In order for the economy to develop, it is necessary to have adequate financial security.You can't wait until you have the money to do anything.In the county, there is no need to worry about farmers not paying back.Don't pay it back?
The cooperative can directly recover the collateral such as tractors and resell them again, and there will be no bad debts and bad debts."
This mode of operation sounds good, but no one has ever done it" Lu Hongtao was a little worried, "the county finance can't come up with much money" The cooperative has no money.Everybody knows that.Otherwise, after the peasants sell their grain every year, they will not just open a slip and turn the money that should be given to the peasants into a cooperative's deposit figure."
It doesn't take much upfront.People who buy tractors must be doing it to make money.Repaying it every month not only allows the cooperative to recover some of it, but also makes the repayment pressure of those who take out loans to buy tractors be less stressful.After all, if you repay some, you will have less interest.The county can even hand over some transportation business to them, so that even if they can't repay the loan, the cooperative won't lose anything."
Those billionaires with a net worth of tens of billions or hundreds of billions, who do not have tens of billions or even more loans?
Of course, they are not personal loans, but corporate loans."
Of course, this also requires the buyer to make a down payment first" When it comes to these issues, Liu Chunlai is completely the head.The more Lu Hongtao and the others listened, the brighter their eyes became.The county wants to develop, and there is a lack of start-up capital.According to Liu Chunlai, there is no need to invest too much in the early stage, hundreds of thousands are enough.Tianfu Machinery Factory produces more, there will be more taxes; At the same time, there will be a large amount of income from taking out loans.It can completely revitalize the economy of the entire county.As for lending to people in other counties?
That will be for later."
The county finance does not have much money to dispatch, and this year's expenditure has increased a lot, especially the construction of a deep-water wharf and other projects in Castle Peak Commune, and the funds for the expansion of the power station have to be prepared."
Bao Yong didn't have any joy, but looked at Liu Chunlai with an unhappy face.This kid is going to make trouble.The county's fiscal revenue has not increased much, and the expenditure is in the millions at every turn.Just rely on the income of farmers in the county?"
County Magistrate Lu, if it continues like this, the debt owed by the county will not be repaid for decades in the future" Bao Yong had to remind Lu Hongtao.In the past, Ye Ling was the deputy director, and because of the relationship between the two, Lu Hongtao made many decisions, and the Finance Bureau could oppose them.Lu Hongtao looked at Liu Chunlai with a bitter face, and Xu Zhiqiang just smoked and didn't say a word.They were waiting for Liu Chun to convince the people from the Finance Bureau."
For the initial start-up capital, we can borrow 500,000 yuan in the name of the brigade."
Liu Chunlai estimated the funds in his hands and the current strength of garment factories and furniture factories to recover funds.To develop, Tianfu Machinery Factory must have a new model."
That's not necessary.The question we should be thinking about now is not whether to borrow money or not.If you want to borrow money, you can borrow a part from the Agricultural Bank of China," Bao Yong shook his head.It's not a question of money anymore.Liu Chunlai also knows that it is not a matter of money.It was far easier for the county government to raise funds than he was."
Director Bao, I know your concerns."
Liu Chunlai sighed, "At present, not only our county finances, but all local finances in the country are short of money.In this case, there are only two options: open source and cost reduction.If it's just throttling, how much money can our county save?
”Bao Yong was silent.The new deputy director, Xie Hua, like other members of the Finance Bureau, was silent at first.For Liu Chunlai, the people in the Finance Bureau did not have a good impression.It is true that Liu Chunlai provided more income, but in order to provide Liu Chunlai with support, the county has a funding gap of more than 30 million yuan just with the current preliminary budget.What's more, if Liu Chunlai helped the county get 30 million US dollars in foreign exchange, the county finance bureau would need to raise at least 60 million soft girl coins for Liu Chunlai.Even the funds rewarded by the state have to be given to Liu Chunlai.Forex is not free.There was a dollar foreign exchange before, and Peng County and Shancheng Light Industry Bureau each split half, which required the Peng County Finance Bureau to raise at least 1.5 million funds first.Finally, forex is used to buy things.1.5 million in cash, which has to be given to Liu Chunlai's Chunyu Company, everyone knows that Liu Chunlai did not take this money for nothing, but this money must be made up by the Finance Bureau, and it cannot be used yet.Since Liu Chunlai appeared, the pressure on the entire Peng County Finance Bureau has increased sharply.Reducing expenditure is the main method they are currently adopting.If you can throw it away, the county finance naturally doesn't want to continue to pay salaries.Open source, how to open source?
Everyone looked at Liu Chunlai and didn't say a word."
