"Where isn't this?" The oldest coworker raised his head and took a big sip of wine, shook his head, "Others think that being a boss is so glorious, but they don't see their difficulties. Now, don't worry about how you do something

Children's business or open a factory, from raw material purchase to production, and then to sales collection, which one is not risky? If you don't say anything else, where do you come from? How difficult is the loan now? You don't know, I'll have a report

Brother has opened a food factory that makes Niu Zhe. If you say the brand is very popular, there is no technology, but the factory is so large. If you go to the bank to make a loan, they won’t miss you at all. What do you use as a mortgage?

?Just that little broken factory or old machinery? All working capital has to be borrowed from relatives and friends. How to do it? Now these banks, even credit unions, are unwilling to lend to these small businesses, and they all want to lend money.

To the government or those large state-owned enterprises, those of you without backgrounds, who would lend to you?"

"Yes, these private enterprises are really difficult to do now. When I go back, my hometown private bosses drink tea and play mahjong at home every day. When they ask them, they say that they can't make much money, and now they are difficult to get a loan, so they have to do it.

If you can only borrow money from water, but earning some money is not enough to pay interest on water. If you don't do it well, you will have to owe a lot of debts, so you just close the door and rest." The young coworker sighed, "I originally wanted to

I went back to my hometown to find some work, which was closer to home, which was more convenient. But when I went back, where was the right work? So I had to go back to Changzhou."

Lu Weimin didn't interrupt.

He knows the current downturn in the company, especially the poor operating conditions of small and medium-sized enterprises.

Although he has not deliberately investigated economic work during his research in the past few months, he is inevitably involved in the economic development. The situation reflected below is quite serious. After leaving so many cities and prefectures, now except Changzhou/Songzhou

/Qingxi/Kunhu has not conducted any research. The other nine cities and prefectures have already completed the operation. Among these nine cities and prefectures, except for Fengzhou, the situation is slightly better, and other cities and prefectures have different degrees of economic downturn in other cities and prefectures.

For cities such as Yishan/Quyang/Luomen/Puming/Guiping, where the situation is serious, a large number of small and medium-sized enterprises have experienced operational difficulties. They are unsustainable, and many of them even simply close their doors and leave.

One of the most specific problems that exist is the general financing difficulties.

Lu Weimin has a deep understanding of the financing difficulties of enterprises, especially those of small and medium-sized enterprises.

In Landao, this situation is very prominent. When returning to Changjiang, this situation is even more serious because relatively speaking, the Bluedao enterprise reputation system is well built. The proportion of emerging industries and high-tech industries among small and medium-sized enterprises is relatively large.

In this regard, angel investment and venture capital are of great interest, which has alleviated the capital needs of enterprises to a certain extent. However, in Changjiang, it is mainly based on traditional industries, and it has encountered economic downturn pressure, coupled with financing channels

It is relatively narrow, so the shortage of funds suddenly appeared. Some small and medium-sized enterprises could not withstand the pressure and naturally withdrew from the market.

If it is purely market elimination, that's fine, but some companies themselves have market competitiveness because of the narrow financing channels and traditional financial institutions blindly focus on the government and state-owned enterprises in loan issuance, and are unwilling to go to small and medium-sized enterprises.

Work hard on financing.

Of course, there is another problem that the credit system construction of small and medium-sized enterprises has not kept up, which has led financial institutions to choose to give up small and medium-sized enterprises in terms of risk avoidance. The reason why Fengzhou performed relatively well is largely due to the fact that Fengzhou City was originally

During his work in Fengzhou, he vigorously promoted the construction of the enterprise credit system from Futou to Fengzhou.

Although this work has not been completely launched due to the limitations of my time of employment, it has achieved results in some areas. Compared with other cities, Fengzhou is much better in this regard, so in terms of financing small and medium-sized enterprises

Relatively optimistic.

Lu Weimin believed that the situation in Songzhou would be better. Because he was confident in the achievements he had made in vigorously promoting the construction of the credit system during his work in Songzhou.

Although the data shows that Songzhou's economic growth rate has been steadily declining in recent years, which has even caused dissatisfaction with Yin Guozhao, in Lu Weimin's view, the decline in Songzhou's economic growth rate is actually a large part of the economy.

The normal decline after the total volume rises to a certain scale.

You can't expect a city's GDP to reach more than 500 billion and still have a growth rate of 20 to 30%. This is not realistic and not scientific, let alone under the current overall downward state of the national economy.

.

Of course, it is undeniable that Qi Zhange's lack of richer and more powerful response strategies after taking office in Songzhou was also related to it, but Lu Weimin still believes that the main reason lies in the economic scale of Songzhou.

Although the economic growth rate of Songzhou continues to decline, judging from the 21 years, the decline in Songzhou's growth rate has actually been very small, and it is even lower than the decline in the month-on-month rate of the province's economic growth rate, which means Song.

