Chapter 528: Fooling Loans
As soon as Duan Zetao saw Long Yongchuan, he knew why he was here, but he deliberately pretended not to know, stood up and greeted him, and said with a smile: "Long Xing, how can you, the God of Wealth, have time to come to my poor yamen today!" ……”。
Long Yongchuan said angrily: "Brother Zetao, your 'house five' can make our bank suffer, our mortgage business has shrunk by nearly one-third, and now many real estate companies are affected by ' Fang Wutiao's impact, can not afford to repay our bank loans, resulting in us a lot of bad debts and bad debts, far from it, Dream Lake Park real estate company boss Long Yunxiang this run, our CCB suddenly more than 40 million bad debts, I heard that you, the mayor, today on the spot to say that the city urban construction investment company to take over the dream lake park real estate project, then the dream lake park real estate owes us CCB money is not also repaid by the city urban construction investment company? ! ……”。
Duan Zetao didn't care about Long Yongchuan's accusation, he personally made tea for Long Yongchuan, and said with a smile: "Long Xing, you came to Xingshi to ask for guilt after a long time, but you hit me with this stick is a little wronged, it is the real estate company that owes you money, not me, why do you ask me for a debt?!" It is a contractual act between you and you that the bank lends money to the real estate company, and the occurrence of bad debts means that your bank does not estimate the loan risk enough when approving the loan, and you can't find me on the head! ……”。
Long Yongchuan's old face was red, this matter really couldn't find Duan Zetao's head, but the implementation of the 'house five' did bring a certain impact to the bank, the mortgage business accounted for more than half of the bank's loan business, this is also the bank's favorite loan business, the risk is small, even if you can't repay the loan, there is a real estate mortgage, the bank repossesses the house and makes a profit, after the implementation of the 'house five', the business of this piece has shrunk greatly, and even the completion of the lending target task issued by the head office is difficult.
Therefore, Long Yongchuan also had an opinion on Duan Zetao's tough implementation of housing price control, so he said a little arrogantly and unreasonably: "I don't care about this, you are the mayor of Xingzhou, and the real estate companies in the city are under your control, I don't look for you to find anyone, if you don't care, then don't want to borrow a penny from our CCB system for your projects in Xingzhou City in the future!" ……”。
Duan Zetao knew where the root of Long Yongchuan's anger was, and he didn't panic when he saw that he threatened himself with not taking out a loan, and said with a smile: "Long Xing, I know you have an opinion on my insistence on regulating housing prices, but the problem of inflated housing prices has attracted great attention from the central government, and regulating housing prices is the trend of the times. The house is much bigger, maybe it will directly increase the loan interest rate and down payment ratio of the bank mortgage, I am just one step ahead......
"At present, the whole country is facing economic transformation, banks as a booster of economic development should also change their thinking, do not keep their eyes on the mortgage so a little bit of a big place, like we are implementing the urbanization construction plan, is a very good project, the loan risk is low, the return on investment is guaranteed, I can boldly predict that in the future, the country will implement the new urbanization strategy on a large scale, if the provincial construction bank can take the lead in this, it will definitely become a model for the national banking system, Maybe the Central Head Office will reward you for this......."
Long Yongchuan's eyes lit up, the banking system also wants to talk about political achievements, and suddenly became interested in Duan Zetao's new town construction plan, Duan Zetao saw Long Yongchuan's expression and immediately knew that he was tempted, and quickly took out relevant information to sell his new urbanization construction plan to Long Yongchuan in detail, and finally Long Yongchuan was completely convinced, and immediately said that the provincial construction bank would transfer a loan quota of 30 billion yuan to fully support the new urbanization construction plan in Xingzhou.
Walking out of Duan Zetao's office, Long Yongchuan remembered that his original intention was actually to ask Duan Zetao for his guilt, and he couldn't help laughing, this Duan Zetao is really powerful! It seems that every time he goes to him to collect debts, not only does the debt not materialize, but he will also be fooled by him into lending out a large amount of money, but this also shows that Duan Zetao is indeed a very capable and attractive guy, and he will definitely have a bright future in the future, and being able to have a good relationship with him will also be of great help to his future, which also makes Duan Zetao much heavier in Long Yongchuan's heart.
With the support of bank loans and the participation of powerful real estate development enterprises like Longteng Group, the new town construction plan is in full swing, but new problems have emerged, farmers in newly built towns have collectively petitioned because the compensation standard for land acquisition and demolition is too low, and they have sued the provincial government!
Governor Chu Tianxiong asked Duan Zetao to ask about the situation, Duan Zetao was still kept in the dark, the municipal government gave the compensation standard for land acquisition and demolition for the construction of new towns is 60,000 yuan per mu, and at the same time, it also allocates housing to the demolition households and pays pension insurance, this standard is not low, and when I go back to check, I know that the problem lies in the implementation of the policy by the cadres below.
It turned out that the heads of government of several new towns had enclosed land on a large scale in order to carry out political performance projects and cater to Duan Zetao's new town construction plan, so that the land acquisition and demolition funds allocated by the municipal government would not be enough, so the heads of government of those new towns privately lowered the compensation standard for land requisition, and transferred the 60,000 yuan per mu set by the municipal government to 31,000 mu.
Duan Zetao was so angry that he slapped the table on the spot, called the heads of government of those new towns and gave them a hard reprimand, "What is the purpose of our urbanization?!" It is to improve the living conditions of farmers, so that farmers can also enjoy the same happy life as urban residents, after urbanization, these farmers have permanently lost the land they rely on for survival, so the first thing to solve in urbanization is the livelihood of these farmers in the future. ……”。
"Urbanization must first do a good job of scientific planning, can not engage in the" city building movement ", your blind enclosure will only cause unnecessary waste of resources, labor and money, this is not a project to benefit the people but a project to harm the people! Urbanization should not blindly pursue scale and seek perfection, but should be combined with the actual situation, find the correct positioning, and look for investment opportunities from the two levels of traditional investment and urban supporting planning...... A few of you put down the work at hand first, go to the Party School of the Municipal Party Committee to study hard, and understand what real urbanization is! ……”。
This incident also made Duan Zetao realize that if a good plan does not pay attention to supervision in the process of implementation, and cannot be unified up and down, it is likely to go out of shape in actual operation and turn good things into bad things, he asked the municipal government inspection office to organize an investigation team, and Ma Qing of the municipal government inspection office personally led the team to each pilot new town to supervise whether there are any illegal operations, and let the party school of the municipal party committee organize training courses, so that the grassroots cadres of the new town can participate in the training, in addition to inviting relevant experts to take classes, Duan Zetao also personally gave lectures to the cadres to instill the operational ideas of the new-type urbanization construction and the role and functions that the government should play in the new-type urbanization construction.