Shanghai, a natural harbor and located in the east of China's export topography, is destined to become China's most important economic position, nearly 20 years of steady development, the old days of European and American banks lined with banks on the Huangpu River, the rapid development of the four major state-owned banks led by the Bank of China, as well as the private Industrial and Commercial Bank of China, Shanghai Industrial Bank and other domestic banks, the scale has long dwarfed those foreign banks.

However, the Chinese government's open-mindedness, the stability of the current situation and the increasingly important currency exchange business in the banks of various countries have also made these overseas banks profitable, of course, due to the background of the four major state-owned banks and the establishment of the domestic private banking association, making the nightmare of financial runs almost impossible to reproduce, and the state's support in this regard is obviously a huge advantage that foreign banks cannot compete at all......

"Chairman, I think the four major banks still have too many concerns and too many restrictions on their support for private industries!"

Qin Kai stood in the VIP room of the private Industrial and Commercial Bank of China, looking out the window on both sides of the Huangpu River has quietly begun the urban construction, although compared with Lujiazui, Pudong, which became a world-class financial center in later generations, Pudong can only be said to be a super industrial zone, and the convenient shipping and inland transportation conditions at the mouth of the Yangtze River make it a unique heavy industry center environment, and Jiangnan Heavy Industry has also benefited from this advantage, and in recent years, it has a taste of catching up in the field of heavy industry technology, which is also one of the important purposes of his trip.

Although key laws such as the National Banking Law have provided fertile ground for rapid financial growth in the past 20 years, as Song Hanzhang, who is the general manager of ICBC and president of the East China Banking Association, stated......

Standing at the headquarters of the private Industrial and Commercial Bank of China today, meeting with this star figure in Shanghai's financial circles, it is naturally also to listen to the opinions of domestic financial reform...... Undoubtedly, the key of the key.

"Han Zhang, the problem of the four major banks is actually that their responsibilities are different, and the risks that private banks are unwilling to take are more likely to be borne by state-owned banks, such as infrastructure construction in the southwest and northwest, agricultural and animal husbandry support in poor areas in the northwest and southwest, and overseas high-risk investment, but the issues you mentioned, we have been considering and submitted to the board of directors of the four major banks for implementation......"

Speaking of this, Qin Kai changed the topic and pointed to the thick stack of Wen Jiàn that he had placed on the coffee table, "I came this time to have a more important idea, and I hope to make some attempts with the help of your operation, which may be a step that must be taken by China's development in the future!" ”

Song Hanzhang is obviously quite surprised, has always been a private Industrial and Commercial Bank of China and the government has little to do with the relationship, especially in management, although a lot of experience from Nanyang Bank, but it is absolutely independent, and although the Shanghai Municipal Government holds 10 shares, but does not participate in the management at all, however, as the top level of the domestic financial industry, he is naturally clear about the story behind the preparation of this large private bank.

Although the intention of the preparation came from the local business people in Shanghai, but the scale of the preparation was completely beyond everyone's expectations, among them, the earliest fund-raising and a large amount of government support, were originally from the direct instruction of Chairman Qin, and the specific operation was brought forward by another consortium, and finally his own selection to this high position enough to show his ambitions was the personal involvement of Chairman Qin, but he should have no intersection at all except for seeing this man of the year in the newspaper media.

He had already noticed the stack of text on the coffee table, but the kraft paper bag was sealed and not opened, so he didn't expect to show it to himself, he immediately picked up the paper bag, and the two strong pencil words on it made him excited-"Commercial Credit System", in fact, this kind of thing has long been done in the private Industrial and Commercial Bank, but no one has ever put this as a system.

"Chairman, after I read these documents carefully, I will draft a plan and discuss it with you!" Song Hanzhang is obviously a steady person, a thick stack of texts, he pinched it in his hand and knew that it was impossible to read it in a while.

Qin Kai smiled slightly, there is no doubt that integrity is the only way for the stable development of this country and society, society is like an organism, birth, old age, sickness and death are the only way, but if the system established by itself cannot be self-renewed and self-repaired, any glorious country will go into decline, and this is also the basic principle that needs to be established from the bottom of the entire society.

"Han Zhang, it is the best choice for the banking association to do this matter, but the entire credit system is not actually done by your family, the four major banks will also provide you with information in this matter, and the reason why I choose to do it by you is that this system is a matter of life and death for the banking industry now and even in the future...... Although the current credit information in this article is only for merchants, in the future, what I hope to establish will be a national credit system...... What you do will be a very important first step! ”

The state-owned assets bank turned by the Nanyang system, backed by a strong government, has almost unlimited ability to absorb capital, but Qin Kai knows that the ultimate significance of the state-owned assets bank is to save the bank for financial stability.

