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Text 1064 If you have money, you are the boss

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    On the contrary to Wu Feian, Han Jinxin, the president of the flower shop, is pitifully thin. With his thin limbs, long neck, and wearing a pair of myopic glasses, he looks like a mantis wearing clothes.  Although Han Jinxin looks unimpressive, the flower bank Hongzhou Provincial Bank he leads is the strongest among the four major commercial banks.  "President Wu's speech just now also represents the opinions of our four banks. Although the establishment of a loan guarantee company can promote the economic development of Hongzhou Province and significantly increase the bank's deposit and loan balances, after all, establishing a loan guarantee company requires a certain amount of funds. According to  Judging from the specific situation of Hongzhou Province, it is obvious that it does not have this ability. "What Han Jinxin said is very reasonable. If you want to borrow from the four major banks, you must have a certain amount of collateral, and banks are very strict in this regard.  They are very cautious, after all, they are money dealers, not businessmen.  If the mortgage company goes bankrupt, the bank will have no choice but to take back the assets and auction them off. Every year, banks will suffer huge losses because of this kind of thing.  Although the loan guarantee company was established by the provincial government, it also needs to deposit a certain amount of guarantee money in the bank. If Hongzhou Province wants to borrow the 800 billion they need, it must deposit at least 2000 billion in the bank.  As everyone knows about Hongzhou Province¡¯s current financial predicament, it relies on huge financial subsidies from the state to survive. Recently, the relationship with the Ministry of Finance has become very tense. This is tantamount to asking for financial subsidies from above.  The road was also blocked.  The loan of more than 70 billion owed by Qianqian has not been repaid, and it wants to borrow another 800 billion. I don't know what the Hongzhou provincial government is thinking.  Fu Qiangsheng knew the meaning of Han Jin's words. In the past, Fu Qiangsheng would still talk to Xiao Xin, but now he is no longer like this.  Isn¡¯t it just that more than 70 billion loans have not been repaid?  Isn¡¯t it necessary to deposit a deposit of 200 billion in the bank in advance?  What a big deal.  "Over the years, the four major commercial banks have made great contributions to the economic development of Hongzhou Province, and the Provincial Party Committee and Provincial Government will never forget it. At present, the new five-year development plan of Hongzhou Province has begun to be implemented, attracting investment from Huayuan City  More than 2,100 projects attracted investment have entered the comprehensive construction stage, and the real economy is also showing signs of recovery. If it can get support from banks, I believe that the economic development of Hongzhou Province will be faster. " Wu Feian said.  Curse your lips, who can't tell big words, but how can it be so easy to get a loan? This is real money, and it can't be blown out by just talking a few big words.  Han Jinxin had long seen what the four bank presidents were thinking. She slowly picked up the tea cup and took a sip, and then said: "In order to raise construction funds, we have thought of many ways. From the current point of view, these methods are still effective.  It is very effective. I can tell you responsibly today that the provincial finance is not as embarrassed as before. "The presidents of the four banks have long known that as soon as the new provincial governor took office, the Huadu City where he used to work would be affected.  70 billion yuan of free support was provided, and more than 40 billion yuan of taxes were recovered from the auction of 17 coal mines. Although the financial distress situation has improved, the 111 billion yuan has a huge impact on the population of more than 70 million people.  As far as states and provinces are concerned, it is really not of much use.  With such a small amount of money, it is undoubtedly a drop in the bucket to complete more than 800 billion infrastructure projects.  Even if all this money is deposited in the bank as a guarantee, the maximum loan can only be 500 billion.  "Governor Fu, it is indeed a good thing to establish a loan guarantee company. If the provincial government can deposit 200 billion in guarantee funds in our four banks, we can go to the head office to help you find a way." Wu Feian is saying this  When he said this, there was a look of contempt in his eyes, which meant that if you can deposit 200 billion, we can find a way for you, otherwise there is no need to discuss anything.  "Does President Wu's words represent your four banks?" "President Wu's words can completely represent our four banks." Han Jinxin and the other two presidents echoed in succession. They also believed that the provincial government could not come up with anything.  200 billion, although they have 111 billion, but without the national financial subsidy, they cannot support the huge civil service team with their current pitiful financial income.  