1988: Back to the human world for a few years

Chapter 589 Everyone has their own track

As a member of the banking system that is in the stage of reform and exploration and currently needs to fully cooperate with local authorities but also has relative independence, outsiders have always been puzzled as to why President Liu has been so close to Yang Mo during this period.

After all, Yang Mo had instructed Xialiu Sales Agency to carry out large-scale fundraising activities at the social level some time ago, which to a certain extent has seriously affected the operation of the local banking system.

It was not until Song Wenxuan followed Yang Mo on this trip that night that he finally understood the reason.

………………

Or the ground hall,

It’s still the house with red and white walls at the back.

As soon as Song Wenxuan followed Yang Mo into this long-missed house, the burly Liu Jiong immediately came up to greet him enthusiastically: "Hahaha! Mr. Yang, it's rare, so rare. I've been waiting for your call for almost half a year... Come on, come on, this way, this way!"

There was no shyness in his expression and behavior as one would expect in a public place. Although he was enthusiastic and almost flattering towards Yang Mo, his eyes did not even linger on Song Wenxuan, nor did he ask a question, as if the person standing next to Yang Mo was just an insignificant follower.

Song Wenxuan looked at the very familiar scene in front of him and couldn't help but smile bitterly to himself.

As the office director of Dahua Company, the China-Japan Economic Promotion Association has also been dealing with the local banking system in Texas in the past six months. There is no reason why the other party would not recognize him.

But the other party still has this attitude, which can only mean one thing... In Liu Jiong's view, his status, actual energy and influence are not at the same level as Yang Mo.

Only when the actual size of the guests is too different and Liu Jiong wants to treat the host and the guest as equally as possible, will he adopt this somewhat offensive approach.

It seems that President Liu attaches great importance to this meeting tonight!

After realizing this, Song Wenxuan reacted calmly. He just stood aside and smiled gently, as if he didn't think there was anything wrong with Liu Jiong's favoritism.

Elites like him who were specially trained by their families, after being tempered in the society for a period of time, already knew how to write the four words "unmoved by honor or disgrace" - they were not those county Brahmins who hid in small buildings and lived in harmony, and never had the arrogance of thinking that they were the first in the world and the third in the world.

Amidst a number of scattered surprised glances, Yang Mo and Song Wenxuan followed Liu Jiong to a private room on the third floor.

When you open the door, several beautiful figures catch your eye.

"Boss Yang, don't be surprised. Most of the people in our system are female, as you know. So when they heard that we were going to entertain you tonight... they came over chattering, wanting to broaden their horizons, meet their idol, and learn from him. No matter how much criticism they received, they wouldn't leave."

Liu Jiong sighed helplessly: "They are all young female comrades. I can't discourage their enthusiasm for learning too much. Otherwise, they might stab me in the back and say that I am jealous of talented people and unwilling to cultivate the younger generation. I can't bear this accusation... So I have no choice but to bring them here. I hope that Mr. Yang will understand."

Song Wenxuan's eyes swept over the six girls, all of whom were around 20 years old, with good looks and figures. How could he not know what this scene meant?
But what surprised him was that Yang Mo, who had always had a very good reputation in this area, just laughed and said, "Old Liu, you are just going to laugh at me. With my level, I can only barely understand the balance sheet. How can I be qualified to let others learn from me?"

Having said that, he sat down lightly with a very casual attitude.

Upon seeing this, Liu Jiong was overjoyed and quickly told the girls to entertain the distinguished guest well.

So, the six beautiful girls immediately divided into three groups, sitting in pairs around the three people, and began to pour tea and water enthusiastically.

What’s interesting is that Liu Jiong seems to have specially studied Yang Mo’s aesthetic preferences. The girls sitting on his left and right may not necessarily be the most beautiful, but their breasts are definitely the biggest... They are all E-level.

But unlike Song Wenxuan who seemed a little confused, Yang Mo knew what Liu Jiong meant.

Why else?

