Zhao Erya was tired last night, her whole body ached, and she didn't want to get up. Zhang Yida and the rest of the inspection team first went to pay homage to Jiang Wei Ancestral Hall, and then came to the Embroidery Village.
Every household in this village does embroidery. Zhang Yida and his team visited several households and conducted a comprehensive survey on the quality, sales channels, production capacity and other aspects of embroidery products.
The last stop was the Ridge Beast Industrial Village.
The ridge beast is a decorative building component, mainly used for temple roof decoration. The materials include wood, glass, brick carving, stone carving, ceramics and other types.
The ridged beasts of Valley County are quite famous and are provincial intangible cultural heritage.
After talking with the villagers, Zhang Yida learned that this set of things is no longer popular today, but it was OK in ancient times. At that time, due to superstition, the ancients would add ridged animals to the eaves of various temples.
Today, their products are only used in some antique buildings and temples. The main products have been transformed into the production of civilian bricks.
I stayed in Valley County for another two days and inspected all aspects of its customs and customs.
Today Zhang Yida came to County Magistrate Wu's office and said goodbye to him.
"Why don't you stay a few more days? Mr. Zhang, are you in such a hurry to return to the capital?" County Magistrate Wu began to persuade him to stay.
Zhang Yida had no choice but to explain: "County Magistrate Wu, we have almost done everything we need to inspect in Valley County. I have several other companies in the capital and have a lot of things to do.
I can only continue to bother you next time."
Then Zhang Yida handed another document to County Magistrate Wu and said:
“This is an industry report compiled by our company’s inspectors.
It mainly focuses on some suggestions on how to expand the scale of production and operation in several industries such as chili pepper, hemp shoes, embroidery, and animal spine, as well as how to sell products overseas.
In addition, I hope that government agencies will take the lead in increasing policy support for the above industries and guide the standardized development of the industries.
Let farmers form production cooperative organizations such as planting cooperatives and handicraft cooperatives.
We use Huinong Loans to provide the funds needed to expand production, and farmers use the funds to purchase some equipment and production raw materials, and everyone works together to build the economy."
"Great! Thank you Mr. Zhang for your help and support to our valley county. On behalf of the 650,000 people in the county, I thank you." County Magistrate Wu cordially shook Zhang Yida's hand and expressed his sincere gratitude.
"Haha, Magistrate Wu is too polite." Zhang Yida thought for a while, but there was one more thing he forgot to mention. So he added:
"Next, we will initiate the establishment of Ganzhou Huinong Micro Loan Company and set up branches in Valley County. We hope that County Magistrate Wu will take care of it!"
"Haha, if you encounter any problems in Valley County in the future, just ask." County Magistrate Wu said with a hearty smile.
In this way, Huinong Loan and the Valley County Government signed the first phase of the "Huinong Cooperation Loan" framework agreement.
The agreement stipulates:
In the next year, Huinong Loan Company will provide farmers with an initial installment of 50 million yuan in entrepreneurial loan funds at an interest rate ranging from 12% to 24% for planting and handicraft farmers in Valley County to help farmers expand the scale of production and operations.
The Valley County Government is responsible for guiding and cooperating with the employees of Huinong Loan Company to complete pre-loan, loan, and post-loan review and management work.
Why set up a microfinance company?
This is why Zhang Yida considers further reducing the cost of funds and reducing the burden on rural borrowers.
At present, the cost is 10%-16%, plus operating costs, Huinong Loan may even suffer losses.
Loss is not a problem, but the loss must be valuable.
Therefore, Zhang Yida decided to adopt a small loan company cluster model to operate, and in the future, one Huinongdai small loan company will be opened in each province.
Small loan companies cannot accept deposits, and the source of funds is capital contributions from shareholders. No more than two bank financial institutions are allowed to lend funds to small loan companies, but the amount of funds does not exceed 50% of the net capital.
On the plane flying to the capital, Zhao Erya leaned on Zhang Yida's shoulder and said softly:
“I had only seen such poor places on TV before. After I visited these places myself, I realized that they were not exaggerated at all.
It’s already 2014, and there are still places that are so lagging behind, I can’t believe it.”
Zhang Yida scratched her nose and said with a smile: "You grew up in the capital. Of course you have never seen poor places. When will I take you to our Daliang Mountain in Sichuan to see it? It is even poorer than the valley.
.”
"Ah, are we even more backward than the valley counties? That's unimaginable." Zhao Erya's eyes widened with surprise on her face.
Then he smiled and kissed Zhang Yida: "You are really amazing. If Huinong Loan outlets are spread all over the country in the future, it will really benefit thousands of households."
Looking up at the clear sky outside the porthole, white clouds were drifting away. Zhang Yida was in a good mood and answered slowly:
"There will be such a day. And I predict that within three years at most, branches will be opened in all provinces across the country, and tens of billions of farmers' business loans will be issued to help hundreds of thousands of poor families live a better life."
…
In the evening, Zhang Yida was dragged to her house by Zhao Erya. Zhang Yida didn't want to go empty-handed and didn't know what to buy, so he simply bought another box of Maotai and brought it to her door.
My father-in-law likes to drink, so it’s a good idea to buy this.
Zhao Wenbin looked at Zhang Yida holding another box of Maotai, and was a little dumbfounded. This kid is so honest and honest, he joked:
"You bought so much wine again, do you want to overwhelm me?"
