Lu Lizhan looked at Li Yi eagerly and said: "Anyway, each industry has its own familiar people to take charge of it, and the development will be targeted, and the speed of promotion will be greatly accelerated. ”

Li Yi thought for a moment, and immediately nodded: "Hmm! President Lu has a good idea, and it's time for Mr. Tang to come back. However, you are also the president of Yunnan Commercial Bank, this burden belongs to you, you lead all the affairs of Yunnan Commercial Bank, while focusing on Yunnan commerce and peripheral trade, can reflect your greatest role. ”

"I'll call Mr. Tang back tomorrow and let him be the vice president of Yunnan Commercial Bank, is there a specific matter? I think it would be the best of both worlds for him to be in charge of the production and operation of copper, coal mines, and other minerals, so that you would each take his own responsibility? ”

Lu Lizhan nodded solemnly and said: "With this arrangement, I have more confidence in the future of Yunnan Commercial Bank." As long as we operate properly and can quickly cultivate a large number of management talents, Yunnan will definitely have a great future! ”

Li Yi smiled slightly: "In the past, because we were short of manpower, there were too few talents to use, so the burden was put on the shoulders of you and Mr. Tang." Hehe! Now, after a period of training and actual operation, I believe that a large number of business talents have also emerged. A young talent like Shi Xuezong, I don't know how you behave? ”

Lu Lizhan said with emotion when he heard this: "The handsome man is indeed clever in knowing and employing people, this old brother of the sect is indeed a rare business genius, he has only been with me for three months, and I have discovered many advantages in him." Shi Xuezong has a good way of managing money and managing well, especially the mobilization and turnover of funds are very organized, the efficiency of capital use has been greatly improved, and the recent substantial improvement of the efficiency of Yunnan Commercial Bank has a great deal to do with him! ”

"Huh! I think that if he were the chief economist of the Yunnan Bank that we established this time, it would definitely be well organized. ”

Li Yi nodded happily and said, "Okay!" The person that Mr. Lu fancies, there is absolutely no problem, I think it's so decided. But he's still younger, so you need to help him a little bit more in the back so that he can grow up as soon as possible. ”

Lu Lizhan smiled lightly and said: "That's natural, one million funds is not a small amount, no matter who it is in its hands, I, the president, am also a little uneasy." Moreover, at the beginning of the establishment of the Bank of Yunnan, if we do not establish a strong reputation as soon as possible and start the brand of the bank, the Bank of Yunnan will not be able to play the purpose of revitalizing funds and promoting development, and will not be able to provide sufficient financial guarantee to the people and merchants who are in urgent need of funds. ”

"Therefore, although Shi Xuezong is the chief economist of the bank, I will still personally sit there and strictly review every income and expenditure, which is why I urgently need Mr. Tang to come back to help me."

Hearing this, Li Yi couldn't help but nod secretly, Lu Lizhan really deserved his reputation, he not only put Yunnan Commercial Bank on the right track in a short period of time and achieved great development, but also considered everything very thoroughly, with him sitting in Yunnan Commercial Bank and taking care of Yunnan Bank, what else do you have to worry about?

Thinking of the future operation mode of Yunnan Bank, Li Yi still has some questions, although Lu Lizhan is a business wizard, but after all, limited by the difference of the times, I am afraid that he is still a little unfamiliar with the bank's business mode and the process of collecting and saving and lending.

Thinking of this, Li Yi asked solemnly: "Although our Yunnan Bank has sufficient funds, how can we do it, not only to maximize the use of these funds, to benefit the people and merchants in Yunnan, but also to make the existing funds grow at a certain speed, and to ensure the use of funds in the long run?" ”

When Lu Lizhan heard Li Yi's question, he couldn't help but smile slightly: "Da Shuai is the best among scholars, of course he understands the principle of low entry and high exit. Speaking of which, the business idea of our bank is also this truth. At present, although we have a million dollars in our hands, we cannot use it all as capital for lending. ”

"We want to set a certain interest rate on saving money, attract the majority of people who have spare money in their hands, keep the money in our bank, and then lend the money at an interest rate higher than the deposit, and maintain the sustainable rotation of our bank through this interest difference."

"My idea is that the Bank of Yunnan will keep 700,000 yuan of working capital, and the other 300,000 yuan will be used as the bank's margin to avoid the failure of turnover when the funds are tight. In addition, the deposit starts from three months, and the interest is divided into three months, six months, one year, two years, and three years, and the interest is three percent, three percent, four percent, four percent, and five percent, and the loan period is the same as that of depositing, and the interest rate is four percent, four percent, five percent, six percent, and six percent. Whether it is the interest on savings or loans, it is much less than the current interest on deposits and loans in the private sector. ”

"But we are a government-run bank, and the safety of deposits and loans is beyond doubt, and it is guaranteed by the government's credit. Of course, this is only the current tentative deposit and loan interest, which will be adjusted at any time according to the economic development situation in the future. ”

Hearing this, Li Yi secretly praised and then asked: "I think the interest difference between this kind of deposit and loan is quite reasonable. It's just that I still don't understand one thing, if the government borrows money from the bank for the sake of people's livelihood, but it doesn't generate income itself, if it is repaid with interest, where does the government find money to pay back? ”

Lu Lizhan smiled softly again: "Don't worry, our bank has a special loan in this area, which is called interest-free loan." All things related to the national economy and people's livelihood that are built under the auspices of the government, such as the repair of roads, the erection of bridges, the construction of farmland and water conservancy, the construction of schools, and the construction of township medical centers, are all within the scope of our regulations on interest-free loans. ”

"However, because interest-free borrowing has no interest income and has to pay interest on the money you have saved, this type of borrowing is undoubtedly a loss of money. Therefore, we have also set a limit on the amount of funds for interest-free loans, which is temporarily limited to 100,000 yuan per year, and gradually increases as the capital increases. ”

Hearing this, Li Yi suddenly remembered something, and hurriedly asked Lu Lizhan: "The construction of our Xiangshui Dam Reservoir has cost a huge amount of money, and now it has probably spent hundreds of thousands, if the follow-up funds are insufficient, I am afraid that the annual limit of 100,000 yuan may not be able to cope with it!" ”

Genius one second to remember the address of this site:. Mobile version reading URL: m.