Excellent little farmer

"The results are great. The drilling equipment factory originally agreed to repay the money first and then loan it out, but after Lao Zhang received the repayment, he did not agree to lend again.

After the drilling equipment factory caused trouble in the city, Secretary Chen, Mayor He and Lao Zhang negotiated to no avail. They found Governor Ren to put pressure on the provincial bank, which made the provincial bank very passive. There was also a lot of trouble here. After all, the province finally transferred Lao Zhang and asked me to take over this mess. "

I sighed repeatedly in my heart. It seems difficult. There are many problems in state-owned enterprises now, which are not entirely operational problems. Some enterprise authorities have also delegated power. However, the inertia developed over a long period of time has no influence on the market economy. Adaptation, the huge burden brought by enterprises to run the society, and the unreasonable debt burden. All the above have already overwhelmed state-owned enterprises. In addition, if the operating mechanism is rigid, or the operators have some selfish thoughts, then this enterprise, Death is almost certain.

Small businesses will die when they die, but what about large and medium-sized state-owned enterprises?

The livelihoods of thousands of workers are involved, and there are so many families behind them. Once they are laid off and lose their jobs, the huge impact it will have on society cannot be dealt with in a few simple sentences.

Even though the central government is now making great efforts to require local governments at all levels to establish and improve social security mechanisms and systems to ensure the basic living security and re-employment rights of laid-off enterprise employees, this cannot be accomplished in a day or two.

The huge laid-off and unemployed people put unimaginable pressure on a local party committee and government. Therefore, the local party committee and government are absolutely unwilling to take the path of bankruptcy and disintegration of enterprises unless they have to.

But for banks, it is still a big problem. The government puts pressure on these companies to lend money, but the corporate efficiency makes banks unable to bear such huge risks. Banks are not financial, and funds must be efficient. For banks, society The benefits are virtual, and economic interests come first.

It used to be nothing during the planned economy period, but now the assessment of banks at all levels is based on economic indicators. No matter how satisfied the local party committee and government are with you, but you have huge losses, there is only one way to go: dismissal; similarly, If your relationship with the local party committee and government is too tense, it will in turn affect the bank's survival in this area. How to handle this situation depends on your ability as the leader.

Kong Jingyuan has been in charge of industry for two years. According to his performance in Guining, he should have some ideas and methods. However, after I learned about it for a period of time, it seems that Kong Jingyuan has done nothing in industry.

I thought about it for a long time. I don’t know if there is something wrong with my feeling, but it is the case. That’s why I want to know about the situation of Huaiqing industry. Industrial taxation is something that I, the executive deputy mayor, should keep an eye on. I should ask about it. Also normal.

My visit to Xiaohuashan can be regarded as semi-public and semi-private. On the one hand, I represent the municipal government to understand the financial operations. On the other hand, I also want to understand the liabilities and operating performance of the city's enterprises, especially large and medium-sized state-owned enterprises, through the financial sector. Of course, I hope to learn something more substantial from Xiao Huashan.

The Five Golden Flowers in Huaiqing are currently in a sluggish state. The five companies have considerable loans from Huaiqing ICBC. This has become a huge burden for Huaiqing ICBC. After Xiao Huashan took office, Huaiqing ICBC Afterwards, he was not in a much better mood than I was when I took office as the executive deputy mayor. In short, he was also moving forward with a heavy burden. How to resolve such a huge burden was also a problem facing Xiao Huashan.

Just taking it in but not letting it go seems to be the safest method, but it is quite difficult to manipulate. Not to mention the huge pressure from the local party committee and government. For example, among the five major enterprises in Huaiqing, except for two that are municipal enterprises, the remaining three are provincial enterprises. They cannot survive for a while. Moreover, although their operations are difficult, they are not The only way is bankruptcy and dissolution;

Zhongnan Heavy Machinery Factory, Drilling Equipment Factory, and Boiler Factory are all well-known enterprises in the industry, with large scale and high output value. They were once brilliant in the past few years, but have only come to a standstill in the past few years. If we can find the right Adjustment and reform may not necessarily lead to a new life.

As for the machine tool factory and the metallurgical machinery factory, although these two are municipal enterprises, they have always been the leading star companies in the city. Although the current recession is temporary, it is unrealistic to say that they will be bankrupt and disbanded. In this case, , if you want it to survive and live better, both the government and the banks need to show a little sincerity.

