Chapter 2002 The red line of lending cannot be crossed
The next day, Chu Tianqi paid a special visit to Kong Chengliang, secretary of the municipal party committee, and reported on the upcoming "running money" trip.
For Chu Tianqi's spirit of serving the public, Secretary Kong fully affirmed and resolutely supported Chu Tianqi's work. In particular, Secretary Kong also emphasized that during Chu Tianqi's departure from the city, the relevant resolutions of the municipal party committee and the spirit of the meeting would be reported to him as soon as possible. At the same time, Secretary Kong also assured that if there is anything that needs the municipal party committee, he needs the help of his secretary, although he said it bluntly. In short, the Municipal Party Committee fully supports Chu Tianqi's application for the project.
Also on the second day, Mayor Qin Huai held a special meeting on the government's executive work, emphasizing that all deputies must fully support Mayor Chu's work. And specifically pointed out that Mayor Chu is busy for the whole city, not his own work, and he asks everyone to only help and not add to the chaos. At the meeting, Qin Huai solemnly stated that if that department obstructed Mayor Chu's work, he would first ask the deputy mayor in charge. In fact, people heard that the mayor was pointing at Sang and scolding Huai, and it was inevitable that he felt uncomfortable, but on the surface, they all expressed "strong support".
After the meeting, Liu Fuli specially found Chu Tianqi and, as the eldest brother, emphasized some matters to Chu Tianqi and imparted relevant experience. And instructed Chu Tianqi that he could do his best, but he didn't have to be strong, he had to pay attention to protecting himself and paying attention to safety. Liu Fuli also said that he would also help Chu Tianqi take care of some things, and if there was any trouble, he would definitely tell him as soon as possible, and he would deal with it according to Chu Tianqi's requirements.
Chu Tianqi was very moved by Big Brother's sincere advice and said that he kept it in mind.
In addition to Liu Fuli, Chu Xiaoya and Sun Tingwu both found Chu Tianqi separately, saying that they would do their best to do their work and never cause trouble to the mayor.
Sun Tingwu also said in particular that he would personally follow up on the work of maintaining stability and safety inspections during the "Double Festival" to eliminate hidden dangers and personally supervise the case of the building fire.
Chu Xiaoya's individual report is not only a guarantee from her subordinates, but also an entrustment from her old colleagues, a reminder from a good friend, and other feelings.
Originally, he was worried that people would not pay enough attention to work, so Chu Tianqi especially emphasized that he wanted to go out, and asked people to perform their duties and be optimistic about the backyard. But now the attention that people show has exceeded Chu Tianqi's expectations, and even increased a lot of heaviness.
Especially seeing Chu Xiaoya's red eyes, Chu Tianqi felt that the matter might have passed, so he had to say teasingly: "I seem to have the meaning of being cold and cold." ”
Unexpectedly, Chu Xiaoya was not amused by the "humor", but turned her head, wiped her cheeks, and said, "I'll wait for you to come back, come back healthy." ”
What is this? How did you get a parting of life and death? While Chu Tianqi was moved, he couldn't help but sigh why such an atmosphere had formed.
In the evening of the same day, Chu Tianqi left Dingye and rushed to Yanyun City. He didn't want to visit his wife and children, not to see a family, but to start a "money" trip from the provincial capital.
……
The next day, as soon as he got to work, Chu Tianqi arrived at the office of the vice president of Hexi Bank.
The vice president's surname is Kim, and he is forty years old. However, the daily maintenance is in place, the skin on his face is stretched, his head is shiny, his hair is black, he looks about the same age as Chu Tianqi, or even younger, at least much whiter than Chu Tianqi.
Seeing Chu Tianqi enter the house, Vice President Jin was very enthusiastic, immediately got up from the chair, personally stepped forward, and asked Chu Tianqi to sit on the sofa. Then the tea was served and the guests sat on the sofa.
Seeing Vice President Jin's attitude, Chu Tianqi was very happy, and said polite words again and again to express his gratitude.
Vice President Jin kept recounting Chu Tianqi's "deeds", and he almost praised him to the sky, and he almost praised him as an "almighty god".
After a long period of excitement, politeness and mutual praise for half an hour, the room temporarily calmed down.
After taking a sip of tea, Chu Tianqi put down his cup and spoke: "President Jin, the rapid economic development of Hexi Province in recent years, and the rapid development of various undertakings are inseparable from the strong support of your bank. I have heard the provincial leaders say that without the support of the Hexi Bank, Hexi's economic development would have regressed by at least five or even ten years. The difference of five years now is incredible, at least equivalent to the difference of 20 years in the last century. The great changes of ten years are equivalent to the difference of half a century in the last century. ”
When President Jin heard the praise, his face was even more happy, and he immediately said modestly: "Mayor Chu has won the award, and the provincial leaders have praised it." Hexi Bank is a native enterprise of Hexi, the whole start-up, development and growth stage has been strongly supported by the province, without the support of the provincial party committee and the provincial government, there would be no Hexi Bank today. As a local enterprise, it is our duty to support the development of various undertakings in the province. ”
Seeing that the other party was happy about the "provincial leader's remarks" he had fabricated, Chu Tianqi couldn't help but be happy, happy that the other party also loved to listen to good words, and liked to use his own little tricks. He then said seriously: "As far as I know, in the past three years, Hexi Bank's credit support for Hexi Province has accounted for 15 percent of the entire loan amount in the province. Being able to sit on an equal footing with several large state-owned banks shows the great strength and rapid development of Hexi Bank, and also shows the courage and strength of the bank's leading body. ”
This time, Vice President Jin was not complacent, but made an objective statement: "The main thing is to take advantage of the spring breeze of the great development of Hexi Province, mainly because of the support of the province, and the wise decision of the board of directors of the bank, we are just implementing the correct decision." The overall strength of our bank is much worse than that of several large state-owned banks, and the reason for the rapid development of business is inseparable from the strong support of the local party committee, government and all sectors of society.
