Chapter 731 Investment
Shen Yuanjie spoke very logically. After all, he was a junior college student from the third batch and had also been a leader of an agricultural machinery factory.
Qin Zhengguo nodded and asked him in a friendly manner how much money he needed to borrow.
"My budget is 100,000, but I don't need that much at the beginning. 50,000 or 60,000 should be enough. Right now my own savings plus the money my family has put together is less than 10,000. If you can lend me 30,000, it will be enough. If it is convenient, 50,000 would be even better."
"Then how long do you plan to borrow it for?" Qin Zhengguo didn't agree immediately for the sake of their relationship. Instead, he asked another question.
"About half a year, or at most a year, and then I can pay you back with bank interest." Shen Yuanjie had thought about this question before he came and answered quickly.
"Let me ask you another question. The amount of money you are borrowing is not a small amount. If you are a self-employed person, the money you have raised before is enough. If you borrow so much more, what are your plans for such a large sum of money? Are you going to contract a factory? Or...?"
"Haha, it's true that I came from an agricultural machinery factory. I've been engaged in agricultural machinery production for many years, so I'm not unfamiliar with the technology. But I've never thought about contracting a factory. It's not easy to work in a factory. Don't be fooled by those factory directors who look impressive from the outside. Unless it's a large state-owned factory, the leaders of general collective enterprises know their actual hardships. Otherwise, our factory wouldn't have been merged because it failed."
At this point, Shen Yuanjie glanced at Qin Zhengguo and continued, "You are not an outsider. It is reasonable for you to ask these questions when I borrow money from you. I borrow this money for business, not for contracting or individual business. To tell you the truth, I plan to set up a trading company and then go there to do business..."
As he spoke, Shen Yuanjie stretched out his hand and pointed in a direction. Qin Zhengguo was stunned for a moment and looked at him with some confusion.
"To the north, on Big Brother's side." Shen Yuanjie reminded.
"You want to do business over there?" Qin Zhengguo was stunned. He naturally knew the big brother in the north, but the relationship between the two sides was not very good in the past few years, and there had always been conflicts, which had only gradually eased in recent years.
But the problem is that the exchanges between the two sides have just been resumed, and there has been no exchanges for so many years. Qin Zhengguo really , and his memory is still about things that happened a long time ago.
"Yes!" Shen Yuanjie nodded and said, "You also know that I used to work in an agricultural machinery factory. The earliest equipment used in our factory came from Big Brother, and most of the agricultural machinery we produce is also based on Big Brother's products."
"From this point of view, I have some understanding of the situation over there. In addition, I went to the north on behalf of the factory a few years ago, so I know more about the situation in the north than ordinary people."
"After the agricultural machinery factory closed down, I was also thinking about what to do in the future. I went to Fenhe County more than a month ago. Do you know this place?"
"Fenhe County? It sounds familiar..." Qin Zhengguo thought for a moment and asked, "Isn't it in Mudanjiang? A county town where the two sides meet?"
"Yes! That's it!"
"What's going on over there?" Qin Zhengguo asked again.
Shen Yuanjie did not hide it and immediately explained it to Qin Zhengguo.
He had some understanding of the situation of the big brother in the north. He had been there once as a representative of the factory and the leader of the system. After coming back from that time, he had a deeper impression.
He had told Qin Zhengguo before that it would not be difficult for him to find a connection to change his job, but this was not the result he wanted. He was not young anymore, but this was the result of his busy life. Now he wanted to change his way of life, a way he wanted to live, not the same way as before.
It was this idea that made Shen Yuanjie think about starting his own business. Coupled with his understanding of the big brother in the north, he felt that this was a way forward.
Compared to being a self-employed individual, the risk is definitely greater, but Shen Yuanjie made a special trip to Fenhe County more than a month ago and conducted a long field investigation there before making the decision.
Because of the developed has always neglected the light industry, resulting in an unbalanced structure, which has led to its strength in cutting-edge fields but poor performance in people's livelihood.
In particular, supplies related to the lives of ordinary people are in short supply. Many people have money but cannot buy anything. Even buying daily necessities such as bread requires queuing.
Over there in Big Brother, it is very common to see queues in those shops on the street. Many people are either queuing or on their way to queue every day. This shows their shortage of supplies.
Shen Yuanjie had a good eye and he noticed this keenly. Moreover, during his visit to Fenhe County this time, he also discovered that there were many Russians crossing the border to Fenhe. Every time these people came, the first thing they did was to go straight to places like the supply and marketing cooperatives and department stores, and then spend the last copper coin in their pockets to buy many things, big and small, even toothpaste and toothbrushes, and then return happily with their bags bulging.
Shen Yuanjie conducted field research for a period of time and made friends with several Russians on Big Brother's side. He chatted with them a lot in the language he had learned before.
After this inspection, Shen Yuanjie decided to register a trading company in Fenhe County, and then purchase a batch of goods from the south to sell in Fenhe County. As for the customers, needless to say, they are naturally the people of Big Brother . He made detailed plans and preparations for this business, and he will definitely make a lot of money.
"I've calculated that the profits here are very huge, and I've already negotiated with a few people on the other side. I can sell it to them as soon as the goods arrive. I can settle it in rubles, or exchange it for other goods. It only takes half a year for me to gain a firm foothold, and there will be absolutely no problem paying back the money."
Shen Yuanjie said this confidently, but Qin Zhengguo was a little surprised. He never thought that what Shen Yuanjie meant by doing business was actually such a business.
But if you think about it carefully, combined with what Shen Yuanjie just said, if what he said is all true, this is really a way to make a fortune.