My affair with the girl in the small hotel at Linpan Oil Field has been discovered by others!
Otherwise, why would they all match girls according to Lu Jing's style?

Therefore, the underlying intention of today's actions, which are obviously contrary to my previous preferences and habits, is also very obvious - we are not noble people, so don't pretend.

Yang Mo did not take Liu Jiong's ambiguous "intimacy" method to heart, but behaved like a normal man, casually chatting and flirting with the two girls on his left and right, and even did not mind the tofu they offered to him.

Different from the small state banquet that Song Wenxuan had invited Yang Mo to, Liu Jiong was obviously more pursuing a higher level of style, so today he arranged Confucius Mansion cuisine, which was more ornamental.

First-class tofu, longevity duck soup, jade shrimp rings, four pieces of bird's nest, dried shrimp pearls...

There were eighteen dishes in total, turning the dinner into a visual art. Fortunately, we were able to find a chef who can cook Confucius cuisine.

And Yang Mo also enjoyed the feeling of being a boss for the first time in his life.

You don't need to peel the shrimp shells yourself, as they will be peeled and delivered to your mouth by slender hands, and they will even semi-actively find reasons to tempt you to suck on their fingertips;
You don't need to drink the soup yourself. A pair of tender hands will naturally bring the spoon to your mouth, and then while the soup is being served, let your shoulders and arms enjoy the feeling of the surging waves.

Every time a dish is served, the beauty next to you will explain to you the story behind the dish, and then the soft whispers in your ear will let you know what it means to have a beautiful voice like orchid.

Of course, due to the peeling process, there will always be female comrades who need to leave in the middle of the process and carefully wash the oil stains on their hands, so almost every five or six minutes, there will be a new face next to Yang Mo, and then they will show their various characteristics and advantages without hesitation during the personal service process.

I have to say that the experience service provided by Liu Jiong is very good. It is clear that he is telling the two guests that after comparing prices from three stores, if you find someone you like, you can ask that person to accompany you to a room on the fifth floor to "sober up"... Of course, if you find it inconvenient to walk after drinking, it is also okay to ask two or three girls to help you support.

Yang Mo dared to swear that these girls were definitely specially recruited by Liu Jiong, otherwise they would not be so natural in their laughter and playfulness, and those subtle movements would not be so relaxed.

Finally, after a girl quietly unbuttoned the second button above her collar under the pretext of the weather being hot, and then leaned forward in a mysterious manner to let Yang Mo appreciate her infinite beauty, Yang Mo finally changed the topic of the dinner table from the random chat: "Lao Liu, the room is full of smoke, let these ladies go out for some fresh air and take a break... It's a good opportunity for us to have a personal chat."

It was obvious that Yang Mo was about to get to the point.

Hearing that Yang Mo got down to business without waiting for Yang Mo to sober up, Liu Jiong was stunned at first, but then he perked up instantly, laughed, and waved his hand to let the six female comrades leave the room.

………………

"Old Liu, since I'm here today, you should know what my attitude is."

Yang Mo picked up the half-pack of wrinkled Yuxi cigarettes on the table and handed it to him. The tipsy look between his brows was no longer there. "I will definitely do what I promised you... The reason why I didn't take any action before was that the time was not ripe."

"But now, with the formal establishment of the Shandong-Henan-Hebei industrial manufacturing cooperation framework, the formal approval of the East China post-disaster reconstruction plan, and especially the upcoming signing of the Texas bulk agricultural and sideline products forward contract... the time is ripe."

At this point, Yang Mo put his cigarette on the lighter that Liu Jiong held out to him and lit it, then he leisurely exhaled a puff of smoke: "That is to say, if everything goes well, in four years at most, you should be working in Quancheng... You may even be honored as a model of reform, and then you may have to go to the capital every now and then to attend meetings and make reports... By then, it won't be so easy to invite you out for dinner again!"

