"What is this, anxious for you like this. [Ran^Text^Library] Lin Dongsheng casually looked at the thick paper in his hand, and pretended to smile easily, "The 100,000 anxious look on the phone, when Comrade Tianxiang is so anxious, I don't see much!" How's the body? He also said that he took the time to visit you in the hospital in the past two days, but who knew that he would let you come to see me first. ”

"My body doesn't matter, there's nothing to do, I don't dare to bother you to remember" Qi Tianxiang responded with a polite smile, and then said seriously: "It's really not a trivial matter, otherwise I wouldn't dare to disturb you." This is the bank capital flow details of Hezhou Heavy Machinery Group and several important companies in the past six months, which may not be very complete, but the problem is already very serious. ”

"What do you mean?" When Lin Dongsheng heard the name of Hezhou Heavy Machinery Group, he was faintly unhappy and disgusted, and always felt that someone was making a fuss about Hezhou Heavy Machinery Group, not to mention ulterior motives, and the purpose was not very pure. But looking at the anxiety in Qi Tianxiang's sincere eyes, it was not easy to attack, so he could only say lightly: "Tell me, there are some serious problems." ”

"Governor Lin, don't be careful, I don't mean anything else." Qi Tianxiang saw Lin Dongsheng's unhappiness, and suddenly felt a little embarrassed, but the situation was serious, and there was no better way, so he could only explain patiently, but it was difficult to calm down, "From these capital flows, it can be preliminarily seen that Hezhou Heavy Machinery Group has serious financial rupture concerns, and the accounts receivable shown here are more than 7 billion, and it is estimated that the funding gap is conservatively above 10 billion." ”

"What do you mean? Are you saying that now Hezhou Heavy Machinery has more out and less in, and there is no money to circulate? Lin Dongsheng raised his head puzzled, reached out and took off his reading glasses, looked at Qi Tianxiang with wide eyes, and asked incomprehensibly, "Why is this happening?" What does this mean? ”

"It shows that there are serious difficulties in the funds of Hezhou Heavy Machinery Group, if the bank loan expires, it may cause a big financial panic, which will affect the production and use of funds of Hezhou Heavy Machinery Group, and may cause huge fluctuations in the stock price of listed companies and uneasiness, which will bring about a more serious chain reaction." Qi Tianxiang pondered his tone and words, trying to appear as calm as possible, so as not to make Lin Dongsheng unhappy.

"Don't hide it, say anything, don't care what I think, how I think." Lin Dongsheng looked at Qi Tianxiang with a straight face, his eyes were full of contradictions, not only incomprehension and anxiety about things, but also regret for Qi Tianxiang, and unhappiness for someone to talk about things through Hezhou Heavy Machinery Group, "Put everything down first, you don't have any worries, what to say." ”

"These flows are copied from the banks, as well as from other channels, not necessarily very complete, after analysis and judgment can be seen that in a long period of time, Hezhou Heavy Machinery Group and related secondary companies, a large number of funds have been allocated. At the same time, a large number of accounts receivable have not been recovered after serious overdue, and between this one and the same, a large number of funds of Hezhou Heavy Machinery Group are outside the scope of control. Qi Tianxiang's words gradually became solemn, and he seemed to have deep worries, "and from the feedback of several large state-owned and joint-stock banks, the medium and long-term loans under the current accounts of Hezhou Heavy Machinery Group are initially estimated to be tens of billions of yuan. ”

"How could this happen, how could such a low-level mistake appear in such a large enterprise." Lin Dongsheng stood up a little excitedly, stretched out his hand and motioned for Qi Tianxiang to sit on the sofa, "I am also from an enterprise, and the capital flow of an enterprise is the basic guarantee for normal production, don't you understand such a simple truth?" ”

"Either you can't hide anything from your eyes!" Qi Tianxiang pretended to look at Lin Dongsheng easily, and could see that he no longer had a hostile and suspicious look towards him, and said presumptuously and ridiculed: "You must be unhappy to say that you are Lao Huangli, but modern enterprises either work for the bank or let the bank work for the enterprise, and the proportion lies in the use and allocation of cash flow." ”

"Let's listen to it, today I will listen to you, a big doctor, give me a lesson on the modern enterprise system." Lin Dongsheng also understood the meaning of Qi Tianxiang's relaxed words, which was not only to relieve the tense atmosphere, but also to provide an effective buffer or foreshadowing for the serious topics to be said, so he also smiled and joked: "Sit down and talk slowly." ”

