It was clear to onlookers that accountant Li had a clear view of the problems existing in the exquisite packaging company, and he hated the company manager Lao Feng a little bit. "Perhaps I heard someone's advice, and I pulled a few scrap cars from outside a few days ago."

Paper, that kind of waste paper cannot be directly used as raw material for packaging boxes. I really don’t know what Lao Feng wants to do.”

"Sister, there's no need for you to be angry. The worst thing you can do is not work at Jingmei Company." Fang Xiaomei's friend advised.

"Yeah, I'm an accountant, why should I worry about that? But the packaging industry is indeed special. If you say it is a sunset industry, sometimes it can still be popular for a while, but you have to regard it as a sunrise industry. As long as

An expert can make waves in the industry by posting a discussion in the media." It seems that Accountant Li has a lot of affection for Jingmei Company.

"Is it possible that Manager Feng is dumping waste paper? Did he see that the price of waste paper is rising, and he wants to store it and wait for the price to rise sharply to make a fortune?" Fang Xiaomei analyzed.

"Maybe, but even if he has such an idea, it is still a speculative behavior with ample funds. I think at least he does not have that kind of financial strength at the moment. Maybe it is temporarily stored in his company by others."

At this point, all the information that needs to be inquired about has been clarified. The only thing left is to accompany him to finish the meal. 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 everything she learned. Guan Yuntian was shocked after hearing this, "Ouch! Fortunately, we were cautious, otherwise we would have fallen into a trap.

Got it!"

After Fang Xiaomei left, Guan Yuntian called Lao Chang's office number, "Brother, the people from the Exquisite Packaging Company didn't call you, did they?"

"No. What, have you found out their true situation?"

"I have inquired clearly. The situation is very bad. Fortunately, we are very cautious in doing things, otherwise we would be in trouble." Guan Yuntian said.

"I just said that the company was not that good, so giving them three million would be a lot." Lao Chang felt lucky for his decision.

"It's not just bad? It's very bad! Now all that's left of this beautiful company is an empty frame, its assets and land have been mortgaged long ago, and the employees haven't been paid for several months!" Guan Yuntian said angrily.

"What do you want to do?" Faced with such a situation, since Guan Yuntian was involved in the matter, Lao Chang had to seek Guan Yuntian's opinion.

"Stop it first. Even if it's three million, I won't give it to him."

"However, I have already visited Jingmei Company and informed them that I can lend them three million. How should I reply to them next? Even if I don't take the initiative to contact them, their manager Feng will come to me sooner or later."

Chang Dao.

"Yes, find a way to prevaricate him first, but we can't let him know that we are secretly inquiring into their company's inside story. This loan must be reconsidered." Guan Yuntian said.

"How about not giving it to him at all?"

"We can't refuse so simply. It's best not to give them a loan, but also to make them feel that we didn't refuse it on purpose. After all, the face of Deputy Director Guo of the County Planning Commission still needs to be taken into consideration."

"Prevarication can only be dealt with in a short time. I'm afraid it won't work for a long time. If the other party asks, how should I explain it?" Even though Lao Chang has worked in the financial field for decades, he is still the first to face such a situation.

Therefore, he is not as experienced as Guan Yuntian when dealing with difficult problems.

Lao Chang's worries are not unreasonable. Guan Yuntian thought for a moment, "How about this? You start with the guarantee, stick closely to the guarantee conditions, and don't mention a word about his company's problems."

"What should we do if the other party finds a qualified guarantor?"

"As for the situation of Exquisite Packaging Company, I think it is difficult for them to find a suitable guarantor. I have a deep understanding of the business over the years. When the business is booming, a group of friends will surround you. If you have any needs, they will rush to provide it to you.

help,

I'm afraid you didn't see him. If the company is in trouble, once these so-called friends sense it, they will take the opportunity to withdraw. Even if you invite them to drink, they will find various excuses to avoid you. People are so realistic. Now it's beautiful

The company is in a situation where I can’t see how many of their bosses have real friends.” Guan Yuntian analyzed.

"No wonder, who is willing to jump into the pit!" Lao Chang said.

"In addition, I really hope that Jingmei Packaging Company can find a guarantor that meets the conditions. In that case, we can safely and boldly grant them loans without worrying about risks. If Jingmei Packaging Company cannot repay, there will be a guarantor to repay it for them.

We don’t have to be afraid of anything. Besides, we can also give my friend, Deputy Director Guo of the County Planning Commission, a satisfactory explanation. Why not?"

The next few days were very quiet. There was no news from Jingmei Packaging Company, which made Lao Chang feel abnormal. Just as he was muttering in his heart, the phone on his desk rang, "Mr. Chang, this is Lao Feng from Jingmei Company."

, are you in the unit?"

"I'm at work, what's wrong with Manager Feng?" Lao Chang asked knowingly.

"I'll visit you later."

