Chapter 1009

The more he saw the content, the more shocked Wan Bin's heart became, yes, he never thought that the institution conceived by Wang Yang, known as a bank, was actually a professional lending institution.

Moreover, it also takes into account the function of savings, but the loans issued by the bank are divided into commercial loans, industrial loans and agricultural loans, and the interest rates of each type of loan are different.

But there is one thing, that is, the interest rate on its loan is really low, well, a little low. However, once it is said that the bank has become a lending system that is recognized and certified by the government.

Then its scale and volume, just thinking about it with your toes is terrifying, even this bank can only be opened in these six states on North Shaanxi Road.

But the problem is that when the government recognizes and the interest rate on borrowing is not high, it is the only institution that can be responsible for lending......

Wan Bin seemed to have heard the sound of the copper plate falling to the ground like a torrential rain in his ears.

Wang Yang took a sip of wine, carried the delicious food, and admired the change in Wan Bin's expression. From the shock at first, to the shock later, then the eyes and expressions changed to emotion, and then, there was a kind of greed and possession that is difficult to describe in words.

Seeing such an obvious and undisguised change in his expression, Wang Yang knew that he had successfully used this plan to convince Wan Bin, an old driver in the shopping mall.

"We've done this bank, we have to do it, Brother Xian, oh no...... Lord Wang, this bank must be done by Wan, first, who can dare to say that he will take hundreds of thousands of millions of dollars to make the principal at once?

Second, my Jiangxi Wan clan is also a leader and face in the Jiangnan area, and the most important business morality, but it is far stronger than those who forget their righteousness for profit......

"Brother, calm down first, calm down...... Hurry up and take a sip of wine first. Wang Yang didn't expect that Chi Guoguo would say it directly after reading this product, although Wang Daguan was very pleased with such a reaction, but the problem was that things couldn't be so urgent.

After Wan Bin poured two glasses of wine in a row, and looked at himself with his unusually big eyes, Wang Daguan put down the cup and chopsticks in his hand.

"It seems that Brother Wan is very interested in this bank? Moreover, if the first bank of the Great Song Dynasty is handed over to someone else, I really don't feel at ease. ”

"Haha, that's a must, don't worry, it's definitely not wrong to hand it over to the foolish brother." Wan Bin breathed a sigh of relief, and the smile on his face became more and more enthusiastic.

"But, brother, have you seen the plan clearly? Banks must be supervised by the China Banking Regulatory Commission, which is now preparing to set up the Preparatory Committee for Financial Institutions in the Great Song Dynasty. ”

"Of course, there is no problem with this, it's just, what will this Dasong Finance, and will it affect our bank's business?" After Wan Bin nodded, his eyes rolled and he lowered his voice and asked Wang Yang.

"No, it will only conduct a regular audit of your accounts once a fiscal year, and two non-notification audits to check for any irregularities in the bank, such as raising the interest rate on loans without authorization, or giving agricultural loans to merchants, etc......."

After a slight groan, Wan Bin nodded thoughtfully. "It makes sense, after all, the interest rate of commercial loans is the highest, and if there is no one to supervise and verify, maybe such a thing will really happen."

"In addition, although the Preparatory Committee of Financial Institutions is an official body, they do not belong to the government. In other words, the government and them are not subordinate to each other, and this committee will be directly responsible to the court, and his staff will only be appointed or selected by the court......"

"But what if the CBRC you are talking about has internal problems, or if they collude with the banks and do something in secret? After all, Brother Xian, didn't you say that they are not subordinate to the government? ”

"The supervision of the imperial history of the Great Song Dynasty, as well as the government, although they are not subordinate to the China Banking Regulatory Commission, but once such a problem occurs, it is illegal, and the government will naturally come forward to punish it, and the sentence that should be sentenced and the fine that should be fined...... Wang Yang smiled and shrugged his shoulders.

"That's why it's important to draft a financial bill before a bank as a lending institution is established."

"And brother, I don't know if you are willing to join the preparatory committee of this Great Song Financial Institution with my younger brother, my younger brother needs someone to help me draft this bill, and I also need Brother Tai to try to gather a group of talented people with experience and arithmetic......"

"I, too, joined the preparatory committee of this financial institution?" Wan Bin looked surprised at first, but shook his head again. "Wan still thinks it's interesting to do a business that can make money."

"Of course, there is no problem, but before the bank is established, you can draft the bill with me first, after all, you have to have an identity to do things."

After listening to Wang Yang's explanation, Wan Bin breathed a sigh of relief, and naturally patted his chest and assured Wang Yang that he would write a letter tonight, and then strive to let Jiangnan Wan send a group of accountants who are proficient in finance as soon as possible.

In addition, this person still asked about Wang Yang's establishment of a bank. Since the other party was so interested, Wang Yang naturally couldn't refuse, so he told him about the general structure of the bank in the six states of North Shaanxi Road, which he was going to establish.

"Because this is the first bank, everything is experimental, maybe there will be some adjustments after a period of trial operation, but some things can be determined."

"If you want to set up a bank, capital is the key, at least one million, before you can have the qualification to form a bank, and private banks, for the time being, will only open the business of North Shaanxi Road."

"It's a good thing that the threshold for entry is set higher, but I'm afraid that if the threshold is too high, ......"

"It doesn't matter, private banks are not only wholly-owned, but also joint-stock banks, which are the kind that are jointly invested and established by big guys."

"But what if someone borrows a loan here and then absconds without repaying it?" Wan Bin asked a very crucial question.

"Therefore, it is necessary to have a special person to verify whether the other party has fixed assets or other property, and when the other party lacks the ability to repay, then these assets and property will be sold by the government. After paying off the debts owed by the other party to the bank, the remaining income will naturally have to be repaid to the debtor. ”

"It seems that the most important thing for this loan is to review the loan, whether the other party has the capital, and whether it can afford to pay it back, all of which need someone to visit them."

"Yes, so, in the financial law, there is also the criminal issue of financial fraud, such as the other party deliberately fooling the auditor that a certain building is his fixed asset, and then using this to borrow money from the bank."

But in fact, the deed was actually forged by him in collusion with the scribes under the government. In this way, this person and the scribe constitute the crime of financial fraud, not only to recover all the loans, but also to severely punish the two of them......"

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