Ye Jiayi's reminder made Guan Yuntian alert. Even if the price is reduced and promoted, there is still uncertainty in the time and amount of funds being withdrawn. If he wins the land bidding in the provincial capital, but the funds here cannot be received in full and on time, it will be troublesome.

That’s big!

If Changda Real Estate breaches the contract during the land auction in the provincial capital, which will only affect the company's reputation, 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 believes that the risk is too great.

, to be avoided at all costs.

"Indeed, there are unpredictable uncertainties in price reduction promotions. No one can guarantee what kind of effect it will achieve, so we should proceed with caution. In addition, because the real estate market is extremely sensitive, if the price is reduced rashly, early home buyers may raise objections.

, maybe there will be a series of chain reactions, which will bring greater trouble to our work, and it will be too much of a loss." Guan Yuntian's thoughts have obviously changed.

"However, when funds are insufficient, we must actively participate in land bidding in provincial capitals, and we cannot use price reduction and promotion methods to withdraw funds. After talking for a long time, how to raise the large funds required for land bidding?" Lao Xue asked this question.

, naturally has something to say.

Ye Jiayi seemed to have prepared an answer to this question a long time ago. She blurted out, "The funds needed to bid for land in the provincial capital will be financed from banks."

"Bank financing?" Lao Ding turned his eyes to the other party.

"Yes, we can only get financing from banks. On the one hand, there is still more than a month left before the land bidding in the provincial capital, and bank financing is fully available in time; in addition, real estate and financial institutions are inherently closely linked and dependent on each other. At this juncture,

"It's time for the bank to contribute; besides, Changda Group's reputation among financial institutions has been so good in recent years, wouldn't it be a pity not to make full use of such favorable conditions?" Ye Jiayi said.

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

"It's been about two or three years, right?" Old Ding said.

"Except for the accountant and cashier in the finance department, if Mr. Ye hadn't reminded us, we would have almost forgotten about the bank." Only then did Guan Yuntian remember that he was running around all day long and was busy with affairs.

We haven’t seen each other for over half a year!

"Yes, everyone is very busy, and no one wants to disturb each other if nothing happens."

"Mr. Ye's suggestion is very good. She has taken into account both the advantages and risks. I agree with the bank financing method. However, starting from tomorrow, we must seize the time to contact financial institutions." Guan Yuntian said these words.

, which is equivalent to a summary of today’s meeting.

According to the division of labor, Guan Yuntian is responsible for contacting the Agricultural Bank of China and local city commercial banks and rural commercial banks, while financial director Lao Ding is responsible for contacting ICBC and China Construction Bank.

In order to participate in the land bidding in the provincial capital, Guan Yuntian plans to raise RMB 2 billion from financial institutions. It is estimated that local branches of the three major state-owned commercial banks in the Industrial and Agricultural Bank of China will raise RMB 500 million each, with local banks halving the amount.

For a long time, Changda Group has established good relationships with the above-mentioned banks. It has large deposits and huge turnover business in various financial institutions. In addition, Changda Group has a good reputation in the financial industry and Guan Yuntian's extensive contacts. In this way,

The financing goal is not set high. As long as Guan Yuntian and Lao Ding work hard, it will not be difficult to complete the financing task.

Although the leaders of local rural commercial banks and city commercial banks are no longer the old friends Guan Yuntian had made before, Guan Yuntian established good personal relationships with these new leaders not long after they took office, and Changda Group gave them great support for their work.

Support as always. When Guan Yuntian proposed financing plans to two local financial institutions, he received positive responses from each other.

President Liu of the Fuyuan County Branch of the Agricultural Bank of China is an old friend of Guan Yuntian. Around nine o'clock on Saturday morning, Guan Yuntian dialed President Liu's mobile phone and the call was connected, "President Liu, are you resting at home this weekend, or are you going out?

"

"Mr. Guan, it's you! I'm neither at home nor out. There's something small at work, so I'm working overtime in the office." After receiving Guan Yuntian's call, Manager Liu was slightly surprised.

"You have to work overtime on weekends. You're so busy. Am I disturbing you by calling you?"

"It's only an hour's work. It's almost finished. It didn't bother me."

"If there is nothing else after this, I will 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 me, I'll be ready to go home after this. Come here."

Around ten o'clock, Guan Yuntian pushed open the door of President Liu's office, entered the room and placed two kilograms of the best "Shifeng Longjing" on his desk.

Manager Liu was not polite and placed two exquisite paper bags in the corner next to the chair. "Aren't you busy working in the provincial capital? When did you come back?"

Guan Yuntian sat down on the single sofa diagonally opposite, "The matters in the provincial capital have been left to a dedicated person to manage. I can't always stay in the provincial capital. There are a lot of things going on at the company headquarters."

