Back to the small fishing village in 1982

Chapter 1281 Loan
This is a mutually beneficial thing in itself, and we can't say that he has made a good plan.

Ye Yaodong smiled and said, "Maybe they also want this. If they cooperate with me, I will not interfere in anything. They can control the fishing boat themselves and have the final say."

"If they find someone to partner with them, and each person contributes half, it will be enough for most people to have a good time. They will regard the boat as important as their life. If the two sides disagree, who will they listen to?"

"If we put all our wealth into it, both families will definitely give orders about what to do with the fishing boat."

"This is because there are not many investors. A normal fishing boat costs more than 2 yuan. With the money they have earned from renting fishing boats over the past year, they can't even afford to pay half of it. They must have more partners."

"There are many people, so there are many things to say. Do you think everyone is like me and my second brother, who only take the money and have no opinions, and will not interfere with the Harvest?"

"If my second brother and I disagree every now and then about whether the Harvest should go here or there, or who to sell the goods to, or whether to go out to sea today, and we have to give some opinions, who wouldn't be annoyed to death?"

"Do you think what I said makes sense?"

A Guang touched his chin and felt that what he said was right. Who would like to listen to others pointing fingers and singing the opposite tune?

"That's right. Not to mention a boat worth 20,000 or 30,000 yuan, 2,000 or 3,000 yuan is not a small amount of money. Every family has to pay attention to it. If you take out a boat worth several thousand or tens of thousands of yuan, you really have to treat it as important as your life. When there are more shareholders, they will inevitably make decisions."

"It's actually the most enjoyable to be in partnership with you. You just have to pay the money and don't have to worry about anything else. They are happy to cooperate with you and you have full control over the ship. There are no major problems. They basically have the final say, and you, as their big brother, bear the risks together."

"If I were to form a partnership with someone else, I would still have to share the money. It would be better to form a partnership with you. The psychological security that others can provide is something that no one else can give me."

Ye Yaodong added: "There is another point. If he forms a partnership with me, the captain can get another salary from it. I don't care about anything anyway, so I definitely won't get any salary. If he forms a partnership with others, people who invest the same amount of money will also have to get the same salary, and the distribution of personnel on the ship will also have to be divided half with others."

"There are two captains on a boat. Even if they are brothers, they will have conflicts. My eldest brother and second brother are the best, but they also have disagreements."

Ye Yaopeng and Ye Yaohua laughed.

"Yeah, Dongzi is right, we both have our fights sometimes."

Father Ye said, "Why didn't you say something to remind them when everyone was here just now?"

"It's still early. I just checked the bills. Seeing so many people here, I just mentioned it casually. It won't be too late to talk about it after the New Year when I go home. Anyway, those who rented the boat are basically cousins, except for a few."

Besides, there were so many boatmen nearby, all listening. They could pass messages to each other, so there was no need for him to say it clearly.

We are all from the same village, so we chat and analyze things with each other, and then we all have a clear idea of ​​the situation.

"When we get home, we'll set up a few tables and invite everyone to have a meal, just as a New Year's Eve dinner."

Father Ye smiled and said, "You're still thinking that far ahead. The Chinese New Year is still two months away."

"It's also fast."

Ye Yaodong looked at the people who had not left yet and pulled them to play cards. After all, it was a rainy day and there was nothing to do.

It rained for five or six days and the temperature dropped by 7 or 8 degrees. Everyone wore new cotton-padded jackets for the next two days.

After the rain stopped, the sky cleared up, and the temperature rose a little, so everyone took off their cotton jackets again.

Ye Yaodong also took advantage of the fact that it was not raining and called all the workers to move the quilts.

They were all new quilts, so thick that they could crush people. Everyone was smiling and as happy as if they were receiving money.

Young people may never have slept on a new quilt in their entire life, while older people may have slept on a new quilt only after they got married.

Everyone couldn't help but rub the quilt on their faces, smiling so hard that their teeth were showing. Everyone said that they had never slept under such a good quilt and they could have a good and comfortable sleep at night.

