In the summer, they participated in the preparation for the opening of Hubei Financial Services Society, and gradually met the shareholders of Hubei Financial Services Society. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

Hubei Financial Services has six shareholders.

At that time, according to the regulations of the People's Bank of China, financial service cooperatives were collective financial organizations, and their role was to make up for the capital needs of collective companies and self-employed businesses. Its shareholders must also be shareholders of a collective company.

In the early 90s, most of the collective enterprises of SZ were restructured from village-level institutions, and they have just undergone a radical transformation, and they have also begun to show results. Therefore, it is a bit difficult to find a collective enterprise as a shareholder of a financial service cooperative. No, Hubei Financial Services Co., Ltd. has painstakingly cobbled together six shareholders in the way of pulling and matching. In the end, it was analyzed, and there were true and false. To tell the truth, six shareholders have turned into hundreds of shareholders in the blink of an eye, either overt or covert.

This sudden increase in shareholders stems from a company called SZ Natural Beauty Industrial Development Company. Its legal representative, Jiang He, is a senior economist, who has a unique view of financial enterprises and believes that participating in finance is the best investment. Therefore, not a penny of the 3 million shares of his company to the service society belonged to the company, but all the members of the company pooled their money to buy shares: 50,000 yuan for each member of the leadership team, and 30,000 yuan for each other employee. In this way, a company of more than 90 people has collected 3 million yuan.

The shareholders of the other two companies are also selling dog meat under the guise of sheep's heads. For example, SZ Haodang Co., Ltd., with Shi Wanguan as the legal representative, has 3 million shares in the name, which is actually a full investment by his younger brother Shi Wanli. Another shareholder, the Kishio Economic Development Company, did not pay a penny, and became a shareholder of 3 million yuan in a grand manner. It turned out that it was the project partner of Anwei Village, SZ Anyan Automobile City Co., Ltd., that was the actual shareholder of Hubei Financial Services Society.

Speaking of Zhu Chier, the legal representative of SZ Anyan Automobile City Co., Ltd., he is not a simple figure. It is said that the country's four major professional banks have all heard of him, and there is another saying that they have all suffered his dumb losses. Let's think about it, our country is so big and has such a population, how much effort it takes to make the four major state-owned banks all named!

I haven't seen Zhu Chi'er and his people in the summer.

One day, Chen Shiqing, the manager of the personnel department, went to Zhongxing Road to run errands in the summer. Chen Shiqing said to Summer: "Let me tell you, Mr. Zhuang and I are very satisfied with you. You have to work hard, the general manager of credit is determined to be you, that Ye Lao is Yang Oran's person, and he is not capable of being a person in the near future. - Don't tell anyone else about this. ”

Summer said flatly, "Thank you for your care." As far as my personal temperament is concerned, I am more open-minded, and I can do 'not seek fame, retreat without avoiding disaster', and just work hard and complain. ”

Chen Shiqing also said: "The internal shareholders are very complicated, and you must be mentally prepared. You see, at present, some of our shareholders can only make trouble, while some shareholders have introduced more than 100 million deposits. ”

Xia said: "I still want to ask: how to operate with so many deposits before opening?"

"In a few days, you'll know it all. Chen Shiqing said.

At more than nine o'clock in the morning, Zhuang Yu had just arrived at the office, looking at a document of the People's Bank of China, when he suddenly heard a knock on the door of "knock, knock, knock", Zhuang Yu said casually: "Come in!"

At the door opened, someone poked his head in and said, "Mr. Zhuang, hello!"

As soon as Zhuang Yu saw that it was no one else, but his old friend Zhu Chi'er, he immediately stood up, stepped forward to hold his hand, and said, "Mr. Zhu is good!"

At this time, Wang Kangkang, the director of the office, brought a glass of boiled water and handed it to Zhu Chi'er.

Zhu Chi'er said to Wang Kang very politely: "Thank you." ”

Next, he said to Zhuang Yu: "I have to rush to Hengmen in the afternoon and get 30 million to come over, can you prepare it for me here?"

Zhuang Yu said: "Okay. ”

Wang Kang said: "No matter how anxious Mr. Zhu is, he can't be as anxious as an ant on a hot pot, and it's not too late to go after lunch." ”

Zhuang Yu also said: "Wait a minute, I'll call the credit manager I hired and listen to your lecture." Okay?"

Zhu Chi'er said: "I don't dare to say anything about lectures, it's okay to brag to them." ”

"Then it's settled. After Zhuang Yu finished speaking, he immediately dialed the phone number of the credit department: "Hey, who one?"

The other party replied: "I am Bu Certain, Mr. Zhuang?"

"Yes, let me tell you, you called Mr. Qin, Xu Donghai, Xia and yourself to my office. Zhuang Yu said.

Bu must have said, "Okay! We'll be there right away." ”

Bu must have put down the phone and immediately notified them one by one, and after a while, the four of them arrived at Zhuang Yu's office together. At this time, Wang Kangkang and Chen Shiqing were already sitting in the office, and they and Zhuang Yu were listening to Zhu Chi'er talk about his past.

