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Chapter 1281 Loans

This in itself is also a matter of mutual benefit, and it cannot be said that he made a good plan.
Ye Yaodong said with a smile: "Maybe they also want this? If you cooperate with me, I will not interfere in anything. They will control the fishing boats themselves and have the right to speak."
"If they find someone to form a partnership, one person will contribute half of the capital, which is enough for an average person to drink a pot. The ship must not be as important as life? If the two sides have an opinion, who should listen to it?"
"If all the family members are involved, both families will definitely give advice on the fishing boat."
"This is because there are only a few people investing in the company. Normally, a fishing boat worth more than 20,000 yuan would not be able to pay half of the money they earned from renting the fishing boat for more than a year. They will definitely need a few more partners."
"There are more people, so there are more things to talk about. Do you think that everyone is like me and my second brother, who only take money and have no opinions, and they won't point fingers at the Harvest."
"If my second brother and I disagree every now and then about whether the Harvest should go here or where? Or who the goods should be sold to, or whether we can go to sea today, we have to put forward some opinions. Who wouldn't be annoying to hear it?"
"Do you think what I said makes sense?"
Aguang touched his chin and felt that what he said was quite right. Who wants to listen to other people's criticism and sing the opposite.
"That's right. Let's not talk about a ship worth two or thirty thousand. Two or three thousand is not a small amount of money. Everyone should pay attention to it. If it is worth tens of thousands, it must be regarded as important as lifeblood. There are more shareholders.
In the end, it’s inevitable to point fingers.”
"Partnering with you is the most enjoyable thing. You only need to pay and don't care about anything. They are very happy to cooperate with each other. They also have full control over the ship. There are no big problems. They basically have the final say. There are still risks."
Your thighs bear it together."
"If you join a partnership with other people, you still have to share the money, so it's better to partner with you. This kind of psychological security cannot be provided by others."
Ye Yaodong added: "One more thing, if you partner with me, the boss of the ship can calculate another salary from it. I don't do anything anyway, so there will definitely be no salary. If he partners with other people, the people who contribute the same money will also have to ask for the same salary.
, the personnel allocation on the ship is also half that of others."
"There are two bosses on a ship. Even if they are two brothers, there will be disagreements. My eldest brother and the second brother are considered good, but there will also be disagreements."
Ye Yaopeng and Ye Yaohua laughed.
"Yes, Dongzi is right, we both still quarrel sometimes."
Father Ye said: "Then why didn't you say something and remind me when everyone was here just now?"
"It's early. I just finished checking the accounts. Seeing so many people here, I just mentioned a few words. It's not too late to chat when we go home during the Chinese New Year. Anyway, those who rented the boat are basically cousins, except for a few."
Besides, there were so many boatmen nearby, all listening. With them communicating with each other, there was no need for him to speak clearly.
They are all from the same village. We chat and analyze each other, and we all have a clear understanding of what we are talking about.
"When we get home, we will set up a few tables and treat everyone to a meal. It will be a New Year's Eve dinner."
Father Ye said with a smile: "I still think so far ahead. It's still two months before the Chinese New Year."
"It's also fast."
Ye Yaodong took a look at the people who hadn't left yet, and then took them to play cards. It was raining anyway, so he couldn't do anything.
It rained for five or six days, and the temperature dropped sharply by seven to eight degrees. Everyone wrapped up in new cotton-padded jackets for the next two days.
After the rain stopped, it cleared up, and the temperature rose a little, everyone took off their cotton-padded jackets again.
Ye Yaodong also took advantage of the lack of rain and called all the workers to move the quilts.
All were new quilts, so thick that they could suffocate people. Everyone was smiling, as happy as giving out money.
Those who are not very young may have never covered themselves with a new quilt in their lives, while those who are a little older may not have done so until they got married.
Everyone hugged the quilt and couldn't help but rub it on their faces, laughing so hard that they couldn't see their teeth. Everyone said that they had never been covered with such a good quilt, and they could have a good and comfortable sleep at night.
Even the passers-by on the road looked at them with envy as they carried the big quilts.
