Guan Yuntian didn't come here to chat with Governor Liu, he wanted to find a way to get the topic on the right track, "Governor Liu, has the credit policy of the Agricultural Bank of China loosened now?" Guan Yuntian asked knowingly.

"Loose credit policy? What do you mean?"

"For example, for private enterprises. ”

I remember telling you before that the Agricultural Bank of China's credit policy for private enterprises was liberalized a few years ago. ”

Guan Yuntian slapped his head, "Look at my memory, yes, you mentioned it before." I've been so busy all day long, I haven't come to see you for more than half a year, and I've forgotten all your policies. ”

"What are you busy with every day, how is the company now?" asked Lao Liu.

"Busy with the commissioning of the new project, the company is not bad now, we have completed the third phase of the new project in more than a year. In front of Lao Liu, Guan Yuntian deliberately looked very proud.

"How big is the production scale?"

"The annual output of all-steel-semi-steel radial tires is 600,000. ”

"Yo, this scale is okay!" Lao Liu didn't expect Guan Yuntian's enterprise to develop so quickly.

"President Liu, we didn't know about this industry before, but now through in-depth contact, we know that the outside world thinks that the scale of 600,000 is not small, in fact, industry experts warn that only the annual output of 1 million can be regarded as the best economic scale. ”

"According to your statement, according to my understanding of the county's tire companies, that is to say, almost none of the dozen tire manufacturers in Fuyuan County have reached the best economic scale?"

"So to speak. In the past, I didn't pay attention to this problem, but through in-depth exchanges with some experts from the rubber design institute, they pointed out the common problems in the industry. ”

"I see! But I don't understand the difference between the average scale of production and the optimal scale of economy?"

"The so-called optimal economic scale means that the various factors of production have reached the optimal ratio, and no factors are wasted in the production process. On the contrary, in the general scale state, due to the unreasonable combination of various production factors, the waste of some factors in the production process will inevitably result, which is the essential difference between the two. Guan Yuntian explained.

"In this case, it will eventually lead to the difference in the cost of the two, right?" Lao Liu is a financial professional and is very concerned about costs.

"According to the experts and our detailed calculations, if the optimal economies of scale are achieved, the cost of the product will be reduced by 10 percent compared to the usual situation. ”

"Yo, the difference is so big, this should attract the attention of the enterprise!" Liu Xingchang said.

"I don't know if others pay attention to it, but I attach great importance to this issue, and the cost is reduced by 10 percent, what is this concept?"

"Mr. Guan, you see farther than others, I believe that Changda Company will definitely not repeat the mistakes of other companies. ”

"But President Liu, I don't have enough spare power now! I see the existing problems and want to solve them as soon as possible, but the strength of the enterprise itself is limited, what do you think I can do?" In front of the president of the Agricultural Bank of China, Guan Yuntian poured bitter water.

Although the relationship with President Liu is relatively familiar, after all, he is not a friend who is called a brother and a brother, so Guan Yuntian is roundabout and does not dare to talk about things directly.

Governor Liu heard what Guan Yuntian meant, "Are you saying that Changda Company does not have the strength to continue to expand production? But you have built up a scale of 600,000 yuan, from 600,000 to 1 million, which is not much different, do you still need a lot of investment?"

"Don't hide it from President Liu, it is the investment of 600,000 yuan in the early stage that has invested all the company's own funds, and we are now exhausted. ”

"Lao Sun, their association has been good in the past few years, you can seek the support of the association. ”

"President Liu didn't know that Changda Company could develop to today's scale because of the support of the Associated Press, and this time, they also faced some internal problems. ”

Having said that, Lao Liu completely understood the purpose of Guan Yuntian's visit, "Mr. Guan, if you have anything to say, you might as well say it directly." "After all, Guan Yuntian is not a very good friend, even if he has guessed Guan Yuntian's intention, Lao Liu refuses to say it in person.

"President Liu, we hope to get the support of the Agricultural Bank of China to expand production in the next step. "Since Lao Liu has said this, there is no need for Guan Yuntian to go around in circles anymore.

"Agricultural Bank of China support----, ouch, Changda Company did not have any business dealings with Agricultural Bank of China before, and your sudden request for support made it difficult for me to do it!" Lao Liu frowned, looking very embarrassed.

In this financing, Guan Yuntian pinned all his hopes on the Agricultural Bank of China, and he made up his mind on the way here, no matter what Lao Liu said, he would not be in a hurry, "President Liu, we did not do business with the Agricultural Bank of China before, this is a fact, but from now on, Changda Company can open an account with you immediately, and our current cash flow in and out is not small, and part of the payment can be taken from the farm." ”

"That's okay and we're welcome it. But even so, if you want to get a loan from the Agricultural Bank of China, can you afford to wait for a set of procedures?"

"How long do you have to wait?"

"It is half a year at most, and three or five months at least. ”

"Hey, I thought it would take a long time, it doesn't matter, we can afford to wait in time, because the expansion still needs to be demonstrated, and the most important thing is that this expansion is not only the expansion of the production capacity of the project itself, but also involves the construction of a 100,000-kilowatt captive power plant, and this procedure may not be able to run down in a month or two. Seeing that Lao Liu's attitude had loosened, Guan Yuntian's expression was also a little relaxed.

