life in the sky

Judging from the current real estate bank credit risk, it includes two aspects.On the one hand, it is the bank credit risk of real estate development.The regulatory authorities have a strict market access system for real estate developers to obtain bank credit. For example, real estate developers must have their own funds above 35, otherwise it is impossible to obtain bank loans; to wait.

Another aspect is the credit risk of real estate personal mortgage loans.The country also has strict regulations on this.Regrettably, due to the short development period of the domestic real estate market and imperfect systems and regulations, there are many defects in bank credit risk management.Coupled with the relationship between interests and other aspects, banks are now afraid and unwilling to take the initiative to withdraw from the real estate industry, and take a negative response to the national regulations, thus planting a very large hidden danger.

Vice Premier Hou is also very clear that the fall in housing prices has a great impact on domestic commercial banks, and the first to be hit hard are real estate developers.At present, the main purpose of real estate developers pushing banks to the front is to hope that the government will not change the current real estate policy and financial policy, let alone implement a tight monetary policy.Everyone knows Sima Zhaozhi's heart. If this is the case, then my country's real estate market will return to the old way.In fact, this is a game between the central government and many real estate developers. In addition, local governments at all levels are fueling the flames because of land sales finances, making the situation of the entire national real estate market more and more confusing.

In a modern economy and society, the government cannot rely on administrative orders alone. It is necessary to give full play to the leverage of banks and taxation. In order to cool down the national real estate market, the role of banks is undoubtedly crucial.

"Comrade Guoxing, please talk about what we need to do."

"Strictly control the bank's credit support for the real estate industry. In particular, it is necessary to raise the credit threshold for some real estate developers who lack their own funds. I can take my time."

Vice-Premier Hou understood that Mu Guoxing was giving these real estate developers a trick to draw their salaries from the bottom of the pot. Using land as a mortgage loan is the best way for real estate developers to solve their funds. The way they usually use is to use relatively small funds to buy The next piece of land comes, and through various operations, the surrounding real estate prices will be raised. In the end, the appraised price of the land in their hands will be much higher than the previous sale price.

At this time, the developers can use the land as a mortgage through a series of operations, and the loan is often several times or even ten times higher than the original land transfer price. There is money in the house, and it is very possible to use the built buildings to borrow money from the bank, and to withdraw a large amount of funds through pre-sale.

The final result is that the price of buildings is getting higher and higher, and developers only need to spend very little money to achieve the purpose of making huge profits.Once the rectification of the real estate market begins, the prices of buildings will fall, and the banks will be damaged in the end, which will surely bring huge disaster to the country's immature financial market.

VIP Two Thousand 370 Chapter Seven Responsibilities

The two reached a consensus on strengthening the management of real estate credit.Mu Guoxing felt that Vice Premier Hou looked very serious on the surface, with a look of resignation, but in fact, if he communicated seriously and explained the truth clearly, he would still be able to listen to different opinions.

"Vice Premier Hou, thank you for your support to my work. The Control Commission is planning to call relevant state ministries and commissions to hold a briefing on real estate consolidation in the near future. I hope you can come and say a few words."

"It is my duty." Vice Premier Hou said with a smile, "I will definitely attend this meeting. You can just let the general office notify me when the time comes."

The two of them drank tea at the same time, which meant that this issue had been discussed. Vice Premier Hou said with a smile: "Comrade Guoxing, I admire your work ability very much. I will definitely vote for you in the general election." Tickets, our country really needs talents like you."

"Thank you, Vice Premier Hou. Our goal is the same, and we are all for the prosperity and strength of this country and the nation. We need a lot of help and support from you old comrades in the future."

"Hehe, Comrade Guoxing's words are good. I don't dare to help and support, but I can always provide you with some useful experience and lessons."

Back at the office of the Control Commission, Zheng Wei walked in: "Master, Secretary Lang Yueming of Central Plains Province and Governor Peng Junhai are waiting in the conference room."

