Shen Lang didn't know much about the bank before, but after listening to Luo Yan's report, he understood the depth of the bank.

For example, if Nanyue Bank wants to develop, it must have sufficient free capital.

For example, the private placement of shares prepared by Nanyue Bank was to restore the limit of 8% capital adequacy ratio.

Once it falls below 8%, Nanyue Bank will be in big trouble.

To put it simply, the capital adequacy ratio is the bank's own funds, including the capital obtained from the issuance of bonds, etc./the savings funds absorbed.

Another criterion is that the core capital adequacy ratio must be greater than 4%.

The so-called core means that it must be the bank's own money, not including bonds.

That is, if the bank has 4 yuan, it can do 100 yuan of business.

Of course, this is already a tipping point, and it is quite dangerous to play with such a pressing line.

Now that Shen Lang has become the new boss of Nanyue Bank, the biggest advantage for Nanyue Bank is that the core capital may be raised to a terrifying number.

The more core capital, the more funds from savings users will be absorbed for leveraged investment and lending to generate income.

After Shen Lang understood, he injected 10 billion yuan into Nanyue Bank without saying a word.

The increase of 10 billion yuan in core capital is of absolutely extraordinary significance to Nanyue Bank.

According to the core capital adequacy ratio of Nanyue Bank maintained at the level of 8%, Nanyue Bank can absorb an additional 125 billion yuan of funds for lending to earn interest and investment.

However, whether or not it can absorb so much capital depends on the operation and development of Nanyue Bank itself.

Luo Yan saw a sum of 10 billion funds remitted in, and there was no resistance at all in his heart.

Of course, Luo Yan hopes to develop Nanyue Bank well, and the better the results of Nanyue Bank, the more famous Luo Yan will be.

Office of the Chairman of the Board of Directors of Nanyue Bank.

After several owners, this office finally has a complete ownership.

Shen Lang listened to Luo Yan's report in the office, and Luo Yan was ready to start a drastic reform and development of Nanyue Bank.

The first thing to seek is of course Shen Lang's support, especially the financing quota of the company in Shen Lang's hands is what Luo Yan covets the most.

"Shen Dong, the newly established asset management department is mainly responsible for the management of existing assets, and the investment department mainly seeks some projects that are more stable and can have an appropriately lower return margin. ”

Luo Yan is in his forties, with a slightly fat figure and some thinning hair, but his ability has always been good.

"Dong Shen, I am ready to invest more shares in other companies in your hands in the future, and I hope that you will remember Nanyue Bank when you consider financing at that time. Luo Yan said with a smile.

Fertilizer and water do not flow into the fields of outsiders, and if Nanyue Bank can eat the shares, it will definitely be better than giving them to outsiders.

As long as the return on investment is higher, the greater the fame of Nanyue Bank will be, and the more funds will be absorbed.

Luo Yan paused and said: "Regarding the expansion of business outlets, I plan to dig deep into the existing cities outside the province, and we will start working at the same time inside and outside the province. ”

Nanyue Bank is only a regional city commercial bank, and is not qualified to expand outside the province, and if it can obtain the qualification for expansion outside the province, the national bank will not fall into the hands of Shen Lang.

The license plate that expands at will across the country alone is enough to attract a bunch of bigwigs.

But the former president and staff of Nanyue Bank are really good, and they first occupied several good places such as Shancheng, Pengcheng, and Shacheng.

In the early years, with the rapid staking of urban commercial banks across the country, the regulator issued a "brake order" to the urban commercial banks that were busy staking at that time.

Urban commercial banks are allowed to apply for branches within their jurisdiction and in the surrounding economic close areas, but not across provinces and regions, so as to curb the impulse of blind expansion.

I don't know how many city commercial banks are stunned and helpless by this policy, including Nanyue Bank, and they can only be happy.

Nanyue Bank, which holds Shancheng, Pengcheng and Shacheng, is already good, and the space for expansion in these three cities is still huge.

However, Shen Lang's words completely made Luo Yan fall into ecstasy, and Luo Yan couldn't believe it: "Shen Dong, are you saying that we can enter the Demon Capital and Rongcheng to develop?"

Luo Yan dreamed of opening a few more branches in different provinces for Nanyue Bank, but the difficulty was enough to discourage Luo Yan.

That is really not something that ordinary energy can solve, but now Shen Lang has a fluttering sentence that can make Nanyue Bank expand to the magic capital and Rongcheng, how can it not make Luo Yan excited and ecstatic?

Shen Lang sighed, this time Xu Gang and Wan Zihao's relationship is great.

"I have already contacted, you immediately send someone to choose a good address, try to choose a slightly prosperous business district nearby, don't be stingy with the rent problem, and apply directly to the local CBRC when the time comes. ”

Luo Yan nodded again and again: "I will personally be responsible for the site selection, but it depends on you whether the CBRC can approve it." ”

"Don't worry, I've already contacted you, first select a site and then apply, speed up the decoration, and occupy the market first. ”

In fact, these city commercial banks have long had successful precedents for expanding in different places, so Shen Lang will apply.

Some things, as long as you break the rules once, the second time will naturally follow.

Luo Yan was instructed by Shen Lang to immediately send two vice presidents to personally lead a team to Modu and Rongcheng to personally inspect the address, and actively prepare materials to submit to the local Banking Regulatory Commission.

However, in a week's time, Luo Yan talked about two excellent locations that will be used as the office locations of Rongcheng Nanyue Branch and Modu Nanyue Branch.

Luo Yan submitted two applications at the same time and handed them over to the local banking regulatory bureaus in Rongcheng and Modu respectively.

Everything was so quick and natural that Nanyue Bank, which had been approved successively, directly obtained the qualification to conduct office in the local area.

The morale of Nanyue Bank was instantly boosted, and when all other peers retreated into the province, Nanyue Bank had gone outside the province.

Now everyone in Nanyue Bank knows that the new boss is extraordinary, and he has strongly acquired the shares of other shareholders, and now he has won the qualification to expand in other places.

The energy and connections in this have made them enough to discuss for a long time, and people like Nanyue Bank have long been ready to expand in other places.

Talents have been in reserve for several years, but that license is what they covet the most.

If a city commercial bank fails to expand in a different place, it will be a huge loss to improve its internal talents.

This is also the reason why the dozen or so national joint-stock banks are so valuable, and the license to expand at will across the country is the most important.

Now that Shen Lang has opened up Rongcheng and Modu, the development of Nanyue Bank has naturally accelerated instantly.

Since Nanyue Bank was acquired by Shen Lang, it can be said that it has reaped good news one after another, and the core capital has been increased by 10 billion, so that Nanyue Bank can absorb more savings funds.

In the past, it didn't matter if Nanyue Bank was in a corner, if it expanded to the magic capital and Rongcheng, and the core capital was insufficient, it would be too uncomfortable.

The feeling of being forced to send users away is chilling to think about.

Of course, this basically will not happen, at most Nanyue Bank keeps issuing additional shares and introducing new shareholders.

However, the intricate equity will definitely affect the development of Nanyue Bank, and the emergence of Shen Lang is definitely the most critical factor for Nanyue Bank to take off!

Please remember that the first domain name of this book is:. Nine Heavenly God Emperors