"Mr. Zhou!"

"Mr. Zhou?"

"Mr. Zhou......"

The speaker who suddenly appeared was Zhou Shuo, and not everyone had the courage to confront Ma Boyan head-on. If Zhou Shuo doesn't come forward, I'm afraid that only Zhou Xinxin is qualified to wrestle with him in the embroidery mall.

But for the scheming Zhou Xinxin, how could it be possible to offend an executive deputy mayor when the situation was not obvious?

In this top circle of the business community in Xiucheng, some people are surprised, some people are confused, and some people are thoughtful. But it is undeniable that Zhou Shuo's appearance here means that the Panhan Group has officially carried the banner of confrontation with Ma Boyan.

In China, where there has been a tradition of people not fighting with officials since ancient times, it is really a bit shocking for a businessman to do such a thing.

Ma Boyan sneered: "Private capital is profit-seeking, and the introduction of private capital in such an important field as the banking industry is not irresponsible to the people and business environment of Xiucheng?" As long as I am on any day, I will never allow greedy capitalists to reach into the pockets of the people! ”

"Mayor Ma said that private capital is mercenary, so I would like to ask-" Zhou Shuo looked at Ma Boyan with a stern face and asked: "How can we explain the insatiable greed of the municipal government and state-owned enterprises for the Xiucheng Credit Cooperative?" ”

The insolvency of the Xiucheng City Credit Cooperatives has long been well known, and many municipal projects of the city government in the past few years have been directly funded by the credit cooperatives. If state-owned enterprises cannot pay salaries, they also take loans directly from credit cooperatives.

As the so-called Jinqiao Yinlu grass building, the development of Sunshine Real Estate is inseparable from the support of several large municipal construction projects. However, the economic situation of the Xiucheng city government in the past few years was not optimistic, and it had to pay for infrastructure construction. There is a large part of the loans that go to the city credit unions.

Nowadays, the biggest problem in the work of Xiucheng Credit Cooperatives is the bad debts and bad debts caused by these governments. The total number of billions of holes is the biggest obstacle to restructuring.

Although Xiucheng has developed rapidly in the past two years, there are also more places to spend money. Of course, it is important for the city credit union to be transformed into a city commercial bank. But there are not necessarily more important things than that. What's more, if the government finance is used to plug the holes of the credit unions, this budget is not only unknown, but also impossible to keep accounts.

You must know that if you really want the city finance to take this money, someone must first explain where the money is going. And then should we investigate the wrong decision at the beginning and deal with the person responsible? Do you want to review the follow-up payments, or simply resolutely recover these bad debts? How much pressure will this put on the finances of state-owned enterprises, which are already in danger?

Taken together, the bottom line of the city's restructuring of the city's credit cooperatives is that no more money can be invested in them. It is for this reason that the introduction of private capital is on the agenda. But Mr. Ma's opinion is inclined to ignore these accounts. Wipe it out directly with administrative force.

Jiang Daqiao and He Xi's opinion is to introduce private capital to settle these accounts. If administrative force is used to interfere in economic behavior, it will be a great blow to the credibility of the city's commercial banks. If the arrears can be smoothed out by administrative power today, will the city government be able to use the city commercial banks as an inexhaustible ATM tomorrow?

Although Jiang Daqiao is about to leave office, what he said touched many people. The government must always be in awe of the laws of the economy, otherwise the market will revert to the era of the planned economy.

Ma Boyan was a little embarrassed by Zhou Shuo's rhetorical question, he not only knew the bad debts of the city credit union, but also many of them were created by him. Now that he has been picked out by Zhou Shuo in public, it is good to be ashamed and angry without being angry.

"First of all, whether it is a municipal project or a state-owned enterprise. These are the country's industries, and they can be regarded as taken from the people and used by the people! ”

"Of course, now this model is not advocated by the state, so there is a restructuring of credit cooperatives to banks. It is precisely the shortcomings of the credit union system that the government sees. Only then did we actively carry out reforms. Ma Boyan said: "As long as a modern banking system is built, of course, the problem of non-standardization can be eliminated." In this regard, Zhou's niece is a professional who has returned from the UK, so she must know more deeply, right? ”

Ma Boyan glanced at Zhou Jiajia out of the corner of his eye. Hehe smiled, obviously thinking about this question for a long time. It seems that the winning position is in hand.

"Yes, the modern banking system is very rigorous." Zhou Jiajia nodded. "The banking industry has its own criteria for the selection of loan recipients. If you can follow this principle to develop your business, you can indeed greatly avoid the problem of bad debts. ”

There is a whole set of calculations for the reliability of the bank's loan object, and it can be said that a mature commercial banking system is based on the prudent use of loans. Bank loans have been criticized for giving umbrellas on sunny days and collecting umbrellas on rainy days, which is also a manifestation of this kind of risk seeking benefits and avoiding disadvantages. The banking industry is definitely stricter than any other industry.

