In fact, Lao Min is not ignorant of the relationship between the two companies, the last time he was in court, he knew that Changyuan Intermediary was a subsidiary of Changda Group, and he pretended to be confused in front of Lao Sun, he was trying to hide his rogue face.

"Director Sun, Xinglong Company has reached this point, even if Changda Group wants to take this opportunity to jam our neck, and he turns Xinglong Company upside down, we are unable to fulfill our guarantee obligations. "Lao Min continued to play scoundrel.

"Manager Min, I advise you to be aware of current affairs, otherwise your business will fall into a situation from which you will never recover. I told you just now, Changda Group is the parent company of Changyuan Intermediary, you want to play a scoundrel, but it depends on who you are facing, Changda Group is the largest private enterprise in the city, their boss was originally low-key, but you want to provoke him, he will make your reputation stinky in all financial institutions in the city, how will you gain a foothold in society in the future?"

"Thank you Director Sun for reminding me, I also understand this truth, the problem is that Xinglong Company is now poor, even if I want to fulfill my guarantee obligations, I am powerless!"

"Just now I reminded you to pay attention to who you are facing, this is not a casual joke, you think you are smart, the person opposite you is smarter than you! Let me ask you, where did Xinglong's foreign trade export money of millions go some time ago?"

"What's wrong with the foreign trade payment? We owe the supplier the payment, and the money is used to pay off the debt. ”

"Manager Min, don't be presumptuous, I have worked so hard to help you find a way to solve the problem, but I don't have time to go around in circles with you, your foreign trade payment is not at all like you said, used to return the previous arrears, but was transferred by you to a friend's account in the field, this point, Changda Group has investigated clearly. Seeing that Lao Min was still acting, Lao Sun couldn't bear it anymore and had to expose his old bottom.

"It was indeed transferred to a foreign account, but that is the unit where we owe money, and we have been owing money to others for many years, and the other party is also urging behind the buttocks, and there is nothing wrong with repaying the debt!"

"Yo, you still know how to repay debts? But don't be clever with me, the people of Changda Group have already made full contact with your friend and have figured out everything, and Manager Xiao of the foreign company named Hongfa Economic and Trade Company clearly told the investigators of Changda Group that they have no debt relationship with Xinglong Company at all, how do you explain this?"

Hearing this, Lao Min was like a frosted eggplant, and immediately wilted, "Director Sun, I have to do this as a last resort, a total of so much money, we lost the lawsuit, knowing that Party A and the people in the court's enforcement division are waiting for the money, if it is transferred to the account of Xinglong Company, it will be seized immediately, so I didn't let the unit accountant intervene, but asked friends from other places to transfer the money directly to him." ”

"You call this deliberately hiding funds, okay, I think this loan renewal is okay, with these millions, Xinglong Rubber Products Company does not need bank support. After speaking, Lao Sun was about to hang up the phone.

"Director Sun, don't do this! Without the support of the bank, our enterprise will not be able to sustain itself at all, what are these millions? Relying on this money, it is not enough to buy raw materials. ”

"What do you say? If the Changda Group doesn't agree, I can't do anything. ”

"Director Sun, you are a big leader, there must be a way, for the sake of Xinglong Company is an old customer of the Associated Press, please help us, please!"

"If you want me to help you, would you like to listen to my advice?"

"If you have any suggestions, please advise, I would like to listen to them. ”

"Let's start that way, I beg the general manager of Changda Group to ask them not to take away the tens of millions of equipment money deposited with us for the time being, so that the deposit-to-loan ratio of the association can be increased, and there will be a way for you to renew the loan. ”

"Thank you, Director Sun, when we get through this crisis, I will definitely come to thank you. ”

"Don't be in a hurry to thank me, Changda Group agrees to my request with conditions. ”

"What conditions do they have?"

"Didn't I say it at first, but they insisted that you fulfill your guarantee obligations. ”

"Director Sun, I also want to fulfill the obligation of the guarantor, but I don't have the money!"

"Manager Min, if you really don't have any money, I don't think people will put forward such conditions, the problem is that they know that you have transferred millions of foreign trade export payments to other places, what do you say?"

Lao Min was silent for a while, "This time the loan principal returned to the Associated Press, it is the export payment, where do you say I can find money to fulfill the guarantee obligation?"

"Oh...... Lao Sun was also silent, and after a while, he continued: "I can guarantee from this, and ask Changyuan Intermediary Company to lend you another five million, which is equivalent to you fulfilling the guarantee obligation first, but after Xinglong Company completes the renewal procedures in the Associated Press, the five million must be returned to the intermediary company immediately, and for the sake of insurance, the five million will be transferred directly from the bank and will not be in the account of Xinglong Company." What do you think?"

"After working hard for a long time, after completing the bank's loan renewal procedures, the Lianshe lent us 6 million in name and 5 million on the spot, but in fact Xinglong Company can only get 1 million, is that what it means?" asked Lao Min suspiciously.

"That's right, if you renew your loan for six million, you will actually only get one million. ”

"What's the point? It's better not to renew the loan. Lao Min said angrily.

