After Guan Yuntian took over the school-run factory, he found out the reason for the shrinkage of the printing business through research, and he felt that with the popularization of modern typing and copying technology, the printing industry must no longer be done, so the first decision he made was to change production.

Seeing that the construction of the city and factories and enterprises requires a large number of red bricks, Guan Yuntian decided to use the high-quality clay resources of Chengguan Town to build a red brick factory in the name of the Chengguan Central Primary School.

The idea is good, but what about the money? Without the money, no matter how good the idea is, it can only be on paper.

Through various consultations, Guan Yuntian learned that it would cost about 100,000 yuan to build a brick factory.

When he was at a loss, the accountant of the school-run factory reminded him that he could find a bank loan and let the school guarantee it.

"Is this okay?" Guan Yuntian asked in surprise.

"What business can be separated from the bank's funds?"

The accountant's reminder opened Guan Yuntian's mind, yes, who can do business without the support of the bank? Although it operates independently, the school-run factory is still an enterprise of Chengguan Central Primary School, and the school has the obligation to help.

In reality, many things are easier said than done, enterprises cannot do without the financial support of the bank, everyone understands this truth, but at the moment, Guan Yuntian does not even know which direction the door of the nearest financial institution to them, that is, the Chengguan Town Credit Cooperative, opens, how can he seek financial support from the bank?

After inquiry, Guan Yuntian knew that the director of the Chengguan Credit Cooperative, whose surname was Chang, and he wanted to visit, but he felt that he had never known each other, so he rashly visited, which seemed abrupt, not only could not play any positive role, but also might backfire. Guan Yuntian thought about it again, and he thought it would be best to find someone to introduce him.

Guan Yuntian has only been in Chengguan Town for nearly two years, in addition to having contacts with the teachers of the school, he has no friends in the society, and it has become a big problem to get acquainted with the permanent director of Chengguan Credit Cooperative, and it is tantamount to a fantasy to get a loan from the credit cooperative!

The accountant of the school-run factory is a forty-year-old eldest sister, she is loyal and honest, has more contact with the outside world, and knows a little bit about financial matters, seeing Guan Yuntian's sad face, she estimated that the new factory director was stumped by the funds, so she further reminded: "Director Guan, if it is not good to get a loan in the name of the enterprise, the credit union also allows you to apply for a loan in the name of an individual, especially if your teacher is a public official, you can apply for a reason, there is no need to do anything, the maximum amount of personal loan seems to be 50,000." ”

"Is there a policy?"

"I have the impression that the credit union does have this policy, because some of the acquaintances I know have taken out loans in the credit union in their own name. For public officials like you, loan terms may be more lenient. ”

After inquiring in detail, Guan Yuntian confirmed the statement of the eldest sister in the finance department. However, the maximum amount of personal loans is only 50,000 yuan, which is still half of the 100,000 yuan needed to build a brick factory! He filtered the people in his circle of friends, and finally decided to ask Mr. Lin Nan for help.

Lin Nan is a Chinese teacher at Chengguan Central Primary School, about the same age as Guan Yuntian, but she graduated from middle school and started working two years earlier than Guan Yuntian. Lin Nan is beautiful, warm and generous, it is said that the family conditions are quite good, and the social network is wide, among all Guan Yuntian's colleagues and friends, they appreciate each other and have the most contacts. But Guan Yuntian and Lin Nan are pure friends, at least on the surface, there is nothing abnormal in their personal feelings, because Lin Nan has long been famous, and Guan Yuntian has also established a relationship with a nurse in his hometown township hospital.

Guan Yuntian knew that asking Teacher Lin Nan to help with the loan in her personal name was not much different from borrowing money from her, but fortunately, the money was used to do business, otherwise it would be difficult to speak.

At nine o'clock in the morning of the next day, Guan Yuntian learned through the school's schedule that there was no teacher Lin Nan's class at that time, so he rode his bicycle to the Chinese teaching and research group of Chengguan Central Primary School and found that only teacher Lin Nan was immersed in the office to prepare for class.

"It's so quiet, are they all going to class?" This can be regarded as Guan Yuntian greeting Lin Nan.

Teacher Lin Nan looked up and saw Guan Yuntian, "Teacher Guan, why are you here?

"Before the conversion is implemented, there will be nothing going on in the factory every day. Guan Yuntian sat down at the desk opposite Lin Nan

"Changing production, the school-run factory is no longer engaged in printing?" Lin Nan put down his pen and focused on talking to Guan Yuntian.

"In addition to printing workbooks, the printing house is now unable to get any other business, those advertising materials that can make money, people go to the typing and copying shop in the city for an hour or two, at most half a day can be done, and the quality is very good; the same business to our campus printing house, a week is fast, waiting for ten days is also common, the quality may not be able to satisfy customers, who do you say is willing to put the business in the campus printing house? The profit of printing homework is very low, I think even three or five people can not be supported, do you say that there is a way out if you don't transfer production capacity? If we continue to guard the printing business, I don't think it will take long for the school-run factory to become yellow. ”

"Yes, now that there are many new typing and copying shops in the city, the impact on the printing house is too great! Have you thought about it? Which line of work are you going to do to change production? Has Principal Qi agreed?" Lin Nan felt sorry for Guan Yuntian, and had been paying attention to his movements, feeling that a college graduate was really wronged to work in a primary school.

