In any case, he used to have a good relationship with Lao Wan, Guan Yuntian never wanted to make things stiff, he persuaded again: "Wan Ju, if your friend really needs a guarantee, ask him to go directly to Changyuan Intermediary Company, I can call over there and let them provide convenience within their ability." ”

"Well, thank you for your kindness, they will go if needed. After speaking, Lao Wan hung up the phone, with obvious dissatisfaction in his tone.

Guan Yuntian put down the phone, shook his head with a wry smile, and let out a sigh.

With the hard work of Lao Chang, coupled with the thirst for funds of various enterprises and self-employed people, the business of Changyuan intermediary company quickly became active, and both the business of enterprise guarantee and direct financing was prosperous.

Just one morning two days ago, the owner of a business called "Exquisite Packaging Company" came to Changyuan Intermediary Company, and Chang Chang was not in the office at that time, and the staff of the business department received him.

From the business card handed to the staff, I learned that the boss's surname was Feng, and he took out the company profile from the briefcase and explained his intentions.

At this moment, Lao Chang came back from going out, and was seen by the staff as soon as he entered the gate, "Mr. Chang, this Boss Feng is looking for you, Manager Feng, that is our President Chang." The staff introduced by the way.

After shaking hands and greetings, Lao Chang led Manager Feng into his office, "Manager Feng, please take a seat," Lao Chang poured a glass of water from a paper cup and handed it to Lao Feng, "May I ask what you are looking for me for?"

I often ask knowingly, do you need to talk about it? When you go to a financial intermediary company, in addition to directly applying for a loan, you are also asking for a guarantee.

"Oh, Mr. Chang, that's the case," Lao Feng took out a business card and a business profile, "Our exquisite packaging Co., Ltd., because of the recent increase in business volume, the original preparation of liquidity is a little tight, want to borrow from Changyuan intermediary company, if we can get the support of Mr. Chang, we will be grateful!" After speaking, he handed the business card and business information to Lao Chang with both hands.

After receiving the information and business cards handed over by Manager Feng, he often said, "Please briefly introduce the status of your company." "It's a working practice, and even if there is written material, there is an oral presentation.

"Exquisite packaging company has more than 10 years of business history, the company is located in the county town of the urban and rural collection department, the geographical position is superior, the existing staff of nearly 100 people, mainly engaged in the production of packaging materials such as carton packaging and plastic bags, last year to achieve revenue of more than 20 million, profit of nearly five million. Manager Feng introduced.

"Manager Feng, what are your requirements? Is it a short-term loan or a long-term use?"

"We want to borrow five million, and it would be best if we could use it for a long time. ”

"You leave the material, I'll take a look at it before I give you an answer. "Often, this is what it means to send off guests.

"May I ask Mr. Chang, how long will it take to give a reply?

"As soon as possible. You can rest assured, once I have read the materials of your company in detail, if I feel that I am eligible, I will contact you as soon as possible. Uh, can you find a guarantor?"

"This ...... , it shouldn't be a big problem. ”

"That's good. ”

When he got up to say goodbye, Lao Feng took out a Chinese cigarette from his bag and put it on Lao Chang's desk, "Mr. Chang, a little meaning, not a respect." ”

"What is this for? I don't smoke, you take it away quickly!" Lao Chang picked up the cigarette on the table and stuffed it into Lao Feng's hand.

"If you don't smoke it yourself, you can take it home to relatives and friends!" Lao Feng insisted.

"If you don't take this cigarette away, I won't accept your loan application, you can do it. "It's always the same way.

This sentence is very effective, and this is what the other party is afraid of.

There is no problem from the enterprise information, but an enterprise with an annual turnover of more than 20 million yuan needs to borrow 5 million yuan as working capital, and the experienced old man often thinks it is a bit outrageous.

However, suspicion is suspicion, since there is no problem from the information provided by the company, from a business point of view, Lao Chang has to reply to the other party, he called the phone, "Manager Feng, I am Chang Chang of Changyuan Intermediary Company." ”

"Oh, hello Mr. Chang!"

"Manager Feng, I have read the information you provided in detail, and I generally think that the company is okay, but your output value is only about 20 million, and applying for a loan of 5 million is a bit much!"

"Mr. Chang, there is no problem with our working capital, but some time ago I heard that the price of waste paper has risen sharply, so we used our working capital to store a certain amount of raw materials, occupying a large piece of working capital. ”

"Oh, yes, that's the case, I've seen similar news from CCTV Economic Channel, and I didn't take this factor into account. Well, you have a good reason for that. ”

"May I ask Mr. Chang, when can we go through the formalities?" Lao Feng thought that his reasons were recognized by the other party, and the loan was ironclad.

"What are the procedures?" asked Chang Chang, puzzled.

"Loan procedures!"

"I can't eat hot tofu in a hurry, why are you in a hurry, you think about the problem too simply! I just agree with your loan application in principle, and there is still a lot of work to be done. ”

"Oh, what else do you need to do?" Lao Feng asked knowingly, anyone who has dealt with financial institutions knows that any loan needs to go through multiple procedures, although the intermediary company is not a formal financial unit, but it needs to go through one procedure.

"You haven't been on a business trip for the past two days, have you?

"Mr. Chang, I have no business trip plans in the near future, and I am in the unit every day. ”

"That's good. ”

Just after eight o'clock in the morning the next day, Lao Feng received a call from the intermediary company, "Manager Feng, please tell me the address of your company, and we will arrive in a while." ”

"This ----, oh oh," after hesitating for more than ten seconds, Lao Feng reacted, this is someone from Changyuan Intermediary Company is going to the enterprise for an on-the-spot inspection, why didn't he say hello early? Is this going to be a surprise attack? However, Lao Feng felt that as long as he came to investigate, it would be a good thing, and he clearly described the company's address to Lao Chang.

