As soon as time stepped into the door of Layue, the smell of the New Year on the street became stronger and stronger, and Ding Le received an unexpected invitation at home.

On the twentieth day of the lunar calendar, in order to solidly promote the economic development of Haizhou in 2009, the municipal government held a symposium on young entrepreneurs in Haizhou's non-public economy.

Since the beginning of reform and opening up, Haizhou has dared to boldly practice and vigorously develop the private economy. After 30 years of development, the private economy has become the main economic foundation of Haizhou, occupies an important position in the city's economy, and has won the reputation of "half of the country".

Last year, the financial turmoil swept the world, the economies of developed countries such as Europe and the United States fell into recession, and with the sudden decline in foreign trade orders and the tightening of bank credit, Haizhou's private enterprises, which have always been known for their export-oriented economy, were hit hard.

With the introduction of a series of national stimulus policies, the municipal government held a series of symposiums for entrepreneurs to gather their strength, this time the young entrepreneurs symposium, Haizhou City leader personally attended, deputy secretary of the municipal party committee, the head of the United Front Work Department presided over, the specifications exceeded any previous time.

In his speech, he hoped that young entrepreneurs would strengthen their confidence in development, bravely face difficulties and challenges, uphold the fine traditions of their fathers, vigorously promote the entrepreneurial spirit, accurately grasp the direction of development, and devote themselves to a new round of economic and social development in the city with a more energetic and promising attitude.

At the meeting, the big leaders made a temporary move and asked Ding Le to exchange speeches by name. Ding Le was a little caught off guard by the great leader's love, but he quickly adjusted his mentality and talked about some of his thoughts from the perspective of financial support for the development of real enterprises.

Looking at the officials of various government departments attending the meeting, Ding Leyu was not shocked, and boldly put forward a proposal - to speed up the reform of Haizhou's financial industry and vigorously support the development of private enterprises.

He said: "At present, the development of private enterprises is in trouble, of course, there are reasons for the enterprises themselves, but the government wants to help enterprises solve the difficulties and get out of the predicament, and it is far from enough to rely on the macro policy stimulus introduced by the state." ”

"Enterprises need sufficient financial support for business development, and local banks in Haizhou can play an important role in this regard. In practice, many private enterprises are unable to borrow from banks due to the lack of effective guarantee measures. ”

"The reason why the 'Wu Ying case' in Jiangsu and Zhejiang Province caused a sensation nationwide is not because of the financing dilemma of private enterprises reflected behind the case. At present, the official conclusion on this case has not yet been closed, and we put aside the rights and wrongs of this case itself, the problems behind this case are worth thinking about by the managers of our city. ”

Many of the young entrepreneurs attending the meeting today are the second generation of rich people who have succeeded them, and they are all people who are above the top, and when Ding Le began to speak, they did not take it to heart, and it was not until he mentioned the "Wu Ying case" that everyone paid attention to it.

The second generation is thinking that everyone is mixed in the private enterprise circle in Jiangnan, and the "Wu Ying case" has long been known, Ding Le dares to say on this occasion, the heart is really not ordinary!

Ding Le's bold speech aroused the interest of the big leader, and the big leader said amiably: "Mr. Ding's speech is very sharp, don't have a burden in your heart today, speak freely, your suggestions are very helpful to our work!"

With the affirmation of the big leader, Ding Le seemed to have taken a reassuring pill in his heart, and he continued with confidence: "If you want to vigorously support the development of private enterprises, you can't do without the support of local banks.

"First of all, taking advantage of the country's encouragement to deepen financial reform this year, the municipal party committee and municipal government will integrate our local corporate banks in Haizhou, reorganize and establish a government-led, larger-scale urban commercial bank, and fully support the development of private enterprises on this basis!"

Secondly, the government will take the lead in setting up a professional financing guarantee agency to provide guarantees for the financing of private enterprises, so as to solve the problem of lack of guarantee for the financing of private enterprises. The establishment of government financing guarantee institutions can also play a role in diversifying structural risks. The government-funded financing guarantee agency is not for profit, and it can help private enterprises lower the financing threshold while reducing the financing cost!"

"In the end, banks do not dare to lend to private enterprises, to put it bluntly, because of information asymmetry. On the one hand, the financial data provided by some enterprises themselves is not comprehensive, and it is difficult for banks to accurately judge the true situation of enterprises; on the other hand, it is not easy for banks to fully grasp the information of enterprises scattered among different government departments. Therefore, the government can use Internet technology to establish a big data support platform to break through the data barriers of finance, taxation, market supervision, social security, customs, justice and other departments, eliminate information silos, and provide information support for bank loan decisions!"

As soon as Ding Le's words came out, it immediately caused a shock in the venue, and officials from the National Development and Reform Commission, the Science and Technology Bureau, the Commerce Bureau, the China Merchants Bureau, the Financial Office, and the People's Bank of China attended the meeting today.

If you are a financial practitioner, I believe you will be familiar with these points that Ding Le said.

The establishment of a government financing guarantee agency and the establishment of a shared data platform proposed by Ding Le are exactly the measures that the government vigorously promoted a few years later. But at the moment, Ding Le's words and views are very novel.

As for the first suggestion, it is completely Ding Le's selfishness.

In 2003, the China Banking Regulatory Commission (CBRC) officially separated from the central bank, and the decade after the establishment of the CBRC was a golden decade for China's banking industry.

In June 2004, Tang Shuangning, then chairman of the China Banking Regulatory Commission, proposed: "The China Banking Regulatory Commission encourages city commercial banks to implement joint restructuring in accordance with market rules and voluntary rules on the basis of integrating existing resources. ”

In 2006, the China Banking Regulatory Commission (CBRC) promulgated the Measures for the Administration of Non-local Branches of Urban Commercial Banks, which clearly stated that "urban commercial banks that meet various regulatory requirements and reach the intermediate or above level of existing joint-stock commercial banks will be gradually allowed to operate across regions." ”

With the favorable window period, the development of urban commercial banks outside has been changing with each passing day in recent years, while the development of local banks in Haizhou is still in accordance with the rules.

In another time and space, in another two years, because a city commercial bank was named and criticized by the central leadership, the integration of city commercial banks and cross-regional operations were suspended, and Haizhou Bank would also miss the best policy opportunity for development.

In the ranking of the top 100 counties in terms of comprehensive competitiveness released by the Chinese Academy of Social Sciences, several districts and counties below Haizhou have been in the top 10 for many years. However, several local banks in Haizhou cannot even enter the top 30 in the country. It can be said that there is a serious mismatch between the strength of Haizhou's local banks and the level of regional economic development.

Today, Ding Le took advantage of the presence of the big leader and spoke out, hoping to attract the attention of the big leader.

After listening to Ding Le's suggestions, the big leaders fell into contemplation, and the young entrepreneurs who participated in the meeting invariably expressed their attitudes with warm applause.

It is not known whether Ding Le's views at the symposium were adopted by the big leaders, but they quickly spread among Haizhou's financial circles.

Even after Yu Jiankang heard it, he couldn't help but call to confirm the situation, and he said in admiration on the phone: "You are really amazing, no matter where you go, you can toss a lot of waves!"

Ding Le said innocently: "I'm also telling the truth, the development of Haizhou's financial industry in recent years has been too slow, and if you don't catch up, you will be abandoned by the times!"