Onlookers Qing, this accountant Li saw the problems of the exquisite packaging company clearly, and hated the company's manager Lao Feng a little bit of iron and steel, "Maybe I listened to whose staff officer, a few days ago I pulled a few trucks of waste paper from outside, and that kind of waste paper can't be directly used as raw materials for packaging boxes, I really don't know what Lao Feng wants to do." ”

"Eldest sister, you don't need to be angry with that, it's a big deal not to do it in a beautiful company. Fang Xiaomei's friend persuaded.

"Yes, I'm an accountant, what the hell are you doing? But the packaging industry is really special, you have to say that it is a sunset industry, sometimes it can be popular for a while, but you have to see it as a sunrise industry, as long as there are experts in the media to make a discussion, it can make waves in the industry. It seems that this accountant Li has a lot of affection for the exquisite company.

"Is there such a possibility, this Manager Feng dumps waste paper, does he see that the price of waste paper has a trend of rising, and he wants to store it and wait for the price to skyrocket, and make a big profit?" Fang Xiaomei analyzed.

"Maybe, but even if he had such an idea, it would be a well-funded speculation, and I don't think he has that kind of financial strength at the moment, maybe someone else has temporarily deposited it in his company. ”

Having said that, the news that should be investigated has been fully clarified, and the rest is to accompany the meal to finish, and Fang Xiaomei has successfully completed the task.

The next morning, Fang Xiaomei went to Guan Yuntian's office at the headquarters of Changda Group and reported to Guan Yuntian word for word what she had learned.

After Fang Xiaomei left, Guan Yuntian dialed the phone number in Lao Chang's office, "Big brother, the people from the exquisite packaging company didn't look for you, right?"

"Nope. Why, have you found out what is really going on with them?"

"I inquired clearly, the situation is very bad, fortunately we are very cautious, otherwise it would be troublesome. "Guan Yuntian said.

"I said that the company is not very good, and it is a lot to give them three million. "I always rejoice in my decision.

"It's not just bad, it's very bad! This beautiful company is now only an empty shelf, the assets and land have long been mortgaged, and the employees have not been paid their salaries for several months!" Guan Yuntian said angrily.

"What do you want to do?" Faced with such a situation, since Guan Yuntian had asked about this matter, he often had to ask Guan Yuntian's opinion.

"Pressing it down first, even if it's three million, it's not busy with him. ”

"However, I have already gone to the exquisite company to inspect and informed the other party that I can lend them three million, how can I reply to the other party next? Even if I don't take the initiative to contact, their manager Feng will come to me sooner or later. "It's the same old way.

"Yes, find a way to prevaricate him first, but we can't let him know that we are secretly probing into their business, and this loan must be reconsidered. "Guan Yuntian said.

"Why don't you just give it to him?"

"You can't refuse so simply, it's better not to give them a loan, but also to make him feel that we didn't refuse on purpose. After all, the face of Deputy Director Guo of the county planning commission still needs to be taken into account. ”

"Prevarication can only be dealt with in a short time, and I am afraid that it is not a way to deal with it for a long time, if the other party asks, how can I explain it?" Don't look at Lao Chang, who has worked in the financial field for decades, and it is the first time for him to face such a situation, so when dealing with difficult problems, he is not as experienced as Guan Yuntian.

The old worry is not unreasonable, Guan Yuntian thought for a moment, "Otherwise, you still start from the guarantee link, closely follow the guarantee conditions, and don't say a word about the problems of his company." ”

"If the other party finds a qualified guarantor, what should we do?"

"On the situation of the exquisite packaging company, I think it is difficult for them to find a suitable guarantor, I have a deep experience of doing business over the years, when the business is thriving, a group of friends around you, what needs, competing to help you, for fear that you will not see him. If the business is in trouble, these so-called friends will take the opportunity to withdraw once they perceive it, and even if you invite them to drink, the other party will find all kinds of excuses to avoid you, and people are so realistic. In the current situation of the exquisite company, I don't see that their boss has a few real friends. Guan Yuntian analyzed.

"No wonder, who wants to jump into the pit!" said the old man.

"In addition, I really hope that the exquisite packaging company can find a qualified guarantor, in that case, we can rest assured that we can give them a loan boldly, there is no need to worry about the risk, the exquisite company can't pay it back, there is a guarantor for him, we don't have to be afraid of anything, in addition, I can also give my friend ---- the deputy director of the county planning commission, Guo Guo, a satisfactory explanation, why not?"

The next few days were very quiet, and there was no news of the beautiful packaging company, which made Chang Chang feel abnormal. Just when he was muttering in his heart, the phone on the desk rang, "Mr. Chang, I am Lao Feng of the exquisite company, are you in the unit?"

"I'm in the unit, what's the matter with Manager Feng?" asked Chang knowingly.

"I'll visit you in a moment. ”

"Hey, there's no need to visit, please talk about it on the phone. ”

"Mr. Chang, I want to talk to you, and there are some things I want to tell you in person. ”

"Okay, come on. "The other party came to the door, and Lao Chang couldn't push it anymore anyway.

At about ten o'clock in the morning, Lao Chang heard someone knocking on the door outside the office, "Please come in!" Then, Lao Feng pushed the door and came in.

"It's so fast, put down the phone and you're going here, right?" Lao Chang bowed slightly, and motioned for Lao Feng to sit on the chair opposite him, "I'll make you a cup of tea, Biluochun, how about it?" In terms of attitude, Lao Chang was obviously a little cold.

