Speaking of which, Lao Ding and the president of ICBC are not only old acquaintances, but also good friends, because a large amount of money was not deposited into the ICBC account as expected, Lao Ren was obsessed with that matter, perhaps it was that deposit that affected the monthly or quarterly bonus of ICBC, or affected the performance of Ren President, who knows.

Because there is a special person in charge of the bank financing of Changda Group, Guan Yuntian generally does not deal with the leaders of financial institutions, except for year-end visits, it is rare to meet them once a year. Today, Guan Yuntian's sudden visit surprised Lao Ren.

"I haven't seen President Ren for a long time, and I happen to be free today, so I'm here to visit. "Guan Yuntian said.

"Aren't you running a project in the provincial capital? I heard that you are very busy, why are you free today?" Through business contacts, Lao Ren has an understanding of the trends of Changda Group.

"The project in the provincial capital is on the right track, and now that there is a special person in charge of management, I will have time to visit you. President Ren, Mr. Ding usually deals with you, and it is indeed too rare for the two of us to meet, please understand. "Guan Yuntian said.

"Why did Mr. Guan become so polite? Lao Ding is your chief financial officer, and it is normal for him to deal with financial institutions! You are the chairman of the Changda Group, and it is impossible to spend your time here, and we all understand it. ”

"Even if it is Mr. Ding, there are times when he is negligent in his work, if there is anything that is not well considered, please bear with the president!"

Hearing this, Lao Ren knew Guan Yuntian's intention, but he deliberately pretended to be confused, "Ding is always a financial officer with old qualifications, he is serious and responsible in his work, his business level is very high, and he considers things very comprehensively, he is a rare talent, where does the word "inclusive" start?"

Guan Yuntian hooked his lips and smiled, "I mean that in the process of dealing with you, if there is any omission, the president of the bank has to take care of it, after all, people are not sages, who can be infallible?"

The meaning of this is already very clear, Lao Ren can't pretend to be stupid anymore, "Mr. Guan, you came to me today, isn't there something wrong?"

"I shouldn't have been in charge of this matter, because Mr. Ding is the senior executive of Changda Group in charge of financing, but he reported the financing application to ICBC, but he didn't get any response from you. ”

"Hey, for this matter! Yes, Mr. Ding did make an application report ten days ago. ”

"In that case, I would like to ask President Ren, is there any problem with Changda Group's financing application?"

"There is no problem with the financing application, but we have a problem. ”

"Oh, as the largest bank in China, what problems can you have?"

"Mr. Guan, you should know about the international financial crisis that occurred last year, right? Now it has spread to China, and the impact on our financial industry is emerging, and our current life is not easy!"

Guan Yuntian nodded slightly, "I am a businessman, of course I know that the international financial crisis that occurred last year has also felt the impact on the relevant domestic industries, but Changda Group's financing has been in contact with a number of financial institutions, and their feelings do not seem to be as strong as that of President Ren." ICBC is the most powerful financial institution, and it stands to reason that you should have the strongest ability to resist risks, so you won't be intimidated by this storm, right?"

"ICBC's risk control is the strictest, and Mr. Guan thinks which financial institution is most suitable for Changda Group's financing, so he will hand over the financing task to them!"

Lao Ren's words were very choking, so Guan Yuntian listened to them

It's awkward, "President Ren, you are an old financer, such words shouldn't come out of your mouth!"

"Mr. Guan, don't think about it, I'm just stating a fact, nothing else. ”

"Whether it's a matter of facts or anything else, I'm sure President Ren must know that the relationship between banks and enterprises is mutually reinforcing, and even if we ask for financing, we are not begging from you. As the CEO of a large enterprise, Guan Yuntian has the capital to talk to the president.

"Mr. Guan, where is this? I'm just saying that if you think that ICBC is not the most suitable financing target for Changda Group, you can choose another bank. ”

"President Ren, didn't you state the facts? I will also state a fact to you, Changda Group's annual cash flow of tens of billions of yuan, as well as a large number of corporate deposits, we treat several financial institutions fairly, regardless of each other, no thick or thin, whether you admit it or not, we have been doing this all these years, and Changda Group has not taken out loans in ICBC for at least three or four years, this is all a fact, right?"

Guan Yuntian glanced at the other party's expression, and continued: "There is another thing many years ago, President Ren should not forget, I think back then, you and the old Han of the Defa Refinery were buddies, so regardless of the risk, the loan to the old Han in violation of the regulations was seven or eight billion, coinciding with the policy requiring the closure of small oil refining enterprises, the old Han's Defa Refinery is about to be unable to operate, in order to expand the deposit, you found us, and asked Changda Group to take a stake in the Defa Refinery, so as to relieve your bad payment, at that time, you didn't talk like just now!"

On the way here, Guan Yuntian was full of emotion, but he didn't expect Lao Ren to continue to be unrelenting in front of Guan Yuntian, and he spoke in a weird way, Guan Yuntian couldn't bear it, and threw out two major facts, which made the other party very embarrassed.

Guan Yuntian's words were like two slaps in the face, slapping Lao Ren's face fiercely, making his face red and white for a while, "Mr. Guan, what's wrong today? It's not your character to turn over old accounts!"

