The warm morning sun fell on the two of them. This feeling is very comfortable, Liu Qiao can clearly and carefully look at every detail of the other party's expression. Combining the exquisite comfort required by Italian men and the steady atmosphere of British warriors, the open-angle Xianchi shirt is worn on this man, although it does not see much luxury, but the more ordinary it is, the more there is a smell of hiding in the box.

Although the square face has a little bit of a sense of distance that is difficult to get close to, but it is more contour and personality, from the side, it is quite tasteful, it is difficult to look at this guy is subconsciously changing, of course, it will not be because of the appearance of the opposite, this guy is not a handsome little student, and the broad face is too ordinary. Aside from a bit of toughness, there isn't much else that catches the eye on the first side.

But after a long contact, the more you will feel the smell of this guy, how to say it, like a treasure, as time goes by, the more the west is excavated, and you will find more things buried underneath, which is Liu Qiao's hurried feeling to read, and in the same way, she also has

Zhao Guodong's charm comes from many aspects. In addition to the rise in his career, what made Liu Qiao more curious was the thoughts hidden in this guy's head.

Vision determines the realm, and mind determines the pattern.

To be able to resolutely jump back to Anyuan from the hot position of the Ministry of Energy, and go to a remote city with a lack of foundation, in Liu Qiao's view. It can't be done without great perseverance and courage.

With Zhao Guodong's character, since he went to Ningling, he naturally wanted to turn Ningling upside down, and look at his performance for more than a year. It is true that this has been done, although United Semiconductor has its own credit, but Liu Qi also knows that the rule of profit-seeking is determined to be so, and it is not something he can dominate.

Without China United Investment, other investment institutions will enter, just like CSG Semiconductor and Fenghua Brick Industry, even the tour capital in the Jiangxi area dares to join forces to enter this industry, which shows how attractive it is.

The slightly blue cheeks are probably due to the fact that the beard is clean enough, and the eyebrows are slightly condensed. Zhao Guodong's gaze fell on the promenade that meandered forward in the distance, this man's contemplative expression was indeed cool, a bit of a melancholy prince, but it was a pity that only one of himself appreciated this expression, Liu Qiao smiled secretly in his heart, wasting such a pair of ribs.

Zhao Guodong really didn't notice that he gave this next to him. A chance 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 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, but banks have concerns about banks, enterprises have worries about enterprises, and it is not suitable for the government to be too deeply involved as a functional management department, so it can only do some publicity and promotion. But it is difficult to really break through the psychological barriers and the real distance between the two sides.

Ningling is far from being able to compare with the coastal areas in many aspects, especially the consciousness and atmosphere that Liu Qiao said, which is quite critical, wishful thinking that as long as two guarantee companies are introduced, banks and small and medium-sized business owners can buy it, that is pure self-deception, and if it is not good, it is really like Liu Qiao's ridicule, and there will be two or three orders of business in a year and a half. That's a hot face and a cold ass.

"Liu Qiao, how do you think we should break through this? The situation in Ningling is there. Our government is also actively coordinating the banking sector, but each has its own difficulties, risk control is also the basis of the bank's survival, and the government cannot interfere with the normal business of the bank.

This problem certainly exists in the coastal areas, but it is even more difficult and more prominent in the inland areas. After all, the coastal areas are relatively abundant in private capital. Through relatives, friends, fellow villagers, clans and other connections, you can also borrow some funds, although the interest is very high, but for developing small and medium-sized enterprises. Maybe it's the life-saving money when you can't survive it. In the inland areas, there is a lack of funds, mainly relying on the financial sector, if the financial sector tightens, it is a sigh that there is no way to borrow.

"In fact, many people have considered this problem, and they can't get rid of those aspects, but either the risk is not easy to control, that is, the bank risk is transferred to the guarantee company, but the guarantee company is not a fool, of course, it also considers the risk, so the effect is the same, or the method has greater limitations. Or that it is difficult to implement, Liu Qiao said while thinking, since Zhao Guodong has such a correct attitude, she is not stingy with "teaching".

"I want to hear about it." Zhao Guodong leaned forward slightly, and the serious expression on his face was enough to show that he attached importance to this issue.