The data that Mayor Chu just talked about has been counted by relevant departments, but it is inevitably biased. This data mainly refers to the support for purely provincial projects, but in fact, many projects in Hexi Province are inter-provincial or even national. In this category of business, we are not on the same strength platform as those major banks, and if we also include the statistics, the 15% will be greatly reduced. ”
Just now he came to the door and patted him on the back, it was just Chu Tianqi's emergency move, just learned and sold now, with Liu Fuli's disguised guidance, and Ning Junqi personally demonstrated with courseware, Chu Tianqi himself did not have such an accumulation. For so many years, in the process of taking the career path, it is difficult to say some respectful words to the leader. But Chu Tianqi doesn't know how to flatter and pat horses, and he doesn't disdain, he doesn't do it when he is a small official, and now it's even more unnecessary. It's just that this time he came out purely to ask for help, and he was dealing with the God of Wealth, so he had to follow the customs. Fortunately, there is no one else around, and fortunately, I don't see each other often.
It's just that these things that are now being learned and sold have been shaken off, and Chu Tianqi has no corresponding preparations, so he can only go to the point: "President Jin, as far as I know, Hexi Bank also has a very strong support for Dingye City, and I have participated in several projects like this this this year, all of which are generous spending." It's a pity that President Jin was busy with official business at that time and didn't come in person, otherwise maybe we would have known each other a long time ago. ”
Vice President Kim said, "I have also been to Dingye City twice, but neither of them is an occasion to participate in this kind of event, and Dingye is good there. Since the beginning of the previous year, Hexi Bank's investment in Dingye has increased, and the speed has developed rapidly, but the entire amount base is not enough. The bank also intends to expand its business in these prefecture-level cities, including Dingye City, but it mainly depends on whether there are suitable projects. ”
It's really what you want. Chu Tianqi immediately answered: "President Jin, there is a project in the city now, which is a project that benefits the country and the people, and if your bank can provide loan support, it will definitely play a huge role in promoting the business development of your bank in Dingye City." ”
Vice President Jin let out an "oh" and said, "Is it?
"Dingye City plans to open up Dingfeng Mountain, connect Dingye and Fertile Plains, connect Hexi and Jinbei, and build a large passage between Hejin and Jin. Dingfeng Mountain is located in ......" Noticing the other party's expression of wanting to speak and stopping, Chu Tianqi also stopped talking and asked rhetorically, "Governor Jin, is there anything wrong?"
"There's nothing wrong with it, and I don't make specific comments about the project. However, for such projects, our bank resolutely does not lend. Vice Governor Kim replied.
This is also too resolute, it is so stuck all of a sudden, why? Chu Tianqi couldn't help but wonder, thinking about how to organize the wording.
Obviously realizing that what he said just now was too blunt, Vice President Jin immediately smiled and explained: "Mayor Chu, this is the case, not only for the project you mentioned, but also for all similar highway projects at present. ”
Chu Tianqi immediately questioned: "President Jin, as far as I know, Jinguang Avenue in Yanyun City and Heyan Street in Dingye City are all loans issued by your bank, right?"
"There are many more projects like this, but they are different from the ones you said, blame me for not making it clear. Vice President Jin further explained, "The highways you just mentioned are all municipal roads, and they use pledge loans. This kind of project occupies relatively little capital, tens of millions or one or two hundred million, and the loan period is also short, most of them are three years, and some are five years. Moreover, with high-value collateral, it is much easier to execute bad debts.
The Dingfeng Mountain Highway Project you mentioned is a national and provincial trunk line, with an amount ranging from more than a billion to billions, or even tens of billions. Most of these loans are more than 10 years old, and they are mortgaged by the right of way, and the loan is repaid for a fee. With the strength of our bank, it is not enough to support a single multi-billion project, and the project fund recovery cycle is too long, and we can't afford it. If we encounter another bad debt, our entire operation may fail, so this is a lending red line set at present. ”
understood what the other party meant, but Chu Tianqi still didn't give up, so he asked tentatively: "President Jin, can the board of directors of the bank decide on a large loan?"
"Nobody. The key is the nature of the project, not the amount of money, nor the chairman and the board of directors, and the red line of lending cannot be crossed. Speaking of this, Vice President Jin smiled, "Mayor Chu, it's also a waste of time here, I suggest you go to those big banks to have a look." ”