Rebirth Starts From 2006

In the small courtyard in Yuer Hutong, Qin Yu finally got up from the bed, washed and put on makeup, put on her suit, and returned to her usual clean and strong woman appearance.

As soon as she walked out of the room, Fang Qi ran over quickly, "The doctor said you can't blow dry."

Qin Yu waved his hands indifferently, "It's okay. I'm much better after taking medicine. By the way, help me cook a bowl of noodles. I didn't eat anything at noon. I'm starving to death."

After a pause, she shook her head again, "Forget it, I feel like I have no appetite, so go to the entrance of the alley and buy me a bowl of porridge. Hurry up, I have guests coming later."

"oh,"

Fang Qi pointed to the kitchen and said with a smile, "You don't need to buy porridge. When Mr. Chen went out, he specially told you to make a pot of two-meter porridge for you. It's still hot. I'll serve it to you."

With that said, he ran towards the kitchen.

Qin Yu raised his eyebrows and couldn't help but laugh, "Ah, this man is more thoughtful than a woman."

At least Huang Shan couldn't think of making porridge for her.

After saying that, he shook his head and walked along the corridor into the study room of the main room.

After eating a bowl of hot yellow and white rice porridge, I feel much better.

After a while, Fang Qi came in to announce that guests had arrived.

Qin Yu stood up, straightened his clothes, and walked out with his head held high. As soon as he arrived in the living room, he saw two people walking towards each other, one behind the other, led by Fang Qi.

She immediately stretched out her right hand and said with a cheerful smile, "President Liu, long time no see."

The visitor was none other than Liu Xiufen, the new president of Guangzhou Branch of Min'an Bank, and the person behind was her precious daughter Zhou Na.

"Mr. Qin, long time no see."

Liu Xiufen quickly stepped forward and held hands, her attitude more respectful than last time.

In the past, the two had equal status. At the company level, it was just a cooperative relationship. They only needed to maintain appropriate friendship.

But now, Rainbow Group and Min'an Bank have fulfilled their respective obligations. After a series of operations, Rainbow Fund has officially become the third largest shareholder of Min'an Bank. It only needs to wait for the extraordinary shareholders' meeting to hold a seat on the board of directors.

In this way, as the controller of Rainbow Fund, Qin Yu has enough influence on her, so he naturally needs to be more respectful.

And she came here today precisely for this matter.

At Qin Yu's invitation, the three of them sat down on the sofa in the study room. Qin Yu sat in the main seat, while Liu Xiufen and Zhou Na sat in the guest seats next to them.

Fang Qi acted as secretary and served coffee to the three of them.

After thanking her, she put down the bag in her hand. Liu Xiufen turned slightly sideways and said with a smile,

"Mr. Qin, first of all, I would like to say congratulations. Our transaction has been approved by the China Securities Regulatory Commission. Starting today, Rainbow Fund will officially become the third largest shareholder of Min'an Bank!"

Qin Yu smiled slightly, "It should be said that we are happy together. Rainbow Fund's investment in Min'an Bank will be beneficial to both of you and me, isn't it?"

"Yep,"

Liu Xiufen smiled and nodded repeatedly, "With the strength of Rainbow Fund and the current influence of Rainbow Group in the international financial community, Minan's stock price has stopped falling and rebounded after the announcement.

The rise in Minan's stock price not only helped the entire financial sector stop falling, but also made this kind of recovery even more precious in the context of the global subprime mortgage crisis and the stock market crash.

Therefore, this is not only a win-win situation for Rainbow and Minan, but also a shot in the arm for the entire financial market! "

"Ha ha,"

Qin Yu couldn't help laughing and said, "So, isn't it time for the whole world to celebrate?!"

"Well,"

Liu Xiufen rolled her eyes, nodded seriously and smiled, "To a certain extent, it is true!"

As soon as these words came out, the three of them chuckled again.

After the greetings, Qin Yu took a sip of coffee, pursed his lips, looked at Liu Xiufen and asked, "President Liu, when can our director seats be cashed in?"

She has been struggling for so long, not just for the position of major shareholder.

No matter how many shares you have, even if you become Minan's largest shareholder, if you don't have a director seat, your influence on the bank will be limited. Only by getting a director seat can you have a say in the bank's operation and management.

There is nothing to be careless about.

Liu Xiufen immediately said, "Today the bank headquarters has issued an announcement on the completion of the transaction and convened an extraordinary shareholders' meeting. According to the requirements of the China Securities Regulatory Commission, the announcement must be made thirty days in advance.

