I'm really just the village head

For the economy to develop, it must have adequate financial protection.

You can't wait until you have money.

In the county, there is no need to worry about farmers not paying back the money.

not return?

Cooperatives can directly take back tractors and other collateral and sell them again, and there will be no bad debts and bad debts.

"This mode of operation sounds good, but no one has done it before..." Lu Hongtao was a little worried. "The county finance can't spend much money..."

The cooperative has no money.

Everyone knows.

Otherwise, after the farmers sell their grains every year, they will not just open up the slips and turn the money that should be given to the farmers into a deposit figure for the cooperative.

"It doesn’t need much in the early stage. Those who buy tractors must be making money. Repayment every month will not only allow the cooperative to recover some, but also make the people who borrow to buy the tractor less pressure to repay. The interest will be less. Even the county can give them some transportation services, so that even if they don’t get the loan, the cooperative will not lose anything..."

As an entrepreneur who is looked down upon without taking a loan, he is naturally familiar with these things.

Those wealthy people with wealth of tens of billions to hundreds of billions, who do not have tens of billions or more of loans?

Of course, they are not personal loans, but corporate loans.

"Of course, this also requires the buyer to make a down payment first..."

When it comes to these issues, Liu Chunlai is absolutely righteous.

The more Lu Hongtao and others listened, the brighter their eyes.

The county lacks initial funds for development.

According to Liu Chunlai, there is no need to invest too much in the early stage, hundreds of thousands are enough.

If Tianfu Machinery Plant produces more, there will be more taxes; at the same time, there will be a large amount of income from loans.

Can fully revitalize the entire county's economy.

As for loans to people in other counties?

That is the future.

"The county finance does not have much money to dispatch. This year's expenditure has increased a lot, especially for the construction of the deep-water wharf in the Qingshan Commune...We have to prepare funds for power station expansion..."

Faced with Liu Chunlai's plan, the Finance Bureau was not tempted.

Bao Yong didn't have any joy, but looked at Liu Chunlai with an unhappy expression.

This kid will mess up.

The county's fiscal revenue has not increased much, and expenditures are always millions.

Relying on the income of farmers in the county?

"Mayor Lu, if this continues, the county's debt will not be paid for decades..." Bao Yong had to remind Lu Hongtao.

In the past, Ye Ling was the deputy director. Because of the relationship between the two, Lu Hongtao made many decisions and the Finance Bureau could oppose it.

Lu Hongtao looked at Liu Chunlai bitterly, and Xu Zhiqiang just smoked without saying a word.

They were waiting for Liu Chun to convince the people of the Finance Bureau.

"In the initial start-up funds, we can borrow 500,000 yuan in the name of the brigade." Liu Chunlai estimated the funds in his hand and the current strength of the garment factories and furniture factories to recover funds.

Tianfu Machinery Factory must have a new model for its development.

"That's not necessary. The question we should consider now is not whether to borrow money or not. If you want to borrow money, you can borrow part of it from the Agricultural Bank..." Bao Yong shook his head.

It's not a matter of money anymore.

Liu Chunlai also knew it was not a question of money.

It is far easier for the county government to raise funds.

"Director Bao, I know your concerns." Liu Chunlai sighed, "At present, not only our county finance, but all local finances in the country, are short of money. Under such circumstances, there are only two options-increasing revenue and reducing expenditure. . If it’s just for throttling, how much money can our county save?"

Bao Yong said nothing.

The new deputy director Xie Hua, like other members of the Finance Bureau, did not say anything at first.

For Liu Chunlai, the people in the Finance Bureau did not have a favorable impression.

It is true that Liu Chunlai has provided more income. However, in order to provide Liu Chunlai with supporting facilities, the county's funding gap is as high as 30 million or more based on the current preliminary budget.

Moreover, if Liu Chunlai helped the county obtain 30 million US dollars in foreign exchange, the county finance bureau would need to raise at least 60 million soft sister coins for Liu Chunlai.

Even the funds awarded by the state must be given to Liu Chunlai.

Foreign exchange is not free.

Before there was a dollar foreign exchange, Peng County and Shancheng Light Industry Bureau were divided into half. This requires the Peng County Finance Bureau to raise at least 1.5 million in funds.

Finally, foreign exchange is used to buy things.

1.5 million in cash, that must be given to Liu Chunlai's Chunyu Company...

Everyone knows that Liu Chunlai didn't take the money for nothing, but this money must be collected by the Bureau of Finance and cannot be used.

After Liu Chunlai appeared, the pressure on the entire Peng County Finance Bureau suddenly increased.

Throttling is the main method they currently adopt.

If it can be thrown away, the county finance will naturally not want to continue to pay wages to support it.

Open source, how to open source?

Everyone looked at Liu Chunlai without saying a word.

