In fact, Liu Yonghao said that the 500 million is exaggerated.

Although the Federation of Industry and Commerce has just entered the preparatory stage this year, it is an old calendar.

As early as 92 years, when the reform of the economic system had just been determined, there was a proposal in the Federation of Industry and Commerce to set up a private bank to provide loans for member units and provide financial convenience for the development of private enterprises that were difficult to borrow.

But in the decades before that, private banks were in conflict with the state system. Therefore, in '93, after the Federation of Industry and Commerce submitted the proposal for the preparatory bank, this matter was polished after repeated consultations, and until the two years of '95, there was no progress at all.

Later, XXX, who was the bamboo seat of the Federation of Industry and Commerce at the time, wrote a letter to Vice President Zhu, who had just arrived at the State Council, stating the practical difficulties faced by private enterprises now, as well as the strong hope that the government could liberalize the policy of private banks.

Zhu was born in college, and has been in Shanghai for many years, and has been in contact with international banks like Citibank and is no stranger to private banks. He is also a leader who dares to break through and break stereotypes. Not long after receiving the letter, he replied and suggested that the People's Bank of China and other competent departments should appropriately relax policies on the premise of not violating economic principles and ensuring that economic order is not chaotic.

With this reply, Liu Yonghao and other shareholders of the first batch of the Federation of Industry and Commerce set up a preparatory office.

500 million saying, is there any moisture?

Indeed there is.

But Liu Yonghao is not exaggerating that the preparatory office is indeed short of money now.

The proposal of the Federation of Industry and Commerce to submit was strongly supported by the vast majority of member units.

At that time, almost all enterprises expected that the federation would be able to set up such a bank, so that it would be convenient for them to take out loans when they needed funds for their own enterprises in the future.

According to the resolutions of the first few meetings, the money for the establishment of the bank was also jointly funded by more than 100 units that supported the proposal.

But as the old saying goes, multiple dragon kings divide more drought.

What's the matter, if he is a small group of people who persist in doing it, maybe he can still succeed. But the big guys all say it, and when it comes, you point to him, he points at you, and each kicks his mind, and the general thing can't be done.

This principle is put in the bank, and it has become the current situation.

Originally, it was said that he would take the money, but when it came to the real chapter of taking the money and buying shares, all the fires were extinguished.

Some say that there is a problem with capital turnover, some say that the efficiency is not good, and even more directly say that they can't make up the money in their hands now, so let them remember the shares first, and then the funds will be returned to the account after the bank is prepared.

said a thousand ways and ten thousand, there must be a temporary lack of money, but most people are still afraid.

What are you afraid of?

Afraid of the direction of the wind.

In the past few years, although the policy has been getting better and better year by year, the planned economic system has lasted for so many years, and many people have come to make a deal and invest in a small business, but millions of dollars have smashed such a new game of private banks, and their thinking can not be changed for a while.

Dismount first at the bridge, and don't compete for the transition first.

But not everyone dares to take the first bite of crab.

That's it, when it came time for the real chapter to use the money, Liu Yonghao and a few leaders counted it.

Get...... More than 50 companies have been confirmed to contribute, adding up to less than 1 billion.

The 1.5 billion required by the face risk reserve fund is still more than one-third short.

Bubblegum tires - can't breathe!

Even if the policy is relaxed, it is impossible to use this little money to run a bank.

After chatting with Li Xian about the cause and effect, Liu Yonghao sat up straight.

"Li Dong, it is difficult for those who succeed and easy to lose, and those who are rare and easy to lose. You know, according to the situation in our country, how difficult it is to set up a private bank. Now that the ninety-nine bows have come over, it is just the last trembling. What a good opportunity, if it is lost because of insufficient funds, it will not be reconciled! Today, when I went to President Li's place, I actually wanted to see if there was any interest in investing in this first private bank in Shanghai. It's also a coincidence, I heard that you are here, and I think that New Taipei has developed well in recent years......"

Li Xianyi grinned.

Liu Yong didn't understand what he meant.

Even if you are a fool, you can now see what the other party means by inviting you to board the thief ship.

But Liu Yong really thought wrong, how much money did he have to do business these years?

If you don't talk about others, you can say New Taipei.

Over the years, there has been no less money, and there has been no less investment.

