Section 36: The Storm in Shanghai (2) (Part 1)

Liu Qiao's words made Zhao Guodong fall into deep thought.

The warm sunshine in the morning fell on the two of them, and the feeling was very comfortable. Liu Qiao could clearly and carefully look at each detail on each other's body, combining the exquisite comfort required by Italian men and the steady aura of British gentleman. Although the open-angle Xianchi shirt is not very noble when worn on this man, the more ordinary it is, the more it smells like a hiding in the box.

Although the square face is a bit difficult to make people feel close, it shows more contour and personality. From the side, it looks quite interesting. No wonder Daisily's subconscious view of this guy has changed. Of course, it is not because of his appearance. This guy is not a handsome young man. His face is too ordinary. Apart from a little tough taste, there are not many other charms that can attract people on the first side.

But after getting in touch, the more you will feel the smell of this guy. How to say it is, it is like a treasure. As time goes by, the more things you dig out, you will find more things buried below. This is what Liu Qiao reads from the feeling of daisily, and she also feels like this.

Zhao Guodong's charm comes from many aspects. In addition to his rising career in the officialdom, what makes Liu Qiao even more curious is the thoughts hidden in this guy's mind.

The vision determines the state, and the mind determines the pattern.

In Liu Qiao's view, it is impossible to resolutely jump back to Anyuan from the hot position of the Ministry of Energy and develop in a remote city with insufficient foundation.

With Zhao Guodong's personality, since he went to Ningling, he naturally wanted to turn Ningling into a new look. Looking at his performance over the past year, he has indeed achieved this. Although United Semiconductor has made its own contribution, Liu Qiao also knew that the rule of capital pursuit of profits decided that this is not something he could do.

Without China Joint Investment, other investment institutions will enter. Just like NSG Semiconductor and Fenghua Silicon Industry, even hot money from Jiangsu and Zhejiang dares to join forces to enter this industry, which shows how attractive it is.

The slightly blue cheeks were probably because of the shaving beard, and Zhao Guodong's eyes slightly condensed. The winding forward walking path in the distance was indeed cool. The man's contemplative expression was indeed cool, and he had a little like a melancholy prince. Unfortunately, he was the only one who admired this expression. Liu Qiao laughed in his heart, wasting such a pose.

Zhao Guodong did not notice that he gave the person next to him an opportunity to observe at a very close distance. At this time, he was immersed in the question raised by Liu Qiao.

Liu Qiao's words are indeed very impactful. The financing problem of small and medium-sized enterprises will plague many local governments for many years. How to break this knot is also the goal that governments at all levels have been trying to achieve. However, banks have concerns about banks and companies have concerns. The government as a functional management department is too deeply involved and is not suitable. It can only do some publicity and promotion roles, but it is difficult to truly break through the psychological barriers and the real distance between both parties.

Ningling is far from comparing with coastal areas in many aspects, especially the awareness and atmosphere mentioned by Liu Qiao, which is quite critical. Wishful thinking that as long as two guarantee companies are attracted to them, banks and small and medium-sized business owners can buy it, it is purely self-deception. If it doesn't work out, it will be like Liu Qiao ridicule. It only takes two or three orders for a year or two, which is really a hot face and cold ass.

"Liu Qiao, then how do you think we should break through this? The situation in Ningling is there. Our government is also actively coordinating the banking department, but each company has its own difficulties. Controlling risks is also the basis for the survival of banks. The government cannot interfere with the normal banking business. What you said is to the point, and I am thinking about how to solve this problem." Zhao Guodong asked sincerely.

Although this problem exists on the coast, it is even more difficult and prominent in inland areas.

After all, private capital is relatively abundant on the coast, and some funds can be borrowed through relatives, friends, fellow townsmen, clans and other relationships. Although the interest rate is very high, for developing small and medium-sized enterprises, it may be the life-saving money that cannot survive in one breath. In the inland areas, funds are inherently scarce and mainly rely on the financial department. If the financial department tightens, it will be impossible to claim loans and only sigh.

