life in the sky

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For example, they set the mortgage interest rate for the purchase of the first house as ten years, and the payment ratio must reach 30.00%. %, the loan interest rate will increase by 5.00%. In this way, the cumulative average will more than double the original loan interest rate, which means that the bank has taken a large amount of life money from the pockets of ordinary people. .

Now all commercial banks have implemented the joint-stock system. Except for a very small number of private banks, most of them are controlled by the state. The guidelines and policies formulated by the bank mean that they must obey Zyang's orders.

However, the actual implementation is not like this. First, according to the relevant internal regulations of the bank, there is a floating amount on the basis of the loan interest rate. As long as it does not exceed this amount, each commercial bank can flexibly control it according to the specific situation. This has prompted some commercial banks to ignore Zyang's executive order and take advantage of their monopoly position to do whatever they want.

In addition, the bank is a directly managed unit, and each provincial bank must obey the orders of the head office. That is to say, they will do whatever the head office tells them to do. They may not buy the orders of the local government.

Regarding this issue, Mu Guoxing once communicated with Vice Premier Hou, who is in charge of financial work, and the two also reached an agreement on this issue. Commercial banks must follow the instructions of the Regulatory Commission and take measures for people who buy their first houses. Favorable loan policy.

The problems that occurred in the North Central and Central Plains provinces are another typical case where there are policies at the top and countermeasures at the bottom. However, their approach is more secretive and harmful than what the North Central Province did.On the surface, the bank has implemented the regulations of the Regulatory Commission and lowered the loan interest rate, but in fact, it has been falling sharply and rising secretly. The ten-year mortgage period and the 30.00% payment ratio, for ordinary people, It is a difficult obstacle to overcome, and it is impossible to do it at all.

In the absence of a substantial increase in income, if ordinary people want to buy a house, they must extend the mortgage term and reduce the payment ratio. In doing so, they must increase the interest rate of the loan and the term of the mortgage. Policy, pay more loan interest.

The current situation is that the money in the hands of ordinary people is less put into the pockets of businessmen, and more is put into the pockets of banks.On the surface, commercial banks are controlled by the state, and the excess money paid by ordinary people will eventually go to the treasury, but in fact this is far from the case. Now our country’s management of state-owned enterprises is very irregular, and it is not really in accordance with the market economy. work.

For example, if the state holds 70.00% of a commercial bank, then according to the company law, the commercial bank should also hand over 70.00% of its annual profits to the state, but in fact this is not the case at all.Commercial banks, like the vast majority of state-owned enterprises, only pay a small amount of profits to the state every year, and most of them are divided up by other shareholders or those vested interest groups. In a very vivid sentence, it is It is extremely abnormal for the state to occupy the interests of small shareholders in the name of a major shareholder.

Then again, if we want to completely solve this problem, it is far beyond the authority of Mu Guoxing, the director of the Control Committee. It must have multiple departments to communicate and reach a consensus led by Zyang Make decisions collectively.In this way, a wide range of subjects have been involved. It is not that other people have not seen the disadvantages of state-owned enterprises and state-controlled banks. Why no one has raised this issue is worth pondering.

The whole night, Mu Guoxing pondered over this matter over and over again. He felt that he had encountered an invisible big net, and this net could never be broken by relying on his own strength alone. Once you get into this big net, if you don't do it well, you will be bound by this big net and you will be unable to move an inch.There may be a ruined end in the end.

On the day before leaving Zhongyuan Province, at the symposium of the four major teams, Mu Guoxing, on behalf of the Control Committee, expressed affirmation of the work done by Zhongyuan Province in the real estate rectification, and believed that they had completed Zyang's first step in real estate rectification For the tasks of the first stage, some work has already gone ahead of other provinces and cities.Of course, Mu Guoxing will not mention the bank issue at this meeting. He knows that it is useless to talk about this issue at the meeting. If Zyang's senior management does not have a unified understanding, it may cause serious problems It is wisest to be able to protect oneself in the struggle against the frenzied counterattack of a large force.

After attending the farewell banquet held by the four major teams of the Central Plains Province for the research team, Mu Guoxing asked Zheng Wei to invite Lang Yueming to his residence. The business has already been done, and other issues should be considered. The Central Plains is a population For a large province, being able to obtain the support of the Central Plains Province is very beneficial to Mu Guoxing's smooth entry into the leadership core.

