"Manager Ma, I haven't seen you for such a long time and you didn't even give me a call." Cao Shujie complained first.
When Ma Changrong heard what Cao Shujie said, he thought: "You are such a busy person, how can I dare to call you casually?"
But he didn't say that.
"Director Cao, I have just come here. I am not familiar with many tasks. I have been learning from you since I came here. I called you rashly because I was afraid that I would convey the wrong policy." Ma Changrong said.
"Which one of us is following which one? Manager Ma, have you been busy recently? Are there any good policies from above?" Cao Shujie asked him.
Ma Changrong understood what was going on as soon as he heard it. He quickly told Cao Shujie that there were many policies for rural economic development recently, and the interest rates were not high.
"Manager Ma, we haven't seen each other for a while, so I'm going to have a meal with you today," Cao Shujie said.
He was not polite at all.
After hanging up the phone, he asked Song Baoming to drive him to the county.
Whether it is Caojiazhuang or Qingshi Town, it is not far from the county seat.
As soon as he arrived at the Yiling Rural Commercial Bank branch in the county, Cao Shujie saw Ma Changrong standing in front of the bank before getting off the bus.
"Manager Ma."
Waiting for Song Baoming to stop the car and open the door, Cao Shujie got out of the car and shouted.
When Ma Changrong saw the car, he turned around and walked over.
"Director Cao, I knew it was you as soon as I saw this car." Ma Changrong said with a smile.
It’s been a year since we met at the beginning of the year, and it’s already the end of the year when we meet again.
During this meeting, the two seemed particularly cordial.
"Mr. Ma is waiting for me on a special trip?" Cao Shujie asked.
Ma Changrong said with a smile: "I just feel a little bored staying in the office, so I came out to do some exercise."
The two of them laughed and said nothing more about it.
After Cao Shujie came over, Ma Changrong stopped exercising outside and turned around to lead Cao Shujie toward the bank.
This branch in the county is indeed much larger than the one in town.
It turns out that the Yiling Rural Commercial Bank in Qingshi Town should be called a branch office, and there is only one person in the credit center, Ma Changrong.
But there are three people in the Yiling Rural Commercial Bank Credit Center in the county.
The other two people, a boy and a girl, were quite old. When they saw Ma Changrong and Cao Shujie coming in, they could only envy them.
As bank loan practitioners, they recognized Cao Shujie, who was well-known in their county, at a glance.
They also wanted to deal with Cao Shujie, but they had no choice. The reason why Ma Changrong was promoted to work in the county bank had a lot to do with Cao Shujie being his client.
Moreover, seeing that Ma Changrong and Cao Shujie have a good relationship, the other two people knew that their attempts to poach them were in vain.
At this level, it's okay to give priority to interests, but it's more about human relationships.
Ma Changrong has an independent office here, but it is not big. This is indeed not as good as when he was in Qingshi Town.
But when Cao Shujie came today, he couldn't look too shabby. Ma Changrong took Cao Shujie directly to the VIP reception room. All the fruits and drinks were prepared, and the tea was brewed, waiting for Cao Shujie to arrive.
It seems that they were prepared to go there immediately after receiving the call from Cao Shujie. The two of them were in a tacit understanding.
Drinking tea, eating fruit, and chatting about what they have been doing for the past six months.
During this period, someone at the bank knew that Cao Shujie came to their bank to do business. When everyone passed by the VIP reception room inadvertently, they took a look inside and wanted to see what the real Cao Shujie looked like, but no one came in to disturb him.
them.
Many people in the Yiling City Rural Commercial Bank system have heard of Cao Shujie, mainly because Cao Shujie is their big customer, and also because it is said that Cao Shujie is now the richest man in their county.
Because the other two companies in Pingyuan County with annual revenue of more than 1 billion yuan are state-owned or central-owned enterprises, only Xuemeng Food Factory is a private enterprise.
I don’t know what Manager Ma and Cao Shujie were talking about inside, but looking at the two of them smiling, it seemed like they had a good relationship.
In the VIP reception room, Ma Changrong told Cao Shujie what happened after he was transferred to the county branch.
In Ma Changrong's words, after coming to the county from the town, he was not very good at work, and his work was not as good as expected.
In a place like a bank, no matter how well you have done in the past, it will be difficult to do anything without performance in a new job.
Ma Changrong understands this very well.
"Manager Ma, we are not outsiders, and I won't lie to you. I have a big order for you today, and you have to find a way to give me a discount."
Cao Shujie did not hide anything.