"You can not renew the loan! However, you have to think clearly: First, after all, you can still get 1 million yuan for renewing the loan; second, it is only natural that you can repay the debt, of which 2 million of the 5 million you guarantee for the fine company, directly belongs to your Xinglong Company, and the other 3 million people have made counter-guarantees for you, and the counter-guarantee assets are in your hands, and if you don't repay this money, who will pay it back? If you don't renew the loan, we don't care, anyway, the Associated Press has already recovered the loan principal, but not only will you not get 1 million, but you can't rely on the 5 million loan from the Changyuan Intermediary Company. You can do it!"

"Director Sun, you let me think about it. ”

"Think about it, Manager Min, don't think that you are smart all over the world, everyone else is a fool, sometimes you are smart and mistaken by smart. Lao Sun said sarcastically.

There was a long silence on the phone again.

Lao Sun Cui asked: "Manager Min, if you need some time to weigh the pros and cons, let's end the call, and then come to me when you think about it." ”

"No, I can decide now, the question is how to operate exactly?"

"It's not complicated to operate, Xinglong Company went to Changyuan Intermediary Company to go through a loan of 5 million, I signed it, and the Associated Press can handle the renewal procedures for you. After the loan procedures of the association are completed, the bank directly transfers 5 million yuan to the Changyuan intermediary company, and the debts between you and the Changyuan intermediary are all settled, and then you go to the Changyuan intermediary company to get back the loan procedures and the previous related procedures, and the matter is over. ”

Maybe it's a little twisted, Lao Min summed up again for a while, "Well, it's so far, it's just like this, Director Sun, just do it according to your method." ”

"If you're settled, I'll say hello over there, after all, there are still some formalities for both of you. ”

"Thank you, Director Sun, please contact that side as soon as possible. ”

Lao Sun turned around and reported the situation to Guan Yuntian, "Lao Min accepted the conditions, in order to make the play more realistic, I asked him to go through a loan of five million from Changyuan Intermediary Company first, nominally even if he returned the five million loan of the intermediary company first, you tell Lao Chang that you don't have to do anything after completing the procedures, and then wait for our Associated Press to complete the renewal procedures for Xinglong Company, and transfer five million directly to the intermediary company." Then, let Lao Chang return the relevant procedures to Xinglong Company, and the matter will be over. ”

"Well, this has to be done like this, otherwise there is really no way to take Lao Min. Director Sun, I'm bothering you!" Guan Yuntian said.

"Hey, it's nothing to bother, Lao Min was reluctant at first, I was persuaded and scared, and finally listened to my opinion. You say hello to Lao Chang, and I'll ask Lao Min and them to go over and go through the formalities as soon as possible. ”

On the morning of the next day, the accountant and cashier of Xinglong Company went to the Changyuan Intermediary Company to go through the procedures for a loan of 5 million yuan, and after Lao Sun signed this document, he sent it back to the Changyuan Intermediary Company, and then the credit union successfully handled the renewal procedures for the 6 million yuan loan to the Xinglong Rubber Products Company, and in the presence of the financial personnel of Xinglong Company, the cashier of the Associated Press transferred 5 million yuan to the Changyuan Intermediary Company on the spot.

After more than half a year, the loan that caused Guan Yuntian troubles was finally recovered, although the process was tortuous, and some costs were generated, but this move proved to the outside world that no matter who or what means were used, it was futile to get cheap in Changyuan Intermediary Company, Guan Yuntian could give alms, and he could donate money to repair the road alone, but if he wanted to use despicable means to defraud him of funds, he could only ask for his own hardship.

......

The establishment of the private financing platform, to many small and medium-sized enterprises and individuals to solve the financial problems, but has attracted the attention of the regulatory authorities, one morning at more than nine o'clock, two cadres to the Changyuan intermediary company Changchang office, the other party to show their identity: "We are the staff of the Banking Regulatory Bureau, this is our Director Fan." The young man who came with him introduced.

Lao Chang hurriedly got up to greet him, "Welcome Director Fan, welcome two leaders, please take a seat." "I often made tea for the guests, and I sat down next to the coffee table.

"We're here to inspect the work and get all your formalities and documents. Director Fan said.

"Is this an annual inspection?" The business license was hung on the wall, and Lao Chang took out the documents locked in the filing cabinet and put them in front of the two leaders.

"What departments have approved the establishment of this intermediary company?"

"It should have been approved by the relevant departments, but I don't know what specific departments approved it, because I hadn't come at that time, and I had to ask the leaders of the group company about the situation. Indeed, during the preparation period of the intermediary company, Chang Chang has not yet withdrawn.

"Okay, you bring these documents and go with us to the leaders of the group company. ”

Lao Chang brought two staff members of the Banking Regulatory Bureau to the headquarters of Changda Group Company, and they knocked on the door outside Guan Yuntian's office, "Please come in!"

Pushing the door in, Lao Chang introduced: "Mr. Guan, this is Director Fan of the Banking Regulatory Bureau, this ----"

"Oh, my surname is Chen, just call me Xiao Chen. The young man next to him reported his home.

Guan Yuntian stood up, "Welcome leaders, please sit down." At the same time, an internal phone call was made, and then a staff member entered the house to make tea for the guests.