"I can't ask for it, as long as the president does not dislike it, we are honored to be able to do business with ICBC!" Guan Yuntian said very calmly.

Lao Ding on the other side suggested in a timely manner: "Mr. Guan, why don't we open an account in ICBC first, so that we can conduct business in the future." ”

"Mr. Ding, you are the chief financial officer, you know how to balance these relationships, you can decide such things yourself, you don't need to discuss with me. "Guan Yuntian said.

"Mr. Guan, Changda Group will have new project financing in the future, don't forget us. ”

"President Ren, financing is the business scope of Mr. Ding, but ICBC has a very high status in our minds, and I believe that Mr. Ding will not forget you. ”

In a similar way, Changda Group has also established stable business ties with the other two financial institutions.

......

More than three months have passed, and at nine o'clock in the morning, Lao Ding, the chief financial officer, came to Guan Yuntian's office, and without waiting to sit down, he said: "Mr. Guan, I want to inform you of something." ”

"Oh, Mr. Ding, what's the matter? Please sit down and talk. Guan Yuntian has always had a lot of respect for several of the company's executives.

"The president of ICBC Ren told me a piece of news, he said that the Defa refinery is raising funds externally. ”

"Defa Oil Refinery, isn't that one of our local oil refineries? They raise funds externally, why did President Ren mention this to you?" Guan Yuntian walked over and sat opposite Lao Ding.

"It is said that the Deefa refinery is facing a policy closure because it does not meet the minimum size stipulated in the policy. Right now, they're raising money from the community to scale up and avoid being shut down by the policy. ”

"Oh--, what's going on? Guan Yuntian seemed to be interested.

"The policy stipulates that local oil refining enterprises with a scale of less than one million tons will be closed because they waste resources and are not conducive to environmental protection. The scale of the Defa refinery is only 800,000 tons, if they do not expand production, let Han Defa in the society can call the wind and rain, the policy he can not resist, so if the company can continue to survive, he has only one way to expand production. ”

Doesn't Lao Han have a good relationship with the bank? In particular, the Industrial and Commercial Bank of China (ICBC) has given great support to Defa over the years, so why should it raise funds from the society?" Guan Yuntian had never dealt with the Defa Refinery and its boss Han Defa before, and at most he knew a little about it.

"Defa's financial situation is not good, and it is impossible for the bank to give them loans and financing, but the bank does not want to see Defa shut down by the policy, so it is recommended that Lao Han raise funds from the society. In addition to us, the president of ICBC also mentioned this matter to several more powerful enterprises in Fuyuan County. Lao Ding told Guan Yuntian the truth about what he knew.

"Mr. Ding, what do you think about this matter?" Guan Yuntian said.

"As far as the prospect is concerned, I think the oil refining industry is still good, because with the automobile industry is positioned as the pillar industry of the country, the continuous development of the automobile industry, the demand for fuel will inevitably increase, so the market of oil refining enterprises is definitely not a problem, the key is the company's own management level, which determines the future of the enterprise. ”

That is to say, the prospects of the industry are good, depending on the level of management, in fact, any enterprise is like this, there is no bad industry, only bad enterprises. ”

"Yes, I think so, too. ”

"Mr. Ding, President Ren mentioned this matter to you, the purpose is very clear, it seems that he wants to mobilize Changda Group to invest in Defa Refinery, this is a big deal, let me think about it, I'm afraid it will take a few days to reply to him." Is this matter in a hurry?"

"Mr. Guan, let's not care about him, such a big matter, no matter how anxious the other party is, we have to think about it deeply, which should be more cautious than investing in projects within the company. "Lao Ding is the treasurer, and he understands Guan Yuntian's caution very well.

The next morning, Guan Yuntian went to the Agricultural Bank of China to visit President Liu, since he took the burden of financing off his shoulders, Guan Yuntian went to the credit union and the Agricultural Bank of China much less often, unless he was looking for old friends to drink and catch up, he usually did not go to the door of financial institutions.

Entering President Liu's office, Guan Yuntian put two boxes of high-grade "Monkey Kui" on the table, "My friend brought it back from a business trip to the south, it is said to be this year's new tea, how about you taste it." ”

President Liu was not very interested in drinking, but he had a lot of effort in tasting tea, so he immediately opened the package, brewed a pot, poured himself a cup first, picked it up and smelled the smell, and then took a small sip, "Well, yes, it's this year's new tea." As he spoke, he poured another cup for Guan Yuntian, "Yuntian, such a good tea, you can keep it for yourself." ”

"You don't know, I'm not the same as yours, I like wine, you like tea, this thing is put in my place, it's a tyrannical thing, I can't taste its good or bad, it's a waste, you're the real knower." "Guan Yuntian said.

"Okay, then put it here for me, and someone will help me drink it. Yuntian, the company is doing well now, right?" said Liu Xingchang.

"The matter of connecting the remaining power of the self-supplied power plant to the grid in the previous period has finally been solved, otherwise I would not have been able to relax. ”

"Actually, the power bureau is deliberately making things difficult, the remaining electricity of your own power plant should be connected to the grid, electricity is not like other products, it can not be sold through other channels, and it cannot be stored, it is not okay to give it away for nothing, what should I do if it is not connected to the grid?"

