Lin Quan, Pan Chunbing, Gu Liangyu. Pen, Fun, Pavilion www.biquge.info Ding Xiangrong and the four of them stood together, Panchunbing is most like the big boss Gu Liangyu, introverted and unassuming, Ding Xiangrong works hard, is thin, but Lin Quan is too delicate, but Panchunbing and his brother look like Zhou Mi, recognize it at a glance, and walked over and held Lin Quan's hand: "Mr. Lin came to Luan County as a guest, I am here to welcome Mr. Lin." Looking sideways at Ding Xiangrong, "Why didn't Teacher Lin come over?" ”

Zhou Mi had known about Lin Quan's existence for a long time, but he was curious in his heart, the United Investment Group was unknown, and it was far inferior to enterprises such as Upper East Capital, Lijing and Huang in Jinghai City, Lin Quan's age was very young, Lin Plenipotentiary was his father, but he worked in the foundation, and Shihui did not conform to the domestic legend and the logic of ordinary people.

Lin Quan thought that the news of Luan County was really well-informed, and said with a smile: "After a long time in the car, my father is a little tired, so he went to the yard to rest." ”

Zhou Mi saw Li Ji present and asked, "Does Dr. Li know Mr. Lin?" ”

Lin Quan replied on his behalf: "I also graduated from the provincial government, and since then, Mr. Lin Qinnan has been guiding me to do some learning, and Li Ji is my senior brother." ”

Zhou Mi is a little puzzled, the relationship between Lin Quan and Lin Qinnan is not in the usual sense, teachers and students seem to be more close, some economists and the rich have a close relationship, it is commonplace in China, but with Zhou Mi's observation of Lin Qinnan over the years, he does not seem to be a scholar who tends to be inflammatory.

Li Ji said: "Mr. Lin stopped by to care about poverty alleviation, and Professor Lin will rush to Luan County the day after tomorrow." ”

The full name of the Poverty Alleviation Society, Luanxian Poverty Alleviation Economic Society, is presided over by Lin Qinnan and accompanies the power of the National Academy of Social Sciences and Minxing Bank. It was the first in China to create a rural small-amount credit poverty alleviation pilot project in the form of a non-governmental organization.

Poverty alleviation, which draws on the model of the Bangladesh Rural Bank, provides a wide range of small credit goods to poor villages in the form of poverty alleviation funds directly to the villages, and provides entrepreneurial guidance to borrowers, thus exploring a new way for the effective use of poverty alleviation funds to deliver the economic status and social status of poor households, especially poor women.

At present, 6ooo households in Luan County have been lifted out of poverty through the help of the micro-payment project. Pan Guoxing's initial contract for the orchard was also a payment of 2,000 yuan from the Poverty Alleviation Society.

Microcredit loans have become an important means of financing for rural households in Luanxian County. The micropayment model is changing the borrowing habits of local people and influencing their lifestyles.

Luan County got rid of the pretense of being a poor county in 02, and the poverty alleviation society is a place to make a certain contribution. However, the source of funds for poverty alleviation cooperatives is very limited, and the scale of poverty alleviation cooperatives is limited. Because the poverty alleviation cooperatives belong to the semi-public welfare industry, the profitability is very weak, and the commercial capital chasing profits will not participate in it at present, mainly from the social science fund and the World Bank's interest-free loans, at present, there are more than 10 public welfare and academic institutions similar to the Luan County Poverty Alleviation Society in the central and western regions of China, but the scale is not large, the scale of Luan County poverty alleviation is still quite large, after ten years of development, the current family base is less than 5 million. On the other hand, although the scale of poverty alleviation cooperatives is small, it also belongs to the category of financial institutions, and the entry of funds is very strictly controlled and controlled. Even if there is a public welfare fund, it will be quite troublesome to invest in the poverty alleviation society.

With the development of Luanxian County's economy in recent years, its dependence on poverty alleviation cooperatives has become smaller and smaller, after all, the poverty alleviation cooperatives have released only 5,000 yuan of small payments, and the direct promotion of the county economy is no longer very obvious.

Zhou Mi knew the purpose of Lin Quan's trip from Li Ji's mouth, and was a little disappointed, but in Luan County, it depends on his ability to pluck the feathers.

It was still early before the time to eat, and the group continued to visit the fruit factory, the fruit stone was the investment of Gu Liangyu and Pan Chunbing, Lin Quan believed that they had the ability to take care of it, there was no need to work here, he was not interested, and he really wanted to go to the orchard in the back mountain, and asked Pan Chunbing if he had prepared a shotgun to shoot birds.

