readx; Farmers' Mutual Fund Cooperative!

An Xiaobin's approach is simple: to allow private capital to form microfinance institutions similar to rural credit cooperatives. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 Moreover, according to the current laws and relevant policies and regulations, "Rural Mutual Fund Cooperatives" and "Farmers' Mutual Fund Cooperatives" can legally be exempt from the supervision of the CBRC with only one word difference.

Several major banks and even rural credit cooperatives are now refusing to lend money to small and medium-sized enterprises, and they have lost the proper meaning of marketization, and they are not like the products of complete marketization, let alone supporting small and medium-sized enterprises, and have become financial institutions that are completely profit-oriented.

It is better to block than to sparse, and private financial lending near the water has reached the point where it is almost out of control. If you don't pay attention to it, sooner or later it will affect the development of the Linshui economy and social stability, Zhou Yi pondered for a moment, suddenly stood up, gritted his teeth and said: "A hundred large enterprises may only have one untrustworthy, and ninety-nine out of a hundred small and medium-sized enterprises may not keep their promises, but maybe these 99 small and medium-sized enterprises have lost money to the bank, and the sum is not as good as that large enterprise!"

Besides, if the national bank is reluctant to lend to small and medium-sized enterprises, there will naturally be people who will, so why doesn't the state relax the regulation of the financial market and let those private banks rise? Don't let the 'underground bank' come out and see the light, are you unwilling to lend money to others, and you don't allow others to borrow, what kind of truth is this?

Secretary Tian, I think Mr. An's thinking is right. The big deal is to set up a regulatory body under the Rural Work Office of the Municipal Party Committee to supervise the operation of farmers' fund cooperatives or mutual aid cooperatives like the CBRC. ”

Robbing business with a state-owned bank is not a trivial matter, Tian Wenjian pondered for a moment, still stared at An Xiaobin's eyes, and asked suspiciously: "Anzi, whether the legal surname can withstand scrutiny is particularly important for the current Linshui." I don't want to break the law, so don't fool me. ”

I came all the way back to take advantage of a loophole and put a satellite for my family to see. An Xiaobin was anxious, pointed to the stack of documents on the coffee table, and swore solemnly: "At present, the rural private financial institutions in China are roughly divided into three categories: first, mutual aid cooperatives approved by the CBRC, which are managed and supervised by the CBRC; The second category is the responsibility of the corresponding poverty alleviation office and the Ministry of Finance.

And I'm talking about the third category - self-organized mutual aid societies. There is indeed a lack of supervision, which basically belongs to the kind of 'people do not sue and officials do not prosecute'. Besides, it's not that there is no precedent, it's just that some local governments can't come up with a set of effective regulatory measures, and they are afraid of setting themselves on fire, so they haven't developed in the end. ”

The so-called "self-organized mutual aid cooperatives" are no different from regular banks except for a brand, and they can absorb savings and lend money, and if they can really develop, they can definitely play a certain role in promoting the development of small and medium-sized enterprises.

However, although the banking industry is a profitable industry, it also has great risks. Even the profits of the state-owned banks are based on the stripping of dead debts and bad debts of the four major non-performing asset disposal companies. If something really goes wrong, won't those people who have lost their money smash the municipal party committee and municipal axe?

Tian Wenjian really couldn't make up his mind for a while, and after thinking about it, he stood up, took out his mobile phone and dialed Professor Chen, executive deputy director of the Institute of Rural Finance of Chinese University, known as the "father of China's microcredit."

Professor Chen's reply was very simple, first describing such organizations as "informal forms of farmers' mutual finance". Informal is not illegal, it refers to not being included in the formal regulatory system of the CBRC, but it is reasonable and legal.

At the same time, it is also pointed out that it is a useful supplement to commercial financial institutions, and if supervision is in place, it will effectively meet the capital needs of vulnerable groups in society. The government should carry out "non-prudential supervision" and actively regulate and guide this kind of private lending. Neither can it be completely laissez-faire, nor can it be overly restrictive.

Looking at Tian Wenjian's relieved look, An Xiaobin was happy, lit a cigarette, and said with a fluttering eyebrow: "Brother, if you can't even trust me, then who else can you trust?" As for the risks, they are inevitable. The banking industry, as a business that operates money, inherently prescribes the nature of its risks. For banks, risk and profit are inseparable from each other as the positive and negative sides of the same coin.

