"Hey, haven't you heard, the EMBA class has been having a lot of fun lately!"

"Hmm, there are about 40 people in Minhang, what kind of excitement can there be?"

"You don't know about this, do you? Whether this can be chaotic or lively depends not on how many people there are, but on who they are. ”

"What kind of person? Oh, you can't be talking about the New Taipei Group, right? I heard that he is in an EMBA program. But... It's only been a few days, isn't it?"

"Hah, man, you're too insensitive to information. My buddy in the EMBA class said that Li Xian and Professor Wang were pinching again. This time is even more evil than the last time, it is said that in order to find fault, Li Xian used the assessment to yin Wang Hongyang, saying that he was afraid that Professor Wang would go to the street to ask for food because of his assessment plan!"

"Nonsense, don't dance Xuanxuan, why is the final assessment of EMBA still related to asking for food?"

"Oh, why am I lying to you? If you tell a lie, my mother-in-law will immediately fall from the stairs and die!"

“...... New Taipei is really a talent, and if he doesn't do good business, how can he clean up the moths this day!"

"Hey, you don't understand this, do you? When you have a certain level of money, you have to pursue progress from the spiritual level! I'll tell you......"

I don't know where the rumors leaked out first, Li Xian's plan has just been submitted, and the next day CEIBS has already spread about the EMBA class assessment in CEIBS.

The outside disturbed one after another, and persuaded a small second building near Jiaotong University.

The current housing prices in Shanghai are not low according to the per capita income standard. And similar universities, especially near the top universities in China, housing prices are rising.

The small second floor is quite old, although it is in a prosperous place, but both inside and outside, it is full of elegance. The courtyard gate creeper, the balcony gentleman orchid, through the door into the full bookshelves, the nose smells the smell of the scholarly door.

Li Mingxin, the director of Xiaolou, was sitting on the sofa in the living room at this time, enthusiastically pouring tea for the group of four people sitting opposite.

Next to him, Wu Jinglian was also there.

"The state's policy on private commercial banks is now very clear, as long as we operate in accordance with our banking regulations, operate in accordance with the procedures stipulated by the state, operate in an open and transparent manner, and do not violate market regulations, there will be absolutely no problem. We have also talked about this issue on the old side, and there must be development. ”

Wu Jinglian gently put the teacup on the coffee table, smiled and looked at Liu Yonghao, who was sitting opposite him, and said.

Liu Yong has been in Shanghai for two days.

This time, if not for anything else, just one thing - to prepare for the bank.

From the establishment of reform and opening up in 79 to the present, although China's economy has been developing rapidly, private enterprises have sprung up on the land of China. However, whether it was before or now, it is a long-standing problem for private enterprises to get loans from banks.

Except for some private entrepreneurs with government backgrounds, the general CEO of a private enterprise is short of money and wants to borrow from the bank, which can basically be summed up in one sentence;

Dream of marrying Xi Shi - think beautifully!

If others don't mention it, they say that Liu Yong is good.

At the beginning, I hoped to open a new feed factory, but there was a gap of more than 600,000 yuan. The Liu brothers begged their grandfather to sue their grandmother, negotiated with several local banks for half a year, and even mortgaged the hope hatchery with an annual profit of more than one million, but they didn't do it.

In the eyes of today's banks, private enterprises are like grass growing in the field.

It doesn't matter if the wind direction changes one day, or if there is something in the market, the grass will lie down.

Therefore, in terms of loan policy, banks would rather lend to state-owned enterprises that lose money every year, rather than to lend to private enterprises that make profits every year.

For an insurance. After all, state-owned enterprises have mothers' families, and when it comes to the day when they can't repay the loan, they can still find a higher department.

But private enterprises are different, if the factory is yellow, the boss takes the boss's sister-in-law to run away, then how to fix the bad debts?

It can't be said that it is narrow-minded, but the current banking system is such a concept.

The attitude towards private enterprises can be summed up in six words, two sentences - I can't believe it, I can't look at it.

Far from it.

Let's just say that Liu Yong is good, he hoped that the company's loan was not loaned, but he has always been a pimple in his heart.