Zhu Chi'er looked at the person who came, nodded as she spoke, and said hello.

He continued: "When I was in the countryside, I can say that I have endured all kinds of hardships and done everything. What kind of speculation, indiscriminate deforestation, capitalism, really did a lot of bad things. ”

After pausing for a while, he turned his head in the direction where Xu Donghai was sitting and asked, "What is speculation, do you know?"

Xu Donghai hadn't squeaked yet, and Zhu Chi'er didn't wait for others to answer, and said: "For example, now the pigs and ducks in Nanshan are sold in Bao'an, which is speculation." If the militia catches you, your things will be confiscated and you will be locked up. ”

Looking at this Zhu Chi'er in the summer, maybe when he was born, the elders gave him a bad name: his face seemed to have been burned by a fire, and he had undergone plastic surgery, leaving red scars one by one, from the eyelid down to the upper lip, especially the left half of the face was even more ugly. Look at him like that, like a severe vitiligo patient.

Zhu Chi'er is an out-and-out disabled person, but his thinking is still quite agile. As he spoke, he looked at the audience in a regular manner.

"Once, when we were running for transportation and timber, we didn't have a release slip, so we talked to the militia at the checkpoint and gave them all my dry food and eggs for three days before letting us go. You young people don't know the dangers of giving your food to others. At that time, first, not every place had a restaurant, and second, if you had money, you might not be able to buy food, because the peasants didn't have food stamps!" Zhu Chi'er said with emotion.

At this time, Zhuang Yu introduced to Zhu Chi'er: "Mr. Zhu, let me introduce to you: this is Xu Donghai, the manager of the first credit department, this is Xia Xia, the manager of the second department, and this is Bu Ding, the manager of the third department. ”

Zhu Chi'er listened to Zhuang Yu's introduction, looked at the person being introduced, nodded, and had an impression.

Zhuang Yu said to the three credit managers: "This Zhu is always our key customer. His project was demonstrated by the relevant departments of the city. In the future, everyone should pay more attention to him, and to support him is to support our own career as a financial service cooperative. ”

The three of them nodded, and continued to listen to Zhu Chi'er talk about himself: "A few years ago, I ran a trust company in HN, and the scale was very large. At that time, my office was really full of traffic and busy! Sometimes, when I caught a cold, they rushed to visit me, not to mention the concern. Later, the commotion became louder, and BJ's People's Bank said, "I can't engage in finance." At this time, they panicked one by one, more anxious than monkeys, and asked me to repay the loan immediately. If you think about it, if everyone asks me for a debt, I will definitely not be able to pay it. I spread my hands and said, 'If you don't want money, you have a life.' 'Look, how much is my rotten life worth? You can't guess. There is a local saying in our hometown, called 'grandchildren don't suck grandma without milk'. No, as soon as they saw that I couldn't squeeze oil and water out of my body, they reported the crime and arrested me and put me in a guest house, where I couldn't do anything except three meals a day, wasting a lot of my precious time. Of course, a lot of national resources are also wasted. You see, two squads of armed police soldiers, what a waste to defend a peasant like me every day! However, these soldiers are good people, and no matter how much I lose my temper, they just don't get angry, and they help me a lot. In this way, I was locked up for such a year with good food and drink, and I didn't get any good. Later, they mobilized me to go out and start a business to make money to pay off their debts. I think this time they thought it right, so they responded to their call and went out to work in industry. What kind of spirit is this? This is called the spirit of 'the living cannot be suffocated by urine.'" ”

Zhu Chi'er took a sip of boiled water and continued: "Speaking of my ability, I openly said: In contemporary times, we have produced two great people, one is Deng Lao, and the other is me. Deng Laosan went up and down three times, his kind of persistence, that kind of firmness, is good. So, why am I the second great man of SC? You see, I am the son of a farmer, and I am a real farmer myself. After several twists and turns, it is not easy to impress the head office of the People's Bank of China? What is it that can make the peasants guarded by two classes of PLA soldiers not great men? I dare to say, not to mention peasants, just how many people in our country have this treatment? How many years have passed, how many people desperately think about me when they can't see me; when they see me, they feel a little annoyed. They're scared that I won't be able to sleep!"

When everyone heard this, they all smiled a little.

Zhu Chi'er also smiled and continued: "I am of a certain age, and I must hurry up my work, otherwise I will be sorry for my motherland and for this land where I was born and raised! Now in our country, are there 300,000 or 400,000 Japanese cars coming in at every turn? What a pit for people! Director Wang, I felt cordial when I saw you, and at first, I couldn't understand why? Is it because of your beauty that made me feel moved and fell in love? Obviously not. I would like to add: It's not that you're not pretty, it's that I'm not a good person, and it's because you're an old revolutionary that I've developed a sense of admiration? Not necessarily, because I think so highly of myself that I never worship people. Later, when I was lying in bed, I was about to go to bed, thinking, thinking, and finally I figured out: It's your name that is good -- Wang Kang. However, I would like to say that yours is not: you are nominally anti-Japanese, and you are often talked about. And what about me? I am a de facto anti-Japanese worker, a real anti-Japanese worker! I am doing anti-Japanese work right now. Seriously, I want to use five years to realize that our country has cars of less than 100,000 yuan, so that most families can afford them, and I want to break the monopoly of foreigners. You see, in my life, I don't drink, I don't prostitute women, I don't want to enjoy, I like to ride a good car, and now I am obsessed with making cars, and I only have such a hobby for cars. I think my purpose is achievable. ”

At this time, Zhuang Yu interjected and said: "Mr. Zhu is also our shareholder, and up to now, he has helped us deposit more than 100 million deposits, and he has really worked hard." Mr. Zhu, you will continue to support us in the future!"

