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Chu Yunsong and Chu Jingxuan's father and daughter signed the contract very formally, went through the mortgage procedures, and then signed their respective names and stamped their names, which was considered a success.

"For the time being, this is the largest loan we can ever make to an individual." Chu Yunsong said with a smile, "But I'm very interested in your two factories, watch Ye Kai carefully, and save yourself all the dowry." ”

"It doesn't matter if you lose it, let Ye Kai pay the money, and let you bring these two factories back to me as a dowry, no matter how you look at it, I am not a person who will suffer." Chu Jingxuan replied as a matter of course.

"Feelings are calculated, the two of us are the ones who work for nothing?" When Chu Yunsong heard this, he immediately laughed.

"That's for sure." Ye Kai also smiled, "Actually, I don't suffer a loss, I married Miss Chu, and I directly took away half of her property, and I still lost it." ╔╗”

"How can it be so easy, I have to find out your family background before I consider whether to marry you." Chu Jingxuan also smiled, "Heaven take off how much private money you have hidden." ”

Although they are very curious about Ye Kai's family background, this kind of topic is really not easy to ask, especially under Ye Kai's own name, it is not suitable to keep too much money at all, otherwise it will be a big trouble, so Ye Kai's money exists through other aspects.

The most important thing is naturally the funds controlled by Zhong Liyu's side, and the rest are also in the hands of the women, although Ye Jianhuan's side also has his investment, but Ye Kai never planned to get it back, after all, hundreds of millions of funds are just a drop in the bucket for him.

"I don't really have any money in my own hands...... Ye Kai immediately said, "But if you want to make money, that is, in a word, the next twenty years will basically be a good time to make easy money, but you don't need to worry about running out of money to spend." ”

"Are you very optimistic about the situation in the country?" Listening to Ye Kai's words, Chu Yunsong asked with some curiosity. ╔╗

As a matter of fact, in recent times, there has been a lot of discussion on the direction of the economy, and there are also very different opinions on whether or not it is possible to establish a market economic system, and no one dares to deny the necessity of reform.

For example, there are many differences on the issue of restructuring state-owned enterprises.

Although Chu Yunsong has maintained a relatively steady attitude in this regard, from the bottom of his heart, he still supports the reform of the financial system, believing that if the domestic financial market is to achieve benign and healthy development, there must be fundamental changes, otherwise, there will always be many problems that cannot be bypassed.

"When we talk about the reform of the financial system, we cannot fail to mention the issue of state-owned enterprises." Chu Yunsong said to Ye Kai with some feelings: "The drag of state-owned enterprises on banks is indeed very serious, and the bad debts of several major banks may now exceed the scale of trillions, if this problem is not solved, it will be difficult for the financial industry to rise." ”

Ye Kai is also very clear about this problem, and now on the surface, the biggest problem plaguing state-owned enterprises is actually triangular debt, but if you look at it at a deeper level, it is still the loopholes in the system that are causing trouble. ╔╗

"The problem of triangular debt is indeed more troublesome, and this is a problem caused by the lack of commercial credit." After Ye Kai listened, he also nodded.

The problem of triangular debts of state-owned enterprises, from the root cause, should be caused by the distortion of commercial credit between enterprises, and this problem has never appeared in the history of economic development of any capitalist country.

"Commercial credit is the cornerstone on which capitalism depends for its survival and development, and it is still a universal credit relationship under the conditions of a mature market economy, but there will never be a phenomenon similar to China's triangular debt." Chu Yunsong is an expert in studying this content, and he is naturally very touched when he talks about it, "because under the premise that the property rights relationship between enterprises is very clear, this kind of commercial credit relationship is guaranteed by reputation, backed by economic benefits, and based on the law, and enterprises have a strong sense of risk and competition. ╔╗”

Ye Kai nodded, state-owned enterprises lack commercial credit, this phenomenon is indeed very serious, the most critical point is that everyone is a national enterprise, and they owe each other, and the meat is rotten in the pot.

But the meat became more and more rotten, and finally became moldy and spoiled, which eventually led to all state-owned enterprises being caught in the whirlpool of triangular debts, and finally they couldn't jump out.

