After everything was ready at the wine table, Accountant Wang said, "I didn't expect you to call me, I was overjoyed, I am very honored." ”

"I'm sorry to let you break the bank. ”

Our manager Min often misses your support for Xinglong Company, and has said more than once in front of me, I want to find an opportunity to thank you. ”

"Brother Wang, I can't hide it, I asked you to meet today, in addition to the fact that we haven't seen each other for a long time, there is a small matter I want to communicate with you. Xiao Yin said.

"I'll just say, you won't look for me if there's nothing to do, what do you want to communicate?"

"Have you been giving guarantees to anyone lately?"

"You're well-informed! You know what happened in the past two days. ”

"So it's true?"

"Can I lie to you about the relationship between you and me? I did the guarantee procedure myself. ”

"The company that took out the loan is called Fine Packaging, right?"

"That's right. You even know this, the news is accurate enough. ”

"Do you know the status of that company?"

"The status of the enterprise? People found Lao Min to give a guarantee, Lao Min agreed, I am only responsible for the guarantee procedures, and nothing else is asked. In fact, the boss agreed, and I didn't have the right to ask. ”

Xiao Yin nodded, "I understand your thoughts, you are an accountant, and if you talk too much, you may make the boss unhappy, so why bother." But do you want to know the current status of the beautiful packaging company that asked you to vouch?"

Even if it's not about Accountant Wang, there is still a need to talk about it at the wine table, "Let's listen to it." ”

According to the investigation of Changyuan Intermediary Company, all the assets of the exquisite company are said to have been mortgaged two years ago, and they often owe wages to their employees, and they have not paid wages for two or three months. Xiao Yin said.

"Ouch, the situation is really not good! But I'm curious, how do you know the inside information of other people's companies?" said Lao Wang in surprise.

"It doesn't matter how I know, these are facts, and there are no lies. You Manager Min are bold enough to dare to vouch for this kind of enterprise. I can also tell you clearly that if you decide to guarantee the fine company, it is only a matter of time before the company defaults, and your Xinglong company will wait to repay the loan for others. Xiao Yin kindly reminded.

"I definitely don't know these things, the first time I heard you talk about it today, it's hard to say if Lao Min knows it, and I can't ask him. However, I can also tell you a piece of news, that is, Xinglong Company does not guarantee the exquisite company for nothing, what a shrewd person Lao Min is, how can he not be cautious about guaranteeing others?"

"Oh----, is there a deal here?"

"I know that there is a prerequisite for the guarantee, and after the loan of five million is down, our Xinglong Company will use two million. ”

"So, the exquisite company has been busy for a long time, and in the end it can only get three million usage rights?" This news made Xiao Yin stunned.

"What else should I do? Boss Feng of the exquisite company is now desperate, our Xinglong Company is a great help to him, Lao Feng's other friends who do business, either the company is too small to be qualified to guarantee, or they are hiding far away, and no one is helping him at all. ”

"But you Lao Min's knife is ruthless enough, why do you take away two million at once? Besides, you are not short of money!"

"To tell you the truth, we don't have much money right now. ”

"Hasn't Xinglong always been good?"

"Manager Yin, don't you know, in addition to the monopoly industry, how many companies in the real economy dare to say that they are very good in the past few years? We were really good in the past few years, since the first half of last year, orders have decreased, inventory backlog has increased, and the occupation of working capital has increased by 50% compared with previous years, where do you say we can be rich?"

"Why don't you set production by sales, why do you have to hold on?" Xiao Yin didn't know some things about the company.

"It is easy for you to let go of those skilled workers, and when the production situation improves, it will be difficult to recruit them back, people earn money by working, and those people cannot hang on a tree. ”

"Do you know the risks of guaranteeing the exquisite company? If Lao Feng defaults, you will have to repay the loan for him, aren't you afraid that Xinglong Company will be affected because of this?"

Lao Wang seemed to be confident, "I guess Lao Min thinks so, the other party is really going to default, because we Xinglong Company took 2 million from this loan, and in fact, only repaid 3 million for the exquisite company, for Xinglong Company, 3 million should not make us break our bones, it is estimated that it will have some drag on the company, but it will not make the company suffer a fundamental impact." ”

"Three million is not a dispensable little money, are you willing to take such a risk for the exquisite company? Xinglong Company is so generous, how good are you to give three million directly to Lao Feng? It also saves a lot of trouble. Xiao Yin teased.

"It's not that Xinglong Company is generous, Lao Min is actually not a fuel-efficient lamp, let alone three million, even if it is thirty thousand, he will not risk his money. On the second day of the guarantee procedures for the exquisite company, I saw that Manager Min took back a counter-guarantee, as if Lao Feng of the exquisite company used his three sets of stores to make a counter-guarantee for the three million. ”

"I'll just say it's not that simple. ”

......

As soon as he got to work the next morning, Xiao Yin came to Lao Sun's office to return to work, "Director, I met with Accountant Wang of Xinglong Company last night. ”

"How's it going, what information did you get?" asked Lao Sun impatiently.

He wasn't sure if Manager Min of Xinglong Company knew about the current situation of the company, and he himself didn't know about the news before. ”

"Did you tell him everything we knew?"

Quan told him, although he was surprised, but for this guarantee, Xinglong Company seems to have made up its mind. ”

"What, and if you see a trap, you have to drill into it?" Lao Sun thought it was incredible.

"Manager Min of Xinglong Company is very shrewd, even outsiders can see that it is a trap, he and Lao Feng are still friends, and they should be able to see the existing problems. ”

"This is what makes people incomprehensible, if he can see the problem, then why does he agree to guarantee the exquisite company?"

