President Liu and Guan Yuntian are close friends for many years, he knows Guan Yuntian's style of life very well, Lao Ma's new company belongs to a production-oriented enterprise, and Guan Yuntian knows that cord fabric is a low-profit product, President Liu believes that Guan Yuntian will not only agree to Changda Group's private financing platform to support Lao Ma's company, and even the interest will not be too high.

Seeing Lao Ma's embarrassed appearance, Liu Xingchang said: "If you are embarrassed to contact Mr. Guan, I can call him and tell him about your situation." ”

Lao Ma nodded, "Then trouble President Liu, take the time to talk to Mr. Guan about our situation, if you can get the support of Changda Group, then thank you so much!"

President Liu contacted Guan Yuntian on the spot, and the two sides agreed to meet in Changda Building in the afternoon.

At about three o'clock in the afternoon, President Liu pushed open the door of the chairman's office of Changda Group, greeted and exchanged a few words, Guan Yuntian made tea and brought it to the coffee table in front of President Liu, and sat down opposite, "Try Pu'er, a friend traveled to Yunnan some time ago and came back from the place of origin, if you think it is good, bring it when you go back to the unit." ”

"My friend brought it back to you from afar, how can I win people's love?"

"What is so beloved! You don't know, I'm a layman at tea tasting, and no matter how good the tea is, it's a waste to me, and I can't taste the quality of tea. Uh, why are you so laid-back today?"

President Liu picked up the teacup and took a sip, "Hey, Lao Ma officially took over your cord fabric project, and it took a month of operation before I remembered that there was no liquidity, so I went to find me this morning." ”

"Oh----, what about his own funds?"

"What kind of own funds! After he pays you the project transfer fee, there is not much left. Liu Xing said.

"I see! What should I do? You can give him a way to help him. ”

"I want to help him, but he is a foreigner, does not meet the loan conditions, even if you do a mortgage, you know better than me, as far as the Changda Group transferred those fixed assets and machinery and equipment, the depreciation is almost exhausted, can you mortgage a few dollars?

Guan Yuntian seemed to hear the other party's intention, "Then ...... you look for me?"

"Originally, Lao Ma was supposed to come forward in person, but he seemed very embarrassed, so he entrusted me to talk to you. Changda Guarantee Company, a subsidiary of Changda Group, can it help Lao Ma solve the liquidity problem?"

"Are you doing this? Guarantor Company...... It stands to reason that this is a very good customer, but the guarantee company belongs to a private financing platform, and the interest rate is higher than that of the bank!"

"Does that mean you agree to solve the liquidity problem for Lao Ma?" Governor Liu believes that although Guan Yuntian did not directly agree, he did not object, and only mentioned that the interest rate was higher, which was actually equivalent to agreeing.

Of course, Guan Yuntian hopes to see Lao Ma's company continue to operate normally, if it goes bankrupt due to lack of liquidity, although it has no impact on Changda Group, and it has nothing to do with Guan Yuntian, but what happened under his nose, outsiders will inevitably have all kinds of speculation.

The guarantee company under Changda Group does have the ability to solve Lao Ma's enterprise

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Solve the problem of liquidity, in the face of President Liu's door-to-door request for help, no matter which aspect is considered, Guan Yuntian really can't refuse, "Do your best, everyone is a friend, and you can't watch Lao Ma can't run it!"

"That's great! How much is the interest? Also, Lao Ma didn't say how much liquidity his business needs? Ask him later. ”

"You don't have to ask him, in fact, even if you ask him, Manager Ma now doesn't know how much liquidity is needed to maintain normal operation, he has not been in charge for a long time, and he has no experience, and the situation in this regard may not be clear to me, to maintain the normal operation of the current scale, it is estimated that 50 million to 100 million liquidity is needed. As for the interest, it must be higher than the loan interest rate of your Agricultural Bank. "Guan Yuntian said.

"What exactly are you going to set the interest rate? You also know that cord fabric is a low-profit product, and the loan interest rate is too high, and the enterprise can't afford it!" said Liu Xingchang.

"It's two or three centimeters higher than yours, and if it's lower, the platform won't survive. ”

"Based on your experience, do you think this rate is affordable for businesses?"

"If the loan interest rate is 2.5% higher than that of the Agricultural Bank of China, and if it is sold at our original price, the product will still have a net profit of 5%, I wonder if Manager Ma can accept this condition?"

