After some intensive planning, Mr. Mu and his entourage officially arrived in Anxin and began to negotiate the establishment of a private bank.

The conference hall is on the third floor. The roof of the multi-meter-high bungalow, the wall is hung with old black and white photos of Anxin during the most prosperous period of the Republic of China in the last century, all the furniture is also designed in the most popular style at that time, and the roof adjacent to the conference hall is made into a roof garden restaurant, which can accommodate hundreds of people for gatherings.

Lu Zhengdong and Mr. Mu walked up to the rooftop and looked down on the surrounding buildings.

"This piece. It will become one of the absolute landmarks of the entire Midwest in the future. Thus surpassing several major central cities in provincial capitals and neighboring provinces. ”

When Lu Zhengdong said this, he was subtle and low-key, and his expression was mixed with some reserve, which was completely different from the high-spirited spirit when he was in Xihe. But it says the same thing - it's not just money that can be done.

The two made a few turns to the four-story building next to the venue. In the same style, the study is connected to the balcony, the lights are not turned on, and in the thick night, looking at the government building opposite, both of them seem a little excited. Dominant one qiē, that's right.

Sitting on the calfskin sofa, Mr. Mu took a gift bag and handed it to Lu Zhengdong, which contained several boxes of Cuban cigars.

Mr. Mu took out two of the other excellent cigar holders, cut the mouth and took the igniter to burn slowly, and handed over one to Lu Zhengdong:

"I came in a hurry, I didn't bring all the good things. I'll give it to you next time. ”

Lu Zhengdong waved his hand absently. The cigarette butt lit up, and a long cloud of smoke was pleasantly exhaled.

"Zhengdong must be very concerned about the National Banking, Securities and Insurance Work Conference, right? The meeting emphasized the continued promotion of financial reform and rectification. It is important to do a good job in financial management and supervision. The financial system should adhere to the principle of prudent operation. We should intensify support for economic development and reform in various aspects. Practical and effective measures should be taken. Vigorously improve financial services and provide strong support for promoting economic development and the reform of state-owned enterprises. It is necessary to fully understand the importance, long-term, and arduous nature of guarding against financial risks, actively take advantage of the present good opportunity, continue to promote financial reform and rectification, improve and strengthen the financial legal system, and further do a good job in preventing and defusing financial risks.

Immediately after this meeting, Minsheng Bank also held a national branch presidents' work conference, which determined the operation and management ideas: continue to adhere to the 'double stability' business policy of steady operation and progress while maintaining stability. To improve the construction of the 'four systems', highlight business innovation and market expansion, especially in supporting small and medium-sized enterprises, we must give full play to our unique role and walk in front of many banks. ”

Mr. Mu glanced at Lu Zhengdong quite playfully when he said this.

There have been many major events in the banking and financial industry this year, and of course, for Lu Zhengdong and Mr. Mu, the focus is on the state's policy on private banks.

As the central bank's attitude towards the operation, management and development of Minsheng Bank, the leading private bank, it is a weather vane that can reflect the general direction.

People tend to keep their eyes on the big giants, but in a real sense, what is the level of development of small and medium-sized enterprises. It is the cornerstone of whether a city can do more.

"Don't miss the opportunity, you won't miss it."

Lu Zhengdong is a pun. In a fundamental sense, he hopes that the establishment of private banks will enable Anxin to get a head start and give Anxin an additional financing channel for small and medium-sized enterprises, which is an opportunity.

On the other hand, in the new century, the new leadership of the central bank needs to make breakthroughs, make innovations, and make achievements in financial reform, and this is indeed a rare opportunity. Lu Zhengdong believes that Mr. Mu is also very aware of this.

Mr. Mu nodded, the establishment of people's livelihood, maybe there are no people in this circle who are more familiar to him, but familiarity is one thing, and it is another thing to tell it, especially in front of Lu Zhengdong.

Mr. Mu didn't know how much Lu Zhengdong knew, but he was sure that he must have more than some other professionals in his circle.

