I'm really just the village head

"Let’s go to the tractor factory first. Anyway, we won’t leave until 6 o’clock tomorrow morning. You can also ask Qianshan to send you to the county seat at that time. You might as well go back and explain to your mother-in-law and baby." Liu Chunlai did not rush back. .

Now that the tractor has been developed and the customer has no money, this matter must be resolved.

Farmers also have no money.

If you want to owe it, it won't work.

Liu Chunlai actually had an idea in his mind, and it is not clear whether it is feasible or not. This matter must first look at the specific situation at the machinery factory.

"Captain, you are here."

As soon as Liu Chunlai arrived at the machinery factory, the leaders of the machinery factory who had received the phone number from the guard came out of each office, with an expression like the oppressed poor middle peasants who were looking forward to the Red Army.

His face was full of joy and excitement.

"The performance of the tractor has been stabilized. We have tested it and there is no problem with pulling seven tons of rocks or climbing steel..." Technical section chief Yue Ping hurriedly shared the results achieved so far. There are currently no orders..."

Both father and son, they dare not offend.

Party Secretary Liu is the father of Captain Liu, and Captain Liu is the actual speaker.

The captain must be in charge of the secretary, and the son must be in charge of his father...

"Have you given birth?" Liu Chunlai asked, frowning.

The old man didn't tell himself this.

If the old man is still like this, he will have to intervene in everything. At present, there will be no major problems. When it develops and grows in the future, it will cause major problems in some large projects that are related to the next few years or even longer.

"Not yet. We can't figure out the specific meaning of Secretary Liu. You said before. If there is no order, don't rush to produce." Chen Yuhe explained hurriedly.

Liu Fuwang said that ten tractors could be produced first.

The problem is that if this is produced, if there is no order, the cost will have to be paid by their leader.

After Liu Chunlai contracted Tianfu Machinery Factory, the director responsibility system has been fully implemented.

The power of the factory director is greater than before the contract, and Liu Chunlai only looks at the results.

While the rights are great, the responsibilities are far greater than before.

After all, Liu Chunlai is actually the highest person in charge.

"Everyone is idle now... In the past, many agricultural machinery and equipment were sold through the agricultural technology station. Each brigade or commune owed it first. When the grain was collected, it was shared..." Zhao Guoliang, as the sales section chief, A lot of pressure.

He still hopes to use this way.

Tractors are large items, and ordinary people simply cannot afford them.

Most of them are purchased by units such as various brigades or communes.

When the state collects grain every year, the county's overall funds are also deducted from grain.

Don't worry about not getting it back.

It's just that it takes longer.

Long time will not lose anything, after all, there is interest.

"This kind of sales method is not advisable. Farmers are already burdened with heavy burdens. This is not conducive to our future development." Liu Chunlai directly rejected it.

The peasants of this year are indeed very burdened.

At the end of the year, a large part of the grain produced has to be paid the national tax and local overall planning. Without the large use of chemical fertilizers, pesticides and fine seeds, the output is not high.

Even if the production is guaranteed to the households, many people, the surplus grains, don't think they can eat all the year round.

If you eat less porridge, you won’t be able to harvest the next year.

Liu Chunlai understands the situation in the countryside.

Naturally, it is not possible to let the communes collect more from the farmers in order to sell them.

"Not so, let alone the various communes or brigades below, even the county finances can't afford to pay. Every year there are not many deposits, but there are a lot of places that need to spend money in the county..." Zhao Guoliang Some concerns.

Otherwise, how can I sell it?

From the very beginning, Liu Chunlai asked to produce according to the order. They didn't accept credit, and they knew that the work was difficult to start.

When faced with it, I realized how difficult it is.

"Manager Liu, now that the households are contracted for production, many farmers have some savings on hand, but there are not many people in the county's ten-thousand-thousand households. A tractor costs thousands... if you want to buy and have money, even less Now..." Ma Yumin also frowned.

If Tianfu Machinery Factory had not contracted Liu Chunlai, it would have never faced such a problem.

The market has demand, and they have products.

Just because the people who bought the tractor were unable to provide the funds, it made them unable to produce either.

"This is really a problem. No one has much money now, but those who want to buy a tractor can get a loan from a credit cooperative. As long as the county finance bureau agrees or the rural credit cooperative agrees..."

Liu Chunlai said with a smile.

At present, there are not many banks in the county, but credit cooperatives, which are the most common financial institutions.

From the very beginning, Liu Chunlai was planning this matter.

Promote consumer loans in the county in advance.

In this way, it is also of great benefit to the development of the county.

Credit unions also provide loans, but the interest is very high.

If the county government has money, it is easy to do other things.

You can't count on the little grain that the peasants harvest from the ground.

"Isn't this passing the cost to the farmers? It's no different from directly owing them on credit." After listening to Liu Chunlai's explanation, Chen Yuhe really couldn't understand the difference between what Liu Chunlai was saying now and what he said before. .

When a commune borrowed money to buy tractors from their factory, these costs still had to be passed on to the farmers, and they were the ones who were scolded in the end.

