was divided into two parts, the workers of the furniture factory had a dinner in the canteen of the furniture factory, and the supply and marketing cooperatives only let Li Tongfu and Qin Jiajun come back to participate, one of them was the legal person and vice president of the factory, and the other was the captain of the transportation brigade. In this way, fifty or sixty workers brought their families, including Secretary Shi and other guests, and everyone still ate the flowing water seat. The dinner was held at noon in the canteen of the furniture factory, and two brand-new black Santanas were parked in front of the factory gate, and the workers dressed up and took photos with their families in front of the car. In order to avoid bumping into the children, Secretary Shi also specially arranged for young people in the village to be security guards. Before the banquet, Yang Liufang looked back on the past and looked forward to the future, and everyone toasted each other.

During the banquet, Secretary Shi and Brother Li Tongfu sat on both sides of Yang Liufang, and Secretary Shi whispered to Yang Liufang quietly: "Brother, the 30 villagers in the village who were occupied by the village have all returned the compensation, and some have not received it at all. ”

"Ah, why is that? Less to make up? ”

"No, no, it's 400 more than the test field. It's just that they heard that the people who participated in the fund-raising of the factory have received more than 5,000 yuan per family this year, so they don't want compensation, and want to arrange one person from each household to enter the factory. ”

"Ah, this one is more troublesome. Brother Shi, let's have a meeting tomorrow and the day after tomorrow to discuss, and drink and eat first. ”

Yang Liufang didn't agree, nor did he refuse, because he really didn't know how to arrange the 30 people and where to arrange them? Now the production of the furniture factory is in charge of Shi Fang, and the research and development of new products and technology, including external contact, are in charge of Shi Yong, and he is not clear about how to set up the position. There are also villagers who have contributed to the factory with their own land. And although he has the final say in the factory, he also has to discuss with his brother, and he has to ask the villagers who raise funds to participate in the shares.