Cui Wending was walking back and forth in the hall when he saw a middle-aged man wearing a plain coat sitting in front of a "loan officer", blushing. The loan officer seemed to have rejected the man and wanted to catch up with him.
The man left. But the man was not convinced and sat on the chair and refused to leave.
The loan officer asked the loan applicants behind him to come up, but the chair was occupied by this middle-aged man, and the other applicants could not speak.
The loan officer frowned and asked "security" to come out and drag the person out.
Cui Wending took a look at the middle-aged man and saw that although he refused to leave, he did not have the temperament of a rogue. His face turned red with anxiety, obviously he was really worried.
Seeing that the loan officer really got up to call "security," Cui Wending coughed and stepped forward to stop the loan officer. He stood in front of the middle-aged man, looked him up and down, and asked: "This merchant, why do you keep pestering him?"
,Refuse to leave?"
The middle-aged man looked at Cui Wending and saw that Cui Wending had a calm face and was wearing a satin jacket. He knew that this must be a manager. The middle-aged man thought for a while, stood up and bowed to Cui Wending, saying: "This
You are a noble man! I, Fu Yi, planned a good deal that was bound to succeed. I used the homes and properties of my relatives and friends as collateral to get a loan. However, I visited a bank in Acropolis and three banks in Fanjiazhuang, but was rejected by the loan officer all the time.
It’s really unacceptable.”
Cui Wending looked at the loan officer, who said: "President, believe me, this project is too risky and cannot be done."
Cui Wending originally hoped that the loan officer would tell the whole story clearly, and then he could make a judgment. Unexpectedly, as a new branch president, Cui Wending would not be convinced by the loan officer in the branch. The loan officer had clear meaning behind his words.
It's Cui Wending who doesn't know how to do it, so he told Cui Wending not to care about this matter.
Seeing the loan officer's attitude, Cui Wending frowned and felt a little annoyed.
He walked to the loan officer's position, waved his sleeves and said, "Get out of the way!"
The loan officer was stunned and looked at the middle-aged merchant opposite and Cui Wending. After staying for more than ten seconds, he stood up helplessly and gave up his seat to Cui Wending.
Cui Wending sat calmly in the loan officer's position, knocked on the table, and asked: "I am Cui Wending, the president of this bank. Tell me, what is your project?"
When Fu saw the branch president personally coming to review his loan, his face lit up with joy.
He carefully considered his words and said: "President, I have carefully considered this transaction for half a month, asked a lot of farm owners in Liaodong, and visited Liaodong twice to observe the idea. Specifically, it is the idea of being in a hurry.
If you are anxious, think about what others want."
Seeing Fu Yi's convincing words, Cui Wending nodded and motioned for him to continue.
"This time, a large number of meritorious employees of the Duke of Jin were allocated fields in Liaodong. Those large households who were allocated more than three hundred acres of land were fine. It would be better to send a relative or hire a special person to manage the farm in Liaodong. But for some, they were only allocated three acres of land.
For small households with ten or fifty acres of land, managing the land is very useless."
"If you want to collect 50% of the land rent in dry fields in Liaodong, you must use the agricultural machinery of Jin Guogong to let a tenant farm one hundred acres. But this planting method is very complicated. Not only do you have to buy cattle and machinery, but you also have to dig ditches and set up water supply systems.
Vehicles are needed for canal irrigation, otherwise it would be impossible to plant 100 acres by relying on manpower to carry water.”
"In short, managing this new type of farm is time-consuming and expensive. It is impossible for tenant farmers to have the financial resources to carry out these preliminary constructions. Small landowners must pay for the operation, but if a small landowner with only a few dozen acres hires one person to manage, he will not be able to make ends meet. If he does not hire
If you only manage it with dedicated personnel, you won’t be able to collect 50% of the land rent.”