"What, you still want to build your own power plant? Why do you suddenly have such an idea? Mr. Guan, do you know that the investment in building a power plant is not small!"

According to experts, tire manufacturing is a high-energy consumption industry, if the scale reaches one million, the annual electricity consumption will be very large, and I am afraid that the county power supply bureau will be stuck in the neck of the enterprise. ”

"It's also said that if the equipment capacity is reached, but the electricity becomes a problem, then it is really troublesome. In addition, to apply for a loan at the Agricultural Bank of China, all the procedures are formal, such as project approval report, feasibility analysis report, etc., as soon as possible. ”

Changda Company's previous loan business took place in the credit union, because of the close relationship with the first and second leaders of the association, these procedures are saved, the requirements of the Agricultural Bank of China are very strict, and Guan Yuntian and Lao Liu belong to the relationship of ordinary friends, these procedures can not be less.

The next day, Guan Yuntian instructed the finance department of the group company to open an account at the business department of the Agricultural Bank of China, and transferred one-third of the company's inbound and outbound payments through the account of the Agricultural Bank of China.

After that, Guan Yuntian went to visit President Liu of the Agricultural Bank of China every other day, in order to further enhance the relationship, and several vice presidents did not fight or intersect, through that wine fight at the wine bureau, Guan Yuntian and Vice President Jiao and others met again at the wine table, both sides had a good impression of each other!

Guan Yuntian knows that in order to obtain credit support from the Agricultural Bank of China, it is not enough to get the approval of President Liu, and if several vice presidents strongly oppose it, it will add a lot of difficulty to this matter, but with Guan Yuntian's emotional intelligence, it is not difficult to get a good relationship with these vice presidents.

About half a month later, he instructed the Credit Department of the Agricultural Bank of China to extend credit to Changda Company. "President, how can I give them credit if I don't have a line of credit?" asked the head of the credit section.

"Oh yes, you wait. ”

President Liu called Guan Yuntian, "Yuntian, have you prepared the feasibility report and project approval report of your project?

"The two reports have been available for a long time, and the project is still in progress. President Liu, do you need a project report now?"

"I don't need it for the time being, but now I'm going to give credit to Changda Company, I need to know the investment amount of the project!"

"Well, I'll look it up and call you later. ”

Putting down the phone, Guan Yuntian asked the office staff to check the feasibility study report on tire expansion and self-supplied power plant, and added the two parts of the investment amount and reported it to President Liu.

The tire expansion project was approved smoothly by the relevant departments in the county, but the establishment of the self-supplied power plant was stuck in the approval process. Guan Yuntian asked Lin Nantuo to inquire, the reason is that the project approval department has never approved such a project before, and the construction of self-supplied power plants by enterprises is relatively common in large state-owned enterprises, but for private enterprises, at least not seen in the local area.

If the project problem is not solved, it will not be able to apply for a loan from the Agricultural Bank of China, and the current situation is that the work of President Liu of the Agricultural Bank of China has been done in advance, and after knowing the investment amount, Lao Liu instructed the credit department to quickly grant credit to Changda Company, and only wait for Changda Company to apply for a loan.

Because Changda's previous projects had never been approved by the government, Guan Yuntian was almost unfamiliar with the functional departments of the county government, and now he encountered difficulties in approving the approval of his own power plant, and he didn't even know what to do.

Lin Nan reminded Guan Yuntian that asking Yang Qian's uncle, the deputy county magistrate Song in charge of industrial economy in Fuyuan County, to come forward to inquire about this matter will definitely play a positive role.

Although Guan Yuntian is already familiar with Deputy County Magistrate Song, Guan Yuntian has his own principles for doing things, so far, all his contacts with Deputy County Magistrate Song have been through Yang Qian as an intermediary, and Guan Yuntian will not take the initiative to change this method until Yang Qian and Deputy County Magistrate Song propose to change their contact information.

After Guan Yuntian contacted Yang Qian, he proposed to meet with Deputy County Magistrate Song and talk to him about his plans in person.

In the evening, in a private room of the most high-end hotel in Fuyuan County, Guan Yuntian met with Deputy County Magistrate Song, accompanied by Yang Qian. The dishes on the table are the best in the hotel, and the wine in the cup is of course also a national famous wine, there are not many people, in addition to the necessary etiquette, Deputy County Magistrate Song has no more attention.

During the banquet, Guan Yuntian inevitably introduced the current business status of the enterprise, and Deputy County Magistrate Song was quite interested, and interjected from time to time, "I didn't expect you to complete the third phase of the project in a relatively short period of time, which is efficient enough." According to the current scale, Changda Group should now rank first among the private enterprises in Fuyuan County. ”

"We don't know much about this aspect of the situation, and County Magistrate Song knows the county's industrial enterprises well. As far as tire companies are concerned, in fact, the scale we have now built and put into production is not very reasonable economically. "Guan Yuntian said.