My Secret Female Boss

If you really want to say hello to the bank, it's not impossible. However, only God knows whether it will work after saying hello - if the bank doesn't want to bird the county government, it won't bird. The bank is managed by itself, and the weight of the county government is really light.

The county government, even the city government, banks dare to put on their faces!

Therefore, Zhang wending still needs to think of more ways.

After thinking about it, Zhang wending decided to take the strategy of walking on two legs.

Although it is important to attract investment, even for a long time at present, Minyi county still focuses on attracting investment. After all, only investment can solve the backward problem of Minyi, but it is not enough just investment. The county should show sincerity to treat local small enterprises, and this sincerity is support for small and medium-sized enterprises, not just policy support, It is urgent to have strong financial backing, especially policies for local enterprises.

The policy of land approval is easy to handle and has certain operability - the county has planned a development zone. If an enterprise wants to expand its scale, it can apply for a piece of land from the development zone. As long as your funds meet the requirements, land is not a problem.

Land is not a problem, the problem is capital.

The enterprise itself has no money, and the bank doesn't give loans. There's no good way in the county.

For one thing, there are no urban or rural commercial banks in burning wing, and even the agricultural development bank is only available in wangbai city. There are only four banks with normal business, plus the postal savings bank. These five banks are managed by the county, regardless of personnel or finance.

In addition to regulation, commercial banks are also managed by the people's Bank of China, but the people's Bank of China is also regulated by regulation. Locally, even commercial banks can't manage it, let alone manage the people's Bank of China.

Speaking of it, even if a bank gives Zhang wending personal face, and then Zhang wending comes forward to say hello to the leaders of the bank, it is possible to lend some money. There are many small enterprises in Hong Kong, so you can't say hello to every enterprise?

If that's the case, the county magistrate won't have to do anything else. Just deal with the bank all day.

Therefore, the way to say hello to the bank is not feasible.

In this way, what is needed now is a new idea, how to make the bank feel that the money released has no worries at home.

In fact, with the liberalization of private lending by the state, several private lending companies have emerged in burning Wing County to solve problems for local enterprises.

Yes, private capital has long wanted to enter this area. Even before there was no policy, it had the courage to start to set foot in this field.

Of course, that kind of pure usury has existed since ancient times, which is another matter.

The so-called private lending is actually to exercise the bank's loan right within the interest range stipulated by the state. The lending company collects the money in the hands of the people with the attraction of higher than the bank deposit interest, and then releases the collected funds with the interest higher than the bank loan to earn the interest difference.

There are still many advantages to doing so.

For one thing, people who need money basically don't need a mortgage. They only need to find a few guarantors to get money from the lending company. Although the interest is high, the procedures are simple, which is nothing more than paying more money. For those who need money urgently, this is really a good thing.

Second, it's also a good thing for people with spare money. They deposit their money in the bank, and they can't save three walnuts and two dates for a few years. If they put it in the lending company, they can have a lot of interest income. Why not?

Third, it's too easy for lending companies to earn this money. Once the money is poured in their hands, they can get it at least three or five thousand and more than thirty or fifty thousand a month. They don't have to suffer and suffer. What a good thing. It's just that the risk is a little high, but many people ignore the high risk.

This good thing also gave birth to some social disharmony. Although the state expressly stipulates that the interest of private lending cannot be four times higher than that of banks, in fact, the interest of many secret operations is much higher.

People with money in their hands will certainly not release their money through the fixed interest of the lending company, but discuss with the people who use the money privately and release the money with high interest, so that the price difference will not fall into the hands of the lending company, which is not a small amount of income.

Of course, speculation is common in any society.

Private lending companies need to be registered and restricted by the competent authorities, but in reality, many individuals start the business of lending companies. They collect idle funds in their own name and then put the money to those who need it. Of course, there is no fixed pattern of interest. What they say is how much.

Some people even lend money from the bank through relationships and then release it. The interest difference is amazing. In the first few years, many people made a family through this model and earned money that they can't earn in their life in a year.

It is this kind of black box operation that makes people feel that this lending company is actually usury.

Of course, this statement can't be completely accurate, but it can't be wrong. Anyway, it can only be proved by free evaluation.

There are many jealous people in this industry, but things always have two sides.

Some people are jealous, others are too popular, and they don't feel too much money. Therefore, many people grow bigger and bigger. There are not a few tens of millions. In the south, even people in a village rely on this way to support their families. When more people do it, problems naturally arise.

Due to poor management, the borrower can't afford to repay the borrowed money. Finally, the lender can't repay the money of relatives, friends and even the bank with his own financial strength, so there is a series of chain reactions. As a result, many people have lost their wealth, social problems emerge one after another, runaways, suicides and gangs of underworld forces.

Burning wing has also started this kind of business, and some contradictions have begun to highlight - not every borrower can guarantee that the borrowed money can produce more money. This contradiction will happen sooner or later.

Zhang wending himself has seen similar events on the Internet many times, so he ruled out this idea when considering this issue, but he understands that dealing with banks is nothing more than a guarantee.

It is precisely because the guarantee is well done that private lending has developed so fast. It is precisely because the guarantee is not in place that individual lenders have no money to repay and leave.

Now, banks dare not lend to small businesses precisely because small businesses do not have collateral, or the collateral may have been mortgaged, some even several times.

As for corporate integrity... Banks rarely trust these small businesses.