"I'll shake my spirits and see if I can explain to our governor the problems of capital and financial operations in modern enterprises." Qi Tianxiang watched Lin Dongsheng sit down, then sat down slowly, took the cigarette handed by Lin Dongsheng, thought about it and said: "Modern enterprises are all marketing-oriented enterprise types, production and warehousing are marketing services, and enterprise management is also around marketing, not blind production, no stockpiling of materials, no backlog of products, everything is determined by orders or marketing." The flow of funds and finances revolves entirely around marketing, where there are orders to prepare funds and materials, organize production, and then deliver products to customers and collect cash into the accounts. The funds can be self-owned funds or short-term bank loans, and the bank loans will be repaid after the business is completed, and the profits may be deposited in the bank for interest, or investment operations will be carried out. Qi Tianxiang looked at Lin Dongsheng's reaction, and continued with great interest: "Sometimes to put it simply, a modern enterprise is a company in a high-end office building, with no workshop, no production equipment, no workers, and even no funds, some are patented technology and scientific and technological achievements, or marketing channels and orders, production products can be found in factories OEM, funds can be found in bank short-term loans or short-term financing, as long as the maintenance of product research and development or marketing channels is guaranteed, and follow-up services are done." This is the difference between working for a bank and hiring a bank job. ”

"It's really better to listen to your words, than to read a book for ten years, to hear you say that we used to do business blindly, but it is not as good as the so-called modern of buying and selling now, but it is just a new bottle of old wine." Lin Dongsheng listened to Qi Tianxiang's words, his eyes lit up, and he wanted to praise a few words, but he still sneered with a gun and a stick: "There is no social responsibility, no social division of labor, just making money, it is processing in a patchwork, if you don't make money, you will pat your ass and leave, if you have a conscience, you will pay taxes according to the rules, unscrupulous tax evasion, and the favorable fields will swarm up, whether it is speculation or capital operation, it is all for profit." To say that the simple point is the advantage of the system, and to say that the point is that there is an extra layer of exploitation. Furthermore, can the large-scale equipment manufacturing industry also make quick money in such a short period of time? Can production and construction, which is sophisticated and related to national security, be so simple and sloppy? Who will maintain social order? Who will participate in the stability of people's lives? Don't want such a modern system! ”

"Your words are what make people feel empowered!" Qi Tianxiang couldn't help but look at Lin Dongsheng with admiration, and said with emotion: "It's a pity that many people don't understand this truth, thinking that as long as they make money is the biggest contribution, they can ignore it if they can bring benefits, and even take risks. ”

"Oh, let's hear it." Lin Dongsheng knew that Qi Tianxiang was about to enter the substantive topic, and gently encouraged: "Speak slowly, speak carefully." ”

"Hezhou Heavy Machinery Group's cash flow problem, there are basically so many problems, one is the upstream supply chain of enterprises, with financial support or support to achieve equity holding, the downstream sales end to take distribution or capital investment, to achieve the effect of establishing or controlling channels, many of the heavy machinery group of joining and holding companies are contacted in this way. This is a matter of business philosophy, and the merits can be debated but not criticized. ”

Qi Tianxiang said slowly, describing the facts as gently as possible, without mixing personal emotions, "The other is the type of capital investment, because Hezhou Heavy Machinery is a well-known large-scale key enterprise in our province and the whole country, and it is also a high-quality large customer that major banks are chasing, bank loans and credit are given priority, and medium and long-term loans are more focused, not only do not raise interest rates, but can even negotiate interest rates." Enterprises can obtain high-quality medium and long-term loans from banks, put them into subordinate or related enterprises, and charge interest higher than the bank interest rate. Between this drop and rise, the company gets a considerable spread income. This is also the usual practice of many large and excellent enterprises. ”

"There is also a large enterprise group, using easy to obtain loans, expansion or investment, in order to obtain greater operating income, such expansion has been very common among large enterprises in the past few years, not only to expand the scope of business of enterprises, but also to expand the scale of enterprises, is a reality that enterprises and local governments are happy to see." Qi Tianxiang analyzed in detail, "Due to the competition for investment, without the participation of professional investment personnel and professional institutions, the investment of enterprises is often the result of the interest of the person in charge or the government's leadership, and the price and value of the alignment are seriously deviated, especially when there are several competitors, the investment is a little blind or impatient." Normal investment requires a certain period of capital precipitation in order to generate possible returns, while enterprises need to continuously mobilize funds to replenish investment and fill bank loans as they mature. This is also one of the reasons for the tight capital chain of enterprises, and it is also a problem that needs to be improved through evaluation. ”

