A company's debt ratio represents the operating status of a company.

For healthy management, the debt ratio should be between 40 and 60 percent.

As for those companies that have deep pockets and no debts, they are basically very good, and this does not mean that the company has a good reputation, but will have an impact on the company's financing ability.

If you don't go to the bank for a loan, the bank won't trust you.

Credibility is accumulated.

If you don't deal with each other, two parallel lines, you don't have any credibility.

At the level of banks, they would rather lend to enterprises with insufficient assets but often cooperate, rather than lend to them, and only come to the bank when they have difficulties, but all new cooperative enterprises, because they do not understand, so there will be many problems.

At present, Fengsheng Agriculture has some cooperation with large, medium and small banks, and the relatively large partners are naturally credit cooperatives, and as township enterprises and agricultural enterprises, they have more trust in credit cooperatives.

However, as Fengsheng is getting bigger and bigger, the scale is getting stronger and stronger, and the major banks have come to the door, from credit unions to those big banks, Fengsheng has an irregular loan service, and Fengsheng has a good repayment ability and has never been overdue.

Therefore, for those banks, they are willing to cooperate with Fengsheng, whether it is Fengsheng's benign assets or Fengfeng's heels, they are worthy of trust.

"This year's debt repayment, that is naturally there should be no problem, October has been repaid, November budget, December budget have come out, in loan repayment, we are a priority, after all, the company's reputation, can not be affected because of debt repayment problems!" Kang Ming said in a low voice: "But because of more and more loan problems, our liquidity will be affected, plus this year's tax expenditure, it will affect the abundant cash flow, next year's budget is difficult to say!"

He sighed bitterly: "In fact, our abundant funds, there are few times when they are relaxed, our stalls are too open, one stall in the east, one stall in the west, one stall in the south, and one stall in the north, there is money burning everywhere, and there is no way to do next year's budget!"

"Next year, you can't worry so much!"

Song Shan shook his head: "You first settle this year's accounts, and then show me, how much you can come up with this year's dividends, it's the end of the year, and the dividends at the end of the year are inevitable!"

"If you add dividends, it is equivalent to squandering next year's budget!"

Kang Ming frowned: "This is very problematic for the company's operation, chairman, you have to think about it!"

"Don't worry too much!"

Song Shan has never been worried about next year.

As long as Huating is successfully listed, in the desert tree planting project, basically the investment can allow Huating to advance, and the abundant income level is now more, and even more, the Jiangnan project will be able to operate next year.

Two years to grow a tree.

Trees are a resource.

In this regard, a lot of money will definitely be recovered.

It is the company's first income vegetables, I am afraid that in a short period of time, there is no way to count on it, if you want to build a brand, upfront expenditure, is an indispensable thing.

To say that their own business is actually pressed by the line.

It's so difficult.

Where is the grain and oil......

"By the way, do you know what the current debt ratio of Jiangshan grain and oil is?" Song Shan suddenly asked Kang Ming on a whim.

"I have studied this aspect, because I am a novice in corporate finance, and others are not very trusted.

"Talk about the data!" Song Shan said.

Kang Ming said: "About seventy-six percent!"

"How high?"

Song Shan's eyes widened.

"This year's expansion of Jiangshan grain and oil is obvious to all, the market, they are at least three times higher than last year, the early pay, is inevitable, plus this year Jiangshan to build the headquarters building, land, build buildings, decoration, etc., the number of funds needed is too much!"

Kang Ming said bitterly: "So their debt ratio will naturally increase!"

"The key is that the bank can trust them, trust their assets, trust their prospects, and let them go when reviewing and evaluating their assets, which is enough for them to borrow hundreds of millions of more funds!"

"I also had a phone call with the first financial officer of Jiangshan Grains and Oils before, and we did not negotiate a loan with ICBC, and I hoped that Jiangshan Grains and Oils would come forward to make a guarantee, and Director Zhong agreed!"

"This made me see clearly that Jiangshan Grains and Oils has a strong advantage in financing!"

"It's our abundance, and we can't compare it for the time being!"

Kang Ming sighed.

"In this regard, I don't envy them, I'm a little worried about the boss now!" Song Shan suddenly felt uneasy in his heart, the operating conditions of Chinese enterprises and those foreign enterprises are different, those foreign enterprises, even if the debt is more than 80 percent, are considered benign, but the Chinese enterprises, more than 60 percent of the debt operation, will affect the reputation of the enterprise.

"Keep an eye on it, and let me keep an eye on the financial situation of Jiangshan Grain and Oil!" Song Shan paced back and forth for a long time before he said to Kang Ming.

"Okay!"

Kang Ming nodded.

