Rebirth of the Official Business Route

During this time in Xinwu, it seems to be an exhausting vacation, and the emotion makes people feel relaxed after leaving Xinwu. How can I sit in the reading room of the library and blow the forest branches? The breeze blowing from the head is free to search around for beautiful women who are seductive?

After autumn, the heat of Haizhou has passed. Zhang Ke sat in front of the window covered in thick shade, holding a book in his hand, not feeling the heat of autumn heat at all, and how many beautiful girls in No. 1 Middle School like to read Those who study in the living room, read a book for a while, look up for a while, and read a book for a while, with a calm mind. Spending the afternoon like this is a hundred times more nourishing than racking your brains in Xinwu; The final exam is only one day for myself to review, no matter how hard I work, it is not enough. Novel chapters are updated the fastest

In the new semester, there will be a new batch of high school and junior high school freshmen, and there will probably be a few delicate and fresh faces.

What are you looking around for? Tang picked up the book and shook it in front of Zhang Ke's eyes, Read the book carefully for me, if you fail the exam, Aunt Liang will definitely blame me for not taking good care of you...

My mother isn't so unreasonable. Zhang Ke smiled slightly. After looking around, he still thinks that Tang is the most beautiful girl. She is as straight as delicately carved from flawless jade. Under the bridge of her nose is a delicate red lip, biting the penholder. , showing a circle of white teeth, very tempting, Zhang Ke wanted to touch Tang's lips lightly, and heard two coughs from far behind. The administrator of the reading room, the middle-aged woman who was in menopause, stared at it intentionally or unintentionally all afternoon, as if she was full of thick phlegm, as long as Zhang Ke wanted to openly frivolous Tang in the reading room. Even with some intimate movements, she kept coughing. Fiction novel chapters are updated the fastest

If it wasn't for preventing Tang from being a good boy, Zhang Ke had long wanted to take Tang to lie on the lawn by a lake for an afternoon. Spending the rare leisure time under the watchful eye of a perverted middle-aged woman always felt a bit of a fly in the ointment ——In the reading room, there are obviously several couples of classmates and lovers studying, but the two of them have to sit far away, just staring occasionally, enjoying the sweetness of the young lovers——Zhang Ke and Tang are no different from those classmates and lovers .

Except for the first year of high school students participating in the military training, only the graduating class students on the Nuo Dadi campus were required to go to the school to study for the school—they entered the graduating class in a blink of an eye. The bell rang for the end of get out of class at dusk. Tang closed the book and looked at Zhang Ke, who was sitting in the sunshine of Wen Xi at dusk, with well-proportioned and delicate features on his fair face, and a melancholy and charming radiance in his eyes. The slender fingers pressed on the page, giving people a gentle and elegant feeling. After stretching and sitting all afternoon, my waist and limbs were numb. Stretching out his hands and hips, he was so comfortable that he wanted to groan, seeing Zhang Ke's eyes drifting over, he smiled softly. This shouldn't be a lady's action, but I can't help but want to be presumptuous in front of Zhang Ke.

Okay, I knew you were impatient. Tang Nashu patted Zhang Ke's cheek lightly.

Where is it? I am also reading very seriously.

Zhang Ke and Tang put the book on the shelf. Holding hands out of the reading room. Not afraid that the middle-aged woman came over and warned them to follow the rules of the reading room.

On the platform at dusk. There were many young students waiting for the bus, and the bus with Kewang DVD player advertisements slowly approached the platform. Zhang Qing put his arms around Tang's waist and squeezed into the crowded carriage with the flow of people. At this time, Tang Hui took the initiative to put his arms around Zhang Ke's waist, and leaned his whole body in his arms. There is probably no better place for lovers to embrace openly than a crowded train car.

Next to him was a middle-aged man with the appearance of a government official, holding onto the pole, with his briefcase under his arm, and he was reading the Haizhou Daily on the 27th unaffected. This is a newspaper from two days ago, and the middle-aged man read it with gusto. Zhang Ke put his arms around Tang Jiao's soft and warm body, and glanced at the middle-aged man who was reading a commentary on the central bank's reduction of deposit and loan interest rates. , as if he wanted to put every word in the report into his stomach, his lips moved slightly, as if he was endorsing, thinking that this person was quite concerned about the economy. In 1996, few people would seriously study the loan Review articles on the relationship between interest rates and the economy.

