"When it comes to the factories run by the Central Primary School, I am quite familiar with them. Although I have never done business with us before, after all, Chengguan Town is such a big place. After a few years, all the units are basically familiar with it. According to the information of the school-run factories,

In this situation, you are not qualified to get a loan from us, how do you want me to support you?"

"School-run factories are currently not eligible, but I heard that the policy allows individuals to borrow money. I would like to apply for a loan from you in my own name." Guan Yuntian said.

"There is a policy in this regard, but you can only borrow up to 50,000, and personal loans also require guarantees."

"Personal loans also require guarantees? I didn't consider this situation."

Any commercial loan requires a guarantee. This is common sense. How could Guan Yuntian not know such a simple truth? He just wanted to create an impression in front of Lao Chang that he was new to the world and was not familiar with the world. It was easy to get what he said and acted poorly.

the other party’s understanding.

"Of course personal loans also require guarantees. As long as the guarantee problem can be solved, we can meet your loan requirements."

"But Director Chang, it's obviously not enough for me to borrow 50,000 yuan by myself. I want to add another person, who is also a teacher at the Central Primary School, and the two of us can borrow 100,000 yuan in our own names."

"Yes, two or three are fine. Your teachers are public employees, and the relevant policies are more relaxed."

The loan in the personal name of a public official went more smoothly than Guan Yuntian imagined. Director Chang agreed without saying a word, which made Guan Yuntian overjoyed, "Director Chang, I am honored to meet you. I would like to treat you to dinner today at noon.

.”

Although Lao Chang felt that the young man in front of him was very down-to-earth, he felt that it was a bit rash to invite someone to dinner when they met for the first time, but it was understandable because the other person had just come out of school and did not know much about the world of society.

Factory Director, we have gotten to know each other this time. As for eating, we will wait until we have the opportunity in the future. If you are in a hurry to use money, you should go back and find a guarantor as soon as possible."

Lao Chang is not being perfunctory, he is telling the truth, because he has met all kinds of lenders. Some people treat guests and give gifts, and some people get close to him through relationships. The purpose is to get the bank's money. To achieve the goal,

It's not them. But this Guan Yuntian not only speaks and behaves well, but also seems to be a relatively loyal person, and the purpose of his loan is for the conversion of the unit, not for personal consumption. Lao Chang thinks this is commendable.

"Director Chang, I won't disturb you anymore. We have made an agreement. Please give me a chance in the future." Seeing that the other party had issued an order to expel guests, Guan Yuntian had no choice but to stand up and leave.

"Wait a moment, I'll tell you the procedures required for a personal loan, so that you don't have to make another trip, and you can make preparations when you get back." Lao Chang is really kind-hearted.

"Thank you, Director Chang, for reminding me."

Guan Yuntian fully understood Lao Chang's good intentions. Originally, even if the bank agreed to the loan, it would be in vain without a guarantor.

As the elder sister in the finance department of the campus printing factory said, the school-run factory is still an enterprise of Chengguan Central Primary School. If no other guarantor can be found, the school must guarantee it. Guan Yuntian came to Principal Qi’s office and he

I reported my idea of ​​switching to red brick production to the principal, but Lao Qi was indifferent to this, "Yuntian, we have a word first. After you take over the school-run factory, the school will not interfere with your management and operation. You don't have to report this kind of thing to me."

Guan Yuntian expected that Lao Qi would say such a thing, so he said calmly: "Principal Qi, even so, I am a formal teacher and my salary is provided by the government. If I make money by leading the school-run factory, I can't

Every penny taken privately will eventually be returned to the school. It is true to operate independently now, but I think there is nothing wrong with reporting such a major matter to the school leaders!"

"Okay, have you finished your report? I understand." This Principal Qi is really detached and doesn't want to get involved with anything outside the school.

"Principal Qi, aren't you asking me to leave?"

"Yuntian, where are you thinking? Just like you said, after all, you are still a teacher in our school, how can I push you away?"

"Oh, thank you! But Principal Qi, besides reporting on the transfer, I have something else to ask of you today."

"What's the matter?" Lao Qi looked a little impatient.

"To produce red bricks, we naturally need to build a brick factory, but the school-run factory doesn't have any money. We lack start-up capital!"

"I can't do anything without start-up funds. The money in the school is teachers' salaries and office expenses, which are all allocated by the higher-level education department according to plans. I can't deduct the teachers' salaries to give you start-up funds, right?" Qi

The principal said angrily.

"Hey, the principal said this deliberately to choke people! Who am I to ask you to deduct teachers' wages? I even know that it is illegal to do so!" If he really wanted to start a fight, Guan Yuntian would not follow Lao Qi's trick at all, so

This is not the first time that this situation has occurred.

"Then what do you want from me?"

"Didn't I say that the school-run factory is an enterprise of the central primary school after all, and the money earned goes to the school. I plan to borrow 100,000 yuan from the credit union in my own name as a start-up capital for the conversion. I have already reached an agreement with Chengguan Credit Union.

I would like to ask the school to guarantee this loan."