"Actually, this time I investigated in Linggang and found this problem." Ye Kai said to Chu Yunsong, "The reason why Shao Jiangping was able to make Ling Gang stand out was because under the circumstances at that time, he withstood the pressure and refused to sell on the account, and all the products were sold in cash, so Ling Gang did not fall into a triangular debt crisis. ”

In fact, Shao Jiangping did more than that, for the scattered debts that could not be recovered, he specially organized a debt collection group, took turns, and used more radical means, and finally recovered about ninety percent of the debts outside, and this part of the cash also became a very solid pillar that Ling Gang could develop at that time. ╔╗

"Two years ago, the state affairs and the court did the work of cleaning up the triangular debts of state-owned enterprises." Chu Yunsong said, "At that time, I also participated, and one of our state-owned enterprises conducted a survey of all users in arrears, and found three situations through investigation. The first is that the arrears of the production of sluggish production, product backlog or difficulty in the recovery of payments, triangular debt chain reaction, indeed unable to repay a large number of loans, can only walk slowly, more use and less repayment, the relationship is continuous, to maintain production, such manufacturers can account for about 60% of the arrears of households. The second type of arrears is not that they have no money to repay, their production and sales are relatively normal, but the money is used to build office buildings, buy cars, pay bonuses and eat and drink, and some even build private villas on a large scale, their attitude is to ask for money and no money, but to die, in order to maintain production, adopt guerrilla tactics, shoot a shot to change a place, today to this factory on credit, tomorrow to that factory on credit, do not consider the problem of repaying the loan at all, this kind of fraudulent users account for about % of the arrears of households. The third type of arrears is on long-term vacation, and the factory is facing closure, and some have been shut down and transferred, which accounts for about 20%. This problem has existed for a long time, and it has indeed caused a lot of pressure on the operation of some enterprises, and many excellent enterprises have been crushed in this way.

Ye Kai listened and nodded.

The reason why state-owned enterprises want to carry out property rights reform is, to a large extent, that they see problems in this regard, and if they do not carry out reforms, the problem of triangular debts will become more and more serious, and eventually all state-owned enterprises will be brought down.

As a matter of fact, the goal of the reform of state-owned enterprises is to establish a relatively normal market economy that is in line with economic laws and to establish the state's own commercial credit system.

"Two years ago, the State Council organized the clean-up of triangular debts, which did play a great role and saved many enterprises, but it was not very thorough, and now this problem has shown signs of a comeback, so the reform of state-owned enterprises is urgent." Chu Yunsong said with some emotion, "It is also very important for the reform of the financial system, and if we do not get rid of these burdens and dissociate ourselves from state-owned enterprises, banks will not be able to really play the role of banks." ”

In fact, if the root cause of some problems is not solved, troubles will continue to appear.

Without the establishment of a commercial credit system in China, this triangular debt problem cannot be solved.

"Sometimes, banks are reluctant to lend, but when the interests of local governments and enterprises are tied together, they will do everything possible to put pressure on you and exert influence so that you have to agree to their loan requirements, but after you get the loan, it is not used for development, but for eating, drinking, and spent, which makes people very angry." Chu Yunsong said, "It won't be long before they come over and ask for loans again, you say that you encounter this kind of scoundrel-like enterprise every day, can your financial system do it?" ”

"So in contrast, the private sector is more dynamic now, because they have more and more flexible ways to deal with this kind of thing." Ye Kai said with a smile, "For example, Xiaoxuan's factory, after paying cash in advance, is waiting in line for the product to go offline, of course, there is no need to worry about the problem of triangular debt." ”

In fact, there is no way to pay in cash, if it is in the normal commercial credit system, there is no need to be so troublesome, after the contract is signed, it naturally has its legal binding effect, but after all, there is no blade in the country, the law to do this, if you dare to do this with them, just wait to find someone to collect debts, maybe you can't even find the door of the company.

"Relatively speaking, our bank is better, on the one hand, it is established later, and there is less historical baggage, and on the other hand, we have noticed these problems from the beginning, and the investment direction is different." Chu Yunsong said, "However, it is said that the above intends to rectify the banking industry and completely solve the problem of bad debts, so that financial enterprises can travel lightly." ”

"Trillions of bad debts, how to solve them?" When Chu Jingxuan heard this, she couldn't help but ask in surprise.

"How else can it be solved?" Chu Yunsong shook his head and said, "It can only be paid by the state." ”

Ye Kai listened, but he didn't say anything, the country is originally a very general concept, the so-called state pays, isn't it equivalent to all the people paying for it, it's just that there is a little bit of skill in the hair, so that ordinary people feel that it has nothing to do with themselves.

The problem of unclear property rights is indeed widespread, and if this problem is not solved, it is everyone whose interests will be damaged.