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Li Yihua didn't sleep well all night, tossing and turning until the sky was slightly bright, and finally fell asleep, and when he slept he felt that his eyelids were a little puffy, the curtains had been opened, and the dazzling sunlight was shining directly on his eyes, and he touched his watch from under the pillow, and it was past eight o'clock. Li Yihua put on his shirt and pants www.biquge.info it was quiet outside, his son and daughter had gone to school, it would not be so quiet, he pushed open the bedroom door and watched his wife sitting on the old cloth sofa in the narrow living room knitting a sweater, and complained: "What time is it now, why don't you wake me up?" It's all late. ”

"Does anyone care if you're late?" Li Yihua's wife turned around and asked suspiciously, "You tossed and turned in bed yesterday, are you thinking of a vixen?" ”

"Which vixen has a charming wife of his own?" Li Yihua said duplicitously, thinking that what Zhang Ke said in the business hall yesterday was very straightforward, and there were so many people at the counter listening to it, I don't know if it reached Zhao Shi's ears. Li Yihua was a little apprehensive in his heart, seeing that the kitchen was preparing gruel for breakfast, and it had not yet cooled down in the rice nest, Li Yihua did not have the patience to wait for the hot porridge to become cold, and pushed the cart out of his yard. Pick a house, he deliberately picked the bottom of the middle set, after the son and daughter grew up, and built a room in the yard, a family of four is barely enough, but such a house has only a small dining room, no living room, the ground floor of the house, the light is dark, the sun is outside, and the home is just a dusk-like feeling.

Li Yihua stayed in the office all morning and didn't go out, wanting to call Tang Xueqian's secretary Xu Rui, yesterday Zhang Ke handed over Xu Rui's contact information to them, but yesterday I heard Su Chaodong say that Zhang Ke is just a student in the third year of high school, although he is Zhang Zhixing's son, he didn't take it too seriously, and threw Xu Ruiping's business card into the trash, but he remembered the mobile phone number on the business card.

Li Yihua felt that he had been staring at those sharp and deep eyes all morning, so he hesitated for a morning and did not call, until Su Chaodong called him to go to the cafeteria for lunch together, he said: "You go first, I still have some things to ...... at hand" Seeing that everyone else in the office had left, he picked up the phone......

Shutdown! How could Xu Ruiping's mobile phone turn off at this time, or did his memory that he had always been confident deviate?

Although he can find the landline of the city government, but this kind of unreliable thing is better to call the mobile phone to contact first, he ran to the corridor outside the liquidation department on the third floor, and the garbage cans that no one cleaned up for a few days were cleaned up today.

Tang Xueqian's office is very simple, except for the bookshelf with the ceiling, there are only two pots of bamboo in the corner.

Watching Geng Jianzhong send the information in, Zhang Ke sat leisurely opposite Tang Xueqian, and Xu Ruiping stood up quite dutifully to help Geng Jianzhong take the information.

Tang Xueqian does not have much good impression of the people in the municipal government office, and it is quite tolerant that these people are not cleared out of the municipal government office, and he transferred Geng Jianzhong of the Education Bureau to him as the secretary general this time, from the director of the education bureau to the secretary general of the municipal government, the document looks like a horizontal transfer, but for those who are interested in running a career, it is a step forward.

"Xiao Xu, your phone hasn't turned on?" Geng Jianzhong asked Xu Ruiping.

"Oh," Tang Xueqian raised his head, "I asked him to turn off his phone." ”

Geng Jianzhong just asked casually, although he is the leader of Xu Ruiping, but Xu Ruiping was personally selected into the city government by Tang Xueqian, can he still raise eyebrows at a little mistake in Xu Ruiping's work? Hearing Tang Xueqian say this, I thought that there might be some other reason, Xu Ruiping was obviously in Tang Xueqian's office, and he had lunch but told the people below that he had told the people below, and several deputy secretaries-general couldn't find others. Geng Jianzhong didn't ask much, and after Tang Xueqian signed the document, he walked out.