"Comrade Yue Ming, I am very satisfied with the investigation in Central Plains Province this time. Zyang thinks that the work of Central Plains Province is doing well. I hope that under the leadership of the Provincial Party Committee with you as the leader, Central Plains Province can do a good job in the future. better."

Lang Yueming quickly understood the meaning of Mu Guoxing's words. A few days ago, he heard that Zyang's nomination allowed him to continue to be the secretary of the Central Plains Provincial Party Committee. It is far more clear than Mu Guoxing's own words.Mu Guoxing is not an ordinary member of the Politburo. He is going to enter the core of the next generation of leaders. A big man like him will never talk indiscriminately. It will sit more firmly.

"I would like to thank Zyang for his trust in Zhongyuan Province, and also thank the chief for his support. In the future, Zhongyuan Province will closely follow Zyang's pace, and under the personal leadership of the chief, we will carry out the work of our province."

Mu Guoxing smiled in satisfaction. Both sides understood each other's meaning, and it was meaningless to say anything more at this time.

At the railway station, there are three steps, one post, five steps and one post. A special train with four dark green 22-type carriages is parked quietly on the westernmost side of the platform. The special train left.

This afternoon, the main leaders of the station were notified that a special train was going to stop at this station. Afterwards, the Public Security Bureau dispatched a large number of plainclothes policemen to conduct strict control of the station inside and out. Almost at the same time, about two squadrons of soldiers also surrounded the station. To put it in a common way, let alone a person, even a bird could not fly over.

After tossing until eight o'clock in the evening, a row of cars drove directly to the platform. Several railway employees on duty who had passed strict inspection saw that the captain of this special train was very young, which was totally different from what they had imagined.In the minds of these people, Chief Zyang is generally an old man in his 70s or [-]s, and the chief in front of him looks like a department-level cadre at best.

VIP Two Thousand 410 Chapter Eight

Three hours later, the special train entered the territory of Shannan Province. Lin Hao came over and said to Mu Guoxing who was concentrating on reading the documents: "Director, according to the original plan, the special train will stop at the station ahead. Secretary Ma Mingxiang of Shannan Province and Chang and the governor will get in the car and report to you."

Mu Guoxing nodded: "Since it's decided, let's stop for a while."

Sometimes Mu Guoxing feels that in some cases, besides his own brain, he has to be at the mercy of others where he parks his car, who he meets, and what he does. The script is constantly busy.

Let's take this meeting with Ma Mingxiang and Chang Tong as an example. It was also arranged according to the itinerary set by the Central Office. I don't know how busy these people in Shannan Province will be for this report.If you don’t come down for research, you won’t be able to grasp the first-hand situation, and if you go down for research, it will inevitably affect the work at the local level. This is really a dilemma.When the people below are able to report their work truthfully, or when they come down to investigate without these red tapes, the affairs of the country will be much easier to handle.

The special train slowly stopped at a small station. Mu Guoxing opened a corner of the curtain and looked out. On the platform, there were three steps, one guard and five steps and one post. A dozen officials stood in a row facing the special train.Mu Guoxing knew that these people were the leaders of the four major teams in Shannan Province. Although they might not see Mu Guoxing this time, they still had to come to welcome them. This was also for Mu Guoxing to see.Those who come to greet them are of course everything will be fine, and those who don't come to greet them, if some people report that they don't respect the leadership, it will be terrible.

The fact that Mu Guoxing took down Sun Zhejin has already spread among the high-level officials. At this time, the officials below must be more careful. After all, they did not come to welcome Mu Guoxing for the so-called official etiquette, but mainly for the sake of The official hat on his head.

Mu Guoxing stood up. He felt that it was necessary to go down and meet these people. Regardless of whether they were sincere or not, they had come all the way in the middle of the night, so they should go and meet them.The subordinates respect the leaders, and the leaders should also have sufficient respect for the comrades below.If you want others to respect you, you have to respect others first. This sentence can be described as a wise saying.

Just as Ma Mingxiang and Chang Tong were about to get in the car, they heard a secretary who looked like he said: "Secretary Ma, Governor Chang, the governor is coming down to meet everyone."

