It stands to reason that according to Han Hao's current status, what can make him feel embarrassed is usually a request that he can't refuse.

China is a humane society, and even Mr. Lu Xun, a literary fighter who is determined to use his pen to wake up the sleeping Chinese people, said: "Face is the top priority of the Chinese." ”

These words from 70 years ago still do not sound the slightest sense of disobedience.

Now, Han Hao is thinking about whether to give face to Secretary Bo, the number one in Jiangzhou.

When Han Hao made his fortune from a township enterprise, Bo Dongfeng can be said to have watched the growth of Zhonghua Group, and gave the company firm support at some critical moments.

In terms of personal relationships, Han Hao, who is the richest man, and Secretary Bo, the number one in Jiangzhou, also maintain close contact.

It can be said that in public and private, Han Hao has no reason to refuse Secretary Bo.

As a coastal area of reform and opening up, Zhehai Province, which is good at export business, was the first to be affected by the subprime mortgage crisis, and many enterprises suddenly encountered difficulties.

It stands to reason that the external export situation has deteriorated, and under normal conditions, enterprises can still get through by tightening their belts and gritting their teeth. However, if the quality of the business operators themselves does not keep up, and the indiscriminate investment is tainted with bad habits, then the enterprises that seem to be in a big mountain may collapse.

In recent days, the biggest news in Jiangzhou's business community is that the boss of Jiangnan Leather City ran away, detonating the guarantee chain of mutual insurance and joint insurance between dozens of enterprises, and also exposed a billion-level private lending dispute.

Since the 80s, Zhejiang merchants have become one of the first rising forces in the domestic industry due to the practice of "chicken feathers for sugar and going to the Quartet" and daring to be the first in the world. At the beginning of the poor and white family, the people who went out relied on the loan funds of the private bidding and lifting associations as the original capital to make a fortune, so the private lending atmosphere in the industrial and commercial circles of Zhejiang and Hai was extremely prevalent.

Don't rely on credibility alone, businesses that go out will raise tens of thousands or even hundreds of thousands of start-up funds, and with the help of market dividends in the era of China's material shortage, they can make a lot of profits to repay their loans. With the increase of local primitive accumulation, Zhehai has become the first region in China to become rich, so private lending and investment have become more prosperous and evolved, and the well-known "real estate speculation group" and "coal speculation group" are outstanding representatives.

Under the condition that China's economy has maintained rapid growth and stable external conditions, such a business model is sustainable. However, once the market conditions deteriorate and the income cannot keep up with the loan interest, it will cause the capital chain to break, resulting in the transmission of losses at all levels and the detonation of financial holes.

The boss of Jiangnan Leather City is known as the "guarantee king" of Jiangzhou and even Zhejiang, by charging a certain fee for other enterprises to guarantee, and also privately absorbing public funds at high interest rates for private lending, the construction of Jiangnan Leather City is known as the largest leather trading market in China, and it seems that the family is a big business.

Unexpectedly, a large textile enterprise he was responsible for guaranteeing could not repay the loan of 80 million yuan due to the sudden and substantial reduction of foreign orders, which triggered joint and several liabilities. In addition, the news that he lost 30 million in Macau gambling was quietly exposed, and after the news was made public, it attracted a run on his capital chain, which led to the rupture of his capital chain, and the leather city investment was not conducive to losing a lot of money, so he had to take the money and run away with his family and disappeared.

There are good and bad enterprises in the guarantee chain, but as long as one link explodes, it will be transmitted to the next link, forming a wave-like shock and spreading in a circle, resulting in the capital chain of all enterprises facing a break. According to statistics, the "Jiangnan Leather Case" involved an amount of 3.2 billion yuan, involving 67 insurance companies, implicating 27 banking institutions, and involving more than 30,000 people.

For a long time, the government of Zhehai and even Jiangzhou has turned a blind eye to this kind of private guarantee and fund-raising. Although it violates national financial regulations, it effectively solves local capital needs and drives economic development. Unexpectedly, private lending has intensified in recent years, accumulating a large number of uncontrollable risks, which finally exploded under the subprime mortgage crisis.

