Zheng Jian's Yinfeng Investment Company is actually a subordinate entity of the Provincial Construction Bank specializing in business development, and he himself is also a cadre of the Anyuan Provincial Branch of the Construction Bank, going to Hainan to develop real estate, Zheng Jian is also entrusted by the Provincial Branch, but Qiao Hui also added a share later, and the two took a group of people to join forces in Haikou and Sanya from the beginning of 92 years to speculate in real estate, that Tianhou Temple encounter was also Qiao Hui came back for a vacation to relax.

Half a month before the bubble burst, they threw everything away, and two weeks later, the "6, 24" 16 articles were introduced, and the real estate market in Hainan and Guangxi Beihai plummeted, leaving only chicken feathers.

The collapse of the real estate industry in Hainan has directly led to the tens of billions of funds of the four major state-owned professional banks in various provinces across the country, and especially the CCB system is miserable, several municipal branches under the Anyuan Provincial CCB system have suffered heavy losses, and the only one who can really get out of the whole body and even make a big profit is the Yinfeng Investment Company of the provincial branch, which also makes Zheng Jian, who returned to the provincial branch, out of the limelight, and has been praised by the main leaders of the provincial branch. Even the head office knew that Yinfeng Investment Company, which was located in the Anyuan branch of CCB, had made a lot of gains in the Hainan real estate market and left after judging the situation.

Lei Xiangdong, who works in the bank's guidance department, and Xiao Huashan, who works in the ICBC system, are naturally aware of the ups and downs.

How many of the original leaders in the industry system have been planted in this sudden storm, tens of millions of funds smashed into it without seeing the benefits but may be lost, the leaders who were anxious at that time are now naturally urging the parties to recover the money, a large number of leaders are inevitably implicated, and only Zheng Jian shines in this storm, then it is reasonable that the branch will be promoted and reused.

"Guodong, I heard you mean that the state will also establish a policy bank, I don't know what you think of this issue?" Lei Xiangdong is obviously more concerned about actions at the big policy level.

"It's very simple, if the four major professional banks still issue policy loans while issuing commercial loans, and we all know that the possibility of repayment of such loans is very small, then they will never be able to become real commercial banks." Zhao Guodong talked eloquently, from the realistic books, he has been able to combine the memories of later generations to figure out a lot of Taoism.

"Only by allowing the state-set policy banks to undertake the policy loans issued by the state's instructions, and the commercial banks operating entirely from the purpose of their own operating efficiency, can the commercial banks gradually come out of the shadows. In fact, we all know how high the non-performing asset ratio of our domestic banks is. Compared with the same foreign banks, our non-performing loans are generally ten times higher than theirs, which is appalling and impossible for a pure commercial bank. ”

Lei Xiangdong was silent, of course he knew the real situation of the current non-performing loans of the state-owned banks, but this was not caused by the banks themselves, the intervention of the state and even local governments with strong administrative orders was an important reason for this situation, no bank was willing to do this, knowing that it might not be able to repay the money and could only issue loans head-on, but in many cases it was impossible not to do it.

"Guodong, you are also very clear about our national conditions, the bank is nominally vertically managed, but to a large extent it is still affected by administrative power, in the case of our work bank, if we Nanhua Municipal Party Committee and Municipal Axe require us to continue to borrow from the Nanhua Silk Company, which has fallen into the verge of bankruptcy, to ensure that the wages of the employees of the Silk Company can be paid on time every month, can we Nanhua Industrial and Commercial Bank not take out loans?" Xiao Huashan smiled and said: "But if you lend it out, maybe next month, maybe next year, it will go bankrupt, what can we get from ICBC?" A bunch of dilapidated machines, or a few dilapidated factories, if there are a few more creditors, I am afraid that everyone will only sit in a row and eat fruits, one by one! In such an environment, can the non-performing loan ratio of banks be high? ”

"That's why the state will establish a policy bank to solve the problem of loans supported by the policy surname, but like the situation you said, I estimate that it may not be able to ban it in three or five or even ten years, after all, we are a socialist country, and professional banks are also state-owned banks, from a certain point of view, it must assume some social functions." Zhao Guodong also nodded in agreement.

"Therefore, the road to commercial operation of state-owned specialized banks is still very long, and it is not realistic to realize the real ideal business operation in one or two days." Lei Xiangdong also added.

"Well, but this is also the way to go, maybe there are a lot of ups and downs, but the general trend cannot be changed." Zhao Guodong said intentionally or unintentionally: "I think that within this year, several national policy banks should be established." ”

"Oh, Gordon, are you so sure?" Lei Xiangdong glanced at Zhao Guodong thoughtfully, if it was an ordinary person, Lei Xiangdong would not care, but Zhao Guodong can accurately predict the timing of the country's macroeconomic rectification policy, which cannot but make him pay attention to it.

