Lu Weimin's smiling rhetorical question did not stump Hong Guozhu. Since he asked this question, he was naturally prepared.

"Secretary Lu, don't state-owned enterprises have difficulties? They do, and the problems are even more serious than those of private enterprises, but why can they get support from banks? It's not because banks inherently believe that state-owned enterprises will not collapse.

The government provides guarantees for them, so solvency is not a problem. However, private enterprises cannot obtain guarantees from the government and have to struggle on their own. This in itself puts our private enterprises and state-owned enterprises in an unequal competitive condition."

Lu Weimin's eyes narrowed. He didn't expect that Hong Guozhu, a seemingly rough guy, could actually look into the problem so deeply, and even brought the topic to the differential treatment between state-owned enterprises and private enterprises.

Seeing the expression on Lu Weimin's face that looked like a smile but not a smile, Hong Guozhu stopped delving into this issue. He also knew that even if Lu Weimin was the secretary of the municipal party committee, it was impossible to change anything on this issue, "Secretary Lu, the difference between state-owned enterprises and our private enterprises

It has been a long time coming, but the spirit of the 15th National Congress of the Communist Party of China has clearly stated that our private economy is an important part of the national economy and we must vigorously support the development of the private economy. However, judging from the actual performance, the government has not really done so."

"Lao Hong, I'm here today to listen to you talk about real things, not to be pragmatic. I admit that this aspect is definitely still far from the ideal level, but this also requires a process, but I think it is best for us to talk about reality now.

Something would be more suitable." Lu Weimin raised his eyebrows.

"Well. Secretary Lu, let me talk about something more realistic. I think banks should think more about providing help in times of need rather than icing on the cake. Often when they want to withdraw funds, it is exactly when the company needs it most. At this point, the bank's

The investigation work should be more in-depth and detailed, rather than simply looking at some financial data statements, such as the development trend of the industry, the long-term reputation of the company, and the credibility of the corporate legal person. I think these are important factors and cannot be

Simply withdrawing the loan simply because the company encounters temporary difficulties will only make it more difficult for the company..."

Hong Guozhu's tone was straightforward, "I'll be honest and say that Tianxiang Special Steel has not encountered such a thing yet. But we cannot rule out that it may encounter such a thing in the future. In business and market economy, no one can say whether it will encounter such a thing."

, I have some business friends who have encountered this situation. When they encounter difficulties, the bank comes immediately. This is adding insult to injury. I can understand the bank's worry and their responsibility, but please leave it to the bank.

Can the personnel do their work more carefully and carefully understand whether the company really cannot continue or whether it is encountering temporary difficulties? If you spend more time investigating and researching, you can figure it out..."

Hong Guozhu's words were a little emotional, and Lu Weimin was also a little moved.

The hardships and difficulties that private enterprises encounter in the development process are beyond the imagination of outsiders, whether it is policies or prejudices. Especially when encountering a glass door in financing, it was not a big deal until they encountered changes in their previous lives.

Changes. Although there have been repeated orders from the central and local governments to loosen restrictions on private enterprises and protect private enterprises, they are all verbally loud, but when they are actually implemented in practice, things change.

Lu Weimin is also well aware of this situation, and he can understand the bank's concerns, but Hong Guozhu's words are also very reasonable. It is difficult to judge whether a company has real operating risks or temporary capital turnover difficulties.

A more detailed and careful investigation is needed instead of hasty conclusions. This may increase the bank's operating costs, but it may be a matter of life and death for an enterprise.

"Lao Li, Lao Han, Lao Zhou, Lao Xue, as well as several people from commercial banks and credit unions, have you heard this? I think this is a call from the heart of the company. Doesn't it sound like crying?

"Lu Weimin glanced at the people following him with a half-smile.

This time, he called the heads of several major banks, including China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China, as well as Songzhou Commercial Bank and Rural Credit Cooperative, because it involved the early loans of several major banks to Songzhou.

The situation is relatively tight, and this time although the two sides still have differences and disputes over the issue of land ownership in the economic development zone, through coordination with the province and communication with the city, both parties have basically reached an agreement, and the issue of land ownership has been separated separately.

If there is really no consensus, you can resort to judicial procedures and no longer be linked to the loan.

Hearing Lu Weimin's teasing tone, the heads of several major banks were a little embarrassed and tried to deal with it with a haha. They were usually arrogant characters, but in front of this municipal party committee secretary who was more than ten years younger than them, they

You still have to maintain a humble appearance.

