Guan Yuntian sat down opposite the guest, "Director Fan, you are here today, what instructions do you have?"

"We came down to check the work. Changyuan intermediary company is involved in financial business, Mr. Guan, which departments have passed the approval of the establishment of your intermediary company?" said Director Fan.

"Actually, we are laymen about this, and it was Director Huang who consulted with the CBRC at that time, so to speak, that we went to approve all the departments that Director Huang asked us to apply for approval, including the approval of the CBRC, of course. ”

"You must know that private financing platforms involve some banking business, and the state does not have an open policy in this regard!"

"Before opening this platform, we have also repeatedly investigated and demonstrated, the government does not have a clear policy of opening up private finance, but there is no clear prohibition of such a platform, such a platform has been very common in the southeast coastal provinces and cities, even in our own province, we are not the first. "Guan Yuntian said.

"Yes, I know what you said, but after all, intermediary platforms involve some banking business, and in order to maintain financial order, we must strengthen supervision. The previous director of Fuyuan County was transferred to the city-level banking regulatory bureau in other places, and Lao Fan was transferred from other places to replace the original Director Huang half a year ago.

Maybe he is conservative, or the new director has been in office for more than half a year, and Guan Yuntian has not personally visited the door, which makes this director Fan dissatisfied with the only private financial institution in the county, and he is here today to deliberately find fault.

"Strengthening supervision is a good thing, we very much welcome, what new policies and new regulations the CBRC has, please Director Fan at any time to instruct, we will strictly implement them. ”

"New policies and new regulations are one thing, and whether your financial platform is legal is another, in the future, our work will focus on regulating the compliance and legality of all kinds of financial institutions, and severely cracking down on those lawbreakers who disrupt the financial order. ”

Lao Fan's words sounded very harsh, and Guan Yuntian didn't understand this kind of grandeur with his head and face, " We welcome the supervision and crackdown on any illegal and criminal acts that disrupt the financial order, but I would like to state with Director Fan that I am a timid person by nature, and I have a sense of reverence for any law, I have been a business for more than ten years, and I have handled countless large and small affairs, and I have never touched the legal red line. ”

Seeing that Guan Yuntian was not intimidated by his dismount, Lao Fan pressed and said: "I appreciate Mr. Guan's approach, but do you dare to guarantee that every business of Changyuan Intermediary Company is absolutely compliant and legal?"

If it were someone else, maybe Guan Yuntian would go back directly, but the other party was the director of the China Banking Regulatory Commission, and it was the first time they met, Guan Yuntian saved face for Lao Fan, "Fan Ju, I studied mathematics and knew that there is the concept of absolute value in mathematics, but in the real society, nothing is absolute, on the contrary, everything is relative, which is also a philosophical concept, so you have to ask me whether every business of Changyuan intermediary company is absolutely compliant and legal, I only dare to guarantee that the vast majority of them are okay." Our person is always the specific manager, who is also an old financial person, and has the most experience in this regard. ”

"Yes, even formal financial institutions do not dare to guarantee that all businesses are absolutely compliant and legal, often walking by the river, it is inevitable that we will get wet shoes, in actual work, we can only strive to do every business well. Chang Chang chimed in.

"Whether formal or private financial institutions, they all say how compliant and legal their business is, and this kind of Wang Po selling melons is a common phenomenon. Specifically, I would like to ask you what is the interest rate on your loan, and how do you charge the guarantee fee for other companies?"

Guan Yuntian asked Lao Chang to make a detailed report to Director Fan on the loan interest and guarantee rate of Changyuan Intermediary Company.

After listening to this, Lao Fan shook his head again and again and said: "Look, you still swear that you are in compliance with the law, I want to know what is the basis for you to determine such a loan interest rate and guarantee rate? If there is no basis or the basis is unreasonable, it is a violation of laws and regulations." ”

Guan Yuntian took over the conversation, "Does Fan Ju think that our loan interest rate is slightly higher than that of formal financial institutions? You must know that the risks we face are much greater than those of formal financial institutions. In the face of such a group of high-risk customers, I think it should be understandable that our customers are not qualified to lend money in formal financial institutions, charging slightly higher interest rates than banks! In fact, compared with those private financial platforms in the south, the interest rate standard we have set is not high at all. ”

"The question is, on what basis do you determine this set of interest rates?"

"Based on the reference to the bank interest rate and the interest rate of some private financing platforms in the south, our interest rate is between the two, for high-risk customers, this interest rate is not high, some time ago there was a bad debt of five million, we spent a lot of effort, just dealt with, added a lot of cost to the institution, you want us to maintain the same loan interest rate with the bank, the private financing platform can not survive. "Guan Yuntian said.

"What is the basis for determining the guarantee rate?"

"Like the loan interest rate, it is also set with reference to the standards of foreign platforms, and our fees are not high. As a gold medal customer of local formal financial institutions, Changda Group Co., Ltd. has come to the door to request a guarantee of the enterprise in an endless stream, if these trust relationship to request the guarantee of the enterprise to the intermediary platform, our company will not have to do anything. In order for the platform to maintain normal operation, it is reasonable to charge a certain fee. Regardless of whether the other party can listen to it or not, Guan Yuntian has to clarify his own point of view.

