Great changes in the countryside

Chapter 194
Lao Fan and his wife couldn't help laughing when they saw Chen Yang hovering outside the door.

It was Lao Fan who opened the door himself, then went to the courtyard and opened the door.

"Do you want me to beat the gongs and drums, so that you are willing to come in?"

Chen Yang smiled embarrassedly.

In the living room on the first floor, Chen Yang bowed to Aunt Tian, ​​"Aunt Tian, ​​hello."

Aunt Tian nodded, "Hello, Xiao Chen." She turned and told the nanny, "This is Lao Fan's friend, and he will be staying at home tonight. Remember, add half a catty of rice to cooking, and add fish and meat to cooking."

The nanny answered yes, first poured Chen Yang a cup of tea, and then went to the kitchen.

Aunt Tian smiled and asked, "Xiao Chen, what do you mean? You finally arrived at the door of your house, why don't you come in?"

"I, I came empty-handed, sorry. I'm planning to do some shopping and come back tomorrow."

Lao Fan snorted, "It's rich and powerful. You kid, have you made a lot of money again?"

Chen Yang opened the satchel.

Lao Fan and his wife were taken aback. The satchel was full of money, more than 5000 yuan.

"What are you doing with so much money?" Lao Fan asked.

"me……"

"Say, tell the truth."

Chen Yang bit his lip, his heart became cruel, he stood up, facing Lao Fan and his wife, and knelt down with a plop.

Aunt Tian hurriedly said, "Xiao Chen, what are you doing?"

"Old Fan, Aunt Tian, ​​I, I escaped from home."

Sitting in a wheelchair, Aunt Tian said to Lao Fan, "Quickly get the child up."

Lao Fan came over and helped Chen Yang up, "Come with me."

In the study, Lao Fan was sitting and Chen Yang was standing.

"Tell me, in detail, and don't hide anything."

Chen Yang talked for half an hour.

He didn't hide anything, including the crime against the bearded man, and the usury himself.

Lao Fan listened very carefully.When Chen Yang reported the situation of the processing plant, he also asked a lot of questions.

After listening to Chen Yang's report, Lao Fan had a serious face, frowning and thinking for a long time.

Chen Yang stood beside him without saying a word.

Finally, Lao Fan reached out and patted the table.

"Xiao Chen, just wait, I'll go find the secretary. Just take a look at the documents on the table."

Before Chen Yang could respond, Lao Fan got up and left.

Chen Yang sat on the chair where old Fan Gang was sitting, took the few documents on the desk, and looked through them carefully.

Lao Fan, Fan Sicheng, used to be a deputy commissioner, but now the adverb has been removed.

When it was time for dinner, Lao Fan hadn't come back yet.

Aunt Tian asked Chen Yang to come out for dinner without waiting for Lao Fan.

Chen Yang insisted on waiting for Lao Fan to come back.

Aunt Tian said that this is the rule of their family, and they don't wait for others to eat.

Seeing that Chen Yang refused to eat first, Aunt Tian and the nanny ate first.

Lao Fan didn't return home until 08:30 in the evening.

The nanny came out and quickly heated up the cold dishes.

Lao Fan sat at the dining table, looked at Chen Yang and asked with a smile, "Why don't you eat first?"

"I caused you to not eat until now, of course you will not eat until you come back."

"Well, show loyalty. Come, let's have a few drinks."

Lao Fan looked very happy.

But Chen Yang didn't dare to ask.

A bottle of Erguotou made everyone, old and young, drink it up.

After eating and drinking enough, Lao Fan led Chen Yang back to the study.

"Xiao Chen, after reading these documents and materials, what do you think?"

Chen Yang said, "My impression is that I did the right thing. They shouldn't mess with me, but should praise me."

Lao Fan asked, "Are you right?"

Chen Yang thought for a while, "If there is something wrong, it is my lending. But compared with others, mine is not a usury at all. Others are all three-point interest, mine is only one and a half cents, and at most two cents. "

"Hmph, according to regulations, any interest of more than one cent belongs to usury."

"However, I have invigorated the rural economy. The document says that the majority of farmers should be actively involved in the commodity economy. Lao Fan, it is by no means empty words to allow the majority of farmers to participate. They have no money, so you have to give them some money."

Lao Fan smiled, "So, if you lend money to others and charge high interest, you still have merit."

"Lao Fan, let me give you an example. In our village, there are now hundreds of people engaged in long-distance sales. It is to wholesale small department stores on Luqiao Street, and then transport them to other provinces for retail. Normally, each of them needs two or three hundred yuan per trip. capital. But almost none of them have this capital, how do you solve it?"

"They don't have any savings of their own?"

"Yes, but as far as I know, there are almost no more than 100 yuan. Most of them are tens of yuan, and some are penniless. Lao Fan, you must know that it is not easy to travel far. Two 300 yuan of capital, In order to make a certain profit.”

"They can go to the credit union for a loan."

Chen Yang laughed.

Lao Fan glanced at Chen Yang, "What are you laughing at?"

"Hehe, I said, you can't be angry."

"I am not angry."

"Old Fan, it seems that you still don't understand the countryside and farmers. Ordinary farmers, that is, the majority of farmers, credit unions will not lend them money. The only channel for them to raise money is mutual lending."

Lao Fan thought for a while, pointed at Chen Yang and said, "My boy, you taught me a lesson."

"Old Fan, the countryside is like that. If you are poor, you want to change. If you give him some sunshine, he will be brilliant."

"Xiao Chen, tell me again, what are the financing channels for rural people?"

Chen Yang laughed again.

"Stinky boy, what are you laughing at?"

"Hehe... You can say the word financing, which is already very remarkable. I dare say that most of you don't know this word and what it means at all."

"Hey, praise me? Thank you."

"In addition to savings, there are several ways for rural people to raise funds. One is to sell rations or pigs, chickens, ducks, etc., the other is to borrow money from relatives and friends, the third is private loans, and the fourth is to raise funds in the form of gatherings."

Lao Fan nodded, "The latter two methods require the payment of interest."

"The common point is the payment of interest. But there are also differences. The party needs to find at least eight or ten people or more, which is more difficult. So both interest and favor must be paid."

"Well, private lending is simple and direct."

Chen Yang said clearly: "Economic activities should be separated from human relations, so private lending is the best form. Of course, there are also human relations between the two parties of private lending, but they are no longer important after all. I can say this, when private lending prevails in rural areas Therefore, there is no need to educate the rural people about the commodity economy.”

Lao Fan looked at Chen Yang again, "I have read a lot of books recently."

"Five or six, just five or six."

Lao Fan pointed to the bookshelf, "Are there any books you like here?"

"Yes, Marx's "Das Kapital". I went to the Xinhua Bookstore several times, but I couldn't buy it."

"Okay, I will give you this set of "Das Kapital"."

"Give it to me?"

"Yes, you take "Das Kapital" and go home."

"I, shall I go home?"

(End of this chapter)