If you can't repay the loan in the future, Feng Ni himself and other officials related to this matter, if one is counted as one, they will all be unlucky, and the lightest will be distributed overseas!

In the face of officials like Feng Ni who pressed their political future, even if the senior management of the Imperial Bank and the Royal Bank was not very optimistic about this project, they still agreed to give Feng Ni a chance!

Well!

Just a chance!

There are precedents of loan defaults in Tongzhou, as well as in many other local yamen loan defaults, and now banks are giving loans to local yamen with a 12-point cautious attitude, for fear that they will be cheated if they are not careful.

Although if Feng Ni can really come up with a perfect plan for the development of the third industry and a loan repayment plan, then whether it is for policy reasons or to make money, they will not refuse.

After all, the Imperial Bank and the Royal Bank, although one is directly under the Ministry of State-owned Enterprises and the other is directly under the Royal Assets Section, with a strong official background, and also makes some policy investments, but in essence, they are still commercial banks.

Since it's a commercial bank, it's about making money.

Originally, lending to the government is much more troublesome than lending to enterprises, the interest rate is still low, and sometimes it is still an unsecured loan, and the risk is relatively large.

But even if the money can be finally recovered, it is always troublesome, and the political impact is not good, and the Imperial Bank was under great political pressure at that time for the default of the Tongzhou loan.

So, if the risk is too great, they still won't lend!

However, the Imperial Bank and the Royal Bank are willing to give Feng Ni a chance, and Feng Ni will naturally firmly grasp it and not give up.

Feng Ni quickly organized officials who were good at economics in Huating, and then came up with a perfect development plan for the third industrial zone, and the loan repayment plan was based on the disposable income of Huating's local finance (except for the part that was distributed to the Huating county treasury after being handed over to the state treasury).

With the current financial revenue of Huating County, it is naturally impossible to repay, but they are using the tax revenue after the smooth development of the third industrial zone in the future as an important income.

According to their estimates, even if there is no increase in investment in the future, only for these enterprises that have invested and are ready to invest, the subsequent tax contribution will be enough to repay the interest and part of the principal of this loan

However, if the loan is in place and the infrastructure of the tertiary industrial zone is completed, it will inevitably attract more enterprises to move in, and then these additional enterprises will be able to provide more tax revenue, and they will be sure to pay off all the principal and interest within 10 years.

At the same time, in order to dispel the concerns of the banks, Huating is also preparing to compress other aspects of the financial start, ready to introduce an official salary control plan, Feng Ni led by the main officials of Huating County, take the lead in reducing salaries, cut benefits, so as to reduce the salary expenses of the county's administrative officials, this part of the savings, will also be used as a guarantee to repay the loan interest, when the third industrial zone tax is not enough to repay the interest, then will be targeted by these guarantees.

I dare not say whether the principal can be replaced, but Feng Ni is still sure that the interest can be replaced!

Although Feng Ni's move was risky, he was not risky without any preparation, this time, he was ready to borrow a full 500,000 yuan from the bank!

This amount of money is more than five times the annual disposable financial income of Huating County!

The initial conditions given by the bank are that the loan of 500,000 yuan will be delivered at a 97% discount, and the 0.3% discount is the financing cost, with an annual interest rate of 8 percent, to be repaid in 10 years, and only the interest will be repaid in the first five years, and the principal will be repaid year by year in the next five years.

According to this calculation, the interest expense in the first five years alone has reached 40,000 yuan per year!

This interest expense can be said to be a huge burden for today's Huating Finance, not to mention that after five years, the principal will be repaid, and this figure will be even more.

The bank lent out 500,000 yuan, and after 10 years, they will be able to get a return of nearly 1 million!

A good business!

But the risk is also very great, if the development of the third industrial zone in Huating is not good, then there is no money to repay, not to mention the principal, the interest will not be able to be repaid, even if it is sued to the court, forcing the higher financial back, then the political impact will be very bad.

After all, the Imperial Bank and the Royal Bank are still official banks in the final analysis, and if they force the local government too hard and cause bad political influence, then it is not a good thing for the person in charge of the bank.

But Feng Ni doesn't care about this, he is confident that he will do a good job in the third industrial zone, take another risk, and make his career smoother.

After simple and complicated negotiations, the Imperial Bank and the Royal Bank finally reached a loan agreement with Huating!

