Rebirth of the Official Business Route

Yihua didn't sleep well all night. He tossed and turned until the light of day finally fell asleep. He felt that his eyelids were a little swollen. The curtains had been drawn, and the glare of the sun shone directly into his eyes. He touched his watch from under the pillow and saw that it was past eight o'clock. . *Academy

Li Yihua put on his shirt and trousers, and it was very quiet outside. His son and daughter had gone to school, so it wouldn’t be so quiet. He opened the bedroom door and saw his wife knitting a sweater on the old cloth sand in the narrow living room, complaining: “Now it’s all What time is it, why didn't you wake me up? It's already late.

Is anyone in charge of your lateness? Li Yihua's wife turned around and asked suspiciously, You were tossing and turning on the bed yesterday, did you miss some vixen?

Which vixen has a charming wife? Li Yihua said duplicity, thinking that what Zhang said in the business hall yesterday was very straightforward, and the people at the counter listened to it, so I don't know if it reached Zhao Shi's ears. Li Yihua felt a little uneasy, seeing that gruel was prepared for breakfast in the kitchen, and it hadn't cooled down in the rice cooker, Li Yihua didn't have the patience to wait for the hot porridge to get cold, so he pushed the cart out of his yard. When choosing a house, he deliberately chose the middle apartment on the ground floor. After his son and daughter grew up, he built another one in the yard, which was barely enough for a family of four, but this kind of house only had a small dining room and no living room. The house in the house is dimly lit, and on a sunny day outside, it feels like dusk at home. Fiction novel chapters are updated the fastest

Li Yihua stayed in the office all morning and wanted to call Tang Xueqian's secretary, Xu Rui. Yesterday he gave them the contact information of Zhang Yan and Xu Rui, but yesterday he heard from Su Chaodong that Zhang was just a senior in high school. It's Zhang Zhixing's son, so he didn't take it too seriously, and threw Xu Ruiping's business card into the trash can, but he memorized the mobile phone number on the business card, this thing, just look at it twice, and won't forget it in three or four days.

Li Yihua felt that he was watched by those sharp and deep eyes all morning. I hesitated all morning and didn't call. It wasn't until Su Chaodong called him to go to the cafeteria for lunch that he said: You go first, I still have some things at hand... Seeing that everyone else in the office had left, he picked up the phone...

shutdown! How could Xu Ruiping's cell phone be turned off at this time, or is there something wrong with his confident memory?

Although the landline of the municipal government can be found, it is better to call the mobile phone first for such unreliable matters. He ran to the corridor outside the liquidation department on the third floor. The trash can that hadn't been cleaned for several days was cleaned today.

###############################################

Tang Xueqian's office is very simple. Except for the bookshelf on the ceiling, there are only two pots of asparagus bamboo in the corner.

Watching Geng Jianzhong bring in the materials, Zhang Ke sat leisurely opposite Tang Xueqian, while Xu Ruiping stood up dutifully to help Geng Jianzhong receive the materials.

Tang Xueqian didn't have much affection for the people in the municipal government office. It was quite tolerant not to clear these people out of the municipal government office. He transferred Geng Jianzhong from the Education Bureau to be the secretary-general. The secretary general of the municipal government, according to the documents, it is a transfer at the same level, for those who are determined to manage their careers. But it was a solid step forward.

Xiao Xu, your Xu Ruiping.

Oh, Tang Xueqian raised his head, I asked him to turn off the phone.

Geng Jianzhong just asked casually, although he is Xu Ruiping's leader, but Xu Ruiping was personally selected by Tang Xueqian to enter the city government, so he can still raise eyebrows at Xu Ruiping's small mistakes in work? Hearing what Tang Xueqian said, I thought that there might be some other reason. Xu Ruiping was clearly in Tang Xueqian's office, but after lunch he told the people below that he had told the story, and several deputy secretary-generals couldn't find him. * Academy Geng Jianzhong didn't ask much. After Tang Xueqian signed the document, he walked out.

Tang Xueqian looked at his watch and said, The time you said is almost up, will this Li Yihua come?

Who knows? It's just a small obstacle. It looks like a prank was played with him. Zhang shrugged, Xinhe Lianhe has many problems. We should use Xinhe Lianhe as the foundation to form a city commercial bank, and let Xinhe The real rebirth of the Associated Press, rather than a superficial change from a corporate form to a small commercial bank, has many obstacles to overcome, and the management work is not something ordinary people can do.”