"It should be so, with the current style of the central leader in charge of the economy and the current urgent situation of the economy, it is better to set up a bank with a policy surname sooner rather than later." Zhao Guodong said categorically that he had the impression that China's policy banks should have been established one after another in this year.

Qiao Hui couldn't interject from talking about the general trend of the country's economy and policy trends, without a basic economic concept, you will only be ridiculed if you comment on it, Qiao Hui also knows that he is a layman in this regard, so he doesn't say much.

These are all playmates who grew up together in the family compound of the People's Bank of China, and the relationship is very close, and the banking system also has a strong concept of inheriting the father's business, and there was only one anywhere before 79 years, that is, the People's Bank of China, but it was not until the eighties that the four major professional banks were successively separated.

Although Qiao Hui did not enter the financial system for various reasons when he became an adult, he still maintained a very good personal relationship with several playmates who had already made a name for himself in the banking system.

From the reform of the banking system to the current trend of the domestic economic situation, from the fiscal tax system to the exchange rate reform, the four of them are also talking more and more intensely.

"What does it mean that the exchange rate is on the same track, hehe, this is ruthless, the advantages of state-owned companies are suddenly gone, and a single managed floating exchange rate based on market supply and demand is implemented, and the renminbi has depreciated by more than 30 percent all of a sudden, what does this mean?" Ray glanced east at the three beside him.

What does that mean? It means that our labor costs and product costs have become cheaper, exports can expand rapidly, and China has become a more attractive place for foreign investors, and foreign capital will surely roll in! Zhao Guodong also knew that the other party was taking the school exam, but this was too simple for him.

"The Asian tigers will soon become a thing of the past, with the continuous growth and upgrading of China's manufacturing industry, China will gradually become the world's manufacturing center of gravity, and especially private enterprises will also take advantage of the momentum, become a major driver of China's economic growth, and foreign trade-driven economy will become China's leading direction for a long time, which will be the engine of China's economic growth, only in this way can China's economy achieve long-term, stable and high-speed development."

Lei Xiangdong exchanged surprised glances with Xiao Huashan and Zheng Jian, this guy is simply too strong, and he understands the direction of the country's economic development so thoroughly that many things that he has thought of but has not yet thought clearly fall into his mouth and become eloquent.

Even Lei Xiangdong, who has always regarded himself as an expert on the relationship between national economic and financial policies, has to admit that Zhao Guodong's sense of smell and even intuition in this regard is unusually keen.

The discussion of international and domestic developments soon returned to the economic dynamics of Ahara Province, and Zhao Guodong also knew that being humble in front of these guys would only invite distrust, and you could only be recognized by showing your own talents and abilities.

"Anyuan Province has quite superior geographical advantages, the location of the central and western regions combined with regional connection points is difficult to replace any other province and city, and Anyuan also has a fairly strong economic foundation and scientific and technological development potential, especially Andu as the city with the strongest industrial and commercial atmosphere in the central and western regions and the most solid teaching and scientific research strength, it has a unique advantage, which is probably one of the main reasons why the first Central and Western Investment and Trade Fair chose Andu."

"Brother Lei is right, South Korea's Daewoo joint venture with Anqi this time in addition to Anqi itself has a certain strength, more importantly, it also sees the advantages of Andu, which is located in the middle of the Chinese mainland, the special geographical location, wants to open the market here, expand to the southwest, northwest, south China and central China, and Anqi can also have this opportunity to revive its strength, and Anyuan Province also intends to take this opportunity to build the dream of China's central automobile industry base."

Zhao Guodong picked up the phone, "Brother Zheng, this time Anqi Group and Daewoo joint venture, does it mean that your CCB has no intention of a bank-enterprise joint venture?" ”

"Hehe, of course, the joint venture between Anqi and Daewoo is a project that the state and the province attach great importance to, and it is natural for us to provide loan support, not only us, but also ICBC will join in." Zheng Jian smiled.

"Our Jiangkou Development Zone is now building a distribution industrial park, there have been a considerable number of enterprises to invest in our development zone to build factories, and some are under investigation, I don't know if Brother Zheng and the leaders of Andu Construction Bank are familiar with each other, to help build bridges, we Jiangkou Development Zone also has the idea of cooperating with the CCB system to create an excellent industrial park."

"Oh?" Zheng Jian's eyes moved slightly, "This is a good suggestion, I am still familiar with Guo Dong of the City Construction Bank, take a time to meet, you can talk to him about your thoughts." ”

Zhao Guodong also laughed, "Don't take it seriously, Brother Zheng, I just want to use this momentum to let the merchants who come to invest in the construction of factories feel the good cooperative relationship between the management committee of our development zone and the CCB system. ”

Several people next to him laughed, and Lei Xiangdong also admired Zhao Guodong's brain is so easy to use, and he can figure out an idea with any movement.

(To be continued)