Things in the mall must naturally be handled according to the rules of the mall.
Chu Yunsong and Chu Jingxuan, father and daughter, formally signed the contract, went through the mortgage loan procedures, and then signed their names and stamped their names, and it was considered a success.
"For the time being, this is the largest loan our bank has ever offered to individuals." Chu Yunsong said with a smile, "But I am very interested in your two factories, so watch Ye Kai carefully to avoid unnecessary trouble.
Pay for all the dowry."
"It doesn't matter if you lose it. I'll let Ye pay for the money, and I'll let you bring these two factories back to me for the dowry. No matter what, I'm not someone who will suffer a loss." Chu Jingxuan replied matter-of-factly.
"After all, we are the two of us who are working for free after all," Chu Yunsong heard this and immediately laughed.
"That's for sure." Ye Kai also smiled and said, "Actually, I don't suffer at all. After marrying Miss Chu, I will directly share half of her property. After all, I still get the advantage."
"It's not that easy. I have to find out your family background before I consider whether to marry you." Chu Jingxuan also smiled and said, "God knows how much private money you have hidden."
Although they are very curious about Ye Kai's family background, it is really difficult to ask about this kind of topic, especially under Ye Kai's own name, which is not suitable for retaining too much funds at all, otherwise it will be a big trouble.
, so Ye Kai’s money exists through other aspects.
The most important thing is naturally the funds controlled by Zhong Liyu. The rest are also in the hands of women. Although Ye Jianhuan also has his investment, Ye Kai never intends to get it back. After all,
A few hundred million dollars is just a drop in the bucket to him.
"I really don't have much money in my own hands..." Ye Kai said immediately, "But if I want to make money, it's just a matter of words. The next twenty years will basically be a good time to make money easily, but I don't need to
Worried about not having money to spend.”
"Are you very optimistic about the country's situation?" After hearing Ye Kai's words, Chu Yunsong asked curiously.
In fact, in recent times, the country has been having a lot of discussions on the economic direction, and there are very different opinions on whether a market economic system can be established. Reform is necessary. No one dares to deny this, but what is the way forward?
Nowadays, everyone is divided and has different opinions.
Just like the issue of restructuring state-owned enterprises, there are also many differences.
Although Chu Yunsong maintains a relatively stable attitude in this regard, he still supports the reform of the financial system from the bottom of his heart. He believes that if the domestic financial market is to achieve sound and healthy development, there must be fundamental changes. Otherwise, fundamental changes must be made.
If so, there are many problems that cannot be circumvented.
"When it comes to the reform of the financial system, we have to mention the issue of state-owned enterprises." Chu Yunsong said to Ye Kai with some emotion, "The drag that state-owned enterprises have on banks is indeed very serious. The bad debts of several major banks may now be
The scale exceeds one trillion. If this problem is not solved, it will be difficult for the financial industry to recover."
Regarding this issue, Ye Kai is also very clear. On the surface, the biggest problem plaguing state-owned enterprises is actually triangular debt, but if you look deeper, it is still the loopholes in the system that are causing trouble.
"The problem of triangular debt is indeed quite troublesome. This is caused by the lack of commercial credit." After hearing this, Ye Kai nodded.
The triangular debt problem of state-owned enterprises should be caused by the distortion of commercial credit between enterprises. This problem has never appeared in the history of economic development of any capitalist country.
"Commercial credit is the cornerstone for the survival and development of capitalism. It is still a ubiquitous credit relationship under mature market economy conditions, but there will never be a triangular debt phenomenon similar to our country." Chu Yunsong is the researcher who studies this.
An expert on the same content was naturally very emotional when talking about it, "Because under the premise that the property rights relationship between enterprises is very clear, this kind of commercial credit relationship is guaranteed by reputation, backed by economic benefits, and based on the law. Enterprises have
There is a strong sense of risk and competition. If a company cannot repay its debts, the methods adopted are simple, such as using capital reserves, selling part of its financial assets, or directly letting the company go bankrupt to pay off its debts."
Ye Kai nodded. The lack of commercial credit among state-owned enterprises is indeed very serious. The most important point is that we are all enterprises of the state. We owe each other back and forth, and the meat is rotten in the pot.
However, the meat became rotten and rotten, and eventually became moldy and spoiled. Eventually, all state-owned enterprises were trapped in the vortex of triangular debt, and in the end they were unable to escape.
"Actually, I also discovered this problem during my investigation at Linggang this time." Ye Kai said to Chu Yunsong, "The reason why Shao Jiangping was able to make Linggang stand out was because he withstood the pressure under the circumstances.
, refused to sell on account, and all products were sold in cash, so Linggang did not fall into a triangular debt crisis."
