She smiled and said, "Let's not talk about work today, okay? The matter has been resolved. And if you have similar matters in the future, you can continue to come to me. Let's talk about some personal matters today."
I felt nervous all of a sudden, but I couldn't say anything.
Seeing that I didn't speak, she immediately kept silent. The two of us suddenly entered a dull and tense atmosphere.
However, this atmosphere only lasted for a short time, and then I heard her ask me softly: "Feng Xiao, are you okay now?"
I was stunned for a moment and said, "Okay, everything is fine."
She looked at me, "Are you still alone?"
I shook my head, "No, I already have a girlfriend."
A brief smile appeared on her face, "She must be very beautiful. Right? Is she good to you?"
I said: "Yeah."
She sighed softly and said: "Every one of us is the same. After wandering outside for a long time, we always have to go home."
I understood what she meant, "Yes. Sister Chang, how about you? Are you okay now?"
She smiled and said, "Okay."
I still felt that our situation was embarrassing and boring, so I immediately asked her: "If we want to launch a project financial product in your bank, how much can we raise at the maximum amount?"
She shook her head, "Now, it is a little difficult to sell financial products. The amount of financing should not be too high, and the plate should not be too big. As an industrial park project, around 500 million should be more suitable."
I nodded, "The province has also placed the high-tech entrepreneurial park in our industrial park. What if we separate the high-tech park project?"
She said: "In this case, I suggest you put the financial products for the industrial park project with ICBC, and put the financial products for the high-tech park with us. In this way, it will not only help the sales of the products, but also reduce our risks. If it is
For high-tech financial products, I can find a way for you to raise around one billion yuan."
I nodded, "That's a good idea. This way, there will be one more sales channel for financial products."
She said: "Also, you can use the company under the industrial park to apply for credit from the major banks in the province. You are a key project in the province. If the provincial government comes forward to guarantee it, our major banks will grant you credit.
possible."
I don’t quite understand, “Credit? What is credit?”
She said: “Credit refers to the direct provision of funds by commercial banks to non-financial institutional customers, or the guarantee of compensation and payment responsibilities that customers may incur in relevant economic activities, including loans, trade financing, bill financing, and financial leasing.
, overdrafts, various advances and other on-balance sheet businesses, as well as bill acceptance, issuance of letters of credit, letters of guarantee, standby letters of credit, letter of credit confirmations, bond issuance guarantees, loan guarantees, asset sales with recourse, unused
Off-balance sheet businesses such as irrevocable loan commitments.
Simply put, credit refers to the act of a bank directly providing financial support to a customer or guaranteeing the customer's credit in relevant economic activities to a third party.
Commercial bank credit is divided into two types: basic credit and special credit. Basic credit refers to the credit limit determined by commercial banks based on national credit policies and the basic situation of each region and customer.
Special credit refers to the credit granted by commercial banks to special financing projects and exceeding the basic credit limit based on national policies, changes in market conditions and special needs of customers. You can apply for special credit, which will be more conducive to your future financing."
I asked: "How much money can a bank give us for a credit like this?"
She said: "You can get credit from the four major banks of industry and commerce, construction, agriculture, and transportation. Each bank can give you a credit line of 300 to 500 billion."
I was very happy, "Then our initial funds can be solved?"
She shook her head, "You don't understand that credit is a guarantee provided by the bank to a third party, not that the bank directly gives you the funds."
I smiled and said, "That's pretty much it. It's just a matter of specific operations."
She also smiled, "Yes, if you can make good use of the bank's credit, this is equivalent to a channel of financing."
In the following time, we kept talking about work matters. Both she and I felt that we were both changing, and we also found that touching each other's personal life had become a sensitive matter. We could only talk about work matters.
Only when things happen can we become casual and natural.
After eating, I thought to myself, now it seems that Yu Yong should be assigned a deputy who understands finance.
Currently, the company under the industrial park is in the process of registration. As a government-affiliated enterprise, we also have an advantage over ordinary private enterprises in terms of signature rights. After inquiries, we have already decided to use the company name "Dongjiang Development".
In the future, with the development of the enterprise, the name "Dongjiang Group" can be considered.
Now Yu Yong is considering it as a corporate legal person. At the same time, we have also considered two deputies for him. The others are authorized to make their own inspections for transfer or recruitment from the civil service system, enterprises and institutions.
Now I suddenly feel that giving him two deputies is not enough, because neither of his two deputies are from the financial system.
According to arrangements, I will go to Hong Kong next week. The main purpose is to attract investment for the expressway from the provincial capital to Dongjiang. I am not the person in charge of this event because this project ultimately belongs to the Provincial Development and Reform Commission, the Commercial Commission and the Transportation Commission.
The department is in charge. I am just accompanying you in the name of the Dongjiang Industrial Park Management Committee.
I think it is necessary to assign Yu Yong another deputy as soon as possible, because I think the implementation of early funds is more important than anything else.
After I called Secretary Dong, he told me that he was in the provincial capital. I told him that I wanted to report to him about my work immediately, and he immediately agreed with me on the place and time to meet.
An hour later we met in a hotel teahouse.
I gave him a brief report on my recent contacts with banks, and finally I said: "Secretary Dong, judging from the current situation, our early financing situation is still good, although it is less than the 10 billion we expected.
There is still a long way to go, but with the billions we have on hand, we can basically make it work.
After all, what we need most now is only one amount of money, which is the compensation fee paid to the farmers during the land acquisition process, and the construction funds to resettle the demolished households. This money is basically enough now, so our project should be able to