Although he was reluctant, under Guan Yuntian's recommendation, no matter what, President Liu couldn't turn Lao Duan away.

After learning that President Liu agreed to the loan support, Lao Duan was naturally very happy and invited President Liu to dinner at noon. This old Duan is really anxious, the dignified president, do you care about your meal? Besides, even if you have a treat, just invite Lao Liu himself, and leave his deputies behind, you are too stingy!

President Liu didn't have a stubble at all, the scene fell into embarrassment, Guan Yuntian saw this, and immediately said: "The noon time is too short, Liu Xing has been nervous for a long time, it is best to put the treat in the evening." In addition, please join the vice presidents, President Liu, what do you think?"

With Guan Yuntian's relationship with Lao Liu, it is impossible for President Liu to refuse his proposal, "Well, there is really no time at noon, and at night, listen to President Guan's arrangement." ”

Having said that, there is no point in staying any longer except for small talk, wasted time senselessly, rather than delaying Lao Liu to deal with official business here, it is better to leave now, anyway, we have to meet at night, thinking of this, Guan Yuntian said: "President Liu, we won't bother you, let's see you at night." ”

"Well, see you in the evening. ”

"Do you still need us to tell Vice President Jiao about them in person?" asked Guan Yuntian.

"No, I'll just tell them. ”

In the party that night, Lao Duan behaved very generously, and through further understanding at the wine table, President Liu's impression of Lao Duan changed, which was helpful to Changda Holdings' next loan process.

Overall, Changda Holdings, as a listed company with good performance, President Liu is willing to do business with them, coupled with Guan Yuntian's recommendation, this loan business must be done, but the quality of the impression of Lao Duan can determine the speed of the loan process, after all, the specific procedures must be handled by Lao Duan himself, and Guan Yuntian cannot accompany him in everything.

A few days later, the financial department of Changda Holdings submitted a loan application to the Agricultural Bank of China, and half a month later, they received a notice from the Agricultural Bank that the 300 million credit line of Changda Holdings had been approved. According to the loan process, the company will prepare a series of loan procedures such as financial statements, in addition to the key task, which is to find the loan guarantor.

Even the people of the Agricultural Bank of China believe that this loan should be guaranteed by Changda Group, and the staff of Lao Duan and the finance department of Changda Holdings naturally think so.

When Lao Duan expressed his thoughts to Guan Yuntian, he did not get a positive response from Guan Yuntian. "Mr. Guan, in addition to Changda Group, there is no other unit that can guarantee for us, and the Agricultural Bank of China recognizes the guarantee qualification of Changda Group very much, please help us again. Old Duan pleaded.

"I know that Changda Group is the gold medal customer of these financial institutions, and many units in the society also want us to make guarantees, but Changda Group can't do that, once a precedent is set, we can't cope with it at all. So over the years, we have never vouched for any of the outside units. "Guan Yuntian said.

"What can I do then?" "If we can't find a suitable guarantor, we won't get this loan, and the expansion of Xinrui Pharmaceutical will become a piece of paper, and all previous ideas are empty talk." ”

"Don't worry, Changda Group doesn't come forward to guarantee, you can also find other guarantors. ”

"Mr. Guan, if I can find other guarantors, I don't have to worry, the key is that we can't find another guarantor!"

Lao Duan said dejectedly.

"Didn't say it before, because Changda Group is the bank's gold customer, many companies trust their relationship to find friends, please Changda Group to provide them with guarantees, some of which are even leaders with a head and face to intercede, we can not shirk, but can not violate the group company's principle of 'no external guarantee', in order to cope with this situation, Changda Group has set up a platform institution specializing in guarantee and small financing, and those who request Changda Group to guarantee its enterprises have all been pushed to the platform institution. "Guan Yuntian said.

"Can the guarantee qualification of this platform institution be recognized by the bank?" asked Lao Duan.

"Of course it's approved by the bank, otherwise how can you do business?"

"What does Mr. Guan mean, we are also looking for this agency to guarantee?"

Guan Yuntian nodded, "They come forward to guarantee, and the bank still recognizes it, but the platform agency has to charge a certain handling fee, and you can understand it as a guarantee fee." ”

"Oh----," Lao Duan thought for a moment, "how much guarantee fee do they usually charge?"

"I don't know the specific percentage, you can ask first, but a large guarantee like this, especially a reputable listed company like Changda Holdings, I don't think the guarantee fee should be too high. ”

Lao Duan was anxious to know the situation of the platform agency, "Mr. Guan, why don't you say hello over there, I'll go over and take a look?"

"It's good that the loan guarantee is implemented as soon as possible, and you can rest assured as soon as possible. ”

Guan Yuntian grabbed the landline phone on the table and dialed a number, "Mr. Chang, a customer will come to you to learn about the loan guarantee in a while, please contact us." Putting down the phone, he said to Lao Duan: "I won't accompany you over, you go to Chang Zong over there by yourself, and he will explain everything to you clearly." ”

Found the Changda guarantee platform company located in the prosperous area of the county, Lao Duan came to the door of the general manager's office, saw that the door was ajar, he knocked lightly on the door a few times, and the old man who was sitting at the desk and reading the report raised his head, "Please come in!"

