Another busy few days have passed, and the time has come to International Children's Day in a blink of an eye.

This is indeed the most anticipated festival for children in the world.

Although many children do not remember, or do not know at all, the establishment of International Children's Day is related to a massacre that occurred during World War II (the Lidice massacre).

However, children have the right to grow up happily.

They deserve all the joy they expect.

This is the same with Hua Kejing when he was a child, even if he has a special identity and has lost his blood and family ties since he was a child.

In fact, when he was growing up, he met many "relatives" who were not related by blood, and left a lot of warm and good memories.

"Facing the happy sunrise, bathing in the bright sunshine, carrying the schoolbag of knowledge on the shoulder, humming the ballad of happiness, starting the journey of knowledge, and swimming in the ocean of wisdom......"

This is the words of a municipal government leader who came to the orphanage to participate in the visit and condolence activities on Children's Day of a certain year.

"You have to be accompanied by self-confidence, with seriousness, nothing can stop you from moving forward, I believe you can do it, come on, children."

This is what the director of the starting point orphanage told Hua Kejing and the other children.

Looking back on the past and looking forward to the future, a better and better era has arrived.

In the vast land of China, there must still be children living in hunger and cold.

There may even be a very small number of crimes of killing and poisoning children.

But tragic cases such as the shooting of children in the Czech village of Lidice will certainly not happen again.

Children's rights to survival, health care, custody and education will be increasingly comprehensively guaranteed.

Even orphans.

Therefore, the unchangeable life experience, those regrets that appeared at the beginning of fate, did not make Hua Kejing extreme and narrow-minded.

On the contrary, his childhood experience taught him to be grateful and to be more comfortable with the joys and pains of life.

You can't give up your pursuit just because you can't go into spring because there is no sunshine.

Hua Kejing is grateful to all the people and institutions who have helped him.

Hua Kejing loves the world, loves this nation, and loves this country.

……

Back to reality, even though today is Children's Day, the EPC project of the business and technical housing of the Lucheng Transportation Bureau is about to start.

The construction contract was signed just before yesterday and the construction plan was submitted.

Yesterday, Li Chenjing had already withdrawn from the previous project with the construction team.

Today, they are clearing the site and erecting a fence at the site of the project to enclose the entire construction area.

Unlike Li Chenjing, as the legal representative of the company, Hua Kejing's task today is to receive the bank's account manager.

Of course, it's just to apply for a loan.

According to the plan, even if all the funds invested in the previous project are withdrawn, plus the profits that can be obtained in the short term, there will be a gap of at least more than 1 million yuan in the start-up capital of the business and technical housing project of the Transportation Bureau.

What if you don't have money?

It's a social problem that has been around for the ages, both for people and for businesses.

For this reason, Hua Kejing and Li Chenjing also thought a lot.

Reach out to your home?

One is already about to skin the family's pig farm, and the other is even more ruthless, and there is no home at all.

Looking for an online loan?

Not only did I not know my parents, but I couldn't borrow much money at all.

The two horse fathers borrowed some, but they could only drop the bucket.

As a result, Hua Kejing had no choice but to try his luck with the bank under the preferential policies of prefabricated construction projects.

Otherwise, in the end, they will have to sell their bodies and butts, or choose private capital with higher interest rates.

As everyone knows, whether it is a business or an individual, it is not easy to find a bank to borrow money.

In particular, if small and medium-sized enterprises want to use bank loans, not only the threshold is high, but there are also various hidden additional conditions.

For example, the financing method of small and medium-sized enterprises is still mainly mortgage loans, and it is basically difficult to obtain loans without collateral.

Another example is the inexplicable fees, the endless "package" promotions, the additional cost of acceptance bills, the elusive timing of loans, and so on.

Therefore, most of the time, it is not that MSMEs and individuals are reluctant to take out loans from banks, but that banks do not want to lend to MSMEs.

After all, lending money to wealthy people and customers with better credit standing is the goal that all banks strive to pursue.

Capital is profit-seeking, which in itself is understandable.

Of course, the problems of banks reluctance to lend and dislike the poor and love the rich are not unattended.

In recent years, the China Banking Regulatory Commission (CBRC) has also issued repeated orders and issued prohibitive regulations on "various prohibitions" to try its best to eliminate all kinds of unspoken rules encountered by small and medium-sized enterprises in the financing process.

At the beginning of this year, promoted by the State Council, the central government issued the "Measures for the Management of Special Funds for the Development of Small and Medium-sized Enterprises", and established a budget to arrange funds for optimizing the development environment for small and medium-sized enterprises, guiding local governments to support the development of small and medium-sized enterprises, ethnic trade, and the development of designated production enterprises for special commodities of ethnic minorities.

Minyue Province also issued the "Notice on Ten Measures to Further Support the Development of Small and Medium-sized Enterprises in the Province", strengthened organizational leadership, established a provincial leading group for promoting the development of small and medium-sized enterprises, and provided support in terms of financial support, strengthened financing, and the implementation of gradient training, so as to promote the high-quality development of small and medium-sized enterprises in the province and continue to inject new vitality into economic development.

In view of the above, Hua Kejing did go to several banks recently.

Of course, there were a few soft nails as well.

After all, Yijing Construction is a small company, a new company.

From the perspective of corporate credit, not only the qualifications are mediocre, there is no credit, but also the lack of qualified collateral assets, which cannot be compared with large enterprises, and the risk of lending for banks is greater.

It can be seen that those top-down support policies for the development of small and medium-sized enterprises need to be further strengthened in the "last mile" of implementation.

But fortunately, Hua Kejing didn't find nothing after running around.

China Construction Bank, the basic account bank chosen by Yijing Construction when it was established, was given the opportunity to apply for an unsecured line of credit after initial communication with the account manager.

More specific details and requirements will be checked by CCB's relationship manager.

……

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