。 Bow and thank you for the support of the big monthly pass! ――――――――――――――

Since there are not many customers, the owner of the hot pot restaurant also chats with acquaintances.

"Yao Ermao, your business is much better than ours......"

"What to do, my store is just looking lively, you look at the price, this weight, what kind of money to make, more hair and less meat, that is, find some porridge money, then your business is easy to do."

"It's very difficult for us to do that, the tax is very high, and we all work for the tax bureau. If you really want to make money, it's still those who are gunners, you look at the few who left just now, they are the ones who do that, and they can afford to shake up one by one......"

In Mianxi and other places in Xihe, usury in casinos and other places is commonly known as "putting anti-aircraft artillery", and "anti-aircraft artillery" is called "gunner".

Gambling is prevalent in Mianxi, that is, people from government agencies play mahjong, at least 20 yuan to start, Xihe is popular is not to pour Hu, but to talk about the number of fans, a card to lose hundreds of thousands, a card game of thousands is normal. And in serious gambling, the wins and losses will only be greater than this.

"Those who gamble are actually making money for others, and I haven't heard of that gambling who made a fortune."

"Gambling harms people, the money earned is unconscionable, you see that they make money quickly, you don't see that many people are bankrupt, just say that the Anfu restaurant across the street, how good the business is, but the boss plays cards every day not only loses the business, but even the restaurant is against those who set off the artillery."

Guan Shizhang watched Lu Zhengdong listen with great interest. looked at Lu Zhengdong, hesitated for a moment and said:

"Mayor Lu, it is very common for Mianxi to fire anti-aircraft artillery...... However, there are some situations that I don't know what to say. ”

Lu Zhengdong knew that Guan Shizhang was very smart, and it was impossible to just talk about gambling, so he encouraged:

"It doesn't hurt to talk about it."

Guan Shizhang sorted out his thoughts, and then said:

"Those gunners not only put anti-aircraft guns in the casino, but also helped some bosses collect their debts, and also organized those rich people to gamble, just like the owner of Tianfu Restaurant. They also target bosses who like to gamble but lack funds, and their informants will be the first to spot those who lack funds, and then they will find a way to lend to you.

At first, the attitude was very good, and it was okay to talk about it a few months later, but after you really want to borrow it, you will suddenly turn around and ask you to pay it back. If you don't have the money to pay back, then use your business as collateral, and if you don't agree, his subordinates will come forward. No one will accept the police, and if you file a lawsuit, you won't win at all......"

Lu Zhengdong said secretly in his heart. Guan Shizhang really put his heart into it, knowing that he cared about economic things, he didn't talk much about the other things of these people, but directly talked about the economic level.

When Lu Zhengdong heard Guan Shizhang say this, he immediately paid attention to it in his heart. When these people enter the economic field, their destructiveness is self-evident, and they ask with a deep sigh:

"How common is this?"

"It's not too much, but it's not a lot, Tianfu Restaurant is still small, like Guanghai, Jin Yonglai, the owners of companies that are still a little famous in the city, because they can't pay off their debts, they are forced to pay off their debts."

Jin Yonglai company? Lu Zhengdong's heart moved. However, there was no expression on his face, and he continued to ask:

"So, aren't these people just here to collect interest?"

"Well, these companies are all because they have good projects in their hands, but lack the necessary funds, in order to temporarily turn around, they dare to borrow such usury, for example, Guanghai is ready to charter a section of the road. Jin Yonglai is the agent of the provincial grain Wanpeng real estate bidding for the golden boy Haowang piece of land, and those people are interested in these projects......"

I see!

When Lu Zhengdong heard Guan Shizhang's introduction, combined with what Zhong said, he generally figured out some of the circumstances of the auction of the land where the golden boy was prosperous. …,

Zhong was forced to withdraw, which must have been caused by the threats of these loan sharks, and the threat of these bidders by the loan sharks was actually to get a commission for the land bidding on behalf of Wan Peng.

