It was originally a "bank" that could be ordered to close at any time by the superiors if it was not right, and it was all supported by Lao Lu's personal reputation, and if Lao Lu had cancer, his "successor" was investigated by the discipline inspection department, and the news that the foundation did not have so much cash leaked out, it would definitely cause a run on the tide. Pen, fun, and www.biquge.info

It involves more than 40,000 households in the town, with tens of thousands of more and thousands of hundreds.

Once there is a run, it will be faced with tens of thousands of depositors.

It's money, nothing else.

No matter how you do your job, it's useless to shout at your throat. The money you get is the money, standing here and asking you to cash in with a passbook, deposit certificate or bank card, it is not easy to delay the army.

State-owned commercial banks may urgently mobilize funds from other branches and branches, and may borrow from other banks. The Foundation says that it is not connected to others, but in fact, it is that people are not connected to the Foundation. With more than 130 million deposits to be cashed out at once, where will the foundation mobilize it, and which bank will it manage to borrow it?

Secretary Cui Lihua, who had always believed that she should actively cooperate with the investigation team regardless of whether there was a problem or not, suddenly changed her impression of Li Xiaolei.

Well handled!

Maintaining financial order and social stability is the first priority, especially at this critical moment when the Spring Festival is approaching, it is correct that she does not follow the investigation team, and it is understandable that she does not allow the discipline inspection cadres of the investigation team to go.

Li Xiaolei didn't know what they thought, so she took out a small USB flash drive: "Leaders, frankly speaking, I know that the county discipline inspection and supervision department is investigating several of my former superiors, and I knew before a few downstairs came." It is the duty of every citizen to cooperate with discipline inspection, supervision and judicial organs to handle cases, not to mention that I did work in the Silk Group.

This USB flash drive contains scanned copies of my salary, bonuses, travel allowances, sales commissions, reimbursement of travel expenses, entertainment expenses and other documents that I have personally served as the manager of BJ Company of the Silk Group for more than four years. Although I have always been careful when it comes to money, it is not very complete due to busy work or other reasons, but the money is all there, accounting for more than 97% of the total.

In addition, there are relevant systems of the group, such as salary and bonus standards, business trip standards, and sales commission standards, and I have individual income tax payment certificates in the BJ local tax department. My lover is a state official, and both of us are proud of him, so we pay special attention to this, and you leaders don't need to feel too surprised. ”

Shi Xianghui is not qualified to sit in the front, and he is also not qualified to speak, but if he doesn't say something now, he feels sorry for "Han Blow".

He took a deep breath, got up and said, "Report to Secretary Luo, I can prove this." Not only me, but also the members of the bureau's party committee before the personnel adjustment of our public security bureau can all prove it. Comrade Han Bo's father opened a decoration company in Donghai before Comrade Han Bo joined the work, and did a lot of decoration projects.

At that time, our public security bureau was short of funds, and the police went to the East China Sea or took a train from the East China Sea to other tasks, and Mr. Han warmly received them every time. Help buy train tickets, arrange a car to pick up at the bus station, take care of food and accommodation, and send a row of cars to the train station. How many tasks to perform in a year is a lot of money.

Later, Comrade Han Bo cracked down on economic crimes, and the bureau's funding situation has been greatly improved, and we wanted to report that after the office building, detention center, and now the office building of the traffic police brigade were built, we called Mr. Han and asked him to help us decorate. Anyway, it costs money, and it is not possible to give the same budget to anyone, but Mr. Han refused. ”

Luo Hongxin's face was expressionless, Cui Lihua was thoughtful, and several other members of the Standing Committee of the county party committee continued to read Lao Lu's inspection report as if they hadn't heard it.

I've already spoken, why not finish it.

Shi Xianghui touched his mouth, and then said: "Not only our Public Security Bureau, not only the Silk Group where Comrade Li Xiaolei worked, but also the decoration projects of private enterprises such as Liangzhuang Construction Engineering Group and Lianggong Group. He was good friends with our former political commissar Lao Yuan, and he made it very clear during a meal.

