Chapter 1323 Borrow money? No way!
Chapter 1323 Borrow money? No way!
Qin Hao followed Lei Shigen all the way back to Xiao Lei's house. When the villagers along the way saw them, they all surrounded them and asked about Lei Dongbao's situation.
"Brother Shigen, how's Dongbao?" "I heard Dongbao was taken away by the county, is that true?" "What will happen to our Xiaolei family without Dongbao?"
Lei Shigen had no time to deal with these questions, and just waved his hand haphazardly: "Don't ask anymore, I'm trying to figure something out!" After saying that, he pulled Qin Hao and hurried towards the team headquarters.
Qin Hao noticed that the once bustling village road was now deserted, with only a few villagers looking anxious. Several elderly people squatted by the wall, smoking their pipes, their brows furrowed; women huddled together whispering, glancing towards the team headquarters every now and then; even the children who usually played and frolicked were now quietly following their parents.
At the entrance of the team headquarters, the old Party Secretary was pacing back and forth with his hands behind his back, occasionally glancing up towards the village entrance. Shi Hongwei was squatting on the steps, smoking one cigarette after another, leaving a pile of cigarette butts on the ground.
"Uncle! Hongwei! I've brought Haozi here!" Lei Shigen called out from afar.
Upon hearing this, the old Party Secretary rushed forward, grasped Qin Hao's hand, and his wrinkled face was filled with anxiety: "Haozi, Dongbao is truly innocent! You must save him! Our Xiaolei family has worked so hard to get to where we are today. Saving Dongbao means saving everyone in our Xiaolei family!"
Qin Hao could feel the old man's hands trembling slightly. He gently patted the old Party Secretary's hand and reassured him, "Uncle, don't worry. Shigen has told me everything. The most important thing now is to find the account books."
"Yes, yes, yes!" The old Party Secretary slapped his forehead. "Look how flustered I was! The ledger! Finding the ledger is the most important thing!"
Shi Hongwei stubbed out his cigarette and stood up, saying gruffly, "Haozi, what's your plan to find the ledger? We're all at your beck and call!"
Qin Hao looked around and said in a deep voice, "Here's what we'll do: call everyone who has a key to the team headquarters to the headquarters. The person who stole the ledger is among these people. Anyone who doesn't dare to come here proves they have something to hide."
Lei Shigen and Shi Hongwei exchanged a glance and immediately went their separate ways. The old Party Secretary looked at Qin Hao and tentatively asked, "Haozi, are you trying to alert the enemy?"
Qin Hao nodded: "Let's give it a try. If we can figure it out, it'll save us from wasting time in court."
Less than fifteen minutes later, Lei Shigen returned with the accountant, Four-Eyes. Four-Eyes was a tall, thin man who wore glasses and looked timid.
A few minutes later, Shi Hongwei grabbed Lei Sibao by the collar and dragged him in like a chick.
"Let me go! Hongwei, what are you doing!" Lei Sibao struggled, his face showing obvious guilt.
The old Party Secretary frowned: "Hongwei, let's talk this out. Why did you have to resort to violence?"
Seeing someone speak up for him, Lei Sibao immediately perked up: "Uncle, he's bullying me! I didn't do anything, and he just hit me!"
Shi Hongwei pointed at Lei Sibao and cursed, "If you weren't guilty, would I have beaten you? Just now, as soon as I said the person who stole the ledger was among the few of us who had the team headquarters key, he tried to run away!"
Seeing the strange looks he was getting, Lei Sibao quickly protested, "No! I just remembered something I needed to take care of at home."
"Alright," Qin Hao interrupted him, tapping the table. "Now that everyone's here, things will be easier."
He surveyed the crowd, his gaze sharp: "I'll give the person who stole the ledger one more chance. Admit it now and hand it over, and we'll let it slide. But if it's discovered later, things won't be so lenient."
The people present looked at each other, and no one said a word. Shi Hongwei and Lei Shigen both stared at Lei Sibao with suspicious eyes, making Lei Sibao feel uneasy: "It wasn't me! You're really trying to frame me!"
Before he could finish speaking, Qin Hao said directly to Four-Eyes, "Four-Eyes, get some paper and some Indonesian paper. You guys write your names on them and then put your thumbprints on them."
Four-Eyes responded and turned to go into the inner room. Lei Shigen asked suspiciously, "Haozi, what are you doing?"
Qin Hao explained casually, "There's a technology now called fingerprint extraction. Everyone's fingerprints are unique. If someone picks the lock, their fingerprints will definitely be left on it. By extracting the fingerprints from the lock and comparing them with your fingerprints, we can find out who picked the lock and stole the ledger."
Lei Shigen and Shi Hongwei immediately looked at Lei Sibao.
Lei Sibao was terrified, breaking out in a cold sweat, but still stubbornly insisted, "Fingerprint extraction? I've never even heard of it!"
Qin Hao sneered, "You're just ignorant if you haven't heard of it. This technology has existed for a long time; many criminal cases abroad have been solved this way."
Upon hearing the words "criminal case," Lei Sibao's legs went weak, and he knelt down in front of everyone with a thud: "I...I really didn't mean to harm Dongbao! I...I wanted to help him."
