Spring Breeze 1991

Early the next morning, Yao Yuan called Lin Xiaohu and others, and drove the truck to escort the payment to the Agricultural Bank branch.

As soon as Gao Jian came to the unit, he saw a truck parked in front of the business store. When he was wondering, he suddenly saw Yao Yuan sitting on the co-pilot in the cockpit.

Yao Yuan jumped out of the car, and strode forward with a smile, "President Gao, I've brought you money."

"Repayment? It's still early, wait, 70...you...you have it?" Gao Jian was very surprised, and suddenly remembered that outside is not a place to talk, so he said quickly, "Talk in the room."

Yao Yuan asked Lin Wei to take the money and get out of the car. Lin Wei came down with the box in his arms, looking around with a sly look, and those who didn't know thought he was trying to steal the money, which made Yao Yuan very angry.

After entering the business store, Gao Jian, who had been staring at the box, said nothing. Lin Wei put it on the counter and opened it, revealing a large box full of money.

Gao Jian's eyeballs were about to pop out, he had read countless money, and he knew it must be more than 100 million at a glance!

Out of the corner of his eye, he saw two men with unfriendly faces hovering at the door, he felt a little bit in his heart, and quickly said, "Put it away."

Yao Yuan said, "Don't worry, it's mine."

Only then did Gao Jian heave a sigh of relief, and quickly said, "Come here, 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, "I dumped a batch of electronic watches and completed the transaction without any risk."

Like a mirror in his heart, he knew that Gao Jian was worried about the source of the money, but he was too embarrassed to ask.

Gao Jian took a closer look, and was completely relieved. He noticed that the buyer was Xilin Farm. Thinking of Yao Yuan's No. [-] car coming to Xilin Farm before, he believed in the "fact" that Yao Yuan was the leader's son of the Farm Management Bureau. up.

"Boss Yao, if you want me to tell you, you don't need to waste any sugar anymore, just doing the business of Xilin Farm is good enough." Gao Jian led the two into an independent reception room.

The current bank business department does not have a reception area for major customers, and the reception room has become a place to discuss business with major customers.

Call for tea.

Yao Yuan said, "Relying on the mountain depends on everyone running, and relying on yourself is the most reliable."

"That's true." Gao Jian admired Yao Yuan's insight and asked, "Repay the loan in advance?"

"No." Yao Yuan said, "Deposit it in my personal account first, and then transfer it to the company account after my company is up and running. The loan will be repaid according to the contract."

He pointed to 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, just how about today, I will take Comrade Lin Wei on a trip, and it will be done today." Gao Jian patted his chest and assured the ticket.

He is the vice president of the Nangang branch of the Agricultural Bank of China, and he personally takes care of the procedures. Any department or agency will give face, and he will definitely give the green light all the way.

Yao Yuan smiled and said, "I have prepared all the materials, so I will trouble you, President Gao."

Yao Yuan probably couldn't imagine how excited President Gao was.Because of the triangular debt problem, the bank's reserve quota is getting heavier and heavier. He is the vice president in charge of business, and it is almost the end of the year, so he is already very angry. I didn't expect Yao Yuan to send 100 million all at once!

No matter which bank the money is taken to, Yao Yuan will definitely be a hero in need of help!

Moreover, because of the triangular debt problem, the bank's loan business has been tightened in an all-round way. Now it seems that the short-term mortgage loan he personally arranged for Yao Yuan must be a model, which is another plus point for his performance.

Gao Jian was glad that he didn't reject Yao Yuan at that time, otherwise such a high-quality and potential customer would fly away.He quickly adjusted his mentality, and he knew very well in his heart that he would offer Yao Yuan as his ancestor in the future, let alone running errands, he would not hesitate to do laundry and cooking!

Yao Yuan was not surprised by the great change in Gao Jian's attitude. He was also aware of the energy contained in a million dollars in this era.

Yao Yuan admired Gao Jian's courage. Judging from the loan matter, Gao Jian is a pragmatic and open-minded bank executive, and he has a certain vision.

You know, Yao Yuan didn't give gifts to find connections at the beginning. If Gao Jian hadn't had the courage, even if Yao Yuan was Director Li's own son, he would not have agreed.

That is a loan of 70 yuan, not 7000 yuan or 7 yuan!

After chatting about the business, a director of the sales department came in and took Lin Wei to go through various procedures in person.

Yao Yuan suddenly asked, "President Gao, there should be some closed small factories among your non-performing assets?"