"I want to produce red bricks, you see, now the construction scene in the city and countryside is in full swing, in addition to building bridges and roads, building buildings and factories, which unit does not need red bricks? I think the production of red bricks must be easy to sell, and you can also make money. As for President Qi, at that time, I agreed to go to the school-run factory on the condition that I was allowed to run it independently. ”

"So, you're going to have to leave the printing industry behind and start anew?"

"So to speak. There are only a few homework books left in the printing business, and it is enough to leave two or three people, and I want to focus on the conversion of production. ”

"It's a good idea. Mr. Guan, I didn't expect you to be interested in doing business. ”

"I've never been in contact with a company before, but when I first arrived, I felt that it was difficult every step of the way. ”

"What's the matter? I was full of pride just now, but now it's hard again?" Lin Nan noticed the change in Guan Yuntian's mood.

"It's not that I started from scratch to produce red bricks, and it costs money to build a kiln factory to buy machinery! The campus printing factory can't even pay salaries, so naturally there is no money that can be used, some people suggested that I take out a loan from a financial institution, but a unit like the campus printing house has no loan qualifications at all, so someone gave me an idea, let me apply for a loan from the credit union in my personal name, I went to the credit union for consultation, this method is feasible, but each person can only borrow 50,000 yuan at most. Guan Yuntian's expression became even more gloomy.

"Do you know how much money is needed to build a brick factory?"

"I consulted insiders, and they said it would cost about 100,000 yuan. ”

"Ouch, it's still halfway there, didn't you mobilize the employees of the campus printing factory to help you get a loan in your personal name?"

"In this matter, I don't want to involve them, because I put forward the idea of changing production, and besides, I just went there, and it is not appropriate to make such a request with the employees, and I want to bear it myself. ”

"Then what are you going to do? Aren't you only able to borrow 50,000 yourself?"

"Teacher Lin Nan, I came to you today just to ask you for a favor. ”

"How do you want me to help you?"

"I would like to ask you to help me borrow 50,000 yuan in my personal name. ”

"Oh----, it's okay," Lin Nan agreed without hesitation, but she continued, "Why don't I help you borrow it from my relatives and friends?"

"It is a lot of trouble to borrow from relatives and friends, so I think it is better to borrow from a bank. ”

Because his family was poor since he was a child, the difficulty of his parents borrowing money from others has become a lingering shadow in Guan Yuntian's heart, and when he grows up, the last thing he wants to do is borrow money from others. Although asking Lin Nan to help with the loan in his personal name is also a disguised borrowing of money, he thinks it is better to say that it is better than asking Lin Nan's relatives and friends to borrow money directly, and besides, Guan Yuntian does not want to add more trouble to Lin Nan.

"Okay, you go to the loan procedures, what do you need me to do, you can come to me at any time. Lin Nan felt that Guan Yuntian took out a loan to do the right thing, and the production of red bricks was also a right way, and such a thing was worth helping.

In addition to solving the funds needed for the transformation of production, Guan Yuntian also has another purpose, in his opinion, since he has entered this industry, he will inevitably deal with financial institutions in the future, he did not know each other with the people in the bank before, he wants to establish some kind of contact with the people of the local financial institutions through this loan, at least a familiar face, to lay a foundation for future exchanges.

After obtaining Lin Nan's consent, Guan Yuntian went to the director of Chengguan Credit Cooperative to discuss the loan, he inquired in advance about the director's surname Chang, when he came to the business window, the staff inside asked: "What business do you do? deposit or withdrawal?"

"I neither deposit nor withdraw money, let me inquire, may I ask where is your permanent director?"

Guan Yuntian thought that this was a big institution, but in fact, in addition to the business hall and the finance room, there was only a very small office next to it.

The staff pointed with his hand and said kindly: "It's the one with a half-open door, you just knock on the door and go in." ”

Guan Yuntian thanked him, approached the door of the director's office, stretched out his hand and knocked on the door three times, "May I ask if this is Director Chang's office?"

"You ----? please come in. In front of the simple desk, the white and slightly chubby man in his forties raised his head and looked at Guan Yuntian.

"May I ask you are Director Chang, right?" Guan Yuntian wanted to give the other party a cigarette.

"My surname is Chang, please take a seat. Sorry, I don't smoke. You are ----?"

Guan Yuntian sat down on the chair opposite Lao Chang, "I am Guan Yuntian from Chengguan Central Primary School and Factory, and I haven't been in office for a long time. ”

"Oh, I have to know, the former factory director has been transferred?"

"He left, and the school transferred me over. ”

"So, you're also a teacher at Central Elementary School?"

"I graduated from the Teachers College the year before last, and it was only two years after I went to the Central Primary School. ”

"Well, it looks young. What are you looking for me?"

"Director Chang, our school-run factory wants to change production. ”

"Why, don't do printing anymore?"

"The printing industry is not easy to make money, and the business that is easy to make money is not profitable, and the employees have not been paid wages for half a year. ”

"Oh, I really didn't expect it to be so difficult to run a school-run factory, and it was right to change production. "It's the same old way.

"I want to produce red bricks, which are widely used and used in large quantities, and they will definitely not be sold. ”

"It seems that you have been prepared for a long time! Red bricks should sell well, but you have to invest in building a factory. ”

"Director Chang, it is for this reason that I would like to ask the bank to give us some support. ”