Rebirth of the Official Business Route

Yihua didn't sleep well for the whole night. After tossing and turning until the light was shining, he finally felt a little swollen eyelids. The curtains were opened, and the dazzling sunlight hit his eyes directly. He touched the watch from under the pillow, and it was past eight o'clock. . *College

Li Yihua put on clothes and pants, and it was quiet outside. Both his son and daughter went to school. They would not be so quiet. He opened the bedroom door and watched his wife knit a sweater on the old cloth and sand in the narrow living room. What time is it, why don't you wake me up? I'm already late."

"Is there anyone in charge of your late arrival?" Li Yihua's wife asked suspiciously, "You tossed about in bed yesterday, did you think about which vixen?" The chapters of the novel have the fastest update.

"Which vixen has his own charming wife?" Li Yihua said dubiously, thinking that what Zhang said in the business hall yesterday was very straightforward. Such a person at the counter listened to Zhao Shi's ears. Li Yihua was a little nervous. Seeing that gruel was prepared for breakfast in the kitchen, it hadn't cooled down in the rice house. Li Yihua didn't have the patience to wait for the hot porridge to get cold, and pushed the car out of his yard. In picking the house, he deliberately picked the middle set on the ground floor. After his son and daughter were older, he built another one in the yard. A family of four barely enough, but such a house only has a small dining room and no living room. In my house, the light is dark, and the sun is sunny outside, and the house feels like dusk. "Fiction" novel chapters are updated fastest

Li Yihua stayed in the office all morning and didn’t go out. He wanted to call Tang Xueqian’s secretary Xu Rui. Yesterday, Zhang Qi and Xu Rui’s contact information were given to them, but yesterday I heard Su Chaodong say that Zhang is just a senior high school student. It was Zhang Zhixing's son, so he didn't take it too seriously, and threw Xu Ruiping's business card in the trash can, but he remembered the mobile phone number on the card. This game, if you look at it, you won't forget it in three or four days.

Li Yihua felt watching those sharp and deep eyes all morning. He hesitated and didn't make a call all morning. It wasn't until Su Chaodong called him to go to the cafeteria for lunch together, he said: "You go first, I still have something on hand..." Seeing everyone else in the office had left, he picked up the phone...

Shut down! How could Xu Ruiping's mobile phone be turned off at this time, or is there a deviation in his confident memory?

Although the landline phone of the municipal government office can be found, it is better to contact the mobile phone first for this kind of unreliable matter. He ran to the corridor outside the liquidation section on the third floor. The garbage cans that had not been cleaned up for a few days were cleaned up today.

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

Seeing Geng Jianzhong sending the materials in, Zhang Ke sat down opposite Tang Xueqian comfortably, Xu Ruiping stood up quite dutifully to help Geng Jianzhong pick up the materials.

Tang Xueqian doesn’t have a lot of affection for the people run by the city government. It’s quite tolerant to not remove these people from the city government. The secretary-general of the municipal government, the document seems to be equal transfer, for those who are interested in running official careers. It is a solid step forward.

"Xiao Xu, your Xu Ruiping.

"Oh," Tang Xueqian raised his head, "I asked him to turn his hand off."

Geng Jianzhong just asked casually. Although he is Xu Ruiping's leader, Tang Xueqian personally picked Xu Ruiping into the municipal government site. Can he still squint at Xu Ruiping's little mistake in his work? Hearing what Tang Xueqian said, I thought that there might be other reasons. Xu Ruiping was in Tang Xueqian's office. After eating lunch, he told the people below that he had said it out. Several deputy secretary-generals couldn't find anyone else. *Geng Jianzhong did not 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 over?"

"Who knows? It's just a small obstacle. It looks like he played a prank with him." Zhang shrugged. The real rebirth of the Associated Press, rather than superficially changing from a corporate form to a small commercial bank, there are many obstacles to overcome, and management work is not something ordinary people can do."

