Agriculture Maniac

Chapter 35 Capital Verification and Opening

After we finished talking about the loan, it was already late.

The leaders who came for the surprise inspection ultimately failed to return to Pingdong County on the same day.

So I stayed at the brick kiln.

Yu Yang asked his second brother and his wife to clean up the only house in the brick kiln.

He also asked his eldest brother to bring in a few cast iron stoves and a few bunk beds that he had welded himself.

Then they spread out the bedding that Uncle Six had bought for the strong men, and fetched a few buckets of well water for later use.

Although the conditions are still simple, it can last for one night.

After Yu Yang left.

The county manager 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 700 million.

Referring to the bank's approval conditions for loan amounts, with a monthly cash flow of 10 times, Yu Yang will definitely be able to get a loan of tens of millions.

The problem is that Yuyang is not even considered an individual business operator now.

Except for a few big customers who adopt the system of prepayment of goods, the rest of the vegetable vendors all use cash transactions, so there is no so-called bank statement.

Without cash flow, it is impossible to assess the loan amount.

And mortgage loans...

Agriculture is not industry, let alone real estate.

Industry has equipment and raw materials, real estate has land and houses, and it is relatively convenient to apply for loans.

What about agriculture?

The land belongs to the village collective, the cost of the plastic greenhouse is not high, and the glass house and brick kiln all require technical support. Technology is in the hands of people, but people will move.

Faced with this situation, banks will definitely not provide high-value loans.

That's why the county chief came forward personally to help Yu Yang get the start-up funds.

But the county supervisor was also afraid that Yu Yang would run away.

Not only are there immigrants going abroad, there are also investment promotion teams from other places that are everywhere.

If Yuyang gets the loan and an investment promotion group from some wealthy region comes over and throws all kinds of sugar-coated bullets at it, I'm afraid Pingdong County will be even worse off than Liaoshi.

Therefore, a solution to Lao Yu’s problem must be found as soon as possible, 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 phone to contact the detention center.

Let's first ask them to find Lao Yu a room with better conditions.

……

Pingdong County.

Zhenxiguan Detention Center.

In the evening, Dong Jian, who contracted section 385, prepared to take a rest.

It's bad luck.

The reason he came in was all because of that bridge arch.

But what can he do?
It was originally agreed that the cost of the expressway was 2000 million per kilometer, and the company contracted 5 kilometers, plus a small bridge costing 1000 million.

When the funds were transferred into the account, they were scattered and only 3000 million was received in total.

Taking 3000 million to do a job worth 1.1 million, isn't this putting the boss in a difficult position?
Fortunately, the local villagers were very enthusiastic and they helped to get the job done by bringing in the help of others.

Now that something went wrong, he was blamed...

“It’s not moral!”

"When I get out, I have to send all of you in."

Dong Jian took an indignant look at the single room that looked like a small hotel, but when he thought about the twenty or thirty people squeezed together next door, and the mixed crowd, he felt much better.

"Thanks, Dad!"

at this time.

The door of the single room was opened, and an honest-looking middle-aged man walked in under the supervision of a guard.

"Dong Jian, you two will share a room from now on."

"Can you say no?"

"no!"

The guard said and closed the door of the room.

The honest-looking middle-aged man raised his head in surprise, "Are you Dong Jian?"

"Yes, I can't change my name." Dong Jian lay on the wall in a nonchalant manner, "My name is Dong Jian, and I'm in the road and bridge business."

"You are Dong Jian?!"

"Yes!"

"Qian Xie Niang!"

"Hit someone!"

"When you built the highway, our whole village went to help. What did you leave behind in the end?"

"Oh my god, it's someone from Shiliying! Big brother, I can't do anything about it. Big brother, don't hit my head. I make a living with my brain... Big brother, stop hitting me. I can get you out!"

"Can you really take me out?"

"Really? As long as they don't convict me, it's just a matter of my father's word. But we have to wait."

"What are you waiting for?"

"Wait until the storm has passed. I don't know which bastard started it, but people in the surrounding villages all started to spread rumors about a car overturning on the highway, and then I was targeted. In the end, that group of people put the blame on the bridge tunnel."

"What happened to that bridge?"

"It's not built to the standard. Once my father applies for a rectification plan and makes it exactly the same as the current bridge tunnel, there will be no problem... So, what did big brother do wrong?"

"Brick kiln..."

"The brick kiln in Shiliying?"

"Ah."

"You were brought in by Liu Danian, it's not a big deal." Dong Jian said, taking out his cell phone.

"Can you bring your cell phone?"

"How can I contact my father without it?"

"It's nice to have a dad."

"Yeah, I think so too."

"Oh, it's my fault. If my son lived as open-mindedly as you, it would be great. But he might still be facing a group of debt collectors now."

"What's your son's name? I'll ask someone outside to take care of him."

"Yu Yang."

"Yu Yang? Sounds familiar, is he the one selling bean sprouts?"

"No, he's in his senior year of high school."

"Oh, that's good, otherwise we really can't be brothers."

"What?"

"It's those bean sprout sellers who are spreading rumors. When I get out, I'll smash their stalls and tear down their plastic greenhouses."

Dong Jian said, and dialed the phone, "Old man, there is a brick kiln... What? A historical issue? Just this sentence? Okay, when can he get out? Tomorrow? You are awesome! When can I get out? Wait a little longer? Are you my real father?!" Then he turned around and said, "Brother, although you can get out tomorrow, you have to accompany your brothers. It's too boring here. Let's go out together."