After returning home, workers from other fishing boats also came over to see the quilts they had brought back. They touched them here and there, feeling envious. Others' quilts had not yet been found.
"The temperature has dropped recently. How nice is this quilt..."
"I have never been covered with such a thick and new quilt in my life..."
"Ours should be ready soon, right?"
"It should be able to be covered even when the temperature is cooling down..."
"Fortunately, I have brought my cotton-padded jacket, so I can still cover it with you at night..."
Ye Yaodong looked at the bustling door and said to his father: "The wind has picked up, we have to wait for two days."
"Well, it's getting cold and there will be a cold wind. Please listen to the radio more these two days."
"It's much colder here than here. It's only November, so you need to wear a cotton-padded jacket."
"It would have been a little colder at the seaside port here. It has been more than a week since I applied. Is there still no impact on your loan?"
"I don't know. It's been raining these past few days. I'll take a look in the afternoon."
He thought that the review would not be that fast now, as all the documents would be manually reviewed on paper, and the information might have to be sent to the superior bank by courier.
Unlike in the future, when the whole country is connected to the Internet and computer review is done, it will be faster. If you apply today, you can sign for the loan tomorrow.
"While it's not raining, you can go take a look in the afternoon. Now that the matter is done, implement it as soon as possible. By the way, you can also make a phone call to report that everything is safe. I haven't called for more than a week."
"Okay, let's go together. Make a phone call first, and then go to the bank."
"You can also call banks. Just call them when you go there."
"Then ask about the loan first and then call. Don't you want to go and hear about the loan?"
Father Ye hesitated for a moment and then agreed.
When the father and son finished their phone call at noon, they both breathed a sigh of relief when they came out of the bank.
The loan of 200,000 yuan has not yet been sent back. All they heard were words of food, clothing, warmth, and concern. Their hearts suddenly dropped back to their stomachs, and their steps became brisk.
However, the loan review has not been approved yet. They only said that it would not be that fast. Their local bank had already approved the review and then sent it out.
The loan must be approved by the superior bank and they receive the documents.
Shen Ming'e only asked him to go back and wait patiently for another week. When the superior bank approved it, she would come to inform him to go to the bank to sign, and then the loan could be issued.
After Ye Yaodong came out of the bank, he still teased his father, "When I saw you answering the phone just now, you looked like you were going to the execution ground."
"nonsense."
Father Ye quickly changed the subject, "It just so happens that you are waiting at home these days. You may not know when the loan will be released. Then you can go directly to the shipyard to order the boat. Otherwise, you will not owe money and the boat will not be located."
"You still have to rush the cargo ship. It's best to get it done in the next month or two. When we get back, we can just sail the ship back. If we see something, then the curse won't be so loud."
He responded, "I know, you just want to work there every day, so they should pay more attention to it."
"I have to go to sea, otherwise I would really be able to go there and stay there every day. You should be more careful yourself, and go and take a look if you have anything to do."
"I know, I don't want you to tell me."
The wind blew for two days, and when the wind calmed down a bit, Father Ye took a few fishing boats out to sea again.
Ye Yaodong also went to see Li Shouquan and found out that they went out to sea on the same day to catch shrimps. He was counting the time in his mind as to when he would go to the merchant again. After deciding on the quantity of goods, he would go out to receive the goods.
It has been windy and rainy these days, so the flow of people on the dock has decreased. Many ships have returned to the port one after another, and the trading volume has also dropped.
Now as soon as it clears up and the weather is good, fishing boats are rushing to leave the port and sail across the border.
This makes it easier to sell the fish of the day. After all, many merchants have been out of stock for several days. The processing plants are not bad. There are many intermediary fishmongers who are the first suppliers to the processing plants.
The processing plant also has a lot of inventory, and occasional bad weather will not have an impact.
Ye Yaodong went out to sea every one or two days and collected goods from two or three trips, but he didn't always keep an eye on the loan.
There is no point in urging this matter. It is not a human problem, but a problem with roads, communications and technology, and nothing can be done faster.
It was almost the middle of the month, and Father Ye and the others came back after being out for 10 days. Only when he was checking the accounts did Shen Ming'e arrive.