By taking over these companies and accepting these projects, not only can the principal and interest of the loan sharks lent by them be guaranteed, but they can also make a lot of money from these projects, and also complete the transformation from black to white.

This is just a superficial thing, in fact, what makes Lu Zhengdong feel more worried is the things behind these appearances.

"No one will accept the police, and if you file a lawsuit, you won't be able to win at all", which shows that these black and gray colors in Mianxi have not only penetrated into the economic field, but also infiltrated into the political field, and already have their protective umbrella.

In the process of transformation, many local governments are still exercising functions that should be exercised by the market: the right to control land, energy and other materials, the right to approve projects and licenses, and the right to implement preferential policies, etc., which make power rent-seeking a large number of stores and extremely active.

Often, where power is inserted, it can bring vitality to the local economy, and this has become a great driving force for various interest groups to try to get close to and infiltrate government power, thus promoting the emergence of collusion between money and power and the collusion of officials and gangsters.

Power rent-seeking includes two aspects, one is rent-seeking by post power, and the other is rent-seeking by professional power; cadres with positions are waiting for an opportunity to use the public power they hold that should be used to promote social welfare for personal gain, while ordinary public servants or cadres without posts use their professional power to rely on the mountains and water, and the most typical is the personnel of the political and legal system who have no post power but have professional power.

The loss of part of the functions of the market economy is also manifested in the inability to manage and regulate the market, the inability to protect property rights, the execution of contracts, the recovery of debts, etc., and in the allocation of resources, the government prefers state-owned enterprises, but it is quite insufficient for private enterprises, the most obvious is that on the issue of loans, it is difficult for private small and medium-sized enterprises to obtain loans from state-owned banks, and in addition, there are few other financing channels. The various shortcomings at the economic level have also given some people space and soil to survive.

And Mianxi's problems in this regard are even more prominent. Since ancient times, one of the biggest problems in local governance has been the game between local officials and local forces.

In recent years, the system of recusal of cadres has been implemented, and the chief officers are basically sent down from other places for exchanges. The mobility of local non-competent officials has not been emphasized enough. As a result, a large number of local "local officials" were formed.

In a city, the mayor's secretary, the county magistrate, the county party secretary (and even the county magistrate's secretary), the main responsible officials, including powerful departments such as the police, are all locals. Or people who have lived there for many years.

These people have been in business for years, even generations. Over the decades, they have married each other, entangled and intertwined, you have me, I have you. People who have been engaged in a market economy in recent years and have become rich first. There are quite a few of them who are one of these people, or for the sake of relatives, the rich and the powerful, a high degree of combination. He is well-connected and influential in the local area. If these forces can generally obey the law, everyone will be able to live in peace. But. If the local forces do not listen to the call, they will control one side and harm the other. Or the two sides can't get along because of something, one east and the other west. So. There will inevitably be conflicts between the two sides.

These local powerful factions even combine with these guys who can't be on the stage, especially if they are protected by powerful departments, and the danger is even greater.

This will inevitably cause harm to the local economic development and the normal life of the people, and people will not be able to operate according to normal market rules and live in normal order. Even the chief officer can't carry out his will. …,

Obviously, such a situation has already occurred in Mianxi. Jin Zhongbiao's contempt on his first day in office, as well as Wang Jishan, the director of the Public Security Bureau, is also a character, gambling is common in Mianxi, and social security problems are strict, I am afraid that this person will also be related, but it is the land auction of the golden boy Haowang, and there is obviously a zài problem. However, the party group of the Intermediate People's Court reported that there was no problem with the auction, which shows that it is self-evident.

These people colluded with each other to weave a big net, and if they pulled one of the threads of this big net, this big net would cover it.

Among the literary and artistic works about Qing officials, there are Qing officials who take office, make private interviews, and punish the local snakes who dominate one side. Moreover, this kind of local snake often has high-ranking officials in the court as the backstage, but the Qing officials are not afraid of violence, punish evil and promote good, eliminate harm for the people, and finally win a big victory.