As soon as I sat down here in Xiao Huashan, I was delayed for most of the day. I didn't bring anyone from the municipal government office, so Xiao Huashan left me here to have a drink. It was just the two of us, and Kong Lingguang also left in advance quite wisely.

Xiao Huashan also introduced some information he learned about the metallurgical machinery plant. The metallurgical machinery plant's efficiency has begun to decline sharply in the past two or three years. In fact, although the efficiency has also declined in the past few years, the magnitude of the decline has not been large.

However, in the past two years, especially last year, perhaps because the city had sensed the intention to restructure the enterprise, the situation of the enterprise deteriorated rapidly, and the government was helpless. The factory director and party secretary remained unchanged, but the efficiency plummeted. Regarding the impending bankruptcy of the enterprise Rumors of disintegration are also rampant, causing employees of the company to petition and block the city government.

According to Xiao Huashan's understanding, the production and sales of the Metallurgical Machinery Factory are still normal, but it is difficult to collect money because most of the Metallurgical Machinery Factory's customers are customers from other provinces. Moreover, as long as a few payments cannot be collected, it may cause the company to fail. Malfunction.

The bank also conducted research and found that there have been obvious problems with sales collection since the year before the year before last. In the past three years, one of the three to five payments has been unable to be collected, or only part of it can be collected, and the historical arrears are even worse. I have never recovered any money, and I have fought several lawsuits, but I won the lawsuits and lost the money. On the contrary, I paid a lot of legal fees, so that when I couldn't recover the money, I didn't even bother to resort to law. .

Xiao Huashan further introduced that in fact, according to their knowledge and understanding, although the Metallurgical Machinery Factory has also developed some new customers, its main sales channels are still old customers with whom it has cooperated for many years. Of course, it is not ruled out that some old customers may encounter operating difficulties in the economic tide. , or there have been some changes in the managers' thinking, but it is still a bit strange that the metallurgical machinery factory has such serious operating difficulties.

"Huashan, why are you so 'dedicated' to the Metallurgical Machinery Factory?"

I couldn't help but ask this question. Logically speaking, although the bank cares about the debtor's operating conditions, it has to be understood that this level is far beyond the level of "concern" that ordinary banks have for loan customers. Even if the other party is a Big customers are also unlikely.

"Qingquan, this is not something I know. It was something left to me by my previous bank elder, Zhang."

Xiao Huashan said with a faint smile: "Firstly, the Metallurgical Machinery Factory is now our largest outstanding account, and it is still increasing; secondly, the municipal party committee and the municipal government are still putting pressure on us, asking us to continue give them loans;

Thirdly, the Provincial Bank of China asked me to come to Huaiqing because the proportion of bad debts in Huaiqing was obviously too large. It requested that I improve the situation during my tenure. In other words, if I still want to make progress in my career, , then you have to write a beautiful article on it;

Fourth, and most importantly, Lao Zhang felt very unwilling after class. In fact, he had already done some work before get out of class, such as investigating and understanding this aspect. He felt that there were some problems with the Metallurgical Machinery Factory itself, but he If you die before your ambition is fulfilled, don't you just leave the things to me? "

"Interesting, it seems that you, President Zhang, are still a caring person." I narrowed my eyes, and there was a faint light shining in my eyes.

"There is nothing wrong with Lao Zhang's character, which means there is something wrong with his target. Qingquan, I think your nose seems to be quite good! You smelled something so quickly."

Xiao Huashan also admires this guy. How long has he been in Huaiqing? He was half a month later than himself, and he still had some things left by his predecessor, but this guy came with bare hands and figured out the flavor so quickly.

I smiled leisurely and said: "If you are serving the job of the Communist Party and consuming taxpayers' money, then you have to do something serious, right? Huashan, I think we should be the same people! Hehe! Come on, shake hands. , encourage each other.”

"You kid, you are still so naughty. Now that you have become the executive deputy mayor, it is better to be more steady." After saying that, Xiao Huashan laughed and asked: "How did you detect the smell of this?"

"Hehe! There are many factors, it's hard to describe it in one word."

I waved my hand lightly and said: "However, I can only say that it is just some suspicion now, and I can't say anything else. Let's wait and see what happens."

The words between the two of them were like charades, neither could explain clearly, but they both understood what the other said.