Therefore, we will have to wait until September 9 at the earliest, after the extraordinary general meeting of shareholders, to implement it. "

Qin Yu nodded, "Well, September 9th is a good day, okay."

She is a trader, so she naturally knows this kind of common sense. The reason why she asked is to urge Min'an Bank to issue an announcement as soon as possible.

I didn’t expect that the other party would move very quickly.

Perhaps as Liu Xiufen said just now, bringing in a heavyweight strategic partner is also of special significance to Min'an Bank. In this way, their sense of urgency will naturally not be inferior to theirs.

At this time, Liu Xiufen said, "Mr. Qin, I am here today. In addition to formally informing you of the good news, there is another important thing. That is, you need to prepare detailed information on the directors who hold the position in advance for the bank. and review by the Securities Regulatory Commission.”

If you want to join the board of directors of a listed company, becoming a shareholder by acquiring shares is the first step, and this share cannot be missing.

The second step is to make the shares reach a certain level and obtain the approval of the China Securities Regulatory Commission, so as to have the qualifications to appoint or nominate directors.

At this point, the director candidate information can be submitted to the board of directors for review and submitted to the China Securities Regulatory Commission for approval.

The main thing here is to review the qualifications of the candidates.

Putting aside the candidate's personal ability, and in addition to complying with the relevant provisions of the company law, the candidate cannot be punished by the China Securities Regulatory Commission.

For example, in the past three years, the company has not been subject to administrative punishment by the China Securities Regulatory Commission, has not been publicly condemned by the stock exchange, or been criticized in two or more notices, and has not been publicly determined by the stock exchange to be unfit to serve as a director of a listed company.

Therefore, even if it is a process, this person cannot give it casually.

After hearing Liu Xiufen's words, Qin Yu put down his coffee cup and did not answer immediately. Instead, he smiled slightly and said, "Don't worry about this question right now. I have another question that I would like to ask Mr. Liu."

Liu Xiufen was also someone who was used to seeing big scenes. She was able to cope with this change easily and said immediately and calmly, "Mr. Qin, please speak."

Qin Yu glanced at Zhou Na first and said with a smile, "As a daughter of a wealthy family, Miss Zhou is not considered an outsider, so I will speak frankly."

Then he looked straight at her without blinking and asked with a smile, "Based on President Liu's conditions, where do you think you can go in Min'an Bank? Vice president or executive director?"

Hearing this, even with Liu Xiufen's calmness, she couldn't help but feel at a loss.

She asked what did this mean?

Her family knows their own affairs. Liu Xiufen is in her forties this year, almost fifty years old. Although she has taken good care of herself and looks similar to someone in her thirties or forties, in about ten years she will be at the age of retirement.

And within these ten years, she asked herself that she had no confidence that she could be promoted to the position of vice president of the head office, let alone executive director.

You know, even the president of the head office is just an executive director!

Even the current branch president, to some extent, has benefited from Chen Yang and Rainbow Fund. Otherwise, it would be good to be the branch president before retirement.

Taking a deep breath, Liu Xiufen forced herself to calm down, stared at Qin Yu, and asked tentatively, "Mr. Qin, what do you mean by this?"

Qin Yu half-leaned on the armrest of the sofa, with the corners of his mouth slightly raised, and said, "OK, I won't tell you any secrets. On behalf of Rainbow Group, I now formally extend an invitation to you to join!"

"ah?"

Although she had some vague guesses just now, when she actually heard it now, she couldn't believe it.

Did I hear it wrong?

He turned around and glanced at his daughter who was also surprised.

Well, it seems I heard it right!

Then he turned around and smiled to himself, "Mr. Qin, you are really joking!"

I just came here today to express my goodwill on behalf of the bank, why did I get poached? !

It’s hard to say who is better, Min’an Bank or Rainbow Group.

Although Caihong Group can crush Min'an Bank in terms of financial strength, Caihong's business is too concentrated and mainly relies on financial markets and industrial investment.

In addition, in terms of business and voice in the domestic financial industry, especially in the retail banking business sector, it is definitely not comparable to Minan Bank.

Otherwise Caihong would not have spent so much effort for a board seat at Min'an Bank.

And she herself was born in retail banking, so even if she went to Rainbow Group, there would be no use for her!

etc,

Thinking of this, Liu Xiufen suddenly felt something in her heart.

Could it be that Rainbow Group is going to enter the retail banking sector?

Only this reason can explain why Qin Yu dug himself out.

However, the retail business is not that easy to do.

