Volume 4: The World of Great Conflict Chapter 0523 Interest Subsidy Loan
After hearing what Nan Yi said, Xian Yaodong immediately realized that he had made a very stupid suggestion.
The matter of Song Jiefang was quickly passed over, and the village committee continued to discuss the issue of interest-subsidized loans.
"Uncle Xian, which unit is the loan issued through? The county cooperative?"
"It seems so. In a few days, the staff of the county cooperative will come to the village. Those who want to apply for loans can directly register and apply with them."
"Uncle Xian, then go to the county cooperative tomorrow to inquire about the nature of this poverty alleviation fund and the attitude of the county cooperative. Are they asking us to do something, or do we have to ask them to do something?"
"Okay, I'll go and ask around tomorrow."
Since 1978, the country has allocated a sum of money for rural poverty alleviation almost every year, which is the so-called interest-subsidized loan. This money is easy to borrow, but not easy to borrow. The difficulty depends on who pays the "interest subsidy".
If it is funded by the upper level, it is easy to borrow the money. If it is funded by the local level, it is not easy to borrow the money.
Nan Yi had heard several stories about this interest-subsidized loan in his previous life.
There was a farmer in the Central Plains named Xu Da Nao Tou. His grandfather was a big landlord. In 1942, the whole Central Plains was almost hit by a disaster. There were so many victims, and their lives were miserable. After eating tree leaves, they ate tree bark, and after eating tree bark, they ate Guanyin soil.
Even in this environment, the Xu family still lived a good life. They used to have eight meat dishes for a meal, but now, due to the tighter regulations, they have changed it to five.
Even such a well-off family could not resist the fact that Xu Dabo's father was a prodigal son. As soon as Xu Dabo's grandfather died, his father went to herd sheep. He would get up early at noon every day, take a few puffs of opium on the kang, and then be carried by the family's human mule to the city for a restaurant.
After eating and drinking, he would find an opium den on the street and take a few puffs. When he felt strong enough to kill a bull, he would go to the gambling den to play a few rounds. If he won, he would go to Xiao Taohong and have fun with her; if he lost, he would still go to Xiao Taohong and ask her to give him a massage to calm him down.
If Xu Dabo's father lives like this, mountains of gold and silver would not be enough to keep him from spending.
Just two months before the land reform work team entered the village, which was the day of Xu Da Nao’s eighth birthday, the Xu family had become the poorest family in the village.
From that day on, Xu Da Nao developed the habit of bragging, especially after the educated youth came to the village. He would brag to the pretty female educated youth, saying that he had eight meat dishes for every meal when he was a child, and that even his urine was greasy.
But the educated youth didn't believe it. Before she even entered the village, someone warned her, "When you get into the village, be careful of a man called Xu Dabotou. He is a notorious lazy man in the village. He is lazy and dirty. If it weren't for the state policy that no member of the commune should starve to death, he would have died long ago."
Xu Da Nao, a bachelor who was not loved by his grandmother and uncle, changed drastically when he was forty years old.
That day, Xu Dabo was in his leaky home, looking at the 39 yuan spread out on the quilt. This money was earned from the sheep he stole from his team. He thought that he couldn't live like this anymore, he had to use the 39 yuan as capital to start a business and restore the Xu family's former glory.
Coincidentally, at this time, the policy of interest-subsidized loans came to their village.
Xu Da Nao gritted his teeth and made up his mind. He exchanged all the 39 yuan for cigarettes and alcohol, and went to the village party secretary's house.
Nan Yi didn't hear the specific details of what happened afterwards, but he only heard that Xu Da Nao used 39 yuan to leverage a 20,000 yuan interest-subsidized loan.
After getting the money, he found two subordinates and formed a small construction team. He did not rush out to find work, but found a small printing factory in the village and printed a few copies of "Quotations from Xu Da Nao". He gave one copy to each of his two subordinates and asked them to recite it every day and understand his spirit.
After his two men had become confused, Xu Da Nao took them to Guangzhou to start a great career.
People like Xu Da Nao Tou are using loans to do business, which just fits in with the original intention of the country's investment in poverty alleviation funds. Nan Yi believes that Xu Da Nao Tou will have a bright future.
Nan Yi also heard a story that there was a village called Jiacun in the northwest. There was an accountant in the village. Needless to say, his surname must be Jia.
Accountant Jia is even more amazing. He is very bold. He is worried that the loaner cannot pay back tens of thousands of yuan. In the future, it is possible that the son will have to pay off the father's debt, leaving a heavy burden for the children.
But he was not like that. He borrowed 300,000 yuan at once. After getting the money, he did not think about doing business. Instead, he built himself a new house first, and then bought himself a car. He drove to the county every day and soon hooked up with a young actor named Gan from the county troupe.
You know what, this little actor is so pretty.
Not long after, the two got married. After the marriage, Accountant Jia still did not do business, but took his pretty wife to eat delicious food and drink spicy drinks every day.
It’s true, these days with $300,000, as long as you don’t gamble or think about investing in business, you can live a life of good food and drink without any problems.
Accountant Jia and his wife were living a happy life, but some people were not happy about it.
A staff member from the village soon found Accountant Jia and gave him two choices: either go into business or pay back the money now.
