Chapter 35 Capital Verification and Business Opening
After talking about the loan, it was getting late.
The leaders who came for a surprise inspection ultimately failed to return to Pingdong County that day.
So I stayed in the brick kiln.
Yu Yang asked his second brother and second sister-in-law to tidy up the only private house in the brick kiln.
I also asked my eldest brother to move in a few pig iron stoves and a few bunk beds welded by myself.
Then they laid out the bedding that Uncle Six had purchased for the strong men, and brought a few buckets of well water for later use.
Although the conditions are still simple, it can be done for one night.
After Yu Yang left.
The county supervisor soaked his feet in a basin of hot water and fell into deep thought while holding the support plan.
Strictly speaking, the monthly turnover of the bean sprout industry is as high as 7 million.
Referring to the bank's approval conditions for loan amounts, monthly turnover
The problem is that Yu Yang is not even a self-employed business owner now.
Except for a few large customers who use the advance deposit system, the rest of the vegetable vendors all use cash transactions, so there is no so-called bank flow.
Without running water, it is impossible to evaluate the loan amount.
And mortgages…
Agriculture is not industry, let alone real estate.
Industry has equipment and raw materials, real estate has land and houses, and it is more convenient to apply for loans.
What about agriculture?
The land belongs to the village collective, the cost of plastic greenhouses is not high, and the glass houses and brick kilns all require technical support, but the technology is in the hands of people, but people will move around.
Faced with this situation, banks will certainly not provide high-amount loans.
That's why the county supervisor personally came forward to help Yu Yang get the starting funds.
But the county supervisor was also afraid that Yu Yang would run away.
Not only those who immigrate abroad, but also all-pervasive investment groups from other places.
If Yu Yang gets a loan and an investment promotion group from a wealthy area comes over and throws away all kinds of sugar-coated bullets, Pingdong County may be worse off than Liaocheng City.
Therefore, we must find a solution as soon as possible for Lao Yu's matter, so as to leave a good impression on Yu Yang and make it easier to retain him in the future.
The county supervisor thought of this and picked up his cell phone to contact the detention center.
First let me change Lao Yu to a room with better conditions.
…
Pingdong County.
Zhenxiguan Detention Center.
In the evening, Dong Jian, who contracted the 385 section, was ready to take a rest.
That's bad luck.
The reason why he came in was all because of the bridge hole.
But what can he do?
It was originally agreed that the expressway would cost 20 million per kilometer, and we contracted 5 kilometers, plus a small bridge costing 10 million.
When the funds were transferred into the account, they were scattered, and only 30 million was received in total.
Taking 30 million yuan to do 110 million yuan of work, isn't this making things difficult for his boss?
Fortunately, the local villagers were very enthusiastic, and the childcare and nursing staff came together to help, and the work was really done.
Now that something went wrong, he was blamed...
"Irresponsible!"
"When I get out, I have to send you all in."
Dong Jian looked angrily at the single room that looked like a small hotel. He felt much better when he thought that twenty or thirty people were crowded together next door, and the people were even more mixed.
"Thanks dad!"
Just then.
The door to the single room was opened, and a middle-aged man with an honest face walked in under the supervision of a guard.
"Dong Jian, from now on you two will share a room."
"Can I say no?"
"no!"
After the guard finished speaking, he closed the door to the room.
The middle-aged man with an honest face raised his head in surprise, "Are you Dong Jian?"
"Yes, I won't change my name when I'm working, and I won't change my surname when I sit down." Dong Jian was lying on the wall carelessly, "I, Dong Jian, am in the road and bridge business."
"Are you Dong Jian?!"
"yes!"
"Qian Xie Niang!"
"Hitting someone!"
"When you built the expressway, and we all went to help, what did you leave behind in the end?"
"Oh shit, Shiliying people! Brother, there's nothing I can do. Brother, don't hit me. I rely on my brain to make a living...Brother, stop hitting me. I can take you out!"
"Can you really take me out?"
"Really, as long as we don't convict you, it's just a word from my father, but we have to wait."
"What are you waiting for?"
"When the limelight is over, I don't know which bastard is in charge. Markets all over the country are spreading rumors and overturning at high speed. Then I was targeted. In the end, those people assigned the responsibility to Qiaodongzi."
"What happened to that bridge hole?"
"The construction is a bit substandard. Once my father applies for a rectification plan and makes it exactly the same as the current bridge, there will be no problem... By the way, what did eldest brother commit?"
"Brick kiln..."
"The brick kiln in Shiliying?"
"Um."
"You were brought in by Liu Danian. What a big deal." Dong Jian said, taking out his cell phone.
"Can you still bring your mobile phone?"
"How can I contact my father without him?"
"It's great to have a dad."
"Yeah, I think so too."
"Oh, blame us for not having the ability. It would be great if my son lived as open-minded as you, but he may still be facing a group of debt collectors now."
"What's your son's name? I'll let people outside take care of him."
"Yu Yang."
"Yu Yang? It sounds familiar. Are you a bean sprout seller?"
"No, he is in his third year of high school."
"Oh, that's good, otherwise we really can't be brothers."
"Why?"
"It's those people selling bean sprouts who are spreading rumors. When I go out, I will smash their stalls and tear down their plastic greenhouses."
Dong Jian said and dialed the phone, "Old man, there is a brick kiln...what? Issues left over from history? Just this sentence? Okay, when can he go out? Just tomorrow? You are awesome! When can I go out? Again Wait? Are you my biological father?" Then he turned around and said, "Brother, although you can go out tomorrow, you have to accompany your brother. It's too boring here, so let's go out together."
