Zhou Shuo is only twenty-six or seventeen years old this year, and Ma Zhaomin is almost the same age. If it weren't for being born again, this age would be a time for a man to be in high spirits.

And Ma Bochang's son also has some pretentious capital. His uncle is a member of the Standing Committee of the Municipal Party Committee and executive vice mayor, his father is one of the top real estate businessmen in Xiucheng, and he himself is already the deputy head of the restructuring of the city commercial bank at the deputy section level at a young age.

Such an achievement can at least kill 99% of ordinary people of the same age. And Ma Zhaomin has always been the pride of the sky.

However, such pride seemed to be completely worthless in front of Zhou Shuo. If he had a more prominent family background or a better education, but his family was only a working family, and his education was only a college student, how could he achieve such an enviable and jealous achievement?

In front of him, it seemed that his own qiē was insignificant.

Especially when Ma Zhaomin saw Zhou Jiajia standing beside him, singing and harmonizing with him to block Ma Boyan, the anger in his heart was even more out of control.

I can't say when it started, and suddenly there were more names in his world. Relatives and elders are talking about this "Zhou Shuo", friends and colleagues around are talking about this "Zhou Shuo", and even passers-by and newspapers are constantly talking about "Zhou Shuo......

This name, like the legendary "other people's child", became a lingering nightmare in his heart.

When he knew that the man standing next to Zhou Jiajia was the "Zhou Shuo", he subconsciously decided that it was this bastard who was seducing his "fiancée".

Such a realization. He couldn't help but stand up and reprimand Zhou Shuolai loudly.

"I don't see who you are, just a businessman. Want to get involved in an industry like banking? I don't know if I'm alive or dead! ”

After Ma Zhaomin said this, it was not only Zhou Shuo. Almost everyone was looking at him like idiots. Even Ma Boyan only criticized the danger of private capital controlling banks in the system, but did not dare to directly discriminate against the identity of businessmen.

After the reform and opening up, such remarks that obviously took out the identity of a businessman to talk about things were almost a confrontation with the spirit of the central government. Ma Boyan didn't dare to say this, Ma Bochang couldn't say this, and only a pretentious Yanai like Ma Zhaomin would take it for granted.

"Hmph, you seem to have forgotten that Sunshine Real Estate is the Ma family's property, right?" There were disgruntled businessmen who stood up on the spot and shouted and asked.

"Our family is businessmen. Just make money honestly. I don't want to say anything stupid about the bank's shares, it's just a ridiculous megalomaniac. ”

Zhou Shuo waved his hand and stopped the person who wanted to speak for him. looked at Ma Zhaomin, looked at him carefully, nodded and said: "Sunshine Real Estate wants to participate in the city commercial bank, but it is indeed an idea that is beyond its means. I heard that a lot of your funds are loans from credit unions, if you can't continue to get loans from city commercial banks in the future, it will have a great impact on your business, right? ”

"That's our trade secret, why should we sue you?" Ma Zhaomin sneered: "Sunshine Real Estate does not steal or rob. Can you manage to make money with technology and labor? ”

Zhou Shuo did not face Ma Zhaomin directly, but said to the surrounding onlookers: "Fanhan Group itself has deposits in Xiucheng Credit Union, even as an ordinary Xiucheng enterprise. Nor can it be said that they do not have the right to put forward opinions on the restructuring of city commercial banks. In my opinion, the fact that the preparatory team of the city commercial bank has the immediate family members of large lenders is involved, which may not guarantee the fair and just requirements of the city. ”

"My job is the result of the assignment by the city. What does it have to do with whose relatives I am? ”

Zhou Shuo's statement stepped on Ma Zhaomin's sore feet, and he had some knots in his heart. Faintly not confident in his work.

He said angrily: "I, Ma Zhaomin, sit upright, and being able to participate in the preparatory group of the city commercial bank is the result of my own efforts. You are not the only one in this world. I think you're jealous of what I've accomplished! Because I'm a state worker, I'm better than you individual businessmen! ”

"Hehe, I would like to know what work you are proud of in the preparatory team of the City Commercial Bank." Zhou Shuo sneered with a dark face: "Can you say it, let's see?" ”

"I ......" Ma Zhaomin was stunned for a moment, carefully recalled his work, thought of one thing that Ma Boyan had instructed before, and couldn't help but smile proudly: "Of course there is no problem, the appraisal team I am responsible for has completed the evaluation of the bank's fixed assets." Some people are alarmist that the city credit union is insolvent, which is not true at all! According to our assessment, the fixed assets of the Municipal Credit Cooperatives are worth at least 500 million yuan, which can fully support the needs of the restructured city commercial banks! ”

Zhou Shuo couldn't help frowning, I'm afraid this is Ma Boyan's response strategy to the restructuring of credit unions, right? Who believes that the fixed assets and business outlets of the municipal credit cooperatives can be worth 500 million? 100 million is probably the blessing of the appreciation of Xiucheng real estate in the past two years, otherwise at this point in time, how can the fixed assets of credit cooperatives in third-tier cities be so high?

