Back in the county seat, Qian Feng went directly to his brother's house, excused himself to stay for dinner, and directly picked up his parents and went back to their home in the mountain village. The car was walking on the street of the county seat, and when passing by the rural credit cooperative, Qian Feng saw that many people had gathered at the gate of the rural credit cooperative, which had closed its business after work, and the crowd even surrounded the road, affecting the traffic.

Qian Feng had to slow down. What happened? Qian Feng thought to himself.

It seems that most of the people gathered are elderly, and they are very excited, talking to each other, and there are also loud noises inside, Qian Feng can hear it clearly.

"What kind of work, that's their excuse, they just won't let us take out the money. ”

"Even the governor has been arrested, saying that he has taken away the money we have saved, and now there is no money for us to withdraw. ”

"This president has lost his conscience, and that is the coffin book that we have been fortunate to have suffered all our lives. ”

"It's not that the man who relies on himself is the leader, I heard that their whole family has been arrested. ”

"What's the use of people arresting us, we have to return the money we have saved, and the yamen doesn't care about it. ”

"The top leaders have been arrested, where is there anyone in charge of affairs in the yamen, and where will anyone care about our life or death. ”

"I heard from my neighbor that there was an accident at the bank and told me to get the money back quickly, but it was too late. ”

"I was also late, and I didn't get my turn after waiting in line for two hours. ”

"I'm going to stay here until tomorrow when they open the door. ”

Hearing so much, Qian Feng basically understood that there was a run. No matter how it is a county town, Li Guizhi's family was arrested, and the news quickly spread, it is not easy for elderly depositors to save some money, listening to the wind and rain, and they are afraid that the money they have saved is not safe, so they hurriedly come to withdraw it, which is very suitable for cleanup.

The elderly are accustomed to manual operation of the counter, and when there are many people who come, it is bound to form congestion, and a congestion will be chaotic.

And once a run is formed, it will spread rapidly like a virus throughout the city's rural credit cooperative outlets. There is no other way to deal with a run, you have to meet the withdrawal requirements of depositors, and you have to have a fast track to disburse money quickly until all depositors are at ease.

Otherwise, it will cause social incidents.

It seems that tomorrow will be busy with the cash truck, and the Municipal State-owned Assets Supervision and Administration Commission, as the largest shareholder, is estimated to suffer.

Ordinary people see a lot of excitement about this, but Qian Feng, who was born in a finance class, sees the problems behind it.

Financial institutions such as rural credit cooperatives do not have much intermediary business themselves, but nothing more than absorbing deposits and lending, earning profits through the difference between deposit and loan interest, and at the same time supporting loan business through deposits, and the two form a cycle. Now there is a run, and the direct impact is to cause a liquidity crisis, because the loans that are released are not immediately recovered, and the deposits are lent out, so they can only rely on cash balances and deposit reserves, but these money are used to maintain daily operations. Now it is a sudden run, and in the face of the concentrated outbreak of large withdrawals, this money is a drop in the bucket.

In this way, it is necessary to rely on the external blood supply to quell the run.

The run has subsided, but the borrowed funds are debts, unless the borrowed funds are given to you for free, and your debts will be repaid. What to repay, you can only take the loan that is released and repay it slowly.

As a result, we were faced with a problem: there was no deposit here, and there was no rice to cook, and the loan over there had to be used to repay the debt, and it was all emptied.

In this case, if your non-performing loan ratio is okay and your operating costs can be maintained, it will not lead to fatal bankruptcy, and if you continue to consume, you may be able to slowly recover and develop again.

However, if there is a problem with the asset situation, it is another matter, and depending on the size of the asset situation, it is not impossible to become insolvent and liquidate.

At this time, Qian Feng thought that in the task force, the largest shareholder of the rural credit cooperative, the Municipal State-owned Assets Supervision and Administration Commission, said that the entire municipal rural credit cooperatives had a collective nest case, and it was conceivable that its asset situation was worrying.

Qian Feng faintly made an appointment and saw an opportunity, a great opportunity to strengthen the strength of the capital.

......

The next day at work, Qian Feng went to the office first, he left for a week, Xing Jimei was transferred to the provincial capital by him again, and Hao Zhongren became a bare pole here.

"Teacher Qian, you're here, fortunately Jimei is not here, and it feels too lonely to stay in the office alone. Hao Zhongren saw that his boss was back, and greeted him with a smile.

"Then how about hiring a few more girls to accompany you, so that you can gather around the women's pile, so that you can solve your single dog problem. ”

Hao Zhongren looked bitter, "Teacher Qian, are you criticizing me or are you going to give me benefits?"

Qian Feng is indeed not joking, the second private equity fund to create a flagship benchmark has been issued, and it will be launched one by one in the future, as an investment company, it is roughly divided into two main parts, one part is the investment research team, which is the brain, making investment suggestions and decisions, and the other part is the trading team, which is the body, and the specific implementation of trading operations.

The brain part of the investment research team has been picked up by Xing Jimei, and the body part of the trading team must also be picked up, and the candidate is naturally Hao Zhongren.

With the gradual arrival of the funds issued by private equity funds, trading transactions must also be started, and Hao Zhongren alone is definitely not enough, and it is natural to supplement manpower. Moreover, according to the rules, traders are not allowed to cross-trade between private equity funds.

As for all the girls being hired as traders, and by the way to solving his personal affairs, this is of course a joke.

Qian Feng told Hao Zhongren the reason.

"Teacher Qian, then we're going to have great plans, right?!" Hao Zhongren was very excited.

Qian Feng nodded, "It's okay if you want to understand it like this." ”

"That's what I want to understand, the scale of 10 funds of 100 billion is not a big plan. ”

"It's not the size of any public fund, look at your vision. Qian Feng smiled.

"To me, that's a lot of money. Hao Zhongren crossed his hands again, "It's good now, there is a director on the side of the listed company, and I have been promoted to a leader here, Mr. Qian, can I do it?!"

"I said you can do it, you can do it. Qian Feng replied, patting Hao Zhongren on the shoulder, "In the early stage, I will give you instructions for the fund's stock selection and positioning, and the buying and selling points." In the later stage, when you are on the right track, you have to rely on the systematic research report given by Xing Jimei to make your own judgments and decisions. ”

"Okay, as long as Mr. Qian can teach me. Hao Zhongren laughed.

"In addition, fund issuance management, administrative logistics, my brother Qian will always form a team of several people, as for where this team works, it depends on the meaning of Mr. Qian. Qian Feng explained to Hao Zhongren again. "In this way, the framework of our investment company will come out, and you have to work hard for me. ”

"Okay. Hao Zhongren deserves a crisp sound.