"It depends on what situation you are facing, if the other party is forgetful, turn over the old accounts and new accounts, and help the other party recover their memory. Ren Governor, I didn't mean to embarrass anyone by bringing up the old things again, but just imagine, if Changda Group didn't respond to your suggestion at the beginning, and the Defa Refinery was shut down by the government, the seven or eight billion loans you lent to Lao Han would become a bad debt, can you still sit in this position now?" Guan Yuntian did not show mercy to the other party.

Lao Ren lowered his head, and although no one else was present, his face still couldn't hang up, and there was an awkward silence between the two.

Guan Yuntian is definitely not the kind of person who is scathing and mean, for so many years, no matter who he is with, as long as the two sides get along, he always chooses to endure, never expose, and rarely gets angry, today in the face of Lao Ren's difficulties, he feels that if he doesn't give the other party some color, Lao Ren will have to make inches, and the financing plan in ICBC is still not implemented.

Despite being defeated by Guan Yuntian, Lao Ren still pondered for a while, looking at this posture, if he did not agree to Changda Group's financing request, Guan Yuntian would not be able to give up, "Mr. Guan, no matter what you say, we still have some difficulties with the financing amount of 500 million, according to the current situation, we will give you 300 million at most." ”

"300 million ......? I really didn't expect that after so many years of cooperation between banks and enterprises, and you are the strongest large state-owned commercial bank, at this juncture, you are picking on me, it is really chilling!" Guan Yuntian said.

"No way, this has been done to the best of my ability. ”

Guan Yuntian made an analysis and weighing, "If we have done our best, we don't want the financing of 300 million yuan." ”

"Whatever you want, wouldn't it be better if you had a better solution?"

"But I have one condition, I will not deal with you from now on, I will transfer all the tens of billions of turnover and corporate deposits of Changda Group in ICBC every year. "Guan Yun Angel has a killer idea.

This trick really worked, as soon as Guan Yuntian's voice fell, Lao Ren hurriedly said: "Mr. Guan, why bother?

The deposit business that was finally obtained, and the amount was huge, just because he had a little awkward trouble with Lao Ding, President Ren didn't expect Guan Yuntian to suddenly make such a move, which was not only completely unexpected by him, but also really scary.

"There's nothing more to say, haven't you done your best? If I insist any longer, won't it be difficult for a strong man? Guan Yuntian said seriously.

"Mr. Guan, just for such a small thing, our previous years of cooperation have been written off? Isn't it a bit too rash!"

President Ren, I was just about to ask, Changda Group has cooperated with ICBC for so many years, I admit that you have given strong support to Changda Group, but Changda Group's contribution to ICBC is not small. Just for Lao Ding's negligence, I deposited a sum of 20 million yuan that should have been deposited in ICBC elsewhere, and in this financing application, I worked hard to you to promise me 300 million, and told me a lot of reasons, do you think I can believe it?" Guan Yuntian asked.

"However, your decision to withdraw from the business is too extreme!"

In the case that ICBC cannot raise funds, of course we have to think of another way, and since other banks can finance the Changda Group, it is natural that we should transfer the deposit business to them. ”

"Don't get excited, everything is negotiable. The financing scale of 500 million is a bit difficult, but it should be similar to think of a way. "Lao Ren is still acting.

"President Ren, don't be funny, the dignified ICBC, the financing scale of 500 million, you are complaining to me for a long time, do you think I will believe it?"

Relatives have relatives, friends are far and near, and they are also leaders of state-owned commercial banks, perhaps related to their temperament and personality, President Liu of the Agricultural Bank of China has nothing to talk about with Guan Yuntian, and Changda Group is very happy when it raises funds in the Agricultural Bank of China, in fact, in addition to the repayment of principal and interest on the loans of Changda Group in the Agricultural Bank of China, it is a normal business dealing, and Guan Yuntian has not solved any problems for President Liu.

It is the president of ICBC, Changda Group listened to his suggestion, injected capital into his friend's company to expand production, and directly relieved the risk of seven or eight billion bad debts for Lao Ren, it stands to reason that he and Guan Yuntian should have a deep friendship, but the relationship between Lao Wu and Guan Yuntian has never been warm, maybe the two sides are not all the way.

Also because of Lao Ding's incident, if it is put on the body of Lao Liu of the Agricultural Bank, it may not be anything at all, even if there is an idea, it may be a flash, and he will never hold a grudge because of this, and make it difficult for the other party at a critical moment.

Although he can't become a real friend, he has to continue his business dealings in the future, when dealing with interpersonal relationships, Guan Yuntian has always been up to the point, never delved into it, just know what kind of person Lao Ren is, "President Ren, no matter what method you use, you have agreed to the financing of Changda Group, and we are waiting for your news." ”

"Don't worry, I'll get back to you soon. The heart that Lao Ren was carrying was finally put in his stomach.

"In any case, Mr. Ding's handling of the incident last time was indeed a little improper, in order to express our apologies, I will be the east tonight, and I will invite you to dinner. In addition, there is a gap between you and Mr. Ding, just let him accompany you to eliminate the misunderstanding between you, after all, you will continue to deal with each other in the future. ”