Volume 3 Summer Rain Chapter 0315 Wenchang Old Story
While Nan Yi was drafting the Wenchangwei Association Charter in Wenchangwei, Liang Huiwen organized a takeover in Xiangyuan. Nanguo Bank merged with a company called Dawenhan Investment, and incorporated the company's boss Ma Shimin.
Or it can be said that the purpose of attracting Ma Shimin's talent was to incorporate his company.
In 1960, Simon Murray, a French citizen, joined the French Foreign Legion in Marseille, France at the age of 20 and served for 5 years. He was stationed in Algeria and retired in 1965.
After retiring, Ma joined Jardine Matheson and worked in the Far East, starting from the bottom, selling air conditioning systems and elevators. After working for 14 years, Ma left Jardine Matheson and formed Davenham Investments with his partner.
If the normal course of events had been followed, he would have been recruited by Li Tongban and become the managing director , but Nan Yi took a fancy to his ability to manage a bank and recruited him to be the president of the Xiangkeng branch of Nan Guo Bank.
The term "branch" is a bit pretentious, as the Nan Guo Bank now only has a head office that is also a branch. Therefore, Ma Shimin is now the actual boss of the Nan Guo Bank, but in name it is called a "branch".
With the joining of Ma Shimin, Southland Bank is getting back on track.
The first task that Nan Yi asked Liang Huiwen to assign to Ma Shimin was to set up an investment company under the Nan Guo Bank - 1984, commonly known as Gong Fu Hui. This company was to be officially established in Shencun on January 1, 1984.
It is impossible for Bank of South China to enter the mainland now. Before the mainland proposes the "WTO" strategy, financial enterprises will never be able to enter the mainland. Even if they come in, they will not be able to perform their original functions.
1984 was the first year of the establishment of mainland companies. At the end of 1983, Nan Yi had already sensed a "going into business" trend sweeping the country, and going into business had become a trend that everyone was vying to catch up with.
The meeting drafted by Nan Yi is called a bidding meeting in some places, or a printing meeting in others. In legal terms, it is also called a joint meeting.
The initiator of the meeting, that is, the organizer [Nan Yi] is generally called the head of the meeting, and ordinary members are called members of the meeting.
The head of the association is responsible for the collection, registration, collection and bidding of membership fees of all members, and is responsible for handing over the full amount of each remittance to the members, otherwise he will be liable for compensation.
In return, the head of the club does not need to bid. He can take out one of the two membership fees paid at the first meeting by all members at one time and use it. He only needs to return the principal to everyone. Members must pay the agreed amount within the agreed period.
The tradition of Chenghui has a long history. In ancient times, when ordinary families needed money urgently for "building a house, getting married" or other weddings or funerals, but had no other ability to obtain financial resources, they would initiate a Chenghui to solve the urgent financial needs and a group of familiar people would help each other.
A presentation meeting is a primitive mutual aid folk financial activity. For example, if 10 people participate in a presentation meeting and present 1,000 yuan, each person contributes 100 yuan, and a draw is made to decide who the 1,000 yuan will be presented to first, or whoever is in urgent need of the money will be presented to first.
There is usually a host for a meeting, who determines the order of the meetings by drawing lots or other means. For example, if it is a 1,000 yuan meeting, those who received the meeting money last month will pay a monthly membership fee [100 yuan + interest], and those who have not received their turn will only pay the meeting money.
Another way is that each party determines the order and time of collection in advance, and the collection fees are reduced in order of collection time. The person who collects the fees last pays the least, which is regarded as interest compensation.
From the second month onwards, the leader of the club will go to each place to collect the club money and give it to the person whose turn it is. This process is called "drawing club money". The process of presenting [collection] and drawing [payment] is the way to accumulate funds.
To explain it in simple terms: 10 people, each contributes 100 yuan, and the total is 1000 yuan. They draw lots to decide which of the 10 people will get the 1000 yuan first for one month [usually one month]. After one month, that person returns the 1000 yuan plus interest, and the money is then given to the next person.
