Since knowing the news of the bankruptcy of Tianyuan Company, Guan Yuntian has made some kind of mental preparation, but his principle is to minimize the loss as much as possible, after all, the decision to guarantee Tianyuan Company, whether it is right or wrong, is all agreed by him, since the matter has happened, regret has been useless, it is better to face the reality and deal with it positively, but he sees it very clearly, it is almost impossible to completely avoid losses.

With such an idea, Guan Yuntian seemed a lot relieved when dealing with the bankruptcy case of Tianyuan Company, "President Ren, as long as you agree to my plan, things will not be so terrible, and then your ICBC only needs to submit a request to the bankruptcy liquidation team and the court to transfer the loan we guaranteed for Tianyuan Company and the assets of Tianyuan Company obtained by ICBC to the name of Changda Group at the same time, isn't it simple?"

"The transfer of debts and the part of the assets that should belong to the creditors of the bankrupt enterprise to the name of Changda Group has completely become a matter between ICBC and Changda Group, and our ICBC has almost no connection with the bankrupt enterprise Tianyuan Company, and you don't need to repay the bank loan for the bankrupt enterprise, everyone is happy, this idea looks really good. It's just that Changda Group suddenly has an extra loan of 700 million yuan, as well as an annual interest of 40 million or 50 million. Lao Ren nodded in agreement and reminded.

"Changda Group and ICBC already have a lot of credit business, the extra 700 million loans, for us can not add much burden, as for the interest, please rest assured that Changda Group will pay on time, just like we treat the company's normal loan business. It's just that the interest on this loan, should it be reconsidered?" Guan Yuntian said.

"Reconsider the interest on the loan?, what do you mean?" looked at the other party suspiciously.

"How much is the interest on the loan of 700 million yuan in Tianyuan Company? After the loan is transferred to the Changda Group, it cannot be implemented according to the previous interest standard. ”

"Ouch...... "Lao Ren was surprised at the same time, he admired Guan Yuntian's shrewdness from the heart, and he said after a little thought, "Because Tianyuan Company is not a gold medal customer of ICBC, their original loan interest rate has risen by 20% on the basis of the benchmark interest rate according to our internal regulations, and after it is transferred to the name of Changda Group, we can consider adjusting the interest rate of this loan back to the benchmark interest rate." ”

"This is not appropriate, Brother Ren, what is the current loan interest rate of Changda Group?"

"Changda Group is a gold customer of ICBC, and according to the internal regulations, you can enjoy a preferential interest rate of 20% on the basis of the benchmark interest rate. ”

"Isn't this just a good idea? It's all a loan from the Changda Group, why is the interest rate not the same? You have to treat everyone equally!" Guan Yuntian said.

"What? You want Tianyuan Company to transfer this loan to the name of Changda Group, and also enjoy a 20% preferential interest rate?" asked Lao Ren with a red face.

"What? Just Chong Changda Group's golden signboard, do you think we don't have this qualification? On the one hand, Tianyuan Company deceived financial institutions, and in addition, ICBC also bears the responsibility of lax control in the loan review stage, which has nothing to do with our guarantee unit, but we take the initiative to find a way to deal with this incident, according to my plan, it will not have any adverse impact on your ICBC, and you ICBC should also have something to do with our positive efforts, right?"

Although Guan Yuntian's plan is subjectively for the purpose of self-protection, it does save ICBC a lot of trouble, otherwise, even if the guarantee unit bears joint and several liability, it is by no means a simple matter to deal with a bankrupt enterprise loan business involving 700 million yuan.

"Of course, Changda Group is eligible for preferential interest rates, but this rise and fall, there is a 40% difference in interest rates.

"It's not my abacus, I think things have to be done like this, otherwise, honest people will suffer forever! Brother Ren, you can imagine that we will take over the debts of Tianyuan Company so smoothly, and we will not let you pay any price, but just make some concessions in terms of interest rates, if you meet the kind of customer who is not afraid of boiling water, let you file a lawsuit, and fight with you, the iron rooster will not pull out a hair, and in the end you will be given a bunch of broken copper and iron at most, which one do you choose?"

"Needless to say, of course, we are willing to choose responsible partners. ”

"That's right! When did you suffer a loss by cooperating with Changda Group? Brother Ren, you should have experienced it all these years!"

In Lao Ren's mind, Guan Yuntian is indeed a very shrewd partner, but he is also a responsible, responsible, and like-minded business owner.

"Mr. Guan, one up and one down, the interest rate difference is 40 percent, and the 700 million loan will save nearly 20 million interest expenses for Changda Group every year, which is also a fact. ”

"Brother Ren, you can't say that, it's true to save 20 million interest expenses every year, but Changda Group has to pay you nearly 30 million interest every year for no reason, and there is a sudden extra 700 million loan principal, you have also received the interest paid by Tianyuan Company before, Changda Group has not even seen a child, so it has to bear such a big responsibility, who do you say we recruited to provoke whom? Are we wronged?" Because he is also a friend with Lao Ren, Guan Yuntian just took this opportunity to express his grievances.

