But things did not go as smoothly as Bao Feiyang said, according to the assumption, it should have received the news of the project approval in the next few days, but after a few days, there was still no news from the provincial capital, and the county magistrate Yang Chengdong suddenly called Bao Feiyang to his office, and said to him with a stern expression: " Feiyang, just now the mayor of Songping County called from the city, he held a financial meeting in the city, the city construction bank said that next year's monetary system will be tightened, in the coastal highway project, it is likely that not much support can be provided, we may have to find another way. ”

Located in the Haizhou Bay Economic Radiation Zone, the Linhai Highway that plays an important role in the future exhibition of Haizhou and Wanghai County is in strict accordance with the standards of the national secondary highway for transformation, coupled with the large-span Guanhe Bridge in the east of the Guanhe River relatively close to the estuary, according to the calculation and analysis of experts in the industry, the total investment in the completion of the entire project is expected to be about 200 million, of course, these two hundred million do not need to be taken out at once, and the relevant local governments do not have such strong strength, so according to the plan, it will be completed by Haizhou City, Jingcheng City and Wanghai County jointly set up an investment company specifically for this project, and introduced foreign capital, it is expected that a total of 50 million yuan of capital can be raised, and the remaining insufficient funds, 1.5 billion yuan, must be introduced to the bank through the government and come forward to guarantee, the bank loan is solved, and then the loan is repaid by collecting vehicle bridge tolls after the completion of the project in the future, so as to solve the problem of insufficient funds at present.

In response to the central government's spirit of achieving a soft economy6 and cooling down the overheated economy, banks tightened monetary policy, making it difficult to get loans from banks. Originally, key projects such as the Linhai Highway, which were led by the government and related to the future economic development of the two places, should be supported by the government's policies, but now the attitude of the Jingcheng Construction Bank, which had previously expressed its support for this project, is relatively vague, and it is difficult to say that this is simply because of the bank's own financial constraints, at least it shows that the city's support for the Guanhe Bridge and Linhai Highway projects won by Wanghai County after several efforts is still not large. Or maybe some leaders in the city don't take it very seriously.

"What is the situation on the ICBC and ABC?" Bao Feiyang asked, the owner did not borrow from the west, and Bao Feiyang did not put all his hopes on a tree.

Yang Chengdong shook his head helplessly: "ICBC and ABC are even more reluctant to provide loans, they say that this kind of transportation construction project should be found in terms of business division." And their loan amount next year is basically divided up now, a large part of which is put on the construction of Chengang Industrial Park, unless the loan amount for the paper industrial park related projects is reduced, otherwise they are helpless, there is no way to squeeze out more amount. ”

Bao Feiyang smiled. I am afraid that the attitude of several banks in the city is not just prevarication, after all, the loan plates of these banks are not large, and the overall situation is still a situation of more monks and less porridge.

Wanghai County declared the Linhai Highway and Guanhe Bridge project in fact, the loan risk is not large, it should be said that it is still a high-quality project, I believe that many discerning people can see that with the construction of the paper industrial park, the further formation of the project operation, the future Wanghai County Government financial revenue growth is expected. The bridge is located at an important transportation hub in the entire paper industry zone, and if the toll is charged, the benefits are also considerable. And because of this, those who have a keen eye. Originally, when the banks were in contact with them in the early stage, they also had a relatively positive attitude, but now that they have come into contact with them in the early stage, this kind of situation that they did not expect before can only show that the control of investment in the face of next year has been further strengthened, and the bank has tightened its monetary policy. However, in the case of limited resources, the bank must first ensure that it gives priority to the completion of various administrative tasks assigned by the superior leadership.

Of course, Wanghai County also has its own credit unions. However, there are more places in the county that need financial support, and the plates are smaller. If the quota is put on road and bridge projects, it will inevitably occupy most of the loan line that the credit union can provide, and squeeze the supply of funds in other areas, causing the stagnation of other related projects, which is certainly not what the county government wants to see.

"Feiyang, if there is a problem with the project loan now, will it affect the province's view of the project?" Yang Chengdong asked with some concern.

"Not really. Bao Feiyang shook his head confidently, with his relationship with Wang Hongfeng, the governor of Jiangbei Province, of course, it is impossible for the province to have an opinion on this project, but there is another worry in his eyes: "In fact, what I am most worried about now is that the bank's loans for investment projects in the industrial zone will also be tightened. ”

Bao Feiyang frowned, turned the pen in his hand, thought about countermeasures, and said after a deep sigh: "Otherwise, we will try our best to win the support of bank funds for the industrial zone project, and I will find another way to fund the bridge project." ”

In economics, investment, consumption, and exports are seen as the troika that drives economic growth, but in fact, these troikas can be seen as two aspects: supply and demand. As far as Wanghai County is concerned, to develop the economy, it is necessary to increase exports and increase the output of commodities, but the premise is that they can produce commodities, which requires increased investment.

Under the condition that the market is guaranteed and the production capacity is not released, investment is the driving force of economic growth, so attracting investment will become the focus of governments at all levels that are now focusing on developing the local economy.

In addition to direct investment, bank credit is also an important part of investment, for example, if the credit scale of Wanghai County is doubled, it means that the amount of credit investment funds in Wanghai County can be doubled, and the effect of this increase may be more pronounced when considering the role of economic leverage.

Wanghai County has introduced a lot of direct investment in this way, but these direct investments also have a strong demand for credit funds, such as a 5 million investment project, investors may take 3 million of their own funds in the early stage of the project, and then hope to borrow another 2 million funds from the bank, the loan does not mean that the investor is short of money. The strength is not enough, but the use of funds in this way is more efficient, and the best combination of resource advantages can be achieved, so even projects opened by financially strong investors such as Fangxia Paper Company and Indonesian Sinar Mas Group may have to apply for loans from banks.