"You say slowly, don't worry, this afternoon's time belongs to you Tianxiang, and no one will bother." As he spoke, Lin Dongsheng casually pressed the red button on the sofa, whispered a few words to Xiao Li, the secretary who walked in in a hurry, and then picked up Qi Tianxiang's teacup, walked to the water dispenser to fill it with water, and gently put it back in front of Qi Tianxiang, and joked gently: "Put the problem through today and find the solution, otherwise neither of us can get off work." ”

"Then I'll talk about it for a while, and I can have a meal at the governor's place by the way." Qi Tianxiang stretched out his hand to protect the teacup as a sign of gratitude, and responded with a chuckle.

"Think beautifully, my wine and rice are so easy to mix." Lin Dongsheng pretended to be dissatisfied, smiled slightly, was very satisfied with Qi Tianxiang's wit and humor, and raised his hand to signal Qi Tianxiang to continue.

"The above are the use of funds in the process of business operation, although it is abnormal, but it can also be understood." Qi Tianxiang slowly began to reveal the substance, "There are several situations that are not normal, one is the extracorporeal circulation of funds to invest profits, the specific method is that the accounts receivable are not recorded in a standardized manner, but included in other projects, circulating between secondary or franchised enterprises, and turning income into input in various names, obtaining interest rate differentials or investment income, but the income does not enter the group, but enters the small treasury of the enterprise, or simply enters the personal pocket." In addition to cash flow, there are acceptance bills, commercial guarantees, joint guarantees, etc., simply put, the accounts receivable are delayed or not collected in different ways through two channels of enterprises and banks. ”

Seeing that Lin Dongsheng's expression gradually became severe, and his face was slowly turning red, Qi Tianxiang said more cautiously: "There is also a kind of sales revenue deduction material reversal, which is mainly concentrated in the supply and marketing department. Due to the large number of branches of the group, associated or associated enterprises, the circulation of funds and materials during the period is very frequent, which brings opportunities for some departments or individuals to make profits, receivables in different names into materials, can be the products and raw materials of the enterprise, can also be the materials or raw materials of other related enterprises, cash into materials, it re-entered the production and sales link, but the saleable profits are not included in the group's profits, lagging funds after one or several such cycles, It may have been a long time since the accounts were finally returned to the group. ”

"What is the proportion? That is, how serious? Lin Dongsheng couldn't help but interrupt Qi Tianxiang's narration, and also realized the seriousness of the situation, and couldn't help but reveal the doubts in his heart, but soon felt that he was a little out of shape, especially in front of Qi Tianxiang, who was inferior to himself in position and age, not only rude, but also a little not calm and calm enough, so he quickly adjusted his emotions, and tried his best to emphasize calmly: "You go on, say it in detail, and say it all." ”

"There is another one that is simpler and clearer, that is, the supply and sales of group or secondary enterprises, some staff overpay advances, and accounts receivable are not collected or delayed, so as to obtain a lot of returns and benefits from related enterprises."

Qi Tianxiang cut off and said, knowing that Lin Dongsheng no longer had the patience to listen to him in detail, just as after he heard about this incident in the hospital, he called Zheng Ming anxiously to report that his self-cultivation and cultivation were naturally inferior to Lin Dongsheng, but even if Lin Dongsheng was so calm, it was difficult to be calm.

"The latter situations are more common, and the preliminary analysis should be more than one-third of all receivables, and other situations may also account for more than one-third." Qi Tianxiang looked at Lin Dongsheng squarely, said honestly, and tried his best to hide the proportion of the money, but he still couldn't reduce it to a smaller one. ”

"And where is the nearly third? Where did it go? Lin Dongsheng's eyes contained anger, staring at Qi Tianxiang's eyes sternly, it seemed that he had taken some money, and it seemed that he could find the answer in his eyes.

"Which third can only be said clearly by Zhou Wei and the others." Qi Tianxiang smiled bitterly and looked at him, he knew that Lin Dongsheng understood what he meant, and he also knew what it would be like to lift the lid like this, and couldn't help but add with emotion: "Maybe there are still people who know where the money goes." ”

"Don't be sloppy, just talk about the details I can listen to." Lin Dongsheng understood what Qi Tianxiang said, but he misunderstood the meaning of Qi Tianxiang's implicit words, thinking that it was inconvenient to tell the specific content, and he couldn't help but feel a little angry in his heart. ”