Once everyone has had a turn, the meeting will be over. Those who do not need money can withdraw, and those who still need money can stay and organize a new meeting.
However, the method of drawing lots is no longer suitable at present. If we want to hold a meeting now, we can only decide who will get the money first through bidding.
They would come together to bid, you offer 1% interest, I offer 2%, whoever offers the highest interest can use the money first. The further back you are in the queue, the lower the interest, and those at the end may not need to pay interest, or even have to pay interest.
The money is not used in vain, it has to pay interest, which means it will generate profit. Of course, this profit will be divided among those who contribute money. 1,000 yuan will become 1,100 yuan after 10 months, so each person can take 110 yuan.
Nan Yi initially wanted to set up an entrepreneurial fund for Wenchangwei, with the village committee taking the lead and public funds from the village invested. Anyone in the village who needed money could apply, and after approval by the fund, the money could be taken away. Upon maturity, the principal plus a little interest would be returned.
But if you think about it carefully, this approach is simply not acceptable. Farmers are not as simple as those who praise them, nor as bad as those who criticize them. It can only be said that the land in the countryside is slippery and the people are quite complicated.
If it is the village's public funds, it will breed corruption and make it impossible to get the money back.
If you borrow money from others, the villagers may pay it back, but it is very likely that they will not pay back the village’s public funds, and this possibility is not small.
"I also have a share of the village's money, why should I pay it back?"
There will definitely be people who hold this idea. Once there is one, one will give birth to two, two will give birth to three, and so on and so forth.
Things that are beneficial to oneself are easy to connect with others.
It is very difficult to maintain an entrepreneurial fund, and you need someone to play the bad guy and go to the homes of the villagers who owe you money to get the money back.
Nan Yi thought about it and thought that he was the most suitable person to play the role of the black-faced man.
What the hell is going on? Nan Yi is humble and chivalrous, how could he be such a bad guy?
Even if the seas run dry and the rocks crumble, Nan Yi's good character will not change.
Out of 24 hours in a day, he has to spend 48 hours thinking about the development of the world. For every grain of rice he eats, he has to recite the names of all the starving children in Africa.
Even if he gave birth to a son, it was not for the purpose of inheritance, but for the sake of human reproduction and adjusting the population structure so that everyone could reap the fat demographic dividend.
In the study of Nan's house, Nan Yi was drafting the regulations. Suddenly, his right eye was dazzled and tears soon overflowed. He raised his head to look in the direction of Africa, sighed with a broken heart, and quickly picked up the broom beside him and swung it upwards, sweeping down a spider and its web.
"It didn't even bother to make a high web. It got into my eyes." Nan Yi angrily stepped on the spider to death and swept the body into the dung basket with his foot.
The lighting in the south house is not very good, and the whole house looks dark. It is located in the countryside, with a lot of water and plants around it. There are mosquitoes and flies in the summer and all kinds of insects in the winter. Spiders naturally like to come into the house to weave webs.
Nan Yi was busy for a long time and finally finalized the rules for the meeting. He also designed multiple ways of presentation, including emergency monthly presentations, quarterly presentations, and annual presentations, which can deal with various short-term, medium-term, and long-term financial shortages of villagers.
In every meeting, the village committee will participate as a participant and will be the last participant to spend money by default.
The village committee is not purely for the villagers' contribution to the meeting. Before conceiving the meeting, Nan Yi also thought of a business, which is a bridge loan.
A bridge loan, also known as a bridging loan, means that after financial institution A obtains a loan project, it is unable to operate due to a temporary lack of funds, so it negotiates with financial institution B to ask it to help issue funds. Once the funds from financial institution A are in place, financial institution B will withdraw.
For B, this loan is a so-called bridge loan.