The banking industry is a real feast of capital, but it is too far away from ordinary people.

Mr. Mu squinted his eyes, the tip of the cigar suddenly lit up, and a burst of smoke with a rich fragrance dispersed with the wind, encompassing the two figures.

"It's really a hero's vision."

Perhaps from the beginning of this cooperation, there is no need for the usual politeness between him and Lu Zhengdong, which is exactly what he wants to see the most.

The two of them stood outside for a while, and it wasn't until Lu Zhengdong's secretary Xiao Deng came to report that the time was up, and the two walked into the conference room.

The first to come to power was the vice president of the former Agricultural Distribution, Li Honda, who was indeed full of land to be honest. According to Mr. Mu, he returned to China quite early, and has experienced ups and downs in the domestic capital market, and has been going around at all levels. It seems that he is going to be used to be the person in charge of the operation of a private bank, and it is said that the price spent to poach him is very large.

Lu Zhengdong held the outline of the speech handed to him by Xiao Deng in his hand, and it took him about a minute to quickly flip through it.

His title is "Risk Control in the Banking Industry", mainly about the Basel Accord, which is currently the "sacred treaty" that the world banking industry adheres to, which not only means the latest rules for risk management in the banking industry of various countries, but also implies the regulatory requirements of the regulatory authorities of various countries for their own banks.

In terms of the evolution of the agreement, the initial agreement emphasized the minimum capital requirement for banks, and the risk at this time mainly reflected the credit risk of specific assets, thus "missing" many important issues.

Li Honda is keenly aware of this and believes that in the development of financial integration, financial innovation and technology, a new financial system has been formed.

In terms of risk supervision with capital adequacy ratio as the core and credit risk control as the focus, it provides a relatively complete internal comprehensive risk management system for banks.

Risk is the uncertainty of the outcome, and it is something that is present all the time. Because it is an ex-ante concept, it is therefore for banking businesses. These things will affect the ability of a business to achieve its business goals. As the banking industry is a high-risk industry. Therefore, risk management is the top priority of all banking enterprises.

The content of financial risk management includes risk identification, risk measurement, risk decision-making and implementation, and risk supervision. The risks faced by banks mainly include credit risk, market risk, and operational risk.

Basel II came into being against the backdrop of rapid financial innovation. Its essence focuses on the differentiation of risk, which requires enhanced methods of assessing credit risk. The minimum capital requirement for a more risk-sensitive approach seeks to provide incentives that are more mindful of risk differences. The new agreement consists of three main pillars, namely:

The first pillar, the minimum capital requirement, provides the capital accrual standards and alternative methods for credit risk, market risk and operational risk from the perspective of fund managers and risk managers.

The second pillar is the supervision and inspection of banks' internal risk capital assessment, mainly from the perspective of regulators to explain the important role of their participation in financial risk management.

The third pillar. The increase in market constraints on the provision of meaningful information disclosure is mainly based on the perspective of investors, abandoning the previous view that "bank information should not be disclosed", and formulating specific qualitative and quantitative standards for information disclosure in the four areas of the new agreement: scope of application, capital composition, risk exposure assessment and management procedures, and capital adequacy ratio.

Although Lu Zhengdong's name is rustic, and he also has some fake foreign devils, he really has goods in his stomach, which really talks about the point, and Lu Zhengdong can't help but applaud after hearing it.

Mr. Mu on the side saw that Lu Zhengdong's face was also colorful, and he smiled and whispered:

"Zhengdong. This person is barely reasonable, right? ”

Mr. Mu looked at Lu Zhengdong as if he had something to say, raised his head again and said:

"Everyone. Mr. Li's views seem to be of great interest to everyone, please Mayor Lu also comment on one or two? ”

Lu Zhengdong really wanted to take this opportunity to talk about his thoughts, so he nodded and said:

The Basel Accord born in 1988 should be amended with the changes of the times, and there should be a new bank risk measurement framework, requiring the establishment of an internal rating system, amending the standard law provisions, providing a calculation method for credit risk mitigation transactions, asset preservation, and updating operational risk requirements. The requirements for the development technology and data collection of the model are relatively high, and the complexity is amazing, and the difficulty of operation can be imagined.