Tang Xueqian sighed softly and shook his head. The problem of credit unions is really serious. There are 12 urban credit cooperatives in Haizhou City with a total asset of only 1.2 billion, a loan scale of less than 500 million, and a 42% high non-performing loan ratio. There are more than 800 employees. According to the standard of commercial banks, the staff is nearly double. Some credit unions are contracted by individuals, just like their own inventory. Some credit unions are almost bankrupt, and their materials and files are incomplete. Since urban credit unions have always been a financing tool that the local government can directly control, and the personnel arrangements for the credit unions are also directly led by the local government, it can be said that the credit unions and the local government are intertwined. It's an easy job, and it's really not for ordinary people to revive a city commercial bank from such a mess.

The quartz clock hanging on the wall was ticking away, and the agreed time had passed. Xu Ruiping wanted to say that Zhang Ke overestimated Li Yihua's toughness. Geng Jianzhong knocked on the door and came in, saying: Mayor Tang, there is a man named Li Yihua came over and said that it was you who asked him to meet at this time, I looked at the arrangement for this afternoon, it seems that there is no such thing...

Tang Xueqian smiled and asked: The other person is still outside? Maybe there is something wrong, Xiao Xu, go and ask him to come in.

Geng Jianzhong's words were concise and to the point, but he could tell that Li Yihua had asked him to stop him for a while. It should be Li Yihua's insistence that he came to ask.

Li Yihua was sweating with guilty palms in the reception room. The secretary-general in charge of Tang Xueqian's schedule said that there was no arrangement for a meeting, and he insisted on asking Geng Jianzhong to ask, which was like stepping off a cliff.

When Xu Ruiping came in, he didn't recognize Xu Ruiping, he just stood up with his body bent, pretending that Geng Jianzhong was impatient

Just find someone to chase him away.

I'm Xu Ruiping, Mayor Tang is waiting for you in his office.

Li Yihua reached out to shake hands, and his knees hit the corner of the glass. A loud noise made him shiver. He saw the disposable paper cup half filled with pure water swirl on the glass, and finally did not fall down. He felt relieved. With a sigh of relief, he followed Xu Ruiping out of the reception room and walked over to Tang Xueqian's office. Such a short way. He tried his best to calm himself down, how many times in his life can he have such an opportunity!

Seeing that Li Yihua was at a loss under great psychological pressure in the reception room, and then he breathed evenly when he walked to the mayor's office, Xu Ruiping thought it was a good effort to be calm.

Seeing Li Yihua and Xu Ruiping coming in, Zhang Ke stood up and said with a smile: Yesterday I heard Deputy Director Li explain in detail some of the current disadvantages of the Credit Union, and I almost relayed it to Uncle Tang... Did you listen to it today? What good solution does Deputy Director Li have? The latter sentence turned to Tang Xueqian.

Tang Xueqian stood up and pointed to a chair beside Zhang Ke. Ask Li Yihua to sit down; Xu Ruiping went to help Li Yihua make a cup of tea and came in. *Academy

The entanglement of all problems lies in the government holding rights. According to national regulations, when establishing a city commercial bank, the local government can use financial budget funds to invest, but the shareholding cannot exceed 30%. The usual local practice is to attract local state-owned enterprises to invest in the shares, and the local finance directly holds the shares. Realize holding in disguise.

Naturally, Li Yihua can't intervene in these fundamental issues, which involve the game between the shareholders and the market. Kumho, Haiyu, and Shengxin promised that their subsidiaries would not seek financing from city commercial banks. And provide a certain deposit support for the development of city commercial banks, and also increase the proportion of funds allocated directly from city commercial banks for municipal engineering construction in the city, so as to ensure that the established city commercial banks will mainly support the development of high-quality private enterprises in Haizhou. The city directly intervenes in the transfer of management and personnel of the city commercial bank, ensuring that the board of directors and the board of supervisors are not in vain, as well as guaranteeing the veto power of board members over credit review, and the mechanism for the withdrawal of participating shareholders, etc. Tang Xueqian supports all these conditions. But these agreements. Not only must the Municipal Standing Committee meet for deliberation and approval, but also report to the provincial government and the Provincial Banking Regulatory Commission for deliberation.