"Okay, it's better for you to say that, now that the incident has happened, regret won't help, so let's face it positively. I agree with your plan, the loan transferred by Tianyuan Company to the name of Changda Group will be implemented according to the preferential interest rate standard that Changda Group has been enjoying, but despite this, the bankruptcy of Tianyuan Company will also bring a lot of losses to Changda Group. Perhaps Guan Yuntian's angry words played a certain role, and Lao Ren also sympathized with the experience of Changda Group.

"Thank you Brother Ren for your understanding! In order to minimize the loss of Changda Group, I would like to make an additional request to you. ”

Lao Ren's heart that he had just put down was raised again, "I have agreed to all the conditions you proposed, what other requests do you have?"

"Don't be nervous, don't you have words first, I won't be too embarrassed friends, and everything I make will not be too difficult. ”

"I hope so, you say. ”

"When the liquidation team deals with general debts, according to the proportion of creditor's rights, you will inevitably get a part of Tianyuan's assets, I mean, if there is a choice, you had better choose the pharmaceutical workshop that Tianyuan has already put into production. "Guan Yuntian said.

"This ...... I thought I could submit it to the bankruptcy liquidation team when the time came, but why are you interested in the pharmaceutical workshop?"

"There's no reason for the moment, it's just a consideration on my part. ”

"However, what if according to ICBC's creditor's limit, we can't distribute the entire pharmaceutical workshop proportionally, but share it with other creditors?"

"When the time comes, let's keep in touch and act when the opportunity comes. ”

Bear the responsibility of 700 million loans for others for no reason, and pay an additional interest of nearly 30 million per year, with Guan Yuntian's character, he will take some remedial measures anyway, but he has no mature ideas yet, only some sporadic vague concepts.

The work involving the bankruptcy liquidation of Tianyuan Company was carried out smoothly in the early stage, and in less than a month, it was carried out to the stage of repayment of general debts. According to ICBC's old acquaintances, Tianyuan's tire production business, together with production equipment and plants, was bought by a powerful local tire company as a whole, and the funds obtained were used to deal with the aftermath of bankruptcy.

At the stage of general debt repayment, Tianyuan's assets are only the newly built pharmaceutical factory in the development zone, including a GMP plant that is already in production in the first phase of the project, and the second phase of the expansion project, which has not yet been completed.

Among the general creditors, ICBC is the largest creditor, and according to the relevant rules, they first select the assets that match the proportion of their claims. According to Guan Yuntian's previous request, President Ren instructed a vice president in charge of handling the matter to let him select a GMP workshop that was already in production.

"However, according to the proportion of creditor's rights, the creditor's rights of ICBC are not enough to occupy the GMP workshop that has been built. The vice president immediately reported the situation to the old man.

Lao Ren didn't know Guan Yuntian's purpose, so he had to transfer the situation to Guan Yuntian, "What do you say, the creditor's rights enjoyed by ICBC in proportion are not enough to occupy the workshop alone." ”

"As long as you choose the workshop, it's best to have it alone, even if you can't have it alone. ”

Guan Yuntian has some understanding of the pharmaceutical industry, when the Changda Group's tire manufacturing and refining and petrochemical and other traditional industries were packaged, seeking backdoor listing, the borrowed shell is a suspended listed company called Xinrui Pharmaceutical, through asset restructuring, Changda Group became the owner of Xinrui Pharmaceutical, although it became the largest shareholder, but Guan Yuntian is a strong support for the original company's pharmaceutical business. So far, the scale of Xinrui Pharmaceutical has expanded several times, although it does not belong to the enterprise of Changda Group, but the Chinese herbal medicine intercropped by Changda Group's agricultural project in the northern mountainous area is the raw material for Xinrui Pharmaceutical.

Therefore, when it comes to Tianyuan's pharmaceutical business, Guan Yuntian was interested in it immediately, he knows the value of GMP workshop, and it is not easy to build such a workshop.

Lao Ren didn't understand Guan Yuntian's move, "Even if that workshop is useful to you, if we share it with another creditor, if someone else demolishes some of it, what is the use of you taking it?"

"You just do what I say, and you don't have to worry about anything else. How else could I say that my plan has saved you a lot of trouble? If it had made you more troublesome, I wouldn't have brought it up. ”

President Ren didn't know what kind of medicine Guan Yuntian was in the gourd, but people didn't let him worry about it, so why did Lao Ren bother with that brain? He instructed the vice president: "No matter what happens, ICBC only needs that GMP workshop." ”

In the end, ICBC had 80% ownership of the GMP workshop, and the remaining 20% was allocated to another creditor by the bankruptcy liquidation team.

After getting the procedures for the relevant assets from the liquidation team, President Ren came to the office of Guan Yuntian, the headquarters of Changda Group, and said straight to the point: "We have all taken back the ICBC, and that's all, the procedures are here." ”

"Okay, give it to me. Aren't you here to send me the formalities?" Guan Yuntian stretched out his hand to take it.

Lao Ren took a step back, "You think beautifully, there is no agreement between us, can I give you these formalities casually? Don't underestimate these pieces of paper, they are worth 700 million!"