Back to the small fishing village in 1982

Chapter 1271 Interest-free Loan
He no longer cared about the Chamber of Commerce's affairs after he returned home. No matter what those people did, he didn't have time anyway.

Father Ye also asked what they talked about at noon.

The boatmen all talked about how Ye Yaodong had gained another title of vice president.

"But I don't think there are many people here, so it seems useless..."

"Haha, I think so too. With just a few of us, I feel like even our villagers can form a gang. We're stronger than them."

"That's right. After all, we have about 200 people here, and they are all from the same village or nearby. They are more reliable than these people."

"Yes, this Chamber of Commerce doesn't look reliable, and I can't tell where the money is..."

Father Ye looked at Ye Yaodong and said, "Let's not bother with all this anymore. Go and have a rest after dinner. When you've had enough rest, decide whether to go out to sea tomorrow or the day after tomorrow."

"The day after tomorrow, I'll go to the shipyard tomorrow to take a look. I haven't been home for half a month, I don't know how things are going over there."

"That's right. Otherwise, I will take people out to sea tomorrow. You can stay at home and watch. You have to take turns, otherwise you will be at sea all the time."

Ye Yaodong thought about it and thought it was an acceptable option.

I had a chat with Jin Lai Xi and the others today, and they all left their contact addresses. When the fresh-water ship sets out to pick up the goods, he will first find these people and ask them how much goods they need that day so that they can reserve some in advance and send them over.

This can also bring him some convenience. Now that he knows her, he might as well try to make use of it.

If there is no need, just treat today's words as nonsense or polite remarks, then forget it.

We'll see what I say when the time comes, after all, we just met.

The environment at the dock is one of oversupply. There is no shortage of goods at all. What is lacking is buyers with channels. The fishermen are begging to sell, unlike in the future when merchants would beg to buy. Now the merchants have the final say.

He has been here for more than two months, and he and his father cannot always sell out all the goods. If they cannot sell all, they keep them back to dry in the sun, and the price is based on the lowest price at the dock on that day.

This can also be considered as a guarantee for other fishing boats. Anyway, as long as he collects the goods from the fresh boat, other fishing boats don't need to worry about it at all. If they can't sell them, he will naturally count the money.

He didn't care. His family needed dried fish anyway. It would just take more effort to have someone kill and dry the fish.

However, he has many workers in his family, so he never has to worry about lack of people to work. Even those who stay at home to look after the house have to do some work.

The house they rent now is already filled with dried fish, and they almost have to find another warehouse to store them.

Now that he had the chance to switch places with his father and go out to sea, he looked around nearby and got the job done.

The father and son also talked about this after dinner.

Ye's father said directly that he wanted to rent a better one, at least one with a roof that couldn't leak, otherwise it would be very troublesome every time it rained, and he would have to move the goods outside to dry them.

He just said to try his best. Nowadays, every family has a large population and they all lack houses to live in. It is good enough to be able to find a house.

He was thinking about finding a house and then using nylon bags or thick rain cloth to cover the roof. It wouldn't be a problem unless there was a typhoon.

The next day, after he got up, he went to look for A Guang. Yesterday, A Guang had said that he would go to the shipyard with him to take a look, so it was convenient for the two of them to have some company.

When he rode his bike to A Guang's place, A Guang was sitting at the door with his feet up.

"Hey, here I come. I've been waiting for you."

"You can go buy a bicycle now."

"I thought so too. I'll go check it out later. Otherwise, it'll be hard to go anywhere."

After Ye Yaodong waited for him to get in the car, he went to the shipyard.

The roads in the city were fine and relatively flat, but there were a lot of people coming and going, so he had to put his feet down after riding for a few times.

There are fewer people outside the city, but the road is not good either, with many potholes. The front of the bicycle twists and turns, and you can't ride fast.

"Carrying you is more difficult than walking for me."

"Then you go down and walk?"

"Fuck you, this is my bike, get off and walk..."

"I don't want it, you should work harder for me..."

"Your uncle's..."

The two men in the car were arguing and cursing with each other until they reached the gate of the shipyard.

"It's quite big... There are a lot of boats on the shore. Where is your boat parked?"

"Just follow me."

Ye Yaodong was the first to walk towards the beach. There were many workers on the fishing boats around the shore, carrying materials or repairing the boats.

Various noises were coming from the factory, and A Guang kept looking around.

Ye Yaodong asked, "All the fishing boats produced here are made of steel. Do you want to order a few and drive them back during the Chinese New Year?"

"How many? I can't afford any."

"Stop it."

