Although Nanping is not included in the national poverty-stricken counties, counties with an annual per capita income of less than 150 yuan in 1985 are called poverty-stricken counties, and the criteria for ethnic minority autonomous counties have been relaxed. In 1994, this standard was largely continued. Although Nanping City is not among the ranks of poor counties. There are also several impoverished towns and dozens of impoverished villages. Those with a per capita net income of more than 700 yuan will be withdrawn from the national poverty-stricken counties, and all counties with a per capita net income of less than 400 yuan will be included in the state-level poverty-stricken counties. Even in coastal areas such as Jiangsu-Suzhou Province, there are still hundreds of thousands of poor people in the province. Poor people everywhere.

It's a matter of how much. In these places in Nanping, there is no urban pension insurance for the elderly, unlike many places that have implemented urban and rural pension insurance, and they have a little pension when they are old, basically relying on raising children to prevent old age.

Getting rid of poverty and becoming well-off has always been the goal of several generations of people, and it is also people's beautiful yearning. There are still more than 200 impoverished counties in the country, and it is conceivable that there is a long way to go to get rid of poverty and become rich. Nanping County has a poverty alleviation office, referred to as the poverty alleviation office. At present, the population of Nanping County is 1.8 million. Among them, more than 800,000 people have reached the poverty level, including many elderly people who have lost their labor force, as well as those who have congenital paralysis, or people who are disabled due to difficulties due to illness. Those who can afford to go out to work have basically gone out, down to 18 years old, up to 50 years old, if it were not for the proximity of Nanping to Guangdong Province and the export of labor, more than a quarter of a village would go to Guangdong to work. There are few local enterprises in Nanping City, and the local GDP pull is to rely on these migrant workers who go to other places to work, come back to consume during the New Year's holiday, come back to get married, build houses, to put it bluntly, that is, rely on a huge army of migrant workers, earn money outside, and return to Nanping to consume, feeding many small stalls and vendors in Nanping, and feeding many shops, supermarkets, and shops. It has invigorated the development of the construction industry and promoted the consumption of household appliances. It is mainly the construction industry that has been stimulated. If it weren't for the fact that people here bring back so much foreign money every year, Nanping would still be an extremely poor county.

The per capita is less than 1,000 yuan, that is to say, with a population of 2 million, the county's GDP is less than 40 billion. How much tax can be collected with 40 billion dollars? The tax mainly depends on local factories, enterprises, and industrial and commercial self-employed individuals, and it is only 100 million taxes. This 100 million yuan has to feed so many public personnel, and it is also necessary to cultivate and educate Puqiao, but it is conceivable that there is a shortage of money everywhere, and it is not good anywhere. Teacher's salary is white, and that's in the past. Even if the more than 4,000 teachers in the county are paid a salary of 1,000 yuan, it is more than 40 million. This 100 million yuan of financial revenue, in the final analysis, is not enough to pay teachers' salaries.

Even if so many people go out to work, which raises the GDP, do those who go out to work not need to spend money in the local area where they work? Even if they get a salary of 4,000 yuan a month, they actually don't get a lot back to their hometowns for consumption. Especially young people are basically moonshine clans, how much money can they get back to consume. Those uncles and aunts who have families or already have families and children who have burdens know how to save, and have some money left to take back to their hometowns. There are several people in a family, including two old people, a wife, and 3 children, who rely on a strong laborer to work, and a family of 7 can earn only one, so even if 30,000 yuan is left every year, it is not much. That is, the per capita income of 5000 people. Think about how much this money can do to pull Nanping DOP.

Just look at Nanping's financial income two years ago, and then look at the deposit accounts of several banks, and look at how much money several banks still have. Two years ago, there were only postal savings and credit cooperatives left, and these two banks had outlets in every township and township, such as the Agricultural Bank of China had outlets in large towns, those construction banks had only three outlets in urban areas, and Longguo Bank had only one branch.

If a bank opens a branch in a township or township, and the business volume is not large, it will not be able to earn the handling fee for withdrawing money from other places, nor will it be able to absorb much deposit, and the most important thing is that if no one takes out loans, the bank will make money by lending. If you don't have a loan, you can't even afford to maintain a branch of 10 people, so why are you still there?

Banks are not philanthropists, and they do not do business at a loss. Two years ago, the main business of all banks was to pay salaries. This is a major business. In the first two years, several banks, excluding those that had already lent, had a deposit balance of 500 million yuan.

Up to now, although the Industrial and Commercial Bank of China has also resumed its outlets in Nanping, all the banks can lend not much money, that is, 4 billion yuan, although the flow of water has increased by leaps and bounds. That is because many enterprises and factories have settled in Nan'an to carry out construction, and a large amount of funds are needed to transfer money through the bank. Then take it out for construction, but many enterprises have not really put into production, so there is no big money to deposit in the bank. Although in the past two years, Xiang and others have transferred hundreds of billions through banks. In Nanping, more than 100,000 new accounts have also been added, which are migrant workers from other places, including construction workers, factory workers, many business personnel, white-collar workers, and the corporate accounts of enterprises and factories that have invested in Nanping, and many self-employed industrial and commercial households who have come to Nanping to make money. In addition to the deposits of local migrant workers in Nanping, which can be kept in the bank of Nanping, the accounts of migrant workers in other places are basically transferred back to their hometowns after a few days as soon as the money from their monthly wages arrives in the account.

This is also the reason why Secretary Sun imagined that the bank borrowed money, but the bank did not have much money to borrow.

Although Nanping is not a state-level poor county, but it is also a poor place, if it were not for so many people to work in Guangdong, it would still be poor, if it were not for so many people to work in other places, which led to the development of local industry and commerce in Nanping, Nanping is still the same as before the 90s of the last century.

It can be seen from a single data that the vegetable market in a township can reflect the local economic situation very well. There are few people who sell vegetables and buy vegetables, which means that there are few non-agricultural towns in a township or township. I didn't see the only vegetable market at the township level. It's very deserted, except for those towns in the development zone, of course. There are only three or four stalls for buying pork, 2 stalls for chickens, a few stalls for roast duck and other cooked food, a few fixed stalls for selling vegetables, and about 20 stalls for those farmers and old men who set up stalls from the village. In other words, there are really very few people who often visit this vegetable market to grow some vegetables for money, that is, about 20 people. The main reason is that local consumption is not good, no one wants to grow it, if the supply exceeds demand, a lot of people follow the trend to set up stalls, set up stalls, and a lot of people grow vegetables and raise chickens and sell them.

A small market is so a stall selling vegetables, you can imagine how low the local consumption level is. If there are many local non-agricultural households and a large number of local floating population, a few more large markets will be full. Just like a few towns in and near the development zone, the old markets have long been insufficient, and many new markets have been built. As long as there is a little economic acumen in these towns, they are engaged in growing vegetables, raising chickens, ducks, and pigs. Because the vegetables grown can be sold, either small traders come to the village to buy them, or they pull down the market to set up stalls to sell. In the past, Nanping Siwang Town was a vegetable base, and their vegetables were pulled down 400 kilometers away from Guangdong, but now the Nanping Development Zone is developing, and there is no need for long-distance transportation to Guangdong, and it can be picked up at the doorstep.

Although the Nanping Development Zone has driven the local agriculture and animal husbandry, more than 100,000 immigrants and 100,000 resettled households who have lost their land need a lot of consumption every day, and each person counts 6 yuan for rice, flour, meat, and vegetables. That is also more than 2 million consumption, driving the development of agriculture and animal husbandry of more than 2 million.