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During this period of time in Xinwu, it seems that people are tired of vacation, and there are unbearable emotions, but it makes people relax after leaving Xinwu, how can they now sit in the library reading room with the breeze blowing from the branches of the woodtops to search around for eye-catching beauties?

After the autumn, the scorching heat of Haizhou passed, Zhang Ke sat in front of the window shrouded in thick shade, holding a book in his hand, not feeling the heat of autumn and summer at all, plus many beautiful girls in the first middle school like to go to the reading room to read, read a book for a while, look up for a moment, and then read a book, calm and calm, so that the afternoon time is passed away, than in Xinwu racking their brains for a hundred times more moisturizing; Anyway, the final exam that was delayed until the beginning of the new semester was only left for one day to review, and no matter how hard I worked, it was not enough. Pen "Fun" Pavilion www.biquge.info

In the new semester, a new batch of freshmen in high school and junior high school will be ushered in, and there will probably be a few delicate and beautiful fresh faces.

"What are you looking around?" Tang Jing picked up the book and shook it in front of Zhang Ke's eyes, "Read me a good book, if you fail the exam, Aunt Liang will definitely blame me for not taking care of you......"

"My mom isn't that unreasonable." Zhang Ke smiled slightly, after looking around, he still felt that Tang Jing, this girl was the most beautiful, Xiuzhi was like a delicate nose bridge carved from flawless jade, with delicate red lips, biting the pen, revealing a circle of white teeth, very tempting, Zhang Ke wanted to gently pluck Tang Jing's lips with the spine, and listened to two coughs from a distance behind him. The administrator of the reading room, the middle-aged woman who was in menopause, stared at this side all afternoon, intentionally or unintentionally, as if she had a stomach full of thick phlegm, as long as Zhang Ke wanted to openly scare Tang Jing in the reading room, even if there were some intimate movements, she would cough non-stop.

If it weren't for the fact that Tang Jing couldn't be a good boy, Zhang Ke would have wanted to take Tang Jing to lie on the lawn by the lake for an afternoon, and spent a rare leisure time under the surveillance of a perverted middle-aged woman, and there was always a feeling of a fly in the ointment - there were obviously several pairs of classmates and lovers in the reading room, but the two had to sit far away, just occasionally staring, enjoying the sweetness between young lovers - Zhang Ke and Tang Jing were no different from those classmates and lovers.

Except for the first-year high school students who participated in military training, only the graduating students on the campus of the University were required to come to the school to read their books - and they entered the graduating class in a dazzling manner. The bell rang at dusk, Tang Jing closed the book, and looked at Zhang Ke sitting in the warm sunshine at dusk, with well-proportioned and delicate facial features on her white face, a melancholy and charming brilliance in her eyes, and her slender fingers pressed on the pages, giving people a gentle and elegant feeling. stretched his waist and sat for an afternoon, his waist was sore, his hands and hips were stretched out, and he was so comfortable that he wanted to moan out, seeing Zhang Ke's eyes floating over, he smiled delicately, this should not be a lady's action, but he couldn't help but be presumptuous in front of Zhang Ke.

"Well, I knew you were impatient." Tang Jing took the book and patted Zhang Ke's cheek gently.

"Where? I'm also very serious about reading. ”

Zhang Ke and Tang Jing put the books on the shelves and walked out of the reading room hand in hand, not afraid that the middle-aged woman would come over and tell them to follow the rules of the reading room.

On the platform at dusk, there were many young students waiting for the bus, and the bus printed with the advertisement of the King of Science and Technology DVD player slowly approached the platform, Zhang Ke gently hugged Tang Jing's waist and squeezed into the crowded carriage with the flow of people. There is probably no better place for lovers to openly embrace than in a crowded carriage.

A middle-aged man who looked like an organ cadre next to him grabbed the rail, his briefcase tucked under his armpit, and was reading a copy of the Haizhou Daily on the 27th, unaffected. This is the newspaper two days ago, this middle-aged man read it with relish, Zhang Ke hugged Tang Jingjiao's soft and warm body, and glanced at the middle-aged man reading a comment article on the central bank's reduction of deposit and loan interest rates, and his seriousness seemed to deduct every word in the report into his stomach, his lips moved slightly, as if he was endorsing, thinking that this person was quite concerned about the economy, and in 96 years, few people would seriously study the commentary article on the relationship between loan interest rates and the economy.

