Among these financial institutions in Donghua, the city can also command the Donghua City Credit Union, which is related to the nature of the credit union.

Donghua City Credit Union was originally established by several municipal state-owned enterprises with better efficiency in Donghua City.

Although the main person in charge of the association is nominally decided by the members of the association, in fact the power to appoint personnel is still controlled by the city, so the city can basically use the city credit union as its own ATM when it wants to use the money.

The only headache is that the development of Donghua City Credit Union is a little slow, the scale is a little small, even with the strong support of the municipal government and municipal state-owned enterprises, the balance of deposits is about 300 million. Moreover, there were too many bad debts and bad debts in arrears before, and the amount of money that can be released next year will be only 40 or 50 million in the sky.

Many municipal-owned enterprises, whether they are maintaining production, expanding their production scale, or diversifying their operations, need to borrow money. It is difficult to borrow from other banks, and everyone's eyes are on the city credit union, so they will naturally not be willing to let the association give the loan amount next year to the city steel mill.

It is also under the promotion of the municipal party committee and municipal government that the city credit union decided to release half of next year's volume to the city steel mills, but it is only about 20 million, which is far from filling the gap of the city steel mills.

In addition to the credit union, the city has little binding force on the branches of the Bank of China, the Construction Bank, and the Industrial and Commercial Bank of China in Donghua -- including the five banks that are stronger than the credit unions, including the Industrial Credit Bank, barely scraped together a credit line of 10 million yuan to the city's steel mills at the first meeting.

The so-called credit line is the loan credit granted to the enterprise after the bank has been approved. Within the agreed period, as long as the total amount of loans from the enterprise to the bank does not exceed the credit line, it can be disbursed without additional audit and review, and there is no limit on the number of loans.

If the municipal steel mill now obtains a credit line of 120 million yuan from a financial institution, when the joint venture company is formally registered, it can directly lend money from the bank, instead of wasting time by talking to the bank one by one.

Tan Qiping personally presided over the second coordination meeting, hoping that the banks could increase the credit line for the city's steel mills and make up the 120 million yuan of capital contribution.

However, including Zhang Lisheng, Sun Yalin and others, all bank representatives avoided Tan Qiping's eyes and communicated silently in private.

Gu Tong was also hoarse at the coordination meeting, stating that the operating conditions of the city's steel mills have improved, and will continue to improve next year, and the ability to repay loans will continue to increase.

Let Gu Tong speak like a flower, and the people in the audience remained unmoved as usual.

Lin Ruchun, the branch manager of the CCB, said directly: "If the city steel mill pays back the 80 million yuan owed to our bank, our bank will ......cover all the credit line gaps this time."

One person spoke, and the others followed suit, and they wanted to settle old accounts with the city steel mill.

Gu Tong's face immediately swelled like pig's liver, Shen Huai was bored with his fingernails under the table, asked Sun Yalin if he had nail clippers with him, and took out two boxes of cigarettes and set them on the table, allowing the smokers in the conference room to smoke at will.

The early construction of the city's steel mill relied on its own accumulation, and its development was slow.

During the Xiong Wenbin period, relying on the support of the Municipal Party Committee and Municipal Government at that time, almost half of the loans in Donghua City were borrowed to the Municipal Steel Mill, adding two new production lines to the Municipal Steel Mill and creating the glory of the Municipal Steel Mill at that time.

By the time Xiong Wenbin was transferred, the loans of the city steel mill at that time were almost all in arrears, and the net assets of the entire city steel mill at that time reached 400 million.

At the same time, the city's steel mills have borrowed large sums of money from financial institutions for production and operation, new projects, and diversified operations. In just five or six years, coupled with the interest accumulated over the years, the debt scale of the city's steel mills has rapidly swelled to 500 million.

Today, the total assets of the city's steel mills are 800 million yuan, and the liabilities are 500 million, which is not much bad in terms of financial structure.

The key is that the current business situation of the city steel mill has improved, and it is only able to maintain daily operations, and the wages of workers only need to be paid two or three months later, but there are still difficulties in paying loan interest to the bank on time, not to mention that there are several due payments, and new loans need to be repaid.

In this case, who is willing to add a total of 120 million new loans to the city's steel mills? The attitude is almost the same as that of Lin Ruchun: It is not difficult to repay the old debts and borrow new ones.

The coordination meeting lasted for two hours, except for the city credit union that promised to squeeze another 2 million to the city steel mill, no one else expressed their position, and if they were in a hurry, they asked the city steel mill to repay the old debts first, which made Tan Qiping regret coming to participate in this coordination meeting.

The power of the municipal party committee is not always useful.

The conference room was full of smoke, and Tan Qiping, who didn't smoke, coughed incessantly, and knew that there was no way for the coordination meeting to drag on any longer, so he motioned to Liang Xiaolin to end the meeting, let everyone go back, and left Shen Huai, Zhang Lisheng and others in the conference room alone to talk.

"There are many problems accumulated by the city steel mills, and Donghua is also at the request of the province, the city steel mills have begun to do the work of equity restructuring and are ready to establish the city steel group joint-stock company. I think the problem of the city steel mill can also be solved through restructuring, like Meigang, and it will be revitalized," Tan Qiping closed his notebook, stared at Zhang Lisheng, and wanted to focus on opening a breakthrough from the credit bank, and said, "The joint venture company will be newly established, Meigang and Fuji Steel will send managers, and the new company, new starting point, technology and management are all based on first-class steel enterprises like Fuji Steel, and the prospects should be more optimistic than that of the city steel mill." The new loans of the municipal steel mill this time will also be mortgaged with the equity of the joint venture company, why is your bank still so worried?"

