However, not every day is a good day for financial service agencies, and the CEOs of financial service agencies can receive high salaries, and generally speaking, there is a reason for their high salaries. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 info is sometimes a problem to deal with, although it is not like a strategist and a campaigner, and the decisive victory is thousands of miles away, but it is also a call for wind and rain, swallowing mountains and rivers, and has the divine power to control the life and death of one party. Sometimes, there are piles of problems, internal chaos, payment difficulties, and the door cannot be opened, and it is really necessary for these people with high salaries to make troubles in order to restore the vitality of the financial service society.

Guanguan: You may understand that the word "finance" in the so-called "financial service cooperative" refers to money. Qian is a good thing with no temper and excellent popularity, and some people called it "Brother Kong Fang" in ancient times. If you think about it, people who are so snobbish are willing to call it brothers, which shows that its status in society is not low. From the silver stamps that were the predecessor of paper money in ancient times to today's paper money, sometimes they are tired, fully circulated, greasy, and sometimes a little smelly. However, no matter what, it will always be held in the palm of the hand by the owner who took over and put it in his pocket, so that it can feel the warmth of human affection. Some people sum up their experience and say: Although money is not omnipotent, as a human being, it is absolutely impossible to do without money as a companion.

Later, some people played too much and had problems playing with money, and some were even bitten by the "toothless tiger" of money, and some even entered the game because of this, so they hated it and poured ink on it, calling it "copper smell". When I meet people, I say: "The smell of copper hurts people!"

Regardless of whether the smell of copper is harmful or not, the financial service society is to serve money, or to serve money. Once this money is served, it is very rare, and it is very diligent to go around. Sometimes it is lent to people, and it is called "loan"; sometimes it is lent by someone else to a financial service agency, and then it is changed to a term: "deposit"; sometimes it is even more divine: it can also earn interest when it goes from bank to bank, so it is called "loan", or to put it more in detail: it is "borrowed and borrowed". Sometimes, the service is more comprehensive, when the enterprise wants equipment, do not bother your enterprise, my bank will do it, buy the equipment and send it to you, you can use it, my bank and your enterprise are two brothers, who is with whom? Of course, to trouble your enterprise at the right time, pay some money for my bank to count. This kind of business has a term for foreigners, which is called "leasing".

Look, look how happy you are to live in such an era!

Yes! Modern society is too convenient! Now life is too happy! Without leaving home, you can eat and drink to your heart's content; without leaving home, you can know about the world's major events; without leaving home, you can have a lot of money in your pocket; and without leaving home, you can live comfortably. This is the main reason why the global aging society continues to develop in depth. In today's society, not only can people open their mouths for food and stretch out their hands for clothes, you just want to do some business, as long as your brain is active and your eyes are good, so that you can see the world clearly, use your brain and mouth, and come up with some strategies, lobbying, and it should not be difficult to make a million-dollar flower.

However, it is not difficult for you, but it is difficult for others. If you have borrowed millions of dollars from the bank and spent them all, and there is no way to repay them, then what will the bank do to repay the depositors? They will take a piece of the financial services cooperative's interests and negotiate with large or large intermediaries who are willing to lend money to the banks to fill the holes. The battle line extends from the office to restaurants, hotels, and golf courses. When the weather is hot, Da Mei Sha and Xiao Meisha must go, and when the negotiation is tired, both sides go to the sauna to wash up, bake and bake steam, and drive out all the stinky sweat on their bodies, so that they can continue to talk.

In this way, both sides struggled with their saliva, one willing to buy and the other willing to sell. After closing, one party makes up the deposit on the balance sheet, while the other party receives additional interest in the pocket, and finally a win-win situation is reached.

The small one must be said that the assets of the bank are the least things that can stand the test of time. If you don't repay the loan for a year, it's reasonable, and if you don't repay it for another year, it's called an extension, and it's okay to say. However, if you stay in a company for three or four years and can't turn around, just like a girl who was originally like a flower and is attached to an old man's arms and refuses to extricate herself, others will vividly say: "A flower is inserted in cow". The statement that bank loans have not been returned for a long time is much more plain, and people are used to saying that it is called "bad debts".

In a bank, the proportion of such bad loans is so large that the bank is like a terminally ill terminal cancer patient, which can make people lose confidence. Depositors and large sums of money are as reluctant to approach it as they are to see lepers.

