Changda Group, a well-known enterprise, many local small and medium-sized enterprises, and even large enterprises want to have a relationship with it, but Guan Yuntian is unmoved, because the guarantee is a courtesy exchange, Changda Group's bank loans do not need to find those enterprises to guarantee, they can't guarantee, looking back, they want to let Changda Group guarantee, naturally it is not so easy.

Everyone knows that Changda Group is a golden signboard, and the guarantee procedures issued by them are recognized by every local financial institution, but it is almost an impossible task to let Changda Group come forward to guarantee, so some companies are looking for acquaintances and trusting relationships, which has a problem for Guan Yuntian, refuse them all, and offend many people, and easily agree to be happy, but that will bring risks to Changda Group.

In order to solve this problem, Guan Yuntian discussed countermeasures with two think tanks, and Ye Jiayi proposed to set up a guarantee company to turn away the enterprises that came to ask for help, but it was not a categorical refusal, which was equivalent to building a firewall between Changda Company and the loan company. This method was affirmed by Guan Yuntian and Ding Xiangqian, but they also had doubts.

"Jiayi's hometown is in the southeast province, where the policy is relatively relaxed, and in our northern region, it is still unknown whether the policy allows such an intermediary company to exist. "Guan Yuntian said.

"It doesn't matter, I'll ask someone to consult with the relevant departments later, even if we initiate the establishment of the first such company in the region, as long as the policy does not prohibit it, it is worth it, because we have no other better way to deal with those companies that come to us for help." Ding Xiangqian said.

"Okay, Mr. Ding hurry up and bother, if there is anything that needs to be dredged, as long as it doesn't violate the big principle, you can do it. Guan Yuntian agreed to this plan.

"Mr. Guan, if the policy allows the establishment of similar intermediary institutions, there must be special personnel to manage them at that time! Because the scope of business carried out belongs to the financial field, the existing personnel of Changda Group are not suitable for managing such institutions. Lao Ding reminded.

"Well, that's a problem, you can consult first, and the agency's administrators ----, let me figure it out. "Guan Yuntian said.

Lao Ding returned to the office, and immediately made a few phone calls to the banking supervision department and the industrial and commercial bureau and other relevant agencies, and through consultation, he learned that similar platform companies have appeared in the province, but there is still no one in Fuyuan County and Huayuan City, "Does that mean that the policy allows?" asked Lao Ding.

"The higher-level departments neither said that they were allowed nor opposed, and other provinces and cities have such platforms, and the policy does not prohibit them, which can only mean that we can do it, because we have never seen the above issue a red-headed document on this issue. A friend from the banking regulatory department responded.

"Oh, as long as you can do it. ”

"However, no matter who you are, before you do this, you must first think clearly, whether you can set up such a platform company can be widely recognized by all banks? If the banks don't buy it, it will be useless to set up. The other party reminded.

"Yes, if the bank doesn't buy it, the guarantee is invalid. ”

Lao Ding immediately reported the situation to Guan Yuntian, "Mr. Guan, I have already consulted, this matter can be done." ”

"There are no policy obstacles?"

"The current situation is that the above neither supports nor opposes, in short, I have not seen the above statement, and the judgment of the regulatory authorities is that the above acquiesces in doing so, and it is said that other places in our province already have such platforms. Lao Ding said.

"That's great! You'll have to work hard for a while while to figure out the further situation and see what the conditions and procedures are required to set up such an institution. ”

"That's no problem, I will continue to investigate the situation, but a friend from the banking regulatory department reminded me that a key issue in the ultimate success or failure of this kind of platform is whether it can be recognized by various banks, and if it is not supported by banking institutions, such a platform cannot survive." ”

Guan Yuntian laughed, "Hahaha! Thank you for this friend's reminder, the relationship between Changda Group and various banks, Mr. Ding, you should know better than me!"

Although the policy does not prohibit the establishment of a guarantee company, but who to find to manage it? This kind of financial business, just as Lao Ding said, from top to bottom, Changda Group, no one is an expert in this area, even if it is established, if the management is not good, the platform will still not be able to operate.

Looking around, Guan Yuntian could not find a suitable person to manage the future guarantee company, which made him restless, because the work on Lao Ding's side was progressing smoothly, all the circumstances had been inquired clearly, and the conditions for opening up had been met, and he was only waiting for the next step to register with the industrial and commercial agency.

That night, Lao Ding invited several leaders of the credit union to get together, which was also arranged by Guan Yuntian two days ago, Guan Yuntian had a very good relationship with the directors and deputy directors of the association, and he naturally had to attend the party that night.

During the chat, I learned that Lao Chang, deputy director of the business of the Associated Press, was about to retire to the second line because the number of years he had participated in the work had expired.

"Time flies so fast, Director Chang, I didn't expect you to take a back seat!" Guan Yuntian sighed.

"But no, Mr. Guan, I don't know if you remember? When you first arrived at the campus factory, the first time we met, I was the director of the Chengguan Office, and I was in my early forties. "It's the same old way.