No wonder Shen Yuanjie is so confident. Qin Zhengguo couldn't help but admire him for being able to figure out such a business channel that is different from others. It would be really good if he could really do it well.
"Brother Shen, you've explained it so carefully, aren't you afraid that I might steal your business? If I don't lend you the money and send people to Fenhe County to steal your business as you said, what will you do?"
"Won't!"
"No? That's not necessarily true. Do you trust me so much?" Qin Zhengguo joked with a smile.
Shen Yuanjie also laughed and said, "It's not a question of belief or not. This business is a good one in my opinion. If it's done well, it's indeed profitable. If it were someone else, I would never tell anyone about it. I didn't say a word about borrowing money from relatives and friends this time. If others knew about it, I would be asking for trouble."
"But you are different, Zhengguo. You are a big boss from Hong Kong. I have asked my cousin and Xiao Liuzi. You have a big business in Hong Kong and Pengcheng. There are thousands of people in the factory in Pengcheng alone, not to mention other businesses."
"Tens of thousands of dollars may seem like a huge sum to ordinary people like us, but it's nothing to you. You run such a big business, and you still look down on a small business like mine? Isn't this a joke? Besides, I'm asking you for a favor this time. If I don't explain things to you clearly, you won't believe me. Do you think what I said makes sense?"
Qin Zhengguo burst into laughter as soon as he heard this. What Shen Yuanjie said was absolutely right. Although Shen Yuanjie's business idea was indeed good and would definitely make money, with a high profit, it was not very attractive to Qin Zhengguo.
Even if Shen Yuanjie's business is successful and he can earn tens of thousands or even hundreds of thousands of dollars a month, in Qin Zhengguo's eyes, this money is nothing.
Shenghua Group's daily profit is much more than this, and it is an astronomical figure in a year, not to mention that Shenghua Telecom is developing so rapidly now, and the profit brought by each project is extremely considerable.
Why not make big money and focus on these small amounts? Qin Zhengguo is not stupid, and he doesn't have the energy to do these things.
But then again, it was because of this that Shen Yuanjie did not set any ambush and told Qin Zhengguo about his ideas and plans. His purpose was to make Qin Zhengguo feel at ease and lend him money.
I have to say that Shen Yuanjie is a person with meticulous thinking and a clear mind.
Qin Zhengguo really admired him for this. It was not easy for a middle-aged man who was almost forty years old to have such courage and vision.
Originally, Qin Zhengguo had arranged to meet Shen Yuanjie today. He just wanted to meet the other person and chat with him. As long as the other party was not too unreliable, he would definitely lend the money. After all, he had to give face to his younger brother and sister-in-law, and this amount of money was nothing to Qin Zhengguo.
But unexpectedly, Shen Yuanjie gave him a surprise. It was a pity that such a talent had been stuck in the agricultural machinery factory for so many years. Moreover, their current leaders had no vision. If he were their leader, he would definitely not let him take a leave of absence without pay. He would directly reuse him and put him in a suitable position so that he could play a greater role.
"Your idea is good, but have you considered two questions?"
"You say."
Qin Zhengguo asked: "The first is the product problem, and the second is the local relationship. How do you solve these?"
Liaodong is different from the interior. Compared with the open south, it pays more attention to regional relationships and personal connections. To put it bluntly, everything here depends on relationships, and local protectionism is serious. It is difficult to get things done in a new city if there is no one there.
If it was in Andong, Qin Zhengguo would not ask these questions, but Shen Yuanjie was going to Fenhe County. Although both were in Liaodong, the two places were far apart. How could he, an outsider, succeed in going there when he was unfamiliar with the place?
Shen Yuanjie told Qin Zhengguo not to worry about this. He had already thought about the products, that is, the source of goods. Most of the goods can be purchased in Anton or Fengtian. He also has channels in Bingcheng. They are mainly daily necessities and some alcoholic beverages, which are easy to sell there.
If you want better clothing, you have to go to the interior of the country or even the south, which is not a difficult thing.
As for the second question raised by Qin Zhengguo, Shen Yuanjie smiled and said, "I have an old classmate who is the deputy county magistrate of Fenhe County."
As soon as these words came out, Qin Zhengguo laughed.
Qin Zhengguo told Shen Yuanjie that it was no problem to borrow money, and he could directly lend Shen Yuanjie 100,000 yuan.
I had just started my business and needed a lot of money. Moreover, Fenhe County was far away from here and the only way of transportation was by rail. Qin Zhengguo's home was on the railroad. In addition, he had dealt with the railroad before when he was doing clothing with Song Yuanchao. He knew better than anyone how much stuff could be loaded in a railway carriage.
With more capital, you can handle many things. Since you have agreed to lend me money, just be generous. There is no difference between borrowing 50,000 and borrowing 100,000 for Qin Zhengguo. Why not take this opportunity to make a good relationship?
Just like that, Qin Zhengguo agreed to lend him 100,000 yuan, calculated based on the normal bank interest rate, and gave him a loan term of one year.
In addition, Qin Zhengguo told him that if he needed some light industrial products, especially clothing, and had difficulty purchasing them in his own province or neighboring provinces, he could contact him. He, Qin Zhengguo, had some connections in Yangcheng, Pengcheng, Shanghai and even Yanjing, and could help him solve some supply problems.
This was a complete surprise for Shen Yuanjie. He never expected that he could not only borrow money today but also gain the favor of Qin Zhengguo, who specially helped him introduce a more suitable source of goods.
He was very grateful to Qin Zhengguo for his help. Even when he left the hotel and was on his way home, Shen Yuanjie still felt like he was in a dream, with waves of excitement and joy in his heart.