In the mainland, the main financial institutions that play the role of Financial Institution A are policy banks such as China Development Bank, Export-Import Bank of China, and Agricultural Development Bank of China, while the main financial institutions that play the role of Financial Institution B are commercial banks.
Generally speaking, a bridge loan is a short-term loan, which is a transitional loan. A bridge loan is an effective tool to directly capitalize the purchase opportunity, and the fast recovery speed is the biggest advantage of a bridge loan.
The term of a bridge loan is relatively short, no longer than one year, and the interest rate is relatively high. It is secured by some collateral such as real estate or inventory. Therefore, a bridge loan is also called "bridge financing", "transition financing", "gap financing" or "revolving loan".
These are just the superficial definitions and explanations of bridge loans.
In fact, the operating model of bridge loans with relatively high profits and short repayment periods is to provide bridge funds to loan companies.
Company A owes Bank B a loan of RMB 100 million, which is due for repayment in the near future. However, Company A's funds are occupied and the loan cannot be repaid. Company A will negotiate with Bank B [person in charge] to postpone the repayment of the loan.
However, delayed return will reduce the credibility of Company A and make it difficult for "Bank B".
Bank B will then actively/passively introduce a "bridge fund" which is used to repay the loan of Company A. Company A needs to pay interest and an "introduction fee" to the bridge fund and "Bank B".
As the saying goes, if you borrow and repay, it will not be difficult to borrow again. Once the previous loan is repaid, the next loan will be easier to negotiate. Bank B will lend another sum of money to Enterprise A.
Generally speaking, before the bridge funds help repay the loan, Bank B has "privately" made it clear that it will lend a new loan to Company A, and the bridge funds will be directly transferred from this new loan.
For bridge financing, this kind of business risk is very low.
Moreover, this kind of operation is a win-win situation. Everyone is happy and, at first glance, it does not harm anyone's interests, either public or private.
If we break down this closed loop, it is nothing more than Company A being unable to repay the loan, so it borrows money from someone else to repay it first, and then takes out a new loan to repay the party that lent it the money. There is nothing wrong with that.
As time goes by, there will be more and more idle funds in Wenchangwei. If the idle funds are used to do this kind of business, the funds can be doubled every year initially. As the amount of funds increases, it can also guarantee a profit of 30% to 50% a year.
When the time is right, Wenchangwei can also establish a financial institution, even Wenchang Bank.
This kind of business has high profits and low risks, but the difficulty is that the threshold is very high, and not everyone can do it. This is also the commonality of good businesses. Good businesses are often not something that everyone can do, and they will only become the private domain of a few people.
This threshold is not a problem for Wenchangwei. There is a thin woman in the capital who can be considered half a Wenchangwei person. Through her, Wenchangwei can still get in touch with some people.
Putting the prepared regulations in his pocket, Nan Yi walked towards the food factory again.
Although today's food factories are still called factories, their scale is already quite large. This scale does not refer to the scale of workers, but the scale of products.
We started out by making hawthorn slices and fruit leather, then expanded to making various figs, and then entered the sugar industry to make various types of sugar.
Umbrella candy, which looks like an umbrella and is similar to sour tricolor, but comes in a variety of colors; lollipop, which is the kind where the candy is hidden in a plastic stick. When you finish eating it, the plastic stick is covered with teeth marks;
There is also orange candy, which looks and tastes similar to oranges. Of course, don’t expect that there are real orange ingredients in it. It is made with pigments and sweeteners.
In addition, alphanumeric biscuits, umbrella cakes, sour plum powder, lemon slices, etc. have been successfully developed and are being scheduled to be put on the production line and put on the market.
The food factory's laboratory is also researching a children's nutritional oral liquid that contains various precious Chinese medicinal materials. It can prevent polio, improve children's intelligence, enhance immunity, etc. Anyway, the effects can be piled up as needed.
Of course, according to Nan Yi's consistent principles in life, he never plays tricks with what he has or doesn't have. He only plays with the dosage. If he says something has some effect, it must have some effect, but this effect may require drinking a little more oral liquid to be truly exerted.
