Countercurrent 1982

Chapter 372 Loans
When Yuan Xuedong left, he spent all the money in the account, all kinds of bonuses and subsidies, and spent only a few thousand dollars in the account in one day, leaving only Duan Yun. A fraction of a tens digit.

Yuan Xuedong did a great job, the leader has no money, and he doesn't fart loudly. He made it clear that he wanted to embarrass Duan Yun.

Duan Yun was left with a poor and empty mess, and only a few hundred mouths waiting to eat.

If Duan Yun went to the factory to ask for money now, it would probably not be easy. After all, the discussion between Duan Yun and Qin Gang did not include the matter of providing funds from the head office, and if Duan Yun went to the head office to ask for money now, he would definitely be ridiculed of.

At first, Duan Yun thought about using his own funds to maintain the operation of the factory, and after the factory made money, he would withdraw his own money from the account.

However, this kind of thinking is obviously ill-considered. It is true that Duan Yun is rich, but if he posts the factory like this, people will be suspicious, and the factory has a sound financial system. Duan Yun is very risky in doing so. If you don't do it well, your own money will become the public's.

So the only way in front of Duan Yun is to borrow money from the bank. It is completely feasible for state-owned enterprises to borrow money from the bank.

After thinking about it, Duan Yun found the head of the company's finance department who was working, then went to his office to get something like an official seal, drove away from the factory, and went to the bank in the urban area.

In 1983, there were not so many banks in China. ICBC was established in 1984, but there were Agricultural Bank of China and China Construction Bank.Duan Yun drove directly to a construction bank located in the urban area.

Banks these days are very different from those of later generations. The counters are tall and wooden, and the security protection for the counters is iron fences. The customer area is narrow, just an aisle.There are wooden ticket boxes, seals, vouchers, account books and ancient abacus on each teller's desk, as well as an interest counter that can also count coupons.

Duan Yun led the financial section chief to a window, and after explaining his purpose to the bank staff, the other party took out a form for Duan Yun to fill out first.

Duan Yun plans to borrow 20 yuan this time, which should be enough for the group's operating expenses for half a year.

These days, when a company goes to a bank to apply for a loan, it is not much different from later generations, that is, after filling out a loan application form, the bank will appoint a loan officer to investigate the applicant.

The content of the investigation is to check the company's business license, operating conditions, and other relevant certificates.

The loan officer in charge of receiving Duan Yun invited Duan Yun to a reception room next to the bank, and began to check the business license, work permit, and other various certification materials and official seals brought by Duan Yun and the chief of the finance department.

The loan officer sent by the bank seemed to be in his early thirties, wearing a gray Chinese tunic suit, wearing a pair of black-rimmed glasses, and looked very polite.

The loan officer carefully checked all the materials and certificates brought by Duan Yun, and asked Duan Yun a few questions from time to time, and Duan Yun answered them one by one.

"There is no problem with the business license and official seal procedures." After checking the last document, the loan officer raised his head and smiled slightly at Duan Yun, and said, "Director Duan, regarding your application for a loan of 20 yuan, I will write it later. Submit a letter of opinion to our president, and after he approves, we, Yinhe, can give you a loan for your factory, and it may take a day or two to wait, so you will need to come back the day after tomorrow.”

"No problem, I'll come over the morning after tomorrow." Duan Yun nodded and said.

This time, getting a loan from the bank went so smoothly, somewhat beyond Duan Yun's expectations, which also made him feel relieved.

"Manager Duan." Seeing that Duan Yun packed up his official seal and license and was about to leave, the loan officer suddenly called to him.

"Is there anything else?" Duan Yun turned his head and asked.

"Can I take a step to talk?" the loan officer said to Duan Yun.

"Old He, you go out first." Duan Yun said to the Chief of the Finance Section.

Hearing this, the Chief of the Finance Section turned around and walked out of the reception room.

"Let's talk." Duan Yun took out a cigarette and handed it to the loan officer.

"I don't smoke, thank you." After rejecting the cigarettes offered by Duan Yun with a slight smile, the loan officer said, "That's right, Manager Duan, our bank now provides personal loans in addition to corporate loans. If Manager Duan If you are interested, you can apply..."

"Personal loan business?" Duan Yun was taken aback when he heard the words. It was the first time he had seen a bank offer to give a personal loan, and he asked suspiciously, "Is there any conditions and requirements for this...?"

"There are no requirements, you just need to get a loan application form from us, fill it out and give it to me, and the loan will be issued soon." said the loan officer wearing glasses.

"It's that simple?"

"Well." The glasses loan officer nodded and said, "The maximum limit of personal loans is 8 yuan. If you have real estate or other things as collateral, the limit can be increased to 12 yuan..."

"Give me a loan of 8 yuan first!" Duan Yun made a decision almost without thinking.

In the memory of Duan Yun's previous life, the bank was absolutely superior. If a private person wants to apply for a loan from the bank, it doesn't matter if there is no way out, it is very difficult, even if there is a mortgage.

But what Duan Yun didn't expect was that the national income level is so low these days, banks would offer to provide private loans with a maximum limit of [-], and the loans are interest-free and unlimited. imagine.

In fact, what Duan Yun didn't know was that from the second half of 1982, in order to solve inflation and encourage the development of self-employed businesses, the state had distributed 176 billion yuan of interest-free and unlimited loans.

At that time, bank loan officers in some places knocked on doors door-to-door to get loans from ordinary people, but even so, there were very few people who borrowed money, so that only more than 176 billion of the 40 billion loans were loaned out in the end. It is almost unimaginable in later generations that more than 130 billion countries will take it back.

The reason is that people's thinking is still too conservative these days. The main reason is that they are afraid that they will not be able to pay back the money.

In fact, this loan from the state has made many people rich, creating a large number of households with ten thousand yuan and rich people.

Opportunities are always reserved for people with courage and courage. If you don't grasp them, they will often be fleeting.

For Duan Yun, this kind of loan is like a pie in the sky.

In fact, Duan Yun's net worth is over [-], but if he wants to set up a factory in the future, he will need more funds, and with this loan, he doesn't have to worry about being suspected of having a huge deposit...

(End of this chapter)