Ye Jiayi's reminder made Guan Yuntian vigilant, even if the price is reduced and promoted, there is uncertainty in terms of time and amount of funds returned, if he wins the land bidding in the provincial capital, but the funds here cannot be in place on time and in full, then it will be a big trouble!

If Changda Real Estate defaults in the land auction in the provincial capital, affecting the company's reputation and falling second, I am afraid that Changda Real Estate Company will not be able to gain a foothold in the provincial capital, let alone participate in market competition. Guan Yuntian thinks that the risk is too great, and it should be avoided no matter what.

"It's true, there is unpredictable uncertainty in price reductions, and no one can guarantee what kind of results will be achieved, so we should be cautious. In addition, because the real estate market is extremely sensitive, if the price is reduced, the early buyers may raise objections, and there may be a series of chain reactions, which will bring more trouble to our work, which will be too much to lose. Guan Yuntian's mind has obviously changed.

"However, in the case of insufficient funds, it is necessary to actively participate in the land bidding in the provincial capital, and can not use the method of price reduction and promotion to return the funds.

Ye Jiayi seemed to have prepared an answer to this question for a long time, and she blurted out, "The funds needed to bid for land in provincial cities are financed from banks." ”

"Bank financing?" Lao Ding shifted his gaze to the other party.

"Yes, only from banks. On the one hand, there is still more than a month before the land bidding in the provincial capital, and the bank financing is completely in time; in addition, real estate and financial institutions are a pair of closely related relying relationships, and this juncture is the time for the bank to contribute; besides, the reputation of Changda Group in financial institutions is so good in recent years, and it is not a pity that such favorable conditions are not fully utilized?" Ye Jiayi said.

Guan Yuntian took over the topic, "Mr. Ding, because Changda Group's own funds are enough to maintain the operation of the enterprise, how long have we not dealt with financial institutions?"

"About two or three years, right?" said Old Ding.

"In addition to the accounting cashier of the finance department, if it weren't for Mr. Ye's reminder, we would have forgotten about the bank. Guan Yuntian then remembered that he was running around all day, entangled in affairs, and the shortest of his friends from financial institutions had not seen each other for more than half a year!

"Yes, everyone is busy, and no one wants to disturb each other. ”

"Mr. Ye's suggestion is very good, she has taken into account the favorable conditions and risks, I agree with the bank financing method, but from tomorrow, we have to seize the time to contact the financial institutions. Guan Yuntian's words are equivalent to the summary of today's meeting.

According to the division of labor, Guan Yuntian was responsible for liaising with the Agricultural Bank of China and the local city commercial banks and rural commercial banks, while Lao Ding, the chief financial officer, was responsible for liaising with ICBC and CCB.

In order to participate in the land bidding in the provincial capital, Guan Yuntian plans to raise 2 billion yuan from financial institutions, and is expected to raise 500 million yuan in the local branches of the three major state-owned commercial banks of the Ministry of Industry and Agricultural Construction, and the local banks will be halved.

For a long time, Changda Group has established a good relationship with the above-mentioned banks, and has large deposits and huge turnover business in various financial institutions, coupled with Changda Group's good reputation in the financial industry and Guan Yuntian's extensive contacts, such a financing goal is not set high, as long as Guan Yuntian and Lao Ding work hard, it is not difficult to complete the financing task.

Although the leaders of the local rural commercial bank and the city commercial bank are no longer old friends that Guan Yuntian made before, Guan Yuntian has established a good personal relationship with them soon after these new leaders took office, and Changda Group has always supported their work. When Guan Yuntian proposed financing plans to two local financial institutions, they received a positive response from each other.

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At about nine o'clock in the morning on Saturday, Guan Yuntian dialed President Liu's mobile phone, and the phone was connected, "President Liu, this weekend, are you resting at home or going out?"

"Mr. Guan, it's you! I'm neither at home nor out, the unit is a little trivial, and I work overtime in the office. Receiving Guan Yuntian's call, President Liu was slightly surprised.

"I have to work overtime on weekends, so busy, did I bother you by calling?"

"It's just an hour of work, and it's almost done, and it doesn't bother me. ”

"If there's nothing else to do after that, I'll go to the office to find you, we haven't seen each other for more than half a year, right?"

"There's nothing else, if you don't call, I'll be ready to go home when that's done. Come here. ”

At around ten o'clock, Guan Yuntian pushed open the door of President Liu's office, and after entering the house, he put two catties of the best "Shifeng Longjing" on his desk.

Governor Liu was not polite, and put two exquisite paper bags in the corner next to the chair, "Aren't you busy working in the provincial capital?

Guan Yuntian sat down on the single sofa diagonally opposite, "The affairs of the provincial city are managed by a special person, and I can't always stay in the provincial capital, and there are a lot of things in the company's headquarters." ”

Lao Liu got up and poured a glass of boiled water for Guan Yuntian and put it on the coffee table next to him, "Yes, after all, you are the chairman of Changda Group, and there are many things in the company without you, and others have no right to make decisions." ”

"This is only one reason, now the impact of the international financial crisis on the domestic economy has been revealed, which is a huge test for business operations, requiring our management to assess the situation and make a correct judgment on the situation, from this aspect, it also requires me not to stay away from the decision-making center for a long time. "Guan Yuntian said.

