Reborn to be rich

Chapter 155 Rural Cooperation Fund Office

Zhang Guodong, Yang Xiaowei and several leaders of the county stood in the meeting room on the third floor of the county government through the window and outside the door.

At nine o'clock in the morning, a clerk opened the gate of the government, and the people outside rushed to the "Rural Cooperation Fund Office".

"They all line up one by one. There are the loan instructions and the loan procedures. After reading the content there, you must make sure that the procedures are complete before you come to this room. Only after you get the number in this room can you go to the third floor to apply for a loan." An clerk blocked The people who were about to rush to the third floor patiently introduced them.

"I still need to read the notice and go through the formalities! If the county wants to distribute money, it depends on our hard life. I, Yuan Yuan, can't read. Get out of the way. If you are late and get all the money, I will ask you." A 1.9-year-old man with a height of more than 50 meters was about to push away the clerk when he stepped forward. It was a magic weapon for many villagers to come to the county government, and it was tried and tested.

"I am a staff member of the County Government's Rural Cooperation Fund Office. If anyone of you touches me today, I guarantee that he will not get a cent of loan funds in his life."

This clerk is obviously a person with the ability to handle affairs. When he went down, the people in front of him all stood up. Although they really wanted to get the money earlier, the other clerk would not let him go up at the door, so they didn't have the guts to rush up.

"Aren't you just a small clerk? Yang Xiaowei, a high-ranking county official, took charge of the loan fund himself. Are you trying to get a kickback or something?"

These villagers seemed intent on not wanting to line up. At this time, a young man in the crowd called out, and Zhang Guodong clearly saw that several officials from the county government had already reported to the young man, and that he could be arrested at any time if he made any changes.

"The state owns the state law, and the family has family rules! There must be rules everywhere. The rural cooperative fund office established in the county is to provide funds to the people who lack funds to expand the scale of planting. This is different from poverty alleviation. Borrowing must be repaid. If you come here with the attitude of receiving money, you should go back early! All the loan procedures are there, and there will be staff reading to you if you are illiterate." The clerk patiently explained.

At this time, some villagers in the crowd started to yell again, saying that the township government was just looking for the common people for fun, and some people asked how much money they could keep if they borrowed money.

"The money is 20% in everyone's hands, but the money can only be used to buy farm tools, mulch, machinery, etc. It is written there! The Rural Cooperation Fund Office is run by Zhang Guodong, the village chief of Zhangjialing Village. There are more than [-] loans there. Choose, you can find a project loan that suits you.”

The clerk tried his best to introduce it to everyone. Some people in the crowd did not come to make trouble. They walked to the bulletin board and carefully read the content on it. After a while, many people leaned over. Only a dozen people were still at the stairs. Confused about going up to get the money, Yang Xiaowei on the third floor asked the secretary to record these people after seeing it.

"Secretary Yang, do you remember that they are trying to find the troublemaker behind it?" Zhang Guodong was no longer cold at this time, he asked.

"Even if we catch more than a dozen of them, we won't be able to ask anything. As long as we do this, I don't know how black it is in the end. I will give them credit ratings. They are all black now. Two credits." Yang Xiaowei explained, took this document and opened it to page 96, where the increase or decrease of credits was written.

All villagers' credit ratings are one star at the beginning, and the loan amount is only 200 yuan. The loan stipulates that the loan can only be used for the special Zhangjialing cooperation project. If someone fails to plant their crops according to the contract, the credit rating will directly become negative. If you can't repay the loan, your credit score will be reduced to black two stars. If someone dares to turn around and sell the things they got from the loan, then they will be directly blackened to black three stars.

Black three-star farmers are not allowed to participate in the factories established by the county government, Zhangjialing and other cooperative units, nor to cooperate with them in any form. Without the county government’s subsistence allowance subsidy, even if the family farms, they can only stay to eat or pay public grain. Zhangjialing buys Station will not accept.

This punishment is not insignificant, unless you pay off all the loans and interest, you can turn into a black two-star user, and the black two-star does not have the strength to continue lending, but you can sell your own agricultural products to the agricultural purchase station, so it is better to be diligent Not too poor.

Black One Star refers to those users who have not paid all their loans on time. Because they have not paid off their loans, they cannot continue to apply for loans at the "Rural Cooperation Fund Office", nor can they be guarantors for other people's loans.