Mu Guoxing looked at the schedule and smiled: "Look, the conversation between me and Vice Premier Hou has passed for more than two hours without knowing it, making people wait. You can arrange it. I will invite them two at noon." Eat alone."

Mu Guoxing and Lang Yueming were old acquaintances, and it was the first time they met Peng Junhai. After shaking hands and greetings, the three of them sat down on the sofa. The prime minister went there for a while, and the talk was speculative, so he came back late."

"There are many opportunities in the long day, it doesn't matter if we wait for a while."

Mu Guoxing waved his hand: "It doesn't count to have a lot of work every day. It's a fact that we are busy with work. We may have a longer talk today. Let's have dinner here at noon. Let's chat while eating."

This time it was Peng Junhai who reported to Mu Guoxing. From this point, it could be seen that Lang Yueming respected Peng Junhai very much.Under normal circumstances, the secretary of the provincial party committee will not let go of any good opportunity to show his face in front of the head of the central government, but there are two aspects to this sentence. When reporting the results, the secretary of the provincial party committee must do his part, but he must I am afraid that he may not be so active.

During the 10-minute report, Mu Guoxing listened carefully, and asked a few questions from time to time. Lang Yueming carefully observed the expression on Mu Guoxing's face, and saw that he was a little disappointed at the end. He is good at hiding his inner world, but it is really not easy to see something from his face.

"Judging from your reports, Central Plains Province has made some achievements in the past few years. Although the economic development is not very fast, it has maintained a mid-range level in the country. The most important thing is that you have outstanding achievements in your work. I put a word of stability, and I agree with this aspect. Only a stable society can talk about economic development.”

Lang Yueming was happy, and said with a smile: "Thank you for your praise. Our work is not enough. For example, we have taken some detours in developing the real estate market."

Mu Guoxing waved his hand: "The past is over, and you can't put all the responsibility on your head. After all, your intention is good, and you also want to boost the economy of Zhongyuan Province."

Mu Guoxing signaled Lang Yueming and Peng Junhai to drink tea together. It was obvious that Peng Junhai was still a little nervous. Mu Guoxing said with a smile: "This is the first time I met Comrade Junhai, so don't be so restrained when you come to me. from the grassroots.”

Peng Junhai thought to himself, can I compare with you?You are a prince, you have such a great background, you have been promoted to No. 1 in China, and deputy state-level cadres in your early forties are rare even in the world.

To the surprise of Lang Yueming and Peng Junhai, in the subsequent speech, Mu Guoxing had the economic figures they had just reported at his fingertips. Not bad at all.Just this one move made Peng Junhai very admired. Everyone said that Mu Guoxing's work ability was strong, which seemed to be true at all. Not to mention other things, this amazing memory is not something ordinary people can match.

At this time, the two officials of the feudal border acted as secretaries, and they were scribbling records. They knew that Mu Guoxing's speech was the leadership's instructions, especially in the current situation, Mu Guoxing's instructions were particularly important. important.

Ever since they received the notice from the General Office of the Central Committee asking Lang Yueming and Peng Junhai to go to Beijing to report to Mu Guoxing, the two of them were really worried.They also know that although the work in Central Plains Province has been in the middle and relatively stable in the past few years, it has not made great achievements in economic development.The Central Plains is a large agricultural province, and there are no mineral resources in the territory. It is very difficult to vigorously develop the real estate industry, and the province's economic aggregate barely maintains its position in the middle reaches. The central government is going to rectify the real estate market again. For this pillar industry, where will the new economic growth point of Zhongyuan Province be in the future?

But it won’t work without rectification. The tone in the central document is extremely strict. If anyone does not implement the central government’s rectification of the real estate market, the central government will hold them accountable. The so-called accountability, everyone understands what it means. Official hat?Especially now that we are facing the critical moment of the general election, no one dares to take it lightly under such circumstances.