"Of course there is. Although the focus of our Agricultural Bank is not on industry and commerce, we called for supporting the development of industry and commerce a few years ago. We also gave 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 factories for?"

Gao Jian sighed and said, "After the special working meeting on cleaning up triangular debts was held in August, the city set up a working group, and I was also a member of the group. Our task fell to me. This matter is quite troublesome."

"The root of cleaning up triangular debts is to solve the situation of corporate product retention, and other methods can only treat the symptoms but not the root cause," Yao Yuan said.

Gao Jian raised his eyebrows, "Do you have research in this area? Boss Yao, I know you are not an ordinary person. If you have a good opinion, please let me know."

"President Gao praised me." Yao Yuan said with a smile, "I have to apologize to you for something."

Gao Jian was taken aback, and asked with a smile, "It's too serious."

Yao Yuan said, "Actually, I'm not a cadre of any unit, nor an employee of a state-owned enterprise. I'm still studying at Xigong University. It's helpless not to 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 wry smile, "Unexpected, unexpected, really unexpected, it really is a hero born a boy. Xigong University? Is it Xihai University of Technology?"

"Yes." Yao Yuan smiled, "I'm still the number one student in the college entrance examination in Xihai County this year."

Gao Jian suddenly slapped his thigh, "My name always sounds familiar! So you are Yao Yuan, the examinee 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 issue of triangular debts and said, "Actually, at the working meeting on cleaning up triangular debts in August, the higher-ups had clear instructions on how to implement debt clearance. You know better than me about this. Set up special accounts and special management of special funds to avoid capital injections. into other channels. But that's not the most critical."

He paused, took a sip of tea and lit a cigarette.

Just for these words, if Yao Yuan didn't say it, Gao Jian would never believe that he is still a college student.

Yao Yuan said, "The key lies in the technological improvement of the enterprise. The main reason for the formation of triangular debt is that the product is unsalable, which occupies a lot of funds. In recent years, when something makes money, the enterprise rushes to it, only seeking short-term benefits, and the money is invested in expansion In terms of production, technological improvements can’t keep up. Over time, problems will arise, the market is saturated, the products are not competitive, and everyone’s things can’t be sold. Downstream factories owe money to upstream factories, and upstream factories owe money to banks. Downstream factories have not yet repaid their loans, and banks have refused to grant loans, thus forming an endless loop.”

"Boss Yao, you have seen the fundamental problem!" Gao Jian gave a thumbs up, admiringly.

He was just a college student, but he saw 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 the living money has become dead money. Once the money cannot be circulated, there must be something wrong."

"Banks use special funds to solve the triangular debt problem. They need to inject capital into enterprises. Enterprises use money to improve technology and pay workers wages, so that money circulates and consumption is promoted. Banks recover loans. After a while, the triangular debt problem will naturally be solved. 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 enterprise. Does he use the money for technological improvement or use it for other purposes? Is there no need for technological improvement? What is the prospect of the product after technological improvement?"

"All these issues need to be considered." Yao Yuan gave his own conclusion, "So, to clean up the triangular debt not only requires the government and banks, but also requires the participation of large companies with technology and a professional evaluation team."

Looking at the triangular debt issue from the perspective of a latecomer, Yao Yuan can point directly 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 marked in red.

Gao Jian was extremely shocked. He found that Yao Yuan's analysis was more thorough and easier to understand than many experts and professors.

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 involved in triangular debts.China's development started too late, and it was a race against time. If more potential enterprises could be left behind, the country's industrial development would be faster.

This is his inescapable mission as the reborn.

"Rise with my country", this is Yao Yuan's belief in this life.

Yao Yuan said, "However, it is necessary to weed out a group of companies with no technology and low technology content. This is also a process of survival of the fittest that must be experienced in development. It is impossible to rely solely on banks to cooperate with departments.”

Gao Jian kept nodding his head, slowly digesting Yao Yuan's words.

"President Gao, back to the question just now, I want to set up a factory, do you have suitable assets here?" Yao Yuan asked with a smile.

Gao Jian came back to his senses, stood up abruptly and went out, quickly brought over a stack of portfolios, and said, "These are from the urban area, if they don't fit, I'll bring the ones from outside the urban area."

Yao Yuan immediately chose, he only looked at the address, one by one familiar addresses flashed in front of his eyes, and the memories related to them 20 years later emerged in his head, his saliva almost drool.

The mortgage on the land opposite the customs building is only 50!

That is the future land king!