He is completely different now than when he first met Ma Changrong a few years ago.
At that time, he didn't have much money on hand, so he had to rely on loans if he really wanted to do something.
In order to get the money, he resorted to various tricks without saying anything reliable.
They even give gifts in order to get money.
But it's different now. Cao Shujie's identity, status, and worth are all there, and he has made all kinds of beautiful achievements, and he doesn't even need a third party to evaluate him.
"Xuemeng Food Factory is short of money again?" Ma Changrong frowned in confusion.
"Didn't you just borrow more than 300 million yuan the year before last?" Ma Changrong said subconsciously.
It is now January 2016.
Just after the new year, the head office of Yiling Rural Commercial Bank also assigned new tasks to its branches.
For example, when Ma Changrong was in the town, his annual loan tasks were only a few million, with the highest amount being more than 10 million. However, after he came to the county last year, the bank gave him a task of 15 million, and he did not complete last year's task.
, but because he took a big job for the head office in the second half of 2014, which was a 350 million loan from Cao Shujie, plus another 50 million loan from Cao Shujie, the head office did not evaluate him last year, and his salary and bonus were
Correctly posted.
But all the benefits were exhausted last year, and there will be no such good things this year.
Moreover, the loan task of their branch this year is 140 million yuan. When divided among the three of them, each of them has a loan task of nearly 50 million yuan.
Ma Changrong has been worrying about how to complete this task this year.
But what he didn't expect was that January had just begun, not even 1/3 passed, and Ma Changrong actually received a call from Cao Shujie.
Cao Shujie was very happy to come to him this time and asked for a loan.
"Manager Ma, listen to me. It's not that Xuemeng Food Factory is short of money, it's Zhongcheng Breeding Cooperative..."
As soon as Cao Shujie said the name of Zhongcheng Breeding Cooperative, Ma Changrong wondered: "Isn't that right? I heard that Zhongcheng Breeding Cooperative just distributed more than 40 million yuan in dividends some time ago? You guys ran out of money so quickly?"
"These are two different things." Cao Shujie told Ma Changrong the current situation of the Zhongcheng Breeding Cooperative.
He said: "Manager Ma, to be honest, if it were my own business, I wouldn't be short of money at all."
"Even if I are asked to repay the 350 million loan now, there is no problem, but Zhongcheng Breeding Cooperative belongs to everyone. My personal funds cannot be involved in this matter, and a loan is the most cost-effective." Cao Shujie said.
He has hundreds of millions in cash, but this does not mean that he will help Zhongcheng Breeding Cooperative unconditionally.
Not even charging interest.
It's better to go to the bank.
Ma Changrong believed deeply in what Cao Shujie said.
He had frequent contact with Cao Shujie before, and he knew that Cao Shujie was very conservative. If he felt unsure about something, he would definitely not take risks.
So when Cao Shujie said he was rich, he probably had more money than he imagined.
But that is Cao Shujie's skill. As Cao Shujie said just now, they are now discussing the loan in the name of Zhongcheng Breeding Cooperative.
"In this case, you can use the name of Zhongcheng Breeding Cooperative to obtain loans to support farmers, and the interest rates are very low," Ma Changrong said.
This is a new policy issued by the People's Bank of China after the national level promulgated economic policies to support agricultural development last year.
It cannot be said to be an interest-free loan, but the annual interest rate is less than four points, which is very cost-effective.
And this policy was implemented by Yiling City Rural Commercial Bank, in order to compete with the big banks for business, and also to show off in the face of big policies, on the basis of this low interest rate, there are discounts.
"The interest rate is less than three points, which is really cost-effective." Ma Changrong emphasized this point repeatedly.
He had seen the news about Zhongcheng Breeding Cooperative's dividend distribution last year and was very surprised that Zhongcheng Breeding Cooperative's revenue last year was 117 million yuan and its profit dividend was more than 40 million yuan.
But it is precisely because of this that he knows that the property of Zhongcheng Breeding Cooperative is real.
According to what Cao Shujie just said, Zhongcheng Breeding Cooperative raised more than 6,500 cattle last year, and this year the number of calves has reached 8,000, and they also bought 2,000 pregnant cows.
From these data, Ma Changrong has realized that Zhongcheng Breeding Cooperative has a bright future as long as there are no major mutations.
They are only temporarily short of money. At this time, Ma Changrong certainly knows what he should do.
And this order is very likely to help him complete this year's tasks, so why not do it.
Cao Shujie also didn't expect that the interest rate after the discount would be less than three points.