No matter what you say, it all depends on the situation. How can it be the same for private enterprises as for state-owned enterprises? Who can bear the risk better? Everyone knows this in their hearts. You can't solve the problem just by shouting here.

.

But Lu Weimin’s words have been put to your lips, and you don’t agree with them. It doesn’t make sense, so everyone has to express their attitude. What’s more, what Hong Guozhu said is not unreasonable. In the business encounters of some private enterprises,

When it comes to difficult issues, banks are sometimes too hasty or one-size-fits-all in handling them, and are unwilling to spend more time on investigation and understanding. This is a common problem of state-owned banks. Compared with foreign banks and joint-stock banks, they are more sophisticated in this regard.

, the gap is particularly large.

"Whether it is a state-owned bank or a joint-stock bank, I personally believe that they all serve the economy and obtain income through services. Service and income are two in one. Without service, there is no income. Similarly, if the service cannot

Gaining profits may even bring losses, so this kind of service cannot be continued. This is the basic rule of economic activities." Lu Weimin glanced at the faces of several bank leaders and said sternly: "But not every economic situation

It is common sense that economic activities have risks. When participating in economic activities, how can we avoid risks to the greatest extent through our own refined work, and at the same time find ways to maximize the benefits to ourselves?

The opportunity to bring profits is what we as a company respect and encourage."

Lu Weimin's words touched everyone. Lu Weimin did not force banks to favor private enterprises. This itself was inconsistent with business rules. Business operations can only follow market rules and should not be restricted by government instructions. Lu Weimin's

It proposes some practices on how to improve and strengthen the business activities between banks and private enterprises, which should be in the interests of both parties.

…

Accompanying Lu Weimin in the investigation were Zhang Jingyi and Huo Tingjiang.

As the deputy mayor in charge of industry, Huo Tingjiang is the one specifically in charge of this work. The bank's compressed loans to Songzhou over the past year have also had a considerable impact on the growth of Songzhou's industrial economy. Now that the estrangement has been resolved,

As the clouds clear and the fog clears, especially when the international and domestic economic situation is very good, the development of the real economy in various places has also ushered in a first period, and the first period also means the intensification of financing activities. How to make bank loans more effective for those

To companies that need loans to develop, Huo Tingjiang will coordinate the work of connecting these banks and companies.

"Su Qiao's situation is generally good. He has a solid foundation and a strong attitude. I personally think it is a reasonable adjustment due to some impacts from the year before last. In the second half of this year, the situation has begun to improve. The construction of the Machinery Industrial Park is basically ready. At present,

The number of companies and projects entering the park is also increasing, and the scale of investment is also expanding. It is expected that eight to ten companies will enter the park by the end of the year, with basically investment scales of more than 10 million yuan, and two of them have investment scales of more than 10 million yuan.

Both exceed 50 million,..."

Tan Weifeng stood with Lu Weimin in a corner, where Huo Tingjiang was having a heated conversation with the heads of several banks, while Zhang Jingyi was talking quietly with the heads of Songzhou Commercial Bank and Rural Credit Cooperatives.

"Well, Weifeng, Su Qiao can be regarded as the largest industrial county in Songzhou. There is a difference between a large industrial county and a strong industrial county. Your idea in Yehe is very good. We must strive to create a city with certain competitiveness and

Industries with high technological content should not cover everything. Su Qiao must also adhere to this principle. Steel and machinery manufacturing are Su Qiao's core industries and leading industries. How to improve this leading industry into a dominant industry, especially an industry that can take the lead in competition.

, the scientific and technological content is especially important." Lu Weimin put his hands on his back and looked into the distance. This was his third conversation with Tan Weifeng. The first two times were when Tan Weifeng came to visit him, and the other was his first time to investigate Su

Qiao.

"Hong Guozhu has a lot of foresight and brains. He set up a research and development center to create special, high-quality, sophisticated and cutting-edge products. This is a good move, but it will take a long time to see the results of this move, and continuous investment is needed, but we have taken the first step.

We can lay a solid foundation in just one step. I don’t know how many similar situations there are in industrial parks. Both the city and the county should pay attention to this demand. This is related to whether our enterprises in Suqiao can truly achieve sustainable competitiveness.

Upgrading is also related to whether Suqiao's steel and machinery manufacturing industries can continue to prosper. I have what others don't have, and I have what others have. Only in this way can we maintain our own industrial advantages..."
Chapter completed!