C14 What a Whimsical Idea

When Niu Zhifeng saw Liu Zhenhua walk out of the office, he was too embarrassed to confess to Song Lifang face to face.

He nodded and pretended to be indifferent. Yeah, Lifang, I was just thinking of going to the town to do something. If you also want to go to the town, I can help you. Zhenhua, are you coming or not? "

"Brother Zhenhua wants to go. " Song Lifang smiled.

"Ah. " Niu Zhifeng really wanted to slap himself in the face.

Why would he talk so much? Couldn't he just ask Song Lifang to sit in his car? Now that he invited Liu Zhenhua, Liu Zhenhua directly sat on his motorcycle.

"You guys hurry up and go to the town. " After Song Lifang finished speaking, she turned around and was about to enter the office.

"Ah, Lifang, you're not going?" Niu Zhifeng looked as if he had been bitten by a poisonous snake.

Song Lifang shook her head and said, "My family and Brother Zhenhua are working together to set up the Xiu Zi wine factory. I'm very busy right now. Can you accompany Brother Zhenhua to the village credit club in town to ask about the loan?"

"Okay, I'll listen to you. " When Niu Zhifeng heard that it was Song Lifang who told him about the matter, he was immediately overjoyed.

Song Lifang's winery was his winery, so he had to do his best.

If Song Lifang became the big boss and married him in the future, that money would be his. The more Niu Zhifeng thought about it, the happier he became. His legs were shaking in excitement. He actually could not hold the motorcycle and the motorcycle was about to collapse.

"Zhifeng, what are you doing?" Liu Zhenhua jumped off the motorcycle in a hurry. The motorcycle fell down and pressed Niu Zhifeng down.

"Help!" Niu Zhifeng shouted.

Liu Zhenhua and Song Lifang quickly helped the motorcycle up. Niu Zhifeng looked bitter.

Liu Zhenhua asked worriedly, "Zhifeng, can you do it? How about I find a way to go to town?"

"I'm a powerful man. How can I not?" How could Niu Zhifeng admit defeat in front of Song Lifang? He hurriedly got on his motorcycle again and drove Liu Zhenhua to the town.

Because the road was difficult, Niu Zhifeng's driving skills were not that good. So they took an hour to reach the town.

The rural credit club was located in the center of the town. There was a large open space outside, and there were some small cars and motorcycles parked there.

Niu Zhifeng had just parked his car when he saw a female customer manager standing in front of the Credit Club.

The female manager was about 20 years old. She wore a white shirt, a high waist, and black pants. Her pretty face made Niu Zhifeng's eyes widen.

"Zhenhua, beautiful girl. " Niu Zhifeng drooled as he spoke. "Look, the beauty is smiling at me. "

Liu Zhenhua was 1. 78 meters tall and handsome. When the female manager saw Liu Zhenhua, her eyes lit up, so she secretly stared at Liu Zhenhua. She did not expect Niu Zhifeng to misunderstand.

Liu Zhenhua frowned and said, "Zhifeng, you're drooling. "

"Hehe, I'm not drooling, I'm sweating. " Niu Zhifeng hurriedly wiped the saliva from his mouth.

When Liu Zhenhua and the others entered the Credit Club, the female manager came up to them and asked, "What business do you two want to do?"

"Beauty, he is the village chief of our village. He wants to borrow money from you. " Niu Zhifeng saw that Liu Zhenhua was about to speak and quickly said it.

"He is the village chief at such a young age?" The female manager looked at Liu Zhenhua in shock.

She always felt that Liu Zhenhua had an imposing appearance and was extraordinary.

"Yeah, Zhenhua just graduated from university and came back to our Fallen Mountain Village to be the village chief. " Niu Zhifeng nodded.

"Luoshan Village!" The female manager's face suddenly changed.

This Fallen Mountain Village was famous for being poor in White Ocean Town. No girl would marry a young man from the Fallen Mountain Village.

Even if Liu Zhenhua was the village chief, he did not have a salary. This was no longer a secret in White Ocean Town.

Niu Zhifeng saw that the female manager's expression was not good and hurriedly explained, "Beauty, don't misunderstand. Zhenhua's family is poor, but my family is not. My name is Niu Zhifeng. My family has plenty of money. "

The female manager was not as enthusiastic as before. She only said a few perfunctory words to them and then went over there.

Seeing this, Liu Zhenhua had no choice but to go to the counter to ask for the loan.

Inside was a middle-aged man. When he heard that Liu Zhenhua wanted to take the loan, he raised his head and adjusted his glasses and asked, "Where are you from? Do you have any collateral?"

"I have already issued a certificate. " Liu Zhenhua handed over his certificate of introduction.

When the middle-aged man saw the words "Fallen Mountain Village, he could not help but be surprised. Your Fallen Mountain Village still wants a loan? How is this possible? Who doesn't know that your village is poor? How can you pay it back? "

" Comrade, it's not our village's loan, it's me who wants to take the loan. " Liu Zhenhua explained. "We want to build a wine factory and a breeding farm, about 200,000 yuan. "

Right now, Liu Zhenhua did not know how much money he needed to set up the wine factory and the breeding farm. However, based on their preliminary calculations, they needed at least 200,000 yuan to start the project.

Song Min had said before that the rural credit associations would only loan 30,000 yuan to the farmers.