"Just order a few and call me when you're done." A Guang looked around and said casually.

"Isn't the one I spent so much money on being renovated over there?"

"It's too expensive and I can't afford it. I don't have as much wealth as you do."

"Just spend all your savings. Money won't make money if it's just sitting there. If you buy a boat, you can sail it out and make money. How great is that. Look at the income of our family, which has increased several times in the past few years since we got the boat, and the cost of the boat is rising every year."

"Let's watch first."

Ye Yaodong didn't say much. They were all knowledgeable people, so just a few words would be enough. He himself still owed money, so how could he encourage others?

He led A Guang straight to the cargo ship. There were people welding on it at the moment, so they couldn't watch for long. They just asked the apprentices next to them about the progress.

After getting an accurate reply and being told about what needs to be done next, he felt relieved. It was indeed not a scam and it was being done for him every day recently.

A Guang asked curiously: "Can you drive back during the Chinese New Year?"

"It is said that it is about the same. It depends on how fast the equipment arrives. For such a large ship, the equipment must be pre-ordered. If it arrives quickly, it will definitely be made quickly. It also requires the equipment and workers to do it, so just wait."

"All these boats at the dock are here for repairs, right? The ones being built are all in the open space at the back, and inside, right?"

"Just go around and ask more questions. Since you're here now and have nothing to do, why not just broaden your horizons?"

The two of them were visiting everywhere. When someone asked them about something, Ye Yaodong pointed to the cargo ship and said that he was the captain of that ship. The fishing boat was coming here for modification, so he came to check out the progress. No one stopped them.

However, when the two of them entered the venue, they unexpectedly met Shen Ming'e again.

She also saw it at a glance, and ran towards them with a smile, "Comrade Ye Yaodong, you didn't go out to sea?"

Ye Yaodong was also surprised and asked: "Didn't you say you were going to work after National Day? Why are you here?"

A Guang looked back and forth at them. How come he didn’t know that Dongzi had met a local beauty?

"I just came out of my dad's office, asking him to take out a loan. Oh, yes, do you want to take out a loan? There's no interest."

"Ah? A loan?"

"Yes, for loans, the bank gives you money without interest. Do you want it? This is to promote the development of the rural economy. Only farmers and fishermen can get interest-free loans."

Ye Yaodong shook his head, "I don't have anywhere to borrow money..."

"Buy a ship. The bank will lend you money to buy the ship, and you just need to pay it back in a few years. How great! It's a business with no capital investment."

His heart was pounding. He had heard of interest-free loans before, but he didn't expect that they really existed?
Shen Ming'e looked at them expectantly, then looked at A Guang, "Is this your friend? You can take out a loan together to buy a boat, and pay it back after a few years when you make money. This is national policy support, and you will never get it again if you miss this opportunity."

"You go to the bank to work in the loan business, right?"

"Oh, isn't it? I've only been working for a few days and I'm asked to find someone to take out a loan. Who should I turn to? I can only turn to relatives and friends, but I'm afraid of them all... hehe..."

She smiled awkwardly and said, "That's good. There's no interest. The country lends you money. It's better than borrowing money from others."

"Yes, if you borrow money from others, you still have to owe them a favor, and now people are poor, so they can't borrow much money."

"So you guys go get a loan. I'll help you apply for the loan amount. Then you can buy the boat. It will pay off in a few years. How nice is it to get a boat for free?"

Ye Yaodong couldn't help laughing, "You are doing a good job in this business. Just wait here and wait for a ship boss to come. Let him go for a loan and spend money with your father. Your business will grow at both ends."

"Hehe, what I said is also true. Even though this loan means owing money to the country, it is better than owing money to an individual, and there is no interest..."

Ah Guang couldn't help but say, "What if he can't pay it back? If the son has to pay off his father's debt, then the debt will be passed on to his grandchildren. It will bring trouble to the family, and if we owe money to the country, our reputation will be ruined."

"How can you think like that? This is a poverty alleviation fund from the state. Think about it, you use the loan money to buy a boat, and then you can go out to sea to fish. Wouldn't that make money? If you really don't make much, can you sell the fishing boat? It's a sure win."

A Guang shook his head. He couldn't even stand up straight when he thought about owing money to the country.

Ye Yaodong said, "Your father seems to be very busy here. Can he take orders? What if the loan is granted but he can't buy a boat?"

Shen Ming'e said: "It's no loss if you can't buy the boat. You can pay it back when it's due."

"Then why should I repay the loan? The money will just pass through my hands for a while. If people know that I borrowed money from the government, won't I lose all my dignity?"

"Then you can keep it secret from others, okay?"

