Reborn Great Nation Craftsman

Chapter 93 Bank Loans Are That Simple

Send Aunt Wang back to the neighborhood committee and return the bicycle.

Zhang Junping walked to the branch of Agricultural Bank of China in Wangfujing.

25, in this day and age, that is definitely a huge sum of money, even if the master can get it out, how could he have the nerve to ask the master to open his mouth to borrow money?

After thinking about it, I can only go to the bank for a loan.

It is said that it is easy to get a loan in the 80s, let's try it.

If it really doesn't work, I find a foreigner and sell the penny black.

It's just that, if you sell it in China, it's cheap for foreigners, and you can't sell it at a high price.

……

In the 80s, there were no iron fences or bullet-proof glass. There was only a tall counter. Zhang Junping was 1.8 meters tall, and the counter reached his chest.

The ones sitting at the counter were not beauties, but old men and women in dark blue clothes with sleeves.

There is no computer, deposits and withdrawals are all recorded by paper and pen.

There is no enthusiastic smile, but the work is very serious, stroke by stroke, meticulous.

Several people in the bank were queuing to deposit or withdraw money. Zhang Junping waited for a while before it was his turn.

"Comrade, I want to apply for a loan, but I don't know what to do?" Zhang Junping asked politely, lying on the counter.

"You want to apply for a loan? Which unit is it from?"

"I haven't joined the job yet, and I'm a college student at CAFA."

"Then you need a letter of introduction from your school, explaining the purpose of the loan...

So, wait a minute, I'll let someone from the credit department come over and talk! When the bank aunt heard Zhang Junping talking about applying for a loan, she gave him a serious look. Her attitude was neither good nor bad. She explained it very patiently. She was afraid that Zhang Junping would not be clear, so she contacted the credit department to introduce the application process.

After a while, a middle-aged uncle in his 40s with a slim fit strode over.

Zhang Junping himself is more than 1.8 meters tall, and the northerner has a relatively large skeleton, so he already belongs to the category of people with big arms and round waists.

This uncle, who is also more than 1.8 meters tall, is completely thick-backed, and with a serious face, he is too timid to speak loudly.

Zhang Junping was a little dazed. Is this a staff member of the credit department of the bank?
"You are a college student at Central America, and you want a loan?" The middle-aged uncle startled Zhang Junping when he opened his mouth, only to feel his scalp tingling.

Who would have thought that such a burly man would have the voice of a male duck.

Zhang Junping was stunned for a moment, then realized that his behavior just now was a little rude, so he quickly said, "Hello, I want to apply for a loan."

"Hmm! What is the purpose of your loan?"

"I jointly set up an enterprise with the school, which is a platform that provides services for college students to participate in social practice.

The school only provides policy support, and I need to solve the rest by myself. "

"Looking at how young you are, are you twenty this year?"

"Twenty years old!"

"Yes, when you are only twenty, you dare to start your own business. This courage is worthy of praise.

Can you tell me what exactly your business does?How to provide services for college students' social practice?

Don't get me wrong, I'm not asking about your privacy. According to the relevant national policies, if you don't say anything, we can also lend you a loan.

However, if your purpose is more convincing, the loan amount will be larger and the interest will be lower. "

"The company I run is called Yangmei Dream Factory. It has three main businesses. One is to use our aesthetic knowledge to design furniture, and then find a carpenter to make it into furniture for sale. At present, we have received more than 20 orders, with a total order amount of 2 More than ten thousand.

The second is to do interior design and decoration for customers who come to buy furniture and have decoration needs, which is similar to the whole house customization in foreign countries. A project currently in progress is to do interior decoration for the subordinate building of Dongfeng TV manufacturer.

The third is to contact families whose children like painting, or who want their children to learn painting, to provide after-school tutoring or painting enlightenment education through the neighborhood committee.

In the future, we plan to expand to other universities, and the content of extra-curricular tutoring is no longer limited to art, but can also be tutored in mathematics, physics and English. "

"Your idea is very good. Based on your own advantages, it is very good to contribute to the development of the country. Our bank can provide loan support.

It's just that, I feel that you don't need much money for the purchase of wood except for the furniture manufacturer, right? "

Sure enough, people are not judged by appearances, the middle-aged uncle looks like a reckless man, but he has a delicate heart. As soon as Zhang Junping finished speaking, he made an accurate judgment.

"You always have to have an office to start a business, right? I just saw a yard in Liulichang, and it feels very suitable.

It just so happens that the owner of the house wants to go abroad and is going to sell the yard..."

"Are you taking the loan to buy a yard? Are you going to take the loan in your own name, or in the name of a business?"

"Is there a difference?"

"Definitely, but considering that you are a college student at CAFA, even if there is a difference, it won't be very big."

"Individual! I'm taking a loan in the name of an individual. How much can I borrow in this situation?"

"Hahaha, it depends on how much you want to borrow." The middle-aged uncle smiled boldly.

However, it's really hard to hear, like a duck quacking.

Zhang Junping resisted the urge to frown, and said, "One million is okay?"

"Uh!" The middle-aged uncle's laughter stopped abruptly.

"100 million, the director of the credit department of my business office has no right to approve it. I have to go to the branch to find the president." The middle-aged uncle explained with some embarrassment.

"Then how much money can you approve for me, and how long will it take for the money to come down?"

"I can only lend you 30 yuan at most, and the payment can be made in two days.

No matter how much you get, it’s not that you can’t get the loan, but you need to go to the branch to find the bank manager for approval. In that case, it will take half a month at the earliest. "

"30..." Zhang Junping murmured, but secretly pleased, 30 is enough to win that yard.

But I don't know that the middle-aged uncle over there is also secretly happy. He is worried about how to complete the loan task this month. He didn't expect a customer to come from the sky.

Still the best customer.

Are there any better customers than college students these days?
"What about the interest?"

"You are a college student, and you are doing such a positive career. The state has a support policy, and 30 can be interest-free."

After leaving the Agricultural Bank, Zhang Junping felt as if he was dreaming, which was unreal.

I didn't need the letter of introduction that the aunt said before, so I signed a few words with a student ID card, and the loan was 30 yuan, and it was still an interest-free loan with no fixed term.

There is no fixed term, that is, there is no repayment term, and you can pay it back when you have money.

He also chatted with Director Ding about the future development of the furniture factory, new furniture, and automation of furniture production.

Director Ding eagerly agreed to help him apply for a higher amount of loan.

If this is a little black hearted, you can borrow a few million, tens of millions...

Forget it, don’t think about it, I am a good young man of the four socialist socialists, and I am determined not to take advantage of the country.

When you have money, pay it back.

(End of this chapter)