The establishment of the Shuangfeng County Financial Office has not attracted much attention, but Lu Weimin attaches great importance to this institution, which may bring great impetus to the financing of a local enterprise and economic development, of course, the premise is that this institution can thoroughly grasp and implement the work of promoting the construction of the county's financial credit system.

The county is headed by a director of the county government office, and a business specialist is transferred from the four major banks and credit unions in the agricultural and industrial construction and the credit union, plus the industrial and commercial and taxation departments have also transferred a person to set up an unprecedented collection and evaluation team for the collection and evaluation of the county's enterprise operating conditions and credit status data.

This move has not only won the support of the People's Bank of China and several major professional banks, but has also been welcomed by enterprises, especially private enterprises and joint-stock enterprises after restructuring, but the township enterprises that have not yet been restructured are not very satisfied.

Among the first batch of companies to participate in the evaluation, the vast majority of enterprises have not really obtained the star assessment, and only five companies have obtained the star assessment, among which only Vinda Food Factory has obtained the three-star evaluation, like the previous ambitious Minde Group only received a one-star evaluation, the main reason is that although the assets of the Minde Group are small, the debt structure and management and operation team are not optimistic.

On the contrary, although Vinda Food Factory is small, it has a good product structure, a stable management team and a bright market prospect, so it has obtained a three-star rating, which is also a level jointly judged and evaluated by the personnel discharged by several major banks in accordance with the rules determined by the county, and can also be basically recognized by various banks.

Although this rating cannot be used as the basic criterion for the lending and financing of various banks at present, because the county financial office pays more attention to the collection of comprehensive business data of enterprises, including finance, market, historical reputation, etc., and these materials are also open to various financial units, it can greatly reduce the preliminary examination procedure, win time, and improve efficiency. The county, a guiding institution, can also provide a guiding opinion to each bank at any time according to the operating conditions of these enterprises.

You Xiankun is naturally aware of the situation of Vinda Food Factory, and it is indeed running very well. However, according to the bank's rules, the loan must be paid, but the land and plant of Vinda Food Factory have already been given to the credit union and the alloy association in order to obtain the loan of 600,000 yuan in the early stage, and now there are only some fixed equipment such as machinery left, which is also the most unwilling collateral for the county agricultural bank.

"Secretary Lu, this situation needs to be studied in our industry. But I personally tend to support your view, but I think it would be safer for the county to issue a guiding opinion to our bank in the name of the financial office. You Xiankun expressed his support very skillfully.

"Lao You, you are really slippery, why, to avoid risks, you have to pull our county up, even if the financial office issued you a guiding opinion. That has no legal effect and will not bear any responsibility. Lu Weimin smiled slightly and looked at You Xiankun.

"It doesn't matter [we also need to follow the approval process, and the guidance of the county government's financial office is also a reference, of course, it has no legal effect, and it does not bear any economic responsibility. You Xiankun paused meaningfully, "But this at least proves the attitude of the county." ”

Lu Weimin laughed and patted You Xiankun on the shoulder, "Okay, Lao You, talk about politics, I hope that the county agricultural bank can play a leading role in this regard" is only limited to a certain enterprise that the county is concerned about, and should adhere to a relatively complete system for evaluation and identification. ”

As far as the county's enterprise financial credit evaluation system has just been established, all aspects of the information are still lacking, and it is undoubtedly quite difficult to make a credit assessment of an enterprise, even if a credit assessment is made, it is difficult to obtain the recognition of the financial sector. It is also difficult for the financial sector to use this as a basis for corporate loan financing in the future.

Lu Weimin is also very aware of this, but he knows that this work must be started, and to grasp it to the letter, the key to this work is to persist, and the core basis is to be objective and fair, as long as it can continue in accordance with the principles and objectives determined by the county, Lu Weimin firmly believes that the results of this work will play an increasingly important role in the future, and during this period, the county should also promote the guiding role of this financial credit system in the major banking departments, so that this guidance that does not have legal effect will gradually evolve into a reference opinion consciously accepted by the banking sector。

With the support of Shu Zhanfei, the county Agricultural Bank began to launch the financial docking project for private and restructured enterprises in Shuangfeng County, which was not recognized by ICBC, Bank of China and CCB, Lu Weimin also knew that Shu Zhanfei was a little bold at this point, so he also hoped that the County Agricultural Bank could be more proactive but not blindly impulsive in promoting this work, because Shu Zhanfei and himself needed this work to be successful, rather than leaving a lot of problems.

