Chapter 634 This year’s Mid-Autumn Festival (730.01 million)
When they met Cao Shujie, Liu Huaizhong and Wan Shengyun never expected to see Cao Shujie again a few months later. He became incomprehensible.
"Hello, Boss Cao." Wan Shengyun spoke first.
"President Liu, Minister Wan, welcome!" Cao Shujie came up and shook hands with the two of them.
"Please come in quickly!"
"I apologize for any lack of hospitality."
"Boss Cao is too polite."
The two of them rushed to the Qingshi Town branch and came with Ma Changrong. It was almost noon.
This time we are mainly talking about Cao Shujie’s loan.
According to what Ma Changrong said, Cao Shujie wants to bring 500 million yuan this time.
To be honest, this amount is a bit large.
But everything is negotiable, and the same goes for loans.
Especially on the bank side, loans are very flexible.
The leaders at the top are optimistic about this project and have great expectations for it. Who dares to hinder its development?
If the later leaders suddenly remember one day and take another look, they will be able to bear the stigma of Cao Shujie's crooked mouth and dragging down the development of the project.
"Mr. Cao, regarding the loan..."
Before Wan Shengyun finished speaking, Cao Shujie said: "Mr. Wan, you see it's noon, let's go have some food first, and we can talk in the afternoon if we need anything."
Ma Changrong, who was sitting next to him, had a strange expression on his face. He immediately thought of what Cao Shujie said when he went to find him in the morning. Wouldn't these two people come here during the meal?
Facts have proved that neither Liu Huaizhong nor Wan Shengyun had any idea in this regard, but the timing just happened to happen.
It was difficult for Cao Shujie to refuse such hospitality, and since it was already noon time, they moved to the hotel first, and Cao Shujie took the fruit wine and liquor.
He has dealt with the bank gang so many times that he knows they can drink.
Fruit wine can only be used as a drink to rinse your mouth. To really drink it, it has to be as strong as white wine, and it must be very high.
The two of them reluctantly followed Cao Shujie, but thinking that they had other things to do in the afternoon, they didn't drink much at noon.
Everyone is not a fool and has a clear head.
During lunch, Cao Shujie began to talk about the company's next plan and the company's current delivery status.
Xuemeng Food Factory is one of the few high-quality companies in terms of finance, delivery, production, personnel, market, etc.
From a bank's perspective, they feel safe lending money to such companies.
I don’t even have to worry about Xuemeng Food Factory not being able to pay back the money.
But there is a saying that 500 million is still too much.
Especially at this stage, the market economy is not very good, and no one can guarantee what will happen next.
According to Cao Shujie, if the loan is required for two years, the annual interest alone will be 28.25 million, and the monthly interest required will be 235.4, plus the monthly principal repayment of more than 20 million.
In addition, Xuemeng Food Factory still has a loan of 65 million from their bank. Although part of it has been repaid, the sum of these loan repayment plans is not a small amount.
"Can Xuemeng Food Factory be able to sustain it by then?" This is a risk management and control issue that Wan Shengyun must consider.
"President Liu, Minister Wan, let me tell you..." Cao Shujie made lavish remarks about their company, as if it was particularly awesome.
However, Cao Shujie also knows that it is difficult to get a loan of 500 million, and in the end it will be whatever he can get.
When they returned to the company from the hotel, they were still discussing, trying to find a number that both parties could compromise on.
In the end, the two parties reached an agreement at 350 million.
Liu Huaizhong and Wan Shengyun also breathed a sigh of relief.
Cao Shujie made three loans to their company in the name of Xuemeng Food Factory.
The first loan was RMB 15 million in May last year, which has been repaid for more than a year. The remaining principal and interest combined are only over RMB 5.2 million, and the remaining part is due in April next year.
The second loan was a one-year short-term loan of 50 million yuan that Cao Shujie received from their bank in April this year.
Adding the principal and interest together, the monthly repayment is 4.35 million, which is also due in April next year.
The third tranche is the 350 million two-year loan that Cao Shujie wants to borrow now.
If this loan can be approved as scheduled, the total principal and interest will be 383.6 million. After all calculations, Cao Shujie will have to repay nearly 16 million in principal and interest every month.
If you are an ordinary person, just hearing the numbers will make you breathless.
Adding up these three loans, the monthly repayments are nearly 21 million yuan.
For Cao Shujie, there is an advantage here. His first loan and second loan will all expire in April next year. Not counting this month, he only needs to repay for another 8 months, and those two loans will be over.
Already.
By that time, he will only need to repay the third loan of less than 16 million per month, which should not be difficult.
After Cao Shujie, Liu Huaizhong, and Wan Shengyun finished negotiating the loan, the staff who came with them also listed all the relevant information for Cao Shujie to review.
In fact, it is to let Cao Shujie know what he is doing, and to let Cao Shujie assess in advance the risk of borrowing the money.
But they didn't know that Cao Shujie was determined to borrow the money.
After receiving the money, Cao Shujie will use it to discuss advertising as soon as possible and finalize the matter as soon as possible to avoid other troubles.
For Cao Shujie, his favorite variety show right now is "The Strongest Brain" which will be broadcast in January next year.
He even thought of the advertising slogan.
