Mountain Village Chicken Tycoon

Chapter 167 Loan of 700 million from the bank
Four days after the venison feast with Chen Facai, the president of the Laigang County Branch of Luzhong City Commercial Bank, Chen Facai brought a property appraiser and a notary from the notary office to Dongling Village in Zhao Qingshan.

Zhao Qingshan saw that Chen Facai was here, and knew that this time it must be about a loan.

The Luzhong Commercial Bank is much more formal than the Luzhong Rural Credit Cooperative. It will find asset appraisers and notaries to handle loans, while the Rural Credit Cooperative is the loan officer who has the final say.

You take a car to the loan officer of the Rural Credit Cooperative. The loan officer takes a look and says, "This car can be used for a loan of [-] yuan."

Then you find a related acquaintance to go there, and then say: "This car can be mortgaged for [-] yuan."

Then if the loan has to promise some kickbacks, and ask the loan officer to eat, drink and have fun, then that's fine. The loan officer was happy, patted his chest and said, "This car can be loaned 60."

Later, after the financial crisis in 2008, the non-performing loans of rural credit cooperatives soared, and they were almost finished.If it weren't for the support of the major shareholders behind the Rural Credit Cooperative, the Rural Credit Cooperative might have collapsed at that time.

Later, the rural credit cooperatives had too many bad loans, so they asked the government for help. Later, the government came forward to help the rural credit cooperatives recover a lot of loans.

Of course, during the financial crisis, the Rural Credit Cooperative almost went bankrupt. Although the Luzhong Commercial Bank said the situation was better, life was very difficult at that time.

As soon as Zhao Qingshan saw the man behind Chen Facai with eyes and a book in his hand, he hurriedly pulled Chen Facai aside and asked, "President Chen, with so many people coming behind you, why didn't you tell me in advance?" , I also have a preparation."

However, Chen Facai quickly waved his hand and said, "The property appraisal is unacceptable. Please eat. There are regulations in our bank. After you get the loan, we will drink again."

"By the way, Xiao Zhao, you have to prepare your company's financial statements and tax payment certificates for the past three years."

These things are also needed when applying for loans from the rural credit cooperatives, but Zhao Qingshan's company has only been established for two years, and it is impossible to provide financial statements for the past three years.

Zhao Qingshan is now also a well-known big taxpayer in Zhaizi Township. In 2002, small troubles did not count. Then in 2003, when applying for a loan, a tax payment certificate was required, so Zhao Qingshan registered with the industrial and commercial taxation department. At that time, it was collected according to a quota , one hundred thousand a year.

Corporate income tax is generally levied in three forms, one is based on revenue, the other is calculated, and the other is fixed.

Enterprises that levy personal income tax based on operating income are generally relatively large in scale and capable of employing independent accountants.As for the accounting and collection, the operating income varies greatly in different years, and it is generally calculated by an accountant registered in an accounting firm.Generally, an accountant will calculate and file tax returns for several or even dozens of enterprises, and the scale of such enterprises is relatively small.Then, for those units with little difference in operating income over the years and small-scale enterprises, fixed-rate collection is often adopted.

In 2003, Zhao Qingshan's chicken farm was relatively small, so at that time, a fixed amount was adopted, and the tax was tens of thousands of yuan a year.

But this year is definitely not going to work. The township head has already agreed with Zhao Qingshan that the business scope of his original registration must no longer meet the requirements of his current business development. Business is included.In this way, Zhao Qingshan's Qingshan Agricultural Company was established under the leadership of the township head.

Chen Facai asked Zhao Qingshan to present his own asset certificates, that is, the contract, project contract, sand mining certificate, etc., and let the asset appraiser who came this time do the accounting.

The appraiser was a man in his thirties, with thick eyes, a suit and tie, and a briefcase.

The man in glasses needed a copy of the asset certificate, so he asked Zhao Qingshan to accompany him to the county seat, and then made a copy.

Chen Facai told Zhao Qingshan that according to the contract, the maximum amount of loan he can provide to Zhao Qingshan is 5000 million according to preliminary estimates.

This amount is still far from the [-] million in Zhao Qingshan's heart.

Fortunately, Nanshan can still make some articles next year. It should not be a big problem to get another 800 million yuan by then.

A week later, Chen Facai called Zhao Qingshan and told him that the property appraisal had ended, which was more optimistic than the original estimate. The asset appraisal was 700 million, of which Zhao Qingshan's Dongling chicken farm had a fixed asset appraisal of 200 million. 600, including 2004 chicken coops, 3 hatcheries and digesters.This is very reasonable. After all, to build these things, the price of a 120-square-meter chicken coop greenhouse has risen to [-] yuan in [-]. Then Zhao Qingshan has a total of ten greenhouses, and the estimated price of [-] million is also reasonable.

Then the final asset evaluation of the project was 800 million, which is also reasonable.

What surprised Zhao Qingshan the most was that the river sand of the Mowen River was estimated at 700 million.

Zhao Qingshan never calculated how much money he could make if he dug up all the sand from the Mowen River and sold it.However, he knew that in rivers full of river sand, including the Mowen River, Yingwen River, and Dawen River, at least two dozen millionaires were supported, and there were also billionaires who dredged sand.

Like the lower reaches of the Mowen River, the Hulushan Reservoir, there are several meters thick silt in the reservoirs. These river sands have accumulated for hundreds of thousands of years. Later, there were forty sand dredgers in the Hulushan Reservoir alone. as much.

The water area of ​​Hulushan Reservoir is 1.2 square kilometers in total. The bottom of the water is full of river sand, and the average depth of river sand can reach about two meters.

If by 2018, a square of river sand costs 170 yuan, and the river sand reserves of the Hulushan Reservoir are 240 million square meters, then there will be a wealth of [-] million hidden under the reservoir.

Of course, in 2004, the price of river sand was about 30 yuan a side, which was not as expensive as in 2018, and there is also a wealth of 7000 million hidden under the entire Hulushan reservoir.

Zhao Qingshan, on the other hand, owns the right to exploit the sand in the entire river from the source of the Mowen River in Fenghuangling Village to the lower reaches of the Hulushan Reservoir.

The bank assessed 700 million yuan, which is reasonable.

Zhao Qingshan asked Chen Facai, since the evaluation of 700 million, when will it be credited.

Then Chen Facai told him that the next step is to seek a guarantee from the township government. After all the procedures are completed, the money will be approved and credited in about 30 days.And the money was transferred directly to Zhao Qingshan's company account.

Zhao Qingshan was very happy when he heard this, and then hurriedly contacted the village head, who agreed happily, and then spent a day completing all the procedures for the bank loan, and then waited for the approval and authorization from above .

(End of this chapter)