The government is the parents of ordinary people, and if something happens, of course, they have to go to the city government to ask for an explanation, ask the government to come out and uphold justice, and get back the money owed. The boss of Jiangnan Leather City ran away smoothly, but a large number of ordinary victims quit, only got part of the interest, but the capital was gone, and they surrounded the Jiangzhou Municipal Government for a whole day and a night, just to get back their hard-earned money.

Bo Dongfeng was busy in order to solve the "Jiangnan leather case", this kind of group incident related to social stability, if not handled carefully, it is easy to cause big trouble.

Measures such as lifting the guarantee chain of enterprises that have fallen into a dead knot, requiring banking institutions not to withdraw funds or call loans to the enterprises involved, and auctioning and disposing of fixed assets such as Jiangnan Leather City to repay debts, etc., have been issued one by one, showing that the Jiangzhou Municipal Government is trying to resolve the financial risks of the "Jiangnan Leather Case" as soon as possible. In addition to these, it is more critical to introduce living water in order to break the stagnant situation. That is to say, it is necessary to come up with funds to help enterprises on the guarantee chain to unbundle, which is not small, and the preliminary estimate is about 500 million yuan.

Many banks have been trapped by this case, and now it is good not to draw loans, and it is basically impossible to give another 500 million loans. Moreover, Jiangzhou City's finance could not come up with 500 million yuan to fill this hole, so Secretary Bo hit the idea on Zhehai Bank, which had just been successfully listed.

Zhehai Bank was formed by the reorganization of three city commercial banks, including Jiangzhou Bank, and is now under the actual control of Han Hao. In the past, Jiangzhou Bank can be said to be the money bag of the Jiangzhou government, actively cooperating with various financial operations required by the city, and essentially becoming one of the financing platforms of Jiangzhou City.

It is logical that Jiangzhou has detonated a financial hole this time, and Secretary Bo and even the Jiangzhou Municipal Government have set their sights on Zhehai Bank, hoping that it will come forward to take over the burden of providing 500 million funds.

"Just connect with Zhehai Bank, and say that the city hopes that they can take into account the overall situation and actively serve the stability of the local economy. ”

Secretary Bo instructed him that he thought that after he said a word, Zhehai Bank would do it directly.

Unexpectedly, after listening to the report of the management of Zhehai Bank, Han Hao did not express his position directly.

Without a mortgage and without a feasible repayment plan in detail, the Jiangzhou municipal government wanted to borrow 500 million yuan from the bank to fill the hole in the "Jiangnan leather case", which is very likely to be a large amount of bad debts.

Although Bo Dongfeng's secretary later made a special phone call to explain the matter, Han Hao still did not nod in agreement.

You must know that Zhehai Bank has high hopes for Han Hao, and in the future, it will take China Merchants Bank and Industrial Bank as an example to build a large platform for his future financial business. Under such a positioning, of course, Zhehai Bank cannot continue to become the money bag of the local government, but must be truly independent, get rid of administrative interference, and take the road of market-oriented and professional operation.

A loan of 500 million that may become bad debts is a business that no professional bank manager will nod to, otherwise it would not end up on Han Hao's desk.

"Please Jiangzhou Municipal Government come up with enough assets to mortgage!"

Han Hao finally decided to play the role of this villain by himself, and the management of Zhehai Bank couldn't withstand the pressure of the Jiangzhou Municipal Government, so he had to consider Secretary Bo's face, but he could say no!

In this way, Zhehai Bank gave the Jiangzhou government a soft nail to push back.

"What? Does Zhehai Bank really reply like this?"

Secretary Bo, who was correcting the documents, stopped his pen and asked.

"Yes, they say it's an internal management regulation of Zhehai Bank. Loans of more than 10 million must be collateral, otherwise they would rather not do this business, even if it is the city government.

It is said that this is still the original words of Han's richest man's personal instructions——"

The secretary hesitated, but still reported the real situation he heard to the leader.

Bo Dongfeng's pen stopped in mid-air for a long time, and it was obvious that he was really thinking about how to deal with it.

