1981

"Find the latest chapter in 1981 ()"!

Huang Hao Road: "The main leaders of our Sanshui City, except Chen Yihua Chen Uncle Chen, it seems that it is not lacking.

It is clear that there should be a big thing to discuss, this banquet is definitely measuring. "

Song Liberation took Huang Hao to sit in the middle of his and money, said:

"Don't think too much, today is complete because everyone got the" home garden group "dividend, happy, make a lot of music, will not talk about things."

Huang Wei smiled: "Some things don't talk about it, talk about talking."

Qin Kunlun smiled: "Is this not good? Haha ..."

The banquet begins, everyone has a cup of confidence in the past eight eighth year and is full of confidence this year.

Huang Yu is dark, this year is the most dangerous year, the socialist pot is almost being smashed, and the country wants to better develop some difficulties!

The wine has passed three patrols, Qin Kunlun, Song Ji Military speech is orth; he talks about the enthusiasm of the participating enthusiasm of Sanshui City with Huang Hao, and it is light.

The two of them have given the proposal of other standing commitments, and the focus is asking Huang Wei to have any items.

Huang Wei did not have a Tibetan private, it is recommended to set up a joint-stock bank.

Enter a table leader!

Mother! This Huanghao is really thinking! Open a bank? Have you heard of which county or county-level city opened a bank?

Song's liberation did not understand the meaning of Huang Hao, but thought that Huang Hao is a child, said:

"Huang Hao, we are so hard, it is true that I want to engage in a joint stock company, and I am ready to come to a big hand.

According to the current unit, the personal participation enthusiasm, it is estimated that the funds will not be raised less than 50 million, you don't take serious things! "

Huang Yanji does not enter the original trajectory of Sanshui City Credit Cooperatives, which is mostly remembers that it should be the time period of the conclusion of the 1980s.

But it can be sure, this world, so far, Sanshui City has no urban credit cooperatives.

This line is absolutely good, can you miss it? Huang Yu will not only let the Sanshui City get together, but also share the shares.

The Sanshui City Credit Cooperative of Original Trajectory has become a city bank, which is the joint-stock system, and the lead has got the inclum and hateful benefits.

Haiyu, the "Sanshui City Bank", participating in the system, participating in the system, participating in decision-making, participating in personnel, and must have developed better than historical trajectories.

"Do you think that I am talking about it?" Huang Yan asked.

"Don't you?"

"It is definitely not! Don't you pay attention to the newspaper for some time?

I remember the "Regulations on the Management Regulations" promulgated by the People's Bank during the summer vacation, and it is the header of the headline, satisfying the five hundred thousand yuan, the county-level organs, and can apply the 'City Credit Cooperative'.

'Urban Credit Cooperative' is actually a bank, but it is only different. "

The leadership of a table looked at each other, they thought too many possibilities, but they really didn't think about it in this area.

Qian Guodong smiled and said: "We seem to be a good luck! Huang Yi can make people get unexpected gains, we can't think of the bank?"

Qin Kunlun said: "Wonderful? Why can't our city don't have a bank? The difference between the profits of deposits and loans should be unhappy!"

Huang Wei: "Some difficulty! I am talking about a city bank, Sanshui City's own bank, name is called 'Sanshui City Bank', not urban credit cooperatives, there is a possible brand can't batch."

This is completely , 'City Customer Cooperative', has begun to debut, and has developed for ten years, as long as it is not bad, it is changed to 'City Commercial Bank'.

At the same time, I want to have a new batch of 'urban credit cooperative' or 'city commercial bank', basically can't do it.

It can be seen that the bank's license is naturally available.

In the eighth year of spring, Sanshui City can do a hand bank license, and certainly leading ahead.

There is a 10-year accumulation, 'Sanshui City Bank' may expand to the entire long triangle and become a listed company.

Therefore, Huang Hao opened the "Sanshui City Bank", the purpose is to let Qin Kunlun, Song Liquan, etc., it is really not to get a credit cooperative.

