Because Xinglong Rubber Products Company did not deal directly with Changyuan Intermediary Company, Lao Min didn't know a few people in front of him, "...... are you?"

"We are Changyuan intermediary. Lao Chang took the initiative to step forward and shake hands.

"Changyuan Intermediary Company----? Oh, please take a seat. Manager Min has no impression of the word Changyuan, but he is no stranger to intermediary companies.

"Manager Min, we came to you today to discuss with you about the exquisite packaging company. "It's the same old way.

"What's wrong with the exquisite packaging company, why are you talking to me?" asked Lao Min as he pulled a chair and sat down, apparently knowingly.

"The loan of the exquisite company with us has been overdue, and the principal has not been repaid so far, and we can't contact their manager Feng, I wonder if Manager Min has any news of Lao Feng?"

"I haven't been in contact with their manager Feng either, who knows what he's busy with, you can't get in touch, and I don't necessarily have a way. As he spoke, Lao Min used his mobile phone to dial the other party's phone, and the voice prompt could not be connected, "What is Lao Feng doing here?" Lao Min said to himself.

"Manager Min, this loan expired ten days ago, we have contacted Manager Feng many times, but we have not been able to get in touch, we think that this loan of Jingjing Company has actually defaulted. ”

"yes, it's a real problem that I can't get in touch. ”

"In the event of a de facto default by the delicate company, we would like to ask Manager Min, what should be done with this loan next?"

"What to do? You can't ask me! No, you can sue him. ”

"Of course, it is very simple to sue for a lawsuit, but who wants to file a lawsuit unless it is absolutely necessary! Besides, Xinglong Company is the guarantor of this loan, and according to the prior agreement, we must first consult with the guarantor. "Lao Chang is very careful to speak in a measured manner, and he speaks very tactfully.

"Talk to me? My point of view is to sue him. ”

"Whether to sue him or not is your business, according to our prior agreement, once the loan defaults, we will only consult with you, because you are the guarantor. "The old man was tepid, but his tone was very firm.

"Could it be that I, the guarantor, was wrong? Why do you still have to rely on me now?" Lao Min has been in the business for many years and has dealt with financial institutions a lot, and he is well aware of the obligations of the guarantor.

"Manager Min, you are the guarantor of the exquisite company, right or wrong, it is completely between you, and we have nothing to do with it, when Lao Feng asked you to guarantee, it is estimated that both of you are voluntary, and now we are not going to push the responsibility for loan default to you, because Xinglong Company is a guarantor unit, we can't find the parties, according to the guarantee agreement, we naturally have to discuss with you to solve the problem." "I often speak unhurriedly, but every sentence is urgent.

"It is true that Xinglong Company is a guarantor, but we are not a direct borrower after all. Lao Min was still not convinced.

"I have been doing finance all my life, and I am very familiar with the relationship between enterprises and financial institutions, Manager Min, let's not go around in circles, there are almost no people who do not deal with banks, but anyone who has dealings with financial institutions, no one does not know what it means to guarantee for others, you are such a smart person, naturally you should be more clear. Specific to the loan of the exquisite company, we had a clear attitude at the beginning, only if they find a suitable guarantee unit, the loan is possible, in fact, we want to use this as a reason to reject them, who would have thought that you would be willing to come forward to guarantee Lao Feng?"

"Don't talk too far, just say, what are you looking for me for?" Hearing the other party reveal the old bottom, Lao Min couldn't hang up a little.

"It's nothing, I just hope that your Xinglong Rubber Products Company will fulfill its obligations as a guarantor. "It's always very simple.

Lao Min was silent for a while, in fact, he was mentally prepared, he knew that this day would come sooner or later, and he had borrowed five million, but now he can't find a borrower, who is he looking for if he doesn't find a guarantor?

"To fulfill the obligation of the guarantor, that is, to ask us to repay the loan for the exquisite company, which is the case, but we are also short of funds now!" Lao Min poured bitter water.

Lao Chang thought that Lao Min had actually agreed with the obligations he would undertake, so he spoke politely, although the other party had an unshirkable responsibility, as long as people admit it, they should be respected, "Since Manager Min said so, then we will leave, five million is not a lot of money for a large enterprise like Xinglong Company, I believe that the company can repay this loan by squeezing it in any link." ”

After speaking, Lao Chang and his entourage of four said goodbye, and Lao Min did not stay.

Along the way, Lao Chang was thinking about one thing, although Lao Min recognized his obligations, but at the same time he proposed that the company's funds were tight, if he used this as an excuse to delay for a long time and not pay it back, what should he do?

Back at Changyuan Intermediary Company, it was already noon, and after lunch, Lao Chang hurriedly reported the results of going to Xinglong Company to Guan Yuntian.

"What is the attitude of Xinglong Company?" asked Guan Yuntian.

"At first, I didn't even want to take on the obligations of the guarantor. ”

"Is Lao Min deliberately pretending to be crazy and stupid? How many years has he been borrowing from the credit union? Can he not know the obligations of the guarantor? Moreover, he took 2 million at that time, and he still has 3 million counter-guarantee assets in his hands, and this loan should be repaid by him!"

"After our arguments, we agreed to help repay the loan, but he said that now the company's funds are tight, and I wonder if Xinglong Company only admits that he is obliged to repay the loan, but does not pay it for a long time, what will we do?" said Chang anxiously.

"If this happens, it can be regarded as a bad guy, then there is no other way but to go through legal procedures. "Guan Yuntian said.

"Well, Mr. Guan, I remember that when I first applied for a loan, didn't Deputy Director Guo of the County Planning Commission come forward to intercede? Lao Chang suddenly remembered this trick.

