For four or five days in a row, there was an endless stream of people who came to understand the situation, among which small business owners and individual industrial and commercial households accounted for the vast majority, and those small and medium-sized enterprises who had contacted Guan Yuntian and Lao Ding before had already known about the situation of the newly opened intermediary platform company, and they only wanted to know when the intermediary company would officially handle business.

For the people who came to understand the situation, Chang Chang could patiently explain to the other party on the first day, and his voice was a little hoarse the next day, so he explained to the staff of the business department and sent a book of explanatory materials of the intermediary company to the other party, so that the visitors could read it themselves.

Together with large and small enterprises and self-employed people, in the past few days, Changyuan Company has received nearly 200 guarantee applications and enterprise (individual) briefings, and Chang often leads all the personnel of the business department and the finance department to classify these materials in order to choose the order of business development.

In order to expand the scope of business, Chang Chang discussed with Guan Yuntian that Changyuan Intermediary Company has 500 million funds as the backing, in addition to providing loan guarantee business for customers, under the premise of ensuring the safety of funds, it can also carry out some private financing.

Guan Yuntian agrees with Chang's advice, but when it comes to inspecting customers, he is more strict and careful.

Through the analysis of these loan guarantees and private financing applications, it is found that the purpose of loans and direct financing is varied, such as those that are useful for working capital, those who borrow short-term loans to repay the principal and interest of bank loans in the early stage, and even individual financial institutions and practitioners who borrow overnight in order to complete short-term targets, and of course, some small and medium-sized enterprises in order to develop and grow, and the purpose of loans is purely for the purpose of expanding reproduction, and so on.

For direct financing applications, this is basically the same as the bank loan process, Lao Chang used to be the executive deputy director of the county association from the grassroots level, very familiar with the whole process, easy to operate, the key is to screen and inspect customers, a little careless, it will bring risks.

Lao Chang consulted with three staff members of the business department, and the first batch of five customers who applied for direct financing were not enterprises, but self-employed. The reason for this choice is very simple, because they feel that there are many links in production-oriented enterprises, which are not easy to see through, but not for business-oriented merchants, as long as the warehouse has goods, the purchase and sales are normal, and the financial accounts are clear, there will be no traps.

Despite this, the financing conditions are not at all more lenient than those of banks, but these merchants are not eligible for loans at all, and the Changyuan intermediary platform can provide them with loans, which can be regarded as a solution to their urgent needs.

The staff of the business section carefully inspected the five merchants, and did not see any flaws, in order to be foolproof, Lao Chang was still not at ease, he went to the merchants' business premises for several days in a row to pretend to buy goods, secretly observed the business situation of each merchant, and only after he saw it with his own eyes did he ask the loan merchant to provide financial statements.

Through the audit of the financial department of the intermediary company, Ye Jiayi sent the audit report signed by herself to Lao Chang, "These financial statements are quite formal, and no problems have been found." ”

"Section Chief Fang, did you personally review these tables, or did the accountant audit them?"

"What's the difference? I have qualifications for both accounting and accounting. Fang Xiaomei was inexplicable.

"That's not what I said, I mean the accounting audit, have you personally seen it and reviewed it again?"

Fang Xiaomei disagreed, "Is that necessary? Do it like I can't trust others, how can I do my work in the future?"

"This has nothing to do with trustworthiness, but mainly for prudence. ”

"Mr. Chang, we are serious enough, cautious enough, do we need to be so cautious and walk on thin ice?"

"Section Chief Fang, let's deal directly with money, which one goes out is not less than tens of millions, or even hundreds of millions, Mr. Guan handed over such an important matter to you and me, we have to be cautious, cautious, once there is a mistake, I'm afraid I'm sorry Mr. Guan!"

"Of course we have to be cautious in our work, I mean we don't need to be so nervous. Okay, in the future, the financial statements of each company will be checked by me, and double insurance should always be possible, right?" Fang Xiaomei felt that she was always making a bit of a fuss.

"Section Chief Fang, then you have to thank you, our purpose is completely the same, that is, to live up to Mr. Guan's trust and take care of the last pass for him. "Chang is a very responsible person.

"It doesn't matter, what requirements do you have for financial work, please feel free to tell me, everyone is a friend of Mr. Guan, and it is our common responsibility to take care of him. Afraid of causing a misunderstanding, Fang Xiaomei hurriedly expressed her attitude.

In the first batch of five borrowers, he selected three different types of customers, such as long-term loans, short-term loans and temporary loans, the interest rate of long-term loans is slightly lower, but it is also 1.3 to 1.5 times that of formal financial institutions, the interest rate of short-term loans is twice the average interest rate of banks, and the interest rate of temporary loans is three times that of banks.

To be sure, this interest rate is not high compared to the southern or southeastern coastal areas, but the first factor that is often considered is not how high the interest rate is, but the safety of the money lent, a principle that Guan Yuntian agrees with.

This kind of interest rate spread has also been affirmed by customers, those merchants who buy goods in the south all the year round, they are very aware of the outside lending market, under the conditions of long-term loans, the interest rate of Changyuan intermediary company is only 30 to 50 percent higher than that of banks, this interest rate is the lowest in private lending.

The original intention of the establishment of Changyuan intermediary company was to provide loan guarantee for enterprises in need, but he did not expect that the first business to be carried out was to directly carry out private financing, which was an unexpected harvest for Guan Yuntian, and he believed that it was a wise move for him to choose Lao Chang to be the general manager of the intermediary company.

