Although there was no rehearsal in advance, Guan Yuntian and Deputy County Magistrate Song cooperated quite tacitly, as soon as he heard Deputy County Magistrate Song mention related topics, Guan Yuntian immediately poured bitter water, he first mentioned the handling of the bad debts of the exquisite packaging company some time ago.

"It's not easy to do anything, and if you encounter a loan fraud with a clear purpose like Xinglong Company, if you don't have some means, won't you be able to recover the borrowed funds?" said Deputy County Magistrate Song.

"Not in front of several leaders to show merit, our platform since its inception, does for the county's small and medium-sized enterprises and individual businesses to solve a lot of financing difficulties, from the occurrence of business, the vast majority of people still take into account their own reputation, this year more than one or two hundred business, the real risk of bad debts on the same some time ago, but there is enough to remember. "Guan Yuntian said.

Director Ma of the Finance Office was also interested in this topic, "Mr. Guan, how do you avoid risks when you conduct business? You must know that your customers are all in formal financial institutions and are not qualified for loans. ”

"There is no other shortcut, that is, it is up to our staff to do the legs, mouth and eyes in the process of inspecting customers, that is, to take the trouble to run a few more times, ask more and see more in the process of inspection, and the real flawed enterprises or self-employed people, as long as they do three services, they can always see some clues. Guan Yuntian explained.

"This places greater demands on the responsibility of the staff. In this case, how did the bad debt happen last time?"

"To be honest, before that business happened, our staff had already discovered the signs of risk, when a friend came forward to intercede, and in order to save face for that friend, we approved the loan by luck. ”

"In order to take care of your friend's face, you ended up with bad debts, what did your friend say in the end?"

"What do you say, he also regretted it, but he just said something for his friend, and it has nothing to do with the loan, can I find him? "Guan Yuntian said.

Hearing this, Deputy County Magistrate Song said: "Look at it, on the issue of funds, don't talk casually between friends, otherwise you won't be able to manage the problem, but it will cause a lot of trouble to others, and this is a lesson." ”

"Yes, we have established such a platform, and in the face of friends, especially the leaders of certain functional departments, we are really helpless, not giving face to the leaders, offending friends, and giving face, which pushes us into an embarrassing situation. Every penny borrowed from Changyuan Intermediary Company is our own real money, and it is false to say that we are not distressed. ”

"No matter what means he uses, as long as he disposes of bad debts without breaking the law, he should be gratified. Come, let's toast to the danger of Changda Group!" Deputy County Magistrate Song raised his glass and proposed.

Putting down the wine glass, Deputy County Magistrate Song turned sideways to Director Fan and said: "Private enterprises have their difficulties, the supervision of functional departments can not be relaxed, but it should not be too full of blame, after all, there is a process of standardized management, and they are in a spontaneous state, even if they are like Mr. Guan They pay great attention to policies and regulations, small mistakes in the work are inevitable, criticism and education are essential, but as long as it is not a matter of principle, please raise your hand if you can let go, Director Fan, you say yes?"

Lao Fan has long been aware of the purpose of this dinner, and the meaning of Deputy County Magistrate Song's words is even clearer, "County Magistrate Song is in charge of the county's industrial economy, always puts the difficulties and needs of the enterprise in his heart, and thinks about the enterprise everywhere, which makes me deeply educated, without violating the principle, we will consider the situation of the enterprise on a case-by-case basis." ”

Director Ma, who was the guest of honor, took the opportunity to interject: "Director Fan, in order to promote local economic development and create a slightly more relaxed financing environment for the majority of small and medium-sized enterprises and individual industrial and commercial households, Mr. Guan and their Changda Group are ahead of us in their work, in a sense, Changda Group has played a role in promoting our work, as the government financial office, we are happy for this, and we should thank them for their creative measures." For the traditional manufacturing industry-based Changda Group Company, the first time to set foot in the financial industry, it is inevitable that there will be some mistakes in the work, and strengthening supervision in the future can play a role in preventing micro problems. ”

Lao Fan can take a positive attitude towards the words of Deputy County Magistrate Song, because Deputy County Magistrate Song is not in charge of finance, but the words of Director Ma of the Government Financial Office, he can't be regarded as a deaf ear, don't look at him and Director Ma have the same administrative level, if you need to coordinate the relationship with the local government, he must get the cooperation of the Government Financial Office, so Director Ma This face, Lao Fan must give.

"Director Ma, I am very touched by your feelings for the enterprise, but I am not deliberately unable to get along with anyone, you have all said that Changda Group is the leader of the local economy, how can we embarrass them? The financial office is a bridge between the local government and financial institutions, and the China Banking Regulatory Bureau is willing to do its best for the local economic construction. ”

"What a dedication, come, let's pay homage to Director Fan together!" Deputy County Magistrate Song proposed.

"County Magistrate Song, how dare Fan be? I respect everyone, if you are offended, please forgive me!"

Guan Yuntian walked up to Lao Fan with a cup and got very close, "Director Fan, Yuntian is young and has not considered the problem well, and he will definitely learn a lesson in the future." What do you think of our fines, ......?"