Zhang Ke and the others wanted to hear from Li Yihua whether there was an effective and fast solution to the current management of the urban credit cooperatives. The so-called fast means to cut the mess quickly. For example, nearly half of the redundant staff was abolished. For example, to reverse the current low public service awareness of credit unions, these are all obstacles. The management needs to have the courage to solve the problems without making the people below make a fuss.

Li Yihua is a smart person, Tang Xueqian finds himself unconventional, and absolutely does not want to see a moderate way of thinking to solve the current predicament of the credit union. He sorted out his thoughts a little bit, and talked eloquently: ...downsizing personnel and implementing the performance appraisal system are the two roads that the Xinhe Union is urgently taking at present. The downsizing of personnel is divided into three steps: establishment, elimination, and layoffs. At present, the mortgage business of the credit union can be completely divested to the Municipal Public Security Bureau. This alone can reduce nearly a hundred people. For those employees who are too old and not suitable for business development, they will be completely bought out according to their length of service, and then the last position will be implemented. The elimination system will not only further reduce the incumbents, but also improve the professional level and service awareness of employees...

Zhang Ke heard what Li Yihua said, smiled at Tang Xueqian, and said: These handling methods are really not harmonious. I have seen the staffing situation of the Credit Union, and the situation of cadres is even more serious. There will be more people visiting from the municipal government... In 1996, there seemed to be no such thing as building a harmonious society.

Miscellaneous people who can be assigned to the cadre establishment of credit unions are more difficult to deal with than ordinary state-owned enterprise workers, and some people may have strong social activities. These people are often not successful enough to cause trouble, and if they are not cleared out, it is really difficult to change the management and rectification; to clear them out, their ability to make troubles is a headache, to a large extent depends on the support of the city strength.

Tang Xueqian smiled and said: The labor pains that should be experienced, I still have to endure.

Li Yihua was relieved, and continued: ...while reducing the number of personnel, the performance appraisal system will be gradually promoted. The industrial account manager system will resolve the interest difference between deposits and loans into simulated profits, and the account manager can be commissioned proportionally. , so that the income of the account manager is linked to the deposit; the salary income of the counter staff is also broken down into three parts: basic salary, deposits, and business volume. If the counter staff actively pulls deposits, they can refer to the commission of the account manager; It is linked to the profit of the branch, and the income gap between the branches is widened. Even if the annual income gap is dozens of times, there is no problem; Income is calculated based on the company's profit completion. In addition, reforms and optimizations have been implemented in the bank's internal control and organizational structure.

Implement centralized and vertical management on major businesses such as accounting, auditing, and cash. Especially credit review management...

Zhang Lang put his palm on his chest, and listened to Li Yihua's eloquent talk while thinking. After Li Yihua finished speaking for a while, he moved his body and didn't speak.

Tang Xueqian came over and shook hands with Li Yihua, and said: Your words are very helpful to us. Thank you for coming here this afternoon. Let Xu Ruiping send Li Yihua out.

Watching Li Yihua go out, Tang Xueqian touched his forehead and said with a smile: I want to cut off the inertia that the credit union has cultivated for decades, not to mention those who have been downsized, those employees who are on the job Can jump up. Even if the annual income gap is dozens of times, there is no problem, he is no problem, and I have a big head here.

Zhang Ke licked his lips, and implemented it in accordance with Li Yihua's performance appraisal system, within the same system. The income gap for the same position may be huge, and it will be easier to say ten years later, and it will still cause a big impact in 1996. He smiled and said: Uncle Tang, I found someone for you, whether you need it or not The city decided to...

You have

say? I think we should absorb him into the preparatory committee first, and then we will talk about the establishment of Chengyi. Everyone wants to stuff private goods into it, and Jincheng also submitted a letter of intent for visiting. What Zhou Fuming meant was that since Shengxin had all participated in the shares, there was no reason not to accept Jincheng.

No problem, the promise made by Kumho, Haiyu, and Shengxin. As long as Jincheng can accept it. Zhang pouted.

Indifferent attitude.

In 1995, the state urged all localities to establish city commercial banks on the basis of urban credit cooperatives, allowing private capital to participate in shares. However, there are strict restrictions on participating shareholders' loans from city commercial banks, and Kumho, Haiyu, and Shengxin all made promises that their subsidiaries would not borrow from city commercial banks. Zhang wanted to use the city commercial bank as an important tool to develop and gather private capital in Haizhou, and did not regard the city commercial bank as a direct financing tool. Zhang Ke thought that Zhao Jinrong wanted to participate in the city commercial bank. On the one hand, the investment in the banking industry was quite profitable. It is convenient for financing after participating in the city commercial bank, and put an end to his financing convenience, and see how much enthusiasm he has left.

