Resource Tycoon Reborn

As soon as you enter the car, the cool cold wind makes you breathe easier, and the heat all over your body immediately disappears without a trace.

"Where are your two assistants?" Su Aijun asked with a smile, "Why didn't you see them this time?"

"After they came out of the airport, they were asked to go back to their respective homes and find their own mothers. I won't be able to stay long when I come back this time. There are still a lot of things to do. If they don't hurry up, I'm afraid they will have to stay away like the ancients.

"Fang Mingyuan said, "I don't want two mothers to come to my door and accuse me of being unreasonable."

"Secretary Gu, can you increase the loan limit of Tongyi Branch of the Bank of Communications? Now we have many business owners here who have projects but cannot get loans." Su Aijun said to Gu Yucheng, "And

, your bank can’t just focus on big customers, the development of small and medium-sized enterprises also needs loan support from banks.”

Gu Yucheng smiled bitterly and said: "Secretary Su, you have posed a problem for me. The loan amount of Tongyi Branch has been specially approved by the branch. Okay, I will think of a way to give Tongyi Branch a loan later.

Increase the amount. As for development loans for small and medium-sized enterprises, Secretary Su, now we can’t even fully meet the loan needs of large customers, so how can we still have the energy to take care of small and medium-sized enterprises?”

"Uncle Gu is saying that my family has taken up most of the loan!" Fang Mingyuan said with a smile. Tongyi itself was originally an agricultural county. Apart from a winery and a cement factory, there were no decent enterprises in the county. Naturally, there were no

There may be some large-scale state-owned enterprises. After Tongyi was established, the cement plant was still a municipal enterprise, and other enterprises were basically private and joint ventures. Among them, the enterprises under the Fang family undoubtedly accounted for

Big head.

Gu Yucheng chuckled twice and acquiesced. These industries of the Fang family are major customers of Bank of Communications. The company's finances are stable and its growth rate is good. When lending money, there is no need to worry about not being able to recover it. Banks naturally like to use money.

Lending to such enterprises. And those small and medium-sized enterprises not only have many procedures, but also have certain risks!

"Uncle Su, as the saying goes, stores bully customers, and customers bully stores. If you let a behemoth like the Bank of Communications serve those small and medium-sized enterprises, they will think that killing a chicken with a bull's-eye is a waste of time. And from a certain point of view, they are doing nothing.

Wrong." Fang Mingyuan said with a smile, "If you ask them to increase the loan amount, I'm afraid not many of the increased loans will eventually fall into the hands of small and medium-sized enterprises."

"From what perspective, what they did is not wrong?" Su Aijun frowned and said, "The 28-year rule?"

"Uncle Su is wise!" Fang Mingyuan immediately applauded.

The 80/20 rule is the 80:20 rule. It is also called Pareto's law because it was proposed by Italian statistician and economist Vilfredo Pareto in the early 20th century. Of course

, some people call it Jewish law.

The Pareto Principle means that in any specific group, important factors usually account for only a minority, while unimportant factors account for the majority. Therefore, as long as you can control a few important factors, you can control the overall situation.

The embodiment of the Pareto Principle in the management world is the 80/20 rule, which means that 80% of a company's profits come from important customers who account for 20% of the total number of customers, and the remaining 20% ​​of profits come from

The remaining 80% of ordinary customers and 80% of the company's products only create 20% of the company's profits, and 80% of the profits are made up of 20% of the company's products.

The company's core product creation.

As for why it is called Jewish law, it is because the Jews believe that there is a cosmic law of seventy-eight:twenty-two, and many things in this world exist in a ratio of seventy-eight:twenty-two.

For example, in the air, nitrogen accounts for 78%, and oxygen and other gases account for 22%. The 22% industry basically accounts for about 78% of daily consumption.

, while men earn 78% of the world’s money, women consume 78% of the world’s money! Therefore, the traditional business areas of Jewish businessmen are mostly concentrated in catering, clothing, jewelry, and construction.

In terms of medicines, the focus is especially on products for women and children.

If a company wants to prosper, it must firmly grasp 20% of its important customers and then develop the 80% of ordinary customers.

"Let's not talk about medium-sized enterprises. Let's talk about small enterprises first. These enterprises generally have annual sales revenue of no more than 5 million yuan. They often lack basic information, corporate information is not transparent, and the company's financial data is inaccurate, and even

So it's unreal and incomplete! It's difficult for banks to use conventional methods to assess their repayment ability and credit risk! I'm right, Uncle Gu," Fang Mingyuan said.

