"Speaking of the factory run by the central primary school, I am still relatively familiar, although I have never had business with us before, after all, Chengguan Town is such a big place, and after a few years, all the units are basically very familiar. According to the situation of the school-run factory, you are not eligible for a loan from us, how can you let me support it?"

"The school-run factory is not eligible at the moment, but I heard that the policy allows individuals to borrow, and I would like to apply for a loan from you in my own name. "Guan Yuntian said.

"There is a policy in this regard, but you can only borrow up to 50,000 yuan, and personal loans also need guarantees. ”

"Personal loans also need to be guaranteed? ”

It is common sense that any commercial loan needs to be guaranteed, and how can Guan Yuntian not know such a simple truth? He just wants to create the impression that he is a newcomer and ignorant of the world in front of Lao Chang, and that he is not thoughtful in his words and affairs, so as to seek the other party's understanding.

"Of course, personal loans also need to be guaranteed, as long as the guarantee problem can be solved, we can meet your loan requirements. ”

"But Director Chang, it is obviously not enough for me to borrow 50,000 yuan by myself, I want to add one more person, who is also a teacher at the Central Primary School, and the two of us will borrow 100,000 yuan in our own names. ”

"Yes, two or three. Your teachers are public officials, and the policy is more relaxed. ”

The loan in the personal name of a public official went even more smoothly than Guan Yuntian imagined, and Director Chang agreed without saying a word, which made Guan Yuntian overjoyed, "Director Chang, it's an honor to meet you, and I want to invite you to dinner at noon today." ”

Although Chang Chang felt that the young man in front of him was very real, he felt that it was still a bit reckless to invite someone to dinner when they met for the first time, but it was understandable, because the other party had just come out of the school gate and did not know much about the people in the society. If you are in a hurry to use the money, you should go back and find a guarantor as soon as possible. ”

Lao Chang is not perfunctory, he is telling the truth, because he has seen all kinds of lenders, some of them give gifts and gifts, and some people are close to him through relationships, all for the purpose of getting the bank's money, and it is not them to achieve the goal. But this Guan Yuntian not only speaks and behaves decently, and seems to be more loyal, but also the purpose of his loan is for the conversion of the unit, not for personal consumption, which is often considered to be commendable.

"Director Chang, then I won't bother you, let's make a decision, please give me a chance in the future. Seeing that the other party had given an eviction order, Guan Yuntian had no choice but to get up and say goodbye.

"Wait a minute, I'll tell you the procedures you need for a personal loan, so that you don't have to go on another trip, and you can go back and prepare." "Lao Chang is really kind.

"Thank you, Director Chang, for the reminder. ”

Guan Yuntian fully understands Chang's kindness, originally, even if the bank agrees to the loan, it is in vain if there is no guarantor.

As the eldest sister in the finance department of the campus printing factory said, the school-run factory is still an enterprise of Chengguan Central Primary School after all, and on the premise of not finding another guarantor, the school has to guarantee it. Guan Yuntian came to Principal Qi's office, he reported his idea of converting to red bricks to the principal, and Old Qi was indifferent to this, "Yuntian, we have a word first, after you take over the school-run factory, the school will not interfere with your management and operation, you don't have to report this kind of thing to me." ”

Guan Yuntian estimated that Lao Qi would say such a thing, and he said calmly: "Principal Qi, having said that, I am a formal teacher, and my salary is given by the government. It's true to be self-employed now, but I don't think it's wrong to report such a major event to the school leaders!"

"Okay, are you done with the report? "This Principal Qi is really detached, and he doesn't want to get involved in things outside the school at all.

"Principal Qi, aren't you driving me away?"

"Yuntian, where do you want to go? Like you said, after all, you are still a teacher in our school, how can I drive you away?"

"Oh, thank you! But Principal Qi, in addition to reporting to you today, I have one more thing to ask you for. ”

"What's the matter?" said the old man, a little impatient.

"To produce red bricks, we naturally have to build a brick factory, but the school-run factory doesn't have a penny, and we lack start-up capital!"

"I can't do anything without start-up funds, the money in the school is the teachers' salaries and office expenses, which are allocated by the higher education department according to the plan, I can't deduct the teachers' salaries for you as start-up funds, right?" Principal Qi said angrily.

"Yo, the principal is deliberately choking people with this! What qualifications do I have to ask you to withhold a teacher's salary? I even know that it is illegal to do so!"

"Then what do you want from me?"

"Didn't I say it, the school-run factory is the enterprise of the central primary school after all, and the money earned will return to the school, I plan to borrow 100,000 yuan from the credit union in my personal name as the start-up capital for the conversion, and the Chengguan credit union has been negotiated, I want to ask the school to guarantee this loan. ”

"Loan guarantee----? you have a problem for me, the school has never guaranteed it from a financial institution. Principal Qi thought about it, and then agreed: "Okay, it seems that if I don't give you a guarantee, if you don't have the start-up capital, you probably won't be able to do anything." ”

How fresh! I'm afraid Principal Qi hasn't heard of the saying that it is difficult for a daughter-in-law to cook without rice.