Tang Xueqian sighed softly and shook his head. The land problem of the Credit Union Cooperative is really serious. There are twelve urban credit cooperatives in Haizhou City with total assets of only 1.2 billion, and the loan scale is less than 500 million. The proportion of non-performing loans is 42% higher. There are more than 800 employees. According to the standard of commercial banks, the number of staff is nearly doubled. Some credit cooperatives contract for individuals, just like their own inventory, and some credit cooperatives are almost bankrupt, and the information and files are also incomplete. Since urban credit cooperatives have always been a financing tool that the localities can directly control, and the personnel arrangements of the credit cooperatives are also directly led by the locals, it can be said that the credit cooperatives are intricately connected with the locals. Just to solve the problem of staffing and land, it is by no means the same. An easy job, to give the city commercial bank a new life in such a mess, it is really not the average person can do it.

The quartz clock hung on the wall was walking ticking. The appointed time had passed. Xu Ruiping also wanted to say that Zhang Ke overestimated the resilience of Li Yihua. Geng Jianzhong knocked on the door and said, "Mayor Tang, there is a letter from the Xinhe Association. Li Yihua came over and said that you invited him to meet at this point. I looked at the arrangements for this afternoon, and it seems that there is no such thing..."

Tang Xueqian smiled and asked, "Others are still outside? Maybe something is going on, Xiao Xu, you go and ask him to come in."

Geng Jianzhong's words were concise, but he could hear Li Yihua approaching him to block him for a while, so he should come to ask if Li Yihua insisted.

Li Yihua was sweating on the palms of his guilty-hearted hands in the reception room. The secretary-general in charge of Tang Xueqian's schedule said that there was no meeting arrangement. He also insisted on asking Geng Jianzhong to ask, it was simply stepping out of the cliff.

When Xu Ruiping came in, he didn’t recognize Xu Ruiping, he just stood up with his body, and only when Geng Jianzhong was impatient.

Find someone to drive him away.

"This is Xu Ruiping, Mayor Tang is waiting for you in his office."

Li Yihua reached out and shook his hand. His knees knocked on the corners of the glass. A sound frightened him. He was relieved when he saw the disposable paper cup containing half a cup of pure water whirled around the glass, and finally did not fall down. In a tone, he followed Xu Ruiping out of the reception room and walked over to Tang Xueqian's office. Such a short distance. He tried to calm himself down. How many such opportunities could he have in his life!

Seeing that Li Yihua was under a lot of psychological pressure in the reception room and was at a loss, when he walked to the mayor's office, he could breathe smoothly. Xu Ruiping thought this calm work was good.

Zhang Ke saw Li Yihua and Xu Ruiping coming in, stood up and smiled and said: "Yesterday, Deputy Director Li explained in detail some of the current shortcomings of the Xinhe Associated Press, and I almost told them to Uncle Tang... Did you listen to it today? Listen to Deputy Director Li, what is a good solution?" The next sentence turned his head and asked 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 in. *College

The entanglement of all problems lies in the "government controlling rights." According to national regulations, local governments can use financial budget funds to invest in the establishment of city commercial banks, but the shareholding must not exceed 30%. The usual practice at the local level is to pull local state-owned enterprises into shares, plus the direct shareholding of local finances. Realize holding in disguise.

Naturally, Li Yihua can't get involved with these fundamental problems. This involves the game between shareholders and the city. Kumho, Haiyu, and Shengxin promised not to raise funds from city commercial banks. It also provides certain deposit support for the city commercial bank exhibition, and also the proportion of the city directly allocated funds from the city commercial bank for the construction of municipal projects to ensure that the formed city commercial bank will support the development of high-quality Haizhou private enterprises as the main credit direction, and restrict The city directly intervenes in the management personnel transfer of city commercial banks to ensure that the Xun Committee and the Supervisory Committee are not hypothetical, as well as to ensure the veto power of the board of directors over the credit review site, as well as the mechanism for the withdrawal of equity shareholders, etc. Tang Xueqian supports these conditions. But these agreements. Not only must the municipal standing committee meeting deliberate and approve, but also report to the provincial government and the provincial banking regulatory commission for deliberation.

