"Yuntian, our credit cooperative offices at the township level only have the authority to apply for hundreds of thousands. Your loan application for five million can be declared here, but all procedures must be handled by the county bank, not to mention approval.

I said it. Well, do you have any acquaintances in the county bank?" Lao Chang seemed to be thinking about Guan Yuntian as well.

"Brother, it's not like you don't know that I have only been in the industry for a short time. I have only interacted with you in the financial world in the past two years."

"Yes, this matter is quite difficult." Lao Chang was also very worried.

"Brother, in your line of work, I have a dark eye. I don't know anyone except you. You are an old employee and director of the credit union. Don't you have any contacts with the leaders of the county bank?" Guan Yuntian reminded.

"We have a superior-subordinate relationship. Of course we have contacts. However, it may not be that easy to ask them for this matter for you!" Lao Chang was very embarrassed.

Guan Yuntian not only saw Lao Chang's facial expression, but also heard something behind his words, "Brother, let me ask you, if we risk everything, based on your friendship with the leaders, is there hope for this matter?"

"Of course, everything depends on people. Nothing is absolute, but I want to remind you that if you deal with such a thing, I am afraid that two meals and two drinks will not solve the problem."

The meaning of Lao Chang's words was clear, and Guan Yuntian heard it clearly.

"Okay, as long as you say this, I completely understand what you mean. Whatever you think is better, just do it according to your ideas. There are some things that leaders may not want outsiders to be present. If I don't need to be present, I will do it.

If you don’t participate, you will have full authority to handle the matter, and I will provide logistical support according to your requirements.”

Guan Yuntian spoke more reservedly, but Lao Chang heard it very clearly. He knew that Guan Yuntian was going to fight against the odds and wanted to get things done.

"In this case, let me make another suggestion. It's not easy to ask for help anyway. Instead of spending five million, just apply for a ten million loan to avoid troublesome leaders in the future when you don't have enough funds or need working capital.

"Old Chang suggested.

"Thank you for reminding me, brother. You are right. You are only asking for help once, so just declare 10 million."

Thanks to the financial industry's policy support for the real economy in the early 1990s, through Lao Chang's matchmaking, Guan Yuntian paid a certain economic price.

)’s first and second leaders agreed to grant a loan of 10 million to the Campus Brick Factory for the construction of the company’s new projects.

For Guan Yuntian, project financing is only half successful when financial institutions agree to lend, because finding a guarantee agency is no less difficult than seeking support from financial institutions.

Guan Yuntian made an appointment with Lin Nan to meet and talked to her about the new project to be built. "Teacher Guan, you are so generous when you make a move!" Lin Nan was surprised.

"There is no other way. The situation is forcing us. Rather than being caught off guard by passively stopping the policy and not knowing when in the future, it is better to take the initiative in advance and seek new industry support."

"Okay, you are making long-term plans for the development of the enterprise."

"It's good, but the investment in new projects is relatively large. Although the bank has agreed to our loan request, the guarantee link has not been finalized yet."

"I don't know much about these financial matters. What are your plans or plans?"

"Teacher Lin Nan, can you go home and tell Uncle Lin that I would like to ask his unit to vouch for you."

Lin Nan not only did not refuse, but also agreed readily, "No problem, I'll go back and talk to him and ask his unit to help guarantee it."

After get off work that day, Lin Nan went directly back to her parents' home. "Why did Nan Nan come home?" her mother asked.

"I miss you. Come back and see you two. Why, aren't you welcome?" In front of her parents, Lin Nan will always be a child who will never grow up.

"If you say these useless words, who wouldn't welcome you? Just wait, dinner will be ready soon. It will be served when your father gets home."

Taking advantage of the opportunity of dinner, Lin Nan told her father about Guan Yuntian's request for guarantee. Lin Xueming smiled slightly after hearing this. He looked at his daughter, "Nan Nan, is this what Guan Yuntian told you?"

Lin Nan nodded and admitted.

"Guan Yuntian usually comes to our house to visit us when he has nothing to do, but now he doesn't come when something happens. Do you know why he doesn't come to our house to tell me in person?"

"Then you don't have to ask, I'm sorry."

"Yes, he was too embarrassed to tell me this in person. Nannan, do you know what it means to vouch for someone else? You are a Chinese teacher, and you probably don't understand finance. So let me tell you, guarantor for someone else

Guarantee is equivalent to lending him money." Lin Xueming explained.

