If you really want to say hello to the bank, it's not impossible, but after the greeting, whether it will have an effect is only God knows - if the bank doesn't want to bird the county government, it won't be a bird, the bank is in charge, and the weight of the county government is really light.

Not to mention the county government, even if it is the city government, the bank dares to show its face!

Therefore, Zhang Wending still has to think of a little more way.

After thinking about it, Zhang Wending decided to adopt a two-legged walking strategy.

Investment promotion is important, even for a long time at present, Ranyi County still has to focus on attracting investment, after all, only investment, in order to solve the problem of backwardness of Ranyi, but only investment is not enough, the county should show sincerity to treat local small enterprises, and this sincerity is the support for small and medium-sized enterprises, not only policy support, but also strong financial backing, especially for local enterprise policies, which is already imminent.

Batch of land, this policy is relatively easy to get, there is a certain operability - the county has planned out the development zone, if there are enterprises want to expand the scale, you can apply for a piece of land from the development zone, as long as your funds meet the requirements, land is not a problem.

Land is not the problem, then the problem is the funding.

The company itself has no money, and the bank does not lend money, this is a ...... There's nothing the county can do about it.

First, there are no urban or rural commercial banks in Ranyi, and even the Agricultural Development Bank is only available in Wangbai City, and the only banks that operate normally are the four major banks plus the Postal Savings Bank.

In addition to the management of commercial banks, they must also be managed by the People's Bank of China, but the People's Bank of China is also under the management of the People's Bank of China, and the local government cannot even manage the commercial banks, let alone the People's Bank of China.

Speaking of which, even if a certain bank gives Zhang Wending personal face, and then Zhang Wending comes forward to say hello to the bank's leaders, it is possible to lend some of the money, but there are many small businesses in the local area, so every company can't say hello, right?

If that's the case, then the county magistrate doesn't have to do anything else, just deal with the bank all day.

Therefore, the way to say hello to the bank will not work.

In this way, what is needed now is a new idea of how to make the bank feel that the money released has no worries.

In fact, with the country's liberalization of private lending, several private lending companies have emerged in Ranyi County to solve problems for local enterprises.

Yes, private capital has long wanted to enter this area, and even when there was no policy before, it had the courage to start getting involved in this field.

Of course, the kind of pure usury has existed since ancient times, and it is another matter.

The so-called private lending is actually the exercise of the bank's loan rights within the interest range stipulated by the state, and the lending company collects the money in the hands of the people with the attraction of higher interest rates than bank deposits, and then uses the interest rate higher than the bank loan to release the collected funds to earn the interest difference.

There are still many benefits to doing so.

First, people who need money basically don't need to mortgage, they only need to find a few guarantors to get money from the lending company, although the interest rate is high, but the procedure is simple, it is nothing more than to pay a few more money, for those who need money urgently, this is indeed a good thing.

The second is also a good thing for ordinary people who have spare money in their hands, they deposit their money in the bank, and they can't get a walnut or a jujube after a few years, and put it in the lending company, you can have a lot of interest income, why not?

Three, for the lending company, the money is too easy to earn, the funds in the hands of such a fall, a month as little as three or five thousand, more than three or five thousand to get it, no need to suffer, no need to suffer, what a good thing, is the risk is a little higher, but this high risk is ignored by many people.

Although the state has clearly stipulated that the interest rate of private loans cannot be higher than four times the interest rate of banks, in fact, the interest rate of many black-box operations is much higher.

The person who has the money in his hand will definitely not give out the money through the fixed interest rate of the lending company, but will negotiate privately with the person who uses the money to release the money at a high interest rate, so that the difference will not fall into the hands of the lending company, which is a large amount of income.

Of course, speculation is not less common in any society.

Private lending companies need to be registered, and there are also competent departments to restrict, but in reality, many individuals have started to buy and sell loan companies, they collect idle funds in their personal names, and then release the money to people who need money.

Some people even lend money out of the bank through relationships, and then release it out, this interest rate difference is amazing, in the first few years, many people made a fortune through this model, and earned money in a year that they could not earn in this life.

It is this kind of black-box operation that makes people think that this kind of lending company is actually a loan shark.

Of course, this statement cannot be said to be completely accurate, but it cannot be said that it is wrong, anyway, how to say it, can only rely on free will.

For this industry, people abound, but there will always be two sides to things.

Some people are red-eyed, and some people are too big, and no matter how much money they have, they don't think it's too much, so many people are getting bigger and bigger, and there are not a few millions, and in the south, there is even a village where people rely on this way to support their families, and there are more people who do it, and the problem naturally arises.

Because of poor management, the borrower cannot repay the borrowed money, and finally runs away, and the lender cannot repay the money of relatives, friends, and even the bank with its own financial strength, so there is a series of chain reactions. As a result, many people have gone bankrupt, and social problems have emerged one after another, such as those who ran away, committed suicide, and sought out underworld gangs to solve problems.

Burning Wing has also begun to have people start this kind of business, and some contradictions have begun to come to the fore - not every borrower can guarantee that the borrowed money will generate more money, and this contradiction will happen sooner or later.

Zhang Wending himself has seen similar incidents on the Internet many times, so when he thought about this issue, he ruled out this idea, but he understood that dealing with banks is nothing more than a thing, a guarantee.

It is precisely because of the good guarantee that private lending has developed so rapidly. And it is precisely because the guarantee is not in place that the personal loan has no money to repay and walks away.

Now, it is not because the small business does not have collateral because the bank does not have collateral, or that the collateral may have been mortgaged, or some have even been mortgaged several times.

As for corporate integrity...... Banks can rarely trust these small businesses.