Zhang Guodong carefully studied Xia Yang's guarantor policy. Every villager whose loan exceeds 500 yuan needs a guarantor to provide a guarantee. If the villager's credit rating becomes a black star, the guarantor will be the same as him.

Only Red Star can be the guarantor. If you don’t repay the money at that time, it will not affect you alone. Two guarantors are required for 1000 yuan, three guarantors are required for 2000 yuan, and four guarantors are required for 5000 people at the same time, and one of them must be a villager. For 1 yuan, five people need to guarantee it at the same time. At that time, the village head and senior officials of the village will have to guarantee it.

The maximum loan amount for Red One Star is 200 yuan, which is basically only enough to buy fertilizer and seeds. If you want to borrow more, you must be guaranteed by someone, unless you can rise to a star yourself.

It is also very clear in the star-raising document that there are three methods of star-raising, which are academic star-up, asset-up, annual star-up, and contribution-up.

As the name suggests, you can get a star if you have a degree.The document states that students who study above high school and technical secondary school can apply for direct promotion to red 2 stars, and those with bachelor degree or above can directly promote to three stars.

In addition, assets of [-] yuan can be upgraded to two red stars, one hundred thousand to three red stars, one million to four red stars, and ten million to five red stars.

Red five-star is the highest credit, the maximum loan amount is 100 million, red four-star maximum loan amount is 10, red three-star maximum loan amount is 1, and red two-star maximum loan amount is 1000 yuan.

It only needs to repay the loan on time for one year to upgrade from one star to two stars, and to repay the loan on time for three consecutive years to upgrade from two stars to three stars.It is more difficult to go up after reaching the red three stars. You need to apply to the county government yourself. Only when the total amount of loans and investment projects in previous years have been inspected and approved can you be promoted to a star.

If this set of regulations continues to be implemented, many flies will not be able to bear it. There are usury loans in many rural areas. A loan of tens of yuan and 100 yuan can give you thousands of yuan a year. With the "Rural Cooperation Fund Office" ", the living environment of these people must be compressed.

Besides, the funds that you have borrowed are not forbid you to loan, but you only need a guarantor, and two people cannot guarantee each other. Guarantees, how many people will be brought into disaster if this line goes down, and if you don’t pay back the money, the interests of these people will be damaged, and the risk of fraudulent loans will increase.

Zhang Guodong quickly browsed through all the stipulated clauses. This clause is obviously much more careful and reasonable than the one they gave him. For high-level officials, if the credit of the borrowers becomes black, the future of many officials will be affected.

The extent of this loan involved is unimaginable. Yongkang County took the first step into the credit system. After reading it, Zhang Guodong also found some small loopholes in it, but this system is epoch-making.

Discussed the issues in the regulations carefully with several leaders including Yang Xiaowei. Everyone could see such hidden loopholes at a glance to Zhang Guodong. However, they didn’t know that in the era of credit cards in later generations, credibility has become popular in the whole of Huaguo. Online research found that There are countless examples of fraudulent loans.

From nine o'clock in the morning to eleven o'clock in the morning, a person finally completed the formalities and was issued a sign to the third floor.

The place where the loan was processed on the third floor was opposite the meeting room, and a deputy county magistrate personally sat in and reviewed the other party's materials.

This villager is from Hongqiao Township and plans to buy a few pigs in the spring. Now there are more and more people raising pigs in Yongkang County. Everyone buys piglets in Zhangjialing in the spring. They can earn hundreds of dollars by killing them a year ago.

"He plans to build a pigsty with ten pigs, and there are eight piglets. He bought two piglets a year ago, and the family is short of 8 yuan." A county government worker came out from the opposite office and took Bring a piece of paper to Yang Xiaowei.

"Everything is done according to the regulations, and there is no need to report to me!" Yang Xiaowei said.

With the first person’s successful loan, the county government will send the piglets and building materials he needs to their home three days later. Others believe this after seeing it, and they all start to open certificates in their own villages. Some people even saw the content of Zhangjialing's cooperation and planned to ask the village cadres to guarantee the loan. For a while, those who came here to make trouble didn't know what to do.

Yang Xiaowei is not afraid of the large number of people who have just applied to join the "Rural Cooperation Fund Office". Up to 200 yuan per person is enough for the villagers to buy seeds and fertilizers. This cannot affect the development process of the entire "Fund Office".