Although the interest rate on short-term and temporary borrowings is relatively high, the interval between borrowing and repayment is too short, which adds a lot of workload to the Operations Section and the Finance Section.

Comparatively speaking, intermediary companies are more willing to do long-term loan business, as long as the risk is well controlled, and there is no need to pay a lot of labor, they can get good returns. Except for the first few short-term and temporary loans, in the future, intermediary companies generally do not do short-term and temporary business unless they have a particularly good relationship.

One weekend morning, Guan Yuntian received a call from Deputy Director Wan of the Urban Construction Bureau, Lao Wan invited Guan Yuntian to visit his friend's company, "Mr. Guan, I told you some time ago, please take time to go to my friend's company to have a look, this weekend, there should be time, right?"

"Wanju, I'm sorry, don't look at the weekend, I really don't have time, you know that Changda Group is such a big stall, how can I have any holidays and Sundays!"

"No matter how busy you are, you won't be able to spare half a day on the weekend, right?" Lao Wan felt that the other party was deliberately shirking.

"It's a good weekend today, but I have pre-arranged something else, I'm sorry, I can't really go today. Wanju, do you have something to do? If there is anything, you can say it directly, just by the relationship between you and me, you don't necessarily have to go to other people's factories to disturb. "Guan Yuntian said.

"Mr. Guan, have you forgotten? My friend's company is going to take out a loan in the bank and wants to ask Changda Group to help guarantee it. ”

"For this, then you don't have to worry about it, it's very simple now, ten thousand games, just let your friends do it directly." ”

"I don't understand what you mean, I'm talking about a loan guarantee, where do you let them go directly?"

"Don't you know? Changda Group set up a platform company some time ago, that is, a guarantee company, facing the society, specializing in providing services for enterprises with guarantee needs, and there is no need for you to come forward and tell your friend, so that they can directly find the guarantee company to handle it. Guan Yuntian reminded.

"You're talking about Changyuan intermediary company, right? I know that company, my friend has also consulted, but they not only have to charge a certain percentage of the guarantee fee, but also require the company to give them a counter-guarantee, the conditions are too harsh. "Lao Wandao.

"What then?"

"I mean, if it doesn't work, let's ask Changda Group to directly help my friend's company make a guarantee. ”

Hearing this, Guan Yuntian was suddenly a little annoyed, just for the sake of face, he restrained himself and said: "Wanju, the purpose of our establishment of a guarantee company is to provide guarantee services for enterprises in the society, Changda Group has a lot of affairs, we have no energy to deal with these trivial matters, after the establishment of the intermediary company, all the enterprises that want us to provide guarantees have been pushed to the guarantee platform, and the group company itself has not undertaken any guarantee business." ”

"But Mr. Guan, aren't we old friends, don't we give this face?" Lao Wan spoke a little nakedly.

"I know what Wan Ju means, do you want to say that you once helped our campus brick factory go through the procedures for the promotion of new products, and also gave us 300,000 policy support funds?"

"That's all a trivial matter, it's not worth mentioning, the bureau will still have support funds in the future, and I will still take care of your Changda Group. It seems like an understatement, Lao Wan actually wants to use this matter to bargain with Guan Yuntian.

Lao Wan's abacus is good enough, using the government's policy support funds as bait, so that Changda Group guarantees tens of millions of loans for his friend's company, and even the guarantee platform company does not want to use it, and directly asks Changda Group to guarantee, he not only saves hundreds of thousands of guarantee funds for his friend, but also exempts himself from counter-guarantee, and takes such an achievement to invite credit from his friend, Lao Wan's friend naturally can't treat him badly! However, the person standing opposite him is not someone else, but Guan Yuntian, all kinds of people and strange things have seen a lot, just Lao Wan's thoughts, you can know at a glance.

"Thank you Wanju, if you think that Changda Group is not enough to support the policy standards, you can not consider it, I mean if you have the right to decide in the bureau. But the matter of guaranteeing your friend's business cannot be confused with any support policy. ”

Guan Yuntian's meaning, Lao Wan should be able to hear clearly, that is, don't use the so-called support policy as a bargaining chip, first, you Lao Wan is not the leader of the Urban Construction Bureau, and you don't count the policy support; second, as far as your little chip, Changda Group doesn't want to do a deal with you!

"Mr. Guan, according to your meaning, we won't talk about that, but I have never asked you to do anything, and not this time?

It's not that I don't give you face, but we have pushed the guarantee business as a whole to the Changyuan intermediary company, and let your friends go there to handle it, isn't it very good? As for the fact that you mentioned that you were asked to do things at the beginning, I admit that the matter was indeed done, but everyone knows the process in their hearts. Hey, it's been a few years since the last few years, and it's so boring to mention it!"

Don't mention it, since it is mentioned, Guan Yuntian of course remembers that when he asked Lao Wan to do something, the things that were originally in line with the policy were what the Urban Construction Bureau should do, and it couldn't be done for a long time, but Guan Yuntian successively sent two bank cards to Lao Wan, so that the matter could be settled.

Lao Wan didn't get any bargain here with Guan Yuntian, he was very unwilling, and wanted to continue to entangle, but Guan Yuntian had already set the principle, and let Lao Wan grind hard and hard, how thick his skin was, but in the end he still couldn't get the result he wanted.

In fact, there are many people who have the same idea as Lao Wan, and several friends of Guan Yuntian also called and asked if they could let Changda Group directly guarantee, their purpose was simple and clear, that is, to save the guarantee fee.

This incident made Guan Yuntian cry and laugh, look at these people, they want to find others to take risks, but they are reluctant to spend a penny, why are they all so shrewd?