If you want to develop anywhere, you can't do financial services without banks.Borrowing from a bank, because of policies and other reasons, it is difficult for individuals to borrow too much.Large items such as tractors belong to the means of production, but they are different from the original ordinary farm tools, such as the means of production" Liu Chunlai does not know much about the bank loan policy in this era, but he probably still understands it.Sometimes I listen to his wife Yang Aiqun chatter, the interest is too expensive.So after he gave the money, Yang Aiqun didn't do anything, and repaid the bank loan first.Liu Fuwang sometimes speaks a few words.A commune like Happiness Commune that can borrow hundreds of thousands of dollars is unique in the county.After all, this is the poorest commune.If you don't take out loans, you won't be able to pay the state's grain tax and local co-ordination money, and the county finance will not be able to settle your accounts.The same is the debt of money, and the loan owed to the cooperative is different from the debt owed to the superior unit, and interest must be paid."
Abroad, commercial banks play a big role.The short-term or long-term development of most enterprises, if you want to raise funds, it is not very easy, and enterprises can not issue bonds at will, the country is now encouraging all localities to explore the development model, we can take a bigger step," Liu Chunlai's purpose is actually very clear.Start a bank!
And it's also a commercial bank.Only in this way will it be easier to develop in the future.Of course, now the state does not have a policy in this regard, and if you want to run a bank, you can't get a business license at all.Isn't that impossible?
There is a way.As long as there is the endorsement of the county treasury, everything is easy.Even, Liu Chunlai wants to tie the finances of Peng County to the development chariot of his own enterprise."
There's no precedent for this, and we're running a bank in a county, isn't it too much?"
Lu Hongtao was also frightened by Liu Chunlai's idea.His lover turned out to be the deputy director of the Finance Bureau.He doesn't know anything about finance, but he knows a little about it.The state will not allow a county-run bank.There is no precedent to follow.Xu Zhiqiang's eyes lit up, "Isn't this just to expand the role of cooperatives!"
In the past, some of our projects lacked funds, didn't they also raise funds through cooperatives?
”The county has its own bank!
That's the first of its kind in the country."
Yes, in fact, this is also based on the role of cooperatives to improve, we can apply to the city for a part of the development funds, and at the same time ask the higher-level chief unit to arrange some personnel with strong professional ability to strengthen management," Liu Chunlai said more and more.In the eyes of Bao Yong and the others, there was even some fear.What does Liu Chunlai want to do?
If something goes wrong with the bank, what's the deal?"
Of course, at the beginning, we couldn't apply for the establishment of a bank, and we could use the model of special funds to carry out exploration experiments" Liu Chunlai also felt that the more he talked, the more outrageous it became.It's not a good thing to have an idea that is too obvious.The steps are too big, and it is easy to pull the eggs.You can't make a fat person by eating it in one go.Let's go through other ways first.In this case, the county finance department stepped forward, and it is not considered a violation, after all, the local government can apply to the competent unit for the issuance of local bonds when carrying out large-scale projects."
Our county can't complete the task of national bonds every year, and if we issue local bonds again, the higher authorities will not approve it."
Xie Hua directly objected, "Especially the expansion of hydropower stations, and is currently applying to the province for the issuance of 30 million construction bonds" Hydropower station expansion directly apply for 30 million construction bonds?
The county is fast enough.Can the province approve it?
The Pengxian Hydropower Station has not been expanded for a few years."
That's not a big problem, when we went to the province to bid for various approvals of joint ventures a while ago, I found relevant leaders with the mayor about this matter" Xu Zhiqiang glanced at Liu Chunlai.Liu Chunlai was stunned, what does this have to do with him?
The 30 million expansion of the hydropower station that has been built is not at all.Xie Hua couldn't say.Secretary Xu opened his mouth to refute himself."
Actually, there is no need to raise funds this time, especially in the early stage, I heard from Director Chen that the county intends to equip each commune with a tractor.If this is the case, the cooperative can directly give the money to the account of the machinery factory in the credit union," Liu Chunlai meant obviously.He doesn't care how the county operates.Anyway, if you don't see Qian, don't want a tractor in the county.If the county wants to meddle in production and other things, then it is just right, and the machinery factory will return it to them."
Or, according to what you said, the county will give a part of the money first, and then settle a sum of money to Tianfu Machinery Factory every month?"
Lu Hongtao directly learns and puts it into practice."
Isn't it good for the county treasury to give directly to the cooperative?
We invested more than 200,000 yuan in Tianfu Machinery Factory before, and this money will not be recovered for the time being.The money from the sale of tractors must be settled by the supplier, and at the same time, it must continue to invest in R&D and production capacity.The leaders of Tianfu Machinery Factory were also a little excited when they heard Liu Chun say that not only would they not withdraw the more than 200,000 yuan they had invested before, but also would continue to invest.In the past, when the county was in charge, most of the profits were collected.As a result, the machine factory has not developed much for so many years."
Still investing?
Tractors have not yet been listed," Xu Zhiqiang wondered why Liu Chunlai was in a hurry to invest in the research and development of new technologies.Investing in production, understandably.