Experience has proved that the achievement of any undertaking is inseparable from the struggle against difficulties, and there is no such thing as easy achievement. ◎ Only by constantly overcoming difficulties and overcoming challenges can we move forward. Overcoming a difficulty, the cause took a step forward. Further, we will face new difficulties and new challenges. Difficulty is blindness, fear of difficulty is cowardice. Only in the midst of difficulties is the hope of development, and the challenges contain the dawn of victory, so we should seriously study the difficulties and bravely deal with the challenges. We must strive for self-improvement, make every effort to make the country prosperous, accumulate successful experience in practice, and promote the development of the cause in continuous innovation. If you succeed, you will not be discouraged, but will do everything possible to find a solution to the problem. When they think that their sweat has not been wasted, they will be happier and more powerful to meet the next difficult challenge.

If it is so difficult, it is not difficult, but in fact it is just a stone to hone people, a catalyst to change the reaction efficiency, and an exciting pill to make the loser succeed and the winner to achieve greater success. A successful entrepreneur must not only have ideals, beliefs, ambitions and goals that conform to subjective reality, but also have the arduous struggle and entrepreneurial spirit of exploration, truth-seeking, difficulty, and daring to be the first. If entrepreneurs have this spirit, it is possible to grasp the best time in life, and then it is possible to create a great miracle.

It was already half past twelve, and Li Zhong had not yet arrived, Qiu Weiqiang dialed his mobile phone and asked him when he would arrive, they had been waiting for a long time.

"Director Qiu, I haven't gotten together any money yet. Heaven doesn't work. Guaranteed to give you the money tomorrow. Li Zhong said.

Xu Feng immediately became angry when he heard this. It's really *** not a thing, it's really a village chief who is not a cadre. They are also bank workers, and they even left them aside, and they don't take them seriously. Isn't this a deliberate trick on people, and the things that are set will not come, but will have to wait until tomorrow, and let them wait for half a day in vain. Fools can come, this is deliberately prevaricating. To put it bluntly, I just don't want to pay back. In this case, you can't be polite to such a person, so why waste your tongue with him, open your mouth and just want to speak.

Qiu Weiqiang waved his hand and didn't let Xu Feng speak, he said: "Brother Li, it's a bit not enough to do this, everyone has to talk about credit, how can a manly man talk doesn't count, how will you mix in society in the future, we know that you also have difficulties." This is understandable, but it can't be done that way. The law clearly stipulates that as a guarantor of the loan, you are responsible for repaying the loan, so if we really want to get to that point, I don't think you want to do that. ”

"But I don't have that much money on hand, give me another day, and tomorrow I promise to repay the loan, and this time it will definitely count. Li Zhong said.

"That's it, since the money hasn't been scraped together yet, but it shows that you have a certain degree of sincerity, how much money you have in your hand, how much loan to repay first, and the rest will be said tomorrow, so it's always okay, it's really not okay, we can still discuss, as we are not unreasonable, a qiē from the actual situation, we will not be overly embarrassed by you, you will come over in a while, what do you have to meet and talk." Qiu Weiqiang said.

"Well, I'll go over to you in a moment. Li Zhong said.

"Okay, we'll wait for you here, and we'll discuss what we need to meet if we have any questions. Qiu Weiqiang said.

"This kid is really not good, his words don't count at all, the water that he says is spilled, how can he sit back on the he, he is a man in vain, he has no virtue at all. Xu Feng said.

"I'm in a hurry, it's not a solution, we have to find a way to solve it, and recovering the loan is the goal. Qiu Weiqiang said.

But what can he do if he doesn't repay the money, such a person can sue him, there is no need to pity him, don't steam steamed buns to fight for a breath, even if he doesn't repay the loan, he has to take this breath, so that he can also taste the taste of trial. If I don't give you a little bit of power, I really don't know that Lord Ma has three eyes, and he won't take you seriously at all. Xu Feng said.

"It's not okay to just breathe, your anger is out, but the loan has not been recovered, don't forget what we do, no matter what, it is the right thing to think about recovering the loan. Qiu Weiqiang said.

"My play is not big, he is deliberately looking for a way to deal with you, now it can be delayed for a day, Lord Yama the little ghost, comfortable for a while, it is a while, it is annoying to drag you, and it is in his mood not to go to him. Xu Feng said.

"As the saying goes, gongs and drums listen to the sound, talk to the sound, and can hear the sound of the voice, his money should be gathered, but he is reluctant to take it out, maybe he is encouraged by others, and he doesn't want to return the loan, to say that it is also unwilling, he is unwilling to take out so much money to repay the loan for no reason, not to mention that he knows that the money is wasted, and it is impossible to come back. Qiu Weiqiang said.