This is the second rate cut this year since the central bank tightened monetary policy in 1993. The last rate cut was on May 1. These two interest rate cuts mean that the inflation that has been somewhat out of control since 1993 has finally come under control, and the country has begun to encourage investment and expand domestic demand. Of course, it also means that the domestic economy is showing signs of overproduction and insufficient domestic demand. Most of the private enterprises' banking doors are slowly opening again. I am afraid that most economists do not realize that the next ten years will be a golden decade for domestic private enterprises to flourish.

Zhang Ke has read this review article carefully. It is a review article written by Zhao Shi, director of Haizhou City Credit Cooperative. It predicts the economic trend in the next few years and its significance to the development of the private economy.

How should private enterprises in Haizhou embrace this most cherished golden decade?

The mobile phone rang, and the middle-aged man who was reading the newspaper was taken aback. He subconsciously opened his briefcase to take out his mobile phone, and saw Zhang Ke take out a newer Ericsson mobile phone from his trouser pocket. Putting the Haizhou Daily from two days ago into the briefcase, he turned his head and looked out the window.

Zhang Ke noticed that this man was kissing Tang through the reflection of the glass, so he brought Tang closer and turned an angle, just to block the middle-aged man's obscene gaze.

Tang Tan turned his head to look at the phone call, his cheek almost touching Zhang Ke's lips. Seeing that it was her father Tang Xueqian's call, he stuck out his tongue and subconsciously stood away from Zhang Ke, but when Zhang Yan was on the phone, she turned her face again. Post it and listen to what her dad said to Zhang Ke on the phone.

Xiao Ke, where are you at this time?

I'm on the bus, Zhang Ke thought to himself, I came out of school with Xiaogang.

That's right, you and Xiao come over to have dinner.

Zhang Co put his cell phone back into his trouser pocket, and looked at Tang in surprise: When did your father be so free? If he doesn't say it, it's as if I won't go to your house for dinner. Tang pouted

His eyes were also puzzled: Perhaps my dad needs to find you for something?

I think so too. Zhang scratched the base of his ear, It seems that nothing good will happen if your father finds me. I think I'd better go to Sister Wanqing's place for a meal.

How dare you... Tang Jiao hugged Zhang Ke's arm angrily.

Get off at the station near the municipal committee villa area, and the middle-aged man who reads the newspaper also got off the car, and followed to the municipal committee villa area. After walking for a while, the man seemed to recognize Tang, pointed at her and asked, ah, are you Mayor Tang's daughter, right?

Oh... Tang stared at the man intently. He still held Zhang Ke's arm.

I'm Zhao Shi from the Municipal Credit Union. Mayor Tang invited me to your house for dinner today...

Ah... Tang learned that this person was going to her house for dinner, so she hurriedly threw Zhang Ke's arm away. How did she know who the city's trusted Zhao Shi was? I just thought that the appearance of embracing Zhang Ke on the bus was like this person. Her delicate face was flushed with embarrassment, Uh...well, I don't know if my dad is at home... Thinking that it was my dad who invited someone to our house, he still said such stupid things. It's all Zhang Ke's fault for making himself unable to bear to lie in his arms.

Zhang Ting wondered why Tang Xueqian specifically called to go to his house for dinner. Did he meet this Zhao Shi? I didn't expect him to be so serious about reading the commentary he wrote on the bus, he smiled lightly, and didn't say anything.

Tang Xueqian is at home. Sitting on the sofa, there is also a copy of Haizhou Daily on the 27th on the coffee table, and I flip to the page of the commentary on CCTV's lowering interest rates. Zhang Ke thought to himself: So I came here to talk about this article. Xu Ruiping was also at Tang Xueqian's home. He has been officially transferred to the municipal government office as Tang Xueqian's secretary. The administrative establishment is at the departmental level, and before he stayed without pay to contract the City Porcelain Factory, he was a sub-sectoral-level cadre establishment.

Still waiting for you. Did you meet Tang on the road? Tang Xueqian watched Tang, Zhang Ke, and Zhao Shi, the director of the Municipal Credit Union, walk in, and stood up from the sofa. I was going to invite you to my office to talk, knock The schedule is full during the day, I think everyone wants to eat, so I invite you to have a meal at home, chat at the dinner table casually, this is Zhang Ke, the boy of Zhang Zhixing's family...

