Lu Zheng came with Wu Guiyong, president of the Agricultural Bank of China, went to the bathroom to wash his hands, and when he returned to the room, he saw Wu Guiyong looking at the juice carton in his hand over and over again, looking very interested.

The juice is produced by a beverage factory in Wushan, and the packaging is colorful, Lu Zheng sat down and asked with a smile: "What are you studying?" ”

Wu Guiyong smiled and said: "I'm sighing, now the advertisement, it's really pervasive, ICBC has made the advertising on the wrapping paper, you see ......" As he spoke, he handed the juice carton to Lu Zheng.

Lu Zheng took a look, but it was an advertisement for prize savings made by the Wushan Branch of the Industrial and Commercial Bank of China, which was printed with the slogan "Actively saving to support the four modernizations, and the merit is in the country's benefit".

Nowadays, there are more than 5 types of savings: current savings, regular savings, value-preserving savings, prize savings, and special savings, but the most popular is prize savings.

In other places, many units will automatically deduct 10 yuan and 20 yuan when they pay wages as a deposit for prize savings.

Osan has abolished this practice of cooperating with banks and giving large savings to employees of units, and as a result, the competition among banks to solicit deposits has become more and more intense.

In Wushan, there is a prize savings bill of 20 yuan, year-end lottery, the prizes are refrigerators, televisions, radios, etc., in the early years, some 10,000 households bought a book, now Wushan's economic development is relatively fast, people gradually have the concept of investment, but for ordinary citizens, prize savings is still the most important investment channel.

Lu Zheng looked at the advertisement on the juice carton and said with a smile: "ICBC has capable people." ”

Wu Guiyong knows that Lu Zheng hopes that the function of bank savings will reflect the preservation of value, and in the publication "Special Zone Finance" sponsored by the Municipal Finance Bureau, Lu Zheng pointed out that in the early days of liberation and the early stage of reform and opening up, prize savings did play a certain positive role in tapping potential funds, increasing savings deposits, and expanding credit funds, but some problems also appeared in the process of prize savings in the process of its start-up. According to the statutory deposit interest rate published by the People's Bank of China, every depositor should receive his or her legal interest. It is obviously unfair for prize savings to concentrate the interest of the majority of depositors on a small number of winning depositors.

At this time, the waiter brought rice, and several home-cooked side dishes on the table were very exquisite, which was the dish to accompany the meal.

Lu Zheng said: "Drink some?" ”

"Okay, don't delay your evening work, right?" Wu Guiyong said with a smile, he just had this meaning, to say that it was not easy to eat alone with Lu Zheng, if he didn't drink a few glasses, he couldn't show his closeness.

Lu Zheng smiled: "I'm not a workaholic. ”

Wu Guiyong smiled, he has been sitting in the position of president of the Wushan branch of the Agricultural Bank for three or four years, and he may move when there is a rumor recently, this news makes him very upset, Wushan is developing very fast, and the weight of the Wushan branch of the Agricultural Bank is far from being comparable to that of other regional branches, and he is unwilling to transfer him to the provincial bank

The Wushan Municipal Party Committee and the Municipal Government suddenly wanted to set up a commercial joint-stock bank, and they needed to divest the rural credit cooperatives that were originally under the management of the Agricultural Bank of China, so they needed the cooperation of the Municipal Agricultural Bank.

Wu Guiyong was even more enthusiastic than Lu Zheng in this preparatory group, and actively won the position of deputy head of the preparatory group.

"I have the honor to read Chairman Lu's article in the "Special Economic Zone Finance and Economics", and I am deeply touched." After taking a sip of wine, Wu Guiyong said: "It is deafening and refreshing, and Chairman Lu's knowledge in finance is admirable." ”

"Special Zone Finance" was founded last year, sponsored by the Municipal Finance Bureau, mainly financial and accounting articles, including all kinds of accounting title examination information, accounting certificate annual examination and accounting personnel follow-up education regulations, notices, etc., the column mainly has: "Selected Regulations", "Doctor Salon", "Examination Window", "Practical Operation", "Reference Reference" and other columns, for the monthly magazine, 12 issues a year, mainly the counties and districts of the Finance Bureau, the Accounting Society branches, the Municipal Note Association, the Municipal Financial Training Center, the administrative institutions, Designated subscriptions for each company, etc.

Hearing Wu Guiyong mention "Special Zone Finance and Economics", Lu Zheng smiled and said: "This publication bureau is preparing to revise the edition, and I will ask President Wu for guidance at that time."

"Oh? Revision? Wu Guiyong smiled, "Chairman Lu is determined to forge ahead, and there is a new concept in running a magazine?" ”

Lu Zheng said: "Our financial magazine in the Special Administrative Region should not only serve the accounting of the Special Administrative Region, I think so, we should make this publication a magazine that can be understood by businessmen and ordinary people in the Special Administrative Region, our economy is in transition, what changes will various reform measures bring to all aspects of the lives of ordinary citizens?" How should ordinary citizens invest? I think we should all have guidance. ”

"We carry out all kinds of private ownership reforms, under the conditions of economic take-off, some laws are traceable in capitalist countries, such as the most important real estate in our Confucian society, taking Hong Kong as an example, with the economic take-off, real estate from 8l years, rising for 13 consecutive years, because of the impact of Hong Kong's return to the negotiations, there was a short downturn after the year, but since the beginning of the previous year, it is a trend of big rise, our mainland has a large population and less land in the prosperous big cities, if once the real estate privatization reform is carried out, then, probably will also follow this law, Even, because we are a socialist country restructuring, this law will be distorted and unreasonable, and in particular, if we follow the current line of land finance taken by the Southern Special Economic Zone, this unreasonable stimulus will be aggravated. ”

