Qian Feng, who left the provincial capital of Ping'an, did a seemingly fragmented but very necessary thing, that is, he went to the 86 business outlets under the Kangding Rural Credit Union for a random private visit.

Although he has not yet officially controlled the Municipal Rural Credit Union, Qian Feng still wants to prepare early.

The so-called fighting is easy, but it is difficult to consolidate the country. If you don't take advantage of the opportunity of the commercial restructuring of the joint-stock system to wipe it off and polish it, and if you don't give it a new life, the continuous loss will continue, and it will also pull you into the quagmire.

Qian Feng, who majored in finance, knows the banking industry too well.

How big is the banking pie? The M2 indicator of the broad money supply is 160 trillion, or more than $20 trillion, while the United States has only $13 trillion. All the money will flow through the bank, and the flow will create wealth for the banking industry.

In other words, banks are lying on the super cake of wealth of more than 20 trillion US dollars, which industry can have such a huge operating space and market size. Therefore, it is not difficult to understand why the profits of the big A listed banks can exceed the combined profits of all other listed companies. It is not difficult to understand that hiding at home, with the advantages of time, place, people and politics, can be on top of the world.

It's an industry where you can make money lying with your eyes closed.

Banking institutions that don't make money are simply wonderful, and Kangding Rural Credit Union is just such a wonder, not only does it not make money, but it actually suffers financial losses month by month.

There is no other reason, the crux lies in the people, and it lies in the fact that a group of small branch leaders like Li Guizhi have damaged the public and private interests, and the collective nest case. Coupled with personnel nepotism, the upper beam is not correct and the lower beam is crooked, and the upward and downward effects are a mess.

As for what historical bad debt baggage, inefficiency, lack of innovation, and poor service have a certain relationship but are not the decisive factor. Do you see which bank is not responsible for coming out of the closet, and there is a long queue at the window?

Because the money is so easy to make.

The solution is very simple, just go to the decay and regenerate the new can make the Kangding Rural Credit Union rejuvenated. If you slightly improve the management and window image, even if you do a little better than other peers, you can also stand out from the crowd.

What's more, there is also a resource of Gao Zhengji in hand, which is to do some administrative collection and distribution business, such as water, electricity and gas cable fees or something, which is also a fragrant bread.

The purpose of Qian Feng's private visit to the outlet is to get an intuitive feeling and find a way for his upcoming surgery. And this operation can only be done by hand, and it is unrealistic to expect the existing senior management team to make drastic new measures.

Doing business, observing from the side, the private visit took two days, and together with Wu Shanshan, I visited most of the business outlets.

......

Two days later, the property rights trading center officially opened the bid, no longer interfered, Qian Feng used a number of companies to successfully win all the transferred shares of Kangding Rural Credit Union, totaling 45% of the equity.

Qian Feng designed a complex shareholding structure for this purpose.

Each took the homonym of Wu Shanshan and a word in his own name, and registered a company of Shanfeng Venture Capital Management Co., Ltd., referred to as "Shanfeng Venture Capital". Then, from an acquaintance, he used "Shanfeng Ventures" to buy three shell companies, and changed the shareholders and articles of association in the shell companies.

It also used "Qianfeng Investment Company" to register a branch without equity, "Qianfeng Trust Asset Management Co., Ltd.", referred to as "Qianfeng Trust".

The three shell companies each obtained 10 percent, a total of 30 percent of the equity of Kangding Rural Credit Union, and "Qianfeng Trust" obtained 10 percent, and the remaining 5 percent was held by its listed company, "Wushi Science and Technology Co., Ltd."

In short, if you don't follow the vine and check carefully, no one will know that the largest shareholder and the largest owner of Kangding Rural Credit Union is Qian Feng.

The purpose of this is very simple, not to show the mountain dew, hidden behind the scenes, that is, what Wu Shanshan, who once said to Wu Shanshan, who does not understand the domestic market, in this land, in the field of capital, even if you are a behemoth, it is far wiser to be a crocodile hidden in the water than an elephant that scatters joy everywhere.

