"Honey, you keep an eye on it at home. I'll go to the rural commercial bank in town to find Manager Ma." Cao Shujie said to his wife Cheng Xiaolin.
"Drive slowly on the road." Cheng Xiaolin warned him.
All the application materials for the ‘interest-free loan to assist the agricultural economic development of rural areas and farmers’ were ready. Cao Shujie took the documents and drove directly to the credit manager Ma Changrong.
Ma Changrong is a middle-aged man in his 40s. Perhaps due to high work pressure, he is bald on the top of his head and is also skinny.
When he saw Cao Shujie, Ma Changrong directly welcomed him in: "Mr. Cao, are all the information ready?"
"Manager Ma, the documents are all ready. Some of them need certification documents from the government, so it took a few days." Cao Shujie explained.
Ma Changrong knew that the government's process was more complicated and took more time, so he didn't take it seriously. He took Cao Shujie to the credit office and made a pot of tea, which the two of them drank slowly.
Ma Changrong asked Cao Shujie to give him all the relevant information: "Mr. Cao, you drink tea first, and I will look at the information first."
"Okay, Manager Ma, just be busy." Cao Shujie was no longer anxious at this time.
After sitting here for a while, Cao Shujie found that Ma Changrong's place was very deserted, and he had not seen a second person except him.
Apart from withdrawing money, the Rural Commercial Bank has no other business.
Maybe because of the relationship in the town, the demand for funds is not as strong as in the city.
Cao Shujie analyzed this discovery. Overall, it was good for him.
Ma Changrong read every piece of information carefully. It took almost 20 minutes before he raised his head and looked at Cao Shujie with a joyful expression: "Mr. Cao, I just looked at the information and it was all prepared. In this case
, we will find a third party to conduct the evaluation, and based on the evaluation results, we will submit it for review and release the loan."
"Manager Ma, how much money do you think I can borrow?" Cao Shujie asked.
Ma Changrong shook his head: "Mr. Cao, it's really hard to say. It mainly depends on how much the third-party evaluation company can give."
There are many ways here, and Cao Shujie is not ignorant of the world. He directly asked Ma Changrong which third-party evaluation company is better.
"Manager Ma, you have read my information. I have contracted a total of 78 acres of mountain land this time. Including the previous 7 acres, the total is 85 acres. My plans are also in the information. I plan to install barbed wire fences.
, digging a well in the mountain, re-laying irrigation and watering channels, and other aspects that require a lot of money."
"Assuming that the additional investment cost per mu of land is 4,000 yuan, I will have to prepare at least an additional 300,000 yuan." Cao Shujie said in detail, and also raised the additional cost as high as possible.
He is not stupid. Now that he has this opportunity, he wants to make more money.
He also found supporting documents from the prepared materials from time to time: "This money is only the investment cost in the first year."
"Manager Ma, you also know that when we grow fruits, we usually continue to invest in the first three years without much output. I also have some money, but if I continue to invest, I won't be able to sustain it for a long time."
"Mr. Cao means that he needs a loan of 900,000, which is not a small amount. Even if we find a suitable third-party appraisal company, it will not be easy." Ma Changrong was very embarrassed.
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Cao Shujie saw a stack of A4 paper and a gel pen in front of Ma Changrong. He took it directly, wrote the word '1 million' on the paper, and then pushed it in front of Ma Changrong: "I only need 900,000."
It is enough to cover all the expenses in the early stage of production, and repayment after production is no problem at all.”
Ma Changrong glanced at Cao Shujie in surprise. He never expected that the young man in front of him looked a little immature, but he was very sophisticated in his work.
"Mr. Cao, this is really not a small amount of money..."
"I have already signed the contract and paid the first phase of the contract fee of 100,000 yuan. It is too late to quit at this time. I might as well give it a try." Cao Shujie didn't seem worried. He said, "I don't care about other aspects.
It’s easy to say, but when it comes to planting, I’m still very confident.”
"Mr. Cao, I just saw that you are still a bachelor's degree graduate in agriculture. There are not many young people like you who are willing to return to your hometown to start a business." Ma Changrong looked at Cao Shujie with emotion.
Cao Shujie did not speak, and Ma Changrong continued: "Our special loan to 'support the economic development of rural areas and farmers' was originally intended to solve the problem of shortage of funds for rural entrepreneurs. Mr. Cao's plan is well-founded and can effectively solve the problem in the future."
Fewer jobs, I think this is in line with the current long-term and effective agricultural development support policy."
Hearing Ma Changrong's words, Cao Shujie laughed.
He knew in his heart that the matter was basically settled.
As for how to operate in the middle, Cao Shujie didn't care. He picked up the tea cup and took a sip: "Manager Ma, when are you free? Let's have two cups together."
Hearing what Cao Shujie said, Ma Changrong did not refuse in a hurry. He said, "Let's wait until we are done with this matter. I have such a temper. If I don't finish the work on hand, I won't enjoy anything I eat."
"Haha, okay, I'm just waiting for Manager Ma's call." Cao Shujie said and left.
Ma Changrong looked at the LaCrosse that Cao Shujie drove away. He didn't know what configuration it was, but he knew that the lowest naked price of this car was more than 240,000.
Anyone who can afford to drive such a car must have some special skills, and Ma Changrong sincerely wants to make friends with him.
When Cao Shujie returned home, it was just time for dinner. His father, Cao Jianguo, and Cao Zhenggang were all eating.
His mother Wang Yuelan, his wife Cheng Xiaolin and his daughter Mengmeng were also eating. Mengmeng was chewing a piece of fatty meat, and the corners of her mouth were dripping with oil.
Seeing Cao Shujie come in, Mengmeng ran towards him without even eating: "Dad!"
"Hey, Mengmeng, run slowly and swallow the meat in your mouth first." Cao Shujie said.
Mengmeng didn't care and rushed over. The oil on the corner of her mouth was all printed on Cao Shujie's pants.
"-_-||" Cao Shujie's face turned dark. He doubted that Mengmeng did it on purpose.
Cheng Xiaolin burst into laughter after seeing it.
Cao Zhenggang turned around and saw him, and said with a smile: "Shujie, you are here just in time. I have something to ask you."
"Grandpa Zhenggang, what's wrong?" Cao Shujie asked.
Cao Zhenggang smiled and said, "Your house will be finished in a week at most."
"So fast?" Cao Shujie was a little surprised.
But Cao Jianguo, who was eating next to him, said: "Shujie, it will be a month soon. Your grandpa Zhenggang was afraid of delaying your stay, so he never stopped."
Cao Shujie understood what his father meant and said solemnly: "Grandpa Zhenggang, the construction will be completed in a few days. Let's go to the Fuxing Hotel in town for a drink."
"No, your family usually entertains us with delicious food and drinks. If we procrastinate on work, we will feel a little embarrassed." Cao Zhenggang said.
But Cao Shujie shook his head and said, "Grandpa Zhenggang, I have something else I want to ask you for help with."
"You said?" Cao Zhenggang was thinking, what else could happen?
Then I heard Cao Shujie say: "Grandpa Zhenggang, you also know that I have contracted the mountain behind, and I plan to raise some pigs in the future. I will definitely not be able to handle it by then, so I just thought of raising some pigs."
Put up barbed wire around it to prevent pigs from running around."
"When you are finished here, if you have time, help me install the barbed wire fence. The wages will be calculated as you want." Cao Shujie stated his purpose.
