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Text Chapter 13 Project Financing

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    The first thing I did the next morning was to go to Uncle Liu¡¯s house.  If you want to do business by boat, you must first have a boat.  Where did the boat come from?  Yang Shaowen took up Uncle Liu's idea.  Today is the winter solstice, and Liu Hu has just returned from Lamma Town.  When two brothers meet, it's natural to greet them with greetings.  "Being a kickmaker means stepping on a huge boulder every day. It's just a laborious job. It's as boring as it gets. I don't even want to do it anymore!" Liu Hu looked full of complaints and had some concerns about his work.  Lots of opinions.  (The kicker holds the support with both hands and steps on both ends of the ingot-shaped kicking stone. Under the stone is a jujube wood calendering roller. The stone platform under the roller is covered with dyed cloth. The kicker steps on it from side to side.  The roller rolled back and forth, and the cloth showed a flat and bright luster. Just talking about the content of the kicker's work, Liu Sanfu scolded him on the spot: "You kid, you don't have any certainty in what you do.  That's right. With your temper, it's hard to make a difference in anything. Look at Shao Wen, he's still a scholar, but he's much weaker than you, but he can still do dirty and heavy work in a place like this, and he can do it very well!  " Yang Shaowen blushed a little after hearing this. He came here this time, but he was ready to resign.  Liu Hu didn¡¯t know that Yang Shaowen went to work in Zaofang. He was a little surprised when Liu Sanfu mentioned it.  According to his understanding of Yang Shaowen, he is not the kind of person who can show off his face and do hard work.  But in his opinion, this is always a good thing. He patted Yang Shaowen on the shoulder and said: "Shao Wen, you did a good job. We really don't need to hang ourselves on the road of studying and taking the imperial examination. If we try more, there will be more ways out."  "You can't always try blindly, you have to work hard and work hard!" Liu Sanfu was afraid that Liu Hu would be inconsistent in doing things, so he took precautions.  Liu Hu curled his lips, a little impatient with his old man's wordiness.  "Otherwise, you should come back to take over my shift and operate the ship for transportation. If you work as a carpenter in Sanyangtai, why not make more money by operating a ship at home?" The apprenticeship of a carpenter in Sanyangtai is paid 6 per month.  horn.  Sanyangtai's boss saw that Liu Hu was young and strong and gave him an additional 80 cents.  Even so, it is still not as profitable as Liu Sanfu's shipping.  Liu Sanfu can earn 2 yuan per month during the peak transportation season, and 60 yuan per month during the worst period.  However, Liu Hu obviously has no intention of taking over the old man's job. He is not a person who can stand loneliness and does not want to stay in the same environment for the rest of his life.  He now complains a lot about Sanyangtai's work, and it's because he got a little tired of the small environment of the dyeing shop after staying there for a while. It's not that he dislikes the tiring work of kicking cloth and the hardship, and it's not that he dislikes the low wages in the dyeing shop.  Seeing that his son did not take over, Liu Sanfu felt a little regretful: "It seems that in the future, when I can no longer work, I will have to sell this boat. What a pity!" At this time, Yang Shaowen replied: "Uncle Liu, what do you think?  , How about letting me pick up your shift?" These words were obviously a bit abrupt in the eyes of Liu Sanfu and his son.  After Yang Shaowen told him his plan to run the flowing gauze shop, they understood why he came to do this on a whim.  "Hu Zi, Uncle Liu. What do you think of this idea?" Speaking of which, although Yang Shaowen has been a man for two generations, this is the first time he has seriously planned to do business, and he feels quite unsure.  Listen to the opinions of people you know.  "It's very good. This is indeed a business opportunity. Rural weavers have real difficulties in selling cloth. You can come to collect the goods and reduce their cash backlog to a certain extent. I think this business can be done!" Liu  Hu voted in favor of Yang Shaowen's business plan, while Liu Sanfu was more cautious and put forward some unfavorable conditions: "People in the countryside are very poor. The more remote the place, the poorer it is. If you make money from them, I'm afraid it won't be so good."  "Easy." Yang Shaowen never had any extravagant hopes of getting rich overnight: "This is a small business, and the emphasis is on accumulating a little and making a profit."  