Wu Wen quickly brought the wine and food from the canteen with two girls from the electrical appliance factory. Although the dishes looked quite average, they were not as rich as the restaurants outside, but the four bottles of liquor were Moutai, which was borrowed by Wu Wen from the logistics department of the machinery factory. It was hard to drink on the market, which also shows Zhao Dongsheng's importance to Han Qili.

Everyone in the machinery factory knows that Zhao Dongsheng is Zhang Haishan's man. Now that Zhang Haishan wants to get Maotai, how dare the leaders of the logistics department not give Zhao Dongsheng such a face? Otherwise, Wu Wen would have a really difficult time getting such top liquor.

Zhao Dongsheng then greeted Han Qili to take his seat. The two started chatting while drinking, while Niu Baoguo and Wu Wen were accompanying each other.

At the wine table, Han Qili praised the tape recorder produced by the machinery factory. She was very optimistic about its market potential and clearly stated that she was willing to cooperate with the machinery factory to provide a loan to the machinery factory for the electrical appliance factory to produce the tape recorder.

"Director Han, the business of your city's rural credit cooperatives seems to be not very consistent with our electrical appliance factory. Will there be any problem?" Zhao Dongsheng of course welcomed Han Qili to lend money to the electrical appliance factory, so that the electrical appliance factory can start production. However, he was a little worried that doing so would not comply with the procedures and cause some trouble, so he poured wine on Han Qili's empty wine glass and asked with a smile.

"Director Zhao is worried too much. The main business of our city's rural credit cooperative is to face the countryside, but this does not mean that we are limited to the countryside. We also need to develop, and of course we need to open up new markets." Han Qili waved his hand when he heard this and replied with a smile, "Don't worry, the loan procedures between us are completely followed by procedures, and there is no problem. Besides, the old man has said that no matter whether it is black cats or white cats, catching mice is a good cat. Our city's rural credit cooperative is to go out so that it can grow and grow. Otherwise, it will be difficult to make a big move if you only rely on the rural market."

"I wonder how much Director Han can lend us?" From Han Qili's words, Zhao Dongsheng felt that his mind was avant-garde and an enterprising person, so he looked at Han Qili with a smile. Since Han Qili dared to lend, he naturally dared to accept it.

"How much does Director Zhao need?" Han Qili asked with a smile when he heard this.

"The more you have, the better." Zhao Dongsheng laughed and raised the wine glass in his hand to Han Qili.

"To be honest, I can raise up to three million in my hand. Do Director Zhao dare to lend?" Han Qili didn't expect that Zhao Dongsheng's appetite was so big. He heard that Zhao Dongsheng had borrowed one million from Qi Ming. After pondering for a while, he smiled and picked up the wine glass in front of him, looking at Zhao Dongsheng and said.

"Then thank Director Han." Zhao Dongsheng did not hesitate at all, and smiled and touched Han Qili with a glass, and then drank it all in one go. He dared to ask for 3 million, 30 million.

Just as Han Qili said, as long as a black cat and a white cat, a mouse is a good cat. As long as Zhao Dongsheng can make the electrical appliance factory achieve a leap forward and make some achievements, it will be natural for him to do anything and will also be recognized by his superiors.

When Han Qili heard this, he also smiled and drank the liquor in his cup. The more loans the electrical appliance factory borrowed, the greater the return.

The reason why Han Qili stayed and waited for Zhao Dongsheng was because he was very optimistic about the tape recorder of the machinery factory and believed that it would definitely sell well, so he made the decision to lend to the electrical appliance factory.

It has to be denied that lending so much money to a small factory in its infancy, such as an electrical appliance factory, takes a lot of risks for Han Qili, but as the saying goes, the greater the risk, the higher the reward.

"Director Han, our factory should not be within the scope of your company's policy support. In that case, you will have to take commercial loans. You will also understand the situation of our factory in the afternoon. What is better to use as mortgage?" After Han Qili put down his wine glass, Niu Baoguo asked with a smile.

If the electrical appliance factory is within the policy support scope of the Municipal Rural Credit Cooperatives, then Han Qili can use policy support to lend to the electrical appliance factory. Otherwise, he can only take the path of commercial loans and needs the electrical appliance factory's items to be mortgaged.

Although the territory of the electrical appliance factory is large enough, unfortunately, since it is a state-owned enterprise, the electrical appliance factory only has the right to use the land and cannot mortgage the land to the bank. Then the only thing that Zhao Dongsheng can do is the machines in the factory.

Although the performance of those machines has been improved a lot by Zhao Dongsheng's transformation, they have been used for 20 or 30 years, and they cannot be sold at all at the market price. Moreover, when banks make prices, they often lower the price. If they can be worth 800,000, the electrical appliance factory will laugh, let alone three million.

"The machines in your factory are good. I think it's okay to be worth three million." Han Qili naturally knew this. He put down the wine glass in his hand and said to Zhao Dongsheng and Niu Baoguo with a smile.

