Hearing Cheng Xiaoyu's question, the atmosphere in the entire side hall was quiet, because housing prices have been a topic of national concern over the years, and where will Huaxia housing prices go is a matter of concern to everyone, after all, this is closely related to everyone.

Lu Guotao smiled and said: "If Director Cheng asks me this question, it is better to ask Lao Yang.... He has studied this issue the most ....."

Yang Junwen smiled bitterly and said: "If you want me to say that Director Cheng's question is both easy to answer and difficult to answer, if you want to reduce housing prices, just open the supply side...... However, while emphasizing that GDP is not used as a judgment indicator, the above is worried that the GDP growth rate will not meet expectations, and real estate, as an industry that mainly contributes to GDP, is not easy to cool down. ”

As an official in charge of land, Yang Junwen certainly understands the root cause of the fact that housing prices in Huaxia only rise but do not fall, and the reason is not complicated.

For a long time, the assessment and selection mechanism of Chinese officials has regarded GDP as an important criterion for measuring ability, and the three major means of economic development are consumption, investment, and exports.

Invest yourself, where does the money come from?

What kind of collateral to take? Land, of course.

But it is not enough to invest a little money, how can we borrow more, a steady stream of money? Of course, it is to raise the price of land.

Residents don't necessarily have a demand for housing purchases! How can we speculate on housing prices? It's easy, there is a demand for the renovation of old cities and shantytowns, and there is GDP for demolishing houses and building houses.

What should we do if the old houses are almost demolished? The establishment of economic development zones, the relocation of the government to the wilderness, the construction of roads, and the laying of pipelines are all GDP.....

What should I do if no one buys the house that I repair? Let the house turn from a demand into an investment.....

Don't you see GDP going up?

Of course, this is not without benefits, the rapid development of real estate has greatly accelerated urbanization, but the problem is also significant, hollowing out the national savings, overdrawing the future income of the Guo family, and because the funds are concentrated in real estate, it will also greatly squeeze the development of other industries.

Although the above has repeatedly emphasized that it is hoped that all localities will not take real estate as the main driver of economic development, and should engage in manufacturing and innovative industries, the vast majority of places lack a better way of economic development, and they can only hold on to the double-edged sword of real estate in the face of assessment requirements, so that the situation that everyone is a loser when housing prices fall today.

Then Yang Junwen said: "The original economic growth mode that relied on a large consumption of resources and land was the road we had to take in the previous stage, but everyone should understand that finding a new economic growth mode is inevitable and necessary to change in the development of history. Not only is the above very sober about this, but we also know below, but locally, more considering their political achievements during their tenure, they are still continuing to drink to quench their thirst, of course, I am also sitting and talking without back pain, after all, the current housing prices in Shanghai are still within a reasonable range..... The last ** rise is the reason for monetary easing and money printing. ”

Lu Guotao took over the topic unhurriedly and said: "This round of regulation and control is very strong, if I guess correctly, it will be popularized immediately, in fact, some places have implemented the same right to hire and purchase for a long time, but it has not been put in the clear, and then it will be legislated for the rental market..... In fact, these things are already being discussed, and after these policies are implemented, I guess..... It's just that my guess is that there will be a significant increase in the down payment ratio, loan interest rate, and transaction tax on second-hand homes..... In order to lock in liquidity, so that housing prices will not fall, but second-hand houses cannot be realized, so they can only be rented out....."

After a pause, Lu Guotao said: "Let me guess, state-owned enterprises will follow up the construction of rental housing, and this rental policy, one is a long-term regulation mechanism, the other is to connect the regulation and control of commercial housing, to prevent the regulation and control to cause a decline in the growth rate of commercial housing investment, and then drive economic growth.....”

Cheng Xiaoyu said in his heart: Sure enough, it is still the development model of a new country.

Lu Guotao's answer said the direction of the future, and did not give an answer of his own, but in fact, Cheng Xiaoyu does not need an accurate answer, he just wants to understand what kind of attitude Lu Guotao is at a level, and what kind of attitude he has towards housing prices, it seems that both Lu Guotao and Yang Junwen are very clear in their minds, and it is very accurate to grasp the development of the Guo family, and the ability is there, but when it comes to Lu Guotao's level, the ability is basically not weak, for Cheng Xiaoyu, whether to help others or not depends mainly on the eyes and character.

After a little consideration, Cheng Xiaoyu said: "I just heard Secretary General Lu's words, I had an immature idea, everyone should know that the credit system of the United States is very perfect, whether it is work or renting a house, you need a credit report, but in China only when you take out a loan, you can use it, but China's loan review is still too strict, and in order to reduce the risk, the bank will lend money to intermediaries, and the intermediaries will lend high amounts to people who need loans, for many people with credit, credit is also difficult to realize.....

"Xiyu has a financial platform called Wanyu Finance, I hope to access the credit system, and then let Wanyu Credit more access to life services, I think the city can reach cooperation with Xiyu and Wanyu Finance to jointly build the country's first smart housing rental platform. Let the rental housing in the city fully introduce Wanyu Credit, and use the capabilities of real person authentication, credit evaluation, mortgage-free monthly payment and credit black and white list to establish integrity files for landlords, tenants and intermediaries ....."

After finishing speaking, Cheng Xiaoyu picked up the silver spoon and took a sip of pumpkin soup and said, "Of course, it doesn't matter if you don't access the credit system..."

Cheng Xiaoyu's answer seems to have nothing to do with the introduction of innovative industries, and can only be said to have something to do with the real estate industry just discussed, but Lu Guotao naturally immediately understood Cheng Xiaoyu's actual thoughts, he wanted to establish a credit system similar to the United States in China.