"Very... 10. The reason why banks are reluctant to lend to small and medium-sized enterprises is that the collateral of the industry is in a gap, the management cost is high, and the small and medium-sized enterprises are greatly affected by the economic climate. It will bring losses to the bank, secondly, the disposal of these mortgage assets is also a major problem, the management cost is quite high, the guarantee company is equivalent to transferring these small and medium-sized enterprises to themselves, and it should try to avoid risks, the understanding of the business status is the key, and this is the most difficult to control, especially in the current domestic commercial integrity system has not yet been established, it is even more problematic, so it will also be repeatedly screened, which will definitely have an impact on the efficiency Liu Qiao introduced while combing.

"The financing of small and medium-sized enterprises must have encountered problems, urgently need funds, and the time requirements are high, the efficiency is not high, and naturally it will lose its meaning, which is the current problem that all parties are tangled in."

Zhao Guodong frowned, of course he knows these problems, the key is how to solve the problem?

"I have some suggestions, as for whether it is effective, or whether it is operable, it depends on your own feeling Liu Qiao certainly knows what Zhao Guodong is thinking, "First, choose a guarantee company with a high degree of credibility, you must know the roots, and let it quickly gain the recognition of the financial sector." Therefore, it is very important for these guarantee companies to form shareholders or backgrounds, and obtaining the approval of the bank is the foundation, otherwise everything is empty talk; Second. In order to quickly form mutual trust between the guarantee company and the demand enterprise, information symmetry is very important, especially the guarantee company's information understanding of the demand enterprise, which is the key to solving the problem

Zhao Guodong figured out some flavors, and his interest became stronger and stronger, which seemed to have some impressions in the memory of later generations, and a certain place had some limelight 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 can not grasp a lot of information about the development of enterprises, including the market situation of enterprises, the integrity of business owners, credibility and liabilities, etc., especially the latter, guarantee companies are subject to many constraints, and it is precisely at this point that government departments have unique advantages and resources, if government departments can cooperate with guarantee companies in this regard, I think this problem can be solved to a certain extent."

Zhao Guodong's heart suddenly brightened, but then he immediately thought of some questions: "But the information held by government departments cannot be disclosed to enterprises at will." There may be legal restrictions and obstacles in this regard. ”

"Gordon, you reacted quickly and thoughtfully, so I said that some methods don't work well. And some methods have some obstacles in terms of operability. How do you deal with the contradictions between them, it depends on your own ability, if I can do it for you, I should be the secretary of the municipal party committee, hehe. Liu Qiao laughed coquettishly, a forty-year-old, laughing quite tastefully.

"Well, this, the problem I think I can find a way to solve it Zhao Guodong thought about it. "Information cannot be disclosed, but our government functional departments can evaluate the integrity of some enterprises and establish a credit system within the government for enterprises and specific groups." I think the government can make a difference. Liu Qiao, introduce the friends you just said who are willing in this regard, and welcome them to come to our Ningling to inspect and invest, I dare not say in other places, within the boundaries of Ningling, our Ningling Municipal Party Committee and Municipal Government are willing to provide them with the greatest support in this regard

Liu Qiao showed an appreciative look in his eyes, this man was really extraordinary, not to mention his quick thinking. I was able to express my attitude so boldly and resolutely. Unlike some so-called sophisticated and calm people who have to go back to discuss and study, this is the personal style.

"Okay, I can get you in touch. Anyway, you have to stay in Hujiang for a few days, and you are afraid of hunger... If you don't come, you have to blame me. Originally, it was good to come to Hujiang for a vacation and take advantage of this Golden Week to take a break. Maybe it's going to be a business trip. Liu Qiao smiled slightly, "I hope there will be a good result." ”

Zhao Guodong also laughed loudly, "Liu Qiao, I really have to thank you for your help, and I hope you are the same as always."

"Look, what kind of place is this, how can good words become so formulaic in your mouth? If you want me to help, you should say something that sounds pleasant, okay? Liu Qiao glared at Zhao Guodong. Don't be immersed in your environment, this is Hujiang, China's largest metropolis, and you're here to enjoy it exclusively

Zhao Guodong was about to answer, but he looked behind Liu Qiao with a surprised look on his face, and a magnetic deep voice sounded, "Qiaoqiao, what makes you feel so happy?" Can you tell me about it? ”

W