Because Xinglong Rubber Products Company did not deal directly with Changyuan Intermediary Company, Lao Min didn't know the people in front of him, "Are you...?"

"We are from Changyuan Intermediary Company." Lao Chang took the initiative to step forward and shake hands.

"Changyuan Agency----? Oh, please take a seat." Manager Min had no impression of the word Changyuan, but he was no stranger to agency companies.

"Manager Min, we came to see you today because we want to discuss matters with you about the exquisite packaging company." Lao Chang said.

"What's wrong with Beautiful Packaging Company? Why do you want to discuss it with me?" Lao Min pulled up a chair and sat over. He obviously asked knowingly.

"The loan that Jingmei Company has with us is overdue, and the principal has not been repaid yet. We also cannot contact their manager Feng. I wonder if Manager Min has any news about Lao Feng?"

"I have no contact with their manager Feng. Who knows what he is busy with? You can't get in touch with me, and I may not be able to do anything about it." As he said that, Lao Min dialed the other party's number on his mobile phone, but the voice prompt failed to connect.

, "What is Lao Feng doing?" Lao Min said to himself.

"Manager Min, this loan expired ten days ago. We have contacted Manager Feng many times, but we have been unable to contact him. We believe that the loan of Jingmei Company has actually defaulted."

"Yeah, not being able to contact me is really a problem."

"In the case that Jingmei Company actually defaulted, we would like to ask Manager Min, how should this loan be handled next?"

"How to deal with it? You can't ask me this! If it doesn't work, just sue him."

"Of course it's easy to sue, but who wants to litigate unless it's a last resort? Besides, Xinglong Company is the guarantee unit for this loan. According to the prior agreement, we must first discuss with the guarantor." Lao Chang paid great attention to speaking in a measured manner.

Speak very tactfully.

"Discuss with me? My point is also to sue him."

"Whether you want to sue him or not is up to you. According to our prior agreement, once the loan defaults, we will only discuss it with you because you are the guarantor." Lao Chang was tepid, but his tone was very firm.

"Did I make a mistake as the guarantor? Why are you still relying on me now?" Lao Min has been in business for many years and has had many dealings with financial institutions. He is well aware of the guarantor's obligations, and it is pure to say such a thing

Just messing around.

"Manager Min, whether you are right or wrong for being the guarantor of Jingmei Company is entirely a matter between you and has nothing to do with us. When Lao Feng asked you to guaranty, it was probably voluntary for both of you. Now it is not our request.

I put the responsibility for loan default on you, because Xinglong Company is the guarantor and we can't find the party involved. According to the guarantee agreement, we naturally have to find you to discuss a solution to the problem." Lao Chang spoke unhurriedly, but his words were tight.

force.

"Xinglong Company is the guarantor, but we are not direct borrowers after all." Lao Min was still unconvinced.

"I have been working in finance all my life, and I am very familiar with the relationship between companies and financial institutions. Manager Min, let's not talk in circles. There are almost no business people who do not deal with banks. Anyone who has dealings with financial institutions does not

People don’t know what it means to guarantee for others. A smart person like you should naturally know better. Regarding the loan from Jingmei Company, our attitude was clear from the beginning. Only if they find a suitable guarantee unit can the loan be possible. In fact,

I just want to use this as a reason to reject them, who would have thought that you would be willing to come forward to vouch for Lao Feng?"

"Don't go too far, let's just talk about it, what are you trying to do with me?" Old Min couldn't stand it when he heard the other party revealed his past.

"Nothing, I just hope that Xinglong Rubber Products Company will fulfill its obligations as a guarantor." Lao Chang was also very straightforward.

Lao Min was silent for a while. In fact, he was mentally prepared. He knew that this day would come sooner or later. He loaned someone five million, but now he couldn't find a borrower. If he didn't find a guarantor, who could he look for?

"To fulfill the guarantor's obligation, we need to replace the semen

The American company repays the loan, that's the truth, but we are also short of funds now!" Lao Min poured out his bitterness.

