Because of similar experiences, Guan Yuntian has compassion for the majority of local small and medium-sized enterprises, and the purpose of establishing Changyuan Financial Intermediary Company is to revitalize the stock funds of Changda Group on the one hand, and on the other hand, he does want to provide financial guarantees for those small and medium-sized enterprises that are serious about their operations to help them get out of trouble.

Guan Yuntian believes that no matter whether it is a small or medium-sized enterprise or a self-employed person, as long as they operate normally, the management is standardized, and the products are profitable, it is worth helping them; if the intermediary company strengthens its ties with the enterprise, and the loan is released to keep a closer eye on it, Guan Yuntian believes that the conditions can be relaxed in the guarantee link.

However, for an enterprise like a fine company that is not honest and does not operate normally, and is only an empty shell, the guarantee link must not only not be relaxed, but also more strict.

"We don't want his high interest, and he doesn't want to exchange interest for a guarantee, so let him find a guarantor. Guan Yuntian set the principle for this matter.

"I have already made my attitude clear to Lao Feng, and it depends on whether he can find a suitable guarantor. "It's the same old way.

The boss of the exquisite packaging company, Feng, seems to be determined to get this loan, no matter how much trouble he has spent and what means he has used, ten days later, Lao Feng really found a company to provide him with a guarantee.

Judging from the information sent by Lao Feng, the company that provides guarantee for the exquisite packaging company mainly produces small rubber products, such as various types of motorcycles, bicycles and electric vehicle tires, with an annual output value of nearly 10 million yuan.

Speaking of this company, I have often heard of it, because they are old customers of the credit union, and they have five or six million loans in the credit union all year round.

In order to further understand the situation of this enterprise called "Xinglong Rubber Products Company", he often called his friend who was the deputy head of the credit department of the Associated Press and asked the other party to help him understand the situation of Xinglong Rubber Products Company clearly.

Judging from what we have learned, this is a relatively formal small enterprise, and the exquisite packaging company has never provided any guarantee for the bank loan of this enterprise, and they are obviously not in a mutual insurance relationship, so how can such an enterprise agree to provide guarantee for such a shell enterprise as the exquisite packaging company?

Isn't it the boss of the Xinglong Rubber Products Company who has been confused? It should not be! It is said that the manager Min of the Xinglong Company is a smart man, very cautious in making friends, and is also a very calculating master, so how could they rashly agree to guarantee such an enterprise as the Fine Company? Doesn't he know that the land and equipment of the Fine Company have been mortgaged to the bank?

This situation was unexpected, and Lao Chang quickly reported it to Guan Yuntian.

"What? Have they found a guarantor? This old Feng has two hits!" Guan Yuntian was also a little surprised.

"Mr. Guan, what should we do next?" said the old man.

"If Xinglong Rubber Products Company is really a formal enterprise, you should proceed according to the normal procedure, bring field staff and accountants, and go to their company for inspection. ”

"If through the inspection, no problems are found with Xinglong Company, should this loan be approved?"

"You just go step by step, and we're always in touch with each other. Guan Yuntian did not directly answer the usual question.

It's really a link, I thought that the guarantee conditions could stump the exquisite company, but I didn't expect Lao Feng Zhen to find a guarantee, in the face of a shell company, Xinglong Company was willing to guarantee it, which made Guan Yuntian feel incredible, there could be no problem in this.

Just let Fang Xiaomei figure out the situation of the exquisite packaging company, do you want to find a way to investigate Xinglong Company?

It was not an easy task to investigate Xinglong Company, and in Guan Yuntian's impression, he could not think of anyone who could have any contact with this company. After searching around in his mind, Guan Yuntian came up with an idea, since this company is an old customer of the credit union, has he always dealt with this company? Guan Yuntian grabbed the phone in front of him, "Big brother, are you not familiar with this Xinglong rubber products company?"

"You know, at the beginning, I was not in charge of credit in the Lianshe Society, except for Chengguan Town, where I used to stay, I was not familiar with other enterprises, and I had only heard of Xinglong Company. ”

"Then ...... you? Oh, forget it. Guan Yuntian wanted to speak and stopped.

"What do you want to say?"

"Nothing, nothing, okay, I'll figure it out. ”

This call made Lao Chang inexplicable, and since Guan Yuntian didn't want to say it, Lao Chang didn't delve into it anymore.

Guan Yuntian's original intention was to let Lao Chang come forward and ask people from the Associated Press to help inquire about the actual situation of Xinglong Rubber Products Company, but he thought about it again, Lao Sun, the director of the Associated Press, was originally dissatisfied with Lao Chang's retreat from a part-time second job, and even if Lao Chang was willing to come forward, Lao Sun might not be willing to give face. Instead of making Lao Chang embarrassed, it is better to come forward in person, for the sake of old friends, and with the golden signboard of Changda Group, Lao Sun will not ignore it no matter what.

After making up his mind, Guan Yuntian called Lao Sun, director of the Associated Press, and it went smoothly, and he got through with a call, "Hello Director Sun! I'm Guan Yuntian." ”

"Mr. Guan is so idle today, what do you command?"

"I'm joking with my brother, do I dare to tell you? We haven't seen each other for a while, so we have to get together sometime!"

"It's easy to get together, as long as you don't have a business trip, you can do it any day. There must be something wrong with you calling, don't be polite to me, just talk if you have something. ”

"I've guessed to you, there's something I want to ask you to help me inquire about a company. ”

"Oh, tell me, how do you want me to help you?"

"This company called Xinglong Rubber Products Company, it is said that it is an old customer of the Associated Press, he recently wanted to provide a guarantee to a packaging company that applied for a loan in Changyuan Intermediary Company, according to our investigation, all the assets of that packaging company have long been mortgaged, and now there is an empty shell left, what I don't understand is, in the face of such a fire pit, why did Xinglong Company jump down? Is it that they don't know what's going on, or is there any trap in it?"