In fact, Shao Jiangping did more than that. For the unrecoverable debts scattered outside, he specially organized a debt collection group, took turns to go to battle, and used more radical methods to finally collect the debts outside.
About 90% of the debt was recovered, and this part of the cash became a very solid pillar for Linggang's development at that time.
"Two years ago, the State Council did a job to clean up the triangular debt of state-owned enterprises." Chu Yunsong said, "I was also involved at that time. A state-owned enterprise where we were stationed conducted a thorough investigation and queued up all the users who owed money. Through
The investigation found three situations. The first one is that the debtors are in a slump in production, have a backlog of products or have difficulty collecting payment, which has caused a chain reaction of triangular debt. They are indeed unable to repay a large amount of money, so they can only take small steps and pay back less, using more and paying less, and the relationship continues.
To maintain production, this type of manufacturers can account for about 60% of the debtors. The second type of debtors do not have money to repay. Their production and sales are relatively normal, but the money is used to build office buildings and buy cars.
They pay bonuses and eat and drink extravagantly, and some even go so far as to build private villas. Their attitude is that if they don’t have money, they will have to live. In order to maintain production, they adopt guerrilla tactics, shoot a gun and change places. If they go to this factory today to get credit, they will get credit tomorrow.
If you go to that factory to get credit, you don't even consider the issue of repaying the loan. This type of fraudulent users accounts for about 20% of the debtors. The third category of debtors has been on vacation for a long time, and the factory is facing bankruptcy. Some have been closed and transferred.
This type accounts for about 20%. This problem has existed for a long time, and it has indeed caused great pressure on the operations of some enterprises. Many excellent enterprises have been crushed in this way."
Ye Kai listened and nodded.
The reason why state-owned enterprises want to carry out property rights reform is largely because they have seen problems in this area. If there is no reform and the property rights are not clear, the triangular debt problem will become more and more serious, and eventually all state-owned enterprises will be brought down.
In fact, the goal of state-owned enterprise reform is to establish a relatively normal market economy that adheres to economic laws and establish the country's own commercial credit system. Otherwise, it will be impossible to completely solve this big trouble.
"Two years ago, the work organized by the State Council to clean up the triangular debt did play a great role and saved many enterprises, but it was not very thorough. Now this problem is showing signs of coming back, so state-owned enterprises
Reform is urgent." Chu Yunsong said with some emotion, "The reform of the financial system is also very important. If we don't get rid of these burdens and disconnect from state-owned enterprises, banks will not be able to truly play the role of banks.
.”
In fact, if the root causes of some problems are not solved, trouble will continue to arise.
Unless a domestic commercial credit system is established, this triangular debt problem cannot be solved.
"Sometimes, banks are not willing to lend, but the interests of local governments and enterprises are tied together, and they will do everything possible to put pressure and influence on you so that you have to agree to their loan requirements. But after the loan is obtained,
It's not used for development, but spent on food and drink, which makes people very angry." Chu Yunsong said, "It won't be long before they come over and ask for loans again. You said this is what you encounter every day.
Can your financial system handle such a rogue enterprise?"
"So in comparison, today's private companies are more dynamic, because they have more and more flexible ways to deal with this kind of thing." Ye Kai said with a smile, "For example, Xiaoxuan's factory only pays cash in advance.
, who are queuing up to wait for the products to come off the production line, of course they don’t have to worry about any triangular debt issues.”
In fact, there is no way to pay in cash. If it is under the normal commercial credit system, there is no need to be so troublesome. After the contract is signed, it will naturally have its legal binding effect. However, after all, there is no way to do this in China. If you dare
If you do this to them, just wait for someone to come to collect the debt. Maybe you won't even be able to find the door of their company anywhere.
"Relatively speaking, our bank is better. On the one hand, it was established later and has less historical baggage. On the other hand, it has noticed these problems from the beginning and has different investment directions." Chu Yunsong said, "But it is said that the higher-ups are planning to
Rectify the banking industry and completely resolve the bad debt problem so that financial companies can operate with ease."
"How to solve the trillions of bad debts?" Chu Jingxuan asked in surprise after hearing this.
"How else can we solve it?" Chu Yunsong shook his head and said, "The only way is for the state to pay the bill."
Ye Kai listened, but didn't say anything. The country is a very general concept. The so-called country pays the bill, doesn't it mean that all the people pay for it? It's just that there are some tricks on it to make ordinary people feel like they are doing it.
They have nothing to do with each other.
The problem of unclear property rights is indeed widespread. If this problem is not solved, the interests of everyone will be harmed. (To be continued. If you like this work, you are welcome to come to (.) to vote for recommendation, monthly vote, your
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