Putting aside the difficult banking license, even if they can get it, how can they start this retail business?

This is different from investing.

When investing, as long as you have a precise vision, you can make money.

As for retail banking, we need to find ways to get money from customers’ pockets first, that is, to attract savings.

If you can't even attract savings and rely solely on the company's own financial support, how long can it last? !

Just when Liu Xiufen's expression changed, Qin Yu took a sip of coffee and said slowly, "President Liu, don't refuse in a hurry. You might as well listen to what I say."

Putting down his cup and facing the inquiring gazes of the two men, Qin Yu said seriously, "Just two months ago, our Rainbow Group acquired five medium-sized financial companies in the United States.

From securities to debt, to investment banking and retail commercial banking, it covers the main business modules of the financial industry, and then is reorganized into the American Rainbow Financial Group Corporation.

Has President Liu ever heard of this? "

Liu Xiufen nodded, "I've heard a little bit."

It is not just heard a little bit, to be precise, it is widely heard. Any mergers and acquisitions made by domestic financial companies in the United States will receive special attention from their domestic counterparts.

Because in their view, the technical level of the domestic financial industry is indeed far behind that of the United States, so this behavior is a counterattack.

However, considering the risks and other factors, not many people dare to do this, so the very few pioneers who dare to try are naturally particularly eye-catching.

After a pause, Liu Xiufen asked, "So, do you plan to expand the American company's business to the mainland?"

"not only that,"

Qin Yu shook his head and said seriously, "The outbreak of the subprime mortgage crisis is a very serious crisis for the financial industry. There are many peer companies that failed to withstand the erosion of the crisis and were either merged or bankrupt.

However, crisis is both danger and opportunity. For Rainbow Group, which has strong financial resources, the subprime mortgage crisis is the best development opportunity.

Our acquisition in the United States is not accidental or an isolated merger, but a starting point. Based on this starting point, we will give full play to the financial advantages of Rainbow Group and expand our reach in the shortest possible time. extend as far as possible,

North America, Europe, Asia, and even South America and Africa will be our target markets, which naturally includes China.

If President Liu is willing to join Rainbow Group, then the position of general manager and bank president of Rainbow Bank China, which will be established by the end of this year at the latest, will be yours!

Not only that, new companies are always full of opportunities, especially when the aftermath of the subprime mortgage crisis is still lingering and peers are timid, it is a golden opportunity for us to develop.

As long as you can make achievements in this position, you will have the opportunity to get the positions of general manager of Greater China, Asia, and even head office management! "

Having said this, Qin Yu spread his hands and smiled slightly, "At that time, wouldn't it be much better than the president of Min'an Bank Guangzhou Branch who didn't know when he would be promoted?!"

Qin Yu only talked about job development prospects and said nothing about salary and benefits.

Because for this kind of people, they have long passed the level of talking about money. What they want is career achievement and social status, not just trivial matters.

Besides, who doesn’t know that the companies under the Rainbow Group are famous for their high employee benefits?

If Liu Xiufen really passes away, I dare not say anything else, at least in terms of treatment, it will be many times better than now!

Liu Xiufen was indeed a little moved by Qin Yu's painted pie.

However, these are not enough. The financial industry has its own unique characteristics. If Caihong wants to be an investment bank, she will never have any doubts, but retail banking...,

Picking up the coffee in front of her, she took a sip. After putting it down, Liu Xiufen raised her head and said with a chuckle, "After listening to Mr. Qin's story, it is indeed very attractive, but I have a little question."

Qin Yu raised his right hand slightly and said with a smile, "Please speak."

Liu Xiufen said sternly, "Let's not mention whether Rainbow Bank is foreign-funded or local, but no matter which type it is, there have been countless precedents before. Whether it is a foreign-funded bank or a small local bank, the biggest difficulty in development is To acquire reserves,

Chinese residents generally only trust the six major banks: China Banking Corporation, Agriculture Bank of China, China Construction Bank, China Construction Bank, China Communications Construction Bank, and China Merchants Bank!

The vast majority of private deposits across the country are concentrated in these six major banks, while other banks can only use their relationships with all parties to survive in the cracks of these six major banks.

This also includes Min’an Bank. It took Min’an more than ten years to ride on the development of private financial companies above and borrow a large amount of network resources from more than a dozen founding shareholders before we were lucky enough to establish ourselves in the second echelon. Location,

What I want to ask is, if Rainbow Bank enters the mainland market, why should you compete with your peers for deposits?

Without enough savings, how long can Caihong survive with its own funds alone? ! "