"That's true!" Gu Yucheng nodded and said, "Moreover, these enterprises are small in scale, have few fixed assets, insufficient effective collateral, and often cannot find guarantees. In this way, it is difficult for banks to control the risk of loans. Their loan requirements

The procedure is simple, quick to borrow and repay, and has the characteristics of small loan amount, wide coverage, and short loan period. In this way, compared with handling large loans, the bank's workload is greater and the fees are higher, so from

In terms of economic efficiency, we are not willing to handle this kind of business."

Su Aijun pondered for a moment. He also understood the principle of the 28-year rule, and he also admitted that this rule was indeed reasonable. Even when he was at work, he would definitely focus on the big and let go of the small, and it was impossible for Gu Yu to be respectful in everything.

He can also think of the difficulties mentioned by Cheng, but...if big banks like Bank of Communications follow the 28-year rule, then where will those small and medium-sized enterprises obtain the funds they need for development? Without the development of small and medium-sized enterprises,

How can a city truly develop? How can it ensure the employment of citizens? Besides, many of those big companies were developed from small and medium-sized enterprises. Isn’t this the case with Carrefour Supermarket Group and Fangjia Restaurant?

"Uncle Su, there are generally several ways to finance the development of small and medium-sized enterprises. Either seek venture capital, private loans, or we can establish city commercial banks specifically for local enterprises! In practice, big banks will receive large customers.

Policy for small and medium-sized enterprises to find small and medium-sized banks." Fang Mingyuan said, "I think the time is ripe for us to establish Tongyi Commercial Bank."

Not only compared with the United States, which has tens of thousands of banks, but also compared with Hong Kong, which has more than 140 banks, China's banking industry can only be said to have only a handful of members. Except for large state-owned banks like Bank of Communications

In addition, there are only a dozen joint-stock commercial banks, and there are more than a hundred city commercial banks that evolved from city credit cooperatives.

Since China and the United States are both large countries with vast land areas and large populations, Fang Mingyuan believes that the commercial bank hierarchical system in the United States can be used as a reference for China's banking industry, so Fang Mingyuan once paid attention to community banks in the United States. "Community"

This term is not a strictly defined geographical concept here. It can refer to a province, a city or a county, or to an area where urban or rural residents live. In the United States, any asset with a small scale is mainly located within the business area.

Local small and medium-sized commercial banks that serve small and medium-sized enterprises and households can be called community banks. To put it bluntly, they are small and medium-sized commercial banks.

These community banks are generally founded by local people, mainly serve local people, and are closely connected with the local economy. In the United States, those big banks mainly serve high-end corporate customers, so community banks that are familiar with local conditions naturally become

It has become the main lending institution for local small and medium-sized enterprises. According to data from the U.S. Small Business Administration, in the United States, 60 to 70% of the loans required by small and medium-sized enterprises are provided by community banks.

Because they understand the specific situation of these small and medium-sized enterprises better, understand the needs of these enterprises, and understand the character of the business owners, instead of being like those big banks hiding in high-rise buildings, just because your credit record does not meet the strict standards specified.

He refused without mercy.

In China, urban credit cooperatives were originally responsible for lending to small and medium-sized enterprises. However, due to the lack of separation between government and enterprises, these credit cooperatives were subject to too much government control, had irregular management, and had low operating standards, so they were unable to operate independently.

Most of the loans granted have not been used properly, resulting in a high proportion of non-performing assets and poor ability to resist risks, resulting in considerable financial risks!

At the end of the last century, the State Council and the Central Bank stopped the approval of urban credit cooperatives and reorganized some of the current urban credit cooperatives into urban commercial banks.

In Tongyi, there is also a credit union with only five or six pitiful branches, dozens of employees, and a net worth of not even tens of millions of yuan.

Su Aijun and Gu Yucheng were startled for a moment. Fang Mingyuan had mentioned this topic before, but it was just a mention. It seemed like he was going to take it seriously this time?

"The Second Gulf Bank, Jimin Bank, my Fang family, the Zhao family, and some companies in Tongyi and Pingchuan can all contribute. Uncle Gu, is your bank interested in taking shares?" Fang Mingyuan said, "If

If you are interested and responsible, you can become the largest shareholder."

"What does it mean to be responsible?" Gu Yucheng said a little confused.

"In order to relieve depositors from worrying about the safety of their funds, I believe that shareholders who serve as chairman and directors should bear full responsibility for the repayment of unpaid debts in the event that the bank needs to be liquidated." Fang Mingyuan said, "I can represent Fang.

Jiahe Gulf Second Bank makes this commitment." Fang Mingyuan said, "Also, I request to acquire the existing assets of Tongyi Credit Union from the government. State-owned capital withdraws from the future Tongyi City Commercial Bank." (To be completed.)

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