"I've been here for so many days, these few days won't make a difference."

……

The next day.

It's still dark.

The head of the county credit union and the head of the asset appraisal agency rushed to process 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.

The ten sunrooms under construction, plus the related technology, are mortgaged for 50 yuan.

The brick kiln was transformed into a vegetable cultivation base and mortgaged for 100 million yuan.

The heads of the credit union and asset appraisal witnessed the yield and huge profits of bean sprouts, and in accordance with the principle of "what the leader says is what it is", they followed the process carefully and strictly.

But when it comes to computers...

Computers are indeed valuable, costing nearly 20,000 yuan each.

If the added value is taken into account, the company that purchases 160 computers must be very strong and is a high-quality customer of the bank.

Then, the credit union will definitely be willing to provide a loan of 300 million.

The problem is, this TV!

Oh, and there is also a Subor learning machine.

You guys are really good at it, aren’t you?

The heads of the credit union and the asset appraisal department did not dare to argue with the county supervisor.

The two men lowered their heads to discuss for a moment, and then the head of the credit union came out.

"Boss Yu, why don't you take out a credit loan for this 300 million?"

"May I?"

"Asset appraisal as guarantee, it's definitely possible!"

A credit loan is always more reliable than mortgaging a batch of "computers".

Otherwise, if this matter is exposed one day, the county credit union will become a joke.

Seeing this, the county manager looked at Yu Yang and said, "Since you don't need these computers, I'll find another bank to help you borrow another 300 million yuan."

"Leader, that's not necessary. This is enough."

After Yu Yang declined, he looked at the head of the credit union and said, "I have a Mercedes-Benz worth 220 million yuan. How much can I mortgage?"

"Boss Yu, since the leader is here, I won't beat around the bush. The maximum is 110 million."

"How about this, the previous amount was 150 million + 300 million, and now Hu Tou Ben mortgages another 150 million to make up 600 million, how do you think?"

The county supervisor has turned away.

The head of the credit union thought for a moment and said, "Okay, but I hope that Mr. Yu's company's funds can be circulated and he can use our bank's services more."

"No problem. Once the company is established, I will also let the employees apply for passbooks from our credit union as salary accounts."

In these days, there are only post offices and credit unions in towns and villages, and no other banking outlets.

There is really no other choice other than using a credit union.

Yu Yang naturally would not refuse.

……

Negotiate for a morning.

Finally, under the auspices of the county government, the credit union lent 600 million yuan for three months with no interest in mind in the name of helping local businesses grow.

After the talk.

At the repeated urging of the county supervisor, the heads of the industrial and commercial institutions and accounting firms rushed over.

What to do?

Capital verification.

Nowadays, the threshold for registering an individual business owner or a limited liability company is relatively low, and most of them do not require capital verification.

However, registering a joint-stock company requires the company to have sufficient financial strength because it involves factors such as letters of credit, equity flow, and future listing.

Also called paid-in capital.

For example, when registering a company, you write that the capital injection is 1 million.

After the company is established, you need to put out 1 million in cash, or sufficient fixed assets and intangible assets.

Otherwise, if you only take out 2000 million, you will end up with a debt of 8000 million.

Therefore, when registering a joint-stock company, you cannot write the registered capital randomly.

Of course, in another time and space, capital is rampant and no longer takes this seriously.

But these days the private economy is just starting out, so we really need to pay attention to this.

Therefore, when Yu Yang submitted the registration materials, he stuck to the threshold of a joint-stock company and filled in 100 million.

The registered capital determines the length of the name of a joint-stock company.

For example, if the registered capital is 500 million, the "county name" can be removed.

For example, if the registered capital is 5000 million, the "city title" can be removed.

For example, if the registered capital is 1 million, you can remove the "industry name" and just call it XX Group or Oriental XX.

The company only put in 100 million yuan, so the name of the company became long and boring.

[Sanyuan Agricultural High-tech Development Co., Ltd., Shiliying Township, Pingdong County, Tai City, Dongshan Province.]
With the county supervisor supervising, everything went smoothly.

By noon, the business license and tax registration certificate were already hung on the east wall of the living room on the first floor of the small Western-style building.

The deputy county director also prepared three bright bronze doorplates in advance.

A letter to: Advanced Enterprise.

A letter to: key unit.

A letter: High-tech demonstration base.

Three door numbers are hung vertically in the corridor on the first floor, looking quite formal.

With this as the background, Sanyuan Agriculture held a brief ribbon-cutting ceremony in the courtyard of the small Western-style building.

County supervisor stands in the middle.

Uncle Six stands on the left, Officer Zhou stands 2nd from the left, the township head stands 3rd from the left, and the director of the township investment promotion office stands 4th from the left…

The deputy director stands on the right, the county industrial and commercial director stands on the second right, the county investment promotion director stands on the third right...

Yu Yang stood on the second floor, covering his right ear with his left hand and holding a bamboo pole in his right hand to set off firecrackers.

Click!

The master photographer in the photo studio captured this precious scene.

“Happy opening!”

The people of Shiliying and many vegetable vendors who received the news sent their blessings.

Yu Yang was planning to yell a few times, but he found that in the messy crowd, three Santanas and two police cars parked on the side of the provincial road were neatly propped up on the ground by several piles of red bricks, and all the wheels were gone.

"This is impossible to guard against!"

(End of this chapter)