Worried about tight capital turnover, has been the main reason why Guan Yuntian is reluctant to quickly promote two new projects, now the pharmaceutical project is ready for the preliminary preparations, and then do not move forward, it is a bit too much to say, as for the funds, the financial director Lao Ding after evaluation, that the group company can draw out two or three hundred million, as the new project equipment advance.

Despite this, Guan Yuntian still did not dare to take the issue of funds lightly.

According to Guan Yuntian's way of doing things, he never acted rashly until he was fully prepared. The two new projects were funded by a guaranteed source of funds, and when the decision to withdraw from the real estate sector was made, the withdrawn resources were intended to be invested in new projects, and Guan Yuntian's plan was to recoup funds from real estate sales while promoting the construction of new projects. The inventory of Changda Real Estate Company in the real estate market is worth tens of billions, and if all the housing inventory is realized, it is more than enough to support two new projects.

However, judging from the current situation, the real estate market has not shown signs of recovery, and for the smooth construction of pharmaceutical projects, Guan Yuntian has to set his sights on financial institutions.

Changda Group is a gold medal customer of a number of financial institutions, Guan Yuntian and the leaders of two or three local financial institutions are friends for many years, but since Changda Group's own funds can maintain the normal operation of the enterprise, plus there are too many things, busy work, Guan Yuntian usually meets with friends of these financial institutions much less, only at the end of the year, give them a New Year's greeting, invite them to have a meal.

Among all the friends in financial institutions, Guan Yuntian has the best relationship with President Liu of the Agricultural Bank of China and President Zhao of the local Rural Commercial Bank.

President Zhao was very familiar with Guan Yuntian when he was the director of the urban credit cooperative, and later became the vice president of the county bank, until he finally succeeded the old president as the president of the county bank, and the two have never broken contact.

It is human nature that friends are far and near, and they are always willing to communicate with their best friends.

With the golden signboard of Changda Group and Guan Yuntian's personal relationship with President Zhao, in the Rural Commercial Bank, with one or two hundred million funds, Guan Yuntian only needs to make a phone call, and does not need to come forward in person, according to the normal loan procedures, Lao Zhao can solve the problem.

But at the Agricultural Bank of China's Governor Liu, it was necessary for Guan Yuntian to go in person.

At nine o'clock in the morning, Guan Yuntian came to the Agricultural Bank building, and saw that President Liu's office was half open, he reached out and knocked on the door a few times, but did not hear a response, so he simply pushed the door in, and saw that Lao Liu was not in the office, and he put the two catties of good tea he brought on the desk.

Guan Yuntian sat down on the single sofa and waited for a few minutes, Lao Liu came in from outside, he was quite surprised, "Hey, why are you here?"

"When did you treat me as a guest?" Guan Yuntian said.

"I mean, why didn't you make a phone call before you came? Luckily I didn't go out, otherwise you'd have to run for nothing. ”

"It's not that far, it doesn't matter if you run for nothing. ”

Lao Liu knew that Guan Yuntian didn't drink tea, so he took a cup of boiled water from the water dispenser with a cup and put it on the coffee table in front of Guan Yuntian, "You busy man, why are you free today?"

"Passing by in front of you, I remembered that I hadn't seen you for a long time, so I stopped by to come in and have a look, I was afraid that you were on a business trip. "Guan Yuntian said.

"Now that the real estate industry is in a period of policy regulation, how is the market in the provincial capital?" asked Lao Liu with concern.

"It's the same all over the country, how good can the market in the provincial capital be?"

Fortunately, Changda Group still has high-end manufacturing to support half the sky

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, otherwise the business will face a difficult situation. ”

"But no, this fully proves that Changda Group was right to carry out industrial upgrading and leave the main part in the manufacturing industry! If all of them are transferred to the real estate industry, it will be troublesome! By the way, I also want to tell you one thing, we plan to withdraw from the real estate development industry. "Guan Yuntian said.

"Is it because of the current weak market?" said Liu.

"It's not because the market is weak, but the reason for the decision has something to do with it. ”

"I don't think it should be this reason, after all, after the regulatory policy, the market will still rise, so why do you want to withdraw?" Lao Liu didn't understand.

"It's because after analyzing the prospects of this industry, we made another choice after weighing many aspects. "Guan Yuntian said.

"I believe your choice is reasonable, but after withdrawing from the real estate development industry, what will happen to those resources?

"No, there is no shortage of resources in the high-end manufacturing industry now, and we are ready to invest the resources withdrawn from the real estate development industry into new industries. ”

"Your decisions are always rational and unexpected, which is the biggest difference between other entrepreneurs and you. What industries do you plan to invest those resources in?" President Liu greatly admired Guan Yuntian's decision-making ability.

"In the next step, we are ready to do two new businesses, on the one hand, to make the pharmaceutical business bigger and stronger, and on the other hand, we plan to invest in the pension business. ”

"It's no wonder that we have to withdraw from the real estate development industry, and the new business is planned. ”

"Not only is it planned, but our new pharmaceutical project has already begun to be implemented!"

