A soft-waisted educated youth has sex with a loyal dog and a rough guy in the 1960s

Chapter 1063 Go it alone
"I'm so sorry, I have something else to do right now, I'll come back later."

Turning around and seeing that it was Lu Miao, Fu Jingyou greeted the comrade at the counter, picked up a few papers and walked towards Lu Miao:
"Why are you here?"

"I was going to ask you, what are you doing in the bank?"

As Lu Miao spoke, he reached out to take the order from his hand.

Fu Jingyou wanted to hide at first, but after she glared at him, he had no choice but to give her the thing obediently.

Lu Miao quickly flipped through the pages and looked at him in surprise:
"Interest-free loan?"

"Um……"

"Why did you suddenly want to take out a loan? Is the money in your family's banknotes not enough?"

Lu Miao looked suspicious.

There are dividends to be received in the near future.

Even if you don't count the dividends, there are still tens of thousands of dollars in working capital.

Normally, there are only a few large purchases of over a hundred dollars a year. Is there anything that requires a loan?
"No."

Fu Jingyou shook his head.

Seeing that his wife was obviously serious, Fu Jingyou took her to a corner where they would not get in the way and said truthfully:

"I haven't really said I want to take out a loan yet, I just want to understand the situation first."

Actually, I have understood almost everything just now.

There are several types of loans, including foreign exchange loans, technological transformation loans, and corporate loans.

Policies on poverty alleviation funds have been issued before, and some loan methods are interest-free.

However, the number of state-owned factories reporting losses and being unable to repay loans has increased significantly this year.

Nowadays, loans not only require certain assets to be pledged as collateral, but even if all the necessary documents are prepared, the loan may not be granted.

The outlook is not good, and bank approvals are becoming increasingly strict. I am afraid I won’t be able to pay it back…

Lu Miao frowned, and after roughly understanding the situation, he nodded slightly:
"I know. I just want to know why you are researching these things."

doing what?
"..."

Fu Jingyou was temporarily speechless.

Since he didn't say anything, Lu Miao didn't say anything either.

The two men looked at each other calmly and were in a stalemate for a few seconds. In the end, Fu Jingyou was the first to be defeated.

Knowing that he couldn't win over Lu Miao, Fu Jingyou didn't plan to be perfunctory.

Hiding from anyone's eyes, Fu Jingyou took Lu Miao's hand and asked slowly:
"Do you have anything else to do this afternoon? If not, I'll take you somewhere."

Lu Miao shook his head truthfully:

"There are no other arrangements today. I have asked them to go back first."

Fu Jingyou nodded and took her out as he said.

I used to go out on a bicycle in the morning, and now the bicycle is parked outside the bank.

Fu Jingyou helped Lu Miao get on the bicycle and rode her to the West Second Ring Road.

Actually, it’s nothing else.

But if we want to talk about it, we have to start from when Fu Jingyou met the flock of sheep a few days ago.

At that time, Fu Jingyou was reversing the car and taking a shortcut back to Qingta Hutong. On the way, he accidentally made a discovery.

In an alley along the street outside the West Second Ring Road, a small hardware processing factory is being sold.

When he discovered it, Fu Jingyou went over to take a look.

I have been going out early and coming back late these days, and I have been asking about this matter.

That hardware processing factory was originally run by the street office.

It is not large, occupying an area of ​​three tiled houses and a small courtyard, with a total area of ​​about two to three hundred square meters.

There are five large machines inside, but the equipment has been used for some years.

Large state-owned factories will be able to obtain state funding to upgrade equipment in the future, and the state will also arrange production targets and allocate markets.

Small state-owned units are on the margins of production and are easily neglected.

In addition, the equipment is seriously aging and the production quality is difficult to improve. Once these small factories lack state support, it will be difficult for them to be compatible with the market, let alone compete.

Once a company encounters operational difficulties, the only outcome it faces is bankruptcy.

This is the case with the hardware processing factory run by the street office in front of us.

It was indeed filled with difficulties from all sides, so the subdistrict office had to sell it off hastily.

Otherwise, if you continue like this, bankruptcy is the smallest thing, but bankruptcy and being in debt is the biggest thing!
In the past, Fu Jingyou also talked to Lu Miao about setting up a factory and running his own business.

But the idea of ​​going it alone actually only came to me recently.

These were the feedbacks he got during his job hunting period. With the major he studied, it would be better for him to start his own business instead of working in a factory.

When Fu Jingyou discovered this small hardware processing factory, he felt it was an opportunity.

But he was just considering it temporarily and had not really made up his mind yet.

After all, just buying this factory would cost 80,000 yuan.

Eighty thousand yuan!

This is not a small number.

If we put some money together, we can probably make it at home.

But the family should also set aside money for expenses.

Another thing is that there are other unknown risks in running your own factory.

Most of the money on the note was saved by my wife.

Fu Jingyou felt very uncomfortable taking the risk with that money.

With so many twists and turns, Fu Jingyou had to think more and come up with a safer solution.

That's why Lu Miao saw him in the bank asking about loans...

Lu Miao listened to what he said on the way, and when he arrived at the place, he walked a few steps into the alley and looked at it carefully.

The alley is very shallow, and at the end it faces the half-opened iron fence gate of a hardware processing factory.

There was a sign on the door that said "Transfer" in bold ink. No wonder Fu Jingyou saw it when he drove by...

At this moment, the gate was locked and there was no one in the factory.

Lu Miao stood outside the fence gate and looked inside.

There were two lumps in the yard, and they were covered with rain cloth so it was impossible to tell what they were.

Turning around, I saw three long rows of rooms with old doors that were also locked.

Turning back to look, the windows were also in tatters, some even covered with paper...

A quick glance at it makes it look more like a low-end, black-hearted workshop than a factory...

Lu Miao looked back at Fu Jingyou uncertainly:

"Have you seen what it's like inside?"

Fu Jingyou nodded:
"I've seen it. The equipment is a bit old, but it's still usable."

Taking a family as a unit, 80,000 yuan is a lot.

But if we take the factory as the unit, 80,000 is just a small amount of money.

Although the equipment in this hardware processing factory is seriously aging, it is still usable and still has value.

It just so happened that the street office didn't want to do the business anymore and was in a hurry to sell it off.

Under normal circumstances, 80,000 yuan might not be enough...

"If you think it's okay, let's do it."

Lu Miao nodded after hearing this and made a decision:

"But as for the money, we shouldn't ask others if we can get it ourselves. You just said that it's not easy to get a loan now, so let's just forget about it. If we plan to do it, let's go back and raise the money now."

Although Lu Miao didn't understand anything about hardware or equipment, Fu Jingyou studied this, so he understood.

As long as Fu Jingyou has looked at it himself and thinks it is feasible, he can give it a try.

Lu Miao thought about it, and without saying anything, he took Fu Jingyou's arm and led him out of the alley.