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, the county magistrate Yang Chengdong suddenly called Bao Feiyang to his office, and said to him with a stern expression: "Feiyang, just now the county magistrate of Songping called from the city, he held a financial meeting in the city, the city construction bank said that next year's bank will be tightened, in the Linhai Highway project, it is likely that it will not be able to provide much support." We may have to think of another way. ”

Located in the Haizhou Bay Economic Radiation Zone, the Linhai Highway that plays an important role in the future development 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 that is 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 are not so strong, 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 order to respond to the spirit of the central government's realization of a soft landing of the economy, to cool down the overheated economy, the bank tightened the monetary system, and it was somewhat difficult to get a loan from the bank. It is difficult to say that this is simply because of the bank's own financial constraints, but 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 very strong, or that some leaders in the city do not attach much importance to it.

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

Yang Chengdong had a bitter face. Shook his head helplessly: "ICBC and ABC are even more reluctant to provide loans, they said that this kind of transportation construction project should find the construction bank in terms of business division, and their loan amount next year is now basically divided, a large part of the loan amount 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, the attitude of several banks in the city is probably not just prevarication. After all, the loan plates of these companies are not large, and the overall situation is still a situation where there are 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 and development of the paper industrial park, the further formation of the project operation, the future Wanghai County Government fiscal revenue growth is expected, and in the entire paper industry zone important transportation hub of the bridge to charge tolls. 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, banks must first ensure that they give priority to the completion of various administrative tasks assigned by their superiors.

Of course, Wanghai County also has its own credit cooperatives, but there are more places in the county that need financial support, and the plates are smaller, so if the quota is put on the road and bridge project. It will inevitably take up the vast majority of the loan amount that credit unions can provide, squeeze the supply of funds in other areas, and cause other related projects to stagnate, 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 the work of governments at all levels focusing on the development of 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 Tongguò investment promotion in this way to introduce a lot of direct investment, but these direct investment also have a strong demand for credit funds, such as a 5 million investment project, investors in the early stage of the project may take in 3 million of their own funds, and then hope to borrow 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, can achieve the best combination of resource advantages, As a result, even deep-pocketed investors like Fangxia Paper and Indonesia's Sinar Mas Group may have to apply for loans from banks.

Some of the loans from these investors are financed by the banks in Guò County, but the banks in the county have limited credit and cannot afford to support some large projects. In this case, the city needs to support these projects with a large need 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 a conversation with Yang Chengdong, Bao Feiyang returned to his deputy county magistrate's office, took out a phone book from a desk drawer, and found Wu Shude's name. I made a call to Wu Shude, the president of the Municipal Construction Bank.

For banks, they have money in their hands, so it is their power to give to who not to give, in the face of those who want to borrow money, the bank is very confident, and those enterprises that need loans are looking for various relationships to dredge, hoping to get money from the bank. But banks also want high-quality customers, such as those with strong pockets like Fangxia Paper Company and Indonesia Sinar Mas Group, whose companies usually have tens of millions of working capital on their books. Moreover, lending to such customers is protected by their own strong assets, and they do not have to worry about repayment.

Fangxia Paper's company account was opened in Wanghai County Industrial and Commercial Bank, but Fangxia Group's office in Jingcheng City opened an account in the Municipal Construction Bank, and the monthly turnover was tens of millions, which was a big customer of CCB.

"County Magistrate Bao. I'm really embarrassed, 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, and the amount of funds needed is very large, and we can only squeeze everywhere. ”

Bao Feiyang asked with some surprise: "Will the silver be so strong next year?" ”

"Yes, it said that the results of this year's regulation are not very ideal. In particular, the momentum of duplicate construction of many projects has not been curbed, so the control of the project next year should be increased. 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 independent, but under the current system, local banks are still affected by the government. The government wants to build roads and bridges, and it needs to borrow from banks; State-owned enterprises are in trouble, they can't pay salaries, and they have to ask banks to take out loans, and although many projects are not considered economical by banks, they also have to lend 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 development prospects, they cannot come up with funds.

"Well, I know your difficulties, Governor 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 would 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 first." 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 of Songping has a relationship in the city, and if he can win more total credit for the county, it will be a great contribution to the development of the county!" We also want to ask the governor of Matsudaira to find a way to get more credit for the county, and I also talked to the presidents of several banks on the phone yesterday, and they all said that they have difficulties, but they will support them - it seems that it is very difficult, but at least it shows that we still have a chance. (To be continued......)