For example, if Cao Shujie wants to borrow 50 million yuan, based on an interest rate of 3%, the interest for one year will only be 1.5 million yuan.
And according to Ma Changrong, the actual interest rate is still low, which almost means you can take the money and spend it.
This is so cheap!
For normal commercial loans, short-term interest rates are basically above 5%.
It made Cao Shujie want to borrow some money to invest.
"How much does Director Cao need?" Ma Changrong asked him.
Cao Shujie shook his fingers and said, "I don't need money, Zhongcheng Breeding Cooperative does."
Ma Changrong was too lazy to correct the problem. He asked Cao Shujie again, how much loan would Zhongcheng Breeding Cooperative prepare for this time?
Based on the total cost of feed incurred by each cow from purchase to slaughter, which is approximately 4,500 yuan, the total cost of feeding 8,000 calves is equivalent to 36 million yuan.
Cows are a long-term breeding process, but because they eat less than beef cows, the feed cost is cheaper. Based on the feed breeding cost of each cow being about 3,800 yuan, the breeding cost of this area is about 7.6 million yuan.
The total cost of feeding 8,000 beef calves and 2,000 cows alone is 43.6 million yuan.
During this year's breeding period, it is impossible for there to be no other surprises, so the more than 10 million left in the Zhongcheng Breeding Cooperative's account is used as emergency preparation expenses. Cao Shujie even felt that if Zhongcheng Breeding Cooperative this year
If you want to live safely, a reserve fund of more than 10 million is far from enough.
It must be doubled at least.
Thinking of this, Cao Shujie had something in his mind.
He said to Ma Changrong opposite: "Manager Ma, do you believe it? By the end of this year, the 8,000 beef calves of Zhongcheng Breeding Cooperative will still be sold for more than 120 million yuan?"
When Cao Shujie did not directly tell how much the loan was, but instead talked about Zhongcheng Breeding Cooperative's revenue this year, Ma Changrong did not have any doubts.
"Director Cao, I believe that as long as there are no major doubts, Zhongcheng Breeding Cooperative's revenue this year will be much higher than 120 million yuan. Just tell us how much Zhongcheng Breeding Cooperative will borrow this time so that we can make an assessment."
"Generally speaking, as long as the capital is less than 100 million, it won't be a big problem." Ma Changrong told Cao Shujie the bottom line.
He wished that Cao Shujie would just ask for a loan of 100 million yuan. In this case, their bank would have completed more than half of its loan tasks this year before January was over.
By then he will be the hero of this bank.
The next step is promotion, salary increase and bonus, and he will have no worries in the next two years.
But Cao Shujie didn't ask for that much money. He stretched out his right fist and pried open his thumb and little finger: "60 million yuan, two years, how long will it take to get the money?"
"Is 60 million enough? Director Cao, to be honest, there are not many such preferential loans. Zhongcheng Breeding Cooperative can make a big deal and continue to expand its scale by relying on the right time and place."
Like a liar, he described a bright future: "Director Cao, your Zhongcheng Breeding Cooperative has grown in size, are you still worried that you won't be able to make money?"
Seeing Ma Changrong speaking with enthusiasm, Cao Jie suddenly remembered another face, and they both had the same surname.
"Manager Ma, you are trying so hard to deceive me now. You really look like the Jack Ma I met a few days ago!" Cao Shujie said.
Ma Changrong laughed. Since Cao Shujie said that, he wouldn't say anything else.
And 60 million, a two-year loan is quite a lot.
Based on this calculation, his loan task for next year has almost been completed.
For Cao Shujie, as long as Zhongcheng Breeding Cooperative gets this money, it will be able to recover this year, and after the turnover is over next year, there will be no worries.
"This year has been difficult. Everyone has to tighten their belts to get by!" Cao Shujie lamented.
But Ma Changrong opposite him thought Cao Shujie was crying about poverty.
The corner of Ma Changrong's mouth twitched, and then he said: "Director Cao, if you have to tighten your belt to live, then we can't put a rope around your neck?"
Cao Shujie burst out laughing when he heard what he said.
Knowing that Ma Changrong misunderstood what he meant, Cao Shujie did not defend himself.
He said: "Manager Ma, let's finish the formalities now. We'll be done soon. Let's find a place to have something to eat."
"That's no problem, I'll treat you to lunch today." Ma Changrong was in a good mood.
Apart from anything else, what Cao Shujie just said is that if Zhongcheng Breeding Cooperative borrows 60 million yuan, this matter will definitely come true.