Zhu Chi'er continued: "Speaking of deposits, can you estimate how I used to pull in so many deposits?"

When everyone heard the questioning, they didn't squeak.

Zhuang Yu felt that someone from the financial services club should say something, so he said to Xia: "Manager Xia, what do you see?"

Summer was silent for a moment, thinking: Do you say it, or don't say it? Later, after thinking about it, I felt that Zhuang Yu would not be able to say it. He said: "First of all, Mr. Zhu wants to use the deposits introduced from other places, so there is no possibility of taking out these deposits and depositing them by himself." Second, others are willing to keep depositing money without fear of risk, and may have collateral or deposit receipts as pledges, which relieves the other party's fear of risk. Third, except for the first and second large-amount certificates of deposit, which may deposit funds first and then issue a certificate of deposit, the subsequent deposit of funds may be that the financial service agency will issue a certificate of deposit first, get it to the other party to pledge, and the funds will not arrive until the loan is received. ……”

Speaking of this, Xia glanced at Zhuang Yu, and the expression on Zhuang Yu's face was complicated. And Chen Shiqing, who was sitting next to Zhuang Yu, smiled slightly, and Xia estimated that he was right.

At this time, Zhu Chi'er said conceitedly to Xia: "Young man, don't be too confident in your words! Since the head office of the People's Bank of BJ is afraid of me, I naturally have many ways to raise money." ”

Summer no longer speaks.

After a while, everyone withdrew from Zhuang Yu's office, and Zhuang Yu asked Chen Shiqing to stay and do something for Zhu Chi'er. In fact, this so-called "doing something" is to ask Chen Shiqing to issue a short deposit slip with a fixed amount of 30 million yuan a year for Zhu Chier, so that he can get Zhongshan to make money in. This practice confirms Summer's conjecture just now.

At this time, Zhu Chi'er asked Zhuang Yu, "What did you do before this summer?"

After Zhuang Yu finished introducing the situation in the summer, Zhu Chi'er said: "The three credit managers you hired have their own characteristics. Xu Donghai of the first one, we have been dealing with it for a few days. People are more lazy and casual, not the material for doing big things; the Bu of the third department must be just like his name, nothing is 'necessarily', the most slippery, you can judge that he is also the most incompetent, it is a small head business variety, not reused; only this summer of the second department, may be able to help you a lot in the future. From what I've been observing now -- don't look at what I've just said that I'm helping you watch them! This summer, at most, they have ideas, they have personalities, they may be more tough in their banking expertise, and they are also masculine. You see, he dared to expose the deposit of my shareholder when they met for the first time. This shows from another point that he may be a decent person. I'm telling you, it's important to use people. ”

Zhuang Yu said: "I heard you just talk about him, I thought you were angry. ”

"No! not at all. Zhu Chi'er said, "I'm most afraid that all you will attract is a rice bucket, and I will nod to you every day." In that case, it won't do you any good. ”

At this time, Chen Shiqing interjected: "I think he is still decent. ”

……

Looking at Zhu Chi'er, who claims to be one of the "two great men of SC" today, he can't put the concept of a good guy and a bad guy on him. Some people say that Zhu Chier's financing business is disrupting the financial order, while others say that he is engaging in financial fraud. In any case, he is not doing an authentic business. Generally speaking, the prerequisites for a successful liar and a successful entrepreneur have something in common, that is: first, diligence. Eyes are clear, hands are diligent, feet are fast, there are cracks to drill, do not give any opportunity to others; the second is to see the six ways, and listen to the eight directions. The most important thing here is to have a good eye and be able to correctly observe what the opponent is thinking in the heart of the opponent with whom you are dealing; The critical point of Kan Dashan should be under the command of the brain, through the subtle movements of the eyes, ears, and mouth, so that the other party can enter the play, but it cannot be "passed". This is something that is difficult in the eyes of ordinary people, but Zhu Chi'er is familiar with it, and he can't extricate himself from the opponent's joy. As for himself, while walking people, he was also observing the high taste and ability of the monarchs present. When he saw Summer talking and laughing, he judged the method he used to raise money, first surprised, and then sarcastic. Later, he actually admired Zhuang Yu for the first time in the summer.

He did this like a spectator standing by a goldfish bowl, admiring the purity of a group of frolicking goldfish.

Precisely:

Don't say that once he entered the palace in the past, Haikan now plays finance;

Suddenly, I saw through the tricks, and I didn't care about black and red.