However, the level of the appraisal value depends on the mouth of the appraisal unit, as long as it can give a reasonable reason, this is the official appraisal result. It's a big deal, Ma Boyan can completely manipulate Sunshine Real Estate and make a few high-priced sales of the properties around the credit union property, and his left hand is just right hand.

However, as long as there is a basis for these transactions, it is acceptable to assess the value of fixed assets.

"What is the ordinary reserve for the establishment of the City Commercial Bank? What are the hybrid capital instruments, long-term subsidiary debt? ”

This time, it was not Zhou Shuo who spoke, but Zhou Jiajia who was standing aside. For Ma Zhaomin, she didn't have a good impression at all. This guy who chased after him when he saw him, obviously he had expressed his refusal, but he still pushed the marriage of the Zhou and Ma families regardless of her wishes.

"Reserve ......" Ma Zhaomin saw that Zhou Jiajia was asking himself, so he quickly cheered up and thought about it, and said with some difficulty: "It should be 100 million." Where did the credit union get the mixed capital instrument, but it held 30 million long-term Treasury bonds. ”

Zhou Jiajia nodded, and then asked: "That's at least 630 million subsidiary capital, what is the core capital of your credit union?" That is, self-owned funds that can be used and disposed of in perpetuity? ”

"This, how do I know this......"

No matter how sluggish Ma Zhaomin is, he knows that Zhou Jiajia is not on his side at this time. He has almost no understanding of the so-called core capital and subsidiary capital, and at this time, where does he dare to say anything and be caught.

The so-called core capital is the capital that the bank can use immediately, and it is about the same as the liquidity in the operation of the enterprise. These capitals can directly absorb the losses in operation and management, so they are the core capital of the bank.

Subsidiary capital, on the other hand, refers to the capital that cannot be directly used by the bank to absorb losses, and these capitals are attached to the bank's business and will not have a direct impact on the normal operation of the bank. In other words, the meaning of subsidiary capital is that it can only be realized after it is converted into capital.

"You don't know, but I know pretty much." Zhou Jiajia raised her head and looked at Ma Zhaomin proudly. This made him a little ashamed of himself, as if he was going to lose the courage to stand up straight in such a gaze.

"The total reserves of Xiucheng cooperatives are between 3 billion and 5 billion, and according to the common rules of domestic banks, the core capital of 3 to 500 million is already the limit. Your core capital is less than your subsidiary capital, what kind of system construction does such a bank say? Not even the Basel II Capital Accord, the foundation of modern banks, is a joke. As for Ma Gongzi, your work is just an accomplice to fraud. ”

Listening to Zhou Jiajia's cynicism, Ma Zhaomin felt his heart beating wildly. A large amount of blood was pumped to his head, causing his face to suddenly turn red, and several cyan blood vessels bulged slightly on the epidermis.

There was a pounding heartbeat in his ears, his head was muddy and buzzing, his eyes were round and his eyes were red.

"If the two of them didn't have an adulterous relationship, why did Zhou Jiajia defend Zhou Shuo so much? Why did he reject me repeatedly, and why did he help embarrass me? ”

This question kept swirling in Ma Zhaomin's mind, and the more he looked at the way the two stood together, he felt that this judgment was not wrong. Zhou Jiajia is obviously a woman I am optimistic about, why do even the women who belong to me fall in love with him!

"Shut up, shut up, shut up!" Ma Zhaomin shouted excitedly, and waved his arm violently to fan Zhou Jiajia!

With a snap, Ma Zhaomin's hand suddenly stopped in mid-air, and what was unexpected was that Zhou Shuo actually caught his slap.

"What kind of man are you to beat a woman?"

Zhou Shuo frowned and looked at Ma Zhaomin, who was a little at a loss. sighed slightly and said, "Look clearly, the Northeast gentlemen can't even fight, it's really embarrassing." ”

After speaking, the fist clenched by his other hand was fiercely imprinted on Ma Zhaomin's face!

"Stop!" Ma Boyan watched dumbfounded as Zhou Shuo grabbed Ma Zhaomin's right hand with one hand, but his right hand gave him a solid punch in the face. Almost instantly, his nose was bleeding all over his face.

"How can you hit someone, let go of your hands!" Ma Boyan looked at Ma Zhaomin, that was the only seedling of the Ma family, and usually even he was reluctant to reach out and move a hair!

Zhou Shuo glanced at him lightly, and said with a light smile: "Mayor Ma is really sorry, I really shouldn't have beaten my nephew with my fist - I should have kicked him with my foot." (To be continued......)