"Loan guarantee----? You have posed a problem for me. The school has never provided a guarantee from a financial institution." Principal Qi thought for a while, and then agreed: "Okay, it seems that if I don't give you a guarantee,

, if you don’t have start-up capital, you probably won’t be able to do anything.”

How fresh! I'm afraid Principal Qi has never heard of the saying that it's hard for a good wife to make a meal without rice.

After careful consideration, Lao Qi would rather use the name of the school to vouch for Guan Yuntian, and also want to send this plague god away as soon as possible to prevent him from disturbing her again.

Guan Yuntian asked the financial staff to prepare all loan information and guarantee materials according to the bank's requirements. He and the staff from the Finance Department came to Chengguan Credit Union and handed the prepared materials to Director Chang.

Because it is a personal loan and the amount does not exceed 100,000, the director of the credit union has the right to approve such a loan under the conditions at that time. After carefully reviewing all the materials, Lao Chang signed his opinion on the same day, and the loan arrived at the school-run factory the next day

on the account.

That night, Guan Yuntian invited Lao Chang to dinner. His purpose was not only for the loan in front of him, but also for the future. He really wanted to stay in the school to run a factory. If the company wants to develop, financing is an important task. There are no financial institutions.

Without the support, it is simply impossible to successfully raise funds. The person from the financial institution that Guan Yuntian can currently contact is the director Chang of the credit union.

Old Chang's name is Chang Fulin. Although he is a scheming person, he is also honest. He had already made his promise last time, so when faced with Guan Yuntian's invitation again, he could not refuse.

"Director Chang, if you think it's not fun for the two of us to drink, you can bring your friends or colleagues." Guan Yuntian said.

"Well, that's fine. Forget about being friends. I'll bring the two deputy directors and accountant of our credit union."

At around six o'clock in the evening, Guan Yuntian met four guests from Chengguan Credit Union in the private room of the hotel booked in the county seat. After greetings, the guests and the host sat down. Guan Yuntian took the menu handed over by the waiter and handed it to the guest of honor.

Old Chang at the location said, "Director Chang, please order."

Probably having experienced too many such occasions, Chang was not polite. He took the menu, divided it by three, five, and two, and ordered eight dishes and one soup in one go, without giving anyone else a chance to order.

"Director Chang, please introduce the other three leaders." Guan Yuntian said.

"Yes, I haven't introduced you yet. This is Director Zhao, our back office manager, that is our field office director Li, and this lady is Accountant Zhang. The three of them, today's hosts, are from the factory run by our Chengguan Central Primary School.

Factory Director Guan, uh, I want to know whether you prefer others to call you Factory Director Guan or Teacher Guan?" Finally, Lao Chang said jokingly.

"Hi, you can call me whatever you want, these two titles are my identity."

"Teacher Guan, I still don't understand. Wouldn't it be great for you to be a teacher in school? Why are you willing to go to school to set up a factory? You have to know that running a business is very hard!" Lao Chang said.

"There is something wrong here. I graduated from the Normal College with a bachelor's degree in mathematics, and I was supposed to be assigned to teach in a middle school in the city. Unexpectedly, during the two years after graduation, the middle school in the city did not have a staff, and I didn't want to go to a rural middle school. By some strange combination, I ended up teaching in a middle school in the city.

At the invitation of Principal Qi, I went to Chengguan Central Primary School. To be honest, I was not interested in teaching in the primary school. The principal was not happy and I did not want to do it. The school-run factory happened to need a factory director, so I came here.

"Guan Yuntian explained.

"Oh, you are an undergraduate student at a normal college, so you are really unqualified to teach elementary school!" Everyone said in unison.

The waiter started to serve the dishes, and Guan Yuntian asked: "Director Chang, leaders, what should we drink?"

"The liquor produced locally is pretty good, just go for that one." It seems that Lao Chang is not particular about drinks.

The waiter filled the glasses in front of everyone with wine. Guan Yuntian raised his glass to welcome the leaders of Chengguan Credit Union and expected them to take more care of the campus factory.

The first glass of wine was drunk together. The second glass of wine, Guan Yuntian toasted to all the guests in turn, from Director Chang to Accountant Zhang. After going around, Guan Yuntian drank the glass dry again. At the wine table, it is important to come and go without incest.

Also, starting from Chang Fulin, the guests turned around and toasted to Guan Yuntian. He refused all comers, and after another round, Guan Yuntian drank up the third cup, and the guests still had a big mouthful of the second cup.

, everyone has seen Guan Yuntian's boldness and his drinking capacity.

Guan Yuntian doesn't usually drink, but he knew how much he drank many years ago. He remembers that after the college entrance examination, he went to the market with the old and young men in the village at home. There were several times when he made some money by reselling daily necessities, and a group of people joined in.

We were drinking at a street stall in the market. Guan Yuntian was only eighteen or nineteen years old at the time. The others were all adults. It was his first time to drink with a young man. The adults teased Guan Yuntian and wanted to see his jokes.

"As long as you participate in drinking, everyone must drink the same amount, or else don't participate." Someone set the rules first, and this was obviously aimed at Guan Yuntian.

"Then I won't participate." Guan Yuntian felt unsure.
Chapter completed!