This is the second interest rate cut this year since the central bank tightened monetary policy in '93, and the last rate cut was on May 1. These two interest rate cuts mean that inflation, which has been somewhat out of control since 93, has finally been brought under control, and the state has begun to encourage investment and expand domestic demand, of course, it also means that the domestic economy has signs of overproduction and insufficient domestic demand, and the bank door that was hidden from the vast majority of private enterprises three years ago has slowly opened again, but I am afraid that the vast majority of economists do not realize that the next 10 years will be a golden decade for the rapid development of domestic private enterprises.

This comment article, Zhang Ke has carefully read, is a comment article written by Zhao Shi, director of the Haizhou City Credit Cooperative, if this article is not asked to be ghostwritten, Zhao Shi has some goods in his stomach, this person in the comment article boldly predicted the economic trend in the next few years, as well as the major opportunities for the development of the private economy.

How should Haizhou's private enterprises welcome this most cherished golden decade?

The mobile phone rang, and the middle-aged man who was reading the newspaper on the side was startled, he subconsciously opened the briefcase to take out the mobile phone, and saw Zhang Ke take out the updated Ericsson mobile phone from his trouser pocket, adjusted his body, put the Haizhou Daily two days ago into the briefcase, and turned his head to look out the window.

Zhang Ke noticed that this person was peeping at Tang Jing through the reflection of the glass, hugged Tang Jing closer, and turned an angle, just blocking the middle-aged man's obscene gaze.

Tang Jing poked her head to see who was calling, her cheek was almost on Zhang Ke's lips, and when she saw that it was her father Tang Xueqian's phone, she stuck out her tongue, and subconsciously stood away from Zhang Ke, but when Zhang Ke answered the phone, she put her face over again and listened to what her father said to Zhang Ke on the phone.

"Xiao Ke, where are you at this time?"

"I'm on the bus," Zhang Ke thought to himself, not to mention hugging Tang Jing, "and Xiaojing just came out of school." ”

"That's right, you and Xiaojing came over for dinner."

Zhang Ke put the phone back in his trouser pocket and glanced at Tang Jing in surprise: "When did your father be so idle, he didn't say anything, as if I wouldn't go to your house to eat." Tang Jing pursed her lips, and her eyes were also puzzled: "Maybe my dad has something to look for you, right?" ”

"I think so too," Zhang Ke scratched his ears, "It seems that your father won't be able to do anything good looking for me, I think I can still go to Sister Wanqing's place to eat." ”

"You dare to ......" Tang Jing hugged Zhang Ke's arm in disgust.

got off at the station near the villa area of the municipal party committee, the middle-aged man who read the newspaper also got off the train, followed to the villa area of the municipal party committee, and walked for a while, the man seemed to recognize Tang Jinglai, pointed at her and asked: "Ah, you are Mayor Tang's daughter, right?" ”

"Oh......" Tang Jing looked at the man intently, still holding Zhang Ke's arm.

"I'm Zhao Shi from the Municipal Credit Union, Mayor Tang invited me to your house for dinner today......

"Ah......" Tang Jing learned that this person was going to her house for dinner, and hurriedly threw Zhang Ke's arm away, where did she know who Zhao Shi trusted by this city was? just thought that the appearance of hugging Zhang Ke on the bus fell on this person's appearance, and his delicate face was shyly red, "That...... This, I don't know if my dad is not at home......" Thinking that it was obviously my father who invited people to the house as guests, and said such stupid things, I blamed Zhang Ke for letting himself can't help but lie in his arms.

Zhang Ke also wondered why Tang Xueqian specially called to go to his house for dinner, was it to meet with this Zhao Shi? I didn't expect him to read the review article he wrote on the bus so seriously, smiled faintly, and didn't say anything.

Tang Xueqian was at home, sitting on the sofa, and there was also a copy of the Haizhou Daily on the 27th on the coffee table. Xu Ruiping is also in Tang Xueqian's house, he has been officially transferred to the municipal government office as Tang Xueqian's secretary, the administrative establishment is at the department level, and he is a deputy section-level cadre before he stays without pay to contract the city porcelain factory.

"Still waiting for you, did you meet Tang Jing on the road?" Tang Xueqian watched Tang Jing, Zhang Ke and Zhao Shi, director of the Municipal Credit Cooperative, walk in and get up from the sofa, "I was going to invite you to my office to talk, but it happened to be full during the day, I think everyone wants to eat, so I invite you to have a meal together at home, and the chat at the dinner table is also casual, this is Zhang Ke, the kid of Zhang Zhixing......"

