The call between Hong Ya and I ended in a calm state, but then my heart surged, and I suddenly felt an excitement in my heart, and this excitement will not subside for a long time. {Free novel} I believe

Hong Ya must be in the same mood as me at this time.

Although our emotions have long become indifferent on the surface, there are deep emotions hidden underneath this surface calmness. We are all people who have experienced emotional setbacks, so we can

Try to hide your emotions deeply in your heart.

In fact, maybe we all know that emotion is already a luxury for us today, and we can't afford it. The only thing we can enjoy now is to get together occasionally and vent our longing for each other.

, and then we divided things up.

That night I tossed and turned in bed for a long time before I drifted off into sleep. When I woke up the next morning, my mind was filled with the dreams from last night. And I found to my confusion that in those dreams,

Hong Ya didn't even appear once. What I find incredible is that the ones who appeared the most were Chen Chen and Min Siwei.[

I didn't understand it at first, but then I realized what I was deceiving deep in my heart——

Deep in my heart, I am still longing for true love, longing for a relationship that has nothing to do with my previous life. In other words, I am looking forward to a new start in my emotions.

In my dream, I was still ridiculously comparing and choosing between Chenchen and Min Siwei.

This is just a wishful thinking of mine, because it is simply impossible. After waking up, after analyzing my dream and drawing a conclusion, I was laughing at myself like this.

Because the quality of sleep at night was poor, I felt very tired when I woke up, but I still gave up the idea of ​​continuing to sleep because it was a luxury for me.

I am leaving for Australia tonight, and I still have some things to deal with.

After breakfast, I washed my face with cold water, and then asked Xiao Xu to inform Li Wenwu that I was going to his place soon.

Now our own company needs to launch the minivan project as soon as possible. I want to know if they have any difficulties at present.

This is also a big project for our city, so I cannot take it lightly. In addition, several of our other companies also need me, the mayor, to help them solve their problems.

In fact, I know that for now, the biggest problem for these companies is only one, and that is money.

Several of our projects have foreign investment, but we are currently only dealing with the capital investment required for shares, and the survival and development of an enterprise cannot rely solely on such capital investment.

Now our Shangjiang Municipal Party Committee and Government are like a family with multiple children. Each of our children is crying out for food, but we cannot spend so much money to meet the needs of these children. This makes people feel even more sad.

The embarrassment is that it has become very difficult to borrow money these days.

But these problems must be solved. This is my responsibility as the mayor. But so far I have not found a better solution. When I had dinner with several bank presidents in the city that day, they all agreed.

So far, no specific plan has been proposed.

We will try our best to support the work of the municipal government. This is what they are all saying, but I know in my heart that their words are false. It is not that they are unwilling to support the work of our municipal government, but that they cannot do it casually

Take out the money from the bank. Since the money cannot be taken out, then such a statement has no substantive meaning.

Throughout the whole day, I visited several of the most important companies in the city, and they mentioned many difficulties to me, but in the final analysis, it was the problem that gave me the biggest headache - money.

But I can't guarantee them. This is a problem of the company's own development. Although the government has the responsibility to help them, the most important thing is that they need to solve the problem themselves.

But at the same time, I also know very well that state-owned enterprises are not private enterprises. When faced with such difficulties, we, the bosses of state-owned enterprises, often give up because they are too dependent on the government.

In fact, I once reported this issue to Secretary Rong, and she said: "You should discuss this issue with the bank. If you need my intervention, just tell me directly."

The meaning of her words is actually very clear: she also has a headache with this problem.[

But then she said to me again: "I will report to the leaders of the province and hope that the province can give us more policy support."

But then there was no follow-up. I knew very well that she was the secretary of the municipal party committee and was only responsible for macro-level matters, but I had to solve specific problems like this myself.

After completing the research on several companies, I returned to the office. At this time, I was already feeling groggy and uncomfortable. Firstly, it was because I had not slept well last night, and secondly, because the problems in front of me were really disturbing.

I feel like I have a headache. The problem now is that I have to go abroad immediately. I'm thinking: If I don't go out of the country recently, maybe this problem will be solved through some channels.

But I have to go out. No matter how anxious I am, I have to go out.

Guan Qin called me and asked me where I was now. I told her that I was in the office and had a lot of things to do. Then I said to her: "My driver will take us to the airport tonight."

, I’ll call you then.”

She smiled and said: "You are too busy. Originally, I said I wanted to have a meal with you in the evening. That's fine, you can be busy."

Only then did I remember the promise I made to her that day. I told her that day that I would treat her to a meal before we left Jiangnan for Australia. But now I really don’t have time, and I have to go home today.

A trip. Until now, I have not told my mother that I am going abroad.

I said to her apologetically: "I'm sorry, I really can't help it. I have a lot of things on my hands. Doctor Guan, we are so familiar with each other. There will be many opportunities for us to have dinner together in the future. Don't you think so?"

She smiled and said: "That's true. You should be busy. Actually, I don't really want to go out for dinner together. I mainly want to discuss the itinerary with you. But we have more than nine hours on the plane.

, let’s talk about it slowly when the time comes.”

I smiled and said, "Thank you for understanding."

After I finished the phone call with her, I went to Mayor Wu's office. I introduced to him the research I had done at several companies today, and then said to him: "Old Wu, what do you think about this?"

Is there any way?"

