Early the next morning, Yao Yuan called Lin Xiaohu and others and drove a truck to escort the payment to the Agricultural Bank of China branch.
As soon as Gao Jian arrived at the unit, he saw a truck parked in front of the sales store. When he was confused, he suddenly saw Yao Yuan sitting in the co-pilot of the cockpit.
Yao Yuan jumped out of the car and strode forward to greet him with a smile, "President Gao, I've sent you money."
"Repay? It's still early. Wait, 700,000... you... you have it?" Gao Jian was surprised. He suddenly remembered that talking outside was not the place, and said quickly, "Let's talk in the house. Let's talk in the house."
"
Yao Yuan asked Lin Wei to get the money and get out of the car. Lin Wei came down with the box in his arms, looking around with a stern look. Some people thought he wanted to steal the money, which made Yao Yuan furious.
After entering the store, Gao Jian kept staring at the box without saying anything. Lin Wei put it on the counter and opened it, revealing a large box full of money.
Gao Jian's eyes almost popped out of his head. He had a lot of money, and he knew at a glance that there must be more than one million in it!
From the corner of his eye, he saw two unkind-looking people wandering at the door. His heart skipped a beat and he quickly said, "Put it away quickly."
Yao Yuan said, "Don't worry, that's my person."
Gao Jian breathed a sigh of relief and said quickly, "Come on, please come inside. Xiao Yao, oh no, Boss Yao, you really shocked me. It's only been a few days?"
Yao Yuan took out the voucher and handed it over, saying, "I bought a batch of electronic watches and completed the transaction without any danger."
He knew clearly in his mind that Gao Jian was worried about the source of the money, but he was too embarrassed to ask openly.
Gao Jian looked at it carefully and felt completely relieved. He noticed that the buyer was Xilin Farm. Thinking that Yao Yuan had come here in Xilin Farm's bus before, he became more and more convinced of the "fact" that Yao Yuan was the son of the leader of the Farm Administration Bureau.
Already.
"Boss Yao, let me tell you, you don't need to pour any sugar, just doing the business of Xilin Farm is powerful enough." Gao Jian led the two of them into a separate reception room.
Nowadays, there is no reception area for big clients in bank business departments, so the reception room has become a place for discussing business with big clients.
Recruit someone to bring tea.
Yao Yuan said, "The only way to rely on the mountains is to rely on everyone to run. The most reliable thing is to rely on yourself."
"That's true." Gao Jian admired Yao Yuan's insight and asked, "Repay the loan in advance?"
"No." Yao Yuan said, "Deposit it into my personal account first, and then transfer it to the company account after my company is established. The loan will be repaid according to the contract."
He pointed at Lin Wei and said, "So I have to register the company as soon as possible, and I need your help in this regard."
"No problem, how about today? I'll take Comrade Lin Wei for a trip and we can get it done today." Gao Jian affirmed, patting his chest.
He is the vice president of the Nangang Branch of the Agricultural Bank of China, and he will personally carry out the procedures. Every department and agency will give him face, and he will definitely give the green light to handle the case all the way.
Yao Yuan smiled and said, "I have prepared all the materials, so I'll leave it to you, Mr. Gao."
I'm afraid Yao Yuan can't imagine how excited Governor Gao is. Because of the triangular debt problem, the bank's targets for attracting deposits are getting heavier and heavier. He is the vice president in charge of business. It's almost the end of the year and he's already very angry.
Thinking of Yao Yuan sending one million at once!
No matter which bank this money goes to, Yao Yuan will definitely be a hero who helps in times of need!
Moreover, due to the triangular debt problem, bank loan business has been tightened across the board. Now it seems that the short-term mortgage loan he personally provided to Yao Yuan must be a model, which is another plus point for his performance.
Gao Jian was glad that he did not reject Yao Yuan at that time, otherwise such a high-quality and potential customer would have been lost. He quickly adjusted his mentality and knew very well that from now on, he would support Yao Yuan like his ancestor, let alone running errands, just doing laundry and cooking.
He didn't hesitate!
Yao Yuan was not surprised by the great change in Gao Jian's attitude. He also knew the power contained in a huge sum of 1 million in this era.
Yao Yuan admires Gao Jian's courage. Judging from the loan matter, Gao Jian is a pragmatic and open-minded bank executive. He has certain foresight.
You know, Yao Yuan didn't give gifts to seek connections at the beginning. If Gao Jian hadn't had the guts, even if Yao Yuan was Director Li's biological son, he wouldn't have agreed.
That's a loan of 700,000 yuan, not 7,000 yuan or 70,000 yuan!
After talking about business, the director of the sales department came in and personally took Lin Wei to go through various procedures.
Yao Yuan suddenly asked, "President Gao, your non-performing assets should include closed small factories or something like that, right?"
"Of course there is. Although the focus of our Agricultural Bank of China is not on industry and commerce, in the past few years, we called for supporting the development of industry and commerce. We also lent money to many factories. As a result, when the triangular debt broke out, a large number of factories closed down and the money could not be recovered at all.
We have a bunch of factories in our hands, we are a bank, what do you want the factories for?"
