Chapter 301 The richer the more stingy

After completing the relevant procedures for agricultural machinery subsidies, Li Weidong went to the rural credit cooperatives non-stop.

In the process of agricultural machinery sales, in addition to agricultural machinery subsidies from governments at all levels, there is another weapon, that is, rural credit loans.

Rural credit loans are generally reviewed and issued by rural credit cooperatives. They are small loans, and the amount is not large, but it is more than enough to buy an agricultural tricycle.

Small loans in rural areas are often low-interest or even interest-free, and sometimes there are some phased preferential policies to encourage farmers to take out loans, which is equivalent to the state subsidizing interest for farmers to take out loans and engage in agricultural production activities.

That is to say, for farmers, purchasing agricultural machinery can not only enjoy the state agricultural machinery subsidies, but also enjoy small interest-free loans from rural credit cooperatives.

Farmers who meet the loan conditions can drive their agricultural tricycles home without spending a penny.

In the harvest season of crops, a temporary loan is used to sell an agricultural tricycle, and if all the crops in this season are sold, it will be enough to repay the loan.

Things that can be prostituted for free will naturally be welcomed, so Li Weidong must open up the loan channels of the rural credit cooperatives. As long as the credit union is willing to issue loans to farmers who purchase agricultural tricycles, the Fukang No. 1 agricultural tricycle can be quickly promoted in Qinghe.

In Li Weidong's plan, before the end of the year, agricultural tricycles must enter every village in Qinghe, so that when the delegation of the Ministry of Agriculture comes to Qinghe, they can submit a satisfactory answer.

The president of the Rural Credit Cooperative, surnamed Zhang, is a middle-aged and elderly man with a fat body, but he has clear features and looks, and he was probably a handsome guy when he was young.

Li Weidong handed a stack of documents to President Zhang and said at the same time, President Zhang, our Fukang No. 1 agricultural tricycle has received a special agricultural machinery subsidy from the Agricultural Machinery Department of the Ministry of Agriculture of the People's Republic of China, which is enough to prove that our agricultural tricycle is a very good agricultural tricycle. Excellent product.

Director Li, I understand what you mean. President Zhang took the document and said while looking at it, You want our credit union to relax some conditions for the farmers who bought your tricycles in terms of loans, right?

Li Weidong nodded: President Zhang is really quick to talk!

President Zhang continued: Director Li, our rural credit cooperatives' outgoing loans are different from those big banks. The loans we send are basically credit loans without collateral, so every loan, credit Staff will go to the field to make sure that the loan is really for agricultural production.

Since it is a credit loan, it has to take a relatively large risk. For example, some farmers have taken out loans and used them in agricultural production, but they encounter some natural and man-made disasters, or the agricultural products are unsalable, and the loan will not be paid. . Therefore, in terms of credit approval, we have our own standards.

President Zhang's words sounded like he was refusing, but Li Weidong could feel that the tone of President Zhang's speech was slow, and he seemed to be able to continue the conversation.

So Li Weidong said, President Zhang,

Let's open the skylight and say something, do you need a deposit here or a loan? If you need a deposit, I will deposit a sum of money in your credit union, and if you need a loan, I will bring a sum of money from your credit union!

What banks want is nothing more than deposits and loans. Local financial institutions such as rural credit cooperatives are not as good as the four major state-owned banks. Li Weidong is so tired that he can get two or three million in deposits or loans. President Zhang was dispatched.

Director Li is really cool! President Zhang gave a thumbs up, and he continued: The operation of our rural credit cooperatives is different from that of big banks. We mainly do policy work. For us, deposit and loan It doesn't matter, so I don't want to deposit and I don't want to take out loans.

What President Zhang said was the truth. At that time, the rural credit cooperatives mainly implemented policies that benefited farmers, and were not as active in taking deposits and commercial loans as the four major state-owned banks.

So Li Weidong asked, Then what do you want?

I need a security deposit. President Zhang continued: Our rural credit cooperatives are implementing the national policy of benefiting farmers by issuing micro-credit loans to farmers. If farmers do not pay, it is equivalent to implementing national policies in the future. the risk taken.

For our rural credit cooperatives, profit is not the main purpose. While fulfilling the policy of benefiting farmers arranged by the state, we should reduce risks as much as possible and ensure that every loan can be recovered. This is our main work and task. .

If we want our credit cooperatives to relax the loan conditions for farmers to buy agricultural tricycles, it means that our credit cooperatives have to take more risks, which is contrary to our work goals. So if you want us to relax the loan conditions, you need to pay a deposit.

If there are farmers who still fail to take out the loan and cause our credit union to suffer losses, then the loss of our credit union will be deducted directly from the deposit. That is to say, the risk of this loan should be borne by you!

Li Weidong frowned, and then fell into thinking.