Old Liu stood up and poured a cup 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. There are many things in the company without your presence, and other people have no right to make decisions."

"This is only one reason. Now the impact of the international financial crisis on the domestic economy has become apparent. This is a huge test for business operations. It requires 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 Yuntiandao.

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

"Except for the decline in commercial housing sales, other aspects have little impact."

"How far is the project in the provincial capital now? When is it expected to open? I heard it is a business center." Because he had not met Guan Yuntian for more than half a year, Lao Liu only heard about Changda Real Estate's business in the provincial capital.

.

"It was an unfinished project that I took over from another unit. There were a lot of things involved, and it was also the main reason why I traveled to the provincial capital more frequently some time ago. The original unit had already built the basic framework. We took it over and just continued the construction, and then built it internally and externally.

Renovation is the last step to attract investment. From now on, it will take at least one and a half years for the entire project to be completed," said Guan Yuntian.

"Oh, what a big deal. As soon as we arrived in the provincial capital, we built a business center."

"What a big deal! This is a project we did by the way before we officially started business. Changda Real Estate is entering the real estate market in provincial capitals, and the goal is not here."

"You have plans, goals, and are never blind when doing things." As an old friend, President Liu knows Guan Yuntian's work style and work ability very well.

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

"Why are you so passive? What are you referring to?" This is the first time in these years that Lao Liu has heard Guan Yuntian speak in this tone.

"Didn't I say that Changda Real Estate Company is stationed in the provincial capital, targeting 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 will cost a lot of money.

Lost our 7.8 billion capital, and then

In addition, the financial crisis has weakened the real estate market and slowed down the return of funds. If we want to acquire land in provincial capitals, the company's own funds will be stretched thin."

"Isn't that right? When the two factors are superimposed, the situation will be different. It seems that when you meet me today, you will go to the Three Treasures Hall for nothing?" Old Liu knew that a busy man like Guan Yuntian could not spare time.

Who to chat with for half a day? Of course, you can get some clues from Guan Yuntian's words.

"President Liu, you guessed it right, I came to you today just to talk to you about financing issues." Guan Yuntian said bluntly.

"Looking to us for financing? It has almost become a new thing for Changda Group. You haven't loaned money to us for at least four or five years, right?" Old Liu said.

"Not only your Agricultural Bank of China, we also have no loans from other financial institutions in recent years."

"I know this. Who is willing to take out a loan when their own funds are enough to maintain the operation of the company? After all, you have to pay interest when taking a loan from any financial institution." President Liu is a veteran in finance, and he knows a lot about the relationship between banks and enterprises.

through.

"How is the loan limit in the bank now? Is there any difficulty in getting a one-time loan limit of 500 million yuan?" Guan Yuntian said.

"Don't you know? The financial crisis has also had an impact on us. If we switch to other units, the 500 million quota will definitely not be enough. But Changda Group has been our gold customer for many years and has not loaned money to us in the past few years.

Although such a large loan amount needs to be approved by the municipal bank, I think the possibility of approval is basically a certainty." President Liu is almost sure of it.

"If you say this, I will feel relieved. Every time I come to you to do something, no matter whether there are difficulties or not, you are so happy, which really touches me." These are Guan Yuntian's heartfelt words.

"Hey, you are different from other business owners, and Changda Group is different from other companies. To be honest, lending money to you makes people feel at ease. At any time, banks take risk control as their top priority, and now they implement differentiation

Interest rates, for gold medal customers like Changda Group, I think the loan interest rates you enjoy will be the most favorable."

"President Liu, I'll leave it to you! I haven't had a drink with you for a long time. Today is the weekend. It's not against the rules to drink at noon. Can we find a place to have a drink?"

"We----, you know my drinking capacity, I can't stay with you at all."

"If you think it's not fun for us to be drinking, just call in all your men. I haven't seen them for a long time, so we just happened to meet together at noon today."

"See if they are at home." As he said this, Old Liu grabbed the landline phone on the table and dialed several numbers one after another. It is not difficult to see that 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 all of them to be at home. It seems that you have a close relationship with them."

"Wouldn't it be better if we could all get together? Mr. Liu, it's getting late. You can find a place and let's go there."

Ten minutes later, Guan Yuntian and President Liu arrived at the reserved hotel. Before twelve o'clock, the five vice presidents of the Agricultural Bank of China also arrived one after another. There was a new vice president who Guan Yuntian didn't know. After Lao Liu introduced him,

, the guests and hosts take their seats.

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

"President Jiao, I'm really sorry. Because of my busy schedule, I haven't met with the leaders very often in the past few years. But I don't intend to alienate you. I'm really busy with my duties. Please forgive me, leaders."
Chapter completed!