The deputy director of the county planning commission, Guo, once recommended Guan Yuntian to meet with Director Wei of the Provincial Planning Commission, who is in charge of raw material imports, and then through Director Liang of the capital, he finally solved the crude oil import target of the Changda Group Petrochemical Branch.

Lao Guo is also self-aware, although he has helped Changda Group, but he thinks that it is a general recommendation, and at that time, he mainly cooperated with the deputy county magistrate Song in the county, and after the incident, he did not take the initiative to contact Guan Yuntian, so as not to be misunderstood.

Lao Guo didn't want to make today's call, but he really couldn't shirk the matter of being loyal to others, so he had to dial Guan Yuntian's phone, "Mr. Guan, what do you have to order, but there is something to ask for, and I am afraid that you will be embarrassed." ”

"Director Guo, you don't have to be polite with me, if there is anything, as long as I can do it, please just ask. Guan Yuntian also felt that this Lao Guo was not a casual person, and it was easier for people to respect such a leader.

"Hey, it's a bit hard to say, I have a relative's business who applied for a loan from Changyuan Intermediary Company, and it is said that he is in trouble now. ”

"Oh, what trouble did they have when they applied for a loan at Changyuan Intermediary Company?"

"It is said that they applied for five million, and the people over there only agreed to lend him three million. ”

"I don't know about this matter, the intermediary company operates independently, and I usually don't ask. Director Guo, what do you mean----?

"Mr. Guan, what do my relatives mean, can you lend them five million according to the application plan?"

"This ----," Guan Yuntian hesitated slightly, "Director Guo, didn't I say it, the intermediary company is a unit that operates independently in accordance with financial rules, and the judgment they make based on the facts, I can't interfere with it!"

"I understand this, so it's very frustrating to call you. But Mr. Guan, Changyuan Intermediary Company is a subordinate unit of Changda Group after all, can you say hello and ask them to be accommodating?"

"Ouch, Director Guo, this matter ......" Guan Yuntian looked very embarrassed, "That's it, I'll understand the situation first, and then call you back, what do you think?" Faced with Lao Guo's request, Guan Yuntian didn't seem to be able to refuse.

"Let Mr. Guan bother, I'll thank you for them first!"

"Director Guo doesn't have to be polite, what is the name of your relative's company?"

"Fine Packaging Ltd. ”

After the call with Director Guo, Guan Yuntian immediately dialed the phone number of Lao Chang's office, "Big brother, I'm Guan Yuntian, has there been a company called Exquisite Packaging Co., Ltd. that has applied for a loan?"

"How do you know?"

"Hey, you just said if that's the case, right?"

"Yes, just the other day, I looked into it and agreed to give them three million. ”

"People are applying for five million, right?"

"That's right, but based on my field visits to businesses, I decided that I could only lend them three million. "It's the same old way.

"What's that? Is that company non-compliant?"

According to my investigation of them, I think that the company has a lot of water in terms of assets and income, at least it didn't tell us the truth, so I only agreed to borrow 3 million. Uh, why do you care about this? I haven't had time to report it to you yet. ”

"Hey, where do you want to go? I don't understand the financial business, what kind of report do you want to send to me!" Guan Yuntian was afraid that he would always think that he was going to meddle in the affairs of the intermediary company, so he hurriedly explained, "How can I have time to pay attention to such a thing! I just received a call from a leader of a functional department in the county, and I don't know the specific situation, he told me that there is a company called Exquisite Packaging Company, which has applied for a loan in the intermediary company. ”

"Yes, I have completed the approval, and when their financial statements are approved, I can let the company go through the loan procedures. ”

"Big brother, I want to ask, apart from the fact that you think the assets of the exquisite packaging company have moisture, do you think they have any other problems?"

"I didn't find any other problems, why, they think they have less loans?"

"yes, the company thinks it's a bit less. ”

"But Mr. Guan, according to my investigation of that company, I think it's a lot to give them 3 million! What does that leader mean when he comes to you, do you want to adjust the loan amount to 5 million?"

That's what it means. But in that case, let's keep quiet for now, and simply find someone to figure out the situation of the company. If the business is doing well, you might as well meet their requirements, if there are any traps, I'm sorry, no matter who comes forward to intercede, it won't help. Guan Yuntian suggested.

"Well, that's fine, lest the other party think I'm here to make things difficult for them. But how to investigate, and who to find to do this? The matter must be grasped quickly, otherwise I will not be able to explain to others when the company asks questions. ”

Guan Yuntian thought for a while, "If the company asks, you first find a reason to prevaricate, as for how to investigate----, you concentrate on the business of the intermediary company, I will find a way." ”

Although this is not a big deal, Guan Yuntian attaches great importance to it, because Guo Guo, deputy director of the county planning commission who came forward to find him, once helped him introduce Director Wei of the provincial planning commission, which can be regarded as a favor to him, and Lao Guo is very self-respecting, he has never caused him trouble before, and this time it seems that it took a lot of effort to speak, in this case, Guan Yuntian decided to come forward in person to figure things out, even if it is finally confirmed that the company's situation does not meet the loan conditions, he must give Lao Guo a clear explanation, lest the other party think that he is unwilling to help his friend.

Of course, the face of friends is important, but risk aversion is even more important.

Putting down the phone, Guan Yuntian couldn't think of anyone who was suitable to do this for a while, but he thought that the understanding of the internal situation of an enterprise, in addition to the business owner, is the financial director of the enterprise, of course, the business owner will not tell the truth, to understand the real situation of the exquisite packaging company, it seems that the only way to start from their accounting.

