Although there was no rehearsal beforehand, Guan Yuntian and Deputy County Magistrate Song cooperated quite well. As soon as Deputy County Magistrate Song mentioned related topics, Guan Yuntian immediately expressed his bitterness. He first mentioned the bad debt of the beautiful packaging company some time ago.

deal with.

"Nothing is easy. If you encounter a loan fraud with a clear purpose like Xinglong Company, if you don't have some means, won't the lent funds be unable to be recovered?" Deputy County Magistrate Song said.

"This is not to show merit in front of a few leaders. Since the establishment of our platform, it has indeed solved many financing difficulties for small and medium-sized enterprises and individual industrial and commercial households in the county. Judging from the business that has occurred, the vast majority of people still take care of themselves.

In terms of credibility, I have carried out one or two hundred businesses in more than a year. The real risk of bad debts is only as high as it was some time ago, but that one incident is enough to make people remember it deeply." Guan Yuntian said.

Director Ma of the Finance Office is also interested in this topic, "Mr. Guan, how do you avoid risks when doing business? You must know that your customers are not qualified for loans from formal financial institutions."

"There is no other shortcut, just rely on our service staff to be diligent with their legs, mouth and eyes during the process of inspecting customers. That is to say, take the trouble to run more times, ask more questions and see more during the inspection process, so that there are real flaws.

As long as enterprises or self-employed people do three things diligently, they can always see some clues." Guan Yuntian explained.

"This puts forward higher requirements for the staff's sense of responsibility. In this case, how did the bad debt happen last time?" Director Ma wanted to know what happened to that strange thing.

"To be honest, our staff had discovered signs of risk before the business occurred. At that time, a friend came forward to intercede. In order to save face for that friend, we approved the loan based on luck."

"In order to take care of my friend's face, I ended up with a bad debt. What did your friend say in the end?"

"What are you talking about? He also regrets it, but he just said something for a friend and has nothing to do with the loan. Can I find him? In the end, it cost a lot of money to trace the assets and funds of the guarantor.

Jincai recovered the principal of the loan." Guan Yuntian said.

After hearing this, Deputy County Magistrate Song said: "Look, when it comes to financial issues, friends should never talk casually. Otherwise, if something goes wrong and you can't control it, it will cause a lot of trouble to others. This is a lesson."

.”

"Yes, we have established such a platform. When faced with friends, especially leaders of certain functional departments, we are really helpless. If we don't give the leaders face, we offend our friends. If they give face, they push us into a kind of situation.

An embarrassing situation. Every penny borrowed from Changyuan Intermediary Company is our own real money. If we say we don't feel sorry for it, it would be a lie."

"No matter what method he uses, as long as the bad debts are dealt with without breaking the law, you should be happy. Come, let's drink to Changda Group's near miss!" Deputy County Magistrate Song proposed with a toast.

Putting down his glass of wine, Deputy County Magistrate Song turned sideways and said to Director Fan: "Private enterprises have their own difficulties. Of course, the supervision of functional departments cannot be relaxed, but they should not be too demanding. After all, standardized management requires a process, and they are in a state of spontaneity.

, even for an enterprise like Mr. Guan who pays great attention to policies and regulations, minor mistakes in work are inevitable. Criticism and education are essential. But as long as it is not a matter of principle, please show your support if you can let it go. Director Fan, don’t you think so?

?”

Lao Fan knew the purpose of this dinner very well, and he heard clearly the meaning of Deputy County Magistrate Song’s words, “County Magistrate Song is in charge of the county’s industrial economy and always takes into account the difficulties of enterprises.

and need to install

In my heart, I always think about the company, which has taught me deeply that we will consider the situation of the company on a case-by-case basis as long as it does not violate the principles."

Director Ma, who was the guest of honor, took the opportunity to interject: "Director Fan, in order to promote local economic development and create a slightly more relaxed financing environment for the majority of small and medium-sized enterprises and individual industrial and commercial households, Mr. Guan and the Changda Group have taken the lead in their work.

In front of us, in a sense, Changda Group has played a role in promoting our work. As a government financial office, we are happy about this and should thank them for their creative measures. For Changda, which mainly focuses on traditional manufacturing

As a group company enters the financial industry for the first time, it is inevitable that some mistakes will occur in its work. Strengthening supervision in the future will play a role in preventing the slightest mistakes."

Lao Fan can take a submissive attitude towards Deputy County Magistrate Song's words, because Deputy County Magistrate Song is not in charge of finance, but he cannot turn a deaf ear to the words of Director Ma of the Government Finance Office, even if he and Director Ma have the same administrative level.

He needs to coordinate the relationship with the local government, and he must get the cooperation of the government's financial office. Therefore, Lao Fan must give Director Ma the face.

"Director Ma, I am very touched by your feelings for the company, but I don't mean to make things difficult for anyone. You have all said that Changda Group is the leader of the local economy. How can we embarrass them? The Financial Office is the local government.

As a bridge with financial institutions, the Banking Regulatory Bureau is willing to do its best for local economic construction."

"What a dedicated person! Come, let's respect Director Fan together!" Deputy County Magistrate Song suggested.