Ma Mingxiang and Chang Tong looked at each other, they never thought that Mu Guoxing would do this.On the way here, Ma Mingxiang and Chang Tong thought that although the members of the four major teams had come, they might not be able to see Mu Guoxing, and it was enough to let the two of them report to work.

"The boss is coming down to meet the comrades!" Ma Mingxiang waved to the leaders of the four major teams, and everyone quickly lined up at the door of the carriage, everyone's face was very devout and respectful.

Mu Guoxing appeared at the door of the carriage. Ma Mingxiang took the lead in applauding. The applause of more than a dozen people was very loud. Don't underestimate the applause, which can also be divided into enthusiasm and business affairs. These cadres also applauded all the way. Climb to today's position, naturally know how to reflect the enthusiasm of the applause.

Under the introduction of Ma Mingxiang, Mu Guoxing shook hands with the heads of the four major teams cordially, and then said: "This time I went to Shunhai Province for research, and I passed by Shannan Province. Thank you comrades for taking the pains to welcome me. For Shannan The central government is satisfied with the work of the province. The central government also trusts your leadership team. I hope that everyone will continue to work hard in the future and work hard out of public interest to make the work of Shannan Province even better. Floors."

There was another burst of applause, and Mu Guoxing shook hands with the heads of the four major teams again, and then returned to the carriage accompanied by Ma Mingxiang and Chang Tong.

This was Chang Tong's first time on the special train run by the central government. He saw that although the interior decoration of the whole special train was very simple, all kinds of facilities were readily available. It was like a mobile office.

Although Mu Guoxing had met Ma Mingxiang several times before, it was only during meetings.At that time, Mu Guoxing was still the secretary of the provincial party committee, and the two sides did not have any in-depth conversations. Ma Mingxiang did not expect that Mu Guoxing's official career would go so fast. In less than two years, he was a deputy national leader. , in a few months, it will be at the national level.The status has changed, and Ma Mingxiang also feels that Mu Guoxing's aura of superiority is getting stronger and stronger at this moment.

"Comrade Mingxiang, Comrade Chang Tong, it's really unreasonable for comrades to come all the way to greet them."

"Hehe, this is the intention of the comrades, whoever is not allowed to come has emotions, we must also pay attention to democracy."

What Ma Mingxiang said was very good. It not only flattered Mu Guoxing, but also reflected Ma Mingxiang's work style of emphasizing democracy. In fact, as long as he can put his mind right in the position of secretary of the provincial party committee, he is not like Sun Zhejin. If you think there are people in the court, you will get carried away, and what you say is very decent.

Ma Mingxiang is an old subordinate of the current No. [-]. He was transferred from the position of Governor of Northern Liaoning Province to the Secretary of the Shannan Provincial Party Committee last year. Although the provinces and cities are about to start general elections, he must not be allowed to serve as the Provincial Party Committee for only one year. Secretary, just adjust the work.Therefore, at this Politburo meeting, Ma Mingxiang was also listed as the main candidate for the provincial party secretary of Shannan Province.

For this survey, Mu Guoxing mainly went to some provinces and cities that are representative in the real estate market. North Central Province is located in the north-south transportation hub and is close to Gyeonggi, so it has a relatively large influence in the country. The provinces with serious real estate development problems naturally need to take a good look at these two provinces. Only by doing a good job in the real estate rectification work in these two provinces can they set an example for the work of the whole country.

As for Thuan Hai Province and An Giang City, the provinces and cities with the fastest real estate development, their experience in real estate work is also worth summarizing.Now that we have grasped a negative example in Central and North Province, we naturally have to set up a positive example. This is called focusing on the key points and comprehensively. If the eyebrows and beards are grasped, there are more than 30 provinces and cities across the country. Mu Guoxing still doesn’t know what to investigate. time.

It can be heard that Ma Mingxiang and Chang Tong have fully prepared for this report. They not only talked about his achievements in work, but also pointed out the problems existing in their work and the problems that need to be corrected in the future. place, the whole report can be said to be carried out in a realistic manner.

Mu Guoxing still knows a little about Shannan Province's work in real estate consolidation. Last year, Lu Lin, deputy director of the Control Committee, came here to investigate.Generally speaking, the problems existing in the real estate development in Shannan Province are only general in nature. Xiang is also an old subordinate of Chief No. [-], so naturally he will not discount the implementation of the central government's policies.