If the son is a cadre, and he is a cadre of the Public Security Bureau, he will definitely offend people, as long as he offends people, some people will say it. People are terrible, and if they can avoid suspicion, they will avoid suspicion. Only do the East China Sea and BJ projects, so what do others say, using power for personal gain, is Han Bo's power so great that he can seek private ...... of two municipalities directly under the central government?"

"Thank you, Deputy Director Shi. ”

Li Xiaolei smiled and said without self-deprecation: "Although I don't have any economic problems and have not violated laws and regulations, I can't deny that my treatment in the Silk Group far exceeds my efforts." A few days ago, the foundation held a general meeting of shareholders, and Secretary Lu Huisheng introduced to the shareholders how many export orders I got for the group in a year, in the unit of 100 million, it sounds like I, Li Xiaolei, are very capable.

It is an exaggeration, because one-third of all orders come from dozens of foreign trade companies, and the orders are obtained by them, and I am equivalent to running some middlemen; one-third of them come from old customers, the scale of the group is so large, the labor cost is so low, the equipment is relatively advanced, and the quality control is relatively good, and I am willing to continue to cooperate once I have cooperated. There are also one-third of dealers and agents from abroad. ”

Li Xiaolei paused, and added: "But I worked hard, tried my best, and did everything I could, except for accompanying the client to bed." ”

Going to bed, it's so violent, you can even say it.

Cui Lihua was embarrassed, first, she is also a lesbian, and secondly, she is the secretary of the Commission for Discipline Inspection, and what happened today has something to do with her.

Luo Hongxin was just as embarrassed, but more envy and a little admiration.

It is not that I envy and admire Li Xiaolei, but that I envy and admire Hou Xiufeng, who attaches great importance to a cadre, and as a result, the cadre who attaches great importance to him has done an impressive job on the public security front, and has now grown into the head of a technical investigation detachment at the deputy department level that will soon be formally established by the Municipal Public Security Bureau; he left a "female disciple who is personally passed on" to the old unit, and as a result, the "female disciple who is personally passed on to the old unit" has made the old unit prosperous for another four or five years.

What's even more rare is that the two people he valued did not escalate the conflict like others because of what happened in the morning, and did not show even the slightest hostility.

Looking at the attitude and listening to the tone, she seems to want to be a "firewall" to let the affairs of the Silk Group end with her, and she doesn't want Hou Xiufeng to get involved in this unnecessary dispute.

Lose face!

The secretary of a county-party committee is not as calm as a female comrade with a six-class background, and even spends the belly of a gentleman with the heart of a villain. It must be admitted that in terms of ideological realm, it is not one or two points worse than Hou Xiufeng.

"Comrade Li Xiaolei, I believe that in fact you are indeed a competent senior management of the enterprise, I am very happy that you can continue to work in Sigang, and I am very happy that we can have a high-quality talent like you. ”

Luo Hongxin is also a face-saving person, and it is not easy to say this.

He lowered his head and looked at Lao Lu's bone marrow puncture examination report again, obviously trying to hide something, and then raised his head and said: "You are very well prepared, and taking the initiative to provide this USB flash drive is equivalent to actively cooperating with the work of the discipline inspection department." To borrow the words of your father-in-law, that is, Mr. Han, who was just relayed by Deputy Director Shi Xianghui, doing work will offend people, and if you offend people, some people will say.

The investigation by the discipline inspection department is not a good thing, and it can come up with a very serious conclusion and smash all gossip. It can not only prove that you are a clean and innocent senior manager who has made outstanding contributions to the economic construction of Sigang, but also prove from the side that your lover is a good comrade worthy of learning from all of us. ”

It is a very serious matter for the discipline inspection department to file a case for investigation.

Regardless of whether this morning's investigation is more like a "whole person," an investigation is an investigation, and since there is a beginning and an end, it is necessary to come up with a conclusion, and it is impossible to end it in a vague way.

Luo Hongxin's meaning is very clear, the investigation continues, I hope you can understand. However, the investigation is about the situation in the USB flash drive, and you don't need to go to the location where the case is handled, and there will not even be any discipline inspection cadres to ask.