"How dare you be County Magistrate Song, Fan? Let me respect you all, and please forgive me if I offend you!"

Guan Yuntian walked up to Lao Fan holding the cup and leaned very close, "Director Fan, Yuntian is young and has not considered the problem well. He will definitely learn a lesson in the future. Look at our fine...?"

"Hey, I just said it casually, do you really take it seriously? It's unnecessary to mobilize troops and mobilize people, Mr. Guan!"

"I blame you for thinking too much. Thank you Director Fan. I respect you!" After saying that, Guan Yuntian and Lao Fan raised their glasses.

At around eight o'clock the next morning, Lao Chang received a call from the Banking Regulatory Bureau, asking him to get his business license. He told Guan Yuntian the news, "What, has the problem been solved? He asked me to get my business license, but he didn't say anything."

Do you want to pay the fine?" Lao Chang asked doubtfully.

"Didn't they tell you nothing else when they asked you to get your license back?"

"I didn't say anything. I just asked him to get the license."

"Then just go. They didn't mention it, so let's not ask. But you can bring two kilograms of fine tea and two high-end cigarettes and put them in Lao Fan's office." Guan Yuntian ordered.

At around three o'clock in the afternoon that day, Lao Chang came to the office of Director Fan of the Banking Regulatory Bureau. When he entered the room, he put the gifts he brought with him on the table and said, "Director Fan, I'm here to get the business license of Changyuan Intermediary Company."

"Oh, it's right here with me. You can take it. Uh, what is this?" Lao Fan asked, pointing to the bag on the table.

"Two pounds of tea, this year's new tea, please keep it for Director Fan to drink." After saying that, before Lao Fan could react, Lao Chang left the office with his business license.

...

Unknowingly, it had been a year since he invested in Hongyuan Company. Guan Yuntian received a call, and the other party invited Changda Group Company to send representatives to S City to attend the annual shareholders' meeting and discuss dividend matters.

The last time I went to the south for an on-the-spot inspection, the company's financial director Lao Ding was unable to go with him because it was in time for the company's financial and tax inspection. This time to attend the shareholders' meeting, Guan Yuntian decided to send Lao Ding to attend.

A few days later, Lao Ding successfully returned from the south after attending the shareholders' meeting of Hongyuan Company and brought back a dividend of two million.

"We invested 10 million shares and received 2 million in dividends that year. Hongyuan Company is so generous!" After listening to Lao Ding's report, Guan Yuntian said with emotion.

"The CEO of Hongyuan Company discussed with me and mobilized us to increase investment capital. Does Mr. Guan think there is a need for additional investment?" Ding Xiangqian asked.

"Mr. Ding, you are here in person this time. What is your impression of this Hongyuan company?" Guan Yuntian did not directly answer Lao Ding's question.

"What aspects is Mr. Guan referring to?"

"For example, company management, business scale, and how far is our financing project now? I guess the other party will also arrange for you to watch it on site."

"It's close to Hong Kong, and people generally pay attention to face. The overall impression given by the management is that the factory environment is very good, and the work seems to be in order, but this is only what can be seen. The scale of the company is not small, but I

I felt that the construction work was insufficient. I asked them about this issue, and the other party said that they determine production according to sales. The few days I went there were in the off-season. We have invested in the health care product project. It is said that it is being built and produced at the same time. The current production

It has not reached a quarter of the designed scale," Lao Ding said.

"Mr. Ding, don't look at the two million dividends for now. Based on what you have observed, do you think it is necessary for us to increase our share capital?"

"It's really hard to say. The people at Hongyuan Company seem to be real managers, but they seem to be a bit foggy about the project itself."

"We are all in the business. Hongyuan Company's health care product project is still under construction and production at the same time. It invested 10 million at the beginning and received 2 million in dividends that year. What does Mr. Ding think of this matter?

"

"It is absolutely impossible to expect their products to generate such high profits. After all, we are early shareholders, so it is understandable for the other party to do so. I guess they have two purposes, one is to retain us, and the other is to

I hope Changda Group will invest additional capital," Lao Ding analyzed.

"It is precisely because of this that I am not at ease with them. Is this a fishing strategy? The first two million bonus is the bait. By the time we bite the hook, I am afraid it will be too late!"

Old Ding lowered his head and thought for a moment, "It's possible. Let's consider this matter in the long term."

A few days later, Guan Yuntian received a call from a friend in Beijing. After picking up the call, he found out that the caller was Director Liang of the planning department who was in charge of importing raw materials.

"Mr. Guan, the refined oil market is very good now. Is your production going smoothly?" the other party asked with concern.

"Thank you, Director Liang, for your concern. Our petrochemical plant is now at full capacity. Thanks to your help in importing raw materials, the raw materials are now guaranteed and production can proceed normally."

"Don't worry, don't worry about it. Otherwise, the policy on imported raw materials has been relaxed now, and the indicators are not as tight as in the past few years. Mr. Guan, haven't you visited that Hongyuan company in the south this year? Listen.

They say they are doing a good job, you have invested money, and you have to care about the progress of the project!"

Guan Yuntian knew the point of this call, "Director Liang, our representative has just returned from Hongyuan Company and has some understanding of the situation there."
Chapter completed!