There are intermediaries that provide credit reporting services in the United States, namely the American Credit Management Association, the Credit Reporting Association, and the American Debt Collection Association. Through their branches, they collect credit information from Americans and compile reports to sell to individuals or organizations in need.

In addition, the United States also has other systems related to credit management, such as credit repair, credit scores, and the like. As for Huaxia's credit system, it is much simpler, and China does not yet have a formed credit system.

The credit history that banks will check when issuing loans is a credit report issued by the People's Bank of China. In fact, the content of this report mainly involves the use of credit cards of lenders, whether there are overdue payments, the number of overdue repayments in recent years, etc., which cannot be compared with the credit report in the United States in terms of convincingness.

The credit history of the United States is immersed in the daily life of Americans, from opening an account in a bank, applying for an ordinary mobile phone card, renting a house, to buying insurance, taking out a loan to buy a house, all of which are closely related to consumers' personal credit records.

Obviously, Cheng Xiaoyu's goal is not to get a platform or a financial company, but to establish a financial system in Huaxia, which is equivalent to establishing a set of order in addition to state-owned banks, Lu Guotao couldn't help but gasp, if this can really be done, although it is not considered to increase the innovative industry for Shanghai, it can greatly strengthen Shanghai's position in the financial center of China.

Of course, if you want to establish a system, the difficulty is extraordinary, but Lu Guotao believes that for a god like Cheng Xiaoyu, as long as he wants to do it, there should be no problem.

Lu Guotao couldn't help but stand up suddenly, planning to stop eating, and now pull Cheng Xiaoyu to go to Mayor Guo to discuss how they need to cooperate, but seeing Cheng Xiaoyu's indifferent expression, he immediately took a deep breath, raised his wine glass from the table and said: "Director Cheng, you are really generous, you are doing something that is beneficial to the present and the future, I salute you....."

Although everyone didn't quite understand what an amazing thing Cheng Xiaoyu planned to do, when they saw Lu Guotao standing up, and also said such a big thing as "merit is in the present generation, benefit is in the future", they naturally understood that what Cheng Xiaoyu just said must be very important, so they all stood up with a hula and raised their cups.

Only Li Yuejun rolled his eyes, thinking that Lu Guotao must be filming Cheng Xiaoyu's sycophants and making a big fuss.

The next meal can be described as the pleasure of the guests and hosts, and they are not talking about national affairs, but instead ridiculing the private affairs of their children, such as Chang Yue and Yang Ruyin, and Cheng Xiaoyu and Xu Qinning, all of whom were asked about their wedding dates.

Chang Yue naturally respectfully said that it depended on Yang Ruyin's meaning, and Yang Ruyin was naturally still waiting for her family's consent.

Of course, Yang Junwen was not objecting to the marriage of Chang Yue and Yang Ruyin at this time, thinking about how to make Chang Yue integrate into Cheng Xiaoyu's system, it was obviously not enough to buy some stocks in Shanghe to make some money, and this time it should be a good opportunity, so he said for the first time during the banquet, "I hope I can hold my grandson soon...", which implies that Chang Yue and Yang Ruyin will get married soon.

As for Cheng Xiaoyu, he laughed and joked to himself: "The glorious tradition of our Shanghai men is to be afraid of their wives, so I also have to look at Miss Xu's face..."

Towards the end, Lu Guotao specially called Li Dongjian to toast Cheng Xiaoyu, Li Dongjian poured a full cup himself, bowed his body and said to Cheng Xiaoyu apologetically: "Yushen, I was really embarrassed about that incident last time, I really didn't know that Gao Yuehan was so ignorant that he would lose face and throw himself to you.... I salute you, I toast, you feel free to hope you can understand. ”

Cheng Xiaoyu hurriedly waved his hand and said: "Even if the past is in the past, it is actually not a big deal, last time Gao Yuehan and her aunt came to our house to say goodbye, I said that as long as Aunt Zhou doesn't mind, I won't pursue it." ”

Li Dongjian drank a large glass of whiskey in one gulp, wiped his lips and said, "Yes, I don't know much about them apologizing, I have broken up with her." ”

Cheng Xiaoyu also drank the remaining wine in the glass in one gulp, and then said with some surprise: "You broke up.... It can't be because of that, is it?"

Li Dongjian smiled bitterly: "Of course not, it's because Gao Yuehan's aunt kept a male pet and it was spread on the Internet..... Everyone knows about this now, and her aunt is getting a divorce..... Even Gao Yuehan has also been affected a lot, and now she has resigned.... I don't even know what she did. ”

Li Dongjian lowered his head slightly, and said in shame: "I'm also a little ashamed, I don't have the courage to bear such a big gossip with her.... Maybe I don't like her enough. ”

Cheng Xiaoyu didn't expect things to turn out like this, but thinking of what he experienced that night, he didn't feel that there was anything wrong with Li Dongjian and Gao Yuehan breaking up, he patted Li Dongjian and said: "It's right to break up...."As for why it's right, he naturally won't say it.

Li Dongjian didn't want to be crooked, after all, it's normal for Cheng Xiaoyu to dislike them, anyone who pretends to be B to his house, I'm afraid it won't have any good senses, at this moment Li Dongjian still feels relieved, he is still a little afraid that Cheng Xiaoyu feels that he abandoned Gao Yuehan so quickly, too powerful, seeing Cheng Xiaoyu answer like this, he put his mind at ease, and said: "Director Cheng, I am working in Jin'an District now, if you can use me for anything, you must give me a call...."

Cheng Xiaoyu took the business card and looked at it, it read: "Deputy Director of the Employment and Entrepreneurship Office of the Jin'an District Commission of Commerce", Cheng Xiaoyu put the business card away, and said with a smile: "Okay, maybe there is something that can really trouble you...."