"This has nothing to do with Director Guo! The current debtor is no longer a fine company, they actually only used the three million of this loan, and now, the assets used to repay the loan are only valuable to Lao Feng's store house, but this asset is in the hands of Lao Min of Xinglong Company, how do you say that Director Guo is looking for others?" Guan Yuntian said.

However, this kind of lawsuit is time-consuming and troublesome, and even if the lawsuit is won, the final implementation is not too optimistic!"

Guan Yuntian pondered for a moment, "If Xinglong Company has not moved in a few days, you can directly ask Lao Min, which is more important, the five million loan or his Xinglong Rubber Products Company?

After repeated negotiations to no avail, Guan Yuntian instructed Mr. Zhao, the perennial legal counsel of Changda Group, to intervene in the matter and prepare a civil lawsuit against Xinglong Company, and of course, Exquisite Packaging Company, which is also a defendant of equal status.

After adducing evidence at trial and investigating in court, it was ascertained that Xinglong Company had directly taken 2 million yuan from the loan and that Jinglong Company had taken the counter-guarantee for it, and the court ruled that Jingliang Packaging Company and Xinglong Rubber Products Company had lost the lawsuit, and Xinglong Company, because of its status as a guarantor, had occupied another 2 million of them, and also held 3 million counter-guarantee assets, and had the obligation to repay all the loans.

Even though it was a counter-guarantee asset of Fine Company, when the court enforcement division went to seize it, it was discovered that as early as a few months ago, the property rights of the three sets of shops on the street had been mortgaged by Xinglong Company to a creditor.

Even if the two million cash directly taken, Xinglong Company has no intention of returning it, and the police officer of the executive court found the company's manager Lao Min, and he led the case-handling personnel into the warehouse, "Please tell Changyuan Intermediary Company, I admit the debt, but I don't want money, but we have products here, these motorcycle tires and electric car tires, you can take them away, and I will let the custodian and financial personnel come to keep the accounts and count." ”

"Don't be in a hurry to count, what's the use of us pulling your tires? We don't understand this thing, we are on official business, you have to ask the creditor if you want these items?" said the executive officer.

Changyuan intermediary company is a private financing institution, they take these items can not be realized at all, what they lend out is cash, what they recover is a bunch of goods, even if they are placed in Changda Group, these tires are useless, so as a result, Guan Yuntian categorically refused.

"Lao Min, this is a sincere trick!" After knowing the situation, Guan Yuntian sighed.

"What can we do about this? Let's lend out five million in cash, can't we just give it to him for nothing?"

"Don't move and wait for my call. ”

No matter how shrewd Manager Min of Xinglong Company is, he is not only facing Lao Chang, but Guan Yuntian, chairman of the largest local private enterprise, to see what kind of tricks Lao Min can play.

Guan Yuntian personally visited Lao Sun, director of the Associated Press, and asked him to impose certain sanctions and beatings on Xinglong Company in the name of the Associated Press.

Of course, Lao Sun will give Guan Yuntian face, he must help with this favor, first, he and Guan Yuntian have been friends for many years, in addition, Changda Group has a large number of financial contacts with the credit union, and the interests of the two sides are deeply intertwined.

According to Guan Yuntian's request, Lao Sun first had to find out the specific situation of Xinglong Company, and this task naturally had to be completed by the manager in charge of Xinglong Company's credit business.

Xiao Yin didn't know what the director meant by asking, "Accountant Wang, I haven't been in touch, since the last time we met, I haven't contacted him again because there is nothing to do." ”

"You contact him again and find a chance to get together. ”

"Director, is there something wrong?" Xiao Yin thought to himself, there is nothing to get together, it costs money to get together, and you don't reimburse you.

"I have heard others talk about this Xinglong company, their company may have some problems, containing certain risks, Xinglong company is our customer, we must pay attention to their movements at any time. Lao Sun said.

"Last time, Lao Wang said that their inventory was increasing, and they occupied more liquidity. ”

"These facts are already clear, there is no need to inquire again, if you make an appointment with this accountant Wang to meet again, there are two main things to ask: first, you ask him if he knows about the lawsuit between Xinglong Company and Changyuan Intermediary Company? Regarding the counter-guarantee assets of Exquisite Packaging Company, does he know what is going on? Second, under the pretext that the bank is concerned about the risks of enterprises, you ask him what is the current financial situation of Xinglong Company? Let him tell you the truth. Lao Sun commanded.

It was Friday, and Xiao Yin was going to ask Accountant Wang to dinner, but Lao Wang wanted to accompany Manager Min of Xinglong Company to socialize, and he asked if he could do it after dinner, and of course Xiao Yin agreed.

At about half past eight in the evening, Xiao Yin and Lao Wang arrived as promised, and they sat down in a secluded place in a coffee house, "What do you want to drink?" Xiao Yin asked.

"In the café, if you drink something else that is not authentic, you have to drink coffee, let's have a drink. ”

"Instant or freshly ground?"

"If you're not used to the taste of freshly ground food, let's get it instant. ”

A few minutes later, the waiter brought two cups of instant coffee and placed them in front of the two guests.

"The last time we saw each other was a month ago, right?" asked Xiao Yin.

"Well, almost, why did you remember to meet me again today?"

"Today is the weekend, let's also learn from the people of the metropolis and spend the weekend. ”

"You are an authentic white-collar worker, you are eligible to spend the weekend, we work in a private enterprise, and this kind of thing is never wanted. ”

"What! You're a real white-collar worker, and your income is higher than ours. ”

"You don't know, our pressure outsiders can't imagine that white-collar workers like us are laughing at it. Lao Wang smiled bitterly.