"Yes, Manager Liu, it doesn't make any difference." Ma Yumin also didn't understand. "Because the credit cooperative loan interest is higher, the farmers need to share more..."

"That's different." Liu Chunlai shook his head. In the early 1980s, consumer loans were completely new. "Although it seems that the cost will be much higher. But tractors can run for transportation and can make money. Moreover, the credit union first helps. By paying the purchase price of the tractor, the tractor is mortgaged to the credit union, and then the person who buys the tractor can pay a sum of money first..."

It looks simple, but it's complicated.

Especially in the face of most people who don't understand this at all.

For people of this age, the loan is to get the leader to approve the note, and then the cooperative will directly disburse it if there is money.

Rural credit cooperatives belong to the state, but cooperatives belong to the pocketbook of local governments.

Although it is a farmer's cooperative, after farmers sell grain every year, almost all the money left after deducting various expenses is stored in it, and it is almost impossible to get cash.

In various places, money is generally embezzled by local governments.

"Dare you come at another time?"

For Liu Chunlai's arrival, Lu Hongtao was really unwelcome to the extreme.

At this moment, it's time for dinner.

It's fine for Liu Chun to come and eat. This dog said, getting more and more excessive, and he actually brought a group of leaders from Tianfu Machinery Factory.

Even though the county government canteen said that Liu Chunlai kept the account, it couldn't do it every time, right?

"Lv County Magistrate, I have an idea about the problems faced by Tianfu Machinery Factory's tractor sales..." Liu Chunlai looked contemptuous. If a county magistrate stings to such an extent, it is estimated that the whole country cannot find a second one.

I was too lazy to argue that I had a bookkeeping book in the cafeteria, and the county magistrate, Lu Hongtao, specially ordered the cafeteria to keep accounts for himself.

Hearing Liu Chun talking about tractor sales in Tianfu Machinery Factory, Lu Hongtao suddenly stopped speaking.

"Let's go, call Secretary Xu together, he is also worried about this. He is eating and talking, but you still have to keep your account..."

"You are the county magistrate, the leader, you have to pay attention to your identity." Liu Chunlai said angrily.

Lu Hongtao just curled his lips and said nothing.

The dog said, standing and speaking can't speak with back pain.

In the past, every time Liu Fuwang and Yan Jinsong came, they had to entertain them and let them fight their teeth.

At that time there was nothing.

After all, they may not come back once a month.

Now it’s different. With Liu Chunlai contracting a factory in the county, these two old things came to the city every other way, and the magistrate Lu, who was paid, couldn’t hold back asking them to eat meat and drink every day, right?

"Let the cooperative play a role. Loan the people who buy the tractor, and the money is directly given to Tianfu Machinery Factory, and then the person who buys the tractor will repay a sum of money monthly?" Xu Zhiqiang frowned after hearing Liu Chunlai's plan.

Is this kind of operation too complicated?

Even Lu Hongtao couldn't understand why Liu Chunlai wanted this.

If you want to get the money, let the cooperative loan to the person who buys the tractor and directly give the money to the machinery factory.

"The agricultural machinery stations of the communes are not only responsible for the maintenance of agricultural machinery in the area, but also for the sale of agricultural machinery in these places..." Lu Hongtao suddenly said something irrelevant to the topic.

Agricultural machinery station!

The grassroots supporting units in every commune.

It seems that Liu Chunlai does not intend to follow the previous mode of operation.

"The agricultural machinery station belongs to the grassroots unit under the government. The Tianfu Machinery Plant is now contracted by us and belongs to the partner...helping to sell a tractor, which can be part of the profit..." Liu Chunlai hurriedly said.

Lu Hongtao can play this abacus!

I actually want to let myself take over the agricultural machinery stations of the various communes.

The agricultural machinery stations of the communes hardly generate much benefit, and they belong to the supporting projects of government functions.

If it is an area with a high degree of mechanization, there are at least two or three people in each commune’s agricultural machinery station.

Dozens of communes in the county!

Liu Chunlai didn't want this group of people.

Lu Hongtao didn't expect Liu Chun to be so vigilant, he blocked himself as soon as he started talking.

The county government has a long way to go to reduce the burden on fiscal expenditures.

"What is your purpose like this? The cooperative actually can't make any money." Xu Zhiqiang couldn't understand it, so he asked Liu Chunlai about the purpose.

Having been in contact with Liu Chunlai for such a long time, although he is young, he is definitely more slippery than Loach.

More cunning than his father Liu Fuwang.

"That needs the county financial guarantee. Once the cooperative is used well, it can make outstanding contributions to the economic development of the county. Many people are not without business acumen, but lack the principal. And farmers have to buy all kinds of higher prices. There is no guarantee of property, and the cooperative is afraid that it will not be able to get it back, and it does not dare to borrow too much. This forms an endless loop..."

Liu Chunlai sorted out the most common consumer loans and car loans in later generations, and explained the operation mode that fits the situation of this era.