The two communicated with each other several times before finally deciding to report to Mu Guoxing the problems in the real estate development in Central Plains. Of course, they were also prepared to be criticized.Unexpectedly, Mu Guoxing not only did not criticize them in his speech, but also assumed most of the responsibility on behalf of the central government, which surprised and moved the two of them.

"Master, Central Plains Province has taken a big detour in real estate development. In this regard, our provincial party committee is responsible. On behalf of the Central Plains Provincial Committee, I will conduct a review to the central government and ask the elder for criticism."

Lang Yueming's attitude is very correct. At least he didn't put all the responsibility on the provincial government. Now there are not many provincial party committee secretaries like this. There are many provincial and municipal party committee secretaries. If there is a problem, the governor must come forward, so many people now say that if there is a good thing, it is the secretary's fault, and if there is a problem, it is the government's fault.

"The Central Plains Provincial Party Committee has such a good attitude, and criticism is unnecessary. The key is how do you plan to carry out the rectification of real estate in the future?"

"Long, after the central government's document on comprehensive real estate rectification was issued, our provincial party committee held several enlarged meetings of the Standing Committee to study this issue. We decided to learn from Jiangnan's experience in the next step of real estate rectification, and strive to achieve it in the shortest possible time. This is our work plan to rectify the real estate market in Central Plains within a short period of time, please review it in advance.”

The Jiangnan model was proposed by Chief No. [-] at the Politburo meeting. Although No. [-]'s speech was not conveyed in the form of a document, the officials in various provinces in Xinjiang also knew it quickly. In addition, Mu Guoxing He is not only a member of the Politburo, director of the Control Committee, but also secretary of the Jiangnan Provincial Party Committee. The Central Plains Province proposed to rectify the real estate market according to the Jiangnan model, and there is no lack of suspicion of flattering Mu Guoxing.

"Comrade Yue Ming, I appreciate the attitude of the Central Plains Provincial Party Committee. However, the Jiangnan model is only an individual and cannot represent the specific conditions of various provinces and cities across the country. The Central Plains is a large agricultural province, and its industrial foundation is relatively weak. , It is obviously inappropriate to fully copy the Jiangnan model. How much of the total real economy of the Central Plains accounts for the entire GDP, and how much does Jiangnan account for? The two are obviously not comparable."

VIP Two Thousand 370 Nine Chapters Grassroots Exercise (Second Watch for Flowers)

For this conversation, Mu Guoxing, Lang Yueming and Peng Shuhai were all very satisfied.

Mu Guoxing conquered Lang Yueming and Peng Shuhai with his personal charm, pragmatic work style, and solid knowledge of economic theory.And Lang Yueming and Peng Shuhai also got advice from Mu Guoxing. They not only understood the central government's purpose of real estate rectification, but also understood Mu Guoxing's true thoughts.

Now some people want to see Mu Guoxing's jokes. They think that if the real estate market is to be rectified, it will not only touch the interests of some vested interest groups, but also touch the cheese of local governments at all levels. If these two major forces Together, Mu Guoxing's life will definitely not be easy in the future.If there is any problem in the rectification work of the real estate market, and the economy shows a large-scale landslide, then the current central leadership will also be dissatisfied with him.In this way, not to mention that Mu Guoxing entered the core leadership of the Central Committee during the general election, whether he can keep his current position is still a matter of debate.

Everything has two sides, it depends on how one handles it, Mu Guoxing has come up from the grassroots step by step, coupled with his extraordinary political wisdom, and so many years of political experience, how can he Can you not see this?

Since some people want to see jokes, let the facts speak for themselves. By taking advantage of the opportunities of various provinces and cities to ask for instructions and report work, Mu Guoxing will have the opportunity to get in close contact with these officials in the frontier, and will further get closer to these officials. It is much better to win the support of most provinces and cities than to do work for them solemnly.