President Liu, who is a financial accountant, made a simple estimate in his mind, and then said: "Five percent of the net profit, that is, one to two years of normal operation, Lao Ma can recover all the investment, I think this result is completely acceptable." ”

"Governor Liu, you tell Manager Ma that if he accepts the loan terms of Changda Guarantee Company, our private financing platform can solve the liquidity problem for his company, and only needs to perform simple procedures, or even no guarantee. "Guan Yuntian said.

"Then I'll let Lao Ma come over and talk to you now, and settle some things as soon as possible. President Liu called Lao Ma on the spot.

Ten minutes later, Lao Ma pushed the door in, and President Liu gave a brief explanation to Lao Ma about the situation he had just discussed with Guan Yuntian, "Mr. Guan and their subordinate financing platform agree to provide you with liquidity support in principle, and the question you have to consider is, can your company accept this interest rate? This is the lowest interest rate they can offer, and it can't be lower." ”

"President Liu, I don't have any experience, I don't know if the product is still profitable at this interest rate?"

"Although this interest rate is slightly higher than that of our state-owned commercial banks, the entry threshold for state-owned banks is very high. I asked Mr. Guan, according to his experience, in this case, the product still has five percent of the net profit, so it may be more abstract, let me tell you more specific, according to your investment in the project and the scale of production and product profits, the enterprise will operate normally for one to two years, you can recover all the investment. Governor Liu explained.

Lao Ma pondered President Liu's words, and he nodded, "The result is very good to be able to recover all the investment in one to two years! I have heard some people who do business say that projects that can recover their investment within a few years are considered good projects." ”

Guan Yuntian interjected: "Manager Ma, five percent of the net profit is based on strict management, and if there is a little slackness, this five percent will be gone!"

"Of course, Mr. Guan can rest assured that we will implement it in accordance with the tradition left by Changda Group

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Strict management, careful planning, and strive to do better!" said Manager Ma.

Manager Ma, your liquidity difficulties have been solved, and I should go back to the unit. With that, President Liu was about to get up and say goodbye.

Lao Ma hurriedly pressed President Liu, "You sit for a while, our liquidity is solved, I have to thank you and Mr. Guan, so let's do it, I will treat you in the evening, and I will go to the 'Tianxiang Pavilion', I will book a private room." ”

President Liu looked up at Guan Yuntian, "Manager Ma wants to have a treat, what does Mr. Guan think?"

"Manager Ma is inviting some guests, let's come." "Guan Yuntian wants to do the friendship of the landlord.

"Mr. Guan, the two of us have been busy with Manager Ma's affairs all afternoon, and I can see if he wants to treat him, or let Manager Ma break the bill once, right?"

"Governor Liu is right, you helped me solve a big problem, isn't it natural to invite you to a meal? The old horse said hurriedly.

......

Changda Group is involved in two areas of the new economy at the same time, the real estate market, the first project located in Huayuan City, in order to cooperate with Vice Mayor He's investment promotion plan, whether to start construction or not can be done, but the funds must be in place before the end of the year.

On the side of the physical manufacturing industry, the cord fabric project has been transferred, the auto parts project has been approved in the county, and the land acquisition procedures for the project in the development zone will be completed immediately, and the next step will be to start construction.

Ye Jiayi wanted to report to Guan Yuntian on the situation of the technical partner of the auto parts project, Guan Yuntian waved his hand again and again, "I have already said at the previous board meeting that you are fully responsible for the affairs here, and you don't have to report to me." ”

"That's not good, after all, you are the legal representative of the group company. Ye Jiayi is also very thoughtful in her work, she is afraid of others gossiping.

"What's wrong? You don't have to worry about anything. I'll just ask, what about the qualifications of this technical support unit?"

"They are one of the top automotive technology research and development units in the country, and all their information can be found on the Internet and the compilation materials of related industries. ”

"Then don't go any further, just go according to your plan. Real estate projects in the city, before the end of the year funds must be in place, auto parts project has been successfully approved, about to start construction, both sides at the same time to move forward, I estimate that the funds will be a little tight, the next step I want to focus more on project financing. "Guan Yuntian said.

Ye Jiayi seemed to have something to say, but she stopped talking.

"Are you trying to say something? Why don't you say it?"

"What I mean is that if the funds are tight, we should first meet the needs of real estate development, and the auto parts project is not too anxious, it can be postponed, and it is not too late to do it when the funds are relaxed. Ye Jiayi said.

Changda Group is a gold medal customer of various financial institutions, and we rarely ask them to do two new projects at the same time, and we need their support. Auto parts project can only seize the time to implement, absolutely can not be delayed, the country not only Changda Group saw the prospect of this project, I believe that many places, many enterprises will realize the importance of the project, who can seize the front, the first to build a supporting base, who can seize the commanding heights of the future market. ”

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