It is necessary for me to ask him this way. After all, he is the executive deputy mayor and is in charge of this money issue. What's more, he is also the one who is responsible for the specific contact and communication with the bank.

He said: "I am also worried. Our government already has a lot of loans, and the banks are also in a dilemma. The capabilities of the companies in our industrial parks are also very limited, and they also need to develop themselves. It is difficult...

."

I said: "Well, Lao Wu, you will meet with the leaders of several banks in the province recently to see if they have any specific opinions? If it doesn't work, wait until I come back to find Huang.

Governor, please ask him to come forward and solve the problem for us."

He shook his head and said: "Mayor Feng, the leaders in the province have been very supportive of us, and they have already informed the bank. The bank's support for us is also very strong. The bank told me,

The main problem is that our investment speed is too fast. If we temporarily slow down the investment speed, the problem will be easily solved."

I immediately sneered, "Do you even listen to what the banks say? What they need is absolute safety of funds and high profits at the same time. This is a situation caused by monopoly. To be honest, if our banks don't act like this

Monopoly, are we in such dire straits?”

He smiled and said: "Anyway, we still enjoy a lot of benefits from the bank's monopoly. Won't the bad debts of our company be cleared as a result? And our loans, after all, the banks still have a lot of influence on us.

taken care of.”

I pointed at him and smiled: "You are speaking from the perspective of a vested interest. Yes, you are right. We have indeed enjoyed the benefits of the bank monopoly, but now we have become

It’s an obstacle to development. Forget it, let’s not talk about this issue. This issue is meaningless because neither you nor I can change this situation.”

He sighed and said: "Yes. Mayor Feng, I suddenly remembered something in the past two days. I also consulted the bank. Maybe this method is more feasible. But I have been hesitating whether to take this matter

I will discuss it with you because I know your character and I am worried that you will not agree."

I looked at him and said, "How do you know that I won't agree before you tell me? Tell me, what is the problem?"

He said: "It's just financing."

I hurriedly said: "Old Wu, you are going too far. I am worried to death, but you don't tell me. Come on, tell me now and I will listen." [

He looked at me with a half-smile on his face, "Mayor Feng, do you know about the financial products in the bank?"

I was suddenly startled, "I know, I've heard of it. But, what does the bank's financial products have to do with our financing?"

He said: "I didn't pay attention to this problem before. It was only recently when I accidentally looked at some relevant information that I discovered that the financial products in banks are actually local bonds."

I know about local bonds. From the late 1980s to the early 1990s, many local governments issued local bonds in order to raise funds to build roads and bridges. Some were even interest-bearing to support national construction.

It was apportioned to various units in the name, and some even used it directly as part of wages. However, in 1993, this behavior was stopped by the State Council because of doubts about the ability of local governments to fulfill their commitments.

But this year, as investment in local construction has increased, the problem of local debt has become more and more serious. Therefore, the higher authorities have turned a blind eye to the issue of local debt issuance and turned a blind eye.

.

But I don’t understand: How can this financial product be linked to local bonds?

So I was even more surprised and asked him hurriedly: "Oh? Could you please elaborate on this issue?"

He said: "It was only after I learned about it that I learned that the essence of the so-called financial products is local bonds. The path to the creation of financial products is as follows: In the first step, local governments take the lead in registering some investment companies. These investment companies

The government calls it: a financing platform. Its name can be an urban construction development company, an urban construction asset management company, etc. The second step is for the local government to establish projects, such as: building expressways, building airports, building government buildings...etc.

Etc. The third step is for these companies on the financing platform to go to banks for financing with government projects. Because they are government-backed companies and government projects, the bank will give them whatever amount is required for approval. The fourth step is for banks to

Of course, I know the situation of the local government. Most of the money has to be repatriated, which is very risky. So the bank sells the creditor's rights to the trust company, such as a one billion financing, and the bank says I keep 2% interest.

You take over the rest, signing for 5% interest, and you still have 3% to earn. Although the trust company also knows the government's situation, it can't let go of such a big business. What should I do? It's very simple.

Isn't it just a matter of reselling it? If the interest rate is higher, it will definitely be easier to sell. Anyway, as long as it is sold, the trust company will have no risk and no responsibility. Therefore, the trust company will make these debts into investment products one by one.

, for example: urban construction companies building highway projects, etc., all kinds of them, collectively called 'financial management products'. The fifth step is that the trust company takes this 'financial management product' to the bank and lets the bank sell it as an agent, and there are rebates. Sixth step

In the next step, the bank will print some advertisements, open a financial management office, and assign a financial management manager to look at the deposit amount of the depositors and call the depositors for sales."

After hearing what he said, I immediately understood, "You mean, whoever buys financial products will be the creditor of local government debt. Is that right?"

He nodded and said, "That's right."

I said, "Isn't that a great way? Why do you think I wouldn't agree?"

He looked at me, "Mayor Feng, have you ever thought about it? What if something goes wrong with the project? Who will pay the creditors?"

I was stunned immediately.

He continued: "Once there is a problem with the project, if the creditor goes to the bank, the bank will say this: There is no bank seal anywhere on the signed contract. The bank is just a sales agent. Look at the seal on the contract.

Find a trust company. Then the creditors will go to the trust company, and the people from the trust company will say: This is a project of the urban construction company, and we are just a trust company for financial management. It's like if you lose money after buying shares of PetroChina, you can't open an account with you.
To be continued...