Go back to 1980 and enjoy it

After signing the fruit seedling purchase contract with Xinguang Farm, Deng Shirong's main purpose of the Lingshan trip was achieved. When he returned home, he silently calculated his recent financial gap in his mind.

After the first batch of goods from the cylinder tile factory was sold last month, the combined income of the father and son exceeded 700 yuan.

He arranged for the woman to come to Deng Changwang's house to look after the house, and he got a three-dollar red envelope. Plus the system's ten-fold reward, it was thirty-three dollars.

In addition to the original seven hundred yuan, the cash in his hand once exceeded one thousand four hundred and fifty yuan. In the countryside, he was a real rich man.

However, in the past month or so, Deng Shirong's expenses have been huge. He spent more than 50 yuan on tuition and living expenses for his sons, and more than 150 yuan on rice, cloth and various seasonings. In addition to the one hundred yuan given to the eldest daughter before coming out, more than three hundred yuan was missing.

Here at Xinguang Farm, Deng Shirong gave a deposit of more than 200 yuan, which added up to more than 500 yuan.

In addition to building a house, it cost more than 800 yuan to buy cement and lime. Originally, there was no need to spend so much, but Deng Shirong wanted to pave the floor of the house with cement, so he spent so much money.

At this point, of the more than 1,400 yuan, only a few dozen yuan were left.

As for the brick and tile factory, they still owe nearly 3,000 yuan for bricks and tiles. The eldest son's marriage requires another 1,380 yuan, which adds up to a funding gap of more than 4,300 yuan.

Such a huge expenditure is placed on other rural people, which is probably too scary to sleep.

But for Deng Shirong, who has seen the world, thousands of dollars cannot scare him.

First of all, the second batch of goods from the cylinder tile factory has also started to be sold this month. The combined income of the father and son is estimated to be 700 to 800 yuan. The monthly income in the following months is expected to be maintained at this range, more than 4,300 yuan. RMB is just more than four months’ income, so there’s nothing to be afraid of.

Moreover, Deng Shirong will not remain idle for more than four months.

Now that the fields and mountains have been divided, the marriage of Zhang Kangmei and Deng Changmei can also be put on the agenda. Deng Changwang and Dai Fanglan have also visited the house. If nothing unexpected happens, they can be urged to register their marriage as soon as possible.

The economic conditions of these two families are good, better than that of Deng Changfu's family. If they receive a matchmaking gift, they will definitely make a lot of money.

Of course, then again, although these incomes are foreseeable, as the saying goes, distant water cannot save nearby fire. He still needs to come up with a large amount of money in the near future.

After much deliberation, Deng Shirong thought of a bank loan.

In later generations, if there is nothing as collateral, it will still be difficult for ordinary people to get a bank loan.

But in today's era, it's really not easy to get a loan from a bank. Deng Shirong remembers that there was a time in his previous life when bankers went around asking for loans. It was the kind of interest-free loan that future generations would never dare to think of. But those who are interested in getting a loan There are still very few people living in rural areas.

It is true that rural people in this era are too honest, and many people are so worried that they cannot sleep because of the money they owe to the bank.

Of course, the most important point is that the concepts of this era are different from those of later generations. Those who owe money in later generations are uncles. Being able to get a loan from a bank means that this person is capable. However, rural people of this era are shy of borrowing money. It feels like Owing money to the bank is a very shameful thing.

This is the main reason why bank loans do not require interest and few rural people are willing to take loans.

As for the specific year of this time, Deng Shirong can't remember clearly.

After all, he had never taken out a loan from a bank in his previous life. More than forty years had passed, so how could he still remember it so clearly?

When I get back, I'll go to the credit union and ask. It would be best if I can get a loan, so I can have more money. If I can't get a loan, it won't be a big deal. At most, it will just postpone the eldest son's marriage a little, which will not affect the overall situation.

Thinking of this, Deng Shirong rested his head against the window with peace of mind, then closed his eyes to rest.

…

Shuangwang Credit Union.

Bu Wanhui was smoking a hookah, and through the smoke, his frown could be seen.

As the director of a credit union, Bu Wanhui's life was pretty good, and he was considered a prominent figure in the village. However, he was still a little overwhelmed when faced with the loan tasks assigned by his superiors some time ago.

Since the reform and opening up, in order to support farmers in economic development, the country has introduced many policies to benefit the people, including interest-free loans.

When this policy was first launched, it had not affected Bobai County, but now that the policy has been launched for more than a year, the leaders of their credit union are also actively responding to the call from their superiors and distributed this loan task to Every credit union in the country.

Faced with the tasks assigned by his superiors, Bu Wanhui was full of confidence at first and felt that he would be able to successfully complete the tasks in a short time.

As a result, when it was actually implemented, Bu Wanhui realized that it was not an easy task to complete this task.

Let alone talking about his brothers, he has already made it very clear that there is no need to pay interest for loans now. It is better to let his brothers borrow some money and invest it casually to do anything than it is now.

But when his brother heard about bank loans, he shook his head in fear as if facing a scourge. No matter how much he tried to persuade, he just refused to go to the bank for a loan.

Faced with this situation, Bu Wanhui really hated the fact that iron cannot become steel. He didn't dare to borrow money without interest. He knew that just by digging in the fields for food, his brother was destined to never make a fortune in this life.

Not only brothers, but also relatives. Bu Wanhui told every relative in the family about this and asked them to go to the bank for loans if they needed them, without interest.

Relatives shook their heads when they heard the word "loan". So far, no one is willing to take out a loan.

Bu Wanhui burned several tubes of cigarettes before putting down the chimney.

At this moment, an employee came over excitedly and said, "Director, someone came here to get a loan!"

Bu Wanhui perked up after hearing this and asked: "Is it a collective or an individual?"

The employee smiled and said, "It's a personal loan."

A smile instantly appeared on Bu Wanhui's face. Their credit union did not lack collective loans. The loan tasks assigned by superiors did not include collective loans, but individual agricultural or commercial loans for farmers.

After all, this policy formulated by the state is to help farmers develop their economy.

As the saying goes, everything is difficult at the beginning. There has been no progress in personal loan tasks before, but now someone has finally taken the initiative to lend money. As long as the other party makes achievements, others will definitely follow suit, and then their credit union can hope to complete the tasks assigned by their superiors. .

Thinking of this, Bu Wanhui couldn't sit still. He wanted to go out in person to receive this extremely important customer to their credit union.