"Hey, I'll just say it casually, are you still serious?

"I complain that I'm thinking too much, thank you Director Fan, I respect you!" After speaking, Guan Yuntian and Lao Fan toasted and touched.

At about eight o'clock in the morning the next day, Lao Chang received a call from the China Banking Regulatory Bureau, asking him to get a business license, and he told Guan Yuntian the news, "What, the problem has been dealt with? Let me get the business license back, and I didn't say whether to pay the fine or not?"

"Didn't they tell you to get your license back, didn't they say anything else?"

"I didn't say anything, I just asked me to get my license. ”

"Then just go, they didn't mention it, let's not ask. But you bring two catties of high-grade tea and two high-end cigarettes and put them in Lao Fan's office. Guan Yuntian commanded.

At about three o'clock in the afternoon of the same day, Lao Chang came to the office of Director Fan of the Banking Regulatory Bureau, and when he entered the room, he put the gifts he carried on the table, "Director Fan, I came to retrieve the business license of Changyuan Intermediary Company." ”

"Oh, it's with me, you take it. Uh, what is this?" asked Lao Fan, pointing to the bag on the table.

"Two catties of tea, this year's new tea, please keep it for Director Fan to drink. After speaking, without waiting for Lao Fan to react, Lao Chang left the office with his business license.

......

Unconsciously, it has been a year since he became a shareholder of Hongyuan Company, and Guan Yuntian received a phone call from the other party, inviting Changda Group Company to send representatives to S City to attend the annual general meeting of shareholders and discuss dividends.

The last time I went to the south for a field trip, because I was catching up with the financial and tax inspection of the unit, the company's financial director Lao Ding was not able to go with him, and this time to attend the shareholders' meeting, Guan Yuntian decided to send Lao Ding to attend.

A few days later, Lao Ding attended the shareholders' meeting of Hongyuan Company, returned from the south smoothly, and brought back a dividend of 2 million.

"We invested 10 million shares, and we received 2 million dividends that year, this Hongyuan company is generous enough!" After listening to Lao Ding's report, Guan Yuntian sighed with emotion.

"Mr. Gao of Hongyuan Company discussed with me and mobilized us to chase the capital of the shares, does Mr. Guan feel that there is a need for additional investment?" Ding Xiangqian asked.

"Mr. Ding, you are also present in person this time, what is your impression of this Hongyuan company?" Guan Yuntian did not directly answer Lao Ding's question.

"What does Mr. Guan refer to?"

"For example, the management of the company, the scale of the enterprise, and how far is our financing project going now? ”

"It's close to Hong Kong, it's generally very face-conscious, the overall impression of management, the factory environment is very good, and it looks like everything is in order, but it's just something that can be seen by the eyes. The scale of the enterprise is not small, but I feel that the start of the work is insufficient, I have asked them about this aspect, and the other party said that they set production by sales, and I went to catch up with the sales off-season in those days. We have invested in the health care product project, which is said to be being built and produced at the same time, and the current output has not reached a quarter of the design scale. Lao Ding said.

"Mr. Ding, don't look at the two million dividends, according to what you observed, do you think we still need to increase the share capital?"

"It's really hard to say, looking at the people in Hongyuan Company, it looks like a real officer, but for the project itself, it seems to be a little foggy. ”

"We are all enterprises, Hongyuan company's health care products project is still in the state of construction and production, the original investment of 10 million, the dividend of 2 million, what do you think of this matter?"

"It is absolutely impossible to expect their products to generate such high profits, after all, we are shareholders who invested relatively early, and it is understandable for the other party to do this, I estimate that they have two purposes, one is to retain us, and the other is to hope that Changda Group will invest more in equity. Lao Ding analyzed.

"It is precisely because of this that I am not at ease with them, is this a fishing strategy? The first two million bonus is the bait, and when we bite the hook, I am afraid it will be too late to regret it!"

Lao Ding lowered his head and thought for a moment, "It's possible, let's take a long-term view of this matter." ”

A few days later, Guan Yuntian received a call from a friend in Beijing, and after picking it up, he learned that the other party was Director Liang of the planning department who was in charge of raw material imports.

"Mr. Guan, the refined oil market is very good now, is your production still going well?" asked the other party with concern.

"Thank you Director Liang for your concern, our petrochemical plant is now in full production, thanks to your help in importing raw materials, now the raw materials are guaranteed, and the production can be carried out normally. ”

"Small meaning, don't worry about it, or now the policy on imported raw materials has also been relaxed, and the indicators are not as tight as in the first few years. Mr. Guan, haven't you gone to the Hongyuan company in the south to see it this year? I heard that they are doing a good job, you have invested funds, you have to care about the progress of the project!"

Guan Yuntian knew the point of this call, "Director Liang, our representative has just returned from Hongyuan Company and has some understanding of the situation there. ”

"The situation is good, right? When I recommended Hongyuan Company to you, I was carefully considered, the kind of leather bag company that doesn't do serious things and swaggers around, we have to stay away. Lao Liang was complacent about his behavior.