Even the passers-by on the street looked at them enviously as they carried the big quilts.

After returning home, workers from other fishing boats also came to see the quilts they had carried back. They touched them and were very envious, as others still hadn't found theirs.

"The temperature has dropped recently, this quilt is so nice..."

"I've never covered myself with such a thick, new quilt in my life..."

"Ours should be almost done, right?"

"It should be able to be covered when the temperature drops..."

"Fortunately, the cotton-padded jacket has been brought over, so I can use it to cover myself at night..."

Ye Yaodong looked at the bustling entrance and said to his father, "The wind is blowing. We have to wait two more days."

"Well, it's getting cold, and there will be cold winds. Listen to the radio more these two days."

"It's much colder here than where we are. It's only November and you need to wear a cotton jacket."

"It's a little cold here at the seaside port. It's been more than a week since I applied. Is there still no news about your loan?"

"I don't know. It has been raining these past few days. I'll go check it out this afternoon."

He thought that the review process would not be that fast now, as it was all manual paper review, and the documents might even have to be sent by express to the superior bank.

Unlike in the future, with the national network and computer review, it will be fast. You can apply today and sign for the loan tomorrow.

"Go check it out this afternoon before it rains. Now that you've done what you've done, make sure you implement it. And by the way, call back and let them know you're safe. You haven't called for over a week."

"That's fine, let's go together. First, make the call, then go to the bank."

"You can also call at the bank. Just call one when you go there."

"Then ask about the loan first, then call. Don't you want to go and hear about the loan?"

Father Ye hesitated for a moment and agreed.

When the father and son finished their phone call at noon, they both breathed a sigh of relief when they came out of the bank.

The loan of 20 yuan had not yet been transferred back, and all they heard were words of concern about having enough food and clothing, which made them feel relieved and their steps lighter.

However, the loan review has not yet passed, they just said it won’t be that fast. Their local bank has already reviewed and approved it and sent it out.

It has to be approved by the superior bank, and they can only release the loan after receiving the documents.

Shen Ming'e just asked him to go back and wait patiently for another week. After the superior bank approved it, she would come to inform him to go to the bank to sign, and then the loan would be released.

After Ye Yaodong came out of the bank, he still teased his father, "When I saw you answering the phone just now, it looked like you were going to be executed."

"nonsense."

Father Ye quickly changed the subject, "It's just right that you are waiting at home these few days. You don't know when the loan will be released. You can go directly to the shipyard and order a boat. Otherwise, you will owe money and have no boat."

"You still have to urge the cargo ship. It would be best if it can be done in one or two months. When we return, we can drive the ship back directly. If they see something, the scolding will not be so loud."

He responded, "I see. Just because you want to work there every day, they should pay more attention to it."

"I have to go out to sea, otherwise I can stay there every day. You have to pay more attention and go over there more often."

"I know, I don't want you to tell me."

The wind blew for two days. When the wind died down a little, Ye's father took a few fishing boats out to sea again.

Ye Yaodong also went to look for Li Shouquan. He knew that they also went out to sea to catch shrimps on the same day. He calculated the time in his mind, thinking when to go find the merchant again, and after deciding the quantity of goods, go out to pick up the goods.

It has been windy and rainy these days, and there are fewer people on the dock. Many ships have returned to the port, resulting in a decrease in transaction volume.

Now that the sky has cleared up and the weather is good, fishing boats are rushing to leave the port and thousands of boats are passing by.

This led to good sales of fish that day, after all, many merchants had been out of stock for several days. The processing plants were still okay, as many intermediary fishmongers were the first to supply the processing plants.

The processing plants also have a lot of inventory, so occasional bad weather will not have an impact.

Ye Yaodong went out to sea every one or two days to collect two or three batches of goods, but he didn't keep an eye on the loan issue.

There is no point in rushing this matter. It is not a labor problem, but a problem of roads, communications and technology. It won't be speeded up no matter how hard you try.

This wait lasted until almost the middle of the month. Ye's father and his companions had been out for 10 days and came back again. Only then did he see Shen Ming'e when he was reconciling the accounts.

