In order to ensure the normal operation of the existing projects of the enterprise, and to continuously invest in agriculture-related projects in the northern mountainous areas, Changda Group's own funds can also cope with it, but it needs to be adjusted. In addition, Guan Yuntian asked the relevant departments of the company to step up the collection of receivables.

After discussion, Guan Yuntian and Lao Ding agreed that the liquidity scale of each branch of the group company should be tightened, which can not only raise funds for agriculture-related projects, but also promote the branches to speed up the capital turnover rate.

At this time, Guan Yuntian received a call from Deputy County Magistrate Liu, who thought that the leader was concerned about the progress of the project in the northern mountainous area, so Deputy County Magistrate Liu asked him about the company's financial status.

"Is there any problem with the funds?"

"County Magistrate Liu, you also know that the project investment in the northern mountainous area is calculated on a daily basis, and this investment needs to be output steadily, so we can only adjust the funds within the enterprise and tighten the working capital scale of each branch, which is similar to building a capital reservoir for agriculture-related projects, and only in this way can we ensure the continuous and stable delivery of funds to new projects. Guan Yuntian explained.

"In order to help tens of thousands of villagers in the northern mountainous areas get rid of poverty as soon as possible, you Changda Group has made great contributions, as a local government, in addition to expressing our gratitude, what we can do is to coordinate some relationships for the enterprise. Considering that agriculture-related projects in the northern mountainous areas require long-term and continuous capital investment, I contacted our Agricultural Development Bank and hoped that they would give the company some financial support. ”

"The Agricultural Development Bank was not familiar with them before. "Guan Yuntian said.

"These are policy banks, and they don't usually deal with corporations. ”

"Oh, that's great, thank you County Magistrate Liu for thinking so much about us. Did they agree to support the project?" Guan Yuntian was very moved.

"I just finished talking with their president, and the other party agreed to support it in principle, and he asked you to submit an application material, which clearly states the purpose and significance of the project, the scale of agriculture, the goals to be achieved, the progress of the project plan, the social and economic benefits and the status of the enterprise. ”

"Okay, let's compile the materials immediately, County Magistrate Liu, because I haven't been in contact with the Agricultural Development Bank before, what do you think is the right amount to declare?"

"The investment in agriculture-related projects in the northern mountainous areas is huge, and the time span is very long, so I think since I have applied once, I might as well make the quota larger. In addition, it is said that there are different degrees of preferential interest on loans depending on the situation. Deputy county magistrate Liu said.

Although with the strength of Changda Group, there is no problem in undertaking the development of agriculture-related projects in the northern mountainous areas, but after all, it is a large-scale investment that has lasted for many years, and it is impossible to say that it has no impact on the original plan of the enterprise. The news revealed by Deputy County Magistrate Liu made Guan Yuntian overjoyed, and if he could get the support of the Agricultural Development Bank, the capital environment of Changda Group would become more relaxed.

At the same time, Deputy County Magistrate Liu also suggested to the county science and technology commission, the planning commission, the agricultural bureau, the forestry bureau and other functional departments that within five years, the policy support funds of these functional departments should be tilted towards the Changda Group, although the annual support funds of these departments add up to only 2 million, compared with the annual investment of 30 or 40 million, it is equivalent to a drop in the bucket, but this is already the maximum support that the local government can provide.

According to the instructions of Deputy County Magistrate Liu, Guan Yuntian asked Ding Xiangqian, the chief financial officer, to organize forces to immediately prepare application materials and submit them to the Agricultural Development Bank as soon as possible, and at the same time asked the group office to prepare project report materials and report them to the relevant functional departments of the government.

With Deputy County Magistrate Liu coming forward, Changda Group didn't even need to entertain people when dealing with these departments, Guan Yuntian felt uncomfortable, and he informed Deputy County Magistrate Liu of his thoughts, "If you want to deepen your understanding with them, after the loan matters of the Agricultural Development Bank are decided, I have no objection to you getting together with President Dong." Deputy county magistrate Liu said.

"What about the Science and Technology Commission, the Planning Commission, and other functional departments? I think we should also express our gratitude. Guan Yuntian is a grateful person, no matter when, for those who have helped him, he always misses it.

Maybe the position is different, Deputy County Magistrate Liu doesn't care much about this kind of thing, "If you think it's necessary, just find an opportunity to sit with the leaders of the relevant functional departments, I won't participate, if I'm there, I'm afraid they won't be comfortable." ”

Between the Agricultural Development Bank and the Changda Group, Deputy County Magistrate Liu is equivalent to an intermediary, Guan Yuntian met with President Dong of the Agricultural Development Bank, and both sides asked Deputy County Magistrate Liu to attend, but he was reluctant to do so, "Since you all know each other, I will complete the task, and it is not good to follow the participation." ”

"County Magistrate Liu, it's better for you to say a lot of things in your presence, after all, I haven't known President Dong for a long time, and we don't know each other very well. "Guan Yuntian said.

I really couldn't shirk it, on a weekend night, the three of them met at the best hotel in Fuyuan County, knowing that there were not many guests, Guan Yuntian booked the smallest private room.

The first time he met with President Dong at the wine table, Guan Yuntian was very particular about the arrangement of dishes, there were not many people, he asked for less and fine, ordered four signature dishes of the hotel, and let the two guests choose the rest.