"Are you Mr. Chang?"

"Yes, you're the friend Mr. Guan just called, right? Lao Chang got up and shook hands to give up his seat, and made a cup of tea and put it in front of Lao Duan.

Lao Duan gave a brief introduction to the situation, "Mr. Chang, we have a loan of 200 million yuan that needs to be guaranteed, Mr. Guan asked me to come to you, I want to know about the loan guarantee." ”

Changda Holdings, originally a family, Duan is always the new chairman, and the former chairman of the listed company is Mr. Ye of Changda Group. What do you want to know?"

"It's mainly your relationship with the bank, and the percentage of the guarantee fee charged. ”

"Mr. Duan meant, I want to see our guarantee qualifications," Lao Chang pointed to the business license and industrial and commercial license hanging on the wall, "all kinds of procedures are complete, and the guarantee of 60% of the county's private enterprises comes from us, and the guarantee procedures issued from here have been fully recognized by several large state-owned banks and local financial institutions." "It's the same old way.

"What about the guarantee fee, what is the percentage of charge?"

"According to the different risks of the lending enterprises, we have divided into several grades, and for those high-risk industries and enterprises, we will also ask the other party to make a counter-guarantee if necessary. ”

"Specifically, in the case of our Changda Holdings, what is the guarantee fee?"

Lao Chang summed it up, "It's about one percent, because it was introduced by Mr. Guan, and the company is derived from Changda Group, and it may eventually give you a little discount, maybe a little less than one percent." ”

Lao Duan also made an estimate, compared with not being able to find a guarantor and not being able to get a bank loan, he felt that the guarantee fee of 15.6 million yuan was not much, "Mr. Chang, I decided to ask you to guarantee, when is it expected that the guarantee procedures can be done?"

"At any time, as long as you submit the relevant financial statements, after our review process, we can do the guarantee procedures for you, and it can be completed in about two days. ”

Lao Duan predicts that if everything goes well, the loan will be available in about two weeks, "Mr. Chang, I will go back and explain to the financial department, let them prepare the financial statements immediately, you tell me the requirements of the statements, and I will let them do it when I go back." ”

I often find out a "Format and Related Filling Requirements for Loan Guarantee Financial Statement" and hand it to Lao Duan, "You are a listed company, and such a statement is easy for the company's financial personnel." ”

......

After the expansion funds of Changda Holdings have been settled, Guan Yuntian must seize the time to implement the planting plan of Chinese herbal medicine. For the cultivation of Chinese herbal medicine, not to mention the top and bottom of Changda Group, even in the entire Fuyuan County, there is no knowledgeable person.

Lao Xu suggested going to the Provincial Academy of Agricultural Sciences to find experts for consultation, because the walnut cultivation in the northern mountainous areas is the technical support provided by the Provincial Academy of Agricultural Sciences. Through Mr. Li of Xinrui Pharmaceutical, he consulted with the Provincial Institute of Traditional Chinese Medicine, and as a result, the Institute of Traditional Chinese Medicine only has the application of Chinese herbal medicine, and there are no projects and talents in planting and cultivation.

"How is this good?" Such an inconspicuous little thing made Guan Yuntian difficult, but he thought about it, now is the information society, and this kind of thing should be able to be found on the Internet. Sure enough, through online searching, I found several institutions engaged in the cultivation and cultivation of Chinese herbal medicines, which are indeed in other provinces.

After discussing with Lao Xu, Guan Yuntian chose an institution specializing in the cultivation of Chinese herbal medicine, and was ready to cooperate with the other party to introduce planting technology from the other party.

Guan Yuntian told Lao Xu that he would first contact the Chinese herbal medicine research institute named "Shi Zhen", and visit him at a later date to discuss cooperation matters.

A few days later, Guan Yuntian and Lao Xu came to the "Shizhen Institute of Chinese Herbal Medicine" thousands of miles away, in the small office area, the environment is quiet, the most impressive thing is the statue of Li Shizhen that is more than ten meters high, in addition, there is only a half-old three-story building, this unit is restructured, it is said that it was also a local state-owned research unit.

After explaining the situation to the doorman, the two walked into the office building and stopped at the door of the office on the second floor directly opposite the staircase.

"We are from Changda Group Company, and we called here two days ago. Lao Xu introduced himself.

The young lady at the desk got up and greeted her, "Yes, this is the office of the institute, I answered the phone call two days ago, please take a seat." The lady made tea for the guest and continued, "What business do you want to discuss?"

"Technical cooperation on the cultivation of Chinese herbal medicine. ”

"That's under the jurisdiction of the Technical Section, and I have to talk to them. ”