Then he reported some of the current financial situation to Song Shan, mainly one is the tax payment, and the other is the flow of funds between the branch, which is very careful.

It made Song Shan realize a little that the four-eyed accountant in this village began to become mature.

After Kang Ming left.

Song Shan was still a little worried, his eyes flickered uneasily: "Even if I call the boss, the boss may not be willing to be honest with me now, he wants to carry it, but he has to bear it!"

Jiangshan's business situation, he is afraid that even first-hand information is a little difficult to get, he has been away from Jiangshan for a long time, people's hearts are unpredictable, whether it is Zhong Shuibai or Mo Shaokang, they rarely talk to him on the phone.

Once he completely relinquishes his stake in Jiangshan, perhaps, the situation will be even more difficult.

He was somewhat worried about the boss.

Don't look at the boss who is mature now, he looks like a dog, but if he is also a qualified entrepreneur, it may not be, he is too enthusiastic in his chest, or he wants to show his ability too much, which is also a taboo in business management.

Song Jiang is too young.

Lack of stability.

The business of young people represents the recklessness, which is not necessarily a bad thing, but if the heat is too small, it is a doomous thing, and the business world, taking a wrong step, will lead to the collapse of the entire enterprise.

"Forget it!"

Song Shan put these irritable things aside.

It didn't happen.

He thinks too much here, it's all just speculation.

Now, it's better to believe in Song Jiang.

..............................

Following.

Song Shan was in a good mood, sat in the office for two hours in the morning, went to see the situation of the rice farmland in the northwest under the name of the name, and then slipped away and went fishing, and when it was almost noon, the village suddenly became a little lively, and the gongs and drums were beaten.

Song Shan stood on the riverbank, looking at the village from a distance, as if the leaders from above had come down to do an inspection, anyway, Feng Jianjin and Song Jiming nodded again, and they were waist-waisted.

This surprised Song Shan.

Didn't you say that you only came to inspect at the end of the year?

These things, unless they are very special, he doesn't want to come forward, and he is not cramped to deal with people in the official face, but he always likes to leave this kind of thing to Feng Jianjin and them to deal with.

I am happy to have a leisure.

Looking at the lively situation, Song Shan couldn't help but make a phone call to Feng Jianjin, only then did he know that the end of the year was the itinerary set in the province, and this time it was the leaders of the city who came down to inspect and investigate.

The number one leader of the county government in the county, Zhong Shaoheng personally brought it.

This is the big leader in the city.

Executive Representative.

Song Shan is also a little square, at this time, there is a surprise inspection, or such a big leader from the city, why is it done.

If you want to talk about the establishment of abundant agriculture, there is really not much to deal with in the city.

The county magistrate is not as good as the current management.

Fengsheng agriculture originally did not rely on the official matter, most of them can be solved in the county, and it will not bother to the city, even if it is getting bigger and bigger now, it will not have much to do with the city.

Of course, the scale of Fengsheng agriculture is placed here, and the development of Fengsheng Village is also placed here, and the city will definitely not be able to ignore it.

At noon, Song Shan had a meal at the farmhouse.

The main thing is to get into a relationship with the old lady, and specially came to the restaurant of the farmhouse to eat, but the old lady was angry, it was really not simple, anyway, Song Shan had all the tricks, and the old lady didn't say a word to him.

The danger in eastern Guangdong is estimated to have made the old lady really angry, how many days have it been, and she still doesn't talk to him, and is ready to hang it up.

At one o'clock in the afternoon, Song Shan walked out of the farmhouse depressed.

"Shanzi!" A young man, driving a motorcycle, came galloping and stopped beside Song Shan.

Feng Zi'an.

Graduated from high school, and then went to a vocational school, and now he is taken by Feng Jianjin, following up, don't underestimate this little follower, how many people in the village are envious, jealous and hateful, this represents trust.

A reckless young man will not let Feng Jianjin look at it, he usually deals with the leaders above, the small followers around him, and the positions of secretary, assistant, and driver, so he must be knowledgeable and steady.

Feng Zi'an is a young man who Feng Jianjin is more optimistic about.

"What's the matter?"

Song Shan asked.

"The leader wants to see you!" Feng Zi'an turned the front of the car and said to Song Shan: "Get in the car!"

"See me?"

Song Shan was depressed and had to get on Feng Zi'an's motorcycle.

A hand of oil went directly to the square in front of the village committee building in Fengsheng Village.

Song Shan walked in.

In the spacious hall, more than a dozen people are sitting in their positions, sitting a little scattered, not very neat, but the center is around this middle-aged man, who has a fair complexion, a gentle temperament, with a pair of glasses, and is wearing a relatively old Mao suit.