The last sentence Ma Mingxiang said in the report caught Mu Guoxing's attention. "Director Mu, although Shannan Province has made some achievements in its work, there are still some shortcomings. Now our provincial party committee is most concerned about the issue of prices, especially the necessities of life such as cooking oil and pork. The price increase has been relatively high for a period of time. Regarding this issue, the provincial government has already reported to the relevant ministries and commissions of the central government, hoping to attract the attention of the central government.”

Mu Guoxing has also noticed this problem recently, especially when he came down to investigate this time, he felt that the problem of rising prices is still serious in some places.This situation has occurred in both the Central North and the Central Plains, and now I have heard that this problem also exists in Shannan, which means that the price rise of daily necessities may be a common problem.The rise in the price of daily necessities is not a trivial matter, it is a major event that will affect the stability of the society and the living standards of the people, and it may even affect the economic development of the country.

VIP Two Thousand 410 Nine Chapters Underground Weng Son-in-Law

The leaders of the four major teams in Shunhai Province were all waiting in the VIP room of Yuzhou Railway Station. Wu Hanyu knew that this was the last time he would greet the central leadership as the secretary of the provincial party committee.After the general election, he will be transferred back to the central government, and will be elected vice chairman of the CPPCC at the CPPCC National Conference next spring.Although the rank has been raised and he has become a deputy national leader, his power has obviously shrunk. The power of the vice chairman of the Chinese People's Political Consultative Conference is not the same as that of a big official in Xinjiang.

There is no way to do this. The laws of nature cannot be resisted by anyone. People will retreat when they are old.Wu Hanyu is still good, he can spend a few more years in the position of vice chairman of the CPPCC National Committee, and when the other provincial party committee secretaries reach the age limit, most of them have completely resigned.Wu Hanyu has this result because of his father, Mr. Wu. Anyway, Mr. Wu is the most important economic think tank of the central government. Of course, there is also the result of the operation of the old Mu family.

When he thought of that young boy who had become the leader of the party and the country now, and the transformation from his former subordinate to his superior now, Wu Hanyu had mixed feelings in his heart, and it would be a lie to say that he was not sour.

In terms of personal relationship, Mu Guoxing is Wu Hanyu's junior and also Wu Hanyu's underground son-in-law. Wu Hanyu shouldn't have come to welcome Mu Guoxing in person. For personal relationships, it's about rank.

"Are you all ready?"

This is the third time Wu Hanyu has asked Liu Jiazhong, and it can be seen from this that although Wu Hanyu is sour, he still attaches great importance to Mu Guoxing's investigation this time.In any case, Mu Guoxing's investigation this time is also a summary of Wu Hanyu's work in Shunhai Province in the past few years. A good evaluation will naturally draw a successful end to Wu Hanyu's career. What I most hope for before I retire.

Seeing the stationmaster of Yuzhou Station He hurried in, everyone knew that Mu Guoxing's special train was about to enter the station.Stationmaster He said: "Secretary Wu, the special train of the stationmaster is about to enter the station, and we are all ready, please give instructions!"

Wu Hanyu nodded, and under the guidance of Station Master He, he took the lead to walk out the door, stopped at the edge of the platform, and looked back at the officials following him, who had automatically lined up according to their ranks. a row.

The driver of the special train is very skilled, and the location of the stop is very suitable. The door of the special train is just in front of Wu Hanyu and his party.

The door opened, and the first to get off were two young and beautiful stewardesses from the special train, followed by several burly men in black suits, each of these people occupied a favorable terrain as soon as they stepped down. He stared at the surrounding situation eagerly.

Wu Hanyu sighed softly, the difference in level is really too big, don't look at a deputy national level, there is only one level difference between a ministerial level, but there is a big difference in the level of security. His status will be fully reflected at this time.

Mu Guoxing's figure appeared at the door of the carriage. Although he knew that Wu Hanyu would come to greet him in person, Mu Guoxing still had some obstacles in his heart when he first saw Wu Hanyu.

"Secretary Wu, hello! Thank you for your trouble! How can I bear the burden of having you personally greet me?"