"Any place needs to develop without bank financial services. From bank loans, it is difficult for individuals to borrow too much due to policy and other reasons. Large items such as tractors are production materials, but they are similar to ordinary agricultural tools. The means of production are different..." Liu Chunlai doesn't know much about the bank loan policy in this era, and he probably does.

Sometimes when he hears his mother Yang Aiqun chatter, the interest is too expensive.

So after he gave the money, Yang Aiqun did nothing and repaid the bank loan first.

Liu Fuwang sometimes said something.

Happiness Commune, a commune that can lend hundreds of thousands of dollars, is unique in the county.

After all, this is the poorest commune.

Without a loan, it would be impossible to pay the state's grain tax and local overall planning, and the county finance would not be able to settle accounts.

The same is owed money. The loan owed to the cooperative is different from that owed to the higher-level official unit, and interest must be paid.

"In foreign countries, commercial banks have played a very important role. It is not very easy to raise funds for the short-term or long-term development of most companies, and companies cannot issue bonds at will... The country now encourages localities to explore development models... …We can definitely take a step forward..."

Liu Chunlai's purpose is actually very clear.

Open a bank!

And it is also a commercial bank.

Only in this way, future development will be easier.

Of course, the country currently does not have a policy in this area. If you want to set up a bank, you cannot get a business license at all.

Is this okay?

There is a way.

As long as there is county financial endorsement, everything is easy.

Even Liu Chunlai wanted to tie Peng County's finances to the development tank of his own enterprise.

"There is no precedent for this, and our county is engaged in a bank, isn't it too... so what?" Lu Hongtao was also startled by Liu Chunlai's thoughts.

His wife turned out to be the Deputy Director of the Finance Bureau.

He doesn't understand finance, but he also knows a little bit.

The state will not allow a county to run a bank.

There is no precedent to follow.

Xu Zhiqiang's eyes lit up, "Isn't this just to expand the role of cooperatives! Some of our previous projects lacked funds, are they also raising funds through cooperatives?"

Start a bank in the county!

That was the first in the country.

"Yes, in fact, this is also improved based on the role of the cooperative... We can apply for a part of the development funds from the city, and at the same time ask the higher-level official unit to arrange some people with strong business ability to strengthen management..." Liu Chunlai said more and more vigorously .

There was even a little fear in Bao Yong and the others.

What does Liu Chun want to do here?

Once the bank has a problem, what's the deal?

"Of course, at the beginning, we can't apply for the establishment of a bank. We can use the model of special funds to carry out exploration experiments..." Liu Chunlai also felt that the more he talked, the more outrageous he was.

It is not a good thing to be too obvious.

The steps are too big and it is easy to pull the eggs.

You can't be fat at one go.

Or come through other channels first.

This matter is not considered a violation of the county finances. After all, local governments can apply for the issuance of local bonds to the competent unit when they are engaged in large-scale projects.

"Our county cannot complete the task of national debt every year. If we reissue local bonds, the higher authorities will not approve it." Xie Hua directly objected, "especially the expansion of hydropower stations. Currently, we are applying to the province for the issuance of 30 million construction bonds. ..."

Directly apply for 30 million construction bonds for hydropower expansion?

This is fast enough in the county.

Can the provincial government approve it?

The expansion of the Pengxian Hydropower Station has not been several years.

"That's not a big problem. When we went to the province to apply for various approvals for joint ventures, I and the mayor worked with relevant leaders on this matter..." Xu Zhiqiang glanced at Liu Chunlai.

Liu Chunlai was stunned, what does this have to do with him?

30 million expansion of hydropower stations that have already been built, I am afraid it will not be finished.

Xie Hua couldn't say anything.

Secretary Xu started to refute himself.

"Actually, there is no need to raise funds this time, especially in the early stage... I heard from Director Chen that the county intends to equip each commune with a tractor. If so, the cooperative can directly give the money to the machinery factory in the credit cooperative. 'S account..."

Liu Chunlai's meaning is obvious.

He doesn't care how the county operates.

Anyway, don't want a tractor without seeing Qian County.

If the county wants to intervene in production and other things, then it happens that the machinery factory will give them back.

"Or, according to what you said, the county will first give a portion of the money, and then settle a sum to Tianfu Machinery Factory every month?" Lu Hongtao directly learned and used.

"Is it not good for the county finance to directly give the cooperatives? Tianfu Machinery Factory invested more than 200,000 yuan before, and this money will not be recovered for the time being. The money sold for tractors has to be settled by the supplier, and at the same time, it must continue to research and develop and produce Invest in..."

Liu Chunlai can agree?

The leaders of Tianfu Machinery Factory heard Liu Chun say that not only would they not withdraw the more than 200,000 yuan invested before, but also continue to invest, and they were a little excited.

When the county was in charge, most of the profits were collected.

As a result, the machinery factory has not developed much for so many years.

"Continue to invest? Tractors are not yet on the market..." Xu Zhiqiang wondered why Liu Chunlai was eager to invest in research and development of new technologies.

It is understandable to invest in production.