After finishing business early, go to the supermarket with Wang Yan early.

There must be a lot of people who are engaged in promotions, and if you go to the late discount, you won't be able to buy them!

Li Xiaolei didn't care about the investigation at all, let alone what conclusions the discipline inspection department would draw, and said with a wry smile: "Secretary Luo, I don't care much about the investigation, let alone worry about the slightest bit, what I'm worried about now is the foundation." With you and so many county leaders 'backing' me, I believe that what happened in the morning will not happen in the future, but what about other things.

No one knows what will happen in the future, to use an unlucky analogy, Secretary Lu Huisheng suffered from cancer and could be morally kidnapped, so he dragged me to Liangzhuang to be the 'maintenance president' for him. If I, Li Xiaolei, suffer from cancer, where can I find the next 'maintenance president'?"

"Chairman Xiaolei, you are so young, you can't make this kind of analogy. ”

"But I'm really under a lot of pressure right now, not only do I don't know if something will happen, but I don't know how long I want to maintain it and how long I can maintain it!"

This chairman is fighting for popularity and prestige, and it is not someone with a high level who can do it.

As Lao Lu's designated "successor", the Liangzhuang people who believe in Lao Lu have a certain trust in her. She is already capable, has seen the big world, experienced big scenes, and won a little trust. Her husband is as famous as Lao Lu in Liangzhuang, and Han Strike, although the people are not so respectful, he is still very convinced.

In addition, Jiao Handong and other cadres of Liangzhuang Town and the bosses of several major enterprises in Liangzhuang, such as Construction Engineering Group, Lianggong Group, and Liangliang Group, are really "worth" 130 million yuan now, and she can't really be the president of this "cottage bank" in another person.

There is some truth in her words, it is not a matter to go on like this, and the whole thing must be a time bomb, and sooner or later it will be resolved.

Luo Hongxin pondered for a moment, stared at her beautiful face and asked, "Comrade Xiaolei, as the chairman, do you have any good ideas?"

"The State Council has explicitly banned it, and it is impossible to ban 99,999 companies and leave only one of us, and it is a miracle that we can operate to this day. ”

Li Xiaolei took out a stack of materials commissioned by the "think tank" and "advisory group" to study from the folder, and talked eloquently while distributing them: "In the past three years, the county and town, including Secretary Lu Huisheng, have been thinking about how to make the foundation close smoothly, and practice has proved that this is an impossible task. If you stop lending, you won't be able to earn interest rate differentials, and you won't have money to pay interest on your deposits.

Stopping the deposit is no different from stopping the business, the depositors will think that something has happened to the foundation, and they will get their deposits back as soon as possible, and there will be a run on the bank that we are most worried about. A comprehensive repayment of loans and a full return of funds will not only be difficult to recover in a short period of time, but will lead to losses and even bankruptcy of the lending enterprises, which will affect the economic development of the entire Liangzhuang. ”

"Chairman Xiaolei, why don't you merge into the credit union?" the Minister of Armed Forces knew that the run was terrible, but did not think that it would be difficult to solve.

"There are two problems with the merger of credit cooperatives, one is that the dividends of credit cooperatives are really unsatisfactory, and shareholders do not agree. More than 800 shareholders, involving nearly 1,000 families, do not agree to run the business hall if they are not satisfied, and this may also lead to a run; second, the credit cooperatives also need to prepare at least 100 million yuan of funds to prevent a possible run after the merger.

Do credit cooperatives have so much funds, and if they don't, they can only apply for special loans from the central government. The State Council and the People's Bank of China (PBoC) also have regulations that the risk of cleaning up the IFF cannot be passed on to credit unions or other banks. In other words, this money has to be borrowed by the town, not to mention whether it can borrow so much, even if it borrows 100 million yuan, who will bear the huge interest generated by the loan. ”

Fang Feng didn't understand finance, but he basically understood it, and blurted out: "Tear down the east wall and make up the west wall, you can't stop, if you stop, there will be chaos." ”

"Almost. ”

Li Xiaolei nodded, and said in high spirits: "Why don't credit cooperatives and state-owned commercial banks have this problem, because they have licenses, there is no threat of being banned, and they can borrow money from the same bank." Our foundation has depositors, loan customers, business halls, and vaults, and has accumulated a lot of valuable experience in more than four years of operation. In particular, in terms of risk management, our non-performing loan ratio has been controlled at the level of 2.8%, which licensed bank can compare with us.