Although 30,000 yuan was still a huge gap from 200,000 yuan, they still needed money to set up the wine factory and pig farm. They also needed to buy piglets and other things.

If they could borrow thirty thousand yuan first, they would be able to pay for the money they received today. They would also be able to get workers to build winery stoves and factories.

In addition, the rice and tools needed to make wine all required money. When Liu Zhenhua thought of this, he felt like his head was about to explode.

"Two hundred thousand? Are you kidding me?" The middle-aged man rolled his eyes at Liu Zhenhua. "You guys should go back. You guys are not suitable for loans?"

"Why?" Liu Zhenhua said, "I heard that farmers can borrow 30,000 yuan from you. "

"That is for ordinary people, but it is difficult for you to get into the village," Wang Yao said. The middle-aged man shook his head.

Liu Zhenhua asked, "Why is it difficult?"

"Usually, three people will be required to guarantee a farmer's loan. If you can't pay the principal and interest after a year, the guarantor will have to pay back. Can you find such a person? " The middle-aged man asked.

"This, this. . . " Liu Zhenhua was speechless.

Even the villagers in the Fallen Mountain Village did not have money, so how could they guarantee this?

The middle-aged man saw that Liu Zhenhua could not speak and continued to say: "Also, you still need to have a physical guarantee. Do you have a building? Do you have any valuable physical mortgage? "

"No. " Liu Zhenhua shook his head in embarrassment.

"That's right. It's not that we don't want to help the farmers. But you guys have to show some strength to let us take the loan. " The middle-aged man said, "If I lend you the money, If we don't get it back in a year, we'll be in trouble Last year, We lent you farmers a lot of money, but we only got half of it back. The rest of the money went to waste. Our director has been severely criticized by our superiors, and this year, we can't take back the money we borrowed before. Maybe we'll be fired and go home to be farmers. "

Liu Zhenhua heard the middle-aged man say this and looked at the town's rural credit club's loan request this year. He secretly complained in his heart.

Now that the rural credit club tightened the loan, it would not easily lend it to the farmers.

Unless there were three people who would work together to guarantee or have real assets as collateral, under normal circumstances, no one would be willing to help you be such a guarantor.

As for the real thing with equal value, it was even more difficult. Liu Zhenhua's current net worth was only a few hundred dollars.

His house was still in a worn-out tile house. Once it rained, there would still be rain. How much was it worth?

Sigh, looks like I have to go back and find Uncle Song to think of a way. Liu Zhenhua thought in his heart.

If Officer Qiu invested two hundred thousand to the village and set up a wine factory and pig farm, the income would still be acceptable to the village.

However, Officer Qiu had been unwilling to agree to this poverty alleviation plan. This was a little troublesome.

Niu Zhifeng did not follow Liu Zhenhua to ask about the loan. Instead, he ran to the female manager's side and spoke.

"Beauty, when will you get off work at noon? I'll treat you to a meal at the restaurant. " Niu Zhifeng's face was full of saliva.

The female manager shook her head and said: "Sorry, I'm not free. "

This fat kid is much uglier than the village chief just now, she definitely won't agree to eat with him.

"I have money. I sell meat. I have money. " Niu Zhifeng said as he took out 200 yuan from his pocket.

"It's your business that you have money. It has nothing to do with me. " The female manager said with a straight face, "Comrade, don't interfere with my work, or I'll call security. "

Hearing the female manager say this, Niu Zhifeng had no choice but to turn around and walk to the chair at the back and sit down.

But he was too fat. The chair in front of him was farted by him. He sat down, and with a bang, the chair cracked.

"You, you. . . " Seeing this scene, the female manager didn't know what to say.

Liu Zhenhua walked to the side and took out his phone to call Officer Qiu. "Officer Qiu, I have discussed with Uncle Song. If our village were to build a wine factory and pig farm, it should be possible. "

"Chief Liu, we feel that your plan is not feasible. What wine factory? This kind of wine that the villagers drink, how can it be big and strong?" Officer Qiu said. "If you still can't think of any good ideas, then I might as well report to the higher-ups that your village will not be helping the poor for the time being this year. "

"How can this be?" Liu Zhenhua shouted loudly, attracting the attention of others to his side.

That was 200,000 yuan of poverty relief. It was a pity to take it back just like that.

"How about you lend us 200,000 yuan to build the winery and pig farm. We will return it to you in a year. " Liu Zhenhua said.

"Liu Zhenhua, are you joking? This is public funds, how can I lend it to you?" Officer Qiu immediately rejected it. "If you need money, you can go to the bank to get a loan. "

Liu Zhenhua sighed and said, "Sigh, I'm now in the town's rural credit club. Even if I wanted to borrow thirty thousand yuan, they wouldn't lend it to me. The construction of the wine factory and pig farm would require around two hundred thousand yuan. We don't know what to do. "

"Village Chief Liu, you're too whimsical. The job of poverty alleviation in the countryside requires one to walk slowly step by step. Your steps are too fast. No matter how much money you invest in it, you will not be able to get it back by throwing it into the water. " Officer Qiu advised Liu Zhenhua.

Actually, if the Poverty alleviation team felt that Liu Zhenhua's plan to rely on his son to get out of poverty was feasible, they could invest 200,000 yuan.

But during their meeting, everyone unanimously agreed that this Poverty Altering Plan was a fantasy. They had never seen a place to build wine and use it to get out of poverty.

They did not dare to think about it and even more so did not dare to do it.