Zhang Ke and the others want to hear from Li Yihua whether there is an effective and quick solution to the current management of the urban credit cooperatives. The so-called Xun means to cut the mess quickly. For example, nearly half of the redundant staff have been laid off. For example, to reverse the current low public service awareness of credit cooperatives, these are all great resistances. It requires management and courage to solve the problems that can't make the following turmoil.

Li Yihua is a wise man. Tang Xueqian finds himself out of routine, and definitely does not want to see a modest way of solving the current difficulties of credit unions. He sorted out his thoughts a bit, and talked freely: "...The implementation of the streamlining of personnel and the implementation of the performance appraisal system is the two roads that the Xinhe Associated Press is urgently following. The streamlining of personnel is divided into three steps. At present, the credit cooperative’s escrow business can be completely divested to the Municipal Public Security Bureau. This item alone can streamline nearly a hundred people. For those employees who are too old and are not suitable for the business premises, they will be completely bought out according to their length of service, and then the last position will be implemented. The elimination system not only further reduces the number of employees on the job, but also improves the staff's business level and service awareness..."

When Zhang Ke heard Li Yihua's words, Chao Tang Xueqian smiled and said: "These handling methods are really inharmonious. I have seen the staffing of the Credit Union, and the situation of the staffing is more serious. I see that I will come often in the future. There will be more people coming from the city government..." In 1996, it seemed that there was no such thing as "building a harmonious society."

The casual people who can arrange the staff of the credit union are more difficult to deal with than ordinary state-owned enterprise workers. Some people may have strong social activities. These people are often inadequate and over-failed. If they are not cleared out, it is really difficult to change their management and rectification. To clear them out, their ability to cause trouble is also a headache. To a large extent, it depends on the support of the city. Intensity.

Tang Xueqian smiled, and said: "The pain should be endured."

Li Yihua felt relieved, and continued: "...While streamlining personnel, the performance appraisal system is gradually being promoted. The industrial account manager system resolves the deposit and loan spreads into simulated profits, and the account manager can make a proportional commission. , Which makes the income of the account manager linked with the deposit; the salary income of the counter staff is also broken down into three parts: basic salary, deposits, and business volume. Linked to branch profits, widening the income gap between branches, even if the annual income gap is dozens of times, there is no problem; the income of associate management staff and associate department employees should also be linked to the profit of the whole company, based on the value of the position Calculate the income with the completion of the profit of the whole company. In addition, reform and optimization of the bank's internal control and organizational structure are also implemented.

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

Zhang Lang placed his palm on his chest, listening to Li Yihua talking and thinking, and after Li Yihua finished speaking, he moved his body without speaking.

Tang Xueqian came over and shook hands with Li Yihua, and said, "Your remarks 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 streamlined, but also those on-the-job employees. Will jump up. Even if the annual income gap is dozens of times, there is no problem. He is okay. I'm 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 between the same positions may be huge. It’s better to say a few years later, but it will still have a big impact in 1996. He smiled and said, "Uncle Tang, I will find someone for you. The city decided..."

"you have

say? I think he should be absorbed into the preparatory committee first. In the establishment of Chengyi, everyone wants to stuff private goods into it. Jincheng also submitted a letter of intent to visit. Zhou Fuming meant that since Shengxin had all participated in shares, there was no reason not to accept Jincheng. "

"No problem, the promises made by Kumho, Haiyu, and Shengxin. Jincheng has to accept it." Zhang wailed his lips.

Indifferent attitude.

In 1995, the state urged all localities to set up city commercial banks on the basis of urban credit cooperatives, allowing private capital to participate in shares. However, there are strict restrictions on the shareholding shareholders' loans from city commercial banks, and Kumho, Haiyu, and Shengxin have all made promises not to borrow from city commercial banks. Zhang wanted to use city commercial banks as an important tool to develop and condense Haizhou’s private capital. He did not use city commercial banks as a direct financing tool. Zhang Ke wanted Zhao Jinrong to participate in city commercial banks. On the one hand, the investment banking industry had high profits. It is that after participating in the city commercial bank, it can facilitate financing and eliminate his financing convenience, depending on how much enthusiasm he has left.