Zhao Shi recognized Tang, so he guessed who Zhang Ke was. Zhang Zhixing's bastard who was outside, looked like Tang on the bus, with his hands on the little girl's nipples, and there was nothing wrong with molestation. What's the difference? He smiled quietly and said, It's very similar to Secretary-General Zhang, so handsome!

It is rare for Zhang Ting to see that Tang Xueqian would invite the following people to his home for dinner. It seems that he appreciates the article in the Haizhou Daily on the 27th. Presumably Zhao Shi can also realize it. He frowned and couldn't hide his pride.

Dinner was almost ready, Tang went to help her mother prepare the dishes, Tang Xueqian ran to the second floor to get a bottle of dry red, but was busy for a long time looking for a screwdriver to open the wine bottle.

Tang Xueqian approached Zhao Shilai because he saw from this article that he had his own views on the economy, and wanted to talk to him. The topic naturally started with the central bank lowering interest rates twice in a row, and talked about the subtle signs of the current domestic economy. Zhang Ke listened to their chats while eating, and felt that what Zhao Shi said could only be regarded as general remarks, and sometimes he directly recited the paragraphs in the article, which was not as amazing as this article showed.

Tang Xueqian was also a little disappointed, he didn't keep Zhao Shi after dinner.

Watching Zhao Shi leave the courtyard through the floor-to-ceiling windows, Zhang Ke said with a smile: I saw Director Zhao memorizing his essay on the bus!

Written moth! It's hard to take the bus for him, Tang Xueqian smiled helplessly, I was just thinking, if Zhao Shi really has this level, the Urban Credit Union will not be in the situation it is today. I don't know if I can find this article The real author... this article has some weight.

Ask Li Mingxue. He should be familiar with people who study economics in Haizhou. Maybe this Director Zhao is the gunman he found in the Department of Finance of Haida University to write this article...

I hope the shooter is in the urban credit union system...

Why? Zhang Ke asked.

Come here, Tang Xueqian said, beckoning Zhang Ke to sit down on the sofa in the living room, The urban credit unions have gradually exposed many risk management problems in the past few years. This time, the province requires all cities to purge urban credit unions, Resolving local financial risks and establishing city commercial banks, I have recently been troubled by this...

Form a city commercial bank, Zhang Ke asked, When did it happen?

In 1995, the State Council required all localities to establish urban commercial banks based on urban credit cooperatives, but the progress of each province and city is different. For example, Huishan has a relatively developed economy, and the province first established a city commercial bank in Huishan as a pilot, and areas with poorer economic development came later. Zhang Ting did not expect to advance to Haizhou.

Just last month, Wen was in the province, and you are in Xinwu.

Zhang Ke bit his lip and said: It is not difficult to form a city commercial bank. I haven't read the provincial document, but I have read the central document last year. It is based on the current urban credit cooperative union. The city Find a few local companies to invest and hold shares, and they can be formed, but I am afraid that localities may not be able to learn the lessons of establishing urban credit cooperatives... Historical experience also proves that in the mid-1990s, more than 100 cities were successively established in various places. After ten years of development of commercial banks, most of them have accumulated quite serious problems. It is nothing more than random loans under the strong intervention of the government or some people, resulting in huge bad debts and bad debts.

The establishment of a city commercial bank not only allows private institutions to hold shares, but also allows individuals to directly hold shares. Is Kumho interested...

Zhang Ke knew that Tang Xueqian took the initiative to find him for dinner. There is no good food to eat.

The registered capital of city commercial banks is only required. Even if private companies are allowed to hold shares, there is a strict prohibition for a private company to hold more than 15% of the shares. That is an investment of 15 million yuan, but Zhang Ke has to consider what this investment can bring to him.

Tang brings tea. Zhang subconsciously went to pick it up. Give

First hand: This is not yours... Zhang Ke smiled. First hand it to Ping Tui and give it to Tang Xueqian. Naturally, the second cup was not Zhang Ke's. He watched helplessly as Tang went back to the kitchen. After a while, he brought out a cup of coffee. Looking at the color of the coffee, Tang added a lot of milk to it. This is Tang's favorite taste. Fortunately, he and Tang shared the drink. It's been a while since I've had a cup of coffee, and I'm used to her taste.