"So I designed a special overall sale based on the needs of these small landowners. The farm owner only needs to hand over the farm to me and sign a five-year contract. I will help him build the canals and set up the water tanker, and use my service team
'The farmers employed in the farm cultivate the land using agricultural machines, and after the final harvest, the profits are distributed with the small landowners. The landowner gets three, and I get seven."
Cui Wending's eyes lit up when he heard this middle-aged man's words.
This is truly a creative business.
Li Zhi's land distribution this time created a large number of small landowners in Liaodong. The land management of these small landowners was a big problem. The problem that Li Zhi did not have time to solve at once was solved by Fu Yi. He Fu Yi paid for the construction
Irrigation machines are used to cultivate the land, and small landowners do not need to take care of anything except collecting money.
Of course, this kind of purchase is more risky when it comes to directly lending money to large landowners. Because Fu Yi's business requires a large amount of initial investment, it is not certain whether he can successfully attract business in the end.
The key is to see the quality of Fuyi's collateral. If the value of Fuyi's collateral is stable, the risk of the loan will be controllable.
Moreover, Fuyi’s loan lasts for five years, and banks don’t like to make such long-term loans.
Cui Wending smiled, poured a cup of tea for Fu Yi, and asked: "May I ask the merchant what you use as collateral?"
Fu Yi looked at the green tea on the table and said nervously: "I mortgaged the houses and fields of more than a dozen relatives and friends. These houses and fields are worth two thousand four hundred taels, and I took out a loan of one thousand five hundred taels. This thousand
Five hundred taels can be used to buy 800 acres, and the cost can be recovered in four years."
"May I ask whether these houses used for mortgage are occupied by their own owners? Are these fields cultivated by their own owners?"
Fu Yi swallowed his saliva and nodded.
Cui Wending pursed his lips and understood why the loan officer just now was unwilling to lend money to Fu Yi. Although the house he lives in and the farmland he cultivates can also be mortgaged, they are the worst collateral. In case of bad debts, the loan will be repaid.
It is simply impossible to operate. No matter how ruthless the bank of Jin Guogong is, it will be difficult to drive the homeowners to the streets and become homeless and confiscate the fields that the farmers rely on for survival.
Cui Wending pondered for a moment and said, "Our bank can handle your business!"
The middle-aged businessman opened his eyes wide with excitement and said loudly: "Seriously?"
Cui Wending smiled and said: "The risk of your business lies in whether you can receive business. This business is a completely new business, and the landlords may not accept it. According to your ability, this risk is indeed uncontrollable. But you found it
For me, Cui Wending, this risk is no longer a problem."
"I will find Zheng Yuan, the governor of Liaoning, and ask him to publish an article introducing your business in the newspaper, and encourage everyone to accept your business model. If the governor of Liaoning has spoken, the landlords will naturally not deal with your business again.
Undecided."
When Fu heard Cui Wending's words, his eyes lit up.
Cui Wending smiled and said: "Of course, once the newspaper publishes it, there will definitely be more people doing this business, and then it will no longer be your family's exclusive business. As you just said, the profit of this business is very high, it can be said that
A hugely profitable business. I’m afraid countless businessmen will flood into this business by then.”
Fu Yi said loudly: "It doesn't matter! I'm willing to let the governor publish it in the newspaper!"
The loan officer standing nearby stared when he saw that Cui Wending had negotiated the loan. However, he admired Cui Wending a little when he saw that Cui Wending had asked the governor of Liaoning for a recommendation, which solved the main risk of this transaction. His attitude was more respectful than before.
, bent down to Cui Wending's ear and said: "President, even if the risk of this transaction is controllable, the collateral is really bad!"
Cui Wending laughed and said to Fuyi: "I participated in the president training of Jin Guogong for half a month, and was repeatedly instilled with one sentence: 'The role of a bank is to manage risks.' The higher the risk, the higher the return. The collateral is poor.
If the interest rate is higher, our loan interest will also increase accordingly. Mr. Fu, the ordinary monthly interest rate for a loan is four percent, so I charge you one cent per month. Do you have any objection?"