Tang Xueqian looked at his watch and said, "The time you said is almost up, will this Li Yihua come over?" ”

"Who knows? It's just a small obstacle, it looks like a prank with him," Zhang Ke shrugged, "The Xinhe Union is full of problems, and it is necessary to use the Xinhe Union as a foundation to form a city commercial bank, and to let the Xinhe Union be truly reborn, rather than a superficial change from the form of a company to a small commercial bank, there are many obstacles to be overcome, and the management work is not something that ordinary people can do." ”

Tang Xueqian sighed softly and shook his head, the problem of the Xinhe Union is really serious, there are 12 urban credit cooperatives in Haizhou City, the total assets are only 1.2 billion, the loan scale is less than 500 million, the proportion of non-performing loans is as high as 42%, a total of more than 800 employees, according to the standard of commercial banks, the overstaffing is nearly doubled, some credit cooperatives are contracted by individuals, like their own small gold inventory, some credit cooperatives are almost bankrupt, and the information and files are also incomplete. Since urban credit cooperatives have always been a financing tool that can be directly controlled by the local government, and the personnel arrangements of the credit cooperatives are also directly led by the local governments, it can be said that the credit cooperatives are intertwined with the local government, and it is by no means an easy task to solve the problem of overstaffing.

The quartz clock hanging on the wall was ticking and walking, and the agreed time had passed, Xu Ruiping also wanted to say that Zhang Ke overestimated the resilience of this Li Yihua, Geng Jianzhong knocked on the door and came in, and said: "Mayor Tang, there is a person named Li Yihua from the Xinhe Associated Press, saying that you asked him to meet at this point, I looked at the arrangement this afternoon, and it seems that there is no such thing......

Tang Xueqian smiled and asked, "Are others still outside?" Maybe there's something, Xiao Xu, you go and call him in. ”

Geng Jianzhong's words were concise and to the point, but he could hear that Li Yihua came over and asked him to block it, and it should be Li Yihua's insistence that he came over to ask.

Li Yihua's weak palms were sweating in the reception room, and the secretary general in charge of Tang Xueqian's schedule said that there was no arrangement for the meeting, and he insisted that Geng Jianzhong ask about it, which was simply stepping out of the cliff.

When Xu Ruiping came in, he didn't recognize Xu Ruiping, he just stood up with his body, and only when Geng Jianzhong was impatient to see him, he casually found someone to drive him away.

"I'm Xu Ruiping, Mayor Tang is waiting for you in his office."

Li Yihua stretched out to shake hands, his knees knocked on the corners of the glass, and a sound frightened him, only to see a paper cup containing half a cup of pure water swirling around the glass, and finally did not fall down, he breathed a sigh of relief, and walked out of the reception room with Xu Ruiping to Tang Xueqian's office, such a short road, he tried to calm himself down, how many times can he have such opportunities in his life!

Seeing that Li Yihua was at a loss due to a lot of psychological pressure in the reception room, and walked to the mayor's office to breathe finely, Xu Ruiping thought that this calm work was not bad.

Zhang Ke saw Li Yihua and Xu Ruiping coming in, stood up and said with a smile: "Yesterday, I heard Deputy Director Li explain in detail some of the current shortcomings of the Xinhe Association, and I almost relayed it to Uncle Tang...... Do you want to hear what kind of good solution Deputy Director Li has today? The latter sentence was to turn his head and ask Tang Xueqian.

Tang Xueqian stood up, pointed to a chair beside Zhang Ke, and asked Li Yihua to sit down; Xu Ruiping went to help Li Yihua make a cup of tea and came in.

In accordance with the state's regulations, the local government can invest in the financial budget funds to set up a city commercial bank, but the shareholding shall not exceed 30 percent, but the usual practice at the local level is to pull the local state-owned enterprises into shares, plus the direct shareholding of the local finance, to achieve a controlling interest in disguise.

Li Yihua naturally can't intervene in these fundamental issues, which involves the game between the shareholders and the city. Kumho, Haiyu and Shengxin promise that their enterprises will not raise funds from city commercial banks, and provide certain deposit support for the development of city commercial banks, and also limit the proportion of funds directly allocated by the city from city commercial banks for municipal engineering construction, ensure that the established city commercial banks will mainly support the development of high-quality Haizhou private enterprises, restrict the city's direct intervention in the management personnel transfer of city commercial banks, ensure that the board of directors and the board of supervisors are not fictitious, and ensure the veto power of board members on credit review, as well as the mechanism for the withdrawal of shareholders participating in the shares, etc. Tang Xueqian supports these conditions, but these agreements must not only be reviewed and approved by the Municipal Standing Committee meeting, but also submitted to the provincial government and the Provincial Banking Regulatory Commission for deliberation.

Zhang Ke and they want to hear from Li Yihua that there is an effective and rapid solution to the current chaotic management of urban credit cooperatives, the so-called rapid is to quickly cut through the chaos, such as the elimination of nearly half of the redundant staff, for example, to reverse the current situation of the current low sense of public service of credit cooperatives, these are all problems with great resistance, which require managers to have the courage to solve well, but can not let the following uproar.

