Reborn in a small mountain village in 1991

Chapter 59 The Intricacies of Loans

After the power was connected, the pig farm got back on track. Only now did Xu Chunsheng have time to take the documents that Secretary Li brought last time and apply to the poverty alleviation office and the bank for a joint on-site inspection.

Because they had received commendation from the county, they didn't encounter any major problems during the acceptance process. After on-site verification, the staff signed and stamped the acceptance form and verbally informed Xu Chunsheng that the acceptance had passed.

"The report will be ready in three to five days. The team will be contacted by phone then, and you can come and pick it up."

After receiving the report, Xu Chunsheng sorted out all the invoices and receipts for building materials, labor, and equipment in chronological order, pasted them into a ledger, and submitted it to the bank.

These preliminary steps alone took seven or eight days.

"Comrade, this is your project loan. If there are no problems, just sign it."

Xu Chunsheng took the form handed to him through the window and carefully examined its contents.

"No problem, when will the payment be disbursed?"

After signing his name, Xu Chunsheng handed the form back to the staff member and then asked another question.

"After you submit your materials, the branch will review them, and then the city branch will approve them. It can take up to a month if things go smoothly, and up to two months if things go slowly."

"Okay, I understand. Thank you for your help."

After completing the formalities, Xu Chunsheng drove his tricycle, carrying the professional household certificate issued by the village, to the supply and marketing cooperative to buy mixed feed.

At this time, pig farmers can purchase affordable mixed feed from the supply and marketing cooperative with a certificate from the village/township, without purchase restrictions or coupons.

The sales clerk took the certificate handed to him by Xu Chunsheng:

"Hey, professional farmer, the policy has been relaxed now, there's no limit. How many pigs does your farm have?"

"Forty-odd pigs, all of them piglets."

The sales clerk returned the certificate to Xu Chunsheng and told him:

"Piglets can't be fed mixed feed. They need to grow to over 30 pounds before they can be fed mixed feed. There's piglet formulated feed, which is finer and easier to digest than adult pig feed. It's 18 yuan for a 40-pound bag. Why don't you buy a few bags and try it out?"

Xu Chunsheng calculated that feeding the piglets only formulated feed during the transition period was too expensive. Ordinary families usually just boil cornmeal into a thin porridge, mix it with wheat bran and rice bran, and feed them tender pigweed along with it.

However, if you want piglets to grow fast and well, you must arrange their feed properly.

"Pack me ten bags, I'll mix them with the feed when I get back."

"Okay, that'll be one hundred and eighty in total."

After paying, the salesperson helped Xu Chunsheng load the feed onto the truck:

"If it works well, I'll buy it again. You have proof, so it's still a good deal."

"Okay, thank you."

"Creak—"

As soon as Xu Chunsheng parked his car at the pig farm, a small dog ran out of the house, barking at him and wagging its tail as it ran around him.

Xu Chunsheng made a "hissing sound—Little Yellow, go away!" sound as he stretched out his leg to chase away the little dog at his feet.

"You're back."

The eldest sister came out from the small room next door.

When the pig farm was being built, a warehouse and a room for people to rest were built next to it. Inside, there was a "bed" made of two high stools and a few wooden planks.

Recently, Xu's mother and eldest sister have been taking turns guarding the pig farm during the day, responsible for mixing feed, feeding the pigs, and cleaning the pig pens. The two of them have kept the pigsty clean and odor-free.

Xu Chunsheng and his father took turns guarding the pig farm at night, checking around the pigpens from time to time to see if any piglets were left out and getting cold.

In addition, they also had to be careful to prevent worms and rats from getting into the pigsty. The whole family did their best to take care of these forty-odd piglets, hoping that they would grow to thirty or forty pounds and then things would be much easier.

Apart from those who stay at the pig farm every day, everyone else goes to work in the fields, planting vegetable seedlings, sweet potato vines... all of which will be economic crops for feeding the pigs in the future.

Once they grow up, they can be brought into pig farms in large quantities and used to supplement pig feed, which can save a lot of money on feed costs.

As Xu Chunsheng carried feed into the warehouse, he said:

"Yes, I'm back. I bought some concentrated feed, which I'll mix with wheat bran to feed the pigs so they grow faster."

"Yes, I need it. Has the loan been processed yet?"

"It's all done, but it might take a month or two for the funds to be disbursed. I heard that more people are applying now, so the process is slower."

The two talked and soon finished unloading all the feed.

"Sister Chunhua, Brother Chunsheng."

The two people who were covering the feed with tape turned their heads to look at the sound.

Then they saw Cheng Runshu holding a small black dog in his arms and saying to them:

"I heard a while ago that you were asking about puppies. Our big dog had puppies, so I picked out a strong one and brought it over to you."

"Woof! Woof woof!"

Xiao Huang ran out of the house and barked at the puppy in Cheng Runshu's arms.

The little black dog looked up, opened its eyes, glanced at the little yellow dog, then closed its eyes again and went back to sleep.

Cheng Runshu pinched the little black dog's ear: "This is a black spirit dog. It's very alert, clever, and can understand what you're saying. It's perfect for watching over the pig farm."

She looked at the puppy on the ground, then looked up at Xu Chunsheng:

"It seems I'm a little late. Do you not need any more puppies?"

Xu Chunsheng patted the dust off his clothes:

"We were planning to raise two, but my dad found a suitable one."

"Thank you for bringing the dog. Here's the money for the puppy."

"No, we don't need the money. They're just puppies from our own dog. Our family is planning to open a pig farm with some of my uncles. Can you tell me about the loan application process? I heard some people can't get loans because their paperwork isn't complete."

Xu Chunsheng brought out two chairs, and the two sat outside and began to talk:

"Yes, we need to get a certificate from the village proving you're a professional pig farmer, then we need to develop a pig farm construction plan... and finally submit the project application to the Agricultural Development Office."

"Only after the project is approved can we apply for a special aquaculture loan according to the formal procedures."

……

What others didn't know was that Xu Chunsheng actually benefited from the brigade's influence.

Previously, the team directly handled the most tedious project approval process for him, so he didn't have to do it himself. He only needed to follow the requirements to complete the subsequent loan procedures.

Because of these intricacies, many people advance their funds to start construction and then go through the application and procedural processes later.

As a result, none of them met the policy requirements, and all their applications were rejected.

Cheng Runshu listened carefully, his brows furrowing.

"It turns out there are so many twists and turns involved. It seems that starting construction first and then going through the procedures step by step won't work."

She finished speaking and smiled sweetly:

"Thank you, brother. I'm so glad you were here."

Looking at the girl's smiling eyes, Xu Chunsheng felt a surge of warmth in his heart.

"No need to be so polite. Let me explain these things to you clearly so you won't have to go through the same trouble again in the future."

He paused after speaking:

"If you have any problems in the future, you can come to me. I will try my best to help."

Cheng Runshu smiled gently:

"Okay, if there's anything I don't understand in the future, I definitely won't hold back with my brother."

After speaking, she looked at Xu Chunsheng quietly with a hint of shyness in her eyes.