"Is there a wall that is impenetrable?"

"Why don't you ask my dad? I don't know anything about shipyards. Ask about the delivery date of the ships now. I can help you figure it out. Can you arrange it earlier? It's a great thing for the country to lend money directly. There's really no interest. Once you get it, it's yours. You can pay it back when the time comes. You really don't lose anything."

Ah Guang frowned, pulled him, and said in their local dialect: "Is this a trap? The government gave us money for free, and we have to buy her boat? Is she trying to trick us? Who is this woman? Where did she come from? How do you know her?"

"I got to know her through a layman. The factory manager here is her father. The loan business she mentioned should be true, but it may be difficult to get people to apply for loans, so she said this, asking us to buy her boat and use the back door."

"Is it true? The government is giving money for free. I doubt it. But some people took the money, ran away, and can't find it, like us from other places? What should we do then?"

"I don't know about that, but she persuaded us to take out a loan, so she must have a business target to meet."

"I always feel that there are some crooked ways. Let's not listen to her. If we want to buy a boat, we can buy it if we save enough money. There is no need to take out a loan and owe the country money."

Shen Ming'e couldn't understand what they were saying, so she could only look back and forth and listen to their chatter.

"Have you discussed it? You really won't lose money. I have several uncles who have also done it. Our bank is also a legitimate unit and will not cheat you. Why don't you go to my dad's office and talk to him about the size and type of ship you want. I will ask him to arrange an earlier delivery date for you so that you can use it to earn money to repay the loan earlier."

Why does this sound a little off?

Ye Yaodong smiled and said, "What you said, on the one hand you persuade us to take out a loan, and on the other hand you ask us to make money to repay the loan quickly..."

"Haha, don't worry about it. Let's go. Let's go talk to my dad about fishing boats first. If we can come to an agreement and it's a good fit, you can ask me for a loan. There's really no interest and no collateral required. This is a national policy. It's poverty alleviation funds. You don't have to be afraid."

Ye Yaodong knew this and didn’t need to be afraid.

It’s okay to borrow it and run away.

But most people are afraid, and there are few who are knowledgeable and courageous.

People’s thinking is always so backward. They are afraid that their sons will have to pay for their father’s debts, and they are afraid that they will not be able to pay it back and bring trouble to their descendants, so most people miss out on great opportunities to turn things around.

Those who used that batch of loans at this time would probably become wealthy people and big businessmen after the loans were issued.

Ye Yaodong was dragged by Shen Ming'e towards her father's office. A Guang called out twice from behind but couldn't stop him, so he could only follow.

As Shen Ming'e walked, she kept talking about interest-free loans.

After entering the office, she asked Director Shen to give them some convenience and arrange for an earlier delivery date if they wanted to order a fishing boat. However, she was scolded for making trouble.

"The delivery date for each ship is fixed, so how can we cut in line? At most, we can finish it ahead of time, and then some people will have free time, so we can move around."

"Then do your best. They are all my friends and my business..."

Director Shen was helpless as her clothes were shaking, and he looked at Ye Yaodong and the others.

"How big a ship do you want to build?"

Ye Yaodong and A Guang exchanged a glance, and seeing Shen Ming'e's expectant eyes, he pondered and said, "We haven't made up our minds yet. We came here today just to see how the cargo ship has been renovated. We didn't expect to meet Comrade Shen Ming'e..."

Director Shen understood immediately after hearing this. It was Shen Ming'e who pestered them to handle the business and brought them over, not them asking for a backdoor deal.

"Haha, don't listen to her nonsense. Whether to get an interest-free loan depends on your own plan. Although there is no interest, borrowing money is always stressful, and you are borrowing money from the government."

"You have to have the idea of ​​making money before you go for loans, otherwise it will be in vain."

Shen Ming'e sighed and her shoulders immediately drooped.

"Forget it, I'll ask someone else."

Ye Yaodong glanced at her and changed the subject, "I think this interest-free loan is also very good. It is also encouraged and supported by the country. It's just that we don't understand it yet."

"Let's go back and find out more and discuss it first. After all, this loan is not a trivial matter. They will definitely not lend a small amount of money. I have already bought such a large cargo ship, so a small amount of money is meaningless to me. I just don't know how much I can borrow at most?"

"Also, after we get the loan, we will definitely have to buy a boat. Director Shen, can you please tell us about the cost and delivery time of various types of fishing boats, as well as the materials used? So we can consider it."

The expression on Shen Ming'e's face immediately changed from cloudy to sunny, and then she agreed on behalf of her father with a smile on her face.