Lao Chang's sudden attack, so that Lao Feng was a little caught off guard, he immediately arranged for the staff to clean up, just when he was in a hurry, a black car had arrived at the door of the exquisite packaging company, because the factory door was open, the driver drove the car straight into the factory, and stopped in the open space in front of a row of bungalows.

The car door was pushed open, Lao Chang got off the car, looked at the factory area in front of him, this is a square yard with a length and width of about eighty or ninety meters, there are more than ten bungalows in the west, in addition to a semi-enclosed workshop in the east, there is an open warehouse, looking from a distance, it seems that some raw materials are piled up.

Seeing Lao Chang get out of the car, Lao Feng hurriedly came out of the office to greet him, he ran a few steps forward, and shook hands with Lao Chang, "Hello Mr. Chang, welcome to the exquisite packaging company to guide the work!"

"I don't dare to do the guidance work, I just come to the company to see on the spot. ”

"Mr. Chang is personally hands-on, which is admirable. In fact, the work of inspecting the state of the enterprise can be done by your salesman, so why do you have to work hard for your driver?"

Lao Feng is right, this kind of work should be done by the salesman, but the loan application of five million is a lot of money, for the sake of prudence, Lao Chang still decided to go out himself.

"Don't stand outside, let's go to the office and have a cup of tea. "Lao Feng invited.

"What kind of rest, less than half an hour's drive, I don't feel tired at all, let's go, take me to see your family." As he spoke, he was about to head east.

Lao Feng had no choice but to lead the way in front of the head, the two went to the production workshop first, Lao Feng introduced: "There are two production lines in the workshop, the north production line does carton packaging, and the south production line produces plastic packaging bags. ”

Although Lao Chang has been working in the financial unit, he has been dealing with various types of production enterprises over the years, and during his work in the credit union, he often went to the field to screen the situation of the enterprise, so he is no stranger to the equipment of the general industrial production line. In his opinion, this paper packaging box production line, full of calculations, is only about one million equipment, the plastic bag blow molding production line, the investment will not exceed two million.

After coming out of the production workshop, I went to the finished product warehouse and the raw material warehouse to take a look, "Why didn't I see much product inventory?" asked Lao Chang on the way back to the office.

"In order to save costs, we implement sales-based production, and there is basically no inventory. Lao Feng explained.

Back at Manager Feng's office, the staff had already made tea, and often asked about the production capacity, actual output, product price and raw material consumption of the two production lines, and Manager Feng answered all the questions one by one.

The two chatted for a while, and when the time reached half past ten, Lao Chang got up to say goodbye, and Manager Feng had to keep him for lunch, "Mr. Chang, I finally went to the countryside, and stayed at noon to taste the food in the township." ”

"It's the same thing everywhere, what's delicious in the township?"

"Things in the countryside are more vivid than in the city, and if you are tired of eating the big hotels in the city, you may be able to bring you a different feeling if you taste the freshness of the countryside." ”

"What's the difference? It's all psychological, it's all like that. "It seems that Chang Chang is not interested in these things.

"Mr. Chang, you just give face, stay for a meal, it won't delay you much. Old Feng almost pleaded.

"It's not a matter of delay, how can you have lunch at half past ten? "Lao Chang insisted on refusing to stay, and Manager Feng had no choice.

When Lao Chang got into the car, Manager Feng caught up, "Mr. Chang, please wait a moment, I have two catties of precious tea here, absolutely first-class goods, you take it and taste it." ”

"Keep it for yourself, I'm leaving. After that, he closed the door and told the driver, "Drive!"

Back to the office of the intermediary company, it was not yet lunch time, Lao Chang carefully sorted out the situation of this exquisite packaging company, with his years of experience, Lao Chang felt that Manager Feng's verbal introduction and loan information were quite different from the actual situation, so the two production lines, even if they were at full capacity, could not reach more than 20 million output value per year, and the profit of five million was even more vain.

Because of his perennial dealings with enterprises, he is no stranger to all kinds of enterprises. Lao often to the fine packaging company to calculate an account, in addition to equipment maintenance and holidays, the annual production time according to eleven months of calculation, each month of output value to reach two million, on the fine packaging company production line of the two products ---- carton and plastic bag value, only with so two production lines, is almost impossible to complete the task.

It is often believed that the moisture content is not less than 30 percent, and the output value of the exquisite packaging company is about 15 million, which is relatively reliable.

As for the packaging products with low technical content of the exquisite company, they often think that their profits cannot exceed 20 percent, and their annual net profit of 3 million is quite good.

Based on the above analysis, Lao Chang only agreed to lend 3 million to the exquisite packaging company, and in the afternoon of the same day, he notified the manager of the packaging company of this decision.

At about nine o'clock in the morning the next day, the phone in front of Guan Yuntian rang, he picked it up, and a somewhat familiar voice came from the phone, "Hello Mr. Guan! Are you busy now?"

"Hello, ----? are you?"

"Don't you hear it, do you? No wonder, we haven't been in touch for more than two years, do you remember Lao Guo of the county planning commission?"

"Ouch, hello Director Guo! I've been busy with affairs all day, so I didn't take the initiative to contact you, please don't blame me. ”

"Mr. Guan is polite, what is to blame, you are busy with yours, I am busy with mine, we are not idlers, how can we be so particular?"

"May I ask Director Guo, what are your instructions for calling today?"