Chapter 929： Shot!

Entered July, and I do n’t know what happened. Some of the government ’s tone began to change a bit.

No matter who asked before, the government did not respond much to the land and real estate market in Xiangjiang.

But now, all the government officials have begun to speak.

"I think that Xiangjiang's house prices have risen a bit too fast recently. If you look at it in the long run, it may not be too good."-An official of the Department of Administration.

"Land market? Well, it's a bit chaotic now, we have to discuss it concretely, how to rectify it."-The Chief Secretary III.

"Governor MacLehose is very concerned about the current living environment of Xiangjiang. It is not ruled out to take some measures to suppress the increasingly rampant wave of real estate speculation."-A close friend of the Governor ’s Office

"......"

With the appearance of these speeches, the land market of Xiangjiang hasn't changed much, but immediately, a property of the Chinachem Group immediately opened its price and reduced the price by 50 yuan per square foot.

Since last year, this is an unprecedented price reduction!

Previously, people were raising prices, and the more they bought, the more they increased.

now what?

Huamao's price has been reduced. A 300-square-foot house can save 15,000 yuan. That's more than half a year's salary!

It is strange that the price of Huamao was reduced. When this property opened, there were only people who asked, not even a single transaction.

No, not just Chinachem.

No one has bought all the properties that have been launched in recent days.

No one continues to buy the rest of the properties for sale.

This made Xiangjiang's real estate businessman panic.

Is it true that the government is really coming to the Thunder?

How can it be! ?

They do not rely on selling land for food, not relying on the taxation of real estate, what other major income income?

But this time, no one dared to continue to cut prices.

If an avalanche is triggered, I am afraid all will be finished.

Hold on for a while and see what the situation is, the most correct decision.

In such a panic, the Chief Secretary of the Xiangjiang government and government officially promulgated a decree.

"From now on, the Finance Department will severely review the accounts of major financial companies and resolutely crack down on illegal lending and illegal lending activities. I hope that all financial companies will be prepared to take the upcoming inspections actively and seriously."

Me grass! !

This policy was made, and it immediately caused more people to worry.

Before 1978, Xiangjiang ’s banking license was very difficult to obtain, so before that, many banks entered Xiangjiang in the form of “financial companies” to carry out some loan and deposit businesses.

Then they waited until the bank license was opened. They still used the financial company that they were accustomed to to carry out deposit and loan business.

These are called regular troops.

There are also some not-so-regular ones, that is, those privately-owned financial companies in Xiangjiang, or those established by associations.

In the Xiangjiang movies of the 1980s and 1990s, those people owed high debts and profits. Basically, they owed these financial companies.

Other associations have also gone through the formalities. The financial company is authentic, but if your mortgage conditions and so on are unqualified, then they will not follow the formal path, so it is a high loan.

How many finance companies does Xiangjiang have?

As of July 1981, there are a total of 533 large and small.

Yes.

You read right.

Such a small Xiangjiang, there are 533 financial companies!

Basically, there are 5.33 financial companies on average for 10,000 people, right?

It's just that there are more than 400 of these 533, all of which were established after 1978, and more than 300 were started last year.

It can also be seen how prosperous Xiangjiang's real estate is and how many loans it has.

If ordinary people do not meet the requirements of the bank, they usually borrow money from financial companies.

Although the interest rate of the finance company will be slightly higher, even if it is a community, as long as you have enough collateral and have a normal job, then they come in accordance with the formal procedures and will not be deceived. ——Liaobian. The door also has the rules. Since you stepped into this business, as long as it is a legitimate loan from others, you cannot bring all the vices of the society, otherwise all financial companies will boycott the mouse. Shit.

The current problem is, of course, not the financial companies of these associations, but the real estate loan of the whole Xiangjiang.

Seeing that countless people have borrowed for 20 or even 30 years, and put all their savings on real estate, even the daily living expenses are not enough, Xiangjiang government will not sit idly by.

If you go on like this, there must be a problem.

And there will be big problems!

Therefore, in fact, as early as June, after the emergence of two consecutive big deals, Xiang Jiangzheng began a closed-door meeting to discuss in secret how to curb the momentum of the real estate boom.