"Guan Yuntian didn't say anything about borrowing money from your company!" Lin Nan didn't understand what he meant.

"It seems that I need to explain to you further. Why guaranteeing someone is equivalent to lending money to him? Because the bank has regulations. If the lender defaults, the guarantor is obliged to repay the principal and interest of the loan to the bank for him. Do you think this is quite right?

Why lend him the money? And he has no ability to repay it."

"Dad, your assumption is too far-fetched and made out of nothing. How do you know that someone can't repay the bank loan?"

"I'm not saying that Guan Yuntian will definitely breach the contract, I am saying that it is possible."

"Director Lin, aren't you experienced? Let me ask you, on average, how many defaults like the one you mentioned occurred among a hundred bank loans?" Lin Nan obviously disagreed with her old father's point of view.

Looking for a reason to refute.

"Well----, I can't say clearly. I think there are not many. If defaults happen from time to time, the bank's business will not be able to carry out business."

"Still! Why are you so worried about Guan Yuntian? It seems that he will definitely breach the contract in the future."

"Putting aside whether he will default in the future, Nannan, I haven't asked you yet, what does Guan Yuntian want to do when he applies for such a large loan?"

"He wants to switch to the production of cord fabric for tires."

"Aren't they the best in the county in the red brick industry? Why did they suddenly think of changing production when they didn't do anything to make money?" Lin Xueming also didn't understand.

"If you were the owner of another brick factory, brick-making is an industry that earns quick money and does not require credit. It would be good to be devoted to making bricks for the rest of your life. But Guan Yuntian doesn't think so. There is a saying that people who have no long-term worries must have short-term worries.

Guan Yuntian is a college graduate. He sees things differently from those country bumpkins. Last time someone reported them for destroying land resources, he had given it some thought. Some time ago, he heard that for the red brick industry, which consumes a large amount of high-quality clay, there are policy risks.

It was very big, and maybe it would be stopped by the government at some point, which gave him a bigger shock, and he made a decisive decision to switch production." Lin Nan explained.

“Is the brick-making industry just giving up?”

"Before the policy was stopped, he would continue to do whatever he had to do until the policy was stopped. During this period, he wanted to seize the time to make curtain fabrics."

"That's more or less the same. However, the brick-making industry does involve land resources. Risks are always present for such policy-related projects and enterprises. If the policy changes or tightens, some enterprises will have to close down with just a red-headed document.

When I came out of the government agency, besides flour mills, there were also fertilizer factories for me to choose from. At that time, the scale and strength of fertilizer factories were much stronger than those of flour mills. I just considered that the fertilizer industry is also related to policies, and flour

But it is a necessity for ordinary people to have three meals a day. No matter how the policy changes, people cannot stop eating. Fortunately, I did not choose to go to the fertilizer factory at that time. Otherwise, with the closure of the fertilizer factory in the past two years, I might be in a semi-retired idle job now.

Status." Lao Lin was proud of his correct choice.

"Do you also think it is necessary for Guan Yuntian to take this step?" Seeing that his old father's attitude had softened, Lin Nan asked.

"In fact, there are risks in running a business. The key is whether the operators have risk awareness, especially policy risks. Some people drive ships in waters full of rocks, but they think everything is smooth sailing, but they don't know that the ship may hit the rocks and sink at any time; some people

But they have a clear mind. No matter how good the business is, they don't dare to be careless. They always keep their eyes open. Once they find a reef, they will immediately drive the ship away from the dangerous area. Guan Yuntian's idea of ​​taking precautions and taking precautions before they happen is of course right," Lin Xueming said.

.

"Oh, it's not easy to get your affirmation. It would be great if Guan Yuntian was here to hear it in person. The problem is that you talked for a long time and affirmed his approach. I want to know, about the guarantee, what do you always say?

What's your attitude?" Lin Nan struck while the iron was hot and pressed forward step by step.

"Nannan, you have posed a big problem for me! I am sure of Guan Yuntian's approach, but I am not willing to provide him with a guarantee. I just think that this young man has a good sense in doing things, sees things in the long term, and is not blindly confident."

"Since you have a high opinion of him, why don't you want to vouch for him? You have to know that helping a promising young man is a great virtue for you!"

"What are the immeasurable merits? I am already so old, but I still care about these things!"

"I'm telling you a joke. After more than two years of contact, aren't you very good at judging people? From a character perspective, do you always think Guan Yuntian is worth helping?" Lin Nan started to talk about the old man from another angle.

Father's lobbying.
Chapter completed!