"Yes, the financial crisis has had varying degrees of impact not only on enterprises, but also on finance and capital markets. How is it, is the business of Changda Group in all aspects normal?"

"Except for the decline in the sales of commercial housing, the impact on other aspects is not great. ”

"To what extent is the project in the provincial capital progressing now? When is it expected to open? I heard that it is a business center. "Because I haven't met Guan Yuntian for more than half a year, Lao Liu is hearsay about Changda Real Estate's business in the provincial capital.

"That's the unfinished project of taking over another unit, which has more things, and it is also the main reason why I ran more diligently to the provincial capital some time ago, the original unit has built the basic framework, and we took over just to continue to build, and then renovate inside and outside, and finally attract investment. It will take at least a year and a half from now to complete the project. "Guan Yuntian said.

"Yo, it's a big deal, as soon as I arrived in the provincial capital, I set up a business center. ”

"What a big deal! This is a project that we operated by the way before we officially launched our business, and Changda Real Estate entered the real estate market in the provincial capital, and the goal was not here. ”

"Otherwise, you are a person who does things, has a plan, has a goal, and is never blind. As an old friend, President Liu has a very good understanding of Guan Yuntian's work style and work ability.

"However, this business center, coupled with the impact of the financial crisis, also made us a bit passive, and I would not have taken over this unfinished project. "Guan Yuntian said.

"Why are you passive?What are you referring to?" It was the first time in these years that Lao Liu had heard Guan Yuntian speak in such a tone.

"Didn't I say it, Changda Real Estate Company stationed in the provincial capital, the target is the real estate market in the provincial capital, you know, Changda Group's own funds are enough to maintain the normal development of the company's various businesses, but taking over this business center, it cost us seven or eight billion dollars, again

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Coupled with the financial crisis, the real estate market has weakened, and the return of funds has slowed down, and the company's own funds are stretched thin if it wants to acquire land in the provincial capital. ”

"No, the two factors are superimposed, and the situation is different. It seems that when you meet me today, you have nothing to do but go to the Three Treasures Palace?" Lao Liu knew that a busy person like Guan Yuntian could not spare a day and a half to chat with anyone, of course, from Guan Yuntian's words, he could also hear some clues.

"Governor Liu, you guessed it, I came to you today to talk to you about financing. Guan Yuntian said bluntly.

"Looking for us for financing? It's about to become a new thing for Changda Group, you haven't taken a loan from us for at least four or five years, right?"

"Not only you, ABC, but also other financial institutions have not taken out loans in recent years. ”

"I know that when we have enough funds to keep the business running, who wants to take out a loan? After all, if you take out a loan from any financial institution, you have to pay interest. "Governor Liu is an old financial man, and he has a very good understanding of the relationship between banks and enterprises.

"What about the loan amount in the bank now? Is there any difficulty in the one-time loan amount of 500 million yuan? "Guan Yuntian said.

"Don't you know? The financial crisis also has an impact on us, for other units, the amount of 500 million is absolutely not satisfied, but Changda Group is our gold medal customer for many years, and we have not borrowed money here in recent years, although such a large loan amount needs to be approved by the city bank, but I think the possibility of approval is basically a certainty. "Governor Liu is equivalent to giving a package ticket.

"If I say that, I'm relieved. Every time I ask you to do something, no matter whether there is a difficulty or not, you are so happy, I am really touched. This is Guan Yuntian's heartfelt words.

"Hey, you are different from other business owners, and Changda Group is different from other companies, to be honest, I will lend you money, which is reassuring. At any time, banks take risk control as the first priority, and now implement differentiated interest rates, for gold customers like Changda Group, I think the loan interest rate you enjoy will be the most favorable. ”

"President Liu, then please! I haven't drunk with you for a long time, today is the weekend, it's not a taboo to drink at noon, let's find a place to drink?"

"We ----, you know the amount of alcohol I have, and I can't accompany you at all. ”

"If you think that the two of us are not having a good time, just get all your men, I haven't seen them for a long time, and we just happened to meet together at noon today. ”

"Look if they're not at home. As he spoke, Lao Liu grabbed the landline phone on the table and stripped several numbers one after another, and it is not difficult to see that this President Liu is also an easy-going person and gets along well with a group of deputies.

After putting down the phone, Lao Liu told Guan Yuntian, "I didn't expect that several of them were at home, it seems that you are also very close to them." ”

"Wouldn't it be better to be able to gather? President Liu, it's not too early, you set a place, and then let's go there." ”

Ten minutes later, Guan Yuntian and President Liu arrived at the hotel, before 12 o'clock, the five vice presidents of the Agricultural Bank of China also arrived, there was a new vice president, Guan Yuntian did not know, Lao Liu made an introduction, the guest and the host took a seat.

During the greetings, Vice Governor Jiao, who was in charge of credit, said: "Mr. Guan, it's not easy to see you!" This may sound like a complaint, but it is also true.

"President Jiao, I'm really sorry, because of the entangled affairs, I haven't seen the leaders often in the past few years, but it's definitely not intentionally alienated, it's really a lack of skills, and I also ask the leaders Haihan. ”

Lao Liu took the opportunity to coax, "It's okay, Mr. Guan will accompany you to drink a few more glasses in a while, everything is in the wine!"

(End of chapter)