For example, there are two main methods for the provision of credit risk capital: the standard method and the internal rating method, the former is mainly for banks with low level of development and mainly rely on external ratings for risk management, and the latter method is mainly for those banks with a relatively high level of risk management and the ability to conduct internal ratings.

For market risk, there are mainly standard methods and internal model methods, the former is mainly to divide the risk into five main categories, for each category to calculate the required risk capital through a fixed formula, and then add these five categories to obtain the market risk faced, but the method also requires the calculation of the specific risk faced by bonds and stocks. The latter method is mainly for banks that meet specific requirements to use the VAR technology based on the financial market to make the minimum risk capital provision; For operational risk, there are mainly basic index method, standard method and advanced measurement method to calculate the minimum risk capital, and the ...... is adopted in order from low to high according to the level of bank risk management."

Lu Zhengdong described some development trends in this regard in simple language as much as possible:

"Although several large banks in China's banking industry have undergone non-performing asset stripping, share reform, the introduction of strategic investors, and listing, their operating performance and asset quality have been qualitatively changed and quantitatively improved, but the "rough ratio method" of the domestic banking industry has not changed, and the risk management level of the banking industry needs to be improved, which can be seen from the semi-annual reports of several large banks that have been listed in China, and they are still immersed in the past ...... of "risk measurement"

Lu Zhengdong glanced at the audience and said:

"As we soon join the World Trade Organization and go global, we have to play according to the rules of the game of globalization, and we can't always hold on to a period of protection. There is a fantasy of certain special care. Only in this way will private banks have more opportunities to develop and grow......"

Luo Zhixian listened to Lu Zhengdong's speech. She felt a lot in her heart, originally she admired Mr. Mu's face when she heard Li Hontian's speech, this guy who has great influence in the financial circle generally does not sell face.

I don't know how many people present can really understand the financial professional knowledge in Li Honda's speech, but she can still understand it, which she is also proud of.

And Lu Zhengdong's subsequent speech simply made Luo Zhixian a little incredulous, Li Honda was just throwing bricks and stones. Lu Zhengdong's words are the real pearl.

This can actually be seen as a baptism for these high-end investors.

Lu Zhengdong's thinking is very jumpy. It's also very informative, which presumably has to do with the environment. At least Luo Zhixian felt that it was quite successful.

After Lu Zhengdong finished speaking, when everyone focused on the next speaker, Lu Zhengdong glanced at her a little ambiguously, the meaning in Lu Zhengdong's eyes, Luo Zhixian understood it, and she smiled a little shyly.

She felt a little bitter in her heart, she probably couldn't escape the fate of the black market lady in her life, but she was quite satisfied with the current result. She knows that around a man like Lu Zhengdong. There will definitely be no shortage of women. Vase, play on the spot. She must have a lot of competitors, and all she can rely on is the little ambiguity between her and Lu Zhengdong that no one has ever spoken, which is definitely not good......

In the provincial capital, after taking a bath, Liang Mei changed into a silk nightgown, only to see that the thin fabric was gently covered on the fair and mature delicate body, and it rose and fell along the exquisite curves of her body!

Her jade pajamas were open, revealing the snow-white and smooth icy skin on her chest. The breasts on the chest protrude high, propping up the pajamas into two towering and majestic tents!

The skirt of the pajamas was short, probably just above her knees. Although you can't see the charming thighs, the round and toned calves are just as attractive! The fair skin is crystal clear, and the blood vessels on it are faintly visible!

From time to time, her body writhed slightly, exposing all the graceful curves of her body to the eyes of the air. The waist is slender, and the balance is grasped. The jade buttocks are slightly raised, full of elasticity, and the high curved arc makes people can't help but want to step forward and touch it!