"I've been here for so many days, not less than these few days."
…
The next day.
It's still dark.
The person in charge of the county credit union and the person in charge of the asset appraisal agency rushed to apply for the loan at the urging of the county supervisor.
Ten ordinary plastic greenhouses, plus ten plastic greenhouses with steel frames, are worthless and cannot be mortgaged.
Ten sunrooms under construction, plus related technologies, are mortgaged for 500,000 yuan.
The brick kiln transformed into a vegetable cultivation base has a mortgage of 1 million.
The person in charge of the credit union and asset appraisal witnessed the yield and huge profits of the bean sprouts. Based on the principle of doing whatever the leader said, he followed the process carefully and strictly.
But when it comes to computers...
Computers are indeed valuable, one costs nearly 20,000 yuan.
If added value is included, a company that purchases 160 computers must be very powerful and a high-quality customer of the bank.
Then, the credit union will definitely be willing to take out a loan of 3 million.
The problem is, this TV!
Oh, and there’s also the Xiaobawang learning machine.
You guys are pretty good at fixing things, right?
The person in charge of the credit union and asset appraisal did not dare to compete with the county supervisor.
The two lowered their heads to discuss for a moment, and then the person in charge of the credit union came forward.
"Boss Yu, how about taking a credit loan for these 3 million?"
"May I?"
“Asset assessment can be used as a guarantee, it’s definitely possible!”
A credit loan is always more reliable than mortgaging a batch of computers.
Otherwise, one day this matter is exposed, the county credit union will become a joke.
Seeing this, the county supervisor looked at Yu Yang and said, "Since these computers are no longer needed, I will find another bank and continue to help you with a loan of 3 million."
"Leader, that's not necessary. It's enough."
After Yu Yang declined politely, he looked at the person in charge of the credit union and said, "I also have a Hutouben worth 2.2 million yuan. I wonder how much can be mortgaged?"
"Boss Yu, since the leader is here, I won't beat around the bush, the maximum is 1.1 million."
"Let's see. It was 1.5 million + 3 million before. Now Hu Touben mortgages another 1.5 million to make up 6 million. How about that?"
The county supervisor had turned away.
The person in charge of the credit union thought for a moment and said, "Okay, but I hope Boss Yu's company can use our bank's services more for its capital circulation."
"No problem. After the company is established, I will also ask employees to apply for the passbook of our credit union as a salary account."
In these days, villages and towns only had post offices and credit unions, but no other banking outlets.
Without a credit union, there really is no other choice.
Naturally, Yu Yang would not refuse.
…
Negotiated all morning.
Finally, under the auspices of the county compound, the credit union provided a loan of 6 million with a term of 3 months and no interest in the name of assisting the development of local enterprises.
After talking.
At the urging of the county supervisor again, the heads of industrial and commercial institutions and accounting firms arrived.
What to do?
Capital verification.
These days, the threshold for registering an individual business owner or a limited liability company is relatively low, and most do not require capital verification.
However, registering a joint-stock company requires the company to have sufficient financial strength due to factors such as letters of credit, equity flows, and future listing.
Also called paid-in capital.
For example, when registering a company, you write a capital injection of 100 million.
After the company is established, you have to come up with 100 million in currency, or enough fixed assets and intangible assets.
Otherwise, if you only take out 20 million, it will become a liability of 80 million.
Therefore, when registering a joint-stock company, you cannot write the registered capital indiscriminately.
Of course, capital in another time and space is rampant and has long since stopped taking this seriously.
But the private economy has just started these days, and we really need to pay attention to this.
Therefore, when Yu Yang submitted the registration materials, he filled out the threshold of 1 million for a joint-stock company.
The registered capital determines the length of the name of the joint-stock company.
For example, if the registered capital is 5 million, the ‘county title’ can be removed.
For example, if the registered capital is 50 million, the ‘city title’ can be removed.
For example, if the registered capital is 100 million, you can remove the 'industry name' and call it XX Group, or Oriental XX.
I only spent 1 million, and the company name was long and smelly.
[Sanyuan Agricultural High-tech Development Co., Ltd., Shiliying Township, Pingdong County, Tai City, Dongshan Province. ]
With the supervision of the county supervisor, everything went smoothly.
By noon, the business license and tax registration certificate were already hanging on the east wall of the living room on the first floor of the small foreign-style building.
In addition, the deputy county supervisor also prepared three bright copper door plates in advance.
One petition: advanced enterprise.
One petition: key units.
A petition: high-tech demonstration base.
Three house numbers are hung vertically in the corridor on the first floor, which looks quite formal.
With this as the background, Sanyuan Agriculture held a brief ribbon-cutting ceremony in the courtyard of Xiaoyanglou.
The county supervisor stood in the middle.
Liushu Station is on the left side, Zhou Xiaoguan Station is 2nd on the left, Township Chief Station is 3rd on the left, Director of the Township Investment Promotion Office is 4th on the left...
The deputy director stands on the right side, the county industrial and commercial person in charge stands 2nd from the right, and the county investment promotion person stands 3rd from the right...
Yu Yang stood on the second floor, covering his right ear with his left hand and holding a bamboo pole to set off firecrackers with his right hand.
Click!
The old master of the photo studio left behind this precious scene.
“Happy opening!”
People from Shiliying and many vegetable vendors who received the news sent their blessings.
Yu Yang planned to roar, but he found that among the chaotic crowd, three Santanas and two police cars parked on the side of the provincial road were neatly carried on the ground by several piles of red bricks, and all the wheels were missing.
"This is impossible to guard against!"
(End of chapter)