From the early 80s to the 90s, there were more than 5,000 urban credit cooperatives across the country, and although the number increased, the imperfect financial management system of urban credit cooperatives also exposed too many risks.

For example, the property rights are not clear, the administrative intervention of governments at all levels has affected the improvement of the corporate governance structure of credit cooperatives, and the loan approval procedures are too simple to form a large number of bad debts, etc., credit cooperatives have become a historical burden.

In order to rectify the shortcomings of urban credit cooperatives and resolve the financial risks borne by local governments, the central government has decided to introduce private capital and establish a multi-level, multi-type, and multi-level market financial system.

In other words, city commercial banks are actually specific products of historical development.

In 1995, the mainland established its first city commercial bank, which later became Ping An Bank, and more than 20 years later, the number of members of the city commercial bank has grown to 134, and the overall profit has increased by more than 40 times.

However, these are all later words, the current city commercial bank is still in the stage of "crossing the river by feeling the stones", and the private capital and the masses do not have a high degree of trust in this kind of financial institutions without government endorsement, and they are in the wait-and-see stage.

In addition, according to the policy of the People's Bank of China, local governments can use budget funds to invest in the equity proportion of urban commercial banks, but the shareholding cannot exceed 30%, the shareholding of private investment institutions cannot exceed 10%, and the private shareholding cannot exceed 5%.

"What Mayor Lu means, in the early stage, everyone took out 1 billion yuan to build the framework first, and as for providing financial support for small and medium-sized enterprises in the future, paving the way for local development, you can slowly inject capital in the process, what do you think?"

After Guo Zixian finished speaking, she asked Xiong Baizhou for his opinion on this matter.

At this time, Guo Zijing also slowly walked downstairs.

Her face is much thinner than Xiong Baizhou's, and her mental quality and bearing capacity are far inferior, where can she face Guo Zixian as calmly as Xiong Baizhou, and talk about business layout without care.

Tonight's situation is like being "caught and raped in bed", Guo Zijing wanted to pretend to rest in the bedroom, but she felt a little weak-hearted, and finally walked down with a sleepy look: "Sister, are you back so late?"

Now the two people in the living room, Xiong Baizhou and Guo Zixian, can be said to be masters of human nature in the shopping mall, seeing Guo Zijing's act of covering his ears and stealing the bell, Xiong Baizhou sighed in his heart.

The traces of the performance are too obvious, how can it be hidden from Guo Zixian.

However, she obviously saw through her sister's thoughts, but Guo Zixian retracted her aggressive attitude when she called just now, and took two sips of flower tea very calmly: "Well, I came back to discuss something with Xiong Baizhou, but I couldn't say it clearly on the phone." ”

In terms of beauty and figure, the two sisters have their own merits, but in terms of cultivation, Guo Zijing probably can't catch up with Guo Zixian, so Guo Zijing can't fool Guo Zixian, but Guo Zixian can bluff her sister.

In the end, Xiong Baizhou couldn't stand it, and couldn't bear Guo Zixian to continue to tease Guo Zijing, so he took the initiative to divert the topic and said: "City Commercial Bank is a bank with strong geographical dependence, and before there is sufficient capital reserves, its radiation scope is only in this province at most. ”

Guo Zixian listened intently.

"However, Guangdong is now the most economically active city in mainland China, and it is adjacent to Hong Kong, with developed transportation and strong inclusiveness, which provides a good soil for the development of urban commercial banks, which is the fundamental foundation and prerequisite for the development of urban commercial banks. ”

The nanny saw that there was no water in Xiong Baizhou's teacup, and walked up diligently to fill it, Xiong Baizhou nodded and continued: "Let's analyze Lu Chongxiu's heart again, he knows that I am very close to you, but he didn't tell me alone, but conveyed this matter through you, maybe he was also testing my thoughts." ”

"If I had the intention, I would have taken the initiative to contact him, and if I hadn't, the commercial bank would have not mentioned it. ”

Guo Zixian nodded: "Mayor Lu said that the preparatory meeting has not yet been held, and the preparatory team has not been established. ”

"That's right. Xiong Baizhou smiled and said: "Lu Chongxiu's statement can be regarded as a condition of exchange on the surface, but in essence, it is actually to attract shareholders for the next step of establishing Yuecheng Commercial Bank. ”

"There are a lot of things to do to set up a city commercial bank, and Lu Chongxiu is not so easy to deal with just the restructuring and downsizing of credit cooperatives. ”

In the past, credit cooperatives were financing tools that could be directly controlled by the local government, and it can be said that the relationship with the government was intertwined, and now the credit cooperatives' funds are very shady, and most of them are considered non-performing assets.

In order to let the city commercial bank be reborn in such a mess, Lu Chongxiu naturally wants to have some powerful helpers with a foundation for cooperation.

In addition, the abundant turnover of Zhoumei Electric Appliances is simply tailor-made for the city commercial bank, as long as Zhoumei Electric saves this money in the city commercial bank, it immediately has the foundation for development and growth.

"So, are you ready to agree to this quid pro quo?" Guo Zixian understood the meaning of Xiong Baizhou's words.

"Of course. ”

Xiong Baizhou naturally will not let go of this opportunity: "I just thought about it, in the early 100000000000 funds, the Guangdong city government accounted for 30%, Zhoumei, Aiduo, Connect, Shenxiu, Henderson, Shuguang This is 60%, and you and I will personally contribute 5%, which will live together." ”

There are a lot of rich people in Yuecheng, but the real money took out 700 million at once, and there are not many people on this list.

"When did you understand finance too?"

Since Xiong Baizhou plans to take over the affairs of the City Commercial Bank, Guo Zixian will no longer hesitate.

Xiong Baizhou will naturally help sort out the complicated relationship, but she still finds it strange that Xiong Baizhou is good at market planning and relationship management, and he has never seen him show his talent in the capital market.

"I don't understand either. Xiong Baizhou replied honestly: "But although I don't understand, isn't there a world bank in Hong Kong, such as Hang Seng, HSBC, and Citigroup?"

"We hire one or two managers to gradually digest non-performing assets, reduce the non-performing loan ratio, and increase the scale of absorbing depositors' housing loans in accordance with the corporatized operation model, and they do not have too many interests entanglement with this side, which can ensure the purity of the city commercial banks. ”

Guo Zixian nodded her good-looking chin: "Then I will reply to Mayor Lu tomorrow." ”

"Yes. ”

Xiong Baizhou also agreed, but he quickly added: "But you have to answer one point, for example, to support the economic construction of Guangdong City as its own responsibility, to meet the needs of the general public for the purpose, and strive to provide professional, high-quality and efficient financial services for small and medium-sized enterprises in Guangdong City, to achieve a new round of rapid development." ”

Hearing Xiong Baizhou's perfection in these details, Guo Zixian couldn't help but smile, her eyes were moist and bright, she gently pulled her sideburns behind her ears, and the whole person had a quiet and graceful beauty, and then slowly stood up.

"Now that the matter is settled, then I am ready to go back and not disturb the two of you. ”

Seeing Guo Zixian leave without resting, Guo Zijing was also a little flustered: "Sister, I'll change my clothes and go with you." ”

"What?"

Both of them left, and it didn't make much sense for Xiong Baizhou to stay here, so he could only say, "Then I'll go back together." ”

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