"Hey, there's no need to visit. If you have anything, please talk on the phone."

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

"Let's talk? Okay, then you can do it." The other party came to the door, and Lao Chang couldn't push it any further.

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 opened the door and came in.

"You came so quickly. Can you just go here after you put down the phone?" Lao Chang leaned slightly and motioned for Lao Feng to sit on the chair opposite him. "How about I make you a cup of tea, Biluochun?"

In terms of attitude, Lao Chang is obviously a little cold.

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

"Boss Feng is so laid-back?" Lao Chang certainly knew the purpose of the other party's visit. He had nothing to say.

"How can I be so leisurely? Mr. Chang, I would like to ask when the loan from the Exquisite Packaging Company will be finalized?"

Since Lao Feng did not take the initiative to mention his previous promise of three million, it means that the other party no longer takes it seriously, but depends on the effect of Deputy Director Guo of the Planning Commission to find Guan Yuntian, which Lao Chang understands

Therefore, he pretended that he had not said that, "Your loan application report has been discussed. The company has a lot of things these days, so I haven't had time to tell you yet."

"Oh----, 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 have discussed your application report and agree in principle to provide you with a loan, you must provide a suitable guarantee unit!"

"Guarantee unit----, oh, do intermediaries like you also have strict guarantee requirements?" To be honest, Jingmei Company was rejected by all formal financial institutions just because it could not find a suitable guarantor.

In addition, Lao Feng did not expect that Changyuan Intermediary Company also had strict guarantee requirements.

"How fresh are these words! Although we are a private financial institution, we must abide by the general principles of financial institutions. Otherwise, how can we control risks? You must know that the funds of our intermediary companies are the company's own money, and the procedures can be simplified

, the procedure can be shortened, but the risks must be strictly controlled." Lao Chang said seriously.

Old Feng hesitated for a while, "Mr. Chang, I can find a guarantor, but what are your criteria for meeting the 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 situation of the guarantee company."

Lao Feng had a headache when it came to looking for a guarantee agency. The purpose of finding Changyuan Intermediary Company was to take shortcuts in the guarantee process. Unexpectedly, this agency also paid attention to this issue.

"Mr. Chang, can we make some changes?" Lao Feng came up with a plan.

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

"Interest in exchange for security."

"This is the first time I have heard this statement. Please explain it."

"I will increase the interest in exchange for your tolerance in the guarantee process."

"This..., I can't make the decision. We are a joint-stock company. Unconventional operations like this need to be discussed with shareholders." This kind of prevarication is reasonable and reasonable.

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

"Why is that so? In fact, in order to support the development of enterprises, financial institutions have now relaxed guarantee conditions, and enterprises are allowed to guarantee each other."

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

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

"Let me tell you this, if a company that is bigger or better than yours is stronger and looks down on you, it will naturally be unwilling to provide mutual protection with you. If a company is not as good as yours, it would rather form a mutual protection relationship with you, and you

You're afraid that if he collapses that day, it will affect you. This is a bit like a young man looking for a partner. It's easier said than done!" Lao Feng said bitterly.

"Well, the situation you mentioned does exist in reality, but most companies eventually find guarantees. I think the key depends on the strength of the company and the credibility of the boss."

Seeing that Lao Chang did not agree on the spot, Manager Feng could only say angrily: "Mr. Chang, how about you study my proposal of exchanging interest for guarantee with the shareholders, and I will find a guarantee company when I go back?"

"That's fine, you and I should work hard."

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

"Interest for guarantee? What does that mean?"

"It seems you haven't heard of it. It's the first time I've heard of it. I've learned a lot today." Lao Chang said.

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

"Manager Feng from the Exquisite Packaging Company just left my place. He stayed here for more than half an hour. It was he who proposed the idea of ​​exchanging interest for guarantee."

"What does he want to do?"

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

"So that's what it means! You didn't agree, did you? This is just a trick to lure the other party to take the bait. Even if you increase the interest several times, even if you deduct the current year's interest when lending, as long as you agree to give him a loan, he will still be willing

I accept your conditions. However, there is basically no possibility of recovering the loaned funds." Guan Yuntian is such a smart person, how could he hide this little trick from him.

"How could I agree to such an important thing casually? Especially since we already knew the inside story of Jingmei Company, and when I heard what Lao Feng said, I became even more vigilant. At that time, I rejected his suggestion and told him that he wanted to

There is no problem with the loan, so hurry up and get a guarantee.”

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

"Indeed, during our conversation, he talked about how difficult it was to find a guarantee. He didn't even treat me as an outsider and even told me the truth."

Guan Yuntian also encountered similar problems in the early days of starting a business. Although he did not like Lao Feng and the exquisite packaging company, he deeply sympathized with the difficulties faced by a large number of small and medium-sized enterprises. "What Lao Feng said is relatively common in society.
Chapter completed!