Li Yihua is a smart person, Tang Xueqian does not find himself according to the convention, and absolutely does not want to see a moderate way of thinking to solve the current predicament of the credit union. He sorted out his thoughts a little and said eloquently: "...... Streamlining personnel and the implementation of the performance appraisal system, is the letter and cooperative association is now urgently to take the two restructuring road, streamlining personnel, divided into three steps, elimination, layoffs, the current credit cooperative's mortgage business can be completely stripped to the Municipal Public Security Bureau, this alone can streamline nearly 100 people, for those who are older, not suitable for business development of employees, according to the length of service to completely buy out, and then the implementation of the last elimination system, not only to further compress the incumbents, but also to improve the staff's business level and service awareness......

Zhang Ke heard Li Yihua say this, smiled at Tang Xueqian, and said: "These ways of dealing with it are really not harmonious, I have seen the personnel of the credit union, and the situation of overstaffing of cadres is more serious, and I see that there will be more people who often visit the city government in the future...... "There seems to be no such thing as "building a harmonious society" in 96 years.

The miscellaneous people who can be arranged into the cadre establishment of credit unions are more difficult than ordinary workers in state-owned enterprises, and some of them may have strong social activity ability. These people are often under-successful and more than failing, and if they are not cleaned out, it is really difficult to have a makeover management and rectification; To get them out, their ability to make trouble is a headache, and it depends largely on the support of the city.

Tang Xueqian smiled and said, "The labor pain that should be there still has to be endured." ”

Li Yihua was a little relieved and continued: "...... While streamlining personnel, the performance appraisal system is gradually promoted, and the industrial account manager system resolves the deposit and loan interest rate difference into simulated profits, and the account manager can be proportional to the commission, so that the account manager's income is linked to the deposit; The salary income of the counter staff is also decomposed into three parts: basic salary, deposit, and business volume. Branch directors, their income must be linked to the profits of the branches, and the income gap between the branches will be widened, even if the annual income gap is dozens of times, there is no problem; The income of the management personnel of the association and the employees of the department of the association should also be linked to the profit of the whole company, and the income should be calculated according to the point value of the post and the completion of the profit of the whole company. In addition, the bank has also implemented reform and optimization in terms of internal control and organizational structure, and implemented centralized and vertical management of major businesses such as accounting, auditing, and cash, especially credit review management......"

Zhang Ke put his palms together on his chest, listening to Li Yihua talk eloquently, while thinking, and after Li Yihua finished speaking, he moved his body and did not speak.

Tang Xueqian walked over and shook hands with Li Yihua, and said, "Your words are very useful to us, thank you for coming over in the afternoon." "Let Xu Ruiping send Li Yihua out.

Watching Li Yihua go out, Tang Xueqian touched his head and said with a smile: "If you want to cut off the inertia that the credit union has cultivated for decades, don't talk about those who have been streamlined, those employees on the job will also jump up." Even if the annual income gap is dozens of times, there is no problem, he is no problem, I have a big head here. ”

Zhang Ke licked his lips, according to Li Yihua's performance appraisal system to implement, within the same system, the income gap between the same position will be very large, ten years later, it is better to say some, in ninety-six years will still cause a big impact, he smiled and said: "Uncle Tang, I helped you find someone, whether you need it or not, or the city decides to ......"

"You're so good at talking? I think it is not easy to absorb him into the preparatory committee first, it is not easy to set up a city commercial bank, everyone wants to stuff private goods into it, Jincheng also submitted a letter of intent to visit, Zhou Fuming's meaning, since Shengxin has participated in the shares, there is no reason not to accept Jincheng. ”

"There is no problem, the promises made by Kumho, Haiyu and Shengxin, Jincheng must be able to accept it." Zhang Ke pursed his lips, indifferent attitude.

In the ninety-fifth year of the state, the state urged all localities to set up city commercial banks on the basis of urban credit cooperatives and allowed private capital to participate in shares, but there were strict restrictions on the loans of shareholders from urban commercial banks (this restriction was not well implemented), and Kumho, Haiyu and Shengxin all made a commitment that their enterprises would not borrow from city commercial banks. Zhang Ke wanted to use the city commercial bank as an important tool for the development and cohesion of Haizhou's private capital forces, and did not regard the city commercial bank as a direct financing tool (the scale of the city commercial bank at this time was not enough to provide enough financing for the development of Kumho's enterprises), Zhang Ke wanted Zhao Jinrong to participate in the city commercial bank, on the one hand, the investment in the banking industry is quite profitable, and the second is that after participating in the city commercial bank, it can be convenient for financing, so as to put an end to his financing convenience and see how much enthusiasm he still has left.