Since Xinglong Rubber Products Company is our old customer, you have reminded me that the Associated Press does not allow its own customers to take risks, and if our customers fall into the quagmire, they will also bring us risks. Well, in order to get to the bottom of the facts, I immediately arranged for the credit department to start an investigation. Lao Sun believes that this matter is to help Guan Yuntian's company, but in fact, it is also to avoid risks for the Associated Press.

Lao Sun is an old financer, doesn't he know that the loan of a shell company, default is something that can happen at any time, and guaranteeing such a company is tantamount to seeing a fire pit and jumping in. Of course, financial institutions have no right to interfere in corporate decision-making, but enterprises turn a blind eye in the face of huge risks, such an unreasonable thing, not only Guan Yuntian wants to know the truth, but Lao Sun also wants to figure out the mystery inside.

To investigate this kind of thing, Lao Sun, who is the leader of the Associated Press, of course will not come forward in person, he called the credit department of the Associated Press, "Is there a Xinglong rubber products company that has business with us?"

The director of the credit department hurriedly replied: "Please wait a minute, director, I'll check," and the answer came in less than two minutes, "There is such a company that takes out loans from the association, director, what is your matter?"

"Who is in charge of the business of this company?"

"I'll see, oh, the loan officer Xiao Yin specifically contacted them, and all the formalities were handled by him. ”

"Well, I know, you asked Xiao Yin to come to my office. ”

Hearing the summons of the Associated Press, Xiao Yin thought that he had made a mistake, he crept to the door of Lao Sun's office, stretched out his hand and knocked on the door a few times, "Please come in!"

Xiao Yin pushed the door in, this young man in his thirties, who was originally tall and handsome, looked so humble in front of Lao Sun, "Director, are you looking for me?"

"Well, you sit down, I'll ask you something. ”

Xiao Yin sat down on the chair farthest away from Lao Sun very uncomfortably, "We have a customer called Xinglong Rubber Products Company, and their business is handled by you, right?"

"Yes, I handled it, what's wrong? Is something wrong? When I went to their company for inspection, the director of the credit department sent a total of three people, and I didn't make the conclusion of the investigation alone. ”

Director Sun's question just now made Xiao Yin's heart beat sharply by twenty or thirty times, could it be that there was a problem with Xinglong's loan? If we want to investigate the responsibility, it would be too unjust to let ourselves bear the responsibility! Xiao Yin clearly remembers that on the day he went to Xinglong Company to inspect the company, he read everything he should have seen and asked all the questions that should have been asked, and he did not find any problems with the enterprise! At noon, he did stay for a meal, and when he left, the boss insisted on giving each person two catties of tea. It's just such a thing, and each of the three of them has a share, so it shouldn't be considered a bribe, right?

"It's none of your business, I'm just asking. Lao Sun said lightly.

"Oh, then, is there a problem with Xinglong Company?" Xiao Yin was still uneasy.

"I didn't come to you because there was a problem with Xinglong Company, but I wanted to know if you have any acquaintances who have a good relationship with their company? ”

Xiao Yin's hanging heart instantly let go, but he scolded in his heart: "Damn! You are jumping out sentence by sentence, scared the baby to death!" He immediately calmed down: "Yes, I have a good relationship with Accountant Wang of the Finance Department of Xinglong Company, and Lao Wang is very real." ”

"That's right, I've also heard from others, it is said that Xinglong Company recently made a loan guarantee of 5 million yuan for a company called Exquisite Packaging Company in Changyuan Intermediary Company, and the internal situation of that packaging company is very bad. ”

Xiao Yin still doesn't understand, what does this kind of thing have to do with me? It also startled me, "Director Sun, then you are looking for me----?

"If you think that the accountant Wang of Xinglong Company can tell you the truth, in the last few days, you should take the time to ask him out to meet with you as soon as possible, and you can tentatively ask them if they know the current situation of Jingmei Company, and then ask them about the purpose of guaranteeing a shell company. ”

"But director, forgive me for taking the liberty of taking the liberty of it, isn't this a matter between people's companies, why do we care about this?" Without the fear at the beginning, Xiao Yin spoke much more naturally.

"Xiao Yin, you are in the business of credit, it is easy for you to think like this. We don't care about this matter to interfere with the relationship between customers and other companies, but if you think about it, the exquisite packaging company is now a shell enterprise, and the future loan default must be a high probability event, once the exquisite company defaults, Xinglong Company, as the guarantor, has the obligation to repay the loan for the other party, if this guarantee drags down Xinglong Company, our previous loan to Xinglong Company will face risks, don't you think that such a joint relationship is enough to deserve our attention?" Speaking of the back, Lao Sun blamed Xiao Yin.

"Director, I have thought about the problem simply, you are right, this matter seems to have nothing to do with us on the surface, but in fact, it should arouse our great attention. ”

"Then you hurry up and make an appointment with the accountant from the finance department of Xinglong Company. ”

"Okay, okay, I'll go back and get in touch. ”

Back at the post, Xiao Yin immediately got in touch with Accountant Wang of Xinglong Company, "Brother Wang, I haven't seen you for a long time, I will have a treat that day." ”

"It's all to blame for Wang's sluggishness, I should make this call, let you get ahead of the curve, I'm really ashamed. Didn't you, the credit manager, come to me for a party and let you have a treat, didn't you deliberately scold me? That's it, tonight, do you have any questions?"

In the evening, in a small but somewhat high-grade hotel box, Xiao Yin met Lao Wang.

"My brother is a busy man, why did he suddenly think of me?"

"Brother Wang, let's not talk about this yet, I'll talk to you in detail later. ”