Shi Hongwei grabbed his collar: "Oh, it really is you! Tell me, where's the ledger?"
Lei Sibao cried, "The ledger... that old monkey burned the ledger!"
"What?!" Shi Hongwei immediately became agitated upon hearing this, punching Lei Sibao several times: "Are you an idiot? Why did you steal the ledger and give it to that old monkey? He's only interested in ousting Dongbao and becoming the secretary himself!"
Lei Shigen was jumping up and down in a panic: "It's all over! The ledgers have been burned, Dongbao... Dongbao is completely in trouble!"
Lei Sibao, his nose bleeding profusely from Shi Hongwei's beating, cried out, "This isn't my fault! I was tricked by that old monkey! I was just trying to help Dongbao check the ledgers for any incriminating evidence against him, and I was going to change it for him. Then that old monkey caught me. He said he couldn't even understand the ledgers and had no idea how to change them, so he came to help me. Who would have thought he'd burn the ledgers! I really didn't mean to!"
The old Party Secretary was both angry and anxious: "Sibao, what can I say to you? Don't you know what kind of person that old monkey is? You actually believe what he says?"
Just when everyone was in despair, Qin Hao turned his gaze to the bespectacled accountant. The accountant felt a chill run down his spine under Qin Hao's gaze: "Haozi, why...why are you looking at me like that?"
Qin Hao casually remarked, "I remember you, aren't you Old Monkey's nephew?"
Upon hearing this, Shi Hongwei and Lei Shigen immediately glared at Four-Eyes. Four-Eyes panicked, "I broke off all ties with that old monkey a long time ago! Don't wrong me!"
Qin Hao walked up behind Four-Eyes and patted him on the shoulder: "Four-Eyes, I'm willing to believe you're innocent. But given your relationship with Old Monkey, once the villagers of Xiao Lei find out that Old Monkey burned the account books and Dongbao went to jail because of it, what do you think the villagers will do to your family?"
Four-Eyes trembled: "I...I secretly kept a copy of the ledger, originally to avoid being implicated. This ledger is enough to prove that Dongbao did not embezzle."
The situation took an unexpected turn. The old Party Secretary's face lit up with surprise, and he grabbed the bespectacled man's arm: "Where's the ledger? Bring it here quickly!"
Four-Eyes: "It's at my house. I'll go get it right now."
Shi Hongwei and Lei Shigen immediately followed, saying, "We'll go with you!"
Lei Sibao wiped the blood from his nose and complained to the old Party Secretary with a pitiful expression, "Uncle, look what Hongwei did to me."
The old Party Secretary was furious: "You have the nerve to say that! The stupid thing you did almost got Dongbao in jail, and our Xiaolei family's business was going to go down the drain! A few punches would be the least of my worries! Just wait until Dongbao gets out, then I'll settle the score with you!"
About five minutes later, Four-Eyes returned to the team headquarters carrying a thick ledger. Shi Hongwei and Lei Shigen followed behind him on either side, as if afraid he would run away.
Qin Hao clapped his hands: "Now that the problem is solved, I'll be heading out. Pingping's waiting for me to eat."
The old Party Secretary grasped Qin Hao's hand tightly, saying gratefully, "Haozi, we owe you so much this time. Otherwise, we really wouldn't know what to do!"
Qin Hao pointed to the ledger: "You'd better send the ledger to the investigation team as soon as possible. The sooner the truth is found, the sooner Dongbao can be released."
Upon hearing this, Lei Shigen and the others seemed to wake from a dream, and quickly rode their bicycles to the county with their account books.
Three days later, Lei Dongbao was released. He had lost weight and was unshaven, but he was in good spirits. As soon as he returned to Xiao Lei Village, he convened a meeting with the old Party Secretary, Lei Shigen, and others.
"We owe a lot to Haozi's help this time," Lei Dongbao said in a deep voice. "However, our Xiaolei family has indeed incurred public wrath, and the fact that we were reselling supplies is true. The county has said that many of the previous preferential treatments will be gone."
The most critical issue is the loan. Lei Dongbao had previously borrowed three million yuan from the rural credit cooperative to start his wire factory, but now the cooperative is demanding early repayment from Xiao Lei's family. Furthermore, most of the state-owned factories in the county have cut off business with Xiao Lei's family; their brick factory and precast concrete factory have no market.
When Lei Dongbao returned, he was faced with a huge mess, so he had no choice but to ask Qin Hao for advice.
"Haozi!" Lei Dongbao strode over, his loud voice unusually low, tinged with flattery: "This time, it's all thanks to you. If it weren't for you, I might have ended up in jail!"
"Don't give me that!" Qin Hao rolled his eyes at him: "Speak your mind, or get to the point, and then get out of here."
Lei Dongbao was taken aback, but he could only grit his teeth and say all the nice things he could.
Qin Hao was so bothered by him that he had no choice but to let him come into the house with him, especially with Song's parents pleading on his behalf.
"How much readily available savings does your Xiao Lei family have right now?"