Overemphasizing either side will hinder the development of the banking industry. Only by fully grasping the characteristics of risk in bank operation, combining risk management, risk management and risk prevention, and finding an effective balance between the positive and negative coins, can we receive the best results of profit growth and risk prevention, and can we seek long-term development in the dynamic dislocation of risk and profit. ”

This kid has gained experience in collecting debts for Bank of America. Secretary Tian sighed secretly and couldn't help but quip: "Brother, since it is a farmer's mutual fund cooperative, then the main body must be a farmer, what is it that you, an overseas Chinese, are involved?" I don't want people to accuse me of using my power for personal gain. ”

After putting so much effort into it, in the end, he didn't have anything to do with himself, An Xiaobin was not so easy to speak, and immediately pointed at his nose and scolded with a smile: "The surname is Tian, do you want to cross the river and tear down the bridge?" Let me tell you, buddy, I'm here prepared. In order to open the bank as soon as possible, I also brought back a private equity fund. After this village, there is no such shop, you have to figure it out. ”

Fund? What Linshui lacks most now is funds.

Zhou Yi's eyes were green, and without waiting for Tian Wenjian to speak, he asked impatiently: "Mr. An, how much is your private equity fund?" ”

An Xiaobin sat down, crossed Erlang's legs, and smiled proudly: "It's not much, it's just more than 300 million US dollars." If you don't like it, then I'll have to toss it in another place. ”

"Anzi, where did you get so much money?" Tian Wenjian was stunned by this number, with an incredible expression on his face.

"It's said it's a private equity fund, why do you ask so much?"

An Xiaobin was impatient, gave him a roll of his eyes, and said angrily: "If you let me do it, if you let me do it, I can also ask industry experts to help you tailor a relatively complete set of supervision plans for free, which is definitely more effective than the CBRC's set to ensure that the risk can be minimized." ”

In fact, the problem of private financial lending has made Tian Wenjian very troubled. Seeing that the Chinese New Year is approaching, if it is not regulated, the tragedies of previous years who were forced to ruin their families by loan sharks are likely to repeat themselves. The financing channels of underground banks have undergone a fundamental change, from the previous high-interest savings to the current POS machine circulation and use industry chain.

Banks and credit card institutions have become a source of money for "underground banks", but they have turned a blind eye to this. The ambitious Secretary Tian Da was helpless, and could only watch the usury intensify.

If we liberalize the financial system a little, set up more non-governmental banking financial institutions, and operate in accordance with the banking system, we will indeed be able to solve the problem of usury and the problem of financing difficulties for small and medium-sized enterprises. Of course, this does not mean that usury can be eliminated, after all, it has a very strong market and historical roots.

After all, this is a product of the market economy, and even developed countries and regions such as South Korea and Hong Kong, not to mention China, where the financial industry is not yet developed, cannot be eliminated. Where there is poverty, where there is failure, where there is helplessness, where there is usury, the difference is only in the common surname and the consequences.

Finance is a very complex issue, and all elements that affect the economy are mutually restrictive and constrained, and maintaining equilibrium is the ultimate goal. Don't expect to eliminate this problem by creating a mechanism, that will only push the problem from one side to another, a new problem will appear waiting for you, only guidance and control is the best way!

Thinking of this, Tian Wenjian nodded slightly, and said with a smile: "It seems that this can only be the case, Mayor Zhou, the God of Wealth will be handed over to you, I hope you can cooperate happily." However, there is a sentence that must be said in the front, don't give him any preferential policies and treatment just because I have something to do with him. ”

Zhou Yi was stunned, and then reacted, and immediately laughed and said: "Opening a bank is a profitable business, the interest rate difference is so big, it is difficult to make money or not, I don't think Mr. An will embarrass me." ”

Although An Xiaobin never thought of enjoying any super-national treatment, he still pointed at the two of them and shook his head and scolded with a smile: "A raccoon dog on a hill, a raccoon dog on a hill, are the masters of crossing the river and demolishing the bridge!" If I had known that, I wouldn't have come. ”

Secretary Tian didn't want to quarrel with him, but asked with interest: "By the way, brother, have you thought of the name of the copycat bank?" Do you plan to apply for a passbook or bank card like a regular bank? ”

"Linshui City Credit Cooperative, how is it, it's atmospheric enough, right? As for passbooks and bank cards, of course, I am also going to build some ATMs and join forces with other farmers' mutual fund cooperatives to establish a financial network covering the whole waterfront. ”