"Boss, Boss, that little beauty you had last time is here..."

"Adong, your little girl is here..."

Ye Yaodong was still checking the accounts when he heard a group of people at the door shouting at him excitedly.

Everyone in the room looked at him in confusion. What little beauty? What little girl?
"What are you arguing about? Can't you see we are settling the accounts?"

The person who ran in said loudly again, "It's the pretty girl from last time, the very pretty one."

As soon as Ye Yaodong heard it, he knew that he was talking about Shen Ming'e. "Tell her to wait a moment. I'm settling the bill here. It will be quick."

"Oh well."

Ah Guang asked, "Has the loan been released?"

"Maybe the application was approved."

He looked at the curious people and rapped the table with his knuckles again, "Go on, finish the calculation first."

Except for the receipt of Shopee which is settled in cash, everyone is waiting to settle the bill after returning from this trip and then get paid.

Nothing is more important than them settling accounts and getting paid.

Everyone turned their eyes to the list of goods in his hand, watching him calculate the bill on the calculator.

Ye Yaodong has earned over 2 yuan these days from three boats, including his own Dongsheng, and he has also earned more than 3 yuan from the boats that collect shrimp.

He had already calculated the accounts the night before, but it was not accurate. It should be said that he would calculate them every time he came back from selling goods, and then record the income and expenditure in a small notebook.

In just ten days, he has earned more than 5 yuan.

He would have earned more if it hadn't been for the bad weather at the beginning of the month.

His heart started pounding just thinking about it. It had only been a few days, but his efficiency was much higher than the previous two months...

He couldn't even imagine how much he would earn in the next two months.

I originally thought I could make 50,000 or 60,000 yuan a month, but now that I know those shrimp fishing boats, I can make more than 50,000 or 60,000 yuan...

Of all the money he earned during the three months in Zhou City, except for the tens of thousands of yuan he sent back home, the remaining 10 yuan was put into that cargo ship.

At the beginning of this month, when he reconciled the accounts at the end of the month, he paid A Guang 15000 yuan and had more than 2 yuan left.

Now after deducting some expenses, I still have more than 5 yuan on hand.

As expected, if you master the production and sales channels, you can make money quickly.

The channel now is money.

It wasn't in vain that I went to the meeting of the Chamber of Commerce and got to know people there in vain. It was of some use to me.

Now he no longer needs to set up a stall on the dock until dawn. He just needs to make contacts one day in advance, go out to sea to collect the goods the next day, come back to allocate the quantity, and arrange for the delivery, and he can get the money immediately.

This was a completely cash transaction, with no outstanding bills. Except for the cash advances he gave to a few Shopee boats, no one else owed him money.

Every day’s transaction means real cash flowing into your pocket, which is so comfortable to see.

Ye Yaodong calculated the bills for the three ships and then paid them in cash.

After counting everything and making sure there were no problems, he walked out.

Shen Ming'e had been sitting at the door for a long time. People around her were looking at her and talking in words she couldn't understand. They were all men. She felt very uncomfortable and began to regret sitting down and waiting.

She should have left a message and let Ye Yaodong go to the bank to find her.

Just when she was about to go back, Ye Yaodong came out.

She stood up immediately as if she saw the light, "Comrade Ye Yaodong, huh..."

"I'm sorry to have kept you waiting. The fishing boats have all returned and we were just settling accounts inside. We were only halfway through and couldn't spare any time. I'm really sorry."

"If you don't come out, I'm leaving too. Are these all your workers? There are so many of them, maybe thirty or forty. It's scary..."

Ye Yaodong looked around. There were some old men and women sitting at the door, but they were gone. They were probably scared by the dozens of outsiders gathered together and went back into their houses.

Just now when the three boats were settling their accounts, everyone who had nothing to do came over.

Whenever they come back, they like to hang out in places where there are many people.

Whenever these outsiders gathered together, the locals would avoid them out of fear, fearing that they were outnumbered and that if a quarrel broke out, they would be deadly.

