Mountain Village Chicken Tycoon

Chapter 165

In 2004, the main channel of financing for individual enterprises in Luzhong City was still from Luzhong City Rural Credit Cooperatives or Luzhong City Commercial Bank, and the proportion of other banks in fifth-tier cities like Luzhong City was still relatively small.

Moreover, because most of the employees of the Luzhong City Rural Credit Cooperative and the Luzhong City Commercial Bank are natives of Luzhong City, it is easier to talk, and the management of lending is also relatively loose.

As for Bank of China, China Construction Bank, Agricultural Bank of China, and commercial banks, they all have strict requirements for loans, and it is still difficult to apply for loans.

Luzhong City Commercial Bank, formerly known as Luzhong City Credit Cooperative, was initiated by the Municipal Party Committee in 1997 to derail the five integrity establishments from affiliated units, implement centralized management, and establish Luzhong City Credit Union. At that time, Luzhong City Integrity is ranked first among all banks in Luzhong.With the strong support of the Municipal Party Committee, the Luzhong City Credit Cooperative actively expanded its business and issued a loan of 20 yuan to a small individual enterprise that year.

Daring to grant loans to individual enterprises, the Luzhong City Credit Cooperative has established a reputation in the hearts of the people in the entire Luzhong City. By 2004, the Luzhong City Credit Cooperative was renamed Luzhong Commercial Bank, and its market share in Luzhong City had occupied To 40.00%.80.00% of individual enterprises in the city open accounts with Luzhong Commercial Bank, and 60.00% of individual enterprises obtain loans from Luzhong Commercial Bank.

By 2004, the deposit balance of Luzhong Commercial Bank reached 38 billion, while the total loan amount also reached 27 billion.

Another important local bank in Luzhong City is the Luzhong City Rural Credit Cooperative. By 2004, it will account for about 30.00% of the market share, the balance of deposits will reach 33 billion, and the total amount of loans will be 23 billion.

Now the relationship between Zhao Qingshan and Laigang County Branch of Luzhong Rural Credit Cooperative is very good. If the next step is to continue to expand production and seek financing, it is necessary to open the breakthrough of Luzhong Commercial Bank.

At present, Zhao Qingshan has not cooperated with Luzhong City Commercial Bank, but because of Han Sanshan's relationship, he has already established a relationship with Chen Facai, the president of Luzhong City Commercial Bank's Laigang County Branch.

The Chinese pay attention to human relationships. Under the same conditions, it is like the college entrance examination. Having a relationship is equivalent to having the conditions of being a provincial excellent cadre, and it will definitely be given priority.

Zhao Qingshan drove his Audi A6, with Han Sanshan on the co-pilot, three hares and a badger in the trunk of the car, came to the office building of Laigang County Branch of Luzhong City Commercial Bank, and parked the car , two people got out of the car.

After entering the hall, Han Sanshan led the way, and the two went directly to the president's office.

"Old Chen, you've been busy all day, so you're just busy drinking tea."

Pushing open the door, he saw that Chen Facai was drinking tea at the coffee table, Han Sanshan said with a smile.

It wasn't the first time they met each other, and they were familiar with each other. After entering the room, Han Sanshan didn't wait for Chen Facai to be polite, so he dragged Zhao Qingshan to sit opposite Han Sanshan.

Chen Facai was also polite, looked at the two of them with a smile, and said, "You two just made the tea, and you smell it now?"

Han Sanshan glanced at Zhao Qingshan, then turned his head to look at Chen Facai and said, "Don't worry about this, is this tea brewed for us? Did someone drink it for us?"

As soon as Zhao Qingshan sat down on the wicker chair, he felt the warmth still there, knowing that someone was sitting on it just now, so he left not long ago.

"Hahahaha, Xiao Sui, quickly exchange tea for my old comrade-in-arms."

Chen Facai thought for a while and said, "Here is a pot of good Longjing tea."

Chen Facai is in his 40s, with few hairs on his forehead, his forehead is shiny, and he is wearing a bank uniform.

Looking at Han Sanshan again, he has maintained a good figure for many years. It is estimated that Han Sanshan can still carry a gun to fight in the battlefield now, while Chen Facai can only be out of breath.

"Don't pretend to be big with me. Let me ask you, what time do you get off work? Let's find a place to stew Xiao Zhao's hare and badger early. It's good to drink."

"What's the rush? You've come to my place and you don't want to sit still? Besides, what time do you get off work? Is it up to me?"

"That's true."

After entering the room, Han Sanshan and Chen Facai kept chatting, Zhao Qingshan didn't interrupt, and after a while the tea was served, Chen Facai looked at Zhao Qingshan with a smile and asked, "Xiao Zhao, what have you been up to lately?"

"I've started delivering chickens to Qishan. I'm busy in the morning, and I have some work in the afternoon."

Hearing this, Chen Facai hurriedly said, "Xiao Zhao is going to get rich again."

Zhao Qingshan waved his hand, seemingly humble on the surface, but there was no modesty in his mouth: "Where, I only charge tens of thousands of dollars a day, and I am nothing compared to you, the God of Wealth."

Chen Facai was stunned for a moment. Originally, he only thought that Zhao Qingshan was a chicken farmer, but he didn't expect to make so much money, so he hurriedly said: "Hey, Xiao Zhao, you are wrong, oh, the daily income is tens of thousands of yuan. I didn’t see you depositing a dollar in our bank! That money was fooled by the people from the Rural Credit Cooperative, right?”

The head office has assigned deposit and loan quota tasks to the five branches under its jurisdiction. As of July 2004, the Laigang County Branch has just completed 50.00% of the deposit and loan tasks, and the next step is under great pressure.

The new deposit balance of Laigang County Branch of Lushang Bank this year is 5000 million, and the deposit balance at the end of last year was 2004 million. That is to say, by the end of 5000, the deposit balance required by them was [-] million. , and now the total deposit balance of their branches is only [-] million, and the pressure on deposits is very high.

As for the loan, because a bad debt was made last year, resulting in a 2000 million loan that could not be repaid, so in the first half of this year, the head office is stricter on all the loan cards issued by the Laigang County Branch. There are no loans that can be made.The total amount of loans assigned by the head office to the branches was [-] million yuan, but in the first half of the year, less than [-] million yuan was released, and they were all old customers.Basically, those old customers have paid off the interest, and then the bank will make a charge in the account, and then put down the loan.

There are even a few high-quality customers. For some reason, they just don't want to use the money from the firm. It doesn't work for Chen Facai to do other people's work.

Banks suffer from interest rate differentials. With deposits, loans cannot be released, and banks are also anxious.

Zhao Qingshan smiled: "Brother, do you also pay attention to my little money?"

"It's tens of thousands of yuan a day, and tens of millions a year. If I can't see the eyes again, then how can I see the eyes?"

When Han Sanshan saw Zhao Qingshan and Chen Facai talking about this matter, he cut to the chase and said, "Old Chen, we soldiers don't beat around the bush anymore. I came to see you today. On the one hand, I want to have a meal and catch up. On the other hand, it is to discuss the next step of our Qingshan Company's cooperation with your bank."

Chen Facai frowned: "Your Qingshan company?"

He didn't know that Han Sanshan had already been recruited by Zhao Qingshan.

(End of this chapter)