It is said that SZ's financial services agency is a newborn born in the environment of reform and innovation and crossing the river by feeling the stones. At the beginning, it was an explorer, powerfully impacting the immutable old system, giving people the feeling of spring breeze. However, it is a financial enterprise established by several shareholders with a share capital of tens of millions of yuan, and after its opening, it is engaged in the business of enlarging its assets and liabilities by 10 times, 20 times, 50 times, or even 100 times its share capital. Don't say that because of congenital deficiencies, let them be difficult. It is as a bystander that seeing these financial service cooperatives walking on the road of market economy, the trembling appearance makes people worry about how many springs and autumns their bodies can survive.

Think about this financial service society in just a few years, from the mushrooms after the rain to break the ground, like the peach blossoms in spring, like the peach blossoms in spring, and then the tiger and the tiger are vigorous, the scenery is infinitely impressive, and then the appearance of frowning and struggling, it really responds to the words of Guan Hanqing, the Yuanren:

I want to rise and fall like a creation in the world, good and evil, fierce and dark.

There is a problem that people have begun to notice: Some of the business practices of financial service cooperatives have not only become prevalent within various financial service cooperatives, so that they have quickly formed an unwritten mode of operation, and even in some relatively powerful state-owned banks, there is also a soil for operation. Over the past few years, the operating costs of SZ state-owned banks have also risen.

Let's talk about deposits, when many financial service cooperatives in SZ are faced with fierce competition on the one hand, they urgently need to expand their scale, and they do not hesitate to buy deposits at high prices, and then transfer them to the borrowers to absorb the costs, and after the borrowers increase the cost of loans, the direct result is that they are unable to repay. In this way, when the loan matures, in order to avoid the payment risk and keep the door open, the financial service agency has to buy the deposit at a higher price to delay the outbreak of payment risk.

This strange circle of money circulation was only circulated within Shenzhen at first. Its immediate effect is to lead to a decline in deposits in specialized banks. At this time, people's mood is still high, because it impacts the service system, service concept and traditional conservative thinking of professional banks formed over the years.

However, capital, whether industrial or financial, always has its profit-seeking nature. In addition, SZ also has a relatively open environment, and the news of high-interest deposits quickly spread across the country. In this way, more than 20 provinces (municipalities) and autonomous regions across the country, including Hong Kong, Macao, Taiwan and even foreign countries, have quietly flowed into SZ. This inflow, on the one hand, has reduced the financing costs of SZ Bank and Financial Services Society, and on the other hand, it has created the conditions for another loan boom of SZ Financial Services Society.

It's in this cycle. People are also living in peace.

One day, in Nanshan, a state-owned bank that is said to have learned the operating methods of a financial service cooperative, made entrusted loans, and with an irregular contract, the private deposits of more than 100 customers were regarded as entrusted deposits, and then issued as entrusted loans to a company. When a company's loan matures, it is unable to repay the loan, so the bank naturally refuses to pay the deposit when it matures. Faced with the dilemma of the bank refusing to pay its deposits on the grounds that the entrusted loan had not been repaid, these more than 100 depositors, who had received high interest rates, organized themselves to ask the bank for an explanation. On this day, I saw more than 100 depositors walking to the front gate square of this bank, all of them wearing strips of white cloth tied to their heads and holding pennants with the words "Pay back my hard-earned money," and sat up quietly at the entrance of this state-owned bank.

People gathered around to take pictures, and among the crowd taking pictures, there were many Hong Kong reporters. The next day, the photos appeared in some newspapers in Hong Kong.

This is tantamount to sending a strong warning to governments at all levels and the People's Bank of China: We must no longer be lax in supervision, otherwise there will be major social problems. To put it more seriously, it will affect the excellent situation of the country's reform, development, and stability, and the achievements of reform and opening up will also be in vain. As a result, a comprehensive analysis, review, and co-ordination of the Financial Services Society was carried out in full swing.

Ma Yinglong, a burly man from the North who graduated from the Central School of Finance and Economics in the mid-to-late sixties at the beginning of the storm, was then deputy governor of the SZ Special Zone Branch of the People's Bank of China, in charge of business management and policy research of non-bank financial institutions in the Special Economic Zone. Accordingly, the investigation and analysis of issues related to the financial service cooperatives under its jurisdiction carried out by the People's Bank of the Special Administrative Region was organized and carried out by the People's Bank of the Special Administrative Region.