Mu Chen

29, borrow money

Mu Wen had seen several factories for rent.Most of the factory buildings are relatively dilapidated and located in remote places, and the most important thing is that they can only be rented for a short period of time, and the longest one can sign a three-year lease contract.Because it is a state-owned asset, business leaders have limited authority to dispose of it and are relatively sensitive.

In the end, what Mu Wen set his eyes on was a small collective enterprise. It was originally a small factory on the street, producing rubber shoes, which had been prosperous for a while.

Now, because of the limited variety of products, outdated equipment and backward technology, and the fact that most of the workers in the early days were street women, there was no social security at that time. The wages of retired employees were all paid by the factory where they worked. The income was low and the cost was high. Businesses are unsustainable.

Since last year, public auctions have been launched to the public to raise funds to solve the problem of employee placement, that is, buyouts. How much is the one-time compensation for those who are working, and how much is the salary for those who are retired.

The factory is not big but the location is very good, it is in a relatively central street, not too far from xx factory, so it is convenient to take care of Mu Chen.

It is difficult for Jiangcheng to recruit people now. Another reason is that the factory is in the village, and there is no room and board, and there are no buses to and from get off work.

What Mu Wen likes the most is that the equipment in this factory is old and not worth much money, but its factory building is not small, and it is [-]% to [-]% new, and the location is good.

The main reason why the factory has not made a move until now is that it requires reemployment of 50% of the original factory's personnel, that is, about [-] people.

Shicheng is an inland city with a backward economy. The state-owned enterprise has already downsized staff and retreated. Rumors have spread that most of the employees in this factory are middle-aged women in their [-]s and [-]s with no skills.

However, in Mu Wen's view, this is also an opportunity, because he is also worrying about recruiting people.These people are older now, but his factory does not have any difficult operations, and compared to young people in their teens and 20s who don't know what it's like to be sad, these people who have already tasted unemployment and no income may feel better. Cherish this job.

Of course, there are corresponding negative factors, such as poor learning ability, some bad work habits, various small groups, etc., but he believes that this can be resolved.

After discussing with Jiang Cheng, Jiang Cheng also agreed, and he didn't take personnel management seriously.

"When the time comes, the corporate system will be sound, contracts will be signed with employees, rewards and punishments will be all in accordance with the system, and the discussion will not be aimed at individuals. What's the problem?"

Muwen, yes, none of this is a problem.

The problem is that in their original plan, all the factory buildings were rented, and no matter how high the rent was, there was a limit.This one was to be bought, and the asking price was not low. After all, he had to accommodate so many people, plus the new equipment to be bought, because the factory building was much larger than expected, and the equipment would also need to be increased.

In addition, the original plan was to recruit seven or eight people, and he took it slowly by himself. Now that the number of people has increased by more than three times, special training is needed, and the working capital needed to start it is several times more than the plan... ...

Seeing him in a daze, Jiang Cheng knew he was a little worried, got up and took out the passbook from the drawer, "Here you are."

Mu Wen was startled when he opened it, and counted again, "54, have you sold all your precious eggs?"

Jiang Cheng curled his lips, "You think it's beautiful, I can sell it all just to borrow it from you? Besides, my treasures are only worth more than 50 yuan if I sell them?"

Mu Wen, "Speak well."

Jiang Cheng rubbed his nose, "I just sold two stoves and one blue and white stove. You know, I didn't spend any money on that blue and white stove. The stove was only more than 1 when I bought it. I don't have much cost!"

The blue and white flowers Jiang Cheng mentioned were left to him by an old man he healed.The old man has no children, and his economic conditions are not good. He lives in a public house and has a retirement salary of just over 100.

Grandma Jiang also passed away at that time.Jiang Cheng couldn't see such a situation, so he has been taking care of the old man voluntarily after he was discharged from the hospital. He would go there once or twice a week to check his body, bring some medicine, and then clean up and wash his clothes.