Relying on private capital to promote technological innovation, there is no doubt that it is the most efficient, but for China, where the technical reserves and economic scale reserves are still in the early stage, it is difficult for private industrial giants to appear temporarily, and the historical development trajectory has fully confirmed this, before the advent of the information age, the existence of technical barriers, especially the barriers between heavy industries, is definitely a huge bottleneck that private enterprises cannot fully compete.

At the same time, Qin Kai, who is well versed in historical development, should consider that the crisis of world war is just around the corner, and in the important development period of the country that has arrived in the iron and steel age, especially in the early stage of facing the second wave of industry, the opening of heavy industry means that once there is a war, the government will be burdened with heavy debts...... However, opening up the channel for private capital competition is an imminent problem!

Promote private capital, but still cannot fully rely on private capital for at least 30 years, which is also the strategy that Qin Kai is currently adopting!

Thanks to the open scientific research atmosphere established in the Mawei real room and the state's unreserved heavy rewards in the field of scientific and technological innovation, the four major reals have undoubtedly become a temple for young people who are keen in the field of technology.

Among them, the Haitian University Room prepared by Cai Shaoji, although it is completely privately funded, but the growth speed and scale of the Haitian University Room has surpassed the Mawei Room of the real room, which makes Qin Kai quite pleased with the result, the field of education, especially the academic openness of higher education, determines the height of the energy reserve and development of scientific and technological innovation.

The meeting with Song Hanzhang had lasted less than an hour, but Qin Kai had already sown an important seed for the banking association to take the lead in what seemed to be the government's lead, and he was convinced that there would be more efficient and sustainable results, and of course, Song Hanzhang also received support - in addition to the construction of a national credit center by the Shanghai municipal government and a financial support.

When Qin Kai came to Haichuan University, located near the East Wharf in Shanghai, to meet Cai Shaoji, a young educator dedicated to Chinese education, calmly introduced the academic achievements of Haitian University, including politics, economy, science and technology, culture, etc., and today's Haichuan University has become a temple of alternative education under the national education system after nearly 20 years of academic accumulation.

Cai Shaoji's deep Nanyang connections and his broad vision have clearly laid a deep foundation for this institution of higher learning, which was founded with the expectation of "embracing all rivers", and indeed, as a Baathistist, he has engraved academic freedom as a motto on a huge sculpture at the entrance of the university.

The two did not meet in the university president's office, but unexpectedly stood by the creek boulevard on the side of the school's newly completed "Revelation Hall".

"Chairman, I am under a lot of pressure here on the matter of academic freedom, especially the topic of Baathist theoretical research that you agree to open at Haichuan University, there is a lot of controversy, most scholars are rational, but radical ideas have always been very marketable in universities, which makes me very worried!" Cai Shaoji is naturally full of confidence when talking about the college, but even he is still skeptical when it comes to academic freedom, especially when it comes to Beijing.

Qin Kai naturally understood what he was worried about, China's historical tradition has always been the concept of the monarch and the minister, but the era has obviously entered a new society, even the inheritance of history should be changed, and the country he hopes to establish obviously cannot just rely on a wise man to guide the direction, although he has played this role in a large way, but this is obviously unsustainable.

"Heqing, at this point, you can rest assured that our education system is not focused on the current era, but also because for the future of China in the next hundred years, or even hundreds of years, to establish a system that can improve and self-improve, which requires an open atmosphere, I can even assert that any political party will make mistakes, and the Baath Party is no exception, and a government that cannot tolerate criticism is doomed to failure!"

When Cai Shaoji heard Qin Kai's response, he immediately put on a solemn expression, "Chairman, I propose that the National Assembly or the Cabinet authorize the establishment of a journal dedicated to publishing dissenting political opinions, so as to provide opinions for the government's decision-making, and at the same time avoid the negative impact of these sensitive topics appearing in the mass press!" ”

Hearing this guy's suggestion, Qin Kai immediately realized that the previous conversation was premeditated now, however, this mention is very good, now the domestic political situation is stable, but the governance of the huge country is obviously impossible to be perfect, he thought about it for a while, in addition to mentioning that Haichuan University will preside over the revision, in addition to the publication of the publication to distribute to the provincial government departments, and the funds will be allocated by Beijing.

Cai Shaoji also had to help with an event, that is, to send a group of outstanding talents to enter the preparation of the national credit system, and form a theoretical report to establish a national-level system, and after Qin Kai left Haichuan University in the afternoon, he hurriedly appeared at the Jiangnan Heavy Machinery Factory in Pudong Port to commend the new machinery officially put into use on the same day. R1152