Huating County has obtained a total of 500,000 yuan of loans, which will be delivered at a ninety-seven discount with an annual interest rate of 8%, and will be repaid in ten years!

However, in order to ensure the safety of the funds, but also to ensure the success of the project, the bank directly supervises the use of funds, which can only be used for the development and construction of the tertiary industrial zone, and cannot be used for other aspects.

This is to prevent the officials of Huating from misappropriating the money to other aspects, and then let the third industrial zone continue to be half-dead, which will be a big trouble at that time, not only for Huating, but also for the banks.

Therefore, the supervision of funds is very necessary!

And this kind of supervision must be done by the banks, who don't trust the local officials!

If you meet that bold fool and divert the money for other purposes or even give it to corruption, a lot of people will have to lose their lives!

Nowadays, the corruption situation in the officialdom is so serious, even the people in the bank are aware of it, so they are cautious and cautious in dealing with the local government, and even the people inside the bank have conducted a secret investigation in the early stage, what is the investigation?

Naturally, it is to investigate the financial situation of relevant officials in Huating, and the two major banks have joined forces, which is enough to investigate all the accounts of these officials and the related assets, but after the previous anti-corruption purge, the situation in Huating is relatively good.

Huating County allowed Feng Ni to survive this anti-corruption storm safely, naturally because the top did not find much evidence of him, at most it was some trivial things.

The other big corrupt officials have either been beheaded or sent to major mining areas to mine.

This time, the anti-corruption storm of the Tang Empire is blowing very big, and the time has lasted for a very long time!

The anti-corruption storm that began in November has been blowing all winter, and now it is early spring, and it is still blowing, and after entering Xuanping 17 years later, you can still hear from time to time that some high-ranking officials have fallen from power.

These corrupt officials are not arrested in a single day, but one in a few days, and even the Anti-Corruption Bureau of the Inspectorate, which is responsible for fighting corruption, is no exception.

A deputy director of the anti-corruption bureau, who also led the team to fight corruption on the front foot, arrested a large number of people, and said that the officialdom is bad now, and it needs to be rectified more severely, but the back foot was taken away by the people of the internal affairs agency of the Inspectorate, why? Because he is greedy for more money than the corrupt officials he arrested.

When he was in charge of the case, he received bribes from many officials, thus sparing some corrupt officials.

However, as the imperial history of the anti-corruption inspectorate, the sense of prevention is still very strong, he never collects money in person, he always asks people who have nothing to do with him on the surface to collect bribe funds, and never accepts checks, large bank checks, bank account transfers, etc., he only accepts cash.

And in daily life, he behaved normally, did not live a luxurious and corrupt life, and did not let the clansmen spend all the money, but hid all the money from corruption.

And the place where the money is hidden is also very interesting, not at home, not in the house of the outer room, nor sent back to his hometown, let alone any investment or anything like that, he just exchanged all the money for gold, and then stored it in the bank's vault under a false identity......

However, he was still corrected, and in the end, when the law enforcement officer opened the bank vault he rented, everyone was stunned when they saw the almost mountain-like gold in the vault.

These gold and silver, there are large gold bricks, small gold bars, gold leaves, gold beans and the like, as well as gold coins minted by the Imperial Mint, as well as various gold ingots in the pre-Ming Dynasty, and even a lot of gold jewelry products.

In the end, it was found that the total value of the gold hidden in the vault by this person reached more than 600,000 yuan!

The amount of corruption is actually nothing compared to the many super corrupt officials arrested by the empire, and there are many people who have used corruption and position to make millions of dollars, and this hundreds of thousands of people can only be regarded as an ordinary level.

But with a corrupt official like him, who doesn't want anything, and changes all of it to gold, that's the first time I've encountered it!

As for depositing the stolen money in the bank vault, it was a precedent for creating the history of anti-corruption in the empire, letting everyone know that the most dangerous place is also the safest place.

If it weren't for the fact that the investigators investigated from other directions, and finally confessed after the person was caught, I'm afraid the investigators wouldn't have figured out where he hid the stolen money.

The case also has the added effect of forcing the banking industry to strictly supervise the vault business, and although the people who rent the vaults were registered in the past, but the registration was not strict enough, it will now be more strictly regulated to prevent criminals from hiding the bank vaults on the spot.

There are such big corrupt officials within the Anti-Corruption Bureau of the Inspectorate, not to mention other agencies, there are many corrupt officials of all kinds, and they have not been caught for several months.

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