In this way, the old man left after more than three years. Before his death, he left a small wooden box for Jiang Cheng, which contained half a box of old books, some cloth tickets, and a few plates. He only said that it was because Jiang Cheng liked old things, and these were He has been using it at home since he was a child. It is not worth much, and it can be regarded as a thought.

Someone saw it later and said that it was real Yuan blue and white, and its appearance was very good, so they had to buy it at a high price at that time.

Jiang Cheng didn't agree, but he kept it well and didn't dare to show it to others easily.In the past, Jiang Cheng always said that Shicheng was too small and too poor, and good things could not be sold at a high price. In the future, he would go to a big place for auction, and it would cost millions to sell, and so on.

Mu Wen, "You still said that this one will sell for 100 million, but now the three are only sold for 50, you..."

Jiang Cheng retorted softly, "It's 52."

Seeing that Mu Wen's face was very serious, "Okay, okay, in the future, if you make a lot of money, you can pay me 100 million. Remember, I don't want 100 million."

Mu Wen... "Okay, the factory is half of you, if you are a brother, don't talk nonsense with me."

Jiang Cheng..."Well, I did the math, and now our plan needs to be adjusted. The original budget of 40 million is enough, but now it is 150 million, which is still very tight. I still have There are a few..."

Mu Wen, "Jiang Cheng!"

Jiang Cheng was so frightened that he fell silent, "Awen, you"

Mu Wen pressed his chest, "Jiang Cheng, I opened the factory to change the way of life, let Chenchen let us buy the things we like and live the life we ​​like, don't just live for survival."

Jiang Cheng, "..." It's also because you were bullied by Yang Li.

Mu Wen, "But now, people are so busy that the hospital can't take care of much, and you need to sell things. If it's just to make money, wouldn't it be nice for me to guard our hospital? If you dare to give If I sell one, don't call it my brother!"

Jiang Cheng was stunned for a while, then whispered, and then said even more quietly, "I asked Uncle Mu, and after deducting the money for the medicine, there is still 90 yuan, let's count it as [-] yuan, and there is [-] yuan left. We don’t have that much collateral for a loan.”

Mu Wen, "Sleep well, I have a solution."

Jiang Cheng saw Mu Wen clutching his chest when he stood up, and couldn't help being anxious, "Ah Wen, you take a medicine for your heart!"

Mu Wen said coldly while putting the medicine in his mouth, "I can feel better if you are less angry."

Jiang Cheng... originally planned to contact the buyer tomorrow, but he really didn't dare to carry it out.

The solution to the problem was surprisingly simple and smooth.

Mu Wen went back to the factory the next day and asked his old colleagues and acquaintances to borrow money. He promised to pay one cent per annum and pay the interest in one lump sum at the end of the year.

There is no mortgage, only an IOU stating the method of repayment of principal and interest, but in just three days, Mu Wen borrowed 47 yuan.

The most is the old dean, [-], and the least is a nurse who just started working this year, [-].

The little nurse's home is out of town, and she is a college student assigned to her. Mu Wen took care of her for more than a month.Hearing that Mu Wen was borrowing money, she hastily brought over six hundred. She was very embarrassed to tell Mu Wen not to think too little. She just sent the money to her family last month and said that there would be no interest and that she could be the last one to pay it back.

Seeing her anxious look, Mu Wen wrote down the IOU seriously instead of refusing, and then returned one hundred, "Thank you, Xiao Zhang, good girl, you did me a favor, but I only charge five hundred." .You just got paid this month, so you have to save some money."

Seeing that the little nurse still wanted to give in, she added, "I just added the five hundred and one to make a whole number, so it's easy to settle accounts."

Mu Wen didn't lie. After calculating the money and adding the loan that can be mortgaged by the hospital, the number is almost the same.

He called Jiang Cheng to tell him about the progress, and he was going to go to the bank to press for the loan again.In the end, Jiang Cheng told him not to go. The people from the credit union saw that Grandpa Mu was going to take out the loan, so they came to see the scene that day. The director also said that he would do something special for Grandpa Mu. loan.