In terms of wine, although Deputy County Magistrate Liu asked for frugality, Guan Yuntian insisted on Moutai, because the president of the Agricultural Development Bank was a very distinguished guest, and Guan Yuntian did not dare to slack off in the slightest. It was President Dong who spoke in person, "Mr. Guan, thank you for your hospitality, let's not drink Moutai, to be honest, I'm not used to drinking sauce-flavored liquor." ”

"President Dong, if that's the case, then let the waiter serve Wuliangye, it's okay for this fragrant liquor, right?"

Because there are only three people, the routine on the wine table is much simpler, and after a glass of wine, Deputy County Magistrate Liu asked: "President Dong, has the loan target of Changda Group been determined?"

"Confirmed in principle, there are still some details being discussed. ”

"What do you mean by the principle, and what do the details include?" If Deputy County Magistrate Liu hadn't personally asked these questions, Guan Yuntian would not have been able to ask them when he got together with Lao Dong for the first time.

"The principle is to basically agree to the loan application limit of 30 million yuan of Changda Group, and the details, including interest, repayment method and repayment time, etc., have yet to be finalized. ”

"President Dong, you have to know, how the villagers in the northern mountainous areas of Fuyuan County are looking forward to getting rid of poverty, our local government has also wanted to help the villagers in the mountainous areas get out of trouble for many years, but there has been no good way, now Changda Group has stepped forward and resolutely taken on this important responsibility, they are conscientious and responsible enterprises, the Agricultural Development Bank supports the Changda Group, is to support the work of the government, support the villagers in the mountainous areas to get out of poverty, it is of great significance, I thank you on behalf of the local government!" Deputy County Mayor Liu said sincerely.

"County Magistrate Liu, you are serious, as a policy bank, we have the responsibility and obligation to support local economic development, support poverty alleviation, and contribute to changing the appearance of backward areas. To say thanks, we should all be grateful to Mr. Guan and Changda Group, no matter how good the idea must be implemented, no matter how good things must be done, the development of poverty alleviation in mountainous areas, the general state-owned enterprises are unwilling to be involved, Changda Group as a private enterprise, bravely shoulder the heavy burden, admirable, you say well, they are a conscientious and responsible enterprise. President Dong said from the bottom of his heart.

After listening to the praise of the two leaders, Guan Yuntian's face was a little hot, "County Magistrate Liu, President Dong, Changda Group has always been low-key, and we deserve the praise of the two leaders." To tell the truth, Changda Group develops the northern mountainous area, and does want to make some contributions to the villagers in the mountainous areas to get rid of the economic predicament as soon as possible, but our investment in the project is also to be returned, that is to say, Changda Group will not do that kind of loss-making thing, not afraid of the jokes of the two leaders, our realm is not so high. However, it is also a fact that the project investment is huge and the investment time span is too long, and the average enterprise is indeed discouraged. In any case, thank you for your understanding and support. ”

"Mr. Guan is a private enterprise, and the investment naturally hopes to get a return, you say that the kind of person who loses money and makes money, in my opinion, is either lacking in heart and eye, or has other plans, I think your investment purpose is more realistic, you say such a thing is more realistic, more credible. Unprofitable is to do public welfare, not to do business. Lao Dong said.

"President Dong, what kind of preferential interest rate do you estimate for this loan from Changda Group?"

"First of all, there is no doubt that the projects we support are of great significance, but the amount of a single loan is 30 million, and the amount is relatively large, according to our internal principles, I estimate that the preferential interest rate we can enjoy is about 50% lower than the interest rate of ordinary commercial bank loans. ”

"Can't go any lower?"

"Truth be told, it's already the best outcome. It is true that the Agricultural Development Bank is a policy bank, but we also have operating costs, although the state has subsidies, but we still have to earn our own daily expenses, please understand this point from County Magistrate Liu and Mr. Guan. ”

"Is it impossible to get an interest-free loan?" Liu, the deputy county magistrate, always wants to save for the enterprise.

"Interest-free loans are only available for those projects that are of great significance and the loan amount is not large, and a large amount of 30 million is not enough. ”

Guan Yuntian took it, "Actually, this is already very good, President Dong, what is the difference between the way of repayment of principal and interest in the future and that of ordinary commercial banks?"

"It's different elsewhere, but it's no different here. The only difference is that after the project is completed, we have to recover the loan principal in full. ”

Guan Yuntian felt very satisfied, even if the interest rate was half lower than that of ordinary commercial banks, through a simple estimate, it was clear that the 30 million yuan loan would save at least more than 1 million yuan in interest every year! The key is that this policy-related loan does not have to repay the principal halfway, and the bank principal will not be repaid until the fifth year, when the project is fully completed, and this has saved the enterprise a lot of trouble.

With this loan from the Agricultural Development Bank, coupled with the policy support funds of relevant functional departments of the government, there is a difference of three to five million yuan from the funds that Changda Group needs to invest in agriculture-related projects every year. In fact, for the development of agriculture-related projects in the entire northern mountainous area, Changda Group does not really occupy much of its own funds, which Guan Yuntian did not expect at all.

Now, Guan Yuntian deeply understands that the things that are supported by the government are really effortless to do, and in many cases the government comes forward to coordinate, and the process is much simpler.

However, any project is at risk, and it is not easy to do a good job in a project, especially one that is slow to produce results.