Lei Dongbao scratched his head: "Well... cough, I haven't really calculated it in detail. As you know, we've expanded our operations. The wire factory, brick factory, precast concrete factory, and cattle farm all have their own bank accounts, and the money is all in there. I only ask Siyan to check the money in each account when a factory urgently needs money or requires a large expenditure, and then move some of it if possible..."
Upon hearing this, Qin Hao immediately frowned and shook his head without hesitation: "What you're doing is simply ridiculous! Even between factories belonging to the same group, fund transfers must be regulated, with accounting, interest calculations, and repayments! Clear responsibilities and rights! Especially as the company grows larger and more interconnected, if you continue to arbitrarily 'take from the rich to make up for the poor,' like piecing together building blocks, once a key project fails and the cash flow completely breaks down, the other companies will collapse along with it!"
Lei Dongbao smiled wryly: "Haozi, I understand all the reasons you're giving! But you also know what kind of conditions the Lei family is in right now! Among the men in the village, young and old, it's good enough if they can finish elementary school, and you can count on your fingers the number of people who have finished junior high school! I'm anxious, so I can only think about how to get the factory up and running, how to sell the goods, so that everyone has a job and a hot meal to eat!"
Qin Hao interrupted his complaints: "Don't use 'poor conditions' as a shield! Since the current staff in Xiaolei Village can't meet the needs of development, keep up with the speed of expansion and standardized management, then stop focusing only on Xiaolei Village and recruit from the outside world! Go to the talent market, go to vocational schools, go to knowledgeable companies! Pay money to hire capable and disciplined people!"
"Enterprises must follow the standardized path to grow bigger and stronger, provide more and better jobs for the villagers, and pay pensions and reimburse medical expenses for all villagers! Otherwise, with your current chaotic 'iron rice bowl' approach to accounting, you'll be lucky if you don't end up with a mountain of debt, let alone pensions and medical expenses!"
These words struck Lei Dongbao's heart like a hammer blow. He fell silent, his brows furrowed, his rough fingers unconsciously rubbing his knees.
A moment later, he raised his head, his eyes filled with struggle and urgency: "Haozi, you're right, in the long run, this is the only way! I'll think about it carefully! I'll definitely find a way to change it! But... but right now, it's a matter of life and death. How much money will we lose if the factory is shut down for even a day? The credit union is chasing us for debts like it's our lifeline! I need to find a way to solve this immediate crisis... Can you help me think of a way to get the money and get through this?"
Qin Hao knew this guy's impatient nature and was too lazy to argue with him anymore: "Since the road in Jinling County is blocked, why not look elsewhere? If the county doesn't work, try the city banks; if the city doesn't work, try the provincial banks! If the province doesn't work, then go even further and try to get a loan from a bank in another province!"
Lei Dongbao's eyes lit up: "Out of the province? This... will this work? Will they recognize us?"
"The scale of your cattle farm is real and undeniable; thousands of cattle are no exaggeration! Moreover, you have long-term and stable foreign trade orders with a cannery, which is the strongest guarantee of repayment!"
"And your wire factory, I heard Shigen mention it once. Your quality is not bad. Although the starting point of technology is low, you have made orders by relying on your hard work. This shows that you have a market, you have performance, and you can also be considered a source of repayment."
Lei Dongbao nodded repeatedly, his face regaining some color: "Yes, yes! The cattle farm is large-scale! The cannery has stable orders! The wire factory's orders are also good!"
Qin Hao changed the subject: "However, if you go out into the market like this, saying that you are a 'wire factory run by Xiaoleijia Production Brigade' or a 'cattle farm run by Xiaoleijia Brigade', once they hear that you are a 'team-run' enterprise, they probably won't even be able to get through the door of the bank's credit department. You need to package yourself and Xiaoleijia a bit more."
"Huh?" Lei Dongbao was dumbfounded again: "Then... then I can't just lie through my teeth, can I? So what should I say? How should I 'package' it?"
Qin Hao patiently explained: "For example, with a cattle farm, don't just say you raise cattle. Say it's a 'core breeding base that supplies premium canned beef to the high-end European and American markets.' See, when you link it to foreign trade and high-value markets, doesn't that change the image? Or take an electric wire factory, say your products are consistently sold to major cities like Shanghai, Beijing, and Guangzhou."
"Of course, hard information such as scale, sales volume, and key customers must be truthful and cannot be fabricated; this is fundamental. By packaging yourself in this way, you give banks a more promising and stronger image, and they will seriously consider your loan application and sit down to talk to you. Only then is there a chance of getting the money! Understand?"
Lei Dongbao frowned, feeling uncertain: "What if we 'package' it as you suggested, but still can't get the loan?"
Qin Hao stood up and dusted off his pants: "Then you'll have to go find County Chief Xu again. He's the county's top official, knows your Xiaolei family inside and out, and has a responsibility to support the development of township enterprises. If he really values you and thinks you're worthwhile, maybe he can help you find a way."
Lei Dongbao hesitated, clearly wanting to ask Qin Hao for a loan, but Qin Hao completely ignored him. Three million was a drop in the ocean for him, but his money didn't come easily either; helping to get Lei Dongbao out was already more than enough.
Borrow money? No way! (End of Chapter)
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