"This is the Rich Qilinzi!" the middle-aged man stood up, looked at Song Shan who walked in, and said with a smile.

"Hearty unicorn?"

Song Shan was a little confused.

Seeing that Song Shan was a little stunned, Feng Jianjin took the initiative to come up, lowered his voice, and gave Song Shan's analysis: "Since this year, our Fengsheng has developed better and better, and its reputation is getting bigger and bigger, and many people know that Fengsheng is such a poor, partial, and nobody's village can develop, and there is a presence of you, so we praise you as our rich unicorn!"

He said this frankly.

Because it doesn't come from outside.

This itself is spread from Fengsheng, which is a kind of gratitude from Fengsheng people to Song Shan.

Song Shan hurriedly said to the middle-aged man: "Our Fengsheng can develop because of the unity and efforts of the whole village, without the support of the brothers and sisters in the village, how can there be the current Fengsheng agriculture!"

"A very modest young man!"

The middle-aged man smiled.

"Chairman Song, let me introduce, this is the leader of the city who came down to investigate the growth of agriculture, Comrade Han Anguo, and this is Wan Changsong, deputy director of the Municipal Agricultural Bureau!" Zhong Shaoheng took the initiative to introduce Song Shan.

"Leader Han, Leader Wan, welcome to our Fengsheng to do guidance work!"

Song Shan really didn't have any impression of Han Anguo.

After he came back from graduation, the executive deputy of the municipal government of Yongshi should not be Han Anguo, so Han Anguo should be transferred away within the next year or two, but now history has been fanned beyond recognition by Song Shan, a little butterfly.

For the situation in Yongshi, it is difficult for Song Shan to grasp it himself.

However, Wan Changsong, Song Shan still knows, to be precise, not only knows, but also has a lot of teachings, this guy is also a ruthless person.

Let's put it this way, in terms of one acre and three points of land in the Yongshi Agricultural Bureau, whether it is Song Mountain or Yu Beichao, they have been overwhelmed by this house, which is the later iron-fisted director, Yongshi Agriculture, in his hands, once carried forward.

"Mentoring can't be talked about!"

Han Anguo smiled, his smile was a little kind: "Fengsheng's development in agriculture is beyond my expectations, but there is one thing I want to criticize you, Fengsheng can cooperate with the Provincial Department of Agriculture, why can't you have a good exchange with the Municipal Agricultural Bureau, at present, the agricultural development of our city is at a disadvantage, and we really need an agricultural example like Fengsheng to support it!"

"Leader Han, it's really no wonder that we are rich!"

Song Shan will also complain, it is one thing to be unwilling to deal with it, it is another thing not to be able to deal with it, he is also a person who has been tossed by Huan Hai, so naturally there will be no problem with the response to this kind of thing: "The agricultural development situation of Yongshi City, the leaders should know much better than me, and Fengsheng's current situation really can't shoulder this responsibility!"

"Humble!"

Han Anguo was a little impressed by this young man, who could quietly toss such a big career and lead his fellow villagers to become wealthy, even if he is young, he can't be underestimated.

"Abundant vegetable cultivation can be developed into a business model, especially in winter, for the whole north, it will make a big difference!"

Wan Changsong spoke: "This way, I am going to promote it in Yongshi, I don't know what Chairman Song thinks?"

"That's okay!"

Song Shan will not do it himself will not let others do it, if Yongshi can build an off-season vegetable planting base, this is good for Yongshi, good for Fengsheng, Fengsheng to do is the brand, Yongshi to develop is the planting method.

"Then I hope that Fengsheng will provide more technology!" Wan Changsong grinned, revealing a mouthful of big yellow teeth, this is an old smoking gun.

Song Shan couldn't help but look up at Wan Changsong, this familiar voice, familiar atmosphere, this guy really hasn't changed at all, he has a strong purpose, he does everything vigorously, he never hides, and the most important point is that he is shameless enough.

This advantage alone allowed him to do a lot of things later.

Like now.

Fengsheng's technology is a rich heritage, which is known to everyone in the whole industry, but he just opened his mouth and wanted to take away Fengsheng's technology in anti-technology vegetable planting in the past two years, and he didn't pull it out.

Ordinary people can't open this mouth.

After all, you have to face.

Only a shameless person like him can do it.

But this kind of person is also very cute.

Doing things, pay attention to the end and means, he can be shameless in the means, but the purpose is always so clear and correct, this is a public servant of the people who is dedicated to the public.

This is also a pure person in terms of sentiment, whether it is Song Shanyu in the Northern Dynasty, or even the director of several later agricultural bureaus, he is not as good as a pure person.