It's really a copycat, and the word "farmer" was omitted, and I thought it was a rural credit cooperative. Secretary Tian Da was made ridiculous, and couldn't help but smile and asked: "Aren't you afraid that people will sue you for infringement?" ”

An Xiaobin's face was straight, and he said disdainfully: "What's there to be afraid of, it's not the first time I've been a defendant, it's a big deal to change my name, just do a free advertisement." ”

Zhou Yi was completely dumbfounded, and couldn't help asking, "An ...... Quiet...... Mr. Ahn, do you often get taken to court? ”

"Not very often, maybe fifty or sixty times a year. But it's all my lawyer in court, and it doesn't have much to do with me. ”

There are strange things every year, and this year is especially numerous. Just came the secretary of the municipal party committee who turned Linshui upside down, and now there is a fake foreign devil rich man who is accused of being addicted. It is by no means a glorious thing for the defendant to go to court in China, and Zhou Yi suddenly regretted his decision just now, and couldn't help but retreat.

Looking at his hesitant look, Tian Wenjian realized what he was worried about, and immediately leaned into his ear and whispered: "Although Anzi's speech is a little out of tune, he can be regarded as a patriotic overseas Chinese who cares about the motherland. ”

Seeing that Zhou Yi doubted his own personality, Young Master An was not happy, stood up suddenly, and said coldly: "Mayor Zhou, if you have any doubts about my personality, you can ask Secretary Wang of your provincial party committee for verification." The reason why I came to Linshui was to give my brother face. If you really want to make as much money as you want, you don't need to be so troublesome. ”

Secretary Wang of the Provincial Party Committee, like Zhao Zhengdong, belongs to the same family as the An family, and they are both feudal officials who were reused by the former prime minister. Tian Wenjian has long known this. If it weren't for the social security merger, it would not have been possible to go so smoothly, and Secretary Wang would not have said that he would have time to take him to meet the old man who had only served as prime minister for one term.

Now that An Zi has made his words clear, Tian Wenjian simply said straight to the point: "Lao Zhou, Mr. An is the grandson of An Lao of the Central Advisory Committee, the third generation of red who is fake, and he takes the lead in setting up a farmer mutual fund cooperative, what else do we have to worry about?" ”

Feelings are tide files! Zhou Yi reacted at this time, and hurriedly stretched out his hands, with a flattered expression, and said eagerly: "Disrespectful, disrespectful, Zhou Yi has eyes and doesn't know Mount Tai, and I hope Mr. An doesn't go to his heart." ”

Young Master An is still remarkable, shook Zhou Yi's hand vigorously, and said meaningfully: "Mayor Zhou, Wen Jian said these words to you, which proves that he doesn't treat you as an outsider." Since they are not outsiders, there is no need to be so polite. Just like him, just call me Anzi, Mr. An, Mr. An's sound awkward. ”

I have to admit that An Xiaobin came at the right time, throwing away the regulation of private financial lending, his identity alone is a strong support for Tian Wenjian. You must know that Zhou Yi has been under great pressure, for fear that he will accidentally fall into disrepute. And An Xiaobin's arrival gave him confidence that Tian Wenjian couldn't give.

Zhou Yi, who had eaten a reassuring pill, expressed his resolute support for Secretary Tian Da's reform cause, which made Tian Wenjian a little unable to get off the stage.

After dinner, An Xiaobin, who was drunk, politely refused the offer to stay at the Municipal Party Committee Guest House, and returned to the youth community with Tian Wenjian to talk with the iron buddies who had been absent for more than half a year.

“…… In fact, before that, they were worried that you would follow the old road of the Xichuan pilot, implement villager autonomy, and engage in a people's congress representative studio or something. ”

Although Qiao Wei is the general backstage of Secretary Tianda, he pays much more attention than communication. After all, if you are not in your position, you will not seek political power, and as the deputy secretary of the provincial party committee of Donghai Province, it is not good to interfere too much in the internal affairs of Linhai Province. And the provincial situation is different, and he is thousands of miles away, and he can't give any advice on the construction surname.

