Qian Feng received a list of people involved in the case from the Municipal State-owned Assets Supervision and Administration Commission in the task force.

Rural credit cooperatives are very special banking institutions in the financial system, and it seems that this signboard is everywhere in the country, but in fact, it is not a group company at all.

In the beginning, the rural credit cooperatives were a mutual aid organization run by administrative instructions to mobilize rural farmers and small businesses to pay shares and deposits, and to pool funds for everyone's use. Later, for various reasons, it was difficult to continue, but the stalls were all over the place, and they had to be cleaned up.

As a result, the county, city, and provincial associations at all levels were established, but the property rights were not clear, and the associations at all levels were immediately Lao Tzu, and their status was embarrassing, so they were handed over to the Agricultural Bank of China at all levels for management, and then handed over to the People's Bank of China, and finally handed over to the local government.

At that time, Mr. Zhu led the reform of the national rural credit cooperatives system, which gave the rural credit cooperatives vitality, and evolved to the present, forming a joint-stock cooperative financial company. They are also large and small, the big ones are inter-provincial, and the small one is an independent legal person company in a county.

In the city where Qian Feng is located, the city's reform has integrated various rural credit cooperatives in the city, including Li Guizhi's layer, and established a corporate bank, the Municipal Rural Credit Union.

The largest registered shareholder of the Municipal Rural Credit Union is the Municipal State-owned Assets Supervision and Administration Commission, and the other registered shareholders include several departments of the city and the next level of government.

All in all, it is completely state-owned, but the shareholding is dispersed, and although it is a joint-stock company system, it lacks the formality and efficiency of corporate management.

......

Although Qian Feng does not know the specific financial situation of the Municipal Rural Credit Union, he can still grasp several main indicators. According to a report published by the China Banking Regulatory Commission, the burden of rural credit cooperatives across the country has accumulated over the past few decades, resulting in a dead-debt non-performing loan ratio of 40 percent, which is comparable to the non-performing loan ratio of the four major banks before the restructuring. However, later, in order to reform and list the four major banks, the rural credit cooperatives would not have such treatment if they used all their financial strength to strip off non-performing loans.

Therefore, the ultra-high non-performing loan ratio of the Municipal Rural Credit Union will not be an exception.

The balance of deposits and total assets are very easy to check, and the Municipal Rural Credit Union has disclosed it in its own external propaganda.

Financially, the deposits absorbed by the banks are liabilities, and the balance of deposits of the Municipal Rural Credit Union is more than 20 billion yuan, and the assets side, including cash balances, loans issued, deposit reserves, and interbank funds, have more than 25 billion yuan. It seems that the assets are greater than the liabilities, but the non-performing loans that have been cut out of the dead debts may already be insolvent. The specific difference depends on the total loan balance.

However, there is no data on the total loan balance Qian Feng now, and it can only be about half of the deposit balance according to the general law of the bank.

Now the collective nest case of the Municipal Rural Credit Union has broken out, and I don't know how many holes have been dug.

I also thought of the run on the depositors of the Rural Credit Union that I saw yesterday, and when the incident subsides, it will definitely be withdrawn from a huge amount of deposits, which will make matters worse.

Perhaps, the run was the last straw that crushed the Municipal Rural Credit Union, making it unsustainable and collapsing.

However, the Municipal Rural Credit Union is not a commercial bank, and it will not be allowed to go bankrupt, and the local government will not dare, so it can only try its best to subsidize and maintain, even if it has become a hot potato.

Qian Feng saw an opportunity, if he could solve the local urgency, invest in the Municipal Rural Credit Union, and even become the controller, it was not impossible.

From an investment point of view, this is definitely a toxic asset. But Qian Feng values not this asset, but its banking license.

A banking license is the most valuable thing, and with a banking license, you can start banking business. To put it at the extreme, it's similar to that as long as someone puts money in it, that money is your asset at your disposal.

This does not include the fact that a large number of intermediary businesses can be carried out in a grand manner, such as the issuance of wealth management products and so on.

To know what it means to own a bank, you only need to look at Minsheng Bank, which is the only private joint-stock commercial bank so far, and why it is the only one, is because except for Minsheng Bank, which is a special case, it is absolutely impossible for private capital to publicly obtain a banking license.

In some small and medium-sized local banks, private capital has appeared in the reform of their own shareholding system and commercialization. Some of them have been controlled by private capital standing behind the scenes through multiple shareholdings, but they are still wrapped in the cloak of state-owned. But this also has the advantage of avoiding unnecessary constraints.

Qian Feng moved his mind to covet the Municipal Rural Credit Union.

As for whether it can be harvested, it depends on Qian Feng's capital operation methods and the general environment.

......

Qian Feng turned on the computer and began to look at the list of people involved in the case reported by the Municipal State-owned Assets Supervision and Administration Commission, and used his own abilities to find clues in the background data information database of the capital trading market one by one.

It was found that some of the people involved in the case had trading accounts and records. There is actually a real-name account in it, and the people in this area, regardless of the amount of the account, don't care, the case-handling personnel can completely check it, and it is estimated that it has already been checked.

What is really valuable to the case-handling personnel is that, like Li Guizhi, he transferred hidden assets and used his vest account to flow into the capital trading market. These clues and traces are difficult to find even by public authorities.

Qian Feng sorted out these clues and evidence and formed a written document, which was ready to be handed over to the case-handling personnel of the State-owned Assets Supervision and Administration Commission.

Qian Feng dialed the phone number of the case-handling personnel of the SASAC in the special case team last time.

Called twice, the call went unanswered. Come over for a while, and it's coming back over there.

"Mr. Qian, I'm sorry, I'm in an emergency meeting, I'll call you outside the venue now. The other party explained.

Qian Feng told the other party that he had a little clue, and asked the other party when it was convenient to report it himself.

"Great, thank you Mr. Qian, you wait for my call first, now we are dealing with an urgent matter here, and I will inform you when we are done, okay?"

"Is it a run on the bank by depositors?" Qian Feng asked tentatively.

"yes, how do you know?"

Qian Feng laughed embarrassedly, "Every rural credit cooperative outlet is surrounded by water, and the bank shows the depositors bags and bags of money, who doesn't know about such a big thing." ”

"The flashpoint was Li Guizhi's branch, and to this day, the city's branch has spread like a plague. Even the mayor went down to do the work of persuasion and explanation, and our SASAC was about to blow up its head. These moths are harmful to people, so they have to be fed guns one by one. ”

"Okay, you're busy, I'll just wait for the notice. Qian Feng hung up the phone.

The run is a social group event, and the mayor must go down to work, and it is conceivable that not only the big housekeeper SASAC is in a hurry, but also the city.

Qian Feng thought to himself, it seems that the trajectory of things is going according to his own judgment.

Qian Feng called You Qide of the listed company again.

"Chairman You," Qian Feng said in a respectful tone, "Please let the finance side prepare an latest financial statement, and I will ask Director Hao Zhongren to go to your office tomorrow afternoon to pick it up, and I need to study it here." ”

"Okay. You Qide agreed.