Old Qi weighed it again and again, and would rather use the name of the school to vouch for Guan Yuntian, and also wanted to send this plague god away as soon as possible, so as not to disturb him again.

Guan Yuntian asked the financial staff to prepare all the loan information and guarantee materials according to the bank's requirements, and he and the clerks of the finance department came to the Chengguan Credit Cooperative and handed over the prepared materials to Director Chang.

Because it is a personal loan and the amount does not exceed 100,000 yuan, the director of the credit union has the right to approve such a loan under the conditions at that time. After careful review of all the materials, Chang Chang signed the opinion on the same day, and the loan was credited to the school-run factory the next day.

That night, Guan Yuntian invited Lao Chang to dinner, his purpose is not only to take out the loan in front of him, but also to focus on the future, if he really wants to stay in the school-run factory, the enterprise wants to develop, financing is an important job, without the support of financial institutions, it is impossible to successfully finance. Guan Yuntian's current contact with the financial institution is the permanent director of the credit union.

Chang Chang's name is Chang Fulin, although he is scheming, he is also honest. Last time, he said it first, and in the face of Guan Yuntian's invitation again, he couldn't refuse.

"Director Chang, if you think the two of us are not having a good time, you can bring your friends or colleagues. "Guan Yuntian said.

"Well, it's okay, friends, I'll bring the two deputy directors and accountants of our credit union. ”

At about six o'clock in the evening, in the private room of the hotel booked in the county, Guan Yuntian and the four guests of the Chengguan Credit Union met, after greetings, the guest sat down, Guan Yuntian took the menu handed over by the waiter, and handed it to the old Chang who was sitting in the guest of honor, "Director Chang, please order." ”

Probably he has experienced too many occasions like this, and Lao Chang is not polite, he took the menu, divided five by two, and ordered eight dishes and one soup in one go, without giving others a chance to order.

"Director Chang, could you please introduce the other three leaders. "Guan Yuntian said.

"yes, I haven't introduced it yet. This is Director Zhao who is in charge of our internal service, that is Director Li of our field service, and this lady is Accountant Zhang. Three, today's master, is the director of our Chengguan Central Primary School factory, uh, I want to know if you like others to call you Director Guan or Teacher Guan?"

"Hey, it's okay to call it, both of these names are my identity. ”

"Teacher Guan, I still don't understand, isn't it very good for you to be a teacher in school? Why are you willing to go to the school to run a factory? You must know that it is very hard to run a business!"

"It's a bit bad, I graduated from the Department of Mathematics of Teachers College, and I should have been assigned to teach in a middle school in the city, but in the two years after graduation, there was no establishment in the middle school in the city, and I didn't want to go to the rural middle school. To tell the truth, I was not interested in the teaching work of the primary school, the principal was not happy, and I did not want to do it, so I happened to need a factory director in the school-run factory, so I came over. Guan Yuntian explained.

"Oh, you're an undergraduate student at the Teachers College, and it's really condescending to let you teach elementary school!" everyone said in unison.

The waiter began to serve the food, and Guan Yuntian asked, "Director Chang, several leaders, what kind of wine shall we drink?"

"The kind of liquor we make locally is good, so let's come to that. "It seems that I don't pay attention to drinks.

The waiter poured wine into the cups in front of everyone, and Guan Yuntian raised a glass to welcome the leaders of Chengguan Credit Union, expecting them to take more care of the campus factory.

The first glass of wine was drunk together, and the second glass of wine, Guan Yuntian saluted all the guests in turn, from Director Chang to Accountant Zhang, and after a circle, Guan Yuntian drank the cup dry again. The wine table pays attention to coming and not being rude, starting from Chang Fulin, the guests turned around and toasted to Guan Yuntian, he did not refuse to come, and it was another circle, Guan Yuntian drank the third glass, and the second cup of the guests still had a big sip left, everyone saw Guan Yuntian's boldness, and also saw his amount of wine.

Guan Yuntian usually doesn't drink, but he knew how much he drank many years ago, and he remembered that after the college entrance examination, he went to the market with the old and young masters in the village at home, several times, because he made some money by reselling daily necessities, a group of people got together and drank at a stall in the market, Guan Yuntian was only eighteen or nineteen years old at the time, and the others were all adults, and it was the first time he drank with a young man, and the adults teased Guan Yuntian and wanted to see his jokes.

"Everyone has to drink the same amount as long as they participate, or they don't. "Someone set the rules first, which is obviously aimed at Guan Yuntian.

"Then I won't participate. Guan Yuntian had no bottom in his heart.

"You're eighteen or nineteen years old, and you're a big man, right? Yuntian, you just have the guts to scare you with two words?" someone cheered him up, in fact, they just wanted to see him get drunk and make a fool of himself.