Liang Mei never paid attention to this kind of clothing before, but now it is different, although because she is a female leader, she must dress generously and appropriately on formal occasions, but in a private environment, she also hopes that she can be more sexy and charming.

Liang Mei leaned on the sofa, casually pressed the remote control board, and adjusted the TV channel.

The climate of Beihu Lake has always been very sultry, especially in the provincial capital, because the coverage rate of the urban forest is far less than that of Ningling, and it is located in a slightly concave pot bottom area, there is no wind, and the heat island effect makes the entire provincial urban area in a sultry state.

This kind of evening weather is even more sultry, even if you just take a bath, or a few minutes, there will be a feeling of dryness on the body, which makes people very uncomfortable, Liang Mei can only let the air conditioner be turned on all night, only in this way can she sleep peacefully all night, but this also has no sequelae - when you get up in the morning, your head will have an indescribable feeling of dizziness.

The announcer of Beihu News Network always gave Liang Mei a bit of a weird taste of yin and yang, but the big man was a little sissy when he read the press release, which was what Liang Mei felt most uncomfortable about.

The announcer of the TV station tried his best to arouse the enthusiasm of the audience, but his voice was always difficult to let Liang Mei go, except for a good news, how could it become bland in his mouth? Is this a problem with the copywriter, or is his voice too flat?

Liang Mei was thinking about it, and suddenly stopped:

This afternoon, Zhan Jidong, secretary of the Anxin Municipal Party Committee, and Lu Zhengdong, mayor of Anxin, met with Lu Changsheng, director of the Office of the Central Financial and Economic Work Leading Group and deputy governor of the central bank, who came to Anxin to investigate and investigate the financial reform and development of Beihu. The guests and hosts had a conversation in a very friendly atmosphere, and hoped that Director Lu and his entourage would be a complete success in this investigation......"

Liang Mei pondered as she said "Huh" to herself:

"Zhengdong seems to have staged another good show?"

Liang Mei also heard that Lu Zhengdong had done enough to make a good article on Anxin Automobile, which made Liang Mei also worry about Lu Zhengdong for a while, after all, this matter is a secret fight, any slight action may cause an overall reaction, Lu Zhengdong's work style of opening and closing may not be suitable for secret fighting, if you fail, it will cause a big blow to your prestige.

Liang Mei also called to ask Lu Zhengdong, but the phone was not clear in a few words, Lu Zhengdong only said that he knew that the crux of the problem would be dealt with well, and he didn't know what the final result would be, but in the end, it was a big bidding, and obtained national policy support to go out to the upstream industry to extend the industrial chain, this action even in inland provinces like Beihu also caused quite a stir.

This matter seems to have just calmed down, and Liang Mei heard that Lu Zhengdong intends to make a move in the financial industry, but the banking industry is very important, and I am afraid that it needs to be coordinated and considered by the above, but I didn't expect Lu Zhengdong to do this matter quietly.

Liang Mei couldn't help but smile bitterly, why did Lu Zhengdong lift so lightly?

The economic development growth rate of Anxin City has been fundamentally changed, and it has won quite high praise from the vast majority of people, including the general public and no superior leaders.

If it weren't for Zhan Jidong's non-cooperation, Lu Zhengdong's effect would have been even greater. Zhan Jidong is ambitious and talented, and he really doesn't dare to compliment.

However, if the first and second leaders of this team want to cooperate tacitly, they have to talk about fate, and not just any municipal party committee secretary and mayor can achieve the ideal state.

Just pondering, the phone resting on the coffee table rang, and it seemed that Lu Zhengdongda saw the missed call on the phone and called back.

"Hey, why did you call at this time, why didn't you answer the phone just now? As soon as Liang Meili heard the other party's hearty and magnetic "hey", her mood became a little complicated, and something like a cat scratching surged in her chest...... (To be continued......)