However, it is said that Wang Xianyao and the Citizens Bank they have fought for in the summer are not much better than the summer.

Although the team of Shen Yifeng and Huang Lu worked very hard after leaving office, they lost too much golden time, so that most of the old loans almost became dead debts, and the interest receivable snowballed bigger and bigger, which caused a strange phenomenon: the "three clearances" work, the more clear the task, the heavier the amount. The more assets the bank has, the greater the operational risk and the worse the economic performance. As a result, the management team of the Citizens Bank, which has struggled to cope with the annual shareholders' meeting, has been stumped for many generations - they are also frequently replaced!

Wang Xianyao, who was appointed to be the president of the Hubei branch in the face of danger, was reinstated as the president of the branch by the new team after being dismissed and demoted in the later stage of Shen Yifeng's team. But, just like his personality, when he returned to office, there was no excitement, no impulse, more reflection. He even regretted a little that he got out of the civil service series and served a bowl of rice in the bank. On his first day at the new branch, he sat on the leather sofa in the president's room and said to himself, "It's ...... difficult." But at this moment, Gu Dingli's words rang in his ears again: "It is precisely because of the difficulties that the city has to set up a citizens' bank! Without difficulties, what do you want us Communist Party members to do?"

It should be said that the Shenzhen Minmin Bank, which was established before the "return of '97," still has its historical status and historical merits. First of all, with the successful incorporation of financial service cooperatives with independent legal person systems, the chaotic situation of high interest rates in Shenzhen's capital market and their own policies has been gradually changed. The overheated financing behavior was able to cool down and make a soft landing, avoiding major shocks, and thus ensuring the stability of Shenzhen's economic and financial environment before and after Hong Kong's return to the motherland in an organized and effective manner. This is of great political significance to the country. Secondly, during the first team period, driven by the bold and far-sighted soft landing measures taken by core leadership members such as Gu Dingli and Luo Yi to the original employees and original business, both new business development and the collection of principal and interest of old loans were on the right track. However, in the next stage of tackling tough problems, as the work pressure became heavier and more difficult, and the interests of all parties became more and more entangled, Gu Dingli chose to transfer to another bank under the appreciation of the People's Bank of China, and Luo Yi soon left the Citizens Bank.

After Shen Yifeng and Huang Lu took over, the first-class activities of the Citizens Bank were actually abandoned halfway. In a seemingly decent and orthodox atmosphere, Shen Yifeng suspended some flexible measures that suited the actual situation of the Minmin Bank itself, resulting in a rapid decline in deposits, and in this way, the whole bank returned to the whirlpool of rushing to pull deposits in every corner when it took over. After hitting a wall, Shen Yifeng reluctantly returned to some of the usual business practices adopted by the first team.

As it has been pointed out, corruption in personnel is the greatest corruption. If it is said that the improper measures in business are the detours taken by them due to their lack of experience and wrong judgment, then Shen Yifeng's self-righteous and self-respecting personnel changes in personnel and organizational measures have laid the root cause for the business development of the Citizens Bank, and also cut off the positive efforts of the Citizens Bank to digest the historical burden through development after the Citizens Bank is on the right track. It can be said that when the financial services cooperatives were vigorously developing their businesses and issuing loans on a large scale, Shen Yifeng was not a participant and organizer and had no responsibility. However, the power he wielded after taking office, such as policy and organizational adjustments, determined the success or failure of the bank's business development and collection work. Therefore, the result of tens of millions or tens of millions of old loans being rotted in the banks while the money fell into the pockets of various business entities had a great deal to do with the guiding ideology, personal qualities, and personnel organization line of Shen Yifeng, the chief officer of the second leading body. It is precisely because of this that the higher-level authorities do not have a positive opinion on Shen Yifeng's work. Later, this kid left the Citizens Bank in disgrace, and immediately withdrew from the power center that called for wind and rain.

Fortunately, a few years before the Asian financial crisis in 1997, the Shenzhen Municipal Party Committee and Municipal Government began to forge ahead from a strategic vantage point, planning to replace the "three to one supplement" processing industry that had made great contributions to the reform and opening up of the Shenzhen Special Economic Zone at the beginning of the reform and opening up with high-tech industries as the leader. When the Asian financial turmoil hit and the foreign trade and export situation became more severe, we still did not hesitate to spend a lot of money to build a campaign for industrial transformation and upgrading. In the past few years, the Shenzhen Special Economic Zone has created another miracle - it has achieved an economic take-off marked by high technology and high added value, and opened up a new situation in export trade in one fell swoop. At this time, Shenzhen's economic aggregate has also made a triple jump compared with a few years ago, which is really impressive to the world.