Almost invest when you have money, invest when you have money. In addition to the paper industry and the wine industry, which are two big money-burners, the food company and the Songjiang Industrial (Pharmaceutical) Branch and the logistics branch are in the time of expansion, especially the pharmaceutical and logistics sectors. A large number of equipment, plant additions, storage warehouses, vehicles, Li Xian, who burned money, couldn't bear to read the report.

But then again, even if the group's projects do not expand, Li Xianda has no intention of saving money at the beginning.

Now the speed of economic development is like a monkey in the sky, that is, with a whistle to go up, the prices of means of production and means of subsistence have plummeted, and the depreciation of the renminbi has broken ten percent of the bank interest rate.

As long as the overall debt ratio of the group is maintained in a safe area, it can be said that it is still relatively stable by relying on New Taipei's four businesses with abundant cash flow, namely paper, pharmaceutical, food and logistics, which are about to generate revenue.

So if the New Taipei Group wants to say that there is no money now, it is money. In the first three quarters, the total output value exceeded 2.5 billion yuan, which was a stable batch.

Can you say that you have money?

How much is taken out of the account at once depends on how determined Li Xian can be to draw blood. I can endure the nagging and complaining of the arms below. Hold on to death, stop the additional investment in non-essential projects of the group's branches in the next quarter, and make one or two hundred million yuan is not a big problem.

If you masturbate more, it will hurt your body a little......

But does he want to run a bank?

Gotta think!

What is the mode of these transactions that I am doing now? It is to pay for the means of production, set up production units, and then circulate the fruits of production to the market to make money. It's a round of money here.

But what is the profit model of the bank?

Deposit and loan spreads, intermediary business income generated by customers and other organizations from capital operations, handling fees, government lending, derivative investments, and even reserves paid to the People's Bank of China are twice as high as the deposit interest rate of ordinary residents.

That's money making money!

Let's put it this way.

New Taipei Group sits in the Northeast like a tiger and spreads its minions to the Central Plains market.

But this tiger is a juvenile tiger.

Li Xian is now in the middle of the market, which is now prosperous and prosperous, and it is full of competition. In New Taipei's business, the pharmaceutical industry has not yet completely transformed to the route planned by Li Xian, and still takes health care products as its main business. As for the paper industry, Li Xian must have been a good industry before 2002. But the more you go on, the more you will be affected by resources and environmental protection, and you may not have a particularly good time. Logistics and food, on the other hand, are fully competitive industries.

Li Xian naturally has twelve points of confidence that he can control all his business well.

But as the saying goes, people don't have a thousand days, and they are old enough to be empty. People have front and back eyes, and they are rich for a thousand years.

The business of private banks may be difficult for two years at the moment, and in Li Xian's impression, Minsheng Bank did not operate very well at the beginning of its establishment. However, with the rise of the private economy in the next ten years, the demand for loans from the private sector is getting higher and higher, and it will be a long-term and stable meal ticket when it grows.

If you can get a piece of the pie here, I am afraid that I will not be able to shake myself in the future.

The fuse of the business.

Thinking of this, Li Xian put down the chopsticks in his hand, knocked on the table and asked, "Mr. Liu, the statement of five billion is too nonsense, you tell me the truth." Pull up the bank shelf, how much is the difference. ”

"The minimum standard on the PBOC's side is 300 million. Liu Yong's good tiger skin was exposed, and he was not embarrassed, and directly showed his hole cards.

"Oh. Li Xian nodded, "How much is the minimum investment?"

"This," Liu Yong couldn't help but be a little disappointed when he said this, "As I said just now, the current situation is here, that is, there is a large funding gap." There is no hard and fast minimum standard in the United Nations...... But Li Dong, this two million ...... It's really useless. ”

Li Xian understood that Liu Yong was embarrassed.

Sending away the work of asking for rice and flowers.

Get.

Li Xian nodded deeply, "Then Mr. Liu, how much can you invest at most, and how many shares do you occupy?"

"Ha," Liu Yonghao snorted, thinking that this young man's thinking was a jump, and he didn't have a fixed number in his heart, so he picked the tip of the bull's horn and asked, "Dong Li, now there is a gap of more than 200 million yuan, if you take it all out, this major shareholder ......"

Halfway through the words, Liu Yong closed his mouth.

Because he looked at Li Xian's expression, it seemed, as if, eighty percent ...... It's not like a joke!