In 1993, Liu Yonghao became the vice chairman of the All-China Federation of Industry and Commerce, which was the first vice chairman of the Federation of Industry and Commerce appointed by a private entrepreneur after the reform and opening up.

What does the Federation of Industry and Commerce do?

The bridge and link between industry and private enterprises, bring the ideas and voices of private enterprises to the above, and transmit the above policies to the private enterprises.

As soon as Liu Yong took office, he found a lot of private enterprises to understand his ideas. As a result, everyone said in unison that they couldn't get a loan, and of course there were many other problems, but the worst thing was that they couldn't get a loan.

Not all companies can get the strong support of the local government like New Taipei Group.

If you can't get a loan, you can't develop.

It was from that time that Liu Yonghao had the idea of setting up a private bank to lend to private enterprises.

In this way, at the conference of the Federation of Industry and Commerce, Liu Yonghao put forward a proposal.

The idea is good, but the reality is very unkind.

All domestic banks are state-owned, and none of them are privately owned or foreign-owned.

Although this matter has been supported by many enterprises of the Federation of Industry and Commerce, there has been no progress at all for more than a year.

In the end, the chairman of the Federation of Industry and Commerce made proposals, suggestions, and decisions discussed by the Federation of Industry and Commerce to Mr. Zhu, and received a reply.

Liu Yonghao came to Shanghai this time to find Li Mingxin and Wu Jinglian, not to inquire about policies or to solicit the opinions of these two economic experts.

Why?

Lack of money,

To run a bank, the policy is difficult. What is more important besides policy?

Money!

The more money, the better, there is no upper limit.

Now the bank application procedures have been specially approved, and the enterprises within the Federation of Industry and Commerce have also supported it. But when it was really time to collect the money and open the certificate, Liu Yonghao and several other initiators were dumbfounded.

The thunder is loud and the rain is small, and the screaming is happy and the running is fast.

The vast majority of those who kept saying that they supported it before couldn't come up with the money when it came to the real chapter. From the approval in October to the present, counting the money of the first batch of initiators such as Liu Yonghao, a total of less than 200 million has been raised.

200 million, is it much?

The price standard of 20 yuan for "washing your hair" near the train station is definitely a lot.

But not talking about the purpose and just talking about the amount, it is a hooligan.

If you don't do anything, you can wash your hair until you have atrophic necrosis of both kidneys.

But if you want to open a bank, isn't it a joke?

What are you doing?

To put it mildly, when the risk reserve is not enough, there may not be enough money.

Seeing that the blood could not be extracted within the Federation of Industry and Commerce, Liu Yonghao had to run out with a few initiators.

"Director Li, Mr. Wu, we are not here for this, but mainly to see if you two are influential in the business community in Shanghai, and see if you can help us introduce entrepreneurs who are interested in investing in our people's livelihood. You see......"

Jingle bell bell,

Liu Yonghao hasn't finished speaking,

The phone in the living room rang.

Li Mingxin made an apologetic gesture and got up to pick up the phone.

"Hey, please. ”

"What?

"Went to the street to ask for food?!"

"Nonsense! They have contradictions in private, so how can they still make such a fuss if they forget about the sword and the arrow!

"Where's the man? I'll go right over!"

A phone call almost made Li Mingxin blow up his lungs.

Back in front of the sofa, he waved his hand to Liu Yonghao and the others, and said weakly: "Mr. Liu, I have some things on my side, I need to deal with it, don't go, I'll be the east at night, let's talk again." ”

"......" Liu Yonghao nodded, hesitated for a moment, and asked, "Director Li, I heard you say on the phone just now...... Li Xian, the chairman of the New Taipei Group, Li Xian?

"Huh?" Li Mingxin said unexpectedly: "What, Mr. Liu knows?"

"Of course, when I first participated in CCTV activities in the capital, I had a very happy conversation with Chairman Li and Mr. Pan from Cologne. ...... he?"

Facing Liu Yonghao's inquiring eyes, Li Mingxin rubbed his temples.

"Alas, you old acquaintance, you're about to stir our Central Europe Dragon Palace into a pot of wonton soup!"

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