At this moment, An Xiaobin has become the only channel for Tian Wenjian to understand the trends of the upper echelons. Seeing An Xiaobin stop talking and talking, Tian Wenjian pondered for a moment and said lightly: "It's not that I don't want to do it, but I don't have the foundation to do it." The vast majority of the laborers have gone out to do business and work, leaving only some old people and children left, and it will only be counterproductive to carry it out. ”

An Xiaobin nodded slightly, and said thoughtfully: "Yes, you can't do anything without a mass foundation, it seems that you have really put in a lot of effort." ”

"No diamonds, no porcelain work, no effort!"

Tian Wenjian sighed lightly, pointed to a stack of materials on the coffee table, and said solemnly: "In fact, in my opinion, the ideas of the three old professors on the reform four years ago are still very reasonable, very pragmatic, and very gentle. The reason why it was difficult to move an inch, and they were subjected to strong sniping after two months, was only because they were too impatient. ”

"And what's next for you?"

"Tinkering, what else can I do?"

Since the reform and opening up, the bottom line of the reform of the political system is that it will not endanger the ruling position. This bottom line dooms reform to be nothing more than a tinkering with the current system. And tinkering reforms are doomed to failure. This is the root cause of the reform of the political system over the past 20 years or so, "only the stairs are ringing, but no one is coming down."

How could An Xiaobin not hear the meaning of his words, and couldn't help but smile and ask: "Is this a reversal of history?" ”

"That's better than taking three steps back."

Tian Wenjian wouldn't be fooled by him, so he immediately changed the topic and said with a solemn face: "We don't care about those national affairs, and we can't manage them if we want to." How can you sweep the world if you don't sweep a house? There are so many things I have to do and can do for me now. It will not be easy to reduce the number of people who eat financial meals to half of the current level in 10 years, complete medical and educational reforms, and establish a relatively perfect social security system. ”

An Xiaobin pondered for a moment and said thoughtfully: "Judging from the current situation, it seems that it is not so difficult to streamline the administration, medical reform, and education reform, but the social security system does not seem to be so easy. If the tax-sharing system is not reformed and the fiscal transfer payments are not in place, even if you smash the pot and sell iron, it will not cover so many peasants. ”

"There is nothing difficult in the world, but I am afraid of those who have a heart."

Tian Wenjian raised his head, with a firm expression, and said categorically: "Linshui is different from Hulin, the private economy is particularly developed, as long as we can continue to support the real economy, and transfer farmers to industry as much as possible, the agricultural population will drop to about 10-15% in ten years, and at the same time gradually increase people's livelihood expenditures in education and medical care. ”

"Ten years of sharpening a sword, you have such patience."

An Xiaobin nodded heavily, and said with emotion: "Boss Wu didn't misread you, in fact, she helped bring the $300 million private equity fund." The fund return is not very demanding, and it should be able to help you solve some problems. ”

The brothers and sisters still did not sit idly by, Tian Wenjian was moved, and after thinking for a while, he said in a low voice: "The financing of small and medium-sized enterprises has been straightened out, which can play a vital role in the economic development of Linshui." But the preservation of the value of the social security fund is also very important, you have more experience than me in this regard, to see if there is any small risk, high rate of return hedging channels. ”

"How many?"

"More than 400 million, the coffin book of tens of thousands of waterfront workers."

If you want to preserve your value and don't want to take risks, how can there be such a good thing? After thinking about it, An Xiaobin shook his head and said with a wry smile: "I really can't think of any better way than to disperse and inject into the soon-to-be-established farmers' mutual fund cooperatives to get interest." ”

Tian Wenjian was extremely disappointed, and said with a depressed face: "What's the difference between that and putting it in the bank?" ”

"The difference? The difference is huge! ”

An Xiaobin's face was straight, and he said very seriously: "If private capital wants to compete with banks, it can only narrow the interest rate spread. This means that interest rates on loans are almost twice as high. Depositing into private financial institutions as a reserve not only solves the problem of financing difficulties for small and medium-sized enterprises, but also obtains more than twice the return of the bank. ”

"That's a good idea, but before that, we have to put in place a good regulatory system."

Looking at his cautious look, An Xiaobin was happy, and immediately laughed and said: "In fact, the risk is really not as big as you imagined, the village level is a 'society of acquaintances', and the financial risk is relatively small, while the township level needs to improve the mechanism and appropriately strengthen supervision." The political axe will support and broaden the sources of financing for cooperatives. In addition, if we improve the reporting system and the regular reporting system, there should be no problem. ”

(To be continued)