Zhao Shi recognized Tang Jing, and guessed who Zhang Ke was, the notorious bastard boy of Zhang Zhixing's family, like Tang Jing on the bus, his hands fell on the little girl's buttocks, what is the difference between it and indecent assault? smiled quietly and said, "It's very similar to Secretary General Zhang, so handsome!" ”

Zhang Ke rarely saw Tang Xueqian invite the following people to his house for dinner, it seems that he admires the article in the Haizhou Daily on the 27th, presumably Zhao Shi can also be conscious, and he brows with a pride that he can't hide.

Dinner was almost ready, Tang Jing went over to help her mother prepare dishes, Tang Xueqian ran to the second floor to get a bottle of dry red and came down, but he was busy for a long time to find a starter to open the wine bottle.

Tang Xueqian came to Zhao Shi, it was from this article that he saw that he had his own views on the economy, and wanted to talk to him, the topic naturally started with the central bank cutting interest rates twice in a row, and talked about the subtle signs of the current domestic economy.

Tang Xueqian was also a little disappointed, and he didn't keep Zhao Shi after dinner.

Watching Zhao Shi leave the courtyard from the floor-to-ceiling glass window, Zhang Ke said with a smile: "I saw this Director Zhao reciting his own article on the bus!" ”

"Moth! It's hard to take the bus for him," Tang Xueqian smiled helplessly, "I was thinking, Zhao Shi really has this level, and the urban credit union will not fall to the point where it is today, I don't know if I can find the real author of this article...... This article carries some weight. ”

"Looking for Li Mingxue, he should be familiar with people who study economics in Haizhou, maybe this Director Zhao is the gunman who wrote this article in the Department of Finance of Haida University......"

"I wish this gunman was in the city credit union system......"

"Why?" Zhang Ke asked.

"Come on," Tang Xueqian said, beckoning Zhang Ke to sit down on the sofa in the living room, "The urban credit union has gradually exposed many risk management problems in recent years, and this time, the province requires all cities to clean up the urban credit cooperative, resolve local financial risks, and establish ...... city commercial bank."

"Set up a city commercial bank," Zhang Ke asked, "when will it happen?" ”

In the 95th Five-Year Plan, the State Council required all localities to set up urban commercial banks on the basis of urban credit cooperatives, but the progress of the promotion in various provinces and municipalities was different, for example, the economy of Huishan was relatively developed, and the province was the first to set up urban commercial banks in Huishan as a pilot project, and the areas with a relatively poor level of economic development were later, and Zhang Ke did not expect that he had already advanced to Haizhou.

"I sent a document in the province last month, and you are in Xinwu."

Zhang Ke bit his lip and said: "It is not very difficult to set up a city commercial bank, I haven't read the document issued by the province, but I have read the document of the central government last year, based on the current urban credit cooperatives, the city can be set up by finding a few local enterprises to invest and hold shares, but I am afraid that all localities may not be able to learn the lessons of the original establishment of urban credit cooperatives...... "Historical experience also proves that more than 100 urban commercial banks established in various places in the mid-nineties have been developed for ten years. The vast majority of them have accumulated quite serious problems, which are nothing more than arbitrary loans issued under the strong intervention of the government or certain people, resulting in huge bad debts and bad debts.

"Is Kumho interested in the establishment ......of a city commercial bank that allows not only private institutions to hold shares, but also allows individuals to hold shares directly?"

Zhang Ke knew that Tang Xueqian took the initiative to find himself to eat, and there was no good food to eat.

The registered capital of a city commercial bank is only required to be 100 million, and even if private enterprises are allowed to hold shares, there are strict restrictions, and a private enterprise is prohibited from holding more than 15% of the shares, that is, 15 million investments, but Zhang Ke has to consider what this investment can bring to himself.

Tang Jing brought the tea, Zhang Ke subconsciously took it, and gave Tang Jing a hand: "This is not your ......" Zhang Ke smiled, handed it to Xu Ruiping first, and Xu Ruiping pushed it to Tang Xueqian. Naturally, the second cup was not Zhang Ke's, he watched Tang Jing go back to the kitchen, and after a while, he came out with a cup of coffee, looking at the color of the coffee, Tang Jing added a lot of milk to it, this is Tang Jing's favorite taste, fortunately, he and Tang Jing have been drinking a cup of coffee together for a while, and he is used to her taste.