"Your decision-making and execution skills are not available in other companies. I understand the necessity of making the pharmaceutical business bigger and stronger, but to be honest, I think it is debatable about investing in the pension business. As an old friend, President Liu was outspoken.

"Pension business is a livelihood industry, with the aging of the society, its market demand is expanding, at present, large and medium-sized cities generally lack of pension institutions, through research, we believe that this cause is promising!"

"I believe what you say, but as a corporate behavior, as an investment in a business, I am more concerned about whether this investment can be profitable, how to make a profit?"

Guan Yuntian nodded, "That's right, all friends who know about this, and even leaders, are concerned about whether the pension business can be profitable, because everyone knows that if it can't be profitable, not to mention the loss of the enterprise, it will also have a bad impact on the society." But I want to tell you with absolute certainty that this business can be profitable!"

"If a nursing home wants to make a profit, I think it's even more difficult than a kindergarten! If you think about it, it's not easy to squeeze a penny out of a group of elderly people who are careful and used to living a tight life, and it's not as easy as that to make a profit. "Governor Liu's view is the same as that of most people.

"Your kind of thinking, still stay in the traditional nursing home stage, to do the pension as a career, must think innovative, method innovation, management innovation, traditional thinking can not do this at all. "Guan Yuntian said.

"If you want to say that everything is built on innovation, then I'm sure you can do it. But you can't raise the price of the charge drastically in order to make a profit!"

"Raising the standard of fees by a large margin is tantamount to cutting off one's own financial means, and we must never do anything about it! The prices we charge in the future must be based on the average wages of local retired workers, and we will never blindly set prices. ”

"Well, that's just a sign that you really have something unique about your thinking. ”

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"The pension business is something we will consider later, let's get down to business, I came to you today, there is something I need your help with. Guan Yuntian changed his words.

"Oh, what's the matter?"

"Changda Group's new pharmaceutical project is about to start, and now in addition to the equipment deposit, other payments have not yet been settled, and we plan to raise funds from the bank. "Guan Yuntian said.

"Changda Group financing, that's what we can't ask for, one billion eight billion is no problem, the key is that this is not like your style of doing things! Since I met you, you have always been prepared for a rainy day, fully prepared, and never in a hurry. Liu Xing said.

"This time the situation is a bit special, Changda Real Estate Company has a large number of housing inventory in the provincial capital, we originally planned to withdraw from the real estate industry, while using the funds returned in the real estate market to build new projects, the funds should be very loose. However, as you know, the real estate industry is now in the regulation stage, the market is very weak, if we want to expand sales and return funds, we must adopt the strategy of selling at a reduced price, which will cause a lot of losses to Changda Real Estate Company. Therefore, we plan to start with bank financing to solve the urgent need. ”

"Oh, if you didn't plan to get money through the bank at all, according to your assumptions, you came to me today as a last resort. ”

"You can understand it this way, after all, the inventory of Changda Real Estate Company in the provincial capital is as high as tens of billions, if you withdraw from the real estate industry and realize all the inventory, even if the new drug project and the pension project start at the same time, there will be no shortage of funds. "Guan Yuntian said.

"Then I believe it. How much money do you need right now, and when?"

"The total investment of the new pharmaceutical project is less than one billion, and the group company can draw out two or three hundred million, which is still more than 700 million, and plans to raise 500 million from the Agricultural Bank of China, and then two or three billion from Lao Zhao. "Guan Yuntian said.

"No problem, when you need it, let the finance report the loan application and procedures in advance, Changda Group is a gold medal customer, the loan review is very simple, and the money can be used at any time. ”

"But I need to state in advance that if the real estate market picks up and Changda Real Estate Company accelerates the speed of repatriating funds, it may not need to be financed in the bank. ”

......

Following the footsteps of time, we ushered in another season of spring flowers. With the recovery of all things, the spring breeze and rain, the current round of real estate control policies will also come to an end, and Shen Yuehong, the sales director, believes that real estate sales are about to heat up through data analysis.

Sure enough, by the middle of April, the data of the marketing center of Changda Real Estate Company was rising every day, and Shen Yuehong secretly sighed, fortunately, in the autumn and winter of last year, there was no strategy of selling at a reduced price, otherwise, how much loss would it cause to the company!

After getting the feedback, Guan Yuntian was naturally very happy, "Continue to observe, please tell me the sales situation every day." ”

On the eve of "May Day", the sales data has basically returned to the state before the regulation, and in the face of this situation, Guan Yuntian called the financial director Lao Ding and asked him to stop using bank loans.

"The loan has only been used for less than one-third, and the term is only more than two months, so it is okay to stop using it now and repay the loan in advance?" Lao Ding was afraid that the bank would not be willing to do so.

"There is nothing bad, I have stated to the bank before the loan, they know that the loan may be terminated at any time, and now Changda Real Estate Company will withdraw the funds quickly, which is enough to meet the capital needs of the new project, and there is no need to use the bank loan again. "Guan Yuntian said.

"Okay, I'll tell them to stop using it immediately, but for the part that has already been used, do you repay it right away, or do you wait a while?"

"Depending on the balance of funds, you can do it. ”

(End of chapter)