Gao Jian sighed and said, "After the special working meeting on cleaning up triangular debt was held in August, the city established a working group, and I was also a member of the group. The task of our trip fell on me. This matter is quite troublesome."
"The fundamental way to clean up triangular debt is to solve the problem of product retention of enterprises. Other methods treat the symptoms but not the root cause." Yao Yuan said.
Gao Jian raised his eyebrows and said, "Do you have research in this area? Boss Yao, I know you are not an ordinary person. If you have any insights, please feel free to teach me."
"President Gao praised me." Yao Yuan said with a smile, "I have to apologize to you for something."
Gao Jian was stunned for a moment, then asked with a smile, "Too serious to say so."
Yao Yuan said, "Actually, I am not a cadre of a unit or an employee of a state-owned enterprise. I am still studying at NPU. It was really helpless that I didn't tell the truth before."
This time Gao Jian was surprised.
After a while, Gao Jian came back to his senses, shook his head and sighed with a bitter smile, "I can't believe it, I can't believe it. It turns out that a hero is born in a boy. NPU? Is it Xihai University of Technology?"
"Yes." Yao Yuan smiled, "I am also the top scorer in the college entrance examination in Xihai County this year."
Gao Jian suddenly slapped his thigh, "My name always sounds familiar! It turns out you are the candidate Yao Yuan from Xihai County!"
His son is in high school, so he is very concerned about this situation.
After chatting on this topic for a while, the relationship between the two became closer.
Yao Yuan turned back to the triangular debt issue and said, "In fact, at the triangular debt cleanup work meeting in August, the higher-ups gave clear instructions on how to implement debt clearance. You know this better than me. Establish special accounts, manage special funds, and avoid capital injections."
Flow into other channels. But this is not the most critical."
He paused, took a sip of tea and lit a cigarette.
Just these words, if Yao Yuan hadn't said it, Gao Jian would never have believed that he was still a college student.
Yao Yuan said, "The key lies in the technological improvement of enterprises. The main reason for the formation of triangular debt is that the products are unsaleable and occupy a large amount of funds. In recent years, companies have swarmed on anything that has made money. They only seek short-term benefits and invest their money in expansion.
In terms of production, technological improvements cannot keep up. As time goes by, problems arise. The market is saturated, products are not competitive, and everyone’s products cannot be sold. Downstream factories owe money to upstream factories, and upstream factories owe money to banks.
Downstream factories can't repay their loans, and banks don't provide loans, creating an endless cycle."
"Yao...Boss, you have seen the fundamental problem!" Gao Jian gave a thumbs up and was filled with admiration.
I am just a college student, but I can see the root cause of the triangular debt at a glance.
Yao Yuan smiled and said, "To sum it up in one sentence, it's not that there is no money, but that living money has turned into dead money. Once money cannot circulate, there will definitely be problems."
"The banks allocate special funds to solve the triangular debt problem and inject capital into the enterprises. The enterprises use the money to improve technology and pay workers, so that money circulates and promotes consumption. The bank takes back the loan. After a period of time, the triangular debt problem will naturally be resolved.
has been solved."
At this time, Yao Yuan suddenly made a turning point, "However, the method is ideal, but the reality is skinny. The key lies in the company. Did he use the money to improve technology or use it for other purposes? What does his company have?
Is there no need for technical improvements? What are the product prospects after technical improvements?”
"These issues need to be taken into consideration." Yao Yuan gave his own conclusion, "So, cleaning up the triangular debt requires not only the government and banks, but also the participation of large companies with technology and the participation of a professional evaluation team."
Looking at the triangular debt issue from the perspective of a latecomer, Yao Yuan can go straight to the core issue, which is equivalent to lifting all the fog and allowing Gao Jian to see all the problems, and the key issues are all highlighted in red.
Gao Jian was beyond shocked. He found that Yao Yuan's analysis was more thorough and easier to understand than what many experts taught.
When Yao Yuan knew that Gao Jian was a member of the city's debt clearance team, he decided to help Gao Jian. Helping Gao Jian was equivalent to saving the fate of a group of potential companies that were deeply trapped in triangular debt. Huaxia's development started too late.
Time is racing, if we can retain more potential enterprises, the country's industrial development will be faster.
This is his unshirkable mission as a reborn person.
"Rise together with my country", this is the belief that Yao Yuan has established for this life.
Yao Yuan said, "However, it is necessary to eliminate a group of enterprises with no technology and low technical content. This is also a necessary process of survival of the fittest in development. It cannot be avoided and cannot be avoided. Therefore, it will take more to completely solve the problem of triangular debt.
Joint collaboration between departments cannot be achieved by banks alone."
Gao Jian couldn't help but nodded, slowly digesting Yao Yuan's words.
"President Gao, back to the previous question, I want to set up a factory. Do you have the suitable assets here?" Yao Yuan asked with a smile.
Gao Jian came to his senses, stood up suddenly and went out. He quickly picked up a stack of file bags and said, "These are from the city. If they are not suitable, I will bring the ones from outside the city."
Yao Yuan immediately chose. He only looked at the addresses. Familiar addresses flashed before his eyes. The memories related to them twenty years later came to his mind, and he almost drooled.
The mortgage for the land opposite the Customs Building is only 500,000!