For example, ten thousand tons!
In addition to Nanbaba Children's Nutrition Oral Liquid for children, the laboratory is also developing Mrs. Liu's Beauty Oral Liquid for women as the consumer group, Heixin K for young students, Naoyoujin for the elderly, and two products, Sanjiu Oral Liquid and Wangba Pills, for all age groups.
These are just the products we have prepared now. We will continue to expand our product line in the future, and we may launch products such as Universe No. 1, Moon God, Black Ant, and White Spider.
Of course, these products will not all be launched under the name of Wenchangwei. They will be scattered all over the country and operated by agents In short, Wenchangwei must reap the biggest chunk of the fat meat of health care products, which is so easy to collect.
Anyone who comes to interfere will be driven away immediately.
Nan Yi has started planning now, building a sales network through the food factory's channels. When the time comes, he will invest hundreds of millions of dollars to see who can come out to compete. Whether there's food to eat or not will all be decided by Nan Yi, and everything will depend on his opinion.
Of course, the cunning Nan Yi would definitely not block the road and not give anyone a single bite to eat.
Even the most popular and well-known health products are unlikely to belong to the Wenchang system. You can take the false reputation and be the richest man, but Wenchangwei just needs to make money quietly.
Papa Nan and Mrs. Liu, these two brand names that Nan Yi has temporarily chosen for his own good taste, if they are really used, he will make sure that the products of these two brands are made of genuine materials and become a breath of fresh air in the health care products industry.
After taking a quick look at the food factory and enjoying the future, Nan Yi went to the village committee again.
"Jimin, bring this year's account book here so I can see it." When he arrived at the village committee, Nan Yi said to the village accountant Xian Jimin.
"etc."
Xian Jimin responded, went to open the safe, and placed a stack of account books in front of Nan Yi.
"calculator."
Nan Yi asked for a calculator and did the math while looking at the account book.
He continued to do the calculations until the evening, and when he finished looking through the account books, his face turned very ugly.
Xian Jimin, who had been accompanying Nan Yi, saw Nan Yi's face fall, and asked: "Nan Yi, what's wrong? Is there something wrong with the account book? This shouldn't be the case?"
"What did you do? There is a difference of 1 cent and 2 cents between the two accounts. Be more careful."
"Just... 1.2 cents?" Xian Jimin stuttered, his face turning pale.
Anyone who has worked as an accountant or has some knowledge of accounting knows that accountants are not afraid of a difference of tens of thousands or hundreds of thousands, but are afraid of a difference of one or two cents. If the difference is large, it is definitely because an item was missed or an item was recorded too much. If the difference is small, there is only one reason - the calculation was wrong.
We are not yet computerized, and manual accounting does not allow for review and modification. If you scribble on the account book, what's the matter? Are you trying to cook the books?
The only option is to overturn the previous accounts and recalculate them, which is a lot of work.
"Take a look for yourself." Nan Yi pointed at the two account books, "Did you make a mistake in the calculation?"
"You are really wrong. It's over. I won't be able to sleep for the next few days."
"It's almost time to close the accounts. Hurry up and inform the tax office and show them the account books. Don't let anyone catch you with your small flaws. I don't want the banners to be gone next year." Nan Yi said, pointing to several banners on the wall that read "Tax-paying and Honest Merchants."
"Okay, okay, I understand." Xian Jimin nodded quickly.
After talking to Xian Jimin, Nan Yi asked Xian Yaowei for a withdrawal slip, filled in the amount and reason for withdrawal, and received two thousand yuan from Xian Yaowei.
There has to be someone on duty at the village committee every day. Today is Xian Yaowei's turn. The person on duty has to stay overnight in the village committee. Coincidentally, Xian Jimin couldn't leave either, so the two of them had company.