Gu Hao's thinking was clear, his eloquence was good, and he talked about the future plan of the fruit factory with great interest, Lin Quan couldn't bear to sweep the excitement of Panchun Bing and Gu Liangyu, thinking that Professor Lin would only come to Luan County the day after tomorrow, and he would have time to rest tomorrow, so he would press down and listen to Gu Hao's explanation. Based on Gu Hao's plan for the fruit factory, the fruit factory is currently mainly building a sparse and fresh warehouse, adjusting the seasonal supply of fruits and vegetables, starting from solving the contradiction between seasonal supply and demand, chasing gradual profits, but to initially affordable, deep processing, opening all kinds of juice products, pursuing high returns, Gu Liangyu and Pan Chunbing will invest two or three hundred million dollars in the fruit factory in the next few years, and have always thought that Lin Quan will be the last funder, and has been observing, he saw Lin Quan's face, and he was really disappointed in his heart. Later, Gu Liangyu and Panchun Bing put forward several targeted opinions to make Zhou Mi understand, and it seemed that the affairs here did not need Lin Quan to intervene personally.

Luan County is a large county of forest fruits, the annual production of forest fruits is 100,000 tons, mainly supplied to the central part of the city, Gu Liangyu invested in this fruit stone can only meet the needs of Hsinchu Township, the county at least to build the same scale of fruit sparse fresh-keeping warehouse ten to meet the needs, to carry out high value-added deep processing, more funds are needed.

Zhou Mi glanced at Lin Quan, his eyes narrowed slightly, and he seemed to know that he didn't listen to his nails just by staring at his nails, and thought: "Since your trip is related to the affairs of the Poverty Alleviation Society, it seems that the topic is going to the Poverty Alleviation Society, and said: "Professor Lin has been engaged in the poverty alleviation society project in Luan County for more than ten years, and has done a lot of work to help farmers in Luan County get rid of poverty, but the work of the poverty alleviation society can only get rid of poverty, not get rich, and it cannot be said that there are no regrets." ”

The best way for local officials to avoid mistakes is to express their stance less, Lin Quan turned his head sideways to look at the thoughtful "oh", and there was no bottom. But the senior brother Li Ji does not have so many rules, he has been in charge of the project research on behalf of Lin Qinnan for more than a year, and is very familiar with the situation in Luan County, saying: "The poverty alleviation society can put a small amount of two or three thousand yuan a sum of two or three thousand yuan, ten years ago, the two thousand yuan of money can still do some things, and now the farmers want to do something on a slightly larger sideline, and the compromise policy used by one household has relaxed the upper limit of the payment to 20,000 yuan, but compared with the scale of the agricultural project, 20,000 yuan is still not enough, and it cannot get rid of the pattern that Zhou Shuchang said "can only get rid of and cannot get rich". ……”

Zhou Mi was really grateful to Li Ji in his heart, and said through his words: "Dr. Li is right, as far as the Guoshu Fresh-keeping Warehouse is concerned, the county has consulted the professors of the agricultural school. The establishment of a storage scale of two or three hundred tons of fresh storage can create certain economic benefits. The price of forest fruit is low in the peak season and high in the off-season. The use of fresh-keeping storage to adjust the supply, even if the output of two cents per catty is more than two cents, the benefit of 300 tons of fresh-keeping warehouses has more than 100,000 yuan of income every year, but the investment of 300-ton fresh-keeping warehouses is more than 300,000 yuan, which is not something that ordinary farmers can afford, even if some farmers have some vision, they can't raise so much money. Gu Hao built a fruit factory in Hsinchu Township, and I thought that if there were ten storage bases of this scale in the county, one fruit ban would increase the income of farmers in the county by several hundred yuan per year.

Lin Quan said: "Indeed, the release limit of the poverty alleviation society really needs to be adjusted upward, Lin Quan turned his head and asked Li Ji, "If a rural bank is established, the upper limit can be adjusted to 500,000."

Combined with the domestic situation, it needs a gradual process, and it is suitable to adjust it to about 50,000 yuan, which is suitable to take the example given by Secretary Zhou, and each household can sell 50,000 yuan, and six farmers can build a 300-ton fruit storage warehouse with the cooperation of six farmers, plus the seed value, transportation, and sales, even if it is a small fruit enterprise......"