"This matter has to be raged. There are different opinions from various places. The preparatory team cannot force them to make commitments outside of the national regulations, but they can use this as an excuse to prevent Jincheng from sending people to the Xunshihui."

"That's OK." Zhang smiled, "The city commercial bank doesn't think it has too much capital."

International practice requires that the capital adequacy ratio of commercial banks should not be less than 8%. If the current Haizhou City Credit Union’s non-performing assets are 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 Xinhe Association is negative, and the net assets are negative. This is not surprising. At the beginning of the establishment of city commercial banks, there has been no non-performing asset divestiture. The average national city commercial bank is bad. With a loan rate of more than 30%, apart from the fact that business outlets and channels to enter the banking industry are worth seeing, it is better to go bankrupt.

One of the focus of attention of various companies is that since the long-term bad assets formed by urban credit cooperatives cannot be stripped out, how much discount should they be included in the city commercial bank? No one will completely pay for non-performing assets, such as Kumho, Haiyu, and Shengxin, even if they want to come to Jincheng.

Zhang Ke optimistically estimated that after accruing losses of more than 200 million non-performing assets of the City Credit Union, its capital adequacy ratio is very likely to be cleared, and the capital injected can barely make the capital adequacy ratio of the city commercial bank reach 8%,,

"Striving for a city commercial bank to be listed before the end of spring tomorrow is a matter of accomplishment."

"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 are going to the provincial capital this time to meet with Secretary Tao Jin Liu Zhijun, your secretary, met?"

"Well," Zhang Ke nodded and said, "I also met with Ye Zhenmin the next day. They all praised Haizhou's economic exhibition. There are some good things. Would you like me to repeat it for you?"

"Hehe," Tang Xueqian smiled. Some words Liu Zhijun said can represent Tao Jin. As long as Tao Jin is satisfied with the current situation in Haizhou, there will be no big crisis. Your new idea."

"The article by Ye Zhenmin will be published in the internal reference in two days. Uncle Tang, are you already reading it?"

"I'm watching it. This time I'm enjoying the level of treatment. This article will be thrown out, and there will be some waves." Tang Xueqian asked, "Are you discussing this?"

Ye Zhenmin is one of the important domestic decision-makers on trade with East Asian countries. He suddenly throws out views that are contrary to the mainstream trend of thought. Even if it is listed in the internal reference, it is destined to cause some waves. After the discussion in the Yejia Old House, Ye Zhenmin quickly wrote an article and passed the manuscript to Zhang Ke for first reading. Naturally, Zhang Ke would no longer point fingers and say anything, and forward the manuscript at hand to Tang Xueqian~www.wuxiaspot.com~ Also reminded Ye Zhenmin to remember to pass a copy 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 good for China."

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

"Financial turbulence caused by the flaws in the financial systems of Southeast Asian countries can easily affect the manufacturing industry. If industrial capital has the foresight, at this time, it should gradually withdraw from these countries and regions in order to be safe; these countries and regions are aware of financial The correct approach is to take measures to drive the speculative capital out of the country gradually, and it will inevitably increase the survival pressure of industrial capital in these countries and regions. 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 escape of industrial capital, and the large domestic market of 1.2 billion people is undoubtedly an excellent safe haven for industrial capital. From the perspective of the international environment, I think the next few years should be domestic exhibitions. In the past 30 years, with the rise of Hong Kong, Chinese businessmen in Southeast Asia have naturally formed a circle of Chinese business circles 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, the opening of a market with a population of 1.2 billion in the Mainland, coupled with the economic instability in Southeast Asia, will catalyze this proliferation process. I think we in Haizhou can make more active preparations to run the city’s commercial banks ahead of time. One of..."