"Anyway, now that it's done, I can finally breathe a long sigh of relief. Guan Yuntian looked relieved.

"Otherwise, you can't be so leisurely and come to my door, can you?"

"Yes, if the big thing is not solved, how can I have the leisure to visit the door!Uh, President Liu, have you heard of the Defa Oil Refinery?"

"Defa Refinery----, do you mean Han Defa's company? Some time ago, he wanted to take out a loan from the Agricultural Bank of China, but their reputation in the Agricultural Bank was not good, so we didn't agree to him. Liu Xing said.

"The old Ren of the Industrial and Commercial Bank of China revealed the news to a powerful enterprise in Fuyuan County, and it is said that Lao Han wants to raise funds from the society. ”

"I don't know why he wants to raise money from the society? Why doesn't ICBC continue to support him? Hasn't Lao Han's relationship with ICBC always been very iron?"

"Just like you said, Defa's reputation is not good, the company's financial management is chaotic, ICBC may be scared, and this time it also retreated. "Guan Yuntian said.

"What is the purpose of their financing?"

"The expansion is up to standard, and their current scale is not enough, otherwise they will be forced to close by the policy. ”

"I see! Lao Ren deliberately revealed the news to you, it seems that it is to let you participate in the financing, what are your plans?" asked Lao Liu.

"The oil refining industry is not bad, the key is that I don't know much about Lao Han, it is said that he has a wide range of contacts in society, what three teachings and nine streams, black and white, everything. He started the business relatively early, have you ever dealt with Lao Han?" Guan Yuntian visited President Liu just to learn from him about Lao Han's personality.

"I have dealt with him, and it should be said that I still know him well, and Defa Refinery currently has more than 200 million loans in the Agricultural Bank of China. But then he got closer to ICBC Lao Ren, and we gradually distanced ourselves from him. That's right, this person likes to make friends, it is true that he has made friends with everyone, but the level of business management is not very good, or he does not put his mind into the operation and management of the enterprise. Old Liu Dao.

"So, I'm really cautious about it. ”

Back to the company, Guan Yuntian discussed this matter with Ye Jiayi, who believed that Ye Jiayi was well-informed and had a unique perspective on the problem. "With financing and equity participation, risks and opportunities coexist. Ye Jiayi said.

"I know the risk, it's nothing more than not being sure of the boss who found out about De, and not worrying about Lao Han's management. What about the opportunity?" Guan Yuntian said.

"Opportunity, Changda Group's participation in Defa Refinery means that you have entered the energy industry, which leaves room for imagination for the future development of the company, which is the biggest opportunity. As for what you said about not worrying about the management level of the boss of Decheng, such a risk can be avoided through the structural governance of the enterprise, and you don't have to worry about this at all. Participating in shares is not for nothing, it is necessary to give shareholders a certain amount of power, right?" Ye Jiayi analyzed.

"What are the real risks, according to you?"

"The real risk of this kind of project comes from the policy level. ”

"At the policy level, isn't the purpose of their financing to expand production to meet the standard? What are the policy risks after the expansion?" Guan Yuntian will be skeptical of Ye Jiayi's words.

"Mr. Guan, I don't know if you have noticed, but when it comes to energy, especially the oil industry, almost all of them are monopolistic operations, and now there are a small number of local oil refining enterprises that are privately owned, but who dares to guarantee that such a situation can always exist? Of course, this is just my conjecture, and the reality is not necessarily the case. However, the management risks you are worried about can indeed be eliminated from the system. ”

"Well, I'm still worried about the problem of business management, because Lao Han only cares about superficial things, and he doesn't pay attention to the operation and management of the enterprise at all. ”

"It's easy to do. If Changda Group really wants to take a stake in Defa Refinery, you can talk to the other party about the conditions, they are now in a hurry to raise funds, and I believe that as long as the conditions you put forward are not too excessive, the other party can accept them. Ye Jiayi said.

"What are you referring to?"

"In the formation of a standardized joint-stock enterprise, all the people and things involved in the enterprise must be bound by the articles of association of the joint-stock enterprise, otherwise do not hold positions in the enterprise. This is called using the system to manage people and affairs. Ye Jiayi is too familiar with this management model.

"Yes, this is a good idea! The only condition for whether Changda Group will participate in the shares is to see whether the Defa Refinery can set up a standardized board of directors and a board of supervisors in the future, otherwise there is no need to talk about financing. "Guan Yuntian said.

A few days later, Ding Xiangqian, the chief financial officer, approached Guan Yuntian again and asked him what he thought of Defa's financing.

"You can tell the president of ICBC that Changda is interested in Defa's financing. ”

"Mr. Guan, how much capital is Changda Company ready to invest?"

"I haven't considered this ----, yet. In addition, you tell the other party that there are conditions for the investment of Changda Group. ”

"May I ask Mr. Guan, what conditions do we have?"

"Once the decision is made to become a shareholder, the future Defa Refinery must set up a standardized board of directors and a board of supervisors, formulate a standardized and feasible joint-stock enterprise articles of association, and the owners and affairs of the enterprise in the future must be managed and constrained by the system. "Guan Yuntian said.

"I understand this ----,very well," Lao Ding is a senior accountant, and he knows the operation of joint-stock enterprises very well, "but Mr. Guan, can the other party agree?"