People are different from people, the city steel mill also uses the original team, can not fundamentally form a new enterprise system of "people who go up, people who don't go down", whether Gu Tong's title is factory director, or the chairman and general manager of the group, it is just a change of soup and not a change of medicine, what qualifications are there to compare with Meigang?

Zhang Lisheng couldn't break this point in person, but said:

"After the bank arrived in Donghua, there has been no business cooperation with the city steel mills, according to the regulations of the head office, large-scale credit cooperation, need to conduct a financial audit of the enterprise in advance. If the city steel mill is willing, we can start the work right away. Another is that the bank is still very weak in Donghua, and the scale of business development is not large. Although the provincial bank injected some capital into us at the beginning, the real amount of loans it can lend out is directly related to how much deposits it absorbs. At present, Meigang's cash is basically walking from us, supporting the scale of our bank's deposits, so we will mainly consider supporting Meigang in the credit business. I can honestly tell you Tan Ji that our bank's credit line for Meigang next year is 120 million, and after deducting the 60 million money that has been loaned, we will also reserve 60 million yuan for Meigang. Unless our bank can increase the scale of deposits on a large scale next year, the scale of business cooperation with other enterprises will be very limited......"

"For the loan, I have to ask the province for support," Shen Huai didn't want Tan Qiping to force Zhang Lisheng to express his position in person, and rubbed his hands on the side and said, "Meigang wants to go out to beg for money if he wants to start a new project." Otherwise, relying on Donghua City alone, our two projects can eat up all the credit for next year, and it will be difficult for other small and medium-sized enterprises to expand their production scale by relying on credit. ”

When he went to the province for support, he would still face the problem of a serious lack of credit of the city's steel mills, but the two coordination meetings also made Tan Qiping understand that the credit potential of Donghua City is really limited.

I knew it in my heart, but Meigang didn't stretch out my hand to ask for it, and the business credit bank promised to give Meigang a new loan of 60 million yuan next year, and said a lot to the city steel mill, but refused to pull it out, so that Tan Qiping, Liang Xiaolin, Gu Tong, Zhou Ming and others present were also uncomfortable.

However, they also know that Zhang Lisheng does not have to be responsible to the municipal party committee and municipal government, the business credit bank has its own system, the municipal bank is responsible to the provincial bank, and the provincial bank is responsible to the head office.

In the final analysis, it was Shen Huai who was playing tricks and agreed to take out 400 acres of project land, and the 400 acres of land still insisted on high price conversion, and finally accounted for 15% of the shares in the joint venture company, unwilling to undertake more capital contribution obligations. Otherwise, Meigang will be the main force, and the city steel mill will assist from the side, and the whole thing will be much smoother.

It's just that Tan Qiping can't say anything about Shen Huai, Shen Huai was reluctant to take over from the beginning, and it was also under mutual compromise that Shen Huai agreed to let Zhou Ming take the position. However, Gu Tong was positive, and Tan Qiping was also anxious to succeed, so he reached a preliminary cooperation intention with Fuji Steel at this stage.

At the beginning, Tan Qiping was also in a happy mood, thinking that there was no need for Meigang to be the main force, and the city steel mill would come forward to make things fall into place, but he didn't expect to encounter obstacles before taking a step.

Tan Qiping said to Zhang Lisheng and Shen Huai with a gloomy face: "The province also attaches great importance to this project, and I will personally go to Governor Zhao Qiuhua to ask for help and ask for provincial banks, but I still hope that Yexin Bank can strongly support this project." ”

"Okay, I will communicate with the provincial bank to see if the provincial bank can give some support. Zhang Lisheng also spoke without leakage, and refused to express his position before other lines expressed his position.

"Okay. Tan Qiping saw that he could only do this, so he let Zhang Lisheng, Shen Huai, and Sun Yalin leave.

Shen Huai walked out of the conference room with his front foot, and Zhou Ming chased after him with his hind legs, and said: "The group office is still short of manpower, and it still needs to be seconded from Meigang and the city steel mill." Mei Gang came in this year with a college student named Guo Chengfeng, Shen Huai, do you have any impression, can you lend it to me first?"

"Some impressions," Shen Huai saw that Zhou Ming was also magnificent, and no longer called him by his position as before, but called him by his name, but he didn't care about him, but he didn't know how he got in touch with Guo Chengfeng, thinking that his recent movements behind the scenes were really not small, and said, "You let Guo Chengfeng apply to the company by himself, and I will ask the human resources department to handle the resignation procedures for him." Whoever you want, as long as he wants to, I can't get you stuck, right?"

Zhou Ming almost vomited blood when he heard this, he wanted to seconded a few backbones from Mei Gang first to support the stall first, but Shen Huai's attitude was that whoever wants to go to the joint venture company that has no score at the moment should not want to come back. He can't say that Shen Huai's is not, after all, Shen Huai didn't get him much stuck.

Tan Qiping and Liang Xiaolin listened to Shen Huai say this in the back, and they didn't feel anything, the number of employees in the city steel mill is more than four times that of Meigang, and they are worried that they can't find people from the city steel mill?