Shenzhen's local finances, which have strengthened their economic strength in the course of development, have the ability to digest the historical burdens formed in the past. As a result, how to deal with the problems of bad debts and even equity changes that occurred in the process of innovation and reform of the Citizens Bank (including its predecessor financial service cooperative) was put on the table of the municipal competent department.

Let's talk about summer.

After entering the new century, he once returned to Shanwei City. When I saw that when I came here, a high-rise commercial building that had just been piled next to Shanwei Avenue was already standing tall and upright in the main business district of Shanwei City. At this time, Li joined, the past of this unattractive Shanwei man, was revealed in front of the eyes of the summer.

In the early years, Li used the private companies he opened and controlled in Shenzhen to lend money to a number of financial service cooperatives in Shenzhen (in the past ten years, the total amount of principal and interest owed reached nearly 100 million yuan). In the blink of an eye, he transferred the money obtained from the mutual guarantee of his Shenzhen company and the mortgage of a piece of Shanwei land that had not paid the land price to the account of the company he established in Shanwei City, thus building this high-rise commercial building.

Xia thought, this is what philosophers call material immortality, but Shenzhen Minmin Bank has done a big wrong.

"If Judge Wang Yongshou, who came to inspect Li Franchise's property, came with Chen Shanshi, Yang Yang, and Luo Yingying, how would he feel when he saw the situation in front of him?" Xia said secretly.

……

In Shenzhen, I also came to the Qianhui Building led by Zhu Chier's parent and subsidiary several times in the summer, and saw that the property management company of the building was still Qianhui Company, indicating that this company was still operating normally. When he saw that the office space of Qianhui Company in the building that he and Wang Xianyao led the seizure was still used as the company's office, Xia understood what was going on.

Summer said to herself, "This is why today's society emphasizes people-centeredness, also known as people-centeredness. If an enterprise raises a bunch of employees who eat their own food, and it becomes a common practice, then it will be very difficult for the enterprise to gain a foothold in society, let alone develop! No wonder some people bitterly say that corruption in personnel is the biggest corruption. ”

The situation of the Citizens Bank was unfortunately said by the summer.

The ending is a little regrettable: the advertising slogan of the Citizen Bank back then: "The Citizen Bank is the Citizen Your Bank", which was once all the rage in the streets and alleys of Shenzhen, but later it was no longer visible. Correspondingly, the "first-class citizen bank" that the people of Shenzhen have been looking forward to for too long has not been shown in front of the people of Shenzhen after all.

The fate of the characters in the book is intriguing.

Not to mention Zhuang Yu, Qin Xianhong, Bu Ding, and Xu Donghai, who "crossed the river by feeling the stones" during the period of the financial service cooperative, issued huge loans that should not have been released, and were forgiven by the society as a move to pay tuition fees; even after the acquisition of the financial service cooperative, Chen Jiaojiao, Wang Xianyao and others, who still had the courage to rush the red light several times, or exposed a few new cases, also came to a soft landing after being restless and continued to write their own life chapters. In particular, Chen Jiao, who accepted a rebate of 500,000 yuan from the other party for his "securities reserve passbook" because of the illegal dismantling of 10 million yuan, miraculously left the Hubei branch in a way of security officials after several years of nervous dormancy, which can be regarded as a fluke to avoid a major disaster in his life. What's more, although Hu Hui, the so-called "excellent president" involved in the case because of collusion with illegal Hong Kong businessmen to participate in money laundering, was discredited by people's moral judgment after the case, but after the case was filed, this Xiangxi man racked his brains to find connections, used his ill-gotten wealth to give gifts, and displayed his good trick of refunding wealth and relieving disasters. This is really surprising and amazing.

It should be said that Shenzhen has been able to leap from a small remote fishing village to a well-known metropolis, in addition to relying on the spring breeze of the motherland's reform and opening up, there are thousands of "the first people who dare to eat crabs" to feel the stones and cross the river and shed hard sweat, and have achieved thousands of magical stories. The toss of the characters in the book, such as Shen Yifeng, Hu Hui, Yang Oran, etc., is not the main tone of Shenzhen's development in the past 30 years. Perhaps it can be said that it is precisely because of the continuous improvement of Shenzhen's employment mechanism that it has effectively blocked the promotion path of their kind, thus avoiding more tosses and greater losses, and thus ensuring the advancement of the cause of reform and opening up.

"Don't toss, if you really don't toss, how nice it would be!" -- In today's China, a consensus has been formed from ordinary people to the central leadership. From the story in this book, we look back at the "*****" movement in the sixties, and then look at the "***" movement in the fifties, how profound the lesson is!

Sogou