In the general election, if you want all provinces and cities to support a person, then this person must first have strong working ability, rich political experience, and personal charm that can conquer all living beings.Although there is a strict hierarchical system in the officialdom, lower-level officials must absolutely obey the instructions of their superiors, but if they do not meet the above three conditions and rely solely on the suppression of orders, they dare not raise any objections on the surface, but I may not be so convinced in my heart.

Mu Guoxing happened to have these three basic conditions, and combined with his rich knowledge of economic theory, he was able to come up with some good solutions for some officials in Xinjiang to address specific problems in various provinces and cities. Under such circumstances, who would not be convinced by him?Man is such a strange animal, as long as he is convinced by a certain person, he will follow his orders wholeheartedly in the future. There are too many examples of this in history.

There are two thick stacks of reports from more than [-] provinces and cities on the desk. Mu Guoxing reads the documents differently from other leaders. Now some leading cadres read the documents only by the title, and then turn to the last page , know what the people below are asking for instructions, and then they will slap their heads and make instructions according to their own likes and dislikes, regardless of the content of these reports, but pity the exhausted brain cells of those scholars who drafted these reports.

While looking at these documents, Mu Guoxing was thinking hard. With his photographic memory and rich political experience, often after reading a document, he would outline a general working idea in his mind. .

Mu Guoxing was also different from others when he gave instructions. He did not simply draw circles or give instructions such as consent and discretion, but wrote down his opinions on the document seriously on the document processing note. Views on the issues raised in the document, as well as issues that need attention in the future, and sometimes make practical suggestions.

Don't underestimate the words approved by the leader on the document. When lower-level officials ask for instructions from the leader, the most important thing is to hope that the leader has a clear attitude. It is best to be able to give specific instructions. It took a lot of effort. The report written with painstaking efforts naturally hopes to attract the attention of the leaders.

Some leaders are busy with work and don't have time to deal with these piles of documents, or they are not sure about some issues, so they will draw a circle on their names to indicate that they have read them and will not make any instructions.In this way, the work intensity of the leader has been reduced, but it is difficult for the people below. The leader has only seen it, and no one knows what kind of attitude it is. This document was re-edited and submitted, which formed a very funny document trip. Sometimes a problem was often repeated several times, and the leader still did not have a clear attitude in the end.

Under such circumstances, the attitude of the people below towards this leader can be imagined, not to mention respect, it is considered good not to greet the female relatives of his family.They had no choice but to try their best to ask the leaders in person, which not only delayed the work, but also made everyone waste precious working time.Therefore, the leader's instructions on the document represent the leader's work attitude, and it is also an important link for the leader to communicate with lower-level officials. In this respect, it must not be sloppy.

Another busy day passed, and when it was almost time to get off work, Zheng Wei knocked on the door and walked in: "Sir, according to your schedule, I will go to the Shunhai Office in Beijing tonight to discuss with Comrade Liu Jiazhong, Governor of Shunhai Province. Have dinner, now the time is up, please go over now."

Mu Guoxing nodded, and walked to the elevator room first, thinking about something again, stopped in his tracks: "Secretary Zheng, have you been with me for more than three years?"

Zheng Wei smiled: "Long, I have been with you for three years, nine months and seventeen days."

"Oh, you remember quite clearly. Have you ever thought about going down to exercise? You just settled down in Jiangnan, so you don't have to run around with me in the future."

Zheng Wei's face changed slightly, and he hurriedly said: "Chang, did I do something wrong? You don't want to use me anymore?"

Mu Guoxing smiled: "Secretary Zheng, you think too much. I'm still very satisfied with your job. It's good to stay by my side, but having no grassroots work experience will be very detrimental to your future progress."

"Long, I have learned a lot since I followed you, and I don't have any ambitions. It is my greatest wish to stay by your side and do what I can for you. My progress is fast enough now. If If you want me to go to the grassroots to exercise, will it be a few years later, I want to use this time to learn more from you."