"Boss, boss, that little beauty you had last time is here..."
"A Dong, your little girl is here..."
Ye Yaodong was still checking his accounts when he heard a group of people at the door shouting excitedly at him.
Everyone in the room looked at him in confusion, what kind of little beauty? What kind of little girl?
"What are you arguing about? Didn't you notice that the accounts were being settled?"
The person who ran in said loudly again, "It's the little beauty from last time, the very beautiful one."
When Ye Yaodong heard this, he knew it was Shen Ming'e he was talking about, "Just ask her to wait, I'm settling the accounts here, and it'll be quick."
"Oh well."
A Guang asked: "Has the loan been disbursed?"
"Probably the application was approved."
He looked at the curious people and knocked on the table with his knuckles, "Go on, finish the math first."
Except for Shopee, which is settled in cash, everyone is waiting to calculate the general ledger after returning from this trip, and then get the money.
Nothing is as important as them settling accounts and getting money.
Everyone focused their attention on the bill of goods in his hand, watching him calculate the accounts using the calculator.
Ye Yaodong has also earned more than 20,000 yuan from three boats and his own Dongsheng No. these days, and he also received more than 30,000 yuan from the boats selling shrimp.
The night before, he had already calculated the accounts in advance, which was not accurate. It should be said that he calculated it again every time he came back from selling goods, and then recorded the income and expenditure in a small notebook.
In just ten days, he had already earned more than 50,000 yuan.
If the weather hadn't been bad during the first few days of the month, he would have earned more.
Just thinking about it made his heart beat wildly. It had only been a few days, but he was much more efficient than the previous two months...
He couldn't even imagine how much he would earn in the next two months.
I originally thought I could earn 50,000 to 60,000 yuan a month, but now after getting to know those boats that catch shrimps, I can earn more than 50,000 to 60,000 yuan...
In the past three months since I came to Laizhou City, I have made a lot of money. In addition to the tens of thousands of yuan I sent back, 100,000 yuan was all affixed to that cargo ship.
At the beginning of this month, when he reconciled the accounts at the end of the month, after paying back Aguang's 15,000 yuan, he still had more than 20,000 yuan left.
Now, excluding some expenses, I still have more than 50,000 yuan on hand.
Sure enough, once you master the production and sales channels, you can make money quickly.
The current channel is money.
That chamber of commerce didn't go to meetings and work around in vain, and I didn't get to know people in vain. It was still very useful to some extent.
Now he no longer needs to set up a stall on the pier until dawn. As long as he contacts one day in advance, goes to sea to collect the goods the next day, comes back to allocate the quantity, and arranges delivery to others, the money will be available immediately.
This was a completely cash transaction, with no outstanding debts. Except for the cash advances he made to a few Shopee ships, no one was on his account.
Every day's transactions are real cash flowing into your pocket, which makes you feel so comfortable.
Ye Yaodong settled the accounts for all three ships, and then paid them in cash.
After everything was counted and there was no problem, he walked out.
Shen Ming'e sat at the door for a while. People around her were looking at her and saying things she couldn't understand. They were all men. She was on pins and needles and began to regret sitting down and waiting.
She should leave a message back first and ask Ye Yaodong to go to the bank to find her.
Just when she was about to go back first, Ye Yaodong came out.
As if she saw the light of day, she immediately stood up and said, "Comrade Ye Yaodong, call..."
"I'm sorry to have kept you waiting for so long. The fishing boats have all come back. We happened to be settling accounts inside. We've just finished half of the calculations and can't make any room. I'm so sorry."
"If you don't come out, I have to leave. Are these all your workers? There are so many of them, maybe thirty or forty people. It's scary..."
Ye Yaodong looked around. There were some old men and women sitting at the door, but they were all gone by now. They were probably frightened by the dozens of out-of-towners gathered together, so they all went back to the house.
When the three ships were settling their accounts just now, everyone came running over when they had nothing to do.
As long as they come back, they like to hang out in crowded places with them.