Zhou Mi only borrowed something to change the topic, but didn't want to continue the discussion, so as not to be too abrupt to the guests. Ding Xiang saw that there was a fundamental gap between Zhou Mi and Lin Quan's thinking, and Zhou Mi was confined to Luan County, hoping to bring as much investment as possible to Luan County, but Lin Quan was concerned about an ordinary dismissal plan, which was not only applicable to Luan County, but also to a wide range of areas in the central and western regions that had not been lifted out of poverty.

In the past ten years, Mr. Lin Qinnan has been focusing on the research of the small loan project, which is not only to establish a poverty alleviation cooperative in Luan County, but to explore a way to prepare for the establishment of a national rural bank. Not only in terms of operational system, financing channels and scale, but also in terms of obstacles to domestic financial mechanisms.

There are dozens of small loan pilot projects in China, but the scale is not large, the total scale is less than 200 million, the scope of benefits is only limited to a corner, due to capital restrictions, can not carry out more amount of business, the beneficiary group is also quite narrow, for the domestic moraine is undoubtedly a drop in the bucket, but the scale has not been able to grow, the biggest bottleneck is also at the policy and legal level, the small credit organization can not determine the legal identity, seriously affecting the organization of the exhibition, and there is no financing channel, affecting the fundraising of the institution. According to the requirements of the central bank, the pilot company of small-amount credit is not allowed to absorb deposits from the public, and can only use 'its own funds from several limited shareholders and approved financing from one institution to carry out relevant business' to prevent the risk of multiphorny. Strictly speaking, this kind of scale is not legal in China. It is irreversible in the general direction of small-amount credit, and there may be a legal breakthrough this year, and the small-amount loan company will gain the same status as commercial financial institutions.

In Lin Qinnan's efforts, the provincial government negotiated with the Chinese Academy of Social Sciences, Minxing Bank and Citibank, and the training center for small payment business to further standardize the operation mode of small loan projects in various places. After Lin Qin's request, the Xizhai Foundation provided part of the operating funds for the training center, and Lin Qinnan wanted Jinghai International Business Institute to also participate in this project, more precisely, he hoped that Lin Quan would participate in this project.

Although Nantou Group cooperated with the municipal government to put forward a feasible plan for the restructuring of Jinghai City Commercial Bank, the provincial approval has not yet come down. Among the limited high-quality assets of Jinghai Commercial Bank, the only asset that made Lin Quan covet was the 96 million corporate shares of Minxing Bank owned by Jinghai City Commercial Bank.

Lin Quan is quite interested in the 96 million shares of Minxing Bank, and this part of the equity assets can be sent to the asset structure of Liantou; Jinghai City Commercial Bank, which is only confined to one place, is of little significance to Liantou, but it is very important for Liantou to gain the right to speak within Minxing Bank. But at this time, he was afraid that the trial would be seen as a robbery, and he hesitated. For this reason, Lin Quan often scolded himself: If you want to save face, you can't make money.

Nearly three-quarters of dozens of small-amount loan projects in China are supported by Minxing Bank, and Lin Qinnan also served as an independent director of Minxing Bank for a time.

Zhou Mi saw that Lin Quan was only grateful to the Poverty Alleviation Society, so he notified Zhang Tong, the former director of the Poverty Alleviation Society, to come to Hsinchu.

Zhang Tong and Lin Quan had heard of it, but he had not seen Lin Qinnan, who first went to Luan County to carry out a pilot project of poverty alleviation cooperatives. Zhang Tong was a staff member of the county poverty alleviation office, and assisted Lin Qinnan in managing the poverty alleviation society as a government official, and later resigned from public office to concentrate on the management of the poverty alleviation society. these years. The domestic media paid attention to the small-amount loan poverty alleviation project and gave a lot of introduction to the high-spirited poverty alleviation.

As the most successful pilot project of small loans in China, Luanxian Poverty Alleviation Cooperatives has accumulated more than 60 million loans for more than 10 years, although it has a joint guarantee system as the foundation, but the problem of arrears is inevitable, the recovery rate has reached 98%, but the bad debt rate of less than 2% has been severely questioned by some media.

Lin Quan thought about Jinghai City's data six or seven times higher than this. I thought that the public servants and the media were really demanding of the domestic public welfare industry.