At this moment, all eyes were looking at them, very curious, which was indeed embarrassing to watch.

"It's okay, they're just curious. Next time if you have something to say, just send a message and go back. I'll find you at the bank."

"Okay, I regret staying here and waiting. There are too many people here..."

"Is that a lot? There are still more than 100 of them at sea. They won't be back until night. If you come here at night, won't you be so scared that your legs will tremble?"

She quickly shook her head, "No, never again."

Ye Yaodong laughed, "Has the loan been approved?"

"Yes, it has been reviewed and sent back. I received the document this morning, and I wanted to send it over for you to sign. By the way, I also want to inform you to bring your personal identification to the loan."

"Great, I already have the account of your father's shipyard. I'll go over to collect the loan this afternoon and let you transfer it directly to the shipyard's public account, so I don't have to move it back and forth."

"No problem. Then please sign this first. I still have to go back to handle the formalities. It's just right for you to go over and collect the money this afternoon."

"Row."

Ye Yaodong took the documents and pen she gave him, led her to the table under the tree and sat down. He took out the documents and took a look at them first.

Although it was obvious that the two of them were talking about serious matters, everyone still watched them intently, for fear of missing out on any gossip.

It was because he had too few spare-time activities, and such a young and beautiful girl came to see Ye Yaodong, so everyone's gossip fire was ignited and they wanted to find out some details.

Ye Yaodong ignored the gossips and read the terms of the loan carefully before signing and putting his fingerprints on it.

"Is that ok? I'll go over after work this afternoon."

"Okay, that's all. Come back this afternoon. I'm leaving now."

Shen Ming'e put the documents in her briefcase and stood up quickly, wishing she could escape immediately.

"Okay, it's not appropriate to keep you for lunch, so I won't keep you here. Thank you."

"You're welcome. If you dare to keep me, I won't dare to stay."

She waved her hand, got on her bike and left.

As soon as the people left, everyone gathered around.

"Just leave like this?"

"Let's get down to business..."

"Why didn't Adong go and see them off..."

"Adong, this girl is quite pretty..."

Ye Yaodong glared at everyone, "Look at how useless you are, your eyes are fixed on you, not to mention the little girl, even the aunties don't dare to walk past you."

"Hehe... this is beautiful. It's worth it to look at it a few more times..."

"Yes, good-looking people should be shown to others."

He listened to their agreement and quickly waved his hand to drive them away, "Go away, go do what you need to do. We are just talking about the loan business, there is nothing else, don't let your imagination run wild. If you want to fantasize, put yourselves in each of them and fantasize. Go home and dream..."

“We would like to…”

"I can't even think of it..."

Ye Yaodong walked past them into the house, intending to take out his personal identification first.

Ye's father followed him and asked, "Was the loan approved?"

"Correct."

After hearing this, A Guang hurriedly followed in, "It was approved so quickly?"

"It's been half a month, which is not fast."

"It's already fast. I thought it would take a month. How are you going to get it? Don't you have to bring everyone to the bank to be your bodyguards? And you have to bring guns with you."

"The people in the bank would probably be terrified, thinking I was here to rob the bank."

"It's not much different. You can get a loan of 20 yuan. It's no different from robbing a bank."

"I have already asked for the shipyard's public account in advance. I can just go to the bank this afternoon and ask it to transfer the money to the shipyard's public account. Otherwise, I can't even fit 20 in a safe. If I carry the safe out of the bank, won't I be like a target?"

"It's great that it can be like this." Ah Guang said enviously, "You picked up several boats for nothing."

“I’m going to take the risk, too.”

"What's the risk? With your current income, you can pay it back in just two months."

"The risk I'm talking about is the pressure from my family. My family doesn't know about it yet, but if they do, they'll be furious."

Father Ye said: "That's what you should bear."

Ye Yaodong glanced at his father, wondering who would bear the brunt of the storm.

This is to make up for the early morning update. There may be another one at night, but I can't guarantee it. If I'm too sleepy, I'll update it during the day.