Seeing that Zhang Ke was distracted by the matter of coffee, Tang Xueqian said: At present, some of the more famous consortiums in the world are all centered on banks, controlling a large number of industrial and mining enterprises with huge bank capital, and playing a big role in today's economic activities. Most importantly, doesn’t Kumho have such a vision?”

Zhang Ke smiled slightly and said: Kumho is still a thousand miles away from developing into a truly influential consortium... I don't have that ability, I don't have that, and I don't support key national policies... Zhang Ke Naturally, I know in my heart that the banking industry will gradually open to private capital in the next ten years. It can be said that there will be fewer and fewer restrictions. It will take a long time for Kumho to develop into a consortium with huge influence.

So, have you thought about it? Tang Xueqian asked.

Well... Zhang Ke nodded, there is no need to deny this.

If Kumho can control a commercial bank through shareholding, and then provide commercial loans through the commercial bank to support the development of potential enterprises, it will always have a strong power and influence on these enterprises through the commercial bank. In modern society, this kind of penetration and influence is the truly powerful power.

For example, if Kumho wants to support Century Catering to develop its tourism industry in Xinwu, Kumho will directly provide loans, which will inevitably have a certain impact on the development of Kumho's subsidiaries, but it only needs a relatively small amount of capital to control a commercial bank. By absorbing deposits from the public and enterprises, the capital of the bank can be magnified by more than ten times, and providing commercial loans to Century Catering will minimally affect Kumho's own operations. If the bank has close business relationships with other related companies, it can naturally use the influence of the bank to promote the integration of resources between Century Catering and these companies, and at least get some support from these companies.

Yes, this is the real growth path for Kumho.

In 1995, the State Council formally proposed to require all localities to establish urban commercial banks on the basis of urban credit cooperatives, and also explicitly allowed private enterprises and private equity holdings. This was probably the real beginning of domestic private capital entering the banking industry, but the shareholding ratio was limited. Strictly controlled, but also the idiosyncrasies of private finance capital.

Of course, in the development process of city commercial banks, due to the strong government intervention, city commercial banks have taken many detours in the development process, and there is also a very strict restriction that city commercial banks in various regions are prohibited from operating across regions. That is to say, Haizhou City Commercial Bank cannot expand its banking outlets outside the Haizhou area, so that the city commercial bank has no real opportunity to grow. Under various restrictive conditions and direct interference from the government, only a few city commercial banks have really developed in the end, such as several city commercial banks in Zhejiang Province. The most important experience for the success of these city commercial banks is to reduce the government's direct intervention in banks, so that city commercial banks mainly serve the private economies in the region. Five or six years later, the reason why the private and private capital in these areas can form a group of hundreds of billions of capital, sweeping the real estate market, stock market, energy, mining and other fields across the country, the city commercial banks in these areas play a considerable role important cohesion.

Kumho is developing, and private capital in other regions is also developing. If Kumho develops independently, it will obviously be very difficult to directly compete with hundreds of billions of capital in ten years. Even with Shengxin and Haiyu, the power is very limited, but through the city commercial bank to exert influence on the private enterprises in Haizhou area and form a loosely connected regional economic alliance, with several large enterprises as the core, it can also form a huge capital power.

Zhang Ke bowed his head and thought for a while, then said: If you say you are not interested, you may not believe it. I want to ask, will the city give up the controlling stake? I mean whether it is direct or indirect... Although the document is right There are restrictions on the proportion of shares held by each private institution, but there is no clear regulation on the total proportion of private capital to the total share capital. In theory, the city can give up the controlling stake...

Tang Xueqian said: This issue has been discussed by the Municipal Standing Committee, but the opinions are not unified, and there is no conclusion yet...

What's more, none of us has experience in building and managing a regional commercial bank, Zhang Ke looked at the Haizhou Daily on the coffee table on the 27th, which was still the article commenting on the central bank's interest rate reduction. , Whether this person can do it or not is still unknown.

Always do it, Tang Xueqian said, Since you are interested, then I can ask you to help me share some...

Zhang Ke spread his hands and said: Uncle Tang, you have said it directly. I can't say that you are planning first, and I will decide whether to participate in the final depending on the situation. It's just that my shoulders are thin and small, and I can bear it. Very limited.

Tang Xueqian laughed and said, I just raised my daughter, so I envy your father for having a son to share the pressure for him. If you want to play tricks and don't work hard, of course I can't do anything about you.