However, only the brand of "City Credit Cooperative" is a bit sorry to the honor of "dare to be the world" of Sanshui City, I want to come, the above leaders will weigh the drawbacks and respond.

Song Liberation has often been well worn by superior leaders and elders in these years, he has confidence, said:

"This is inconsistent, since the urban credit cooperatives and banks are similar, the same is deposited according to the regulations, and the proportional management of fund liabilities is implemented.

Anything you can't approve us to set up the 'Sanshui City Bank'.

Our Sanshui City is the advanced collective of 'dare to be the world. It is the row of the reform and opening up, you can make our pilot first. "

After all, Song's liberation is a brand-name college student, understand the operation process of the bank, and say it on the idea.

Xu Mu Guang is most concerned about making money, asking: "How is the Bank's profitability? The potential has" Home Group "?"

Huang Hao said: "Bank is the national key control, the batch is definitely difficult, and the batch of 'city credit cooperatives' is not easy.

For example, the 'Home Group' is a shareholding company that is a real estate, it is about to get this money.

Our country is getting more and more open, and it is possible to open a real estate company without a few years.

But I can tell you very responsibly. In socialist countries, private people can't open banks. "

In the seat, the cadres at level, all of which know the convenience of monopoly operation, and he also sounds light.

Xu Mu Guangdao: "Bank does not know who wants to open, it will be able to do it, there is no money. The competition faced by the bank will definitely be much smaller."

Song Ji said: "Then we have to do our best to take the bank's brand."

Qin Kunlun said: "All people have to make great efforts, take all the resources that can be used, and strive to take the brand of" Sanshui City Bank "!"

"Cough ..."

The high mayor of the bank coughed, Qin Kunlun laughed: "The old high, no one can smoke, do you want to say directly, cough?"

"Does the bank really make money? In fact, it is not necessarily, and the bank's bad debts can be scared!"

Xu Mu Guang was confused: "Is there a lot of bad debts of the bank?"

"Our city is still good, the situation in other counties and cities is relatively bad, some factory actually pays saves by bank loans to employees. This loan is of course bad debts."

"The problem is so serious! I have always thought that the bank deposit interest is less, the loan interest is high, and the money is higher, and the money is like playing."

Qian Guodong said: "I also think that banks make money easily, I didn't expect that they were actually a silver sample, and they had their table."

Huang Wei said: "It is because the high mayor said the problem does exist, so it is true, I am afraid that there are not several banks to make profitable.

Not banks have no profitability, but they are dragged by bad debts.

So our own bank should do our best.

All leaders have no power to order which company is lend, unless he is willing to make a personal asset that is sufficient to make a minimum of individual assets.

Bank's lending must adopt an asset audit, level evaluation system, and perform lenders' responsibility system.

If the loan is in order to pay a tax, it is never possible to get the "Sanshui City Bank" loan. "

Cadres who don't understand the bank operation process can also understand the percentage of interest, and can realize that banks do not make money, should not be internal because of internal factors.

It has been from pressure, but it is undeniable that greater external cause is caused by position corruption.

The love of the monarchy of the monarchy is a fast person, and the road: "If the bank's bad debt is very much, the executive, the credit department caught it, and if the hands and feet are clean, my money is written."

Xu Mu Guangdao: "I can learn from the profitability of the company by investigating the profitability of the company. I can't receive it back.

I believe that as long as the crediter, the credit department, the leader, should not have bad debts. "

The high mayor is familiar with the bank's business, knowing the drawback, nodding:

"Yeah! Lao Xu said that the bank is afraid of bad debts, as long as you lend, do not interfere, loan the office workers, leadership, can avoid."

Huang Hao smiled: "Our own bank must pick meat to eat, you can select a good reputation in our city.

Such as 'full strength company', 'Hui Nong Group', 'Huamei wind', 'China Hong Kong Industry', 'Sanhui Group', 'Baidu Share', etc.