Accountant Jia is not going to do it anymore. What kind of business is that? It would be so great to have good food and drink every day. But he just won't do it.
When the staff heard this, they decided not to do business and just return the money.
When he heard that he was asked to pay back the money, Accountant Jia started to act like a rogue, rolling on the ground and crying that he had no money at all.
When the staff saw it, they knew there was nothing they could do. This was a piece of tough meat, so they had to leave today and come back next time.
Just like that, a tug-of-war started between the staff and Accountant Jia. Every time, Accountant Jia rolled on the ground crying poor and wanted him to pay back the money, but it was impossible.
The staff member was quite stubborn. He went to Accountant Jia's house again and again until he got his money back.
Accountant Jia was also annoyed by him, so he simply moved to the next village to live alone. This way, the staff could not come to look for him and he could have some peace and quiet.
But when the staff knew that Accountant Jia had moved to the next village, he did not give up and often asked people from the next village to tell Accountant Jia to return to his village to resolve the loan problem.
At first, Accountant Jia would make excuses by saying "I'll be back next week", but after it happened so many times, he got too lazy to make excuses, and when someone contacted him again, he simply stopped replying.
As long as he doesn't spend money recklessly, the three hundred thousand will be enough for him to live a carefree life for twenty years. It will take two thousand years before he has spent most of this money.
But it’s hard to say. What if he suddenly gets the urge to go to India to buy the Shiva lottery, and the same number comes with 100 times the prize, and he wins it?
In the 1980s, he drove a small car. In the 2000s, he took a private plane and loudly announced to the world: "I, Accountant Jia, have never fallen into poverty!"
At that time, he will act like a king returning, and easily pay back the small amount of 300,000, leaving him with several hundred million. He still won't do business, but will just lie down and eat and drink until he dies.
These two stories were heard by Nan Yi from others, so their authenticity is questionable.
Who knows how many people added fuel to the fire during the process of dissemination.
A simple piece of news - Mr. Wang next door lost 5 dollars playing cards yesterday. If this news is spread through five or six people, by the time it reaches the seventh person, it will most likely become that Mr. Wang lost 50 million yesterday.
Even if the number is a little bigger, such as 500 million, there is no need to be surprised.
It's nothing more than a matter of touching the upper lip and the lower lip and the trembling of the tongue. If a number sounds weird but does not exceed the scope of ordinary people's understanding and sounds pleasing to the ear, just say that number.
There is a saying in later generations: the rich are all in the comment section, and the average monthly income per person is one million through short videos.
There is also something like "Laxative, I just came down from the interstellar spacecraft sent from Mars. I have the right to speak about the red romance on Mars. In my opinion, No. 88 is the one who provides the best service. He has a nice voice and doesn't ask for much tips. I only give 8.8 billion each time..."
…
Nan Yi has some ideas about the interest-subsidized loan. He does not expect it to be as incredible as the legend says. As long as the loan term is long enough and the interest rate is low enough, he will mobilize the people of Wenchang to borrow as much as they can.
Of course, the loaned money must be handed over to the village committee for use and repaid by the village committee.
“It may be difficult to implement this.”
After leaving the village committee, Nan Yi was still thinking about the interest-subsidized loan.
Wenchangwei is not like other closed mountain villages. Almost every household here is running a business and knows the importance of cash flow to business. Once they get this kind of interest-subsidized loan, they will definitely choose to keep it in their own hands as cash flow. It is very difficult, very difficult, to ask them to hand it over to the village committee for trusteeship.
Even if a little is handed over, the amount will not be too much and it will not mean much to the village.
Nan Yitong thought about it and decided that the interest-subsidized loan would not be of much help to the village committee, but would be of great help to individual villagers.
"Nan Yi."
As soon as Nan Yi walked to the river, someone greeted him.
"Weizhong, why are you in the village? Aren't you supposed to be busy right now?"
The one who greeted Nan Yi was Xian Weizhong, the son of Ge Cuizhu. Back then, he followed Xian Yaogu to the prairie to sell furs. After two or three years, he had taken root in the fur business.
"The temperature in the northern part of the Great Wall has dropped particularly quickly this year, and the herders are worried that their livestock will not survive the winter. The shipment volume of furs is particularly large this year, and the prices have been driven down a lot. I want to stock up more while the prices are low," said Xian Weizhong.
"I see. Are you back to attend the presentation?"
"Yes, I want to collect more money and stockpile more to bet on the price of fur next year." Xian Weizhong said, handing Nan Yi a big bag, "This is beef jerky I brought back from the grassland. Mom said you're back in the village, so I'll send some over to you."
"It's such a big bag, there are too many. I can't finish it. Just give me a pound to try." Nan Yi took the big bag and filled it up. It was at least ten pounds.
"Not much, not much. I'm also in the beef jerky business, and I have quite a bit at home."
"In that case, I won't be polite." Nan Yi put the big bag under his arm and said, "I'm in a hurry to go back for dinner, so I won't talk to you any more. If you have anything, come to my house to find me. I will stay in the village for three days."
"Nothing, I'll go back and eat too."
Xian Weizhong left very abruptly, and it seemed that he was just delivering something to Nan Yi, not looking for him for something. Nan Yi thought that Xian Weizhong was unlikely to ask him for help, and if he was short of money, he could always look for Ge Cuizhu.