But this is only a literary and artistic work, in real life, the situation is far more complicated, if you really want to govern one side well, the most important point is to govern the officials first, if you can't govern these officials, the rest is empty talk.

But if you really want to do this, you can really rule the officials with a real sword, this is definitely a difficult action, and the magistrates sent from above, even if they are famous and behave properly in the battle with local forces, they may not all succeed.

There are quite a few leading cadres with such thoughts, but the final result is that there are those who return home, those who retreat, those who are dragged into the water, and those who are in the same stream, and very few who really succeed on their own.

This is one of the most important reasons why Wu Jinquan's predecessor, Chen Zhenlong, has always been reluctant to really touch this piece.

Chen Zhenlong bypassed, but for Wu Jinquan and him, it was difficult to avoid this part, first, the original development had no stamina according to the original way, and it was difficult to ensure the speed and quality of development without change; The second is that the accumulation of various contradictions in Mianxi has reached a point where it has been quite strict, and Cheng Dù, who has been eroded to a very strict level, even if he does not take the initiative to lift the lid, he will definitely be uncovered because of some unexpected events. At that time, Wu Jinquan and him were quite passive.

But Lu Zhengdong still hopes to delay it any longer, at least until he removes the pronoun in front of the mayor at the National People's Congress, or even longer, so that he has enough time to make full preparations.

He wanted to use this time to do several things: first, he wanted to go down to investigate and investigate the situation and lay a foundation for solving the problem of Mianxi's existence and realizing the scientific development of Mianxi in the future; second, he wanted to do a good job in the relationship with Chen Zhenlong and his cadres, win them over and take them into his own hands, and third, try his best to form a united front with Wu Jinquan on these matters.

Of course, the most important point is to win the strong support of the provincial party committee and the provincial government, and prepare for the real action of oneself in Mianxi, the latter point is particularly important; if the province does not get a strong force, even if the starting point is good, even if the final victory is superficial, but the most crucial thing is lost -- it will leave the leader with the suspicion of being in the limelight and rejoicing in great achievements.

Planning and then acting is the best choice.

Of course, he still had to do something during this time. Guan Shizhang mentioned that some private business owners have even lost their companies because of loan sharks due to business needs, and this aspect has also attracted Lu Zhengdong's great attention, which shows that the financing channels for private small and medium-sized enterprises in Mianxi are quite difficult.

There are not many state-owned enterprises in Mianxi, and in order to develop the economy, it is necessary to vigorously support the development of the private economy, and in this regard, it is first necessary to solve the problem of financing difficulties for small and medium-sized enterprises.

It is difficult for small and medium-sized enterprises to obtain financing, and it is even more difficult for small and medium-sized private enterprises to obtain financing. However, both in terms of quality and quantity, it cannot be compared with the developed areas, and even compared with the developed areas in the province, it is also weak. …,

In terms of financing channels for small and medium-sized private enterprises, the mainland cannot compare with the economically developed coastal areas, the state-owned banks look down on them, and the rural cooperative funds have basically closed the door open to them or raised the threshold because of the rectification. When there is no way, the only way to do this is to borrow usury in the hope of surviving temporary difficulties, and this is often a drink to quench your thirst.

If small and medium-sized enterprises are strong, Mianxi City will be strong, Xihe Province will be strong, and if the non-metric economy is developing fast, Mianxi will develop rapidly. The rapid development of the West River is a matter of deep understanding to Lu Zhengdong.

Some things need to be slowed down, and some things must be grasped, whether it is in business. In the army, or in politics, what are you most afraid of?

It's not that you've failed, it's not that you've fallen, it's that you don't have that kind of passion in your heart. The more erosion in Mianxi is, the more it will have to make a difference.

Mianxi City. Xihe Province, and even the entire country full of development vitality, a magnificent picture of thousands of miles of rivers and mountains appeared vividly in front of his eyes.