In the afternoon, several people took out a loan of 2000 yuan. This is the largest amount that can be borrowed without a guarantee in the village. The reason for the loan was stated to be to plant corn with plastic film, and to undertake the planting of corn on more than 200 acres of mountainous land in the village. Same.

Yang Xiaowei drew attention to these few villagers who had borrowed large sums of money. He could imagine these fraudulent loans, and he had to go through these things if he wanted to carry out this big project of the "Rural Cooperation Fund".

Zhang Guodong rode his bike back very late in the afternoon, and it was still cold at night. When he arrived in the village, he was almost frozen hard.

In the next few days, rumors about Zhang Guodong’s granting loans to the entire county were widely circulated. As for the loan system, everyone began to discuss among the crowd. Many villagers in Ganjing Township also went to the county to apply for loans together, and many of them were multiple people. Secured loans are large.

Arriving on the ninth day of the first lunar month, Zhang Guodong saw a publicity vehicle from the county seat taking it to the Guanlu intersection at noon.

The entire Yongkang County "Rural Cooperation Fund" is in a hurry. Some people are waiting to see Zhang Guodong's jokes. Some of my people looked at the terms of the agreement given by Zhangjialing Village to calculate their income, and borrowed their own start-up funds within their own risk repayment ability.

On the tenth day of the first lunar month, before the relatives in the countryside had finished their visits, each household began to buy lanterns for the Lantern Festival for their children, and Guanlukou is the most popular place for lanterns in Yongkang County.

In terms of purchasing power in the entire Yongkang County, even the county seat is not as good as Zhangjialing Village. Since last year, after the eighth day of the Lunar New Year, there are a lot of people selling lanterns here.This year, these lanterns also began to come in various varieties. From Guanlukou to the north for hundreds of meters, to the first team of Beizhuang Village, there are all lantern sellers.

All kinds of lanterns attracted guests from all over the world. Ouyang Xinlan went to Chang’an Railway Station early this morning to receive 184 people from the troupe’s training group. In the afternoon, the crew came to the official intersection of Zhangjialing. There were also many props and salutes, so I rented five buses, and when Ouyang Xinlan arrived at the intersection of Guanlu, she saw Zhang Guodong and all the villagers waiting on the side of the road.

The firecrackers kept ringing, and the cast and crew of "The Romance of the Three Kingdoms" came to Zhangjialing Village for the first time.

When we got off the train, everyone was shocked by the historical and cultural heritage of Qin Province. The towering city wall can be seen just outside the train station. It can make you deeply feel the greatness of our ancestors 2000 years ago.

After passing through the city of Qin, the cast and crew of "The Romance of the Three Kingdoms" were also amazed. There are thousands of ancient tombs everywhere in the Guanzhong area of ​​Qin Province. There are more than 1000 tombs of famous historical figures alone. You can find several historical places in any county. The place where people are buried.

After passing through Yongkang County, the hearts of the actors and crew began to sink. I don't know how remote the village is going to. Is it really okay for the crew to put the filming location here?

But when they got to Guanlukou, the crew of "Romance of the Three Kingdoms" saw the prosperity of Guanlukou. It was hard for them to imagine that there would be such a bustling downtown area in such a place. The faces of the villagers, the countless passenger flows and shops make you feel that this place is not much different from ordinary cities.

Zhang Guodong was the first to see director Wang Fulin who got out of the car. He was the first to go up and introduce the various village committees in his village. In the next two years or so, everyone will have to deal with each other. It is very important to develop a good relationship with each other.

Director Wang Fulin also introduced the other five directors and other key members of the crew to the village committee of Zhangjialing Village. After everyone got to know each other, the villagers of Zhangjialing helped the crew transport the salutes to Zone B of the film and television city.

The No. 20 and No. [-] courtyards in District B have been renovated and are ready for occupancy. Zhang Guodong also prepared more than [-] houses in the palace compound in District E for the crew to live in. These houses have been renovated since they were completed, and they are still the first. Once someone checked in, it can be seen how much Zhang Guodong attaches importance to the "Romance of the Three Kingdoms" crew.

The wooden houses are all painted with ancient paint, and the kang in the house has been burning since the winter in the room, so there is no formaldehyde dampness.

(End of this chapter)