It would certainly not work if real estate didn't rise, but it's like a huge rise, skyrocketing, crazy price increase without restraint. Once the people can't bear such strong pressure, it is likely to affect the order of the whole Xiangjiang.

But you can't just kill it with a stick, such as directly announcing that loans are not allowed to buy a house ... In this way, the real estate market has completely collapsed, and it is only Xiangjiangzheng who has cleaned up the mess.

So they discussed for half a month, and finally came up with a feasible solution.

Rectifying large and small financial companies is only the first step in the whole plan.

First knocked on the mountain, and waited until the financial company was cleaned up. If those large and medium-sized banks are not interested, Xiangjiang Zhengfu will immediately announce the second step.

If the second step does not work, then there are the third step, the fourth step ... will become more and more strict, until all real estate developers and banks are soft.

香江 政. Fu has not managed the real estate market for a long time.

Now, the finance company panics, but the ordinary people are even more panicked.

Finance company loans to private individuals, the interest will be much higher than the bank.

Similarly, if they absorb deposits, the interest will be much higher than that of the bank.

Therefore, many citizens of Xiangjiang put their deposits in financial companies.

Of course, they dare not give those small financial companies, but those large and medium-sized financial companies, behind the bank background, but they are very fond of saving money.

Now, the government says that these financial companies are not standardized, and they have to thoroughly investigate them. Ordinary people think that my money must be taken back quickly, otherwise they will be swallowed if they are not insured?

Especially for deposit users who have only three months, half a year, and one year, they do n’t want to think directly, preferring no interest, but also withdrawing their own money.

For a time, more than 300,000 people in Xiangjiang went to various financial companies to withdraw their money.

This financial company is crying without tears.

Even banks run the risk of bankruptcy, let alone their financial companies.

If they are not quite formal, these short-term deposits alone are enough for them to drink a pot.

Even so, they have passed their parent company outside of Xiangjiang and urgently transferred a sum of money to pass the customs.

Why?

Because they did not put these deposits in the account!

They all lent these deposits out, or they started various stocks, investments, etc.

Finance companies understand that it is an unforgivable waste to let money lie on their accounts, and they will certainly not make such mistakes.

And throwing out a lot of money like this will inevitably result in insufficient reserves. Once a run-off occurs, it is a very dangerous thing.

Finance companies are now facing such a huge risk, the money on the account is simply not enough for deposit users to withdraw!

Therefore, if it is not the full support of the parent company, I am afraid that there will be direct failures.

In such a situation, how dare you say they go to lend again?

Refinance is really about to collapse!

If is broken, all the money will be lost.

Therefore, instead of daring to continue lending, these finance companies immediately urged those who have already made loans and are about to repay.

Even large and medium-sized financial companies dare not lend money, and small financial companies are immediately vigilant, and quickly reserve some money to prepare for the shortage, and they can also top it when there is something.

So no matter whether the loan is being reviewed or has been approved, all of these loans have been stopped in the past few days, and the loan will not be given at all.

If the customer is in a hurry, they would rather lose a little money and have to cancel these loan businesses.

Among the choices for survival or making money, they can only choose one, and idiots know which one to change.

Ok ~ www.novelhall.com ~ This financial department has scared the public and financial companies before they even started checking. The real estate businessmen in Xiangjiang suddenly felt a little bad in their hearts.

Their feelings are actually right.

After just three days, HSBC, one of the largest banks in Xiangjiang, one of the note-issuing banks, issued an external announcement.

"From now on, the Bank will conduct a more stringent qualification review of real estate loan customers. This includes but is not limited to the review of whether the mortgaged building meets the value, the lender's repayment ability ... etc.

Even HSBC has done this, and immediately Standard Chartered Bank, Hang Seng Bank, etc. have also issued a statement, all of which are all in the way of controlling loans.

These banks are not financial companies! The decree issued by the Chief Secretary simply does not include them.

But they responded immediately, which shows that they attach great importance to the signals given by the government.

Is also a signal from the bank to the government.

Look, I ’m pretty good, right?

So you don't have to issue a decree against us, we just come by ourselves!

Please don't upgrade anymore, although our family is great, we can't stand your toss! ...

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