The policies and regulations of the Ministry of Commerce add up to a total of 37 articles, which is not too much, but it is definitely a lot.

To sum up, it is nothing more than a restriction on three aspects.

The first is to limit the percentage of shareholdings.

A "maximum shareholding of 10%" rule completely blocked the ambitions of "certain people".

The second is the restriction management model.

In layman's terms: although the country has let go, you can't come wild, thereby disrupting the order of the entire financial market, and everything has to be on par with the central bank.

The third is to limit the type of service.

Since it is a private bank, its original intention was to solve the problem of difficulty in obtaining loans for private enterprises, and it cannot become an exclusive financing tool for "some" small number of people.

The document clearly stipulates that banks should open their doors to all private enterprises that meet the loan qualifications, and should not arbitrarily refuse loans from reliable private enterprises when conditions permit.

At the same time, the document also stipulates that the business scope of the bank must first serve private enterprises.

This means that until the problem of loans for private enterprises is effectively alleviated, banks cannot rashly meddle in the loans of state-owned enterprises and public institutions.

The nature of the bank is deliberately fundamentally distinguished from other state-owned banks.

After reading all the thirteen pages of information patiently, everyone also had a spectrum in their hearts, and many policies and regulations were also expected by them.

It can be seen that the central authorities have really put a lot of thought into this.

Even if there are some opinions, they are useless, and everyone knows this, so they can only accept it in their entirety.

"You've all finished reading it, right?"

Li Yadong glanced at everyone, and after seeing them nodding one after another, he continued: "The policies and regulations of the Ministry of Commerce are like this, in other words, on the premise of not violating these policies and regulations, other things are led by ourselves. And forming a bank is an extremely cumbersome thing, relying on only one person to run it, that is also quite tiring, I mean, not to talk about anything else, first of all, we have to determine the shareholding structure first. What do you think?"

After hearing him say this, everyone immediately cheered up and subconsciously straightened their waists.

This is undoubtedly the most critical step, and they are here for it.

No one had any opinions, everyone looked at Li Yadong in unison, looking like they were listening to his orders.

"In that case, let's get started. There are a total of 56 corporate representatives present, including me, and I think that it should be completely sufficient for 56 shareholders to control this bank, and there is no need to find other people to join, what do you think?" Li Yadong asked with a smile.

I thought it was a hair!

This is naturally the best, everyone nodded subconsciously, and this sentence simply went to their hearts.

"That's good. If that's the case, you can think of this meeting as the bank's first general meeting. Li Yadong said with a light smile, "On the issue of shareholders' shareholdings, I have some personal suggestions, after all, we want to establish a bank, and it is definitely not okay to make too little trouble, so I think we should first determine the general base, and then we should act according to our own actual strength." What do you think?"

"That's a good idea!" As soon as he finished speaking, Liu Yonghao on the side took the lead in nodding and said: "I agree with this method, first draw the whole round cake, and then look at the actual liquidity situation, one person divides a piece, the more points if the funds are abundant, and the less points if the funds are difficult, Brother Li's "do what you can" These four words are very good, you must not overdraw the strength and hurt the foundation, after all, the creation of the bank is not a matter of one or two days. ”

Many people said "If you don't agree, there will be ghosts", but he also understood that he would have to take real money in the end no matter what, and there was nothing wrong with his words, so they nodded in agreement.

So here's the problem.

What is the total base of the bank?

"Mr. Li, how much do you mean?" someone looked at Li Yadong and asked.

The others also pricked up their ears, after all, the matter was led by him, so even if he stood at the same starting point, his opinion was still particularly important.

To put it mildly, if it weren't for his invitation, everyone present might not be able to participate.

It's also a favor.

"I still say the same thing, after all, it is to create a bank, not too small, in the initial stage to set up headquarters and outlets or something, all aspects must use a lot of money, and there must be some remaining money as working capital. Li Yadong thought and said, "So what I mean is ...... The total base will be set at 1 billion. ”

This is still the amount he came up with according to the actual situation, if it is really according to his own meaning, 1 billion yuan is too little, and he can't wait to set it at 10 billion.

Because only with the support of huge financial support can banks develop rapidly.

But what can he do, he has to take care of everyone's financial situation, he can only get 10% of the shares after all.

However, it was such an amount that seemed to him to be close to the bottom limit, but it caused an uproar at the scene.

"1 billion?"

"So tall?"

"How can you afford it?"

"yes, that's too much......"

Even Liu Yonghao and Lu Zhiqiang couldn't help frowning.

The two of them calculated in their hearts, if the total base is 1 billion yuan, it means that every 1% of the shares need to invest 10 million, and 10% is 100 million.

Since reading the information of the Ministry of Commerce, their goal is to go for 10% of the shares, however, if this 10% of the shares need to invest 100 million......

Then they really can't take it out.

What are you kidding, how can there be a private enterprise in China that can come up with a whole 100 million yuan of liquidity at once?

"Brother Li, this foundation ...... Isn't it too high?" asked Liu Yonghao, scratching his head.

"High?" Li Yadong smiled bitterly: "Where is it high, Brother Liu, this is the creation of a bank, not an investment in a factory, on this point, I should have some experience than you, to be honest, I have a commercial bank in Russia, which has been in operation for several years, and I know very well how much it costs to set up a bank." ”

"Oh?" the crowd was amazed at what he said, for they didn't know anything about it.

"Brother Li, you actually already have a bank?" Even Liu Yonghao's eyes widened in surprise.

"yes. Li Yadong smiled and nodded: "But it's almost closed, the collapse of the Soviet Union has a great impact on Russia's economy, and the ruble is no different from waste paper now. ”

"Then tell us, how much does it cost to build a bank?" Liu Yonghao asked repeatedly, and he could be regarded as asking what everyone thought.

For the banking industry, they are basically laymen, and it is easy to meet an insider, so they naturally have to ask for advice.

"Theoretically, the more money, the better. Li Yadong said with a smile, "I don't say anything about adulteration, 1 billion yuan is the bottom limit in my opinion." If you think about it, is it necessary to build a headquarters building to form a bank? It must not be too shabby, otherwise the people will question your strength and cause a lack of confidence in deposits. And the headquarters building must still be built in a big city, you think about the current infrastructure costs similar to these cities in Beijing, Shanghai and Guangzhou, I can provide a data, some people should also know, I have a real estate development project in Pudong in Shanghi, the current three buildings of the first phase of the project have been completed, if the various costs are evenly spread, the cost of each building is about 500 million yuan. Of course, my one may be too luxurious, and the floor is relatively high, but even if I save a little, I will need to build a bank headquarters building for two or three hundred million.

"And this is just a headquarters, if the bank really wants to develop well and absorb social savings funds as much as possible, it must spread a wide range of outlets, and the outlets should not be too shabby.

"Then let's think about it, if an outlet needs two or three million funds, what about 10 outlets, what about 100 outlets? This is another two or three billion funds!

"So, we are so big in China, if we really want to run a bank well, we will spend at least 500 million yuan on the upfront infrastructure alone. Then you say, is the base of 1 billion yuan too much?"