When he walked out of the village committee, it was already eight o'clock in the evening. It was impossible to go to the cafeteria to eat at this time, so Nan Yi could only walk to the agency store in the village.
"Auntie, do you have instant noodles?"
The agency store in Wenchangwei is run by the women's director Niu Aihua. Since last year, she has also been taking on family planning work, and her life is not easy.
"Yes, Guanshengyuan and Huafeng Sanxian Yimian have them. If you want instant noodles from Xiangdeng, Nissin has them too."
"Aunt, could it be that the fire broke out?"
"How could that be possible? It came in through formal channels. There are people in the city doing this import and export business."
"Please help me get five packs of Sanxian Yi Noodles. Auntie, don't add any seasoning, just some salt and MSG."
"Okay, I'll put some more vegetables for you. There's also meat at home. Do you want me to cut some for you?" Niu Aihua said.
"Forget it, just put some greens in it."
Instant noodles at that time were not very convenient. They had to be cooked. They were not tasty at all if soaked in hot water. Liu Zhen ate so much on the train because she had never eaten it before and because she was hungry.
Last year, she wanted to reminisce about the past, so she made a bowl of egg noodles. But after taking just one bite, she didn't want to eat it anymore and kept saying it was unpalatable.
Almost every household in Wenchangwei uses gas stoves and kerosene stoves, and there are also earthen stoves, but few people use coal stoves. This is not because Shencun lacks coal. The Quren Mine is not far away, and it also supplies coal to Shencun in a targeted manner.
However, coal stoves are not convenient to use and do not save much money, so most villagers still use earthen stoves as the main stove and gas stoves as the auxiliary stove.
After a while, Niu Aihua came over with three big bowls of instant noodles. There were not only a few spinach leaves on the noodles, but also two poached eggs, which were obviously runny.
"Nan Yi, try these free-range eggs from the reclamation team. They are laid by free-range chickens and have never been fed with feed. They taste better than the ones you raise at home."
"Then I'll try."
Nan Yi picked up the egg, brought it to his mouth, and sucked the yolk into his mouth first. It was sweet and had no fishy smell.
"I can't really tell the difference. They're not much different from the local eggs at home. Auntie, are these eggs from the batch that the Reclamation Group sells to Xiangkeng and Japan?"
"That's what Cuizhu said. Every family in the village got ten eggs so that everyone can try them. If you want to eat them later, you won't be able to eat them anymore. They have to sell them quickly. They say they sell them for a dollar or a few cents each. These eggs are delicious, but they are too small."
"Ha, then I have to supply Auntie. There are ten eggs in total, and this is six of them. Tomorrow I will go to Auntie Cuizhu and get my and Liu Zhen's share as well."
"She's not here. She's at the eel farm. There are Japanese guests coming to see the fish, and she has to entertain them."
"Hmm? You come to see the fish so early in the morning. It will take a long time for our fish to be ready for sale, right?"
"I don't know about that."
Nan Yi thought that he probably made a reservation in advance and would take time to visit Japan's eel breeding base when he returned to Tokyo to see if the breeding scale had shrunk.
The difficult part of eel farming is not selling it, as the Japanese are open to buying. The difficult part is raising it. If a pond of eels dies, the loss is millions, and years of hard work will yield nothing.
It is difficult to have an oversupply of farmed eels. It requires a large investment and involves great risks. If one raises eels individually, he or she will certainly have to go into debt. If the eels are spoiled once, it will take a lifetime to recover.
Those who have the capital to invest have better businesses to choose from, and few would look at eel farming.
This is a little-known business that is difficult to promote.
In later generations, eel farmers could earn tens of millions from a single harvest, and over 100 million for large-scale eel farmers. But if something went wrong, they could lose everything. They had to deal with all kinds of risks, such as fish plague and typhoons.
It is easy to have assets worth over 100 million in one second and be heavily in debt in the next.