"Mr. Zhou, you see, there is a long way to go in system construction." Ma Boyan said with a sigh: "As long as the credit union is transformed into a commercial bank system, what you said is not a problem at all. ”

"No, it's useless to just reform the system."

Zhou Jiajia did not wait for Ma Boyan to finish speaking, and reversed his conclusion: "There are many cases of foreign bank bankruptcy, and the system is always implemented by people. The government can regulate the operation of the economy through the role of its central bank, but the operation of commercial banks does not completely exclude private capital. ”

After she finished speaking, all the businessmen present couldn't help but nod. If someone in a company is responsible for charging, there must be someone who is responsible for applying the brakes, which is a well-known thing in business. No matter how well the rules and regulations are formulated, they also need a mature organization to implement them. The success of an enterprise often lies in the strength of the implementation of rules and regulations.

Who would believe that the original team of the city credit union changed its name and copied a set of rules, so it became reliable and different?

Ma Boyan frowned deeply, turned his head to look at Zhou Jiajia and said bitterly: "Niece Zhou, your thinking is very dangerous!" If you know that China has China's national conditions, how can you simply use foreign experience to set it up? ”

He waved his hand magnificently and rebuked Fang Xuan: "China's bank, it won't go bankrupt!" ”

Zhou Jiajia shook her head lightly and whispered: "How can there be a bank that will not go bankrupt?" ”

"Hehe, there really is a bank that won't go bankrupt." Zhou Shuo took over the topic, pouted and sneered: "The credibility of the city commercial bank is provided by the government, and if there is really a danger of bankruptcy, it is also saved by the city's finances." ”

"Then your private capital is Lei Feng?" Ma Boyan snorted coldly: "After all, don't you want to get a loan from the newly established city commercial bank more easily? If you change your Fanhan Group to do this village, will you be able to implement the system perfectly? ”

Ma Boyan lives by himself, and the banking industry is undoubtedly a profitable thing. If private capital invests in the stock market commercial bank, if they occupy a dominant equity, is it not like themselves to lose depositors to enrich their own wallets? If that's all there is to it, capital has a profit instinct, and no one is willing to invest in a business that is not profitable. But if the bank is part of a consortium, it is no longer a top priority to make a profit.

The development of the consortium is the mission of the bank.

"Our Fanhan Group is really capable!" Zhou Shuo said with a stern face: "To be honest, how big can the plate of the city trading house be?" Seven or eight hundred million yuan, this is probably the limit of the funds that can be used at present, right? If Fanhan Group wants to take out a loan, it really can't look down on this little money. ”

"I know that Mr. Zhou's Fanhan Group has a lot of money, but other shareholders may not think so?" Ma Boyan said confidently: "Allowing private capital to use its status as a shareholder to arbitrage loans is even more dangerous than government-guaranteed loans. ”

Zhou Shuo pursed his lips and looked around, this circle around Zhou Xinxin gathered most of the successful businessmen in Xiucheng. No matter how good the Panhan Group is, it still needs "three helpers" after all.

Trying his best to win over allies in the business community of Xiucheng was originally his set task today.

"Seniors in the business world, I, Zhou Shuo, am still a junior in terms of age. But I would like to say something to say today, we are bound to win the position of shareholders of this commercial bank in this city! ”

He slowly swept his gaze from the faces of everyone present, and said in a deep voice: "For this reason, we can guarantee that we will never borrow a penny from the city commercial bank after its establishment!" ”

As soon as Zhou Shuo's words came out, everyone present was moved. There is no doubt about the economic influence of Xiucheng Commercial Bank, and local enterprises such as them must be the first choice for loans from commercial banks in Xiucheng. If the financing channels of the municipal commercial banks are unstable, the interests of these businessmen will definitely be the first to suffer.

As Ma Boyan said before, although it is unreliable for the city government to continue to control the city commercial banks, it is at least a not too bad choice, and the government still has to face after all if there is no lower limit. And if private individuals are allowed to control the city commercial banks, how can they be restrained from becoming some people's ATMs? This problem is almost the biggest obstacle to the entry of private capital into urban commercial banks.

And this biggest problem was so easily solved by Zhou Shuo! Under normal circumstances, commercial banks should not have provided credit to shareholders in the first place, and mortgage loans should not be on more favorable terms than others. However, the domestic government has controlled the enterprise for so many years, but it has become the norm for shareholders to obtain credit loans from credit unions.

Zhou Shuo's words can be described as a person who breaks his dreams, yes, no desire is just, shareholders don't take loans in the bank, who can worry about private shareholders filling their pockets?

"So what? My uncle said he wouldn't let you in, so you didn't want to come in. An angry cold snort suddenly sounded, and Ma Zhaomin suddenly came out of nowhere. (To be continued......)