"This matter still has to be, each has its own interpretation, and the preparatory team cannot force them to make commitments other than national regulations, but they can use this as an excuse to prevent Jincheng from sending people to the board of directors."

"That's fine." Zhang Ke smiled, "City commercial banks don't think that the capital is too much. ”

According to the preliminary evaluation, if the loss of the non-performing assets of the Haizhou Urban Credit Cooperative is to be accrued, the total capital of the core capital and subsidiary capital of the credit union is negative, that is to say, the capital adequacy ratio of the credit cooperative is negative, and the net assets are negative. Disposal of non-performing assets), the average non-performing loan ratio of urban commercial banks in the country is above 30%, except for the resources of business outlets and channels to enter the banking industry, it is better to go bankrupt directly.

At present, one of the focuses of attention is that since the long-term non-performing assets of urban credit cooperatives cannot be divested, how much discount should be given before being included in urban commercial banks? No one will pay for non-performing assets completely, Kumho, Haiyu, and Shengxin are like this, even if they want to enter Jincheng.

Zhang Ke optimistically estimates that after the loss of more than 200 million non-performing assets of the city credit union, its capital adequacy ratio is very likely to be cleared (most of the city will not pay for the loss of the city association, this is the bottom limit of the city, and anyone with a discerning eye can see that it can only be fought for other conditions), and the injection of 100 million yuan of capital can barely make the capital adequacy rate of the city commercial bank reach 8%, and more adequate capital will undoubtedly promote the more rapid development of the city commercial bank.

"Striving for the city commercial bank to be listed before the end of spring tomorrow can be regarded as a completion of a heartfelt matter."

"It's best to be listed this year in advance." Zhang Ke said.

"Kumho doesn't rely on the funds of the city commercial bank, is there any new idea for going to the provincial capital this time?" Tang Xueqian glanced back at Zhang Ke, "I heard Tang Jing say, you went to the provincial capital this time to meet with Liu Zhijun, Secretary Tao Jin's secretary?" ”

"Well," Zhang Ke nodded and said, "I also met with Ye Zhenmin the next day, they praised Haizhou's economic development, and had some good words, do you want me to repeat it to you?" ”

"Hehe," Tang Xueqian smiled, some of the words Liu Zhijun said can represent Tao Jin, as long as Tao Jin is satisfied with the current situation in Haizhou City, there will not be too much crisis, "I won't just talk about this, let's talk about your new ideas." ”

"Ye Zhenmin's article, it will be published in two days, Uncle Tang, aren't you already reading it?"

"I'm watching, this time I enjoy super-level treatment, this article is thrown, it will set off some waves." Tang Xueqian asked, "Are you discussing this?" ”

Ye Zhenmin is one of the important decision-makers in China on trade with East Asian countries, and his sudden opposition to the mainstream of thought is destined to cause some waves, even if it is published in the internal reference. After discussing it in the Ye family's old house, Ye Zhenmin quickly wrote an article and passed the manuscript to Zhang Ke to read first, Zhang Ke naturally no longer pointed fingers at what to say, transferred the manuscript at hand to Tang Xueqian, and reminded Ye Zhenmin to remember to pass a copy to Tao Jin.

"We are not very optimistic about the economic situation of East Asian countries in the next few years," Zhang Ke said, "but the economic turmoil in East Asian countries is a good opportunity for China." ”

"How?" Tang Xueqian just read the article, but he hasn't read it through yet.

"The financial turmoil caused by the defects in the financial system of Southeast Asian countries can easily affect the manufacturing industry, and if industrial capital has the ability to have foresight, it should gradually withdraw from these countries and regions in order to be safe; These countries and regions are aware of the financial risks, and the correct approach is to take measures to drive speculative capital out of the country gradually, which will inevitably increase the pressure on the survival of industrial capital in these countries and regions, and the outflow of industrial capital from these countries and regions is inevitable; If it is not properly handled, the financial crisis will accelerate the escape of industrial capital, and the domestic market of 1.2 billion people is undoubtedly an excellent safe haven for industrial capital, from the perspective of the international environment, I think that in the next few years, it should be a good opportunity for domestic development to attract investment and develop manufacturing. In the past 30 years, with the rise of Hong Kong, Chinese businessmen in Southeast Asia have naturally formed a circle of influence of Chinese businessmen centered on Hong Kong, more than 10 years of reform and opening up, Chinese business capital has spread to the mainland, and tomorrow Hong Kong will return to the mainland, the market development of the mainland's population of 1.2 billion, coupled with the economic instability of Southeast Asia, will catalyze this diffusion process, I think we Haizhou can make some more active preparations, and run the city commercial bank well in advance, which is just one of the ......"