Let’s not talk about others, just take the Reclamation Group as an example. If they fail once, they will have to tighten their belts and live a frugal life.
That was why Nan Yi had sent people to Japan and South Korea to learn. Moreover, for this first breeding, the investment of the reclamation group was not large, aiming to let everyone get familiar with it and accumulate some experience first.
Nan Yi and the other two huddled together at the table, slurping noodles. Only one person came to the agency store to buy a pack of cigarettes, and then no one else came.
The business of agency stores in rural areas is not very good to begin with. The most sold items are needles, thread, take-out cigarettes, soy sauce and the like. Unlike other places, Wenchangwei has a separate tea room for the elderly, where older people go to drink tea and kill time.
No one drinks tea or gambles in the agency store. Plus, there is a food factory there and they give some of their own products to children every month. Naturally, no children would come to the agency store to buy snacks, so it is normal that business is not good. The agency store in Wenchangwei naturally truly plays its role of convenience for the people.
Nan Yi had just put down his chopsticks when he heard the roar of motorcycles. From the sound, they were two Jialing 70s. A new car cost a little over four thousand yuan, but you usually can't buy it at this price. You have to pay more. The actual price is about five thousand five.
"Aunt, are there many motorcycles in the village now?"
"There are quite a lot. As soon as you said that everyone could buy cars, almost all the young people bought them. There are motorcycles, boat cars [light motorcycles, scooters]. Wenchangwei has shown its power. The young men in the village don't have to worry about finding wives. Some of them are restless and often bring girls back."
Nan Yi smiled lightly, a little disapproving.
People say that this era is conservative and simple, and some people say that it is easy to get married in this era. These are actually wrong perceptions.
72 legs and three major appliances, it is still difficult for an ordinary office worker to achieve. Getting married still costs several thousand dollars. With an annual income of less than one thousand dollars, how many years will it take to save several thousand dollars?
In later generations, there are many people with an annual salary of one hundred thousand, but how many of them can have a savings of three or five hundred thousand?
When most young people get married nowadays, their whole family still has to go back to the days before liberation. The mother-in-law these days is just as greedy, but the questions they ask are, first, "Do you have a house and a car?" and second, "What unit do you work for?"
It's not so bad in the countryside. If the couple is poor, the bride's dowry will include a washbasin stand, a toilet, and a few quilts. If it looks shabby, she can still carry two loads of rice and a couple of chickens, and that can be fooled.
As for the man, he can add a cover to the bed so that the rice straw fragments and dust in the attic will not fall directly on the quilt. He can smooth the yellow mud on the ground and paste some lime water on the wall. No matter what he uses, he can create a new room and live a decent life.
As long as she can separate from the family and live on her own as soon as possible and no longer be a mistress under the nose of her mother-in-law, the bride will be very satisfied.
…[The following is just nonsense, it has little to do with the main text.]
Spend a year happily as a new bride. If there is no movement in the belly, then be scolded; if there is movement, then spend another year happily as a pregnant woman.
When the baby is born, if it is a boy, happiness can continue; but if it is a girl, it is hard to say. She may have to scold and beat her, or she will have to prepare to give birth to another one. Haha, then the family’s little belongings may not be able to be kept.
Once you have one or two kids, you can no longer live for yourself in this life. You have to bend down and work hard, break your spine, and pay tuition and education surcharges. The bad guys don't study hard in school, and go to the city to watch videos, and they still watch "Chinese inserts".
The husband beats her, the wife cries and screams, but the child remains calm and fearless, imagining himself as a martyr on his way to the execution ground, with lofty ideals, shouting in his heart: "I will never end up like my parents."
Twenty years later, I called my parents with a guilty conscience and said, "Mom and Dad, I'm still tens of thousands short of the down payment. Can you please..."
Thirty years later, seeing you worrying about the medical expenses, your mother comforted you and said, "Son, let's not treat you. It's a waste of money..."
In the hospital corridor, you can only punch yourself hard twice!