Lao Chang thought that Lao Min had actually agreed with the obligations he would assume, so he spoke more politely. Although the other party had unshirkable responsibilities, as long as they acknowledged their obligations, they should be respected, "Since Manager Min said so, then we

I said goodbye. Five million is not a big sum of money for a large company like Xinglong Company. I believe that the company can repay the loan if it squeezes in any link."

After saying that, Lao Chang and the four of them left, without Lao Min wanting to stay.

Along the way, Lao Chang was thinking about one thing. Although Lao Min recognized his obligation, he also pointed out that the company's funds were tight. If he used this as an excuse to delay repayment for a long time, what should he do?

It was already noon when we returned to Changyuan Agency. After lunch, Lao Chang hurriedly reported the results of his trip to Xinglong Company to Guan Yuntian.

"What's the attitude of Xinglong Company?" Guan Yuntian asked.

“At first, I didn’t even want to take on the guarantor’s obligations.”

"Is Lao Min deliberately pretending to be crazy? How many years has he been borrowing money from the credit union? How can he not know the obligations of the guarantor? And he took away two million at that time, and there were still three million in counter-guaranteed assets in his hands

, this loan should be repaid by him!"

"After we argued hard, he later agreed to help repay the loan, but he said that the company's funds are tight now. I was thinking, if Xinglong Company only admits that he is obligated to repay, but delays it for a long time, what will happen to us?

What can I do?" Lao Chang said anxiously.

"If this happens, it means you have met a bad guy, and you can only go through legal procedures. There is no other way." Guan Yuntian said.

"Uh, Mr. Guan, I remember when I applied for the loan, didn't Deputy Director Guo of the County Planning Commission intercede? This time to collect the loan, why don't you go to him and ask him to persuade Lao Feng from Jingmei Company."

I often suddenly think of this trick.

"This has nothing to do with Director Guo! The current debt subject is no longer Jingmei Company. They actually only used the three million yuan of this loan. Now, the only assets used to repay the loan are valuable, including Lao Feng's store house.

, but this asset is in the hands of Lao Min of Xinglong Company. How do you tell Director Guo?" Guan Yuntian said.

"Then we can only go through legal procedures! However, this kind of lawsuit is time-consuming and troublesome. Even if we win the lawsuit, we don't dare to be too optimistic about the final implementation!"

Guan Yuntian pondered for a moment, "If there is no movement from Xinglong Company in a few days, just ask Lao Min directly, which one is more important, the five million loan or his Xinglong Rubber Products Company? A company that is entirely supported by loans from credit unions, I

I can’t believe that he is willing to block his own escape route!”

After repeated negotiations to no avail, Guan Yuntian instructed Lawyer Zhao, Changda Group's permanent legal counsel, to intervene in the matter and prepare to initiate a civil lawsuit against Xinglong Company. Of course, Exquisite Packaging Company was also a defendant of equal status.

After the trial evidence and court investigation, it was found out that Xinglong Company directly took 2 million from the loan and that Jingmei Company provided counter-guarantee. The court ruled that Jingmei Packaging Company and Xinglong Rubber Products Company lost the case, and Xinglong Company because of its guarantor

identity, and occupies two million of them, and also holds three million counter-guaranteed assets, and has the obligation to repay all loans.

After winning the lawsuit, the loan may not be recovered. Xinglong Company has been unable to fulfill its repayment obligations due to financial constraints. Even though it was used as a counter-guaranteed asset of Jingmei Company, when the execution court of the court went to seize it, it was discovered that it had been in the loan a few months ago.

Before that, the property rights of the three street-facing shops were mortgaged by Xinglong Company to a creditor.

Even though Xinglong Company had no intention of returning the two million cash they had taken directly, the execution court police found the company manager Lao Min. He led the investigators into the warehouse and said, "Please tell Changyuan Intermediary Company that I admit the debt, but I must

We don’t have any money, but we have products here, these motorcycle tires and electric tires, you can take them away, and I will ask the custodian and financial staff to come over and do the accounting.”