To guide the country, you have to start from the ground.

Lu Zhengdong's idea is to prepare for the establishment of a financing credit guarantee enterprise.

Credit guarantee, economically developed areas have appeared, has gradually grown from scratch, from small to large. Their experience, their lessons, are clearly in front of us, and if we don't learn from them, it would be a waste of resources, and we must know that any success is built on the shoulders of those who came before us.

There are now three models in this regard, one is the Beijing model represented by the capital, which is led by the municipal government, and has received strong support from the municipal party committee and municipal government, both in terms of business credit and contact with banks.

The second is the southern model, which is diametrically opposed to the capital, it is a complete private enterprise, but this is destined to be a bumpy journey along the way, and every step and every footprint is full of hardships and helplessness.

If the establishment of the credit guarantee enterprises in the capital has certain political factors, then the credit guarantee enterprises in the south are completely spawned by market factors

But these two modes. Lu Zhengdong believes that it is not suitable for the current Mianxi, the state-owned guarantee company in the capital, the start is fast, the advantage is that the business is stable, the development is stable, but the disadvantage is that it is very likely to be the same as the bank, will only be interested in state-owned small and medium-sized enterprises, and what makes Lu Zhengdong more worried is the environment in Mianxi, if you don't do it, the guarantee company will deteriorate; The guarantee companies in the south started too low, and basically the registered capital was only a few million, and such a registered capital was too small.

The function of the guarantee is to provide credit support, so that the bank can provide loans to the guaranteed enterprise, and the registered capital and credit magnification are the two benchmarks to measure whether the guarantee company has the ability to guarantee, which directly determines the risk level of the guarantee behavior and is also an important content that the regulator must supervise. Imagine, a guarantee enterprise with a registered capital of only a few million yuan, or even less than one million yuan, provides guarantees for other companies and enterprises, so who will guarantee its credit? ! And how can it improve its credit rating?! Without strength, how can banks believe it?

Therefore, later, after the guarantee gradually matured, the starting capital of the guarantee enterprise was at least 50 million yuan in many provinces and cities.

In that era when financial risk control was not strict, there may have been soil for its successful operation and growth, but in the context of the current regulation of the financial industry, it is almost impossible to completely replicate this model.

Lu Zhengdong thought about it, and felt that it was best to take the middle route, and the government must participate in the operation of the same period, but it must not be controlled, and the communication with the bank, the research stage can be carried out by the government level, and then the market will decide the next development direction after the company is completely stable. …,

Of course, supervision is also very important, and people should not take advantage of loopholes and use guarantee companies to borrow money from banks for speculative things such as stock speculation, or even lend them out to usury.

As for the capital, Lu Zhengdong thought about it and felt that Mr. Mu and others were the most suitable, Mr. Mu and others were private capital giants, and in addition to capital, the most important thing for credit guarantee was a complete set of systematic risk estimation and risk control processes, which Mr. Mu and others also had advantages in.

Capital is profit-oriented, and the guarantee industry belongs to the absolute sunrise industry, just last year just promulgated the guarantee law, as long as the operation is done properly, the profit is not too big a problem, Mr. Mu and others should be interested.

As for the formalities in this regard, he originally held the title of deputy director of the Provincial System Reform Commission, and there is no problem with the Provincial System Reform Commission, and as for the above System Reform Commission, it is also related.

The maneuverability of this thing is very large.

And such things bring benefits to the development of Mianxi, but at the same time do not touch the fundamental interests of the local forces in Mianxi. At the same time, it is also a meeting gift to Mianxi after arriving in Mianxi.

In addition, it is necessary to go down to understand the real development situation of the following districts and counties, come up with an overall idea for the further development of the whole city, form a complete and feasible plan, and then submit it to the municipal party committee and the municipal government for discussion.

He has to come up with something tangible, or I'm afraid he'll still have trouble in the election...... (。 )