"How can you hear that? But I didn't hear the slightest hint of repayment, and I was obviously fooling you. Lord Yama issued a notice full of nonsense, which is not worth believing at all. Xu Feng said.

"I used to talk to him always saying that he was raising money, but this time he said that he didn't have so much money on hand, which means that he is ready, as you should think, if you want to repay this loan, you must be ready to pay the money, but you are a little hesitant in your heart, whether you can pay it back or try not to pay it back, plus someone is agitating on the side, and the thoughts fluctuate greater, so I speak to him a little softly and hard, and put some pressure on him to force him to repay the loan. Qiu Weiqiang said.

"There's really you, he can come whatever he thinks in his heart, and he can't accept it at all. Xu Feng said admiringly.

"In our industry, it is not enough to have a sense of aggressiveness, but also to ponder people's psychology and grasp the weaknesses of lenders, so that it will be effective. In a word, we must be calm when encountering things, we must not be impatient, and we must not act with emotion, give up lightly, and have the spirit of ants gnawing bones, even if there is a point of hope for retraction, we must work hard to strive for it, and we must not miss every opportunity. Qiu Weiqiang said.

"I hope as you said, he can repay the loan today, otherwise it will not have any effect if he comes out today. Xu Feng said.

"He'll know in a moment that there should be results today. Qiu Weiqiang said confidently.

At this time, a person walked in, Qiu Wei forcibly told Xu Feng that he was Li Zhong, and then stood up and took the initiative to greet him, and Li Zhong walked straight over.

"Brother Li, have you eaten?" Qiu Weiqiang asked.

"Thanks, just finished eating. Director Qiu, can we discuss the loan? Li Zhong said.

"It's totally possible, how much money you have, how much you can repay, and the rest will be talked about tomorrow. If it doesn't work, we can negotiate further, as long as the problem is solved, we are all happy. Qiu Weiqiang said.

"Director Qiu, you said that I was unjustly spent this money, and we only gave him a guarantee at the beginning. I didn't think there was any problem, but I never dreamed that he would be hit by a car and killed, and the vehicle that caused the accident ran away without getting a penny of compensation. As a result, I got such a big trouble, making me dumb to eat coptis, and I couldn't say anything about it, my daughter-in-law heard about it, and she quarreled with me for a few days, and she still ignores me. Li Zhong said.

"The law clearly stipulates that if the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint and several liability guarantee, and if the debtor of the joint and several liability guarantee fails to perform the debt upon the expiration of the debt performance period specified in the main contract, the creditor may require the debtor to perform the debt, and may also require the guarantor to bear the guarantee liability within the scope of its guarantee, which is protected by national law. Qiu Weiqiang said.

But some people said that this was a special case, and the bank could completely forgive the loan. Li Zhong said.

"The state has clearly stipulated that without the approval of the State Council and the People's Bank of China, no unit or individual has the right to waive loans, and none of us has any rights. Qiu Weiqiang said.

"His situation is more special, he can be regarded as a broken family, he has no ability to repay, he can apply for loan forgiveness, since there are regulations, then please raise your hand and let go of a poor person like me." Li Zhong said.

"As I said earlier, none of us have the right to forgive the loan, and as a guarantor, you have to fulfill the responsibilities of the guarantor. Qiu Weiqiang said.

"But I paid back this money, it is indeed a little wronged, who knew that the guarantor would have such a big responsibility, I would never have vouched for him. Li Zhong said.

"You also know the situation of his family, the bank is a guarantor with a certain reputation and financial ability, so he agreed to give him a loan, in a sense, you have really helped him a lot, and they will be grateful to you. Qiu Weiqiang said.

"But he's gone, and I'm responsible for repaying the loan, which really doesn't make sense. Li Zhong said.

"There are specific provisions in the Guarantee Act. Qiu Weiqiang said.

The guarantor shall bear the guarantee liability in accordance with the guarantee share agreed in the guarantee contract, and if there is no agreement on the guarantee share, the guarantor shall bear joint and several liability, and the creditor may require any guarantor to bear all the guarantee liability, and the guarantor shall have the obligation to guarantee the realization of all creditor's rights. The parties agree in the guarantee contract that if the debtor fails to perform the debt, the guarantor shall bear the guarantee liability. The scope of the guarantee includes the main claim and interest, liquidated damages, damages and the cost of realizing the claim.

"But repaying this money is really unjust, even the principal and interest is not a small amount, this is our family has accumulated for many years, and repaying the loan is equivalent to a waste. Some people say that I am the wronged leader, as the saying goes, there is a debtor who has been wronged, and his family can pay it back, and I should not repay the loan. Li Zhong said. (To be continued......)