"In fact, many people have considered this issue and cannot escape those aspects. However, either the risks are difficult to control, or the bank's risks are transferred to the guarantee company. However, the guarantee company is not a fool, and of course it also considers risks. Therefore, the effect is the same, either the methods have greater limitations, or the implementation is difficult." Liu Qiao said while thinking. Since Zhao Guodong's attitude is so upright, she is not stingy with "learning" some advice.

"I hope to hear it carefully." Zhao Guodong leaned forward slightly, and the serious expression on his face was enough to show his importance to this issue.

"It's very simple. The reason why banks are unwilling to lend to small and medium-sized enterprises is that the company's collateral is difficult to dispose of collateral and management costs, and small and medium-sized enterprises are greatly affected by the economic climate. Once there is a disturbance, it will cause losses to banks. Secondly, disposing of these collateral assets is also a big problem. The management cost is quite high. Guarantee companies are equivalent to transferring these small and medium-sized enterprises to themselves. They also need to avoid risks as much as possible. Understanding the business conditions of the company is the key, and this is also the most difficult to control. Especially when the domestic business integrity system has not yet been established, it seems to have many problems, so it will also screen repeatedly, which will definitely have an impact on efficiency." Liu Qiao introduced while sorting out.

"The financing of small and medium-sized enterprises must have encountered difficulties, and they urgently need funds. However, the time requirements and low efficiency will naturally lose their meaning. This is the problem that all parties are currently struggling with."

Zhao Guodong frowned. Of course he knew these problems. The key was how to solve the problem?

"I have some suggestions. As for whether it is effective or whether it is capable, it depends on your own feelings." Liu Qiao certainly knows what Zhao Guodong is thinking. "First, to choose a guarantee company with high credibility, you must know the bottom line and make it quickly recognize the financial department. Therefore, it is important for these guarantee companies to form shareholders or backgrounds. Obtaining the recognition of the bank is the basis, otherwise everything will be empty talk. Second, to quickly form mutual trust between the guarantee company and the demand company, information symmetry is important, especially the guarantee company's understanding of the information of the demand company, which is the key to solving the problem."

Zhao Guodong was thinking about some of the flavors and his interest became stronger and stronger. This seemed to be some impression in later memories. Some place was quite popular when building an integrity system. Of course, there were many specific details that needed to be solved.

"Guarantee companies are often stuck on this issue. They cannot grasp many situations about the development of the company, including the company's market situation, the company's owner's character status, credibility and liabilities, etc. Especially the latter, the guarantee companies are subject to many constraints. It is precisely at this point that government departments have unique advantages and resources. If government departments can cooperate with the guarantee companies in this regard, I think this problem can be solved to a certain extent."

Zhao Guodong suddenly felt a sudden illumination, but then he immediately thought of some questions: "But the information held by the government department cannot be disclosed to the company at will, and there may be legal obstacles and obstacles in this regard."

"Guodong, you reacted quickly and thoughtfully and thoughtfully. So I said that some methods are not effective, while some methods have some obstacles in their sexual nature. How do you handle the conflicts well depends on your own ability. If I can do it for you, I should be the municipal party committee member, haha."

Liu Qiao smiled pretty, the 40-year-old half-old Xu girl smiled quite interestingly.

"Well, I think I can find a way to solve this problem." Zhao Guodong thought about it and said decisively: "The information cannot be disclosed, but our government functional departments can evaluate the integrity of some enterprises and establish an integrity system within the government about enterprises and specific groups of people. I think the government can make a difference. Liu Qiao, introduce friends who are willing to do this. Welcome them to our Ningling inspection and investment. I dare not say anything else. In the boundary of Ningling, our Ningling Municipal Party Committee and Municipal Government are willing to provide them with the greatest support in this regard."

Liu Qiao's eyes showed an admiration. This man was indeed extraordinary. He was quick-thinking and could express his attitude so boldly and resolutely, unlike some so-called so-called sophisticated and calm people who had to go back to discuss and study it. This is his personal style.
Chapter completed!