To develop the economy, sufficient financial guarantees must be provided.

You can't wait until you have money to do everything.

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

Not to return?

The cooperative can directly take back the collateral such as the tractor and sell it again, and there will be no bad debts or bad debts.

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

The cooperative has no money.

Everyone knows it.

Otherwise, every year after farmers sell grain, they will not just open notes, turning the money they should give to farmers into the deposit figure of a cooperative.

"There is no need for much in the early stage. People who buy tractors must make money. Repaying a monthly amount not only will the cooperative recover some, but also will make the repayment pressure of those who buy tractors with loans less. After all, if you repay some, the interest will be less. Even the county can hand over some transportation business to them. In this way, even if they don't pay back the loan, the cooperative will not lose anything..."

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

Who doesn’t have tens of billions or even more loans for those rich people with a net worth of tens of billions or even more?

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

"Of course, this also requires the purchaser to give a down payment first..."

Speaking of these issues, Liu Chunlai was completely wise.

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

The county needs to develop, but lacks funds for starting.

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

If Tianfu Machinery Factory produces more, there will be more taxes; at the same time, there will be a large amount of income if you borrow money.

It can fully revitalize the economy of the entire county.

As for those who borrow money to other counties?

That's what happened next.

"The county finance does not have much money to dispatch, and the expenditure this year has increased a lot, especially Qingshan Commune's construction of deep-water docks and other projects... and also need to prepare funds for the expansion of the power station..."

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

Bao Yong did not have any joy, but looked at Liu Chunlai with an unhappy look on his face.

This kid will make trouble.

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

Just rely on the income from farmers in the county’s farming?

"County Magistrate Lu, if this continues, the debts owed by the county will probably not be paid back for decades in the future..." 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 object.

Lu Hongtao looked at Liu Chunlai with a bitter face, while Xu Zhiqiang just smoked and said nothing.

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

"We can borrow 500,000 yuan for the initial start-up capital in the name of the brigade." Liu Chunlai estimated the funds he had and the current efforts to recover funds from the garment and furniture factories.

To develop Tianfu Machinery Factory, it must have a new model.

"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 the loan from the Agricultural Bank..." Bao Yong shook his head.

Now it is no longer a matter of money.

Liu Chunlai also knew that this was not a matter of money.

It is much easier for the county government to raise funds than it is.

"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. In this case, there are only two solutions - increasing revenue and reducing expenditure. If it is just reducing expenditure, how much money can our county save?"

Bao Yong stopped talking.

The new deputy director Xie Hua, like other staff from the Finance Bureau, didn't say anything at the beginning.

People from the Finance Bureau did not have a good impression of Liu Chunlai.

It is true that Liu Chunlai provided more income, but in order to provide support to Liu Chunlai, the county has a funding gap of more than 30 million based on the current preliminary budget.

What's more, if Liu Chunlai helped the county get 30 million US dollars in foreign exchange, the county finance bureau would need to raise at least 60 million soft-girl coins for Liu Chunlai.

Even the funds rewarded by the state have to be given to Liu Chunlai.

Foreign exchange is not free.

There was a US dollar foreign exchange transaction before, and Pengxian and Shancheng Light Industry Bureau each divided half of it, which required Pengxian Finance Bureau to raise at least 1.5 million yuan in funds first.

Finally, foreign exchange is used to buy things.

1.5 million in cash, that is for Liu Chunlai’s Chunyu Company…

Everyone knows that Liu Chunlai is not in vain to take this money, but this money must be collected by the Finance Bureau and cannot be used.

Since Liu Chunlai appeared, the pressure on the entire Peng County Finance Bureau has suddenly increased significantly.

Throttle is the main approach they are currently taking.

If you can throw it away, the county finance naturally doesn’t want to continue paying wages to support it.

Open source, how to open source?

Everyone looked at Liu Chunlai without saying a word.

"If you want to develop anywhere, it is not possible without bank financial services. From bank loans, it is difficult for individuals to lend too much due to policies and other reasons. Large items like tractors are means of production, but they are different from those of ordinary agricultural tools..." Liu Chunlai didn't know much about the bank loan policies in this era, so he probably still understood them.

Sometimes I heard his mother Yang Aiqun chattering, the interest rate was too expensive.

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

Liu Fuwang sometimes talks a few words.

A commune like Xingfu Commune that can borrow hundreds of thousands of yuan is unique in the whole county.

After all, this is the poorest commune.

Without a loan, it is impossible to pay the national grain tax and local coordination money, and the county finance cannot settle the bill.

The same thing is owing money. The loan owed to the cooperative is different from the superior official unit, and there is also interest.

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

Liu Chunlai's purpose is actually very clear.

Start a bank!

And it's a commercial bank.

Only in this way can future development be easier.

Of course, the country does not have this policy now, and if you want to run a bank, you will not be able to obtain a business license at all.

Is there nothing I can do?

There is a way.

As long as the county finance endorsement is endorsed, everything will be easy.

Even Liu Chunlai wanted to tie Pengxian's finances to the development chariot of his own enterprise.

"This is no precedent, and we are in a county that runs a bank, isn't that too... that's a bit?" Lu Hongtao was also frightened by Liu Chunlai's idea.

His lover turned out to be the deputy director of the Finance Bureau.

He doesn't understand finance, but he also knows some.

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 the cooperative? Some of our projects lack funds before, and did they also raise funds through the cooperative?"

The county runs its own bank!

That was a precedent in the country.

"Yes, this is actually improved based on the role of the cooperative... We can apply for some development funds from the city, and at the same time ask the superior chief unit to arrange some personnel with strong business capabilities to strengthen management..." Liu Chunlai said more and more excitedly.

Bao Yong and others even felt a little scared in their eyes.

What is Liu Chunlai trying to do?

Once there is a problem with the bank, what's wrong?

"Of course, at the beginning, we cannot apply for the establishment of a bank. We can use the special funding model to conduct exploration and experiments..." Liu Chunlai also felt that the more he said, the more he said it, the more outrageous he became.

It is not a good thing to express your ideas too clearly.

The steps are too big and it is easy to pull the egg.
To be continued...