382. Financing
The financing plan is underway soon.
The people who invest in the company are all farmers, and no one can do this at all.
However, Zhang Xiaomei helped Niu Dapao make information. Although she didn't know finance, Niu Dapao had built so many companies by traveling through time, so she could naturally be familiar with it.
If you want to make a loan, you have no other way than mortgage.
The cattle cannon mortgaged is this hundreds of meters of river farming project.
After completing the information, Niu Dapao and Zhang Xiaomei began visiting each other one by one.
The attitudes of state-owned banks are basically the same, they are all evaluated in large quantities, and the number of loans is not very large. After all, the prospects of this breeding project are floating. If you do it well, you can earn it. If you do it badly, you will lose your life.
Therefore, the final loan amount determined by several major banks does not exceed 3 million.
It is probably impossible to get the normal channels, and Niu Dapao will definitely not do it by following the wrong path. This breeds corruption style and is really a crime.
Therefore, Niu Dapao finally chose to take the commercial banking path.
The interest rates of commercial banks are generally higher, but their loans are bolder. As long as they feel that there is something wrong with it, they will do it.
The first one to come up with was Rongcheng Commercial Bank.
After reading the information and a project plan specially made by Niu Dapao, Tao Hong, the manager of the marketing department of the bank, became very interested in Sanduocun.
"Captain Niu, I am very interested in your plan. I decided to go to Sanduo Village in person and conduct a field visit. Village Chief Niu, are you happy or not?"
Niu Dapao laughed and said, "Manager Tao, there is naturally no problem. There are many difficulties and uncertainties in the development of the rural economy. However, our integrity is absolutely no problem. State-owned banks are skeptical about our future, so their loans are very small. I hope that Manager Tao can have a big mind and ambition, and bring development opportunities to Sanduo Village."
"Haha, Village Chief Niu is worthy of being the village chief. He speaks one by one. I admit that the banking system considers it naturally to reduce risks. After all, this money is not wasted. The operation of capital needs to be continuously expanded. Only when you make money can we make money. So, I am still optimistic about your project. In addition, I think your project has the conditions for expansion. So, I am moved."
Tao Hong said.
On that day, Tao Hong drove to Sanduo Village with Niu Dapao for inspection.
Not to mention, this scale did make Tao Hong feel a little shocked.
The lotus leaves floating on the water also made Tao Hong feel warm.
"Manager Tao, this bamboo basket is all farmed rainbow trout. According to the current market price, each kilogram of rainbow trout can be sold for 40 yuan. However, the water quality of our Sanduo River is very good. The quality of rainbow trout in the future will definitely exceed that of rainbow trout in other regions. Therefore, it is possible to sell for 50-60 yuan. I have only raised 110,000 rainbow trout now, and there will be no problem to make a return. This piece is freshwater shrimp and crab, and I plan to expand the scale and start a turtle farming."
Niu Dapao was giving an enthusiastic explanation, "The hundreds of acres of paddy fields here have been contracted. In the future, it will be used as a professional lotus root base and will also raise some freshwater fish, shrimps and crabs."
Tao Hong nodded constantly.
According to Niu Dahuan's explanation and Tao Hong's own calculations, the profits created by this breeding area should be millions in a year. Once the market is opened, Niu Dahuan will inevitably increase the number of breeding. By then, it is not impossible to make a profit of tens of millions in a year.
The benefits of Rongcheng Commercial Bank are actually not good. In Rongcheng, banks are everywhere and the competition is very large.
Don’t think that banks are having a better life. In fact, there are only a handful of them.
Once there is no interest income, relying solely on handling fees and selling financial products is actually very pitiful.
Therefore, Tao Hong was eager to win this customer in Sanduo Village.
"Captain Niu, can I get on the boat and go to the water to take a look?"
Tao Hong became interested now and suggested.
Niu Dapao laughed and said, "Of course there is no problem."
After saying that, he drove the boat himself, and Tao Hong also wanted to get enough of it, so she made a bamboo pole and kept paddling on the bow of the boat.
When he arrived in the middle of the bamboo basket, Tao Hong looked at the dense fish fry in the water and felt comfortable.
"Captain Niu, you are indeed going the right way to take the breeding path. For this financing, we can provide a loan of 10 million, and I believe you!"
Tao Hong said suddenly.
Niu Dapao heard this and said happily: "That's thank you, Manager Tao. To be honest, the financial allocation is very tight at the moment, and the funds in our village cannot be turned on. Once there is financial support, the development of our village will definitely go up soon. The plan I made is to build Sanduo Village into the first village in the surrounding areas of Chengdu within five years. The next step is ecological agriculture. There may be many places that need funds in the future. But once the industry is on track, we have no problems with your bank's loans. I hope we can cooperate happily!"
After Tao Hong's inspection was over, the two parties soon signed a loan contract, with 10 million yuan in funds, and quickly arrived at the account of Sanduocun Investment Company in Rongcheng.
After receiving the ten million, Niu Dapao immediately launched the fruit tree planting plan.
There is absolutely no problem with the climatic conditions of Sanduo Village, growing citrus, etc. At present, some citrus will be planted in front of every household in the village, and the taste is also good.
Quantitative planting can be opened in the future.
However, if you want to plant fruit trees in the mountains, you still have to submit them for approval.
After getting the plan done, Niu Dapao came to the town excitedly.
After entering Niu Zhendong's office, Niu Dapao handed over the plan.
After reading it, Niu Zhendong smiled and said, "Da Cannon, you are indeed decisive and a good village chief! This plan is done well and is very helpful for the development of the village. However, will this amount be too large? You know, your project will take at least three years to take effect. At that time, a large amount of funds will be trapped in. Da Cannon, have you considered this risk?"
"Thank you, Uncle San, for reminding me that I have indeed considered this risk. However, the current situation in the village cannot be considered too much. There are no projects that can be quickly achieved. This time, it is a loan to operate. I am confident that within five years, I will not only pay off the loan, but also let the village's industries be completely on track. At that time, the more than a thousand people in Sanduo Village will not have to worry about food and clothing, and will directly enter a well-off society!"
Niu Dapao said confidently.
After hearing this, Niu Zhendong asked, "Tell me, how do you plan to survive the capital crisis in the past two years? For example, where do you come from now on? What do you plan to do the interest for each quarter?"
Chapter completed!