"Aimeng Preserved Fruit helps "The Most Powerful Brain". Eat Aimeng Preserved Fruit to make your body healthier and your mind smarter."
Simple and direct, no fancy stuff at all.
…
When Liu Huaizhong and Wan Shengyun left, they also took away the loan information that Cao Shujie had prepared in advance and wanted to take it back to the head office for a symbolic review.
Cao Shujie originally wanted to give them some benefits, but the two of them said nothing.
They still don't know what the relationship between Cao Shujie and Wang Qinghui is. They really don't dare to interfere casually at this time. What if they accidentally offend a big shot?
When they left, Cao Shujie asked, and Liu Huaizhong told him that it would take at least 10 working days to get the result.
Cao Shujie calculated it. If he calculated it this way, he would get around the 10th of next month.
The 8th of next month is the Mid-Autumn Festival, so it’s hard to tell the time.
Cao Shujie did not continue to wait for the results. There were still many things to be busy with in the village.
We need to buy Mid-Autumn Festival benefits, and we also need to visit the village to express condolences.
In addition, Cao Shujie also had to contact the person who bought the cattle.
He has more than 1,000 cattle to sell, and the Zhongcheng Breeding Cooperative also has more than 1,300 cattle to sell. These more than 2,000 cattle are enough for the market to digest.
"It's a pity that my factory can't handle fruit processing right now. Otherwise, we need to set up a production line for deep processing of beef." Cao Shujie changed this idea in his mind.
But this time he was not blind, and he also knew that he was not weak-minded, and it was better to be cautious about some things.
…………
Caojiazhuang is particularly lively during this period.
As the Mid-Autumn Festival approaches, everyone is wondering, what benefits will be given during this year’s Mid-Autumn Festival?
In addition, all farmers participating in the Zhongcheng Breeding Cooperative are also thinking about how much money they can make from selling cattle this year.
Similar to the prices in previous years, the market price of slaughtered beef cattle this year has not increased much, and has even dropped a few cents compared to the same period last year.
Everyone knows this in their hearts and follows the market.
But there are also some people with clear minds who realized at this time that if they did not join the Zhongcheng Breeding Cooperative, if they chose to raise their own calves, they would face a much higher buying price for calves than in previous years, and then think about this year's slaughter of calves.
If the price does not rise but falls, under these two conditions, there will be a result that this year will not be as profitable as last year.
However, they joined the Zhongcheng Breeding Cooperative last year and saved breeding costs in terms of personnel allocation of feed and pasture feeding. In addition, the cost of purchasing calves is relatively low, which in turn can achieve greater economic benefits.
At this point, the whole village trusted Cao Shujie even more.
…
"Shujie, I heard that they are discussing the killing of cattle. When will our family kill it?" Cheng Xiaolin asked her husband.
Cao Shujie thought about it and realized that the Mid-Autumn Festival was just a few days away and he had to make time to give gifts. The beef he raised himself was also part of the gift, so he had to kill the cattle 2 to 3 days in advance.
"I'll call Uncle Li in two days and take the time to choose the heaviest one and send it over so that he can be slaughtered," Cao Shujie said.
At this point, Cao Shujie told his wife that after killing the cow, he would give the gifts and they would go to Chengjiapo together to give some holiday gifts to his father-in-law and mother-in-law.
"It's okay. If you're busy, do your work first. I'll take Mengmeng home." Cheng Xiaolin said this.
This year is Cao Shujie's busiest day in the past few years. He originally promised Mengmeng that he would go out to play, but he has yet to fulfill his promise.
Cheng Xiaolin saw this and knew that her husband was not an ungrateful person, so she also understood him.
But Cao Shujie shook his head: "Honey, if you say that, I won't give gifts to anyone else. I have to give things to Mengmeng and her grandma first."
Cheng Xiaolin laughed and said, "I have received your thoughts on their behalf. You can finish your work first and then talk about it."
"Hey!" Cao Shujie nodded.
After the time turned to September, Cao Shujie became even busier.
When the village committee went to buy Mid-Autumn Festival benefits, Cao Shujie didn't even follow.
It was Cao Jianlong, Gao Changyin, Cao Zhengcun, and Lu Ping who went together.
In addition, a village representative from the village was also selected to go with him to listen to the villagers' voices and see what they needed.
This was something that none of the villagers expected.
Welfare distribution this year is truly humane.
At this time, Cao Shujie was busy, or preparing things for him to give as gifts.
The kiwis from his orchard must be given away, and the largest ones are specially selected and packed into boxes.
Kiwi fruit wine and strawberry fruit wine are mixed and packed, 4 bottles per person.
But a few special characters each have a box of two kinds of fruit wine.
The three types of apple preserves, strawberry preserves and kiwi preserves produced in the factory are mixed and packaged in one box each.
Then there are the cattle that Cao Shujie raised himself, and the meat was cut and given as gifts.
In addition to these, Cao Shujie will also select the ones of average quality and send them out from the antlers harvested by Cao Shujie in the past two years.
For the most important people, Cao Shujie will also give away the best quality ones.
It’s not because of his power, but because people do have distance and distance.
After making a list of all the people, Cao Shujie suddenly realized that killing one cow might not be enough. He thought of killing two cows, and then each family would give a little more, and the gifts would be delivered at once.