"Okay, okay. I'll tell you what kind of fishing boats there are. Then you can go back and think about it carefully. This is really good. The government will give you money for free to support it..."

Director Shen glared at her and she stopped.

"Okay, then I'll introduce you to the various types of fishing boats and the delivery dates. You can think about it when you get back."

Ye Yaodong smiled and said, "Thank you."

Then he said to his Ah Guang: "Sit down and listen for a while, it won't hurt. Anyway, we are not in a hurry to go back."

"Although borrowing money from the government sounds scary and it feels like you have no face or substance, you don't have to be afraid. If you really need money, it's better than asking for money everywhere, right? You have to look at people's faces and say nice things to them."

Ah Guang frowned, "Even though that's what you said, are you really planning to buy another boat? When will it be built so that you can sail back?"

"If I could really get a boat for free, I would come back next year no matter what!"

“There is no such thing as free…”

"Listen, this is no different from being free, right? Think about it, how much money has that Fengshou boat in your hand made for your family in the past two years? In less than a year, has it all been paid back?"

Ye Yaodong turned around and smiled at the father and daughter. "Excuse me, Director, can you tell us about the steel fishing boats that are 20 to 30 meters long? You can also tell us about the ones that are 30 to 40 meters long, so that we can learn more about them and have a better idea of ​​what they are made of."

"Row."

Ye Yaodong was communicating with Director Shen, and A Guang temporarily put aside his thoughts and listened carefully.

It's worth learning more about it. It's not a big deal. It's rare that the fishing boats here are made entirely of steel. They look more advanced.

They have to go to the province to find out, but now that everyone is here, they might as well take a look.

The two of them stayed in the office for the whole morning, and Shen Ming'e accompanied them, making tea and bringing them water.

It was not until noon that I followed them out.

"Comrade Ye Yaodong, go back and discuss this. I'll go back and ask as well to see how many tens of thousands you can get at most. I think you'll need tens of thousands to get enough."

"You are amazing. You are only a few years older than me, but you have so many boats and assets. Is this how fishermen make money? I always thought fishermen worked very hard and were exhausted, but they didn't make much money."

Ye Yaodong said with a smile: "There are talented people in every profession. Fishermen are indeed very hard-working and tiring, and they don't make much money, but boat owners are better."

"I see. Where do you live? Leave me your address and I'll come find you tomorrow."

"also."

It just so happened that his father went out to sea these days, so he stayed at home and could find him when he came.

Ye Yaodong took the paper and pen she gave him and left his address.

"Then I'll go back first. You can come back in two days. We need to discuss it."

"Okay, you're home anyway, right?"

"Yes, he should be at home for at least a week in the near future."

"Okay, then goodbye. It's noon now, you guys should go back and eat first."

Ye Yaodong nodded and took A Guang to ride a bicycle.

A Guang also waved at her.

After walking a distance, he spoke, "Fuck, Dongzi, what you said makes sense. Isn't this equivalent to getting a boat for free?"

"How much does a boat cost? Let Shen Ming'e get us a loan. Once the fishing boat is built, we can just drive it out to make money. It doesn't require any capital."

"When we have earned enough, we will sail back home directly. We won't have to pay back the loan. No one in the village will know that we have borrowed money from the bank."

Ye Yaodong laughed, "You think it's a nice idea."

Ah Guang also laughed, "Oh, didn't I hit a dead end before? I always felt ashamed to take out a loan, and I was worried that I couldn't pay it back. But I'm an honest man. We've been talking for a whole morning, and I've come to my senses. Now I can get a boat for free. So what if I can't pay it back? I can just run away with the boat. Who can still come to me from all over the world?"

"Haha, if you make money, you still have to pay it back. Who knows, you may need to borrow again in the future? If you borrow and pay back, it won't be difficult to borrow again. You can borrow more in the future."

"That's right. First, take out a loan, and then you get a boat for free. When we make a lot of money, we can pay it back. If we don't make any money, we won't pay it back. If you don't make any money, who will pay you back? If I just run away, will this girl still chase me?"

Ye Yaodong said slowly: "That's why I just dragged you to find out. Otherwise, you would have just left like a fool. You wouldn't have taken advantage of such a free gift."

"But even if you are really afraid of taking out a loan, it's okay to listen to people introducing fishing boats to us. We have nothing to do anyway, so it won't hurt to learn more."

"Even if we don't buy steel fishing boats now, we will definitely buy them in the future. This is the general trend. Steel fishing boats are stronger and more resistant to wind and waves."