Anyway, this deal is still worth doing. Uncle Liu will give it to you!" Yang Shaowen was very happy that the plan was moving forward.  When negotiating remuneration with Uncle Liu, he planned to pay Uncle Liu based on his original average monthly income of 1.2 yuan.  Uncle Liu didn't agree with anything.  He just said that when Yang Shaowen makes money, he will be paid 6 cents a month.  Yang Shaowen couldn't resist him, so he had to let him go.  In the next few days, Yang Shaowen first went to the county town and quit his job as an apprentice in the Zaofang, which made Mrs. Liu very sad.  Later, Liu Sanfu took him to sail the boat for a few days to help him familiarize himself with the boat's water properties, and took him around Wujin County to identify places.  During this period, Yang Shaowen was not idle either. In addition to studying with Uncle Liu, he also did some market research.  Investigate where the cotton comes from, where the homespun cloth should be sold, where the rural weaver households in Wujin are located, and other issues.  If Yang Shaowen¡¯s plan is to be realized, there is still one thing to do, which is financing.    This is considered a small business.  But no matter how small a transaction is, a certain amount of working capital is required.  Yang Shaowen made a preliminary estimate. If he wanted to start this business, he would need to prepare at least a start-up capital of about 20 yuan.  For Yang Shaowen, this is a huge sum of money.  The way he could think of was to write a detailed business plan, listing his business model, market prospects, expected profits, target customers, market research, etc., and then hand the plan to  The bank in the county hopes to get a loan from the bank.  Yang Shaowen feels that his business model is somewhat innovative, and his business plan is quite novel. The amount of loan he requires is not large, so he should have a good chance of finding financing from a bank.  The reality is of course cruel!  Yang Shao¡¯s tattoo has no collateral, he has never done any business, there is no goodwill, and what he is doing is something that no one has done before.  Naturally, banks will not lend money to such a three-no project, no matter how small the loan amount is.  Although the people at the bank had some appreciation for his business model and the business plan he wrote, they only paid lip service to it, nothing more.  Yang Shaowen felt that he was a little too naive, actually thinking that someone in this era would favor such a venture capital project.  Is that all it takes?  Or rely on the current business of punting and shipping to save capital?  He was not willing to do so.  After Liu Sanfu taught him for a few days, he now let him run the boat alone.  Yang Shaowen's current boating skills are half-baked, and it will take him only a few years to save enough money through this.  He was rowing in the river mechanically with both hands, thinking about the financing difficulties, and was quite irritated.  A large ship passed by, causing a huge wave and pushing Yang Shaowen's ship to shake violently.  Yang Shaowen's boating skills are not deep, and his mind is not good enough. He will inevitably panic when unexpected changes occur.  After a lot of fiddling, the boat was finally stabilized, but the person didn't pay attention to what was behind him and inadvertently stepped on the air.  With a "plop", he fell into the river.  Fortunately, Yang Shaowen is somewhat familiar with water, so after calming down, there is no risk of drowning.  It's just the river water in winter, bitingly cold.  People also wear a lot of clothes, and when the clothes are wet, they weigh more than a thousand pounds.  Yang Shaowen swam hard to the shore.  There are seven or eight women washing clothes at the pier by the river.  I was shocked when I saw someone falling into the water. It turned out that the person was quite good at water and was no longer busy rescuing people.  Some women looked at Yang Shaowen in the water and started to make fun of him.  "It's winter, this young man is committing suicide for his love!" "I can't see it. Look, he is swimming towards us. He probably cares about one of us and is rushing over to express his love. It's so cold.  Oh my God, you are in great spirits!" "Oh, that young man looks very handsome. If he comes to me, I will definitely agree!" Someone fell into the water in the winter, and it also attracted many people in the town to watch the fun.  Yang Shaowen, who was swimming hard in the water, vaguely heard a familiar voice: "Ah, isn't this Shaowen! There are so many of you just standing around watching the excitement, hurry up and save people!" Yang who was in the water  When Shao Wen felt that his hands were getting weaker and weaker and his consciousness became a little blurry, his waist tightened and he was dragged ashore.
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