Rebirth in 1980, the rise of the golden age

After a moment's silence, Li Youcai slowly said, "I'm fine. I haven't formally thanked you for the housing in the hospital's family building. Secretary Ma arranged it very well and was very thoughtful."

"That's good, this way I can feel more at ease."

Bian Jie responded and waited for Li Youcai's next words.

"Then you're busy. I'll thank you in person next time we go to Taihe."

Without waiting for Bian Jie to speak, Li Youcai hung up the phone first.

After taking the microphone out of his hand, Li Youcai rubbed his face hard to make himself more awake.

"Since when did I start to rely on others?"

After waking up, Li Youcai gave up the idea of ​​asking Bian Jie for help.

In his previous life, he had struggled all the way, relying on himself and his brothers.

In this life, even without Bian Jie's help, he can still solve the problem.

Li Youcai picked up the phone and called Pengfei: "Hello, President Peng."

"Mr. Li, you got the news so soon?" Pengfei was very surprised.

"I called you because I have news. Since Guo Weiye doesn't dare to take this loan, I won't apply for a loan from the credit union. We are friends, so I should tell you in advance no matter what." Li Youcai spoke clearly and told Pengfei his decision.

"You're not borrowing from our credit union anymore?"

Pengfei was completely shocked when he heard Li Youcai's words.

Just now he was still racking his brains over how to get this loan, but when he turned around, Li Youcai actually said that he would not lend money to them.

This surprised Pengfei and made him very confused. He didn't understand how Li Youcai could have such an idea in just a few dozen minutes.

Pengfei knew that Li Youcai took out the loan entirely because of the reception building. Now that the reception building had been contracted, it was impossible for him to stop doing it.

"Mr. Li, what exactly happened? Can you tell me clearly?" Pengfei said in a deep voice.

He was unwilling to give up like this. After all, it was rare to get such a large loan.

"It's not that something happened. Frankly, I've never been optimistic about credit unions. If a country wants to develop its economy and businesses want to grow, they inevitably need the support of financial institutions. Lending will become a normal practice, even one of the main businesses of financial institutions."

"But the main business of credit unions is still private savings and postal remittances. Although they also provide loan services, they are not their main business and are subject to many restrictions. Therefore, it is inevitable that credit unions will be replaced by new banking institutions."

"That's a bit off topic. Let me be honest with you. I'm planning to get a bank loan. Compared to the strict rules and regulations of a credit union, a bank's loan business is much more flexible."

Pengfei had helped him before. If Pengfei had not lent him money, there would be no Chunfeng Bakery today.

Therefore, Li Youcai did not want to hide it from him, but told him his thoughts.

Pengfei chewed over Li Youcai's words carefully.

He had to admit that everything Li Youcai said was right. Although the credit union had a large amount of funds, the funds were not circulating smoothly, the business structure was single, the talent structure was also single, the loan issuance procedures were cumbersome, the amount of funds was insufficient, and the monetary settlement channels were not smooth. How could he, a credit union member, not know these old problems?

"Mr. Li, the amount of your loan this time is not small. Although Taihe has two branches, they are not large in scale and are far from comparable to credit unions. I'm afraid they may not be able to take it." Pengfei said.

"If they can't catch it, I'll think of another way. But I feel a little sorry that you've worked in vain this time. I'll treat you to a drink another day." Li Youcai said with a smile.

"Mr. Li, you're too polite. The reason why this loan didn't go through wasn't your fault, but our company's. I can still tell the difference. Since Mr. Li has made his decision, I respect his opinion. We can still cooperate in the future."

Pengfei is not a petty person. Lu Ye is honest with him, so he has nothing to complain about.

After hanging up the phone, Li Youcai completely sorted out his thoughts.

the other side,

Bian Jie sat in the office chair, and he knew very well in his mind that Li Youcai had just called him not to thank him.

But he didn't choose to speak until the end.

"This kid is very proud. It's not easy for him to make this call."

"Little Pony." Bian Jie shouted.

The ** soldiers guarding the door heard the noise and pushed the door open and rushed in: "Leader."

"Go and find out what Xiao Li has been doing recently and whether he has encountered any difficulties." Bian Jie whispered.

"Okay, leader." The ** army responded quickly.

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Hua Xia Agricultural Bank is one of the earliest banks established after the founding of the People's Republic of China. After many twists and turns, it was just reopened in 79.

Like an elderly baby, he is growing up healthily.

Unlike the outdated credit union system, China Agricultural Bank is younger and more radical.

The next day, Li Youcai arrived in Taihe by car.

Standing in front of the door of China Agricultural Bank, which is not very big.

On the blackboard at the door, it was written: 'High interest rates on deposits, safe and worry-free, deposits are welcome'.

Li Youcai walked into the bank door. There was no customer inside, only a few employees with their name tags.

"Hello comrade, are you here to deposit money? We are a state-owned enterprise bank, it is safe and reliable, and the deposit interest rate is high." The female teller saw Lu Ye coming in with a briefcase and hurriedly stood up to greet him.

"I'm not here to deposit money. I want to meet your bank president or the person in charge." Li Youcai said softly.

"You want to see our president?" The female teller looked at Li Youcai carefully and said softly, "Okay, wait a moment, I'll go get our president for you."

The female teller walked through a door and went inside. After a while, she came back, followed by a man in his thirties.

The man was wearing a suit and looked quite smart.

"May I ask who is the president of my bank?"

"Hello, I'm here to apply for a loan. Can we find a place to sit down?" Li Youcai said with a smile.

When he heard about the loan application, the bank president smiled slightly.

Their bank has been open here for almost half a year. Attracting deposits every day is the most important job, but there are not many people coming here to apply for loans.

"Okay, please follow me over here."

Li Youcai followed the bank president into a reception room inside. The space was not too big, but it was decorated quite exquisitely.

"Drink some water, please."

The bank president personally poured a glass of water and placed it in front of Li Youcai.

"Thank you."

"You just said you wanted to apply for a loan."

"Yes, I'm here to apply for a loan. I need to borrow a large amount of money, but I don't know if you can give it to me."

The bank president smiled and said, "Don't worry about that. Hua Xia Agricultural Bank is a state-owned enterprise. As long as your conditions meet our lending requirements, we will lend you money. How much do you want to borrow?"

"One million." Li Youcai said softly.