Some of the loans from these investors were financed through the banks in the county of Guò. However, the credit plate of the county bank is limited, and some large projects are simply not able to support it, so in this case, the city needs to support these projects with a large demand for funds. If the support of the city banks weakens, it will definitely affect the progress of these investments and thus the construction of the entire industrial zone.

After having a conversation with Yang Chengdong. Bao Feiyang returned to his deputy county magistrate's office, took out a phone book from the desk drawer, found Wu Shude's name, and called Wu Shude, the president of the Municipal Construction Bank.

For the banks, they have money in their hands, so it is their power to give to whom and not to whom. In the face of those who want to borrow money, banks are very confident, while those enterprises that need loans are looking for various connections to dredge, hoping to get money from the bank. But banks also want high-quality customers, such as those with deep pockets like Fangxia Paper and Indonesia's Sinar Mas Group. The liquidity of their company's account usually has tens of millions, and the loan to such a customer is guaranteed by their own strong assets, and there is no need to worry about repayment.

Fangxia Paper's corporate account was opened in the Industrial and Commercial Bank of Wanghai County, but the office of Fangxia Group in Jingcheng City opened an account in the Municipal Construction Bank, and the monthly turnover was tens of millions. It is also very clear that Bao Feiyang has an influence on Fang Xia Paper Company.

"County Magistrate Bao, I'm really sorry, the bank originally planned to give tens of millions of dollars to the Guanhe Bridge. However, now that the monetary policy has been tightened, the loan amount for next year has been reduced by nearly 20%, and there is really no way to come up with so many loans to support you. Wu Shude explained very sincerely: "County Magistrate Bao, you also know that although I am the president, I also have to listen to the organization's arrangements for who and how to release the bank's money." There are so many projects in the city, and there are still several enterprises. The amount of money needed is very large, and we have to squeeze it around. ”

Bao Feiyang asked with some surprise: "How will the silver root be harvested so badly next year?"

"yes. It is said that the results of this year's regulation and control are not very ideal, especially the momentum of repeated construction of many projects has not been curbed, so the control efforts should be increased next year. Wu Shude kept complaining on the phone.

Bao Feiyang also has a certain understanding of the operation of the bank, and knows that Wu Shude is not lying, although the bank and the government are yes, but under the current system, local banks are still affected by the government. The government has to build roads and bridges, and it has to borrow money from banks, and when state-owned enterprises are in trouble, they have to let banks lend money, and although many projects are not economical in the eyes of banks, they must also lend money because they have to support the work of local governments.

In order to support the work of local governments, the money is given to these face-saving projects and loss-making enterprises, but in the face of some high-quality projects with great potential and prospects, they cannot get the funds.

"Well, I know your difficulties, President Wu, but our reed paper integration project in Wanghai County is a strategic project of the city, and the Linhai Highway and Guanhe Bridge project are also the focus and key of this strategy, and I hope that President Wu and the Municipal Construction Bank can give more support. Bao Feiyang said sincerely.

"Yes, yes, I know what you said, County Magistrate Bao, and I can only assure you that we will do our best. Wu Shude said, but he could not guarantee how much money Bao Feiyang could provide, after all, the Linhai Highway and Guanhe Bridge projects have not yet been reviewed by the provincial transportation department and included in next year's plan.

"Then I'll thank Governor Wu in advance. Bao Feiyang said: "I also know the difficulties of President Wu, the scale of funds required for the Guanhe Bridge project is relatively large, and we can understand the difficulties in the city, but the construction of the county's industrial zone, most of the investment is some high-quality projects, and most of the funds required are hundreds of thousands, millions, and we need more support from the CCB." ”

"Of course, our bank also needs such high-quality customers. However, the credit plate of the city bank is so big, most of them have to support the city, and sometimes we have no choice!" Wu Shude said helplessly.

Although he knew that Wu Shude did not intend to shirk, he kept emphasizing the difficulties of the market, but did not make substantive guarantees, which still made Bao Feiyang a little dissatisfied.

Bao Feiyang made another phone call to the Municipal Industrial and Commercial Bank and the Agricultural Bank of China, and their attitude was similar, next year's credit situation is not optimistic, and the limited resources will be affected by the government, focusing on taking care of the city's projects and enterprises, and there are very few people who can be assigned to the following, and Wanghai County's influence on the city's government is still relatively weak.

The next day of the county magistrate's office meeting, executive deputy county magistrate Yang Songping also raised this question, Yang Songping said: "next year is a year of construction in our county, the extreme thirst for funds, although there is a lot of investment in the industrial zone, but these investments will produce benefits until the second half of next year, they are also very hungry for funds, if the credit funds can not be guaranteed, it will definitely affect the progress of the project construction." ”

"When I went to the city this time, I communicated with several major banks in the city, and they said that it was a lot more difficult. I had no choice but to find Mayor Meng, but fortunately, Mayor Meng was very concerned about the situation in our Wanghai County and said that he would definitely take care of the bank and ensure our share of credit in Wanghai County. ”

Yang Songping is a cadre of Mayor Meng Fanjun, and he also has some resources in the city, but although Meng Fanjun said this, it is difficult to say how much support he can give to specific projects.

Yang Songping saw the difficulties in the county, and planned to win support in the county under the banner of Meng Fanjun.

He said with a smile: "The county magistrate Songping has connections in the city, and if we can win more total credit for the county, it will be a great contribution to the county's exhibition! We also want to ask the county magistrate to find a way to win more credit for the county. (To be continued)

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