Of course, the real part of the equity of a shell company under "Shanfeng Venture Capital" was given to Director Wang of the Kangding State-owned Assets Supervision and Administration Commission, which was a deal reached in advance. After the dilution of the transfer, the Municipal State-owned Assets Supervision and Administration Commission is still the largest single shareholder of the Rural Credit Union, and Qian Feng does not hold more than 50% of the equity.

The tacit understanding with Gao Zhengji, Director Wang, etc. has been reached, and when the restructuring of the Municipal Rural Credit Union is completed, after a period of precipitation, Qian Feng will be absolutely controlled by increasing the equity.

......

Another week later, Kangding Rural Credit Union headquarters building, Gao Zhengji and the main leaders of the city government attended, all the new and old shareholders gathered together to hold the unveiling ceremony after the restructuring, Kangding Rural Credit Union changed its name to "Kangding Bank", from a policy banking institution owned by the whole people to a real market-oriented joint-stock commercial bank.

Next, there is the agenda of the shareholders' meeting, and the establishment of the board of directors, the board of supervisors, and the senior management team of "Kangding Bank".

This is the ultimate purpose of Gao Zhengji's attendance at the unveiling ceremony, he wants to sit on the spot, stare at these rabbit cubs below with the attitude of a tiger, and be honest.

Due to historical reasons, the original shareholding structure of the rural credit union is very complex, similar to the alliance of the princes of the large and small credit cooperatives, the formation of a federation headed by the municipal SASAC, the actual personnel, with the right to operate and manage the credit cooperatives are independent, over the years, has formed vested interests of departments and groups.

Now, once the system is reformed and turned into a joint-stock corporate governance structure, the minority obeys the majority according to their respective rights and interests, and the formation of directors, supervisors, and senior teams means handing over the rights that originally belonged to them, which will undoubtedly touch the cheese of many people, and it is inevitable that there will be resistance and prevarication.

The list of directors, supervisors, and senior members was discussed by Qian Feng, Gao Zhengji, and Director Wang, and was proposed by Director Wang at the shareholders' meeting on behalf of the largest shareholder of the Municipal State-owned Assets Supervision and Administration Commission, and submitted to all shareholders for voting.

Through the board of directors, the board of supervisors, and the senior management team are naturally fine, and the rights and interests of Qian Feng and the Municipal State-owned Assets Supervision and Administration Commission are enough.

Gao Zhengji wants the attitude of other shareholders, of course, it is also the attitude that Qian Feng wants to see, to put it bluntly, whoever has a bad attitude, and then dares to fight small groups and small departments, who will be used next to sacrifice the flag to the newly established "Kangding Bank".

Gao Zhengji needs Qian Feng to fully control the "Kangding Bank", and no one is allowed to challenge the authority of Qian Feng's control, first, to make such a bank better and stronger is also a small political achievement; second, the most important thing is to use this to smoothly implement the Huaxia Xingfu Industrial New City project.

Before the vote, Gao Zhengji first delivered a speech, from the height of ideology, understanding, reform, and enterprising, he made a positive evaluation, praise, and prospect of a bright future for the reform of the Rural Credit Union and the establishment of the "Kangding Bank".

The restructuring of the Rural Credit Union has been fermented so far, and the heads of the county-level finance bureaus, supply and marketing cooperatives, agricultural technology stations and other shareholder units know that this matter is led by Gao Zhengji, who would dare to make a mistake.

If you play such a role as Director Wang of the Municipal State-owned Assets Supervision and Administration Commission, even if you are the person in charge of the major shareholder unit, you may not be able to control the scene.

In the end, the list was unanimously approved.

There are 5 members of the board of directors, 4 of whom are Qian Feng, and the other director is Director Wang, of which Wu Shanshan is the chairman, 7 members of the board of supervisors, who are served by people from other shareholder units, and Wu Shanshan is the president of the senior management team, and 3 former vice presidents of the headquarters of the Associated Press will continue to remain in office, and the heads of functional departments will also remain in the same position.

Qian Feng is naturally not on this list, and it is a last resort to let Wu Shanshan come forward first, and after Qian Feng finds a suitable person, he will return her.

The Spring Festival is coming soon, and according to the conventions of the past years, Qian Feng will go to the capital to pay New Year's greetings to his teacher when he was in college, and he wants his teacher to recommend one.