"Isn't Shen Ming'e's interest-free loan equivalent to giving us a steel fishing boat? Or maybe two! The brave ones will die of overeating, while the timid ones will die of starvation. Let's just go for it and ask her to arrange the highest loan amount for us."

"Anyway, we can see the income of our fishing boats and know the amount in our minds. If we really do it, we can make money. There is no need to be afraid."

A Guang smiled in a lewd way, his saliva was about to flow down.

"You're absolutely right. The main thing is that we are from another place, so we can run away."

Ye Yaodong said angrily: "Run away, you can make a lot of money, why are you running away?"

"I'm just talking about the worst-case scenario. If it were in our area, how could I dare to borrow tens of thousands of dollars?"

"What are you afraid of? You already have hundreds of thousands of dollars at home..."

"Tmd, what do you think? Where did I get hundreds of thousands of dollars? Give it to me."

"Ask Shen Ming'e to give it to you. She is now the God of Wealth."

"It's God of Wealth milk."

"Haha, go back and discuss it with your father. When she comes over in a couple of days, ask her how much she can lend us at most. I guess the bank has a certain amount and quota for lending every year."

Ah Guang got a little overwhelmed when he thought about it. He was so excited that he couldn't stop smiling.

"Isn't she in need of someone to help her with a loan? Can you invite your brother and the others along?"

"Forget about my two brothers. They are both honest people. When they hear about loans and borrowing money from the country, they will probably be trembling with fear."

"That's right. When I heard about loans and borrowing money from the country this morning, I was disgusted from the bottom of my heart. The key is that I don't know that girl. She sounded like a liar."

"Really? So even if I tell them, they will definitely shake their heads. But we have to mention it, otherwise, when the time comes, those who really see how much money we make will definitely have some ideas."

Just like the Harvest incident at that time, his eldest brother did not participate, and he was still notified. Later, when his eldest sister-in-law saw that they made money, her face turned unhappy.

You still have to say what needs to be said, and then it’s your personal choice to avoid being blamed.

"Then give Ah Zheng a little notice. I guess they will definitely slap their thighs and follow suit."

"Okay, wait for them to come back from the sea in the evening and invite them to our house for a chat."

“It was said before that those over 30 meters long could be delivered in half a year, but if the quantity is large, I don’t know if it can be done.”

"Then I guess we have to wait in line, right? First ask how much loan we can get? Then we can figure it out. If the loan period is longer and the amount is higher, we can get it by next year."

"Hey, you're right. What do you call this? This is called getting something for nothing."

"Yes."

The two of them were excited when they thought about it. They could get a boat for no reason.

A Guang was even more excited, as the largest ship he owned was the Fengshou, which was only 26 meters long.

Dongzi owns the Dongsheng, and also has shares in the SF Express. It also has a 34-meter seafood collection ship, which makes more money.

Some time ago, I took the opportunity to buy a 45-meter cargo ship.

He couldn't catch up even if he tried his best.

Now I can get something for nothing and build a ship that is better than the Harvest. How can I not be excited?

The rejection of the loan that I had initially heard about had long since disappeared during the morning's communication.

Now they wish Shen Ming'e would come to them as soon as possible and tell them how much money they can loan so that they can book the boat immediately, otherwise the cooked duck will fly away.

"We shouldn't have asked her to come back in two days. We should have asked her to come tomorrow. What if she borrowed money from someone else in two days? Wouldn't our ship be destroyed?"

"Why are you in such a hurry? It will take time for her to apply. She might be even more anxious than us. Didn't you see that she has been talking about it all morning and is crying out for us to agree right away?"

"Don't be afraid of ten thousand, just be afraid of the worst."

"When you hear about loans, you are repulsed, let alone ordinary people. Everyone has limited knowledge and backward and conservative thinking. Suddenly, loans are like free money, and no one dares to take them."

"That's right, most people are very conservative."

"Yeah, who is like you, still thinking about taking money from the country and not planning to pay it back."

"Oh my god," Ah Guang laughed, "Isn't that what I said? I will definitely pay it back when I make a lot of money. How big do you plan to build it?"

"That depends on how much loan she can approve for me. I really have no money right now, and I still owe you money."

"What are you afraid of? You make money in a matter of minutes. I'm not afraid of borrowing money, so why should you be afraid of repaying money?"

Ye Yaodong smiled. Of course he was afraid of owing favors to others, but he was not a deadbeat.

This is to make up for the update in the early morning, and there will be another update after midnight.

I will do everything I have said in this chapter.

You will get tired after writing for a long time. It is normal to ask for leave. Don't criticize me. Even office workers have weekends off. The author is tired too.