Mu Wen was worried that Jiang Cheng would sell things again, so he rushed back to the hospital without making dinner for Mu Chen.

After asking, I found out that Grandpa Mu also went to borrow money in the past three days, and the old man didn't go to many houses. Everyone heard the news and came to lend money to the old man, and many declared that there would be no interest.

Jiang Cheng sighed, "As of today, Uncle Mu has raised 30 yuan. I am convinced, you two."

Mu Wen and Grandpa Mu also looked at each other and smiled, "Dad, how many houses have you borrowed, and how much are they?"

Grandpa Mu, "There are more old people here. I heard that some of them have seen a doctor in our place. Some of them said that they would not allow interest payments. They only said that we can pay back the book when we have it." , I also confiscated their drug fees when the conditions were poor. What about you? Why are there so many, just from your hospital?"

Mu Wen, "The big head is from our hospital, and many patients in the factory who have seen it before heard about it and came here, usually tens of thousands."

Speaking of this, he laughed again, "Yu Jianguo and his wife went to our house last night to bring [-] yuan. I guess they have saved up in the past few years. I said that this year the factory has built a new batch of buildings. They have to divide There will definitely be some old houses that can be vacated, let them pay attention to this, and don’t want to accept them. In the end, Yu Jianguo got anxious with me, saying that Chenchen has been taking care of his family, Xiaoyong, and I don’t want to accept his money. Just look down on him."

Seeing that Jiang Cheng was stunned, he said, "In the end, I had no other choice, so I stayed. I promised to pay them back as soon as they got a letter about housing allocation. The couple will be happy."

Grandpa Mu also laughed, "Well, that's also a straight person, this is our accumulated blessing."

Jiang Cheng wiped his nose and did some calculations again, "Ah Wen, if we add the 35 approved by the credit union, we can make up a total of 172 million. We don't need that much, why don't we return some of it?"

Unexpectedly, Mu Wen and Grandpa Mu said in unison, "No."

Looking at Jiang Cheng who was stunned, Mu Wen explained with a smile, "Ah Cheng, there are pictures here that we lent us at a higher interest rate, and there are many who sincerely want to help us. No matter what kind, people can lend us We are all helping us, let’s put it aside for now, let’s work hard, except for what they need to use, we will return the rest to them a year or two later, so that people can benefit from it.”

Jiang Cheng, "Okay, I see, based on this movement, I think you can borrow another 100 million without any problem."

Mu Wen, "Then you still sell things indiscriminately?"

Jiang Cheng shook his head like a rattle, "If I don't sell it, I won't sell it. I won't sell any of them for less than 100 million yuan."

Grandpa Mu also laughed at the sidelines, "Xiaowen, you and Xiaocheng should sign the contract tomorrow, and go to the Industrial and Commercial Bureau to change the regulations. It's agreed, this factory is half of Xiaocheng's."

Jiang Cheng yelled, "Okay, Uncle Mu, don't scare me! I'll pay half of the money, my face is so big?"

Grandpa Mu smiled, "Well, you have a round face, Xiaowen has an oval face, and your face is bigger."

Seeing Jiang Cheng's bitter expression, he smiled again, "To be honest, this factory wouldn't be possible without you, Xiaowen. You see, you two made things together, and you bought the equipment together, and the sales were all driven by you." Yes, there are recruiting and so on, you are busy with everything, and you will have to take care of the workers in the factory in the future, I know Xiaowen, his face is too soft, and it is probably impossible to let him take care of people."

Mu Wen also said, "Yeah, when I give you half of it for free, I'm coaxing long-term workers. From now on, I will only care about the product, and spend more time with my dad in the hospital. You can give it to me. Be a long-term worker."

Jiang Cheng...

Mu Wen smiled, "Didn't you talk about it that day, what system, what contract, and training, young man, let's start working on it tomorrow."

Jiang Cheng, "Oh."