In 03, Zhang Tong couldn't withstand the pressure from Xuehua and the public, and his position in the poverty alleviation society could not rebel against the establishment of the county government, and Lin Qinnan passed the relationship with the Academy of Social Sciences. He was hired as a consultant at the Micropayments Training Centre and continued to work in the Poverty Alleviation Society.

Zhang Tongren has not yet arrived in Hsinchu, but he received a call from the county quarterly office. Nanfeng Mayor Wen Xilai and Zhou Xueren, secretary of the Luoran County Party Committee, had just arrived at the county party committee compound. Zhou Mi was sitting opposite Lin Quan when he answered the phone.

Unnaturally glanced at Lin Quan, and he didn't expect Wen Xilai and Zhou Xueren to chase Luan County to make up for his losses after Lin Quan left. In this way, Nanfeng City has come to a conclusion on the Gongyu incident.

"Mayor Wen and Zhou Xueren of Nanfeng have just arrived in Luoran, and I have to rush back to the county to receive them." Zhou Mi said this to test Lin Quan's attitude, if Lin Quan asked, he would come by the way, and Zhou Xueren said two good words.

"Then I won't keep Secretary Zhou, and the day after tomorrow, Mr. Lin Qinnan will come over and hope that Secretary Zhou will come to guide the work.

Zhou Milian said: "I don't dare to be sure to come." He and Xiao Gui, deputy director of the county party committee office, left the Panjia courtyard and left Ma Zhankui, the township chief, to accompany Lin Quan.

Zhou Mi left Hsinchu and drove less than half an hour to the county party committee compound, Wen Xishui was a big but not thoughtful direct leader, and Zhou Mi could say casually: "Mayor Wen is here to guide the work, right?" Just in time for dinner, the mayor of Luanxian Dixiaozao Bao ate it once, and he thought about eating it a second time. ”

"Is Mr. Lin still in Luan County?"

"Which Mr. Lin is Mayor Wen looking for? I just went to Hsinchu Township with Xiao Gui, and met a few Mr. Lin in Hsinchu Township. "Zhou Mi's half-truths and half-truths depend on how much information Wen Xi knows, Zhou Mi thinks that Lin Quan's qi is not so big as to tolerate such a degree of neglect by the Nanfeng City Government, but it is better to be careful not to let Wen Xi come into contact with Lin Quan.

"Hsinchu?" Wen Xi looked at Zhou Xueren: "Aren't the two vice presidents under Mr. Lin from Hsinchu?" ”

"Oh, Mayor Wen is talking about Mr. Lin of Liantou." Zhou Mi hurriedly confessed, so as not to embarrass Wen Xi.

"Lao Zhou knows that Mr. Lin is the boss of Liantou?" Wen Xi looked at it carefully.

Zhou Mi asked strangely: "Isn't it one of the founders of the Xizhai Public Welfare Foundation, do you know what's strange?" ”

Wen Xishui patted his head and said with a wry smile: "My brain is a little messy, I knew that Liantou was one of the people behind the Xizhai Public Welfare Foundation, but I didn't expect that this Liantou was the big investor behind Xinbo City." I led a team to Xinbo to inspect the hydropower project, and as soon as I rushed back to Nanfeng at noon today, I heard Zhou Xueren report on Gong Yu's affairs, so I rushed to your territory in a hurry. ”

Wen Xilai's mood was a little impatient, but his speech was still slightly spicy.

Xinbo and Kaiyuan and Nanfeng do not belong to the same province, but the geographical location is not far away, Xinqiu's recent big move open source has also heard of it, but the institution that intends to invest in Xinbo has not stood in front of the media and the public, and is only willing to be an invisible investor.

Zhou Mi heard Wen Xilai say this, and thought to himself that he had chased to Luan County without saying hello to other leaders of Nanfeng City, and Min was not afraid that the internal contradictions in Nanfeng City would intensify? What's more, how to deal with the Gongyu incident is not him, Wen Xi is alone, and he said thoughtfully, smiled slightly, and said: "I don't know that Mayor Wen is here to find Mr. Lin from Liantou." Received a call from the county party committee, I heard that Mayor Wen and Lao Zhou came over, I was sitting opposite Lin Quan, he didn't seem to have any special reaction, Nanfeng City sent Mayor Wen to Hsinchu to chase Mr. Lin, I will work hard to accompany you on a trip. ”

How can you not hear this fragrant text outside the strings? Zhou Mi was afraid that their trip would go against the collective opinion of Nanfeng City.