Forgot something, Guan Yuntian can not forget that unforgettable experience, when Guan Yuntian was demoted from the teaching position of Chengguan Central Primary School to the campus factory, but the original printing business of the campus factory was almost exhausted, the factory was facing closure, Guan Yuntian took over and decided to switch to the production of red bricks, although the idea is good, but the first problem he faced was that there was no funds, Guan Yuntian in the name of himself and his school colleague Lin Nan, with a personal loan, applied for the first loan totaling 100,000 yuan from the Chengguan Office of the Credit Union, as the start-up capital of the red brick project, at that time, thanks to the care of the director of the office, otherwise, the red brick project could not be started。

Less than a year later, Chengguan Central Primary School Principal Qi was afraid of being implicated, severed all relations with the campus brick factory, the 1.2 million loan guaranteed by the school suddenly lost the guarantor, if the rules and regulations are strictly followed, if the campus brick factory can not find a follow-up guarantee, the bank should immediately recover all the loans, that will be a fatal blow to Guan Yuntian. But Lao Chang didn't do that, he took the initiative to suppress the news of the withdrawal of Chengguan Central Primary School, and helped Guan Yuntian find a way to get him through that crisis.

On the one hand, ordinary people do not have the strength of "spring", on the other hand, the other party does not necessarily need to repay with "spring", but gratitude can not be missing, often grateful to those who have reached out to themselves, and they will also become a helpful person. This feeling is not necessarily material, and sometimes, the spiritual aspect is more important.

The past is vivid, Guan Yuntian sighed that time flies at the same time, but also from the bottom of his heart to thank Brother Chang for his help, "I remember that I have been working for less than two years, from the school to the campus factory, facing a mess, although there is a desire to change production, but the factory has nothing on the books, and the workers have not been paid wages for half a year, I remember that in order to raise the start-up capital of the red brick project, I and a school colleague borrowed 100,000 yuan from the Chengguan office in my personal name, and it was your help that gradually got us out of the predicament." ”

"Hey, how many years ago did this happen, do you remember it so clearly? Aren't our financial institutions just for businesses? That's not worth mentioning. ”

"That can't be said, there is a world of difference between sending charcoal in the snow and icing on the cake. "Guan Yuntian said.

"Guan is always a caring person, the company is now so big, and I still remember some small things at the beginning of the business, which is rare among large business owners. Come, I'll salute one back!" Lao Sun, director of the Associated Press, raised his glass.

"Thank you, Director Sun! The tree is thousands of feet tall and can't forget the roots. In fact, we are grateful for every support that financial institutions give to enterprises. Some people say that if an enterprise does not take out a loan, the bank's funds will not be able to produce returns, and this viewpoint is extreme and one-sided, and people cannot only consider problems from their own standpoint. ”

The number one Lao Sun and several deputy directors all know the amount of alcohol that Guan Yuntian drinks, they drink together, they are always very conscious, do their best, neither deliberately drink less, nor persuade them to drink, everyone just has fun.

In the back, it was basically mainly talking and chatting, but Guan Yuntian, as the owner, still occasionally raised his glass to toast to the guests, and after putting down the glass, he remembered one thing, "Director Sun, leaders, Changda Group wants to set up a guarantee company in the next step, and I hope to get your care and support." ”

Lao Sun was the first to be surprised, "What?

"Of course, it's a guarantee for the company! Why, Director Sun doesn't support us?" Guan Yuntian said with a smile.

"Where, this is the internal affairs of your enterprise, how dare I make irresponsible remarks?"

"Don't say that, the guarantor company is counting on your support in the future. ”

"Mr. Guan, why did you suddenly think of establishing such an organization?"

"Hi, it's hard to say, I don't know what's wrong, in the past six months, a number of companies have asked Changda Group to help them guarantee, those who came directly to the door, of course, we refused, but a large part of them did not come directly to the door, but to find acquaintances or leaders of government functional departments who could talk to us, which made us a little embarrassed. "Guan Yuntian said.

"What does this have to do with your establishment of a guarantee company?" Lao Sun was still puzzled.

"Friends or leaders of functional departments come forward and ask for a guarantee of 32 million, how can such a large Changda Group refuse? If you don't look at the monk's face, you have to look at the Buddha's face, Director Sun, don't you say? However, once this opening is opened, we may be overwhelmed, and how can we control the risks that follow? This is a problem we have to consider. ”

"Yes, it is all leaders or friends who come forward to intercede, once they vouch for this, it is not easy for the other to refuse, if they all agree, which company can also find such friends or leaders around the bush, and then Changda Group will not become Tang monk meat?"

"Therefore, we decided to set up a guarantee company to push all the enterprises that request guarantee to the guarantee platform, and did not categorically refuse the guarantee request, but also did not let them have a direct connection with Changda Group, so as to minimize the group's risks. ”

"Although the idea is good, but it involves financial policy, can the relevant departments allow enterprises to set up such a platform institution?" Lao Sun doubted.

"We've consulted, and the policy doesn't say it's allowed, or it's forbidden, so it means it can be done. In fact, some provinces and cities in the south have appeared such platforms as early as a few years ago, and no one has been banned. "Guan Yuntian said.

"Pushing the enterprise requesting guarantee away from Changda Group naturally eliminates the risks faced by the group, which is of course very good, but when it comes to the guarantee company, isn't the guarantee platform also facing risks? Since the guarantee company is a platform built by Changda Group, once the platform is at risk, isn't it still related to Changda Group?" said Chang Chang Analysis.

"We have also taken this issue into account, but there is one way to minimize the risk, and that is to have them counter-guarantee all companies that request guarantees. "Guan Yuntian said.

Lao Sun immediately understood, "Clever trick! There are masters around Mr. Guan." However, I doubt that those companies will be able to do their bidding. ”