"Didn't a large area of land have just been leveled on the outskirts of the city, and since the bank wants to mortgage it, give it to them. In business, the richest man in Han really can't afford to lose. ”

In the end, Secretary Bo decided to compromise and mortgage the land to Zhehai Bank in exchange for the much-needed loan of 500 million.

"Everyone is saying that some time ago, the city borrowed 3 billion for the Jaguar Land Rover project, and Zhehai Bank released the loan very quickly. This time the city needs help, but Han's richest man asks for business, and he seems to be really not enough friends. ”

Seeing Secretary Bo's response, the secretary couldn't help but relay the extra words he heard.

In his opinion, Zhonghua Group, as a regional enterprise, does not have the strength to argue with the local government. This show of weakness may not be a good way for the government to carry out its work in the future.

"True friends don't bother each other when they ask for help, and the same is true for people, and the same is true for the relationship between government and business. ”

After listening to the secretary's complaints, Secretary Bo, who had a farther vision, deliberately pointed out.

Jiangzhou City and Zhonghua Group have always cooperated happily, but this does not mean that the interests of both sides are all tied to the same boat, and only by maintaining independence and respect between the two sides can they go further.

Chunghwa Group dares to refuse the unreasonable demands of local governments, but this does not mean that other car companies can do the same.

Chery Automobile has always been regarded as the most dynamic and enterprising enterprise among its own brands after Zhonghua Group, which is fully proved by its independent research and development of new engines and the independent design of new models without imitation traces.

However, recently, Chery Automobile has changed from building cars to building warships, which can be described as a sudden change from a shotgun to a cannon.

In addition, Chery has also merged with local agricultural machinery factories, reorganized local mining enterprises, and plans to enter real estate, which can really be described as a diversified group all of a sudden.

In the car manufacturing business, but facing many challenges, Chery Automobile, as a local star enterprise, in addition to developing its main business, has also been given the appeal of promoting the regional economy by the local government.

As the No. 1 leading enterprise in Wuhujiang City, Chery's experience is believed to be helpful to other state-owned enterprises, and the local government hopes to integrate the local loss-making state-owned enterprises by Chery, and use Chery's advantages to get out of trouble and make profits, and successfully develop a diversified group.

You must know that the number one leader in Wuhujiang City is Zhan Xiaqiu, the former boss of Chery, if it weren't for the red-top businessman turmoil, he should still be in charge of Chery Automobile. It was under his leadership that Chery achieved its current status. When it comes to understanding Chery, he thinks that no one dares to say first.

Therefore, at Zhan Xiaqiu's suggestion, using Chery's experience to transform Wujiang's loss-making state-owned enterprises is considered a worthwhile experiment.

Yin Yuefei, the current boss of Chery, is the favorite general supported by Zhan Xiaqiu, and he was able to serve as the new and old of Chery, which is always the result of Secretary Zhan's strong recommendation.

It is easy to repay monetary debts, but it is difficult to repay personal debts.

It was precisely because it could not refuse the request made by the Wuhujiang municipal government that Chery Automobile merged and reorganized many loss-making local state-owned enterprises on a large scale, and carried a heavy burden on the premise that the main business was not done well. Whether it is warships, agricultural vehicles, mines or even real estate, they are all loss-making businesses that require continuous blood transfusion, which makes Chery lose its hematopoietic ability.

In fact, Yin Yuefei also saw such risks, but under the goal of the municipal government to package and go public collectively, he acquiesced and promoted the operation of this large-scale merger and acquisition. Now that the stock market is doing well, Chery Group can be listed as a whole to solve the hematopoietic problem. As long as it can be successfully listed, then the difficulties faced now can be solved.

But will China's stock market allow Chery to go public?

The diversification of Zhonghua Group is still built by Han Hao around the main business, relying on the continuous cash flow of the motorcycle and automobile business. For other businesses that are not related to the main business of automobiles, Han Hao has cut them off from Zhonghua Group and set up a separate investment company in his own name to invest. However, Chery Automobile's current operation, when the strength is not enough to lift the stones, it will not carry many stones on its back, and once the time is too long, it will only lift the stones to hit its own feet and drag down its own development.

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