Since it cannot be shut down, and since it is fearful all day long, why not apply for a license, and why not turn the foundation into a real bank? Moreover, the state-owned commercial banks have withdrawn from the rural areas, postal savings in Liangzhuang only absorb savings and do not lend, and although credit cooperatives lend money, the bank is very tight, and the enterprises in Liangzhuang have a very urgent need for financing. ”

"Li Ghost" wants to be "Li Kui"!

"Copycat bank" to apply for a license to become a real bank!

Luo Hongxin was ridiculed, looked at everyone, and turned around to remind: "Chairman Xiaolei, your idea is good, and the foundation's work is indeed relatively good. However, the bank business license is not another license, and the province has no right to approve it, so you have to go to BJ and submit an application to the CBRC, not to mention that there is no precedent for this. ”

"It's a hassle to apply, but it's better than sitting and waiting to die. ”

Li Xiaolei walked up to him and turned the material to the seventh page: "You see, the Rural Commercial Bank is not without precedent. Three were established in Jiangnan, which were established two months ago. ”

There are indeed precedents.

In 1996, the State Council issued a guiding document, and in 1998, the People's Bank of China held a meeting and decided to select 11 rural credit cooperatives to carry out unified corporate governance reform.

It was not until 2000 that the premier convened a forum on the reform of the rural financial system that the birth of the rural commercial banks was promoted, and it took another two years for them to become a reality. It took six or seven years to apply like a marathon, and in the end, there were only three that actually applied.

"Chairman Xiaolei, this is a precedent for applying for the establishment of a rural commercial bank on the basis of a credit cooperative, and there is still a certain difference between a foundation and a credit cooperative. Luo Hongxin didn't want to dampen her enthusiasm, the key was that this matter was too unreliable, and the possibility was almost zero.

"Secretary Luo, I have consulted, and I feel that as long as the county supports it, as long as you support it, there is hope. ”

"How do you need support from the county?"

"You see, this is a condition for the establishment of a rural commercial bank, as long as the county supports it, we can fully meet these conditions within two years, and even apply now, level by level. ”

The effective assets of rural credit cooperatives applying for the establishment of rural commercial banks should be greater than their liabilities, and the total assets should be more than one billion!

Seeing the second article, there is basically no need to read the other articles.

100 million will make everyone up and down scared, and 1 billion will be paid. Even if you turn a blind eye and let you go to other towns and villages to open business halls, and make effective assets to one billion, the CBRC may not approve it.

"Comrade Xiaolei, it's not that I don't support it, but I need to think about it and study it. "This is not a matter of courage, this will cause big trouble, Luo Hongxin doesn't dare to agree.

In the past, there were more than 100 million yuan of "illegal fundraising", but now it is normal for one billion yuan to be "illegally fundraised" and dare not agree.

Li Xiaolei was not disappointed, sat back in her place, and smiled secretly: "Secretary Luo, leaders, the reason why our foundation has been able to persist until today is because we involve enough funds, and our superiors know that this matter is difficult to handle, and it cannot be banned for a while." If we involve more money, more than we can ban. If the county supports, the city agrees, and the province has no opinion, it is impossible for the CBRC not to seriously consider it. ”

The secretary of the Political and Legal Committee was completely convinced, and he couldn't help but laugh and said: "Chairman Xiaolei, this is a bank, not a construction project, and it is too risky to buy a ticket after getting on the bus first." ”

"Under normal circumstances, there are high risks, not only financial risks, but also legal risks and even political risks. But our situation is special, it is not a 'cottage bank' that suddenly appeared, it is a rural cooperative foundation, and now it is a request to ban it, and it is reasonable and legal before the ban document is issued, it can be said that this is a problem left over from history, and the lawsuit can only be blamed on the central government's order to change in the end. (To be continued.) )