Whenever outsiders like them get together, the locals will avoid them fearfully, fearing that they are too numerous and might end up dead if they get into a quarrel.
At this time, all the eyes were looking at them, very curious, which was really embarrassing.
"It's okay, they are just curious. Next time if you have anything to say, just go back and I'll just go to the bank to find you."
"Okay, I regret staying and waiting. There are too many people here..."
"That's a lot? There are more than 100 of them still at sea, and they won't come back until night. If you come here at night, don't you be so scared that your legs are shaking?"
She quickly shook her head, "I won't come, and I won't come again."
Ye Yaodong laughed, "Has the loan been approved?"
"Yes, it has been approved and sent back. When I received the document this morning, I wanted to send it over for you to sign. By the way, I would like to inform you to bring your personal certificate for the loan."
"Great, I already have your father's account at the shipyard. I'll go over in the afternoon to get the loan, and by the way, I can transfer it directly to the shipyard's public account, so I don't have to move it around."
"No problem, then you sign this first. I have to go back to go through the formalities. It's just right for you to go and collect the money in the afternoon."
"OK."
Ye Yaodong took the documents and pen she gave her and led her to the table under the tree to sit down. He first took out the documents and took a look.
Although it was obvious at a glance that the two of them were talking about business, everyone still kept their eyes fixed on it, for fear of missing some gossip.
There were so few spare time activities, and such a young and beautiful girl came to Ye Yaodong. Everyone's flames of gossip had been ignited, and they wanted to find out some details.
Ye Yaodong ignored everyone's gossips and understood all the terms of the loan before taking up a pen to sign and stamp his fingerprints.
"Is that okay? I'll go there after I get to work in the afternoon."
"Okay, that's enough. Come back in the afternoon and I'll leave first."
Shen Ming'e put the documents in her briefcase and stood up quickly, wanting to escape immediately.
"Okay, it's not appropriate to keep you for lunch, so I won't keep you. Thank you."
"You're welcome. If you dare to keep me, I won't dare to either."
She waved her hand, got on her bicycle and left first.
As soon as they left, everyone gathered around.
"Just leave like this?"
"Let's really talk about business..."
"Why didn't A Dong go and give him a gift..."
"A Dong, this girl is quite pretty..."
Ye Yaodong glared at everyone, "Look at your worthless looks, your eyes are straight. Not to mention little girls, even aunts don't dare to walk in front of you."
"Hehe...it's so beautiful. It's worth taking a few more glances..."
"Yes, if you are good-looking, you have to show it to others."
Hearing their echoes, he quickly waved his hand to drive them away, "Go, go, go, do what you have to do, we are just talking about the business of the loan, there is nothing special about it, don't think about it. If you want to fantasize, you can do it one by one.
Let yourself fantasize, go home and dream..."
"We do think so..."
"I can't even think about it..."
Ye Yaodong passed them and walked into the house, intending to take out his personal certificate first.
Father Ye followed him and asked, "Is the loan approved?"
"right."
A Guang quickly followed after hearing this, "Is it approved so quickly?"
"It's been half a month, so it's not that fast."
"It's pretty quick. I thought it would only take a few months. So how are you going to get it? You can't bring everyone to the bank to be your bodyguards? You also have to bring a gun."
"The people in the bank were probably trembling with fear, thinking I was here to rob the bank."
"It's not bad. You can get a loan of 200,000, and it's no different from robbing a bank."
"I have already asked for the shipyard's corporate account number in advance. I can just go to the bank in the afternoon and directly transfer it to the shipyard's corporate account number. Otherwise, I won't be able to fit 200,000 into a password box. If I carry the password box out of the bank, why don't I just follow it?
Same target?"
"If it can still be like this, that's the best." Aguang said enviously again, "You have picked up several more boats for nothing."
"I also have to bear the risk."
"What risk are you taking? Based on your current income, you can pay it back in just two months."
"The risk I'm talking about is the pressure from the family. The family doesn't know about it yet, but it would be a huge disaster if they knew about it."
Father Ye said: "That's what you should bear."
Ye Yaodong glanced at his father, he didn't know who would bear the storm.
Chapter completed!
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