This matter is still going to be bullshit. There are different opinions from different places. The preparatory team cannot force them to make commitments that are not stipulated by the state, but they can use this as an excuse to prevent Jincheng from sending people into the Xun Council.

That's fine. Zhang smiled, The city commercial bank won't think it has too much capital.

International practice requires that the capital adequacy ratio of commercial banks should not be lower than 8%. If the loss of non-performing assets of the Haizhou Urban Credit Union is to be accrued, the total capital of the credit union's core capital and subsidiary capital is Negative, that is to say, the capital adequacy ratio of the Credit Union is negative, and the net assets are negative. If the loan ratio is above 30%, except for the resources of business outlets and the channels to enter the banking industry that are worth coveting, other things might as well go bankrupt.

At present, one of the focuses of various companies is that since the long-term non-performing assets of urban credit unions cannot be stripped out, how much discount should be discounted before being included in city commercial banks? No one will fully pay for non-performing assets, such as Kumho, Haiyu, Shengxin, even Jincheng who wants to come in.

Zhang Ke optimistically estimates that after accruing losses of more than 200 million non-performing assets of urban credit unions, its capital adequacy ratio is likely to be cleared, and the injected capital can barely make the capital adequacy ratio of city commercial banks reach 8%,,

Struggling for the city commercial bank to be listed before the end of tomorrow's spring is also a matter of my heart.

It's best to be listed early this year. Zhang Ke said.

Kumho doesn't rely on the funds of the city commercial bank. Do you have any new ideas for going to the provincial capital this time? Tang Xueqian looked back at Zhang Ke, Listen to Tang, you went to the provincial capital this time, and Secretary Tao Jin Liu Zhijun, your secretary, met?

Well, Zhang Ke nodded, and said, I also met with Ye Zhenmin the next day. They praised Haizhou's economic development very much. They have some good words. Would you like me to repeat them for you?

Hehe, Tang Xueqian smiled. Some of Liu Zhijun's words can represent Tao Jin. As long as Tao Jin is satisfied with the current situation in Haizhou City, there will be no big crisis. We won't just talk about this, let's talk Your new idea.

The article by Ye Zhenmin will be published in the internal reference in two days, aren't you already reading it, Uncle Tang?

I'm reading it, but this time I'm enjoying high-level treatment. If this article is thrown out, it will cause some waves. Tang Xueqian asked, Are you guys discussing this?

Ye Zhenmin is one of the important decision-makers in China's trade with East Asian countries, and suddenly throwing out an opinion that is contrary to the mainstream trend of thought is bound to cause some waves even in terms of external and internal reference. After the discussion in the Ye family's old house, Ye Zhenmin quickly wrote an article and passed the manuscript to Zhang Ke to read first. Give it to Tao Jin.

We are not very optimistic about the economic situation of East Asian countries in the next few years, Zhang Ke said, However, the economic turmoil in East Asian countries is very good for the country.

How do you say it? Tang Xueqian just read the article, but he hasn't seen it through yet.

The financial turmoil caused by the flaws in the financial systems of Southeast Asian countries can easily affect the manufacturing industry. If industrial capital has the ability to foresight, it should gradually withdraw from these countries and regions for safety; these countries and regions are aware of financial The correct approach is to take measures to drive speculative capital out of the country gradually, which will inevitably increase the survival pressure of industrial capital in these countries and regions, and the outflow of industrial capital from these countries and regions is also inevitable; if it is not handled properly , the financial crisis will increase the flight of industrial capital, and the domestic market with a population of 1.2 billion is undoubtedly an excellent safe haven for industrial capital. From the perspective of the international environment, I think that in the next few years, it should be the domestic development. It is a big place to attract investment and develop the manufacturing industry. In the past 30 years, with the rise of Hong Kong, Chinese businessmen in Southeast Asia have naturally formed a Chinese business circle centered on Hong Kong. After more than ten years of reform and opening up, Chinese business capital has spread to the mainland. Tomorrow, the return of Hong Kong and the opening of a mainland market with a population of 1.2 billion, coupled with the economic instability in Southeast Asia, will catalyze this diffusion process. I think we in Haizhou can make more active preparations and run city commercial banks in advance. One of the...