"Don't be too busy clearing

"Come on, what's the point of pulling your tires? We don't understand this stuff. We're performing official duties, so you have to ask your creditors if they want these items?" said the enforcement officer.

Changyuan Intermediary Company is a private financing institution. They cannot cash out these items at all. What they lend out is cash and what they get back is a pile of goods. Even if they are placed in the Changda Group, these tires are of no use. As a result, Guan Yuntian

categorically refused.

"Old Min, you are really cheating!" After learning about the situation, Guan Yuntian sighed.

"What should we do? Let's loan out five million in cash. We can't just give it to him for nothing, right?" Chang never had many ideas when it came to such difficult matters.

"Don't make any noise first and wait for my call."

No matter how shrewd Manager Min of Xinglong Company is, he is facing not only Lao Chang, but Guan Yuntian, chairman of the largest local private enterprise, to see what kind of tricks Lao Min can pull off.

Guan Yuntian personally visited Lao Sun, the director of the Associated Press, and asked him to impose certain sanctions and beatings on Xinglong Company in the name of the Associated Press.

Of course Lao Sun would give Guan Yuntian face, and he had to help him. Firstly, he and Guan Yuntian have been friends for many years. In addition, Changda Group has a large number of financial transactions with credit unions, and the interests of both parties are deeply intertwined.

According to Guan Yuntian's request, Lao Sun first had to figure out the current specific situation of Xinglong Company. This task naturally had to be completed by the manager in charge of Xinglong Company's credit business. For this reason, Lao Sun once again called Xiao Yin to his office. "Recently,

Do you still have contact with Accountant Wang from Xinglong Company?"

Xiao Yin didn't know what the director meant when he asked, "Accountant Wang? No contact. Since the last time we met, I haven't contacted him again because nothing happened."

"You should contact him again and find an opportunity to get together."

"Director, is something wrong?" Xiao Yin thought to herself, if nothing happens, there is nothing to get together with. It costs money to get together, and you won't reimburse me.

"I heard others talking about Xinglong Company. Their company may have some problems and contain certain risks. Xinglong Company is our customer, and we must pay attention to their movements at all times." Lao Sun said.

"Last time, Lao Wang said that their inventory was increasing, which occupied more working capital."

"These facts are obvious. There is no need to ask any more questions. If you make an appointment with Accountant Wang again, you will mainly ask about two things. First, ask him if he knows about the lawsuit between Xinglong Company and Changyuan Intermediary Company? About the counter-guarantee of Beautiful Packaging Company.

Assets, does he know what is going on? Second, you use the excuse that the bank is concerned about corporate risks and ask him what is the current financial situation of Xinglong Company? Let him tell you the truth." Lao Sun ordered.

That day was Friday, and Xiao Yin originally planned to ask Accountant Wang to have dinner, but Lao Wang wanted to socialize with Manager Min of Xinglong Company. He asked if it could be done after dinner, and Xiao Yin of course agreed.

At about 8:30 in the evening, Xiao Yin and Lao Wang arrived as scheduled. They sat down in a secluded area of ​​a coffee shop. "What would you like to drink?" Xiao Yin asked.

"In a coffee shop, if you don't drink anything else, you have to drink coffee. Let's have a cup."

“Instant or freshly ground?”

"If you can't get used to the taste of freshly ground food, try the instant version."

A few minutes later, the waiter brought two cups of instant coffee and placed them in front of the two guests.

"The last time we met was a month ago, right?" Xiao Yin asked.

"Well, that's about it. Why did you think of meeting me again today?"

"Today is the weekend. Let's spend the weekend like people in big cities."

"You are a genuine white-collar worker. You are entitled to spend weekends. We work in private companies and we never want this kind of thing."

"What! You, the old accountant, are the real white-collar workers, and your income is higher than ours."
Chapter completed!