Zhang Yida was sweating on his head. The last time he drank at Zhao Erya, his father-in-law drank him to death. His drinking capacity was not enough to impress his old man, so he had better keep a low profile.
He smiled and said: "Uncle Zhao, let's just drink a bottle this time. Just drink some health wine. Drinking too much will harm your health."
Zhao Wenbin stopped teasing him and asked him to go to the study to talk things over. Zhao Erya helped her mother Wang Hongxin and went to the kitchen to cook together.
When he arrived at the study, Zhao Wenbin gave Zhang Yida a cigarette and said with a smile:
"I heard that Ruixiang Financial Technology Group raised US$500 million in Series B financing? You guys are developing very fast. When do you plan to go public?"
Zhang Yida lit the cigarette, took a puff and said:
“The B round of financing raised US$500 million, but this money is not spent. It is expected that the C round of financing will be launched by the end of the year.
It’s still early to go public, and it will take at least a few years before the mobile payment market share is stabilized.”
Zhao Wenbin nodded, put his cigarette into the ashtray and flicked it, looked at Zhang Yida and said solemnly:
"I heard that you are competing with Ali and Penguin to compete for the mobile payment market? Faced with such giants, you are a newborn calf and not afraid of tigers.
What should I do if I can’t grab it? Have you thought about the way out?”
Zhang Yida knew that he was concerned about himself and said with a smile:
"If you can't grab it, just do the business they don't like, and you can have a market value of billions of dollars in the future.
But if it reaches the sky, it will only have a market value of 10 billion US dollars.
If mobile payment can dominate the world with these two companies, Ruixiang will have the opportunity to achieve a market value of tens to hundreds of billions of dollars in the future.
Speaking of this, Zhang Yida said solemnly: "So, I have to fight."
Zhao Wenbin nodded: "Okay, you can just think about it yourself. When you are young, you really need to have this drive to start a career."
Then he changed the topic and asked: "I heard that Ruixiang has cooperated with Handing Group and became the second largest shareholder of Hantai Fund, right? Do you want to go deep into licensed finance in the future?"
"Yes, of course the fund company will not miss the opportunity to invest in the company. Later, banks, insurances, trusts, consumer finance and other licenses will be fought for.
If you don’t have a license, you’re just a miscellaneous army. The only way to get a job is to have a license.”
Zhang Yida's idea is to become a large financial holding company and obtain all the financial licenses he can.
Zhao Wenbin laughed loudly, pointed his finger at Zhang Yida and said: "You are a smart kid, with a good sense of business and politics.
Your idea is right, if you have the opportunity, get more financial licenses. This is a scarce resource, and the potential for future appreciation is huge."
Zhao Wenbin has been in politics for many years and is still very clear about the policy direction and is ready to give Zhang Yida some guidance.
After putting out the cigarette butt, Zhao Wenbin said again:
"My job will be transferred soon and I will go to other provinces. I still have some friends in the capital. If you encounter a problem that cannot be solved, you can go to them."
Zhang Yida was a little surprised that Zhao Wenbin was about to change his job, and asked:
"Uncle Zhao, which province are you going to?"
"Qianzhou Province." Zhao Wenbin replied.
Zhang Yida smiled and then congratulated: "Congratulations to Uncle Zhao for your promotion."
Zhao Wenbin glanced at Zhang Yida and joked:
"It's still a bit backward over there. Are you interested in investing there?"
Although Zhang Yida didn't think Qianzhou had any investment value, Zhao Wenbin asked him about it, so he had to bite the bullet and said:
"Um...Uncle Zhao...I have a Huinong Loan Company. I can go to Qianzhou to set up a small loan company, and then issue small business loans to local farmers to stimulate the economy and create jobs."
Zhao Wenbin was joking, but Zhang Yida actually took it seriously and said:
"Huinong Loan Company, you went to Ganzhou to inspect and carry out this company's business, right?"
"Yes, it means to examine the local customs, market environment, and find out what is suitable for planting in the local area? What kind of breeding is there? What handicrafts are there? Then provide these farmers with entrepreneurial loans to help them start their own businesses and become rich."
Zhang Yida started to flatter himself, and his words were so smooth.
"The nature of this company and the starting point for its establishment are very good. Just do it step by step. Even if this company doesn't make much money or even makes a small loss, you have to keep doing it. Do you understand what I mean?"
Zhao Wenbin still approves of Huinong Loan Company, which can be regarded as a socially responsible company.
Of course Zhang Yida understood what Zhao Wenbin meant. This is a good channel to gain social influence and establish a positive corporate image! He nodded and smiled: "Uncle Zhao, I understand."
Zhao Wenbin said: "It's good to understand. When running a business, you must have the people and the country at heart, so that it can last long and run smoothly."
He tapped his fingers on the desk a few times, then looked at Zhang Yida and said:
"When the Huinong Loan is refinanced, the Poverty Alleviation Foundation will be brought in. It would be best if we can bring in a few more financial institutions such as banks."
"Uncle Zhao, this is a good suggestion." Zhang Yida immediately understood what he meant, and gathered some heavyweight partners to come in and do it together. Everyone joined in the firewood. After thinking for a few seconds, he said:
"When Ruixiang raises Series C financing, I also plan to introduce state capital."
Zhao Wenbin nodded slightly and raised the corners of his mouth, as if a child could be taught.