"Thank you! I'll do it myself. Lao Feng took matters into his own hands, made tea with a disposable paper cup, and put it on the table in front of him.

"Boss Feng is so leisurely?" Of course, Lao Chang knew the other party's intentions, and he had nothing to say.

"How leisurely! Mr. Chang, I want to ask when the loan of the exquisite packaging company will be implemented?"

Since Lao Feng did not take the initiative to mention the matter of the three million he promised before, it means that the other party no longer takes that seriously, but depends on the effect of Deputy Director Guo of the Planning Commission looking for Guan Yuntian, which has relieved Lao Chang, so he also pretended that he had not said that matter, "Your loan application report has been discussed, and the company has a lot of things to do in the past few days, so I haven't had time to tell you." ”

"Oh----, may I ask Mr. Chang, have you approved it for us?" Lao Feng was pleasantly surprised, as if he didn't expect things to go so smoothly.

"Don't worry, although we discussed your application report and agreed to lend you in principle, you have to provide a suitable guarantor!"

"Guarantee unit----, Oh, do intermediaries like you have strict requirements for guarantees?" To be honest, it was because they couldn't find a suitable guarantor that the exquisite company was rejected by all formal financial institutions, and Lao Feng didn't expect that Changyuan intermediary company also had strict requirements for guarantees.

Although we are a non-governmental financial institution, the general principles of financial units must be observed, otherwise how can we control risks? You must know that the funds of our intermediary companies are all the enterprises' own money, and the procedures can be simplified and shortened, but the risks must be strictly controlled. Chang Chang said seriously.

Lao Feng hesitated for a while, "Mr. Chang, I can find the guarantor, but what are your criteria for meeting the so-called conditions?"

"We have a set of internal standards, which are similar to the requirements of formal financial institutions, you first find the guarantor, and show me the qualifications and conditions of the guarantor company. ”

When it comes to looking for a guarantee unit, Lao Feng has a headache, and the purpose of his search for Changyuan intermediary company is to take a shortcut in the guarantee link, but he didn't expect that this intermediary company also pays attention to this problem.

"Mr. Chang, can we be flexible?"

"What's the workaround? What do you want to do?"

"Interest for security. ”

"This is the first time I've heard such a statement, so please explain. ”

"I'm raising the interest rate in exchange for your leniency in the guarantee process. ”

"This ...... I can't be the master, we are a joint-stock system, and unconventional operations like this need to be discussed with shareholders. This kind of prevarication is always reasonable.

"Mr. Chang, I don't know if you know about the company, I don't treat you as an outsider, tell you the truth, now many companies are killed by the guarantee link. ”

In fact, in order to support the development of enterprises, financial institutions have now relaxed the guarantee conditions, and enterprises are allowed to guarantee each other. ”

Lao Feng smiled bitterly: "It is true that mutual insurance is allowed, but it is not so easy to find a mutual insurance unit equivalent to your own enterprise!"

"Manager Feng, I don't quite understand what you mean. ”

"Let me tell you this, the company that is bigger than you and better than you, people are strong, they don't look down on you, and they naturally don't want to protect each other with you; This is a bit like a young man looking for a partner, high is not low, it is easier said than done!"

"Well, the situation you said does exist in reality, but most companies have finally found a guarantee, and I think the key depends on the strength of the company and the credibility of the boss. ”

Seeing that Lao Chang didn't agree on the spot, Manager Feng had to say stupidly: "Mr. Chang, why don't you study my proposal to exchange interest for guarantee with the shareholders, and I will go back and find a guarantee unit?"

"It's okay, you and I should work hard. ”

After sending Manager Feng away, Lao Chang immediately reported the situation to Guan Yuntian, "Mr. Guan, have you heard of the idea of exchanging interest for guarantee?"

"What do you mean by interest for security?"

"It seems that you haven't heard of it, and it's the first time I've heard of it. "It's the same old way.

"What exactly do you want to say?" Guan Yuntian didn't know what he meant.

"Manager Feng of the exquisite packaging company has just left from me, he has been here for more than half an hour, and this proposal for interest for guarantee is what he put forward. ”

"What does he want to do?"

"He is willing to pay higher interest in exchange for our leniency in the guarantee process. Lao Chang explained.

This is just a trick to lure the other party into taking the bait, even if you increase the interest several times, even if you deduct the interest of the year when you lend money, as long as you agree to give him a loan, he is still willing to accept your terms. However, there is basically no possibility of recovering the funds that have been loaned. "What a smart person Guan Yuntian is, how can he hide this little trick from him.

"How can I agree to such an important thing casually? Especially since we have learned the inside story of the exquisite company, and then I heard Lao Feng say this, I became more vigilant, I rejected his suggestion at that time, and told him that if he wanted a loan, it was no problem, and he hurried back to find a guarantee. ”

This old Feng can even think of such a method, which shows that it is difficult for him to find a guarantee unit. ”

"Indeed, in the course of our conversation, he talked a lot about how difficult it was to find a guarantee, and even told me the truth without treating me as an outsider. ”

Guan Yuntian also encountered similar problems in the early days of entrepreneurship, although he did not have a good impression of Lao Feng and the exquisite packaging company, but he expressed deep sympathy for the difficulties faced by a large number of small and medium-sized enterprises, "What Lao Feng said is more common in society, many small and medium-sized enterprises because they can't find a suitable guarantee, unable to obtain financial support from the bank, and finally closed down, which is very sad to say." ”