"Then we have to thank Director Han for his support." Zhao Dongsheng smiled and poured wine for Han Qili. Then he picked up his glass and waved Han Qili, saying to Niu Baoguo and Wu Wen present, "Come on, let's all give Director Han a glass."

Niu Baoguo and Wu Wen immediately picked up their wine glasses toasted Han Qili, not caring about the market price of the machines in the factory, as long as the city Rural Credit Cooperative believes that it can be worth three million, then it will be worth three million.

However, in this case, Han Qili will have greater risks. Once the electrical appliance factory cannot repay the loan on time, he will be in great trouble because of the loan.

"Director Han, how do you calculate the interest rate for your commercial loan?" Since the two parties have agreed on the loan intention, what is left is some details. After tribute to Han Qili, Zhao Dongsheng asked while pouring him wine.

"Our city's rural credit cooperative now uses the online resources of the Agricultural Bank of China, which is affiliated with the Agricultural Bank of China. The annual interest rate for the Agricultural Bank of China loans is eight points, and I will give you six points." Han Qili thought for a while and gestured to Zhao Dongsheng with a six gesture.

Six points are the interest rate of six percent. Han Qili's interest rate is very kind, which can be said to have given Zhao Dongsheng a huge discount. This is not only as simple as saving Zhao Dongsheng tens of thousands of dollars:

Although each bank has a base interest rate for a loan, it is just a starting price. In order to be able to borrow money from the bank, most units and individuals who borrow often have to sign contracts with the bank at an interest rate higher than this base interest rate.

"Ten o'clock." Since Han Qili helped Zhao Dongsheng, Zhao Dongsheng could not let Han Qili suffer. He thought for a while and stretched out two fingers at Han Qili, "We only have a loan for one year, and our electrical appliance factory can pay off the loan within one year."

"Ten points?" Hearing this, not only Han Qili looked surprised, but even Niu Baoguo and Wu Wen were stunned. The interest rate was too high. Not to mention Huangzhou City, Hedong Province did not borrow from banks at such a high interest rate.

The reason why Zhao Dongsheng gave Han Qili a high interest rate of ten points was far-reaching considerations. It can be foreseeable that the electrical appliance factory will definitely undergo an explosive development in the future, and the country's finances during this period are still relatively difficult. It is difficult to obtain financial appropriations from the city, and the process is also relatively cumbersome, so only by borrowing from a bank to solve this problem.

Han Qili extended a helping hand at the most difficult time in the electrical appliance factory. This is like a timely help, which is far more important than the icing on the cake for other banks when the electrical appliance factory develops in the future.

With the development of electrical appliance factories, electrical appliance factories must have a lot of business dealings with banks. Although Han Qili is now the director of the Municipal Rural Credit Cooperative Union, and to be precise, it is not a bank in the formal sense, as long as there is an electrical appliance factory behind it, Han Qili will definitely be transferred from the Municipal Rural Credit Cooperative Union and work in a bank with sufficient influence.

Zhao Dongsheng hopes to have a trustworthy friend in the bank, rather than a simple business partner, and Han Qili is undoubtedly the best candidate.

"Director Zhao is such a happy person." Han Qili saw that Zhao Dongsheng frowned and gave him a ten-point interest rate agreement. He also expressed his recognition of himself, so he couldn't help but laugh and reached out to pat Zhao Dongsheng on the shoulder. From Zhao Dongsheng's words, he not only felt that Zhao Dongsheng was very loyal, but also heard that Zhao Dongsheng was full of confidence and full of confidence in the future of the electrical appliance factory.

This is a very good phenomenon for Han Qili. If even Zhao Dongsheng is not confident about the future of the electrical appliance factory, then his three million loan will be suspended.

Since the loan conditions were negotiated, the atmosphere on the scene became more and more relaxed and harmonious. Zhao Dongsheng, Niu Baoguo and Wu Wen took turns to toasting Han Qili, and the relationship between the two parties was closer together.

"Director Han, I don't know when the loan will be available. Our factory can wait to buy materials to start construction." After three rounds of wine and five flavors, Zhao Dongsheng quietly whispered to Wu Wen, and Wu Wen found an opportunity to ask Han Qili with a smile.

"When will your factory want to take out a loan?" Han Qili had a very good alcohol tolerance. He drank more than a bottle of Moutai alone, his face turned red and he felt a little drunk. He burped and looked at Zhao Dongsheng.

"The faster the better. As long as the funds are in place, we will start production immediately." Zhao Dongsheng smiled slightly and replied in a deep voice.

"Then tomorrow, I'll have someone come to estimate the price of your machine tomorrow." Han Qili nodded and said to Zhao Dongsheng.

"Tomorrow is New Year's Day, and all the units in the city are on holiday. Why don't you come after New Year's Day?" Niu Baoguo said to Han Qili with a smile when he heard this.

"It's good to have a holiday, and it's time to do things!" Han Qili shook his head at Niu Baoguo, and then looked at Zhao Dongsheng meaningfully.
Chapter completed!