The decline in state economic growth is actually a normal adjustment, and there are already signs of bottoming out and rebounding.

Lu Weimin also communicated with several old subordinates who still work in Songzhou, such as Gao Qin/Chang Lan/Gu Ziming/Lu Wenxiu and others. Their views are consistent with their own, that is, the whole city has been vigorously promoting over the past few years.

The construction of the enterprise credit reporting system is very critical, especially the construction of the credit reporting system for small and medium-sized enterprises has played a very important role.

This has also received considerable praise from various financial institutions that came to Songzhou, especially those joint-stock banks such as China Merchants/Pufa/Everbright/Xinye/Bohai/Huaxia/Ping'an/CITIC/GF that later settled in Songzhou, such as China Merchants/Pufa/Everbright/Engineering/Bohai/Huaxia/Ping'an/CITIC/GF, etc., which later settled in Songzhou, such as China Merchants/Pinghua University, China Merchants/Engineering/

, and a large number of urban commercial banks that chose Songzhou as an extraterritorial pilot site, such as Shanghai Bank/Ningbo Bank/Nanjing Bank/Jiangsu Bank/Tianjin Bank/Hangzhou Bank/Hui Shang Bank/Xiamen International Bank, etc., they also chose in large numbers.

The pilot project in Songzhou is to believe that Songzhou has done the most solid work in this area.

Practice has also proved that their choice is not wrong. Take these financial people as an example. The construction of Songzhou enterprise credit reporting system, especially small and medium-sized enterprises, takes the lead in the construction of the credit reporting system, and solves financing risks for financial institutions.

The two core issues of financing costs provide great help.

According to senior executives within multiple financial departments, after their assessment, Songzhou's corporate credit reporting system construction is at least five to eight years ahead of cities in the province except Fengzhou, even for other provinces and cities, Songzhou

This work is at least three to five years ahead, and only Fengzhou is currently chasing Songzhou, but there is still a gap of one to two years, which means that even cities in the province except Fengzhou will start this project immediately

It will take at least five to eight years to catch up with the current level of Songzhou, not to mention catching up.

These executives also said that based on their internal assessments and evaluations, the completeness of the credit reporting system of Songzhou's enterprise helped them save at least half to two-thirds of the financing costs.

This is an amazing data, because Songzhou started laying the foundation many years ago not only has detailed data, but the most important thing is that it adopted quite strict data management at the beginning, and one by one is definitely not bad.

It is absolutely not allowed to modify it through personal relationships, and the effect of this work has long been confirmed by several major professional banks in Songzhou and Minsheng Bank, which entered Songzhou earlier.

It is precisely because of the leading position in the construction of the credit reporting system of Songzhou's corporate credit reporting system that the comprehensive development of the personal reputation credit reporting system of Songzhou has been promoted. First, it is to promote the legal persons and shareholders of these companies and their spouses and children.

The construction of this system has also been progressing in an orderly manner in Songzhou.

The construction of the credit reporting system for enterprises in Songzhou has also led to a large number of micro-loan companies/rural banks/guarantee companies, etc., choosing to make full use of the Songzhou financial market, which makes the Songzhou financial market extremely active but relatively rigorous.

With credit evaluation in the credit system, some companies with good reputation but shortage of funds can easily obtain loans from various banks, and companies can easily overcome financial difficulties, while guarantee companies and microfinance companies can also take advantage of the situation.

Find opportunities for them to survive and gain a foothold.

Lu Weimin even felt that judging from the current situation in Songzhou, Songzhou's economic growth rate should have reached bottom and there should be a possibility of a slight rebound. When there is a terrible tide in various places, it may be like Songzhou/Feng.

There is an opportunity for a place with a better reputation system like this.

There is never a shortage of capital and projects in the market. The key is how to achieve a perfect combination of the two. Where the credit reporting system construction such as Songzhou is at the forefront, it has undoubtedly become a safe haven for funds and has already gained a foothold in Songzhou.

If companies want to grow and develop, or renovate and expand projects, or even legal shareholders want to start new businesses and start new projects, they can use their credit resources to gain capital favor more easily, and they also value this hard-earned one more

credit resources.

When Lu Weimin was investigating Fengzhou, the biggest regret of Huang Wenxu and Lu Weimin when communicating was that Fengzhou was still a little late in promoting this work, and its efforts were not enough. He also realized this during his tenure as Secretary of the Fengzhou Municipal Party Committee.

It spared no effort to promote the construction of the enterprise credit reporting system, and the construction of the personal credit reporting system only started two years ago and was relatively backward. Therefore, Fengzhou lags behind Songzhou in the development of entrepreneurial industries. After all, entrepreneurial enterprises are a whole.

If you have a blank, it will be more difficult for you to obtain bank financing, unlike those original companies that have established better credit reporting, which is easier to gain bank recognition in this regard.
Chapter completed!