The loans issued by the rural credit cooperatives are mainly aimed at farmers, and they are all low-interest or even interest-free. The rural credit cooperatives issue loans, but they have to take risks without profit, and they are basically making money at a loss.

So for rural credit cooperatives, their first consideration is not to make money, but to reduce risks. Therefore, they have to pass the deposit to transfer the risk of the loan to Li Weidong.

If it can fulfill the national policy of benefiting farmers without taking on loan risks, this is obviously the best operating state.

At that time, the approval of rural credit cooperatives for microfinance was also relatively strict. The loan officers of the rural credit cooperatives would specially visit the door for inspection, and agricultural machinery loans were also used for special purposes, so the bad debts of the loans were not so easy to generate.

For example, Li Youfu from Ganquan Village wants to buy an agricultural tricycle. The loan officer will go to Ganquan Village to see for himself how many peach trees are in Li Youfu’s house and how the peach trees are growing. When the loan officer confirms that the peaches are sold, Li When Youfu has the ability to repay the money, the loan will be granted to Li Youfu.

Moreover, the money was not directly given to Li Youfu. In order to ensure that the special funds were used exclusively, the loan was directly given to the agricultural machinery station. Li Yongfu directly took the loan slip from the credit union and went to the agricultural machinery station to pick up an agricultural tricycle.

If Li Youfu still does not pay the money, then the agricultural tricycle will definitely be confiscated by the credit union, which is the same as the car being confiscated if the loan is not paid to buy a car.

When the credit union sells the tricycle to see how much Li Youfu still owes, the money owed to the credit union will be deducted from the security deposit.

If someone wants to prostitute for free, it is only a one-time sale.

For example, if you take out a loan to buy a new car, and after using it for a few months, if you don’t repay the money, you just throw the car to the credit union, which is equivalent to buying a farm tricycle for free for several months.

But at the same time, this person is also on the blacklist of rural credit cooperatives and agricultural machinery stations, and it becomes impossible to borrow money from credit cooperatives or buy agricultural machinery in the future.

In this way, paying such a high price for prostituting agricultural tricycles for a few months is definitely not worth the loss.

Li Weidong quickly figured it all out.

In this way, even if some people don't pay the money, my actual loss will not be too big. As long as the agricultural tricycle can be popularized and a loss of hundreds of thousands is acceptable, it is acceptable as an advertisement!

Li Weidong also wanted to spend hundreds of thousands of dollars directly to advertise, but Li Weidong was selling agricultural tricycles. At that time, most farmers did not even have a TV at home, and ordinary farmers would not subscribe to newspapers.

So whether it's advertising on TV or in newspapers, farmers can't see it.

At most, Li Weidong advertised on the radio. However, many farmers have never seen a real agricultural tricycle. Just relying on one mouth to say, who knows what an agricultural tricycle is?

Such an advertisement is definitely far less effective than What should I do if I am pregnant by accident? Go to the Big Iron Stick Hospital to find Director Tong!

So Li Weidong asked cautiously, President Zhang, how much security do you want?

President Zhang stretched out five fingers.

Li Weidong's eyes flashed with displeasure, he felt that the five million guarantee was too much!

Manager Zhang noticed the displeasure in Li Weidong's eyes, and he said, Director Li, if you think 500,000 is more, then you can give 400,000!

Li Weidong realized in an instant that he was thinking too much. President Zhang's five fingers represented 500,000, not 5 million!

At that time, the rural credit cooperatives issued small loans, at most 1,000 or 2,000 yuan, normally a few hundred yuan, and less than a few dozen or ten yuan.

For example, farmers have no money to buy pesticides, so they go to the rural credit cooperatives, take a loan of ten yuan, buy a few bottles of pesticides, and use them for the crops first. Give the ten bucks back.

Therefore, the deposit of 500,000 yuan is already a lot for the rural credit cooperatives, and it is enough to issue loans to thousands of farmers.

Li Weidong is a local tyrant, what is a mere 400,000 yuan! It's just a drop in the bucket.

However, Li Weidong remained silent. He pretended to be thinking, and then showed an embarrassed expression.

President Zhang, the deposit of 400,000 yuan is still a bit too much, can you reduce it further! Li Weidong said.

That's fine, I'll give you another fifty thousand! President Zhang said.

300,000! Li Weidong paused, then continued: Although we have received subsidies from the Agricultural Machinery Hall, the subsidies will not be paid until next year, so the factory's funds are still quite tight. I also hope that President Zhang can A lot of understanding.

President Zhang pondered for a moment, sighed lightly, and nodded in agreement: It's not easy for everyone, then 300,000!

Thank you, President Zhang! Li Weidong showed a grateful expression and sighed in his heart, but he secretly said in his heart: Li Weidong, Li Weidong, the richer you are, the more stingy you are!