"Okay, after all, your explanation is from your own standpoint, this is all one-sided, we need to bring these documents back to the bureau for a closer look, in addition, give us a part of the business records of your platform, and bring them back to the bureau for careful review. After speaking, Lao Fan and Xiao Chen were about to get up and leave.

"It's almost noon, would you like to ask the two leaders to stay for lunch?"

"There is a rule on it that we are not allowed to accept any invitations to eat. Manager Chang, you give us a part of the transaction record. ”

Lao Chang returned to Changyuan Intermediary Company with the people from the Banking Regulatory Bureau, took out a work record from the filing cabinet and handed it to the other party.

Two days later, Lao Chang received a fine notice issued by the China Banking Regulatory Bureau, to the effect that Changyuan Intermediary Company was fined 300,000 yuan in accordance with relevant regulatory policies because of its irregular business.

Lao Chang didn't dare to slack off, and immediately called Guan Yuntian to tell Guan Yuntian about it.

"Lao Fan, this guy, maybe he didn't visit him when he arrived, and he was dissatisfied, that day I thought he was deliberately finding fault, but I didn't expect him to really dare to do it. "Guan Yuntian said.

"What should we do? Just pay the 300,000 yuan fine as the notice says?" asked Chang anxiously.

"Don't say 300,000 yuan, don't even pay 30,000 yuan! 300,000 yuan is a small amount of money for the Changda Group, but we can't be wronged, so why should we be fined? Changyuan intermediary company has done nothing wrong. Guan Yuntian said confidently.

"Mr. Guan, if you don't accept the punishment, I don't think the CBRC will return the business license. ”

"Leave it alone, I'll take care of the rest. ”

Guan Yuntian dialed the mobile phone of Deputy County Magistrate Song, who is in charge of industrial economy in Fuyuan County, "Hello County Magistrate Song! I'm Guan Yuntian, is it convenient for you to speak now?"

"Yuntian, is there something wrong? I'm in the office. ”

"There's something in trouble, County Magistrate Song, I want to ask you to help me say something. Guan Yuntian told Director Fan of the Banking Regulatory Bureau that he went to Changyuan Intermediary Company to deliberately find fault and notice the fine.

"Ouch, the Banking Regulatory Bureau is not under my control, I can't talk to them!" Obviously, Deputy County Magistrate Song was also very embarrassed.

"So what can I do, is this really troublesome?"

"Hey, 300,000 yuan is a dime a dozen to Changda Group, if not, you can pay the fine. ”

"County Magistrate Song, it's not a matter of 300,000 yuan, because we didn't do anything wrong, it's just because after Lao Fan arrived, I didn't go to him to visit him in person, and he obviously deliberately found fault. Guan Yuntian said indignantly.

There was silence on the phone for twenty or thirty seconds, and Deputy County Magistrate Song said: "Why don't I contact the director of the county government's financial office, he should be more familiar with the Banking Regulatory Bureau." ”

"Then there is the county magistrate of Laozon to bother. ”

About half an hour later, Guan Yuntian received a call from Deputy County Magistrate Song, "I contacted Director Ma of the Financial Office, he often deals with the Banking Regulatory Bureau, and he promised to ask Director Fan out, and you can meet to deepen mutual understanding." ”

"Great! When?" Guan Yuntian didn't expect things to go so smoothly.

"Director Ma asked us to set a time, and it is estimated that there will be no problem recently. ”

"County Magistrate Song, if you have time, then it's set for tonight, how about it?"

"Okay, I'll inform Director Ma. ”

Guan Yuntian immediately booked a private room in the best hotel in Fuyuan County, at about six o'clock in the evening, he first went to the private room to wait, close to half past six, Deputy County Magistrate Song pushed the door into the house, and after a few minutes, two men came in, one of whom Guan Yuntian knew, he was Director Fan of the Banking Regulatory Bureau, Guan Yuntian got up to greet him.

Deputy County Magistrate Song, who was already seated in the main escort position, introduced: "This is Guan Yuntian, chairman of Changda Group, the largest private enterprise in our city, this is Director Ma of the county financial office, and this must be Director Fan of the Banking Regulatory Bureau?"

Guan Yuntian took the initiative to shake hands with Director Ma, and greeted Lao Fan, who walked up to Deputy County Magistrate Song, "County Magistrate Song, I know you, you may not know me." ”

"Aren't we acquainted now?" Deputy County Magistrate Song smiled and shook hands with the other party.

After the guest and host sat down, Guan Yuntian said: "County Magistrate Song, let's order the dishes first." ”

"Yes, don't just talk, the main purpose of our coming here is to eat, order the dishes first, Director Ma, start with you. As he spoke, he handed a list to the old horse.

"County Magistrate Song, you can do it for you, we are all your subordinates, we will eat whatever you order. The old horse excused himself.

"There is no substitute for this work, personal preferences are different, our old rules, each person orders at least two dishes of their favorites, just start with you, you can't shirk. ”

Deputy County Magistrate Song spoke, and the two guests no longer shirked, and finally arrived at Guan Yuntian, where he ordered four of the hotel's signature dishes, and Wuliangye was ordered for wine.

"Mr. Guan, this is too extravagant. Director Ma said.

Deputy County Magistrate Song waved his hand at Lao Ma, "If you come, you will be safe, let's listen to the master's arrangement." ”

"That's it, it's the first time I've gotten together with two leaders in charge of finance, and I can't be too stingy!"