"Director, I also listened to Lao Wang's revelation little by little, if we don't know the reason, we really think that Xinglong Company is drilling into Lao Feng's trap, but in fact, it is not. ”

"Yo, is there any secret in it?" Lao Sun was very interested in this.

"According to Accountant Wang, there are conditions for them to guarantee the company. ”

Of course, how can there be an unconditional guarantee for others? Even if you are a good friend, this kind of guarantee cannot be unconditional. ”

"But the conditions of Xinglong Company are quite harsh, and outsiders generally can't imagine it. ”

"What else?"

"As soon as the loan came down, they immediately took two million. ”

"What? There is such a thing?" Lao Sun couldn't believe it was true.

This is one of the main conditions for Xinglong Company to provide a guarantee for Lao Feng. ”

"With such harsh conditions, who can agree to it if you are not cornered!" Lao Sun sighed.

"What if you don't agree? The exquisite company has no other choice, it is said that after a big circle, only the old Min of Xinglong Company agreed to vouch for it, although the conditions are harsh, there are still three million left, if he doesn't agree, he doesn't even have a point. ”

"I think both of them should be struggling, a total of five million loans, and two million were taken away on the spot, that feeling can be imagined, but the boss of the exquisite company has no other way. This Xinglong company guarantees a shell enterprise, and although it gets 2 million on the spot, the remaining 3 million is a real risk! They are just waiting to pay off their debts. Lao Sun shook his head and sighed.

"Director, this Xinglong Company's Lao Min is a veritable treacherous and cunning! Outsiders think that he is facing a risk of three million, but in fact, he has been prepared for a long time. ”

"Yo ho, this man really has a lot of scheming, did he leave anything behind?"

While vouching for the other party, he asked the other party to make a counter-guarantee of three million. ”

"Aren't all the assets of the exquisite company mortgaged? What can be used as a counter-guarantee?" Lao Sun felt foggy.

"The assets of the other company are gone, but the two bosses know each other very well, and it is said that the counter-guarantee assets are the other party's private three sets of stores. ”

"Well, that's foolproof. Lao Feng of the exquisite company wanted to trap others, but this time he was tricked by the other party. From the beginning, I thought it was incredible, and others avoided it, so why wasn't the boss of Xinglong Company afraid? It turned out that this guy had already calculated that he would take 2 million on the spot after taking out the loan, and let the other party make a counter-guarantee for the remaining 3 million, which controlled the risk. However, Xinglong Company is a large-scale enterprise, how can it be interested in just two million?" Lao Sun was still a little puzzled by the ins and outs of the whole thing.

"Director, I also asked Accountant Wang such a question, and he said that Xinglong Company is not rich in funds now. ”

"Haven't they always been good?"

"It is said that in the past two years, the real economy has been sluggish, orders have decreased, inventories have increased, and the occupation of working capital has increased significantly, and the shortage of funds is unavoidable.

"Yo, this is a new situation, your credit department should pay more attention to the situation of the enterprise, and take timely measures once it finds signs of risk. ”

After Xiao Yin left, Lao Sun immediately reported what he had learned to Guan Yuntian.

Knowing the inside information, Guan Yuntian was a little difficult, he could have rejected the loan application of the exquisite company through the guarantee link, but who knew that a Xinglong company came out halfway, this company has high qualifications, and there is a loan business in formal financial institutions, and they voluntarily came forward to guarantee, and the loan application of the exquisite company could not be refused.

Xinglong Company participated, and the original party, Fine Packaging Company, became an outsider. After the Changyuan intermediary company lent out a loan of 5 million yuan, Guo of the county planning commission, the exquisite packaging company, and the Xinglong company, which came forward to guarantee it, all got their own places, and Deputy Director Guo got face, and the two enterprises got the funds they urgently needed, which can be described as a great joy.

Half a year later, when it was time to repay the principal and interest on the loan, the exquisite packaging company unsurprisingly defaulted, and the principal could not be repaid at all, except for the interest of the previous months.

According to the agreement, if the fine company defaults, the guarantee company is obliged to perform the contract for it. After knowing the situation, Guan Yuntian instructed Lao Chang to hurry up and ask Xinglong Rubber Products Company for a loan.

No matter how cunning Manager Min of Xinglong Company is, he can't shirk this responsibility, Lao Min is not the same as ordinary guarantors, he not only took two million directly from this loan, but Boss Feng of the exquisite company also used his private property to make a counter-guarantee for him, and the collateral is in Lao Min's hands. In fact, the main body of this loan has been transferred to Hin Leong Company.

However, the market situation changed abruptly, and half a year later, Lao Min's Xinglong Rubber Products Company encountered great difficulties in operation, and funds were very tight.

Lao Chang took three staff members from the business department and the finance department to Xinglong Company to collect the loan, they found the general manager's office, the door was open, but Lao Min was not there, Lao Chang and his party pushed the door into the house. Before they could sit down, a lady in her early forties, who seemed to be an office worker, entered, "Who are you looking for?"

"Find you Manager Min. ”

"He has something to do today, he may come late in the morning, if you are in a hurry, you can come back another day, of course you can sit down and wait for him. ”

"We have something to do with him and want to wait for him here. ”

The lady made tea for the guests and left the office.

It was close to eleven o'clock, Lao Min finally returned to the unit, he pushed open the office door, and saw three men and one woman sitting in the room, "What are you doing? Who are you looking for here?"

"You're Manager Min, aren't you?" the three of them stood up and asked.