As long as they put half of the company's funds in the 'Sanshui City Bank', the loan scale is very considerable. "

It's not stupid, it's all, I understand the intention of Huang Hao, and I will laugh one by one.

Qin Kunlun: "This I understand, the liquidity of the company is generally interest, and the bank has a number of well-operated enterprises. This fund will be great.

The interest error of lending can reach two or three times, and banks must have earn more. "

The mayor of the horse saw everyone moving, reminded: "This is calculated that it is a loaned to get back, and do a few dozen pens, you can't afford a dead account."

This is the case, the bank will not rely on the loan, more and more examples, the three water markets should be better, and the problems in other places are not small.

Earn interest differences is thousands, theoretically successfully lend a year of loans equal to 50, and a bad debt, all profitables are not enough.

More than a dozen leaders gave the ear, some people thought that as long as the staff did his best, this is not a problem.

Some people think that they are often walking around the water, how to have no wet shoes, earn a point of interest, is based on dozens of times, the risks are still.

Huang Hao smiled: "The Mayor of Ma said it is right, so we must prevent it in need, and to reduce potential risks to one percent.

The premise of preventing risks is of course a must have a perfect discipline and scientific management system.

'Sanshui City Bank' can formulate credit names of enterprises and institutions, and will not lend to companies or individuals who have poor reputation.

Loan in units of developing potential for the 'FREE', 'Fragrant Enterprise', 'Fanghua Wine'.

I can participate in the development of such a directory, as long as it is the unit that I have set.

Within the amount, these companies do not need to guarantee, no collateral, 'Sanshui City Bank' to make a week in the day of business. "

Huang Hao said that he is full of confidence when he is, it is not afraid of responsibility, because he has a prior to this kill.

He is optimistic about developing prospects and shares, and there is no possibility of decline in the debt in thirty years, you can fully assured bold loan support.

These companies have great potential, and there is a funding to promote the wave, and they will definitely add flowers on it.

Huang Yu works in Sanshui City, living for decades, of course, who knows which units will not be unfunded, which units are bigger.

Under the pressure without marbler, under the premise of no money transactions, the bank's characteristics are unable to send charcoal in the snow to accompany the company's risk.

The chance of banks is added to the brocade, so that the good business is better.

This is not well, the bank is a profit organization, not a charity organization, and the reason is of course the idea of ​​this. This is the responsibility of the country, the depositors, and customers, should not be accused.

In the 1980s, the 1990s and even a crediter in the initial bank of the two thousand years, the work of the credit department, the life style is not said, and it will be troublesome, and there are counts in my heart.

Huang Wei has reason to believe that he is involved in the management of banks, and it must be able to create iron discipline, and anyone touchs discipline will be opened even joined.

Every crediter, the credit department will regard the release loan as their own money, how much is the bad account?

Can be able to get the crediter, the credit sector is never stupid, unless they collect the stupid!

Since it is a strong proposition to the three-water city, it is necessary to take responsibility, Huang Hao decided to participate in management in person, and help the horse and then send one course.

Huang Hao personally puts the customers who led the loan, only give the high-quality enterprises in memory, remember and determine the following companies, and resolutely do not give loans.

Strive to achieve the "Sanshui City Bank" happening during the management of Huang Hao.

A bank that is destined to have no bad debts or bad debts will not exceed one percent of the bank, and the profitability is big!

The bank's lending scale is calculated according to the deposit scale minus deposit reserve, but it is always not a deposit reserve reserve for deposits to subtract.

But the deposit will subtract N times of the reserve. Although each time it decreases by ten percent, it is five or six times. The actual lending scale should be three times that of real paragraphs or more.

This is completely dependent on the loan that is still on the bank.

Anyway, Huang Hao has a high-quality customer who has made "full enterprises", "Sunshine Group", "Huamei Feng", "China and Hong Kong Industrial", etc., as "Sanshui City Bank".

These companies put half of the funds in the "Sanshui City Bank" account, and the flow of funds in one year is less than three or more hundreds of millions, and one-third of the conversion becomes a loan quota, and it is quite considerable.