The 111 billion will be spent soon.  "Okay, happy," Fu Qiangsheng put down the cup in his hand: "Since the four banks have this attitude, the next thing will be much easier to handle. On behalf of the provincial government, I am now expressing my position to you. In order to obtain 8,000 yuan from the bank,  For a loan of 100 million, we decided to first deposit a guarantee of 6 million to each bank. In addition, we must also pay off the 70 billion loan owed over the years. The condition is that the four banks must follow our instructions.  The loan guarantee company provides guarantees and allocates funds to the lending units in a timely and full amount. "Each bank deposits 60 billion, which is 240 billion for four banks, and repays another 70 billion in loans, which adds up to 3,000.  1? 100 million, where did the provincial government get so much money?  Did the new governor ask for money from the central government again?  But why haven¡¯t I heard Minister Lu from the Ministry of Finance talk about this matter?  Looking at Fu Qiangsheng's face, he didn't seem to be telling lies. The dignified deputy governor couldn't make such vulgar jokes, right? The four bank presidents looked at me and I looked at you.  Know what medicine Fu Qiangsheng sells in his gourd.  In fact, this cannot be blamed on the fact that the presidents of the four banks are not informed. The key is that the auction of fifteen key urban construction projects just ended yesterday afternoon. Although some people know that these projects have been sold, the amount of money sold has not been disclosed to the public.  It was announced that except for Jin Shuai and a few of his assistants, no one else understood the situation at all.  "Governor Fu, it is indeed a happy thing that the provincial government can repay the 70 billion in loans it has owed over the years and provide another 240 billion as loan guarantees. It seems that the central government is  Hongzhou Province¡¯s support is sparing no effort.¡± Fu Qiangsheng shook his head: ¡°There are many places where the central government spends money, and it is impossible for Governor Jin to give us so much money at the governor¡¯s office meeting.  We have repeatedly emphasized that we must rely on our own efforts to improve the economy of Hongzhou and we must not lend our hands to others. You must have heard that Governor Jin has a golden finger that turns stone into gold.¡± I saw the presidents of four banks.  Looking confused, Fu Qiangsheng smiled and said: "Since you all support the establishment of a loan guarantee company, shall we discuss the specific matters?" The four bank presidents exchanged glances, and Han Jinxin said: "The establishment of a loan guarantee company is in  Coastal economically developed cities have mature experience. We just need to copy it and make slight modifications." Fu Qiang Sheng smiled: "This work must be carried out quickly. When will the cooperation agreement between us be signed?  The funds will be transferred to your bank. In addition, no less than 700 billion will enter the provincial finance account in the next few days. I hope you can provide convenience. " "Ah" Wu Feian said in surprise: "Seven.  Thousands of billions of funds? Where did such a large amount of funds come from? "Is 700 billions of funds a lot? In fact, the reason why we established this loan guarantee company will continue to happen.  , mainly considering that you have helped the provincial government in the past. In the words of Governor Jin, I want to help you get rich together. In fact, we do not need your loans at all, and we can completely improve the economy of Hongzhou Province.  Governor Jin took this approach because he wanted to adopt economic laws and strengthen the supervision of loan units. "The four bank presidents who had been arrogant in front of Fu Qiangsheng's Shen Xinjun also lowered their arrogance at this time.  In their heads, the reason why they felt good about themselves before was because the provincial government begged them. Now they have such a large sum of funds. Not only have they paid off the 70 billion loan they owed before, but they also have to deposit two yuan in the bank.  In addition to the 140 billion guarantee deposit, there is still so much money in the financial account that needs to be deposited in the bank. Hongzhou Province¡¯s finances are no longer difficult. If you pretend to have a sense of superiority in front of others, then  It's so ignorant.  "Governor Fu, we want to know whether the 700 billion yuan is deposited in one bank, or in all four banks? If it is deposited in four banks, what is the proportion?" It turns out that the four banks have joined forces to deal with the province.  The government, now seeing that the provincial government has money, wants to add more deposits to its own bank.  What Han Jinxin said proved that there was already a rift between them. Although it cannot be said that they are unjust for their own benefit, how many of them are unmoved in the face of benefit?  Shen Xinjun, the director of the Department of Finance, who has been pretending to be his third grandson in front of the bank president, is really happy. If you have money, you are an uncle. Today we will also enjoy the feeling of being an uncle.
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