As he spoke, Lu Zheng took a sip of tea and said, "If this situation occurs, then who is the biggest beneficiary?" Of course, people who are well-informed and have a certain understanding of private ownership society, they will know the impact of a certain policy on this society, and they will know when to invest in which field, and most of these people are those who have become rich now. In this way, in one reform after another, because of the asymmetry of information, the wealth of ordinary citizens will be plundered by the wealthy class again and again. ”

"What I hope now is that the revised publication is not only a publication for people in the economic circles, but also a good adviser to the public, and can explain to the citizens in simple terms, so that they can understand some objective laws in the development process of private ownership, and provide them with a kind of reciprocal information."

As he spoke, Lu Zheng sighed softly again and said, "I hope this publication can be the same as what I said." ”

Originally, Wu Guiyong felt that the publications in Lu Zheng's bureau had to be intervened, and the management was really wide enough, but after listening to Lu Zheng's words, he couldn't help but feel slightly embarrassed, it seems that Lu Zheng's articles in the magazine really didn't look for gunmen. It seems that the organization appoints him as the chief financial officer, although the issue considered by the financial officer is a little distant, but listening to this fist, it can't help but make people feel worried, Wu Guiyong picked up the wine glass, and said: "Today, my old Wu is convinced, Chairman Lu's words make me sigh to myself, this glass of wine, I wish Chairman Lu all his wishes come true."

Lu Zheng shook his head and said, "It's easy to say that everything you want to come true, and if you can do one or two things, it's a good thing." However, Xiexie Wu Governor Ji Yan. Raise your glass and clink glasses with Wu Guiyong.

Next, the two talked about the preparations for the commercial bank, but Lu Zheng said with a smile: "I think so, let's divide into two ways, one is responsible for going to Beijing to get approval, and the other is to calculate the accounts of the rural credit cooperatives as soon as possible, and at the same time start the savings and hedging business in the name of the United Credit Cooperative." Special affairs, we want to maximize efficiency. ”

Wu Guiyong said in his heart that sure enough, he had thought of it a long time ago, and the municipal party committee and municipal government must be ready to cut first and then play, and in the investigation and approval of the People's Bank of China, the framework of the new bank will be pulled up. However, at present, for reform plans that are in line with the spirit of the central documents, it is often common for special zone cities and coastal open cities to cut first and then play, and this is not a big deal.

Lu Zheng and Wu Guiyong both looked as usual when they came out of the room, and no one could see that the two of them looked like they had drunk a pound of more than 50 degrees of liquor each, and the waiter was beside him, these two were really massive.

Walking to the elevator room, Lu Zheng was slightly stunned, but saw a fat outrageous big fat man smoking one after another, it was Boss Wang, there was a bunch of cigarette butts on the top of the trash can, it seemed that he had been here for a while.

Hearing the footsteps, Boss Wang raised his head, smiled and took two steps to this side, and then saw that there were others beside Lu Zheng, he hesitated and stopped again.

Seeing this, Wu Guiyong smiled and said to Lu Zheng: "You are busy with yours, we will see you tomorrow." ”

Lu Zheng was not easy to explain, nodded slightly, and watched Wu Guiyong enter the elevator room.

Boss Wang came over with a smile and said, "Leader, let's take a step to speak?" ”

Lu Zheng nodded slightly, although he had a bad impression of him, but after waiting for himself for a long time, he still had to be given the opportunity to speak.

When Boss Wang saw Lu Zheng's answer, he immediately smiled, hurriedly led the way, and took Lu Zheng to the room booked by Boss Zhao, but at this time, the room was empty, and on the table, only the leftovers were cold, but in fact, the table was full of dishes, but it seemed that it had not been touched at all.

Lu Zheng said with a smile: "Lao Wang, you have a lot of pomp. ”

Boss Wang was taken aback and hurriedly explained: "You misunderstood, you really have something in your heart, you don't have the heart to eat, and I didn't order this table." I'm notoriously thrifty, and with this money, it's not good for me to sponsor children in mountainous areas to study? Besides, I've been funding office supplies for a primary school in Qinglong......"

Lu Zheng nodded and sat down.

Boss Wang couldn't see Lu Zheng's joy and anger, and secretly scolded Lao Zhao in his heart, I'm really going to kill me today, you bastard

Just now, when Boss Wang returned to the room from the bathroom, he drove Lao Zhao away, and said that Guan Jie's debt of 30,000 yuan owed to him would be repaid by his Lao Wang.

The old Zhao Zhanger monk was confused, but he didn't dare to be very serious with Boss Wang, so he had to go.

Guan Jie Zuihou didn't go to the appointment, thinking that these creditors had bad intentions, so she avoided it.

Boss Wang pondered for a long time, then went down to the lobby to call Guan Jie, but Guan Jie answered the phone, and Boss Wang said on the phone, Lao Wan owed me money before, even if we pay it twice, I will send you the IOU tomorrow, and the debt of Lao Zhao of the candy factory, I will also help you pay it back.

Guan Jie said coldly that she didn't need to, she would find a way, and hung up the phone immediately.

Boss Wang knew that she must have misunderstood herself, and felt that she was uneasy and kind, and her debts would be forgiven, what else could she think?