Tang Xueqian saw that Zhang Ke was distracted by the coffee matter, and said: "At present, some of the more famous international consortia are all centered on banks, controlling a large number of industrial and mining enterprises with huge bank capital, and playing the most important influence in today's economic activities. ”

Zhang Ke smiled slightly and said, "Kumho is still 108,000 miles away from developing into a truly influential consortium...... I don't have that ability, I don't have that ambition, and I don't support it with key national policies," Zhang Ke naturally knew in his heart that the process ......of gradually opening up the banking industry to private capital in the next ten years or so could be said to be less and less restrictive, and Kumho thought that it would take a long time to develop into a consortium with huge influence.

"So, have you thought about it too?" Tang Xueqian asked.

"Hmm......" Zhang Ke nodded, there was no need to deny it.

If Kumho can control a commercial bank through its shareholding, and then provide commercial loans through commercial banks to support the development of potential enterprises, it will always have strong penetration and influence on these enterprises through commercial banks. In modern society, this kind of penetration and influence is the real power.

For example, Kumho wants to support Century Catering to develop the tourism industry in Xinwu, and Kumho directly provides loans, which will inevitably have a certain impact on the development of Kumho's enterprises, but only a relatively small amount of capital is needed to control a commercial bank, and by absorbing deposits from the public and enterprises, the bank's capital can be magnified more than ten times, and providing commercial loans to Century Catering will have the least impact on Kumho's own operations. If the bank also has close business contacts with other related enterprises, it can naturally promote the integration of resources between Century Catering and these enterprises through the influence of the bank, and at least get some support from these enterprises.

Yes, this is the real road to Kumho's growth.

In 95, the State Council formally put forward the requirement for all localities to set up urban commercial banks on the basis of urban credit cooperatives, and also explicitly allowed private enterprises and private shareholding companies, which was probably the real beginning of the entry of domestic private capital into the banking industry.

Of course, in the process of the development of urban commercial banks, due to the strong intervention of the government (usually local governments control urban commercial banks through direct shareholding and state-owned enterprise shareholding, so that urban commercial banks have become a tool for accumulating wealth in the hands of a small number of people), so that urban commercial banks have taken a lot of detours in the development process, and there is a very strict restriction that urban commercial banks in various regions are prohibited from operating across regions. That is to say, Haizhou City Commercial Bank cannot develop bank outlets outside Haizhou area, so that City Commercial Bank has no chance of real development and growth. Under all kinds of restrictions and direct interference from the government, only a few urban commercial banks have finally achieved real development, such as several urban commercial banks in Zhejiang Province. One of the most important lessons for the success of these city commercial banks is to reduce direct government intervention in the banks, so that they mainly serve the private sector in the region. After five or six years, the reason why the private and private capital in these regions can form a group to form a capital scale of hundreds of billions of yuan, which has swept the country's property market, stock market, energy, mining, and other fields, is that the urban commercial banks in these areas have played a very important cohesive role.

Kumho is developing, and private capital in other regions is also developing, and if Kumho develops alone, it will obviously be very difficult to directly compete with hundreds of billions of capital forces in ten years. Even if it unites Shengxin and Haiyu, its strength is very limited, but through the influence of city commercial banks on private enterprises in Haizhou, a loosely connected regional economic alliance can be formed, with several large enterprises as the core, and a huge capital force can also be formed.

Zhang Ke lowered his head and thought for a while, and said: "If you want to say that you are not interested, you may not believe it, I want to ask, will the city give up its controlling stake?" I mean, both directly and indirectly...... Although there is a limit on the shareholding ratio of each private institution, there is no clear regulation on the total proportion of private capital in the total share capital, and theoretically, the city can give up its controlling stake......"

Tang Xueqian said: "This issue has been discussed by the Standing Committee of the Municipal Committee, but the opinions are not unanimous, and there is no conclusion yet......

"What's more, there is no one around us who has the experience of preparing and managing a regional commercial bank," Zhang Ke looked at the Haizhou Daily on the 27th on the coffee table, or the article commenting on the central bank's interest rate cut, "Whether this person can do it or not, it is still unknown." ”

"You have to do it," Tang Xueqian said, "Since you are interested, then I can ask you to help me share some ......."

Zhang Ke spread his hands and said: "Uncle Tang, you have said it directly, I can't say that you plan first, and I will decide whether to participate or not after looking at the situation." It's just that my shoulders are thin and small, and there is really a limit to what I can bear. ”

Tang Xueqian laughed and said: "I raised a daughter, so I envy your father for having a son to share the pressure for him, you have to play tricks and don't work hard, of course I can't do anything about you." ”