At this point, You Xiankun is very old-fashioned, very haode grasp the progress and rhythm of the work, he also understands Shu Zhanfei and his own intentions, not to seek more, not to seek big, but to make this ice-breaking move can achieve perfect success, that is, to make the upper side realize that whether it is a joint-stock enterprise or a private enterprise, its risks can be controlled to a minimum in commercial activities, which can provide a good opportunity for the transformation of ABC into a commercial bank.

"What's so hot?"

Seeing Tian Haihua come in, Xia Lixing and Mao Hai gradually stood up, "Secretary Tian." ”

"Sit down, seeing that the two of you are talking so hard, I can't bear to disturb the two of you, why are you talking so hard?" Tian Haihua stretched his body, "I also doubt how useful this kind of video learning is, but I still think that learning is better than not learning, at least I can tighten a string of confidentiality for everyone, don't open your mouth to say everything, what you can say and can't say is nonsense, it's longer than your own nose and tongue, these cases are all lessons." ”

The province has organized the study of the Secrecy Law and related matters, and this is the central government's requirement to study cadres at the department and department level, and it is also necessary to draw lessons from some recent leaks of secrets in China.

Xia Lixing and Mao Haiji, president of the Provincial People's Bank, are also old acquaintances, and when they came out of the bathroom, they got together, but neither of them thought that Tian Haihua would also come out.

"Secretary Tian, I'm commending Secretary Xia for choosing a good secretary. Mao Hai gradually in front of Tian Haihua is also very casual, the two are also old friends for many years, Tian Haihua has not yet come to work in Changjiang, Mao Hai is still working in the central bank, the two have contact, Mao Hai gradually arrived in Changjiang, Tian Haihua also transferred to the Changjiang Provincial Party Committee Di Secretary, naturally feel very affectionate.

"Oh, Lixing's secretary?" Tian Haihua recalled that Secretary Xia Lixing seemed to be a very young man, and he was also quite clever, so he didn't care about anything else.

"Not the current secretary, but the former secretary, who is now the deputy secretary of the Shuangfeng Di County Party Committee. Mao Hai gradually smiled and introduced: "People are very young, but they have a lot of brains, and their thinking is very open and clear. I saw that the People's Bank of Fengzhou sent a thing, introducing the establishment of a special financial office in Shuangfeng County, and the personnel of the four major banks of the county's agriculture, middle industry and construction, together with the county government, the county people's bank carried out this financial credit evaluation system in the county, specifically to improve the financing environment of enterprises, I think this initiative is very innovative, and it is also in line with the central government's current proposal to improve the banking environment, strip the policy bank functions, and promote the transformation of professional banks into commercial banks。 ”

"Oh, Lixing's secretary is so powerful, and he can be praised by Hai Yan so much, this is the first time in so many years, why didn't I go to the province with you?" Tian Haihua knew Mao Haiji's temperament, and he never said it lightly, but there must be something in his words, and being able to get him to say this shows that he is indeed very concerned about this matter.

Xia Lixing also felt that it was not very easy to explain why Lu Weimin, this kid, was reluctant to come to the province, and it was not good for Tian Haihua to feel that Lu Weimin was a proud character, which was not beautiful.

Lao Mao also praised him a little too high, for the people is indeed very clever, this kid in Lingnan University like to participate in social practice, every summer vacation is basically in Guangzhou and Shenzhen over there township enterprises and private enterprises to learn to work, engage in social practice, take his own words, bathing in the spring breeze of the front line of reform and opening up, so the idea is more open, the mind is more open, more ideas than the average person is also reasonable. ”

"Well, this shows that this young man is very smart, and when he goes to university, he knows that learning is for practice, and he must serve practice, and he has done the first thing by linking theory with practice. Tian Haihua nodded, "It seems to be a good seedling, and you are willing to leave him in the county?"

He felt that being a secretary was learning, and going down to the grassroots level was practice, and he could apply theory to practice. Xia Lixing didn't say much, but skillfully used Tian Haihua's language to explain Lu Weimin's approach.

Sure enough, Tian Haihua smiled with satisfaction, although this may not have any effect, but it left an impression on Tian Haihua that it was difficult to buy.

Thanks to the monthly ticket support of the brothers, it has reached the fourteenth place, let us continue to work hard and move towards the twelfth, okay?

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