Thinking of this, Guan Yuntian dialed the phone number of the financial department of the intermediary company, "I'll find Section Chief Fang." ”

Fang Xiaomei heard Guan Yuntian's voice, "Mr. Guan, may I ask what instructions do you have?"

Guan Yuntian made an exception and didn't joke with her, but said seriously: "There is a company called Exquisite Packaging Company, which applies for a loan from an intermediary company, you know?"

"Yes, the Finance Section is in the process of reviewing their financial statements. ”

"This company is looking for someone to intercede, want to increase the loan amount, according to the general statement, the other party's situation is not as good as they say, now I want to find someone to find out the actual situation of the exquisite packaging company, I think only to find the other party's financial accounting, can know the real situation. You have been engaged in financial work for many years, can you help you think of a way?" Guan Yuntian said.

"Because of the business relationship, I asked the cashier of the exquisite packaging company to report the report, and it is said that they do not have their own accounting, and they have always been looking for outside accountants to help agents. ”

"Oh, so can you get in touch with the accountant they're looking for outside? If you can get in touch, you manage to figure out the actual situation of the beautiful company from the other person. ”

"Mr. Guan, is this a task you sent me directly?" Although Guan Yuntian is the chairman of the group company, because he was a colleague with Fang Xiaomei before, they have always spoken very casually between them.

"It's understandable. If you can contact the accountant, you can deal with the expenses you need to incur in order to find out the actual situation, and you can deal with it at any time. "Let people do things, Guan Yuntian wants to give Fang Xiaomei a certain amount of space for activities.

Fang Xiaomei knew the contact information of the other party's accountant from the cashier of the exquisite company and the name of the accountant from the financial statements, obviously, Fang Xiaomei was not familiar with this person at all.

The next day, a friend of Fang Xiaomei's sent her a message that the friend was related to the accountant of the exquisite packaging company.

"What is your relationship with that Accountant Li?" Fang Xiaomei asked.

"She's my eldest sister. ”

"Oh, your husband and his sister are indeed very close relatives. Can you please ask her out for a meal, I'll have a treat. ”

"Why do you want to ask her out for dinner? Why don't you just call and ask about something?"

"She is an old accountant and your eldest sister, I want to ask her about something, is there anything wrong with having a meal?" Fang Xiaomei said.

That night, the three women met in a hotel, Fang Xiaomei's friend introduced the two to each other, and after sitting at a side table, Fang Xiaomei arranged the dishes as the host, and the three of them chatted while eating.

"Eldest sister, I heard that you have been engaged in financial work for more than 20 years, and you must have a lot of experience worth learning from us young people. Fang Xiaomei said.

"Hi, in addition to knowing the relevant national policies, other knowledge in financial work mainly depends on accumulation. In fact, when it comes to grasping policies and using new financial tools, I am not as good as you young people. ”

"The eldest sister is an old treasurer, and now she is not only the chief accountant of her unit, but also has a part-time job outside?" Fang Xiaomei's friend interjected.

"Yo, I didn't expect the eldest sister to be middle-aged, and with such good energy, we young people can't compare. Fang Xiaomei said.

"Because the workload of the unit is not large, I have two outside. Accountant Li said.

"It's equivalent to the treasurer of three units, are you busy, big sister?"

"The unit itself is not busy, part-time of the two, only the exquisite packaging company has a little more things, but it is not too busy. ”

I heard a friend say that the company is a big packaging company. Fang Xiaomei pretended to be surprised.

"Hey, it looks beautiful, it sounds good, but it's actually just a shell, and it's just a bright surface. ”

Fang Xiaomei pretended not to know anything: "Eldest sister, didn't you say that this exquisite company is doing very well? A friend of mine's brother still wants to go there to work." ”

"Outsiders think so, who knows how Lao Feng operates, his land and machinery and equipment have been mortgaged to financial institutions a few years ago, plus the market has been bad in the past two years, and the price of raw materials has risen, and life is getting more and more difficult. Accountant Li said.

"The packaging industry can achieve the scale of a fine company, it should be very good, it stands to reason that Lao Feng already has a certain ability to resist risks, not so!"

"That being said, the wages have not been paid on time in the past two years, and now they are three months in arrears. Accountant Li shook his head gloomily.

"Is it? A good fine packaging company, how did it get to this point? Now the shortage of funds is because of the large inventory, the occupation of a lot of funds, or the lack of orders, or the abnormal production?" Fang Xiaomei probed forward little by little.

"How much inventory is there? We're all doing accounting work, and if we have a lot of inventory, the situation will be better. I don't know what it means, a few days ago, I pulled a few truckloads of waste paper from outside and put it in the warehouse, or the warehouse was empty. ”

"Listening to what you say, isn't there only one shelf left in the exquisite company? How can a good enterprise be run like this?"

Although she found out the true situation of the exquisite company, Fang Xiaomei was still embarrassed when she heard that the company had reached this point.

"I think there are two reasons for this situation, one is that Lao Feng is not good at business management, he did not put his mind on business management, in addition, the packaging industry has a lot to do with policy orientation, a group of experts flickering there, for a while said that people are in the saddle of clothes, to pay attention to product packaging, and then said that excessive packaging of products wastes resources, these wavering policies have a great impact on the industry, so it is difficult to grasp the industry. ”