Liu Jiong waved his hands quickly: "Old Yang, what you said is really embarrassing... With your ability and enthusiasm, you might be transferred to the capital in less than four years. If I want to invite you to dinner, I will have to queue up to send you invitations. How can I be so arrogant in front of you!"

Having said that, the corners of his mouth were so raised that even AK couldn't suppress it. It was obvious that he had no doubt at all about the future imagination described by Yang Mo.

Yang Mo smiled when he saw this, but turned around and explained to Song Wenxuan beside him: "Since the mid-1980s, many problems and shortcomings have been exposed in the transition to a market economy, so the financial system across the country has been constantly trying to reform, business reform, process reform, and even administrative reform. And as time goes by, the pace is getting bigger and bigger... That's why we had the stock market and stock exchange last year;"

"Although this pace seems fast enough to ordinary people like us, the speed and scale of change in Lao Liu's system is actually much faster than we thought."

At this point, Yang Mo paused and said, "Especially in the past two years, what you don't know, Old Song, is that with the rapid increase in the actual investment amount of European and American capital in China, the calls for accelerating the commercialization reform of the banking system are getting louder and louder."

"In general, although there are great controversies on many issues, the overall tone has been set, and the banking system is also actively learning from the advanced experience of Western banking systems to prepare for the next round of reforms."

Yang Mo said this news which could easily lead to people's imagination. He smiled and said, "But this is not important."

"What's important is that the banking system has its own particularities and its functions are also complex. So now that the call for commercial reform has become mainstream, the corresponding thing is to divest some businesses that are not convenient to attach to the commercial operation system."

Song Wenxuan immediately responded: "Policy bank?"

Yang Mo nodded: "In fact, policy banks are nothing new. Since the 60s, developed countries in Europe and the United States have begun to establish policy banks on a large scale, and reached their peak in the 70s;"

"In a sense, this is an institution similar to a development guidance fund. The various policy banks of various countries have made great contributions to the rapid recovery and revitalization of their economies after the war."

"But the problem is that policy banks are banks that are based on national credit, funded or guaranteed by the government, do not take profit as their primary purpose, cooperate with national policy intentions, and provide preferential financing support to specific businesses and fields that are in line with national economic development policies. These characteristics certainly determine that once my country establishes a policy bank, its administrative attributes will become extremely heavy; but it also indicates that the first batch of policy banks will be of a very high level. In Lao Liu's case, there is no chance of success."

Although these words might be a little confusing to outsiders, Song Wenxuan understood them immediately.

A strong administrative attribute means that the unit has different attributes and different weights.

You know, there are differences between banks. Commercial banks, even large state-owned banks, are of an "enterprise" nature, and are nothing more than large-scale state-owned enterprises. As for the China Merchants Bank, Pudong Development Bank and others that are well-known in later generations, they are even more of corporate legal entities... The difference between the two can be very small, but sometimes it can also be very large.

But there are two more kinds of banks.

One is the prestigious People's Bank of China, which is an extremely important state agency, but it is not an administrative unit, but a public institution;

The other type is policy banks, which are also public institutions, but they are not general public institutions, but financial institutions with special characteristics... So to be specific, they are institutions whose actual functions and weights are slightly lower than those of the central bank, but significantly higher than those of state-owned commercial banks and corporate banks.

The policy banks are between the central bank and large state-owned commercial banks, which shows the importance of policy banks. How can it be so easy to become the first batch of veterans in such units? You know, Liu Jiong is not an ordinary employee in the banking system, and he can't even be considered a mid-level manager. In fact, my country's first batch of policy banks appeared in 1994, namely the China Development Bank, the Export-Import Bank of China, and the Agricultural Development Bank of China. Even if you don't understand them, you can tell their status and weight just by looking at the names of these policy banks.

If you are familiar with the development history of China CITIC Bank, you should know that the establishment of these three policy banks in 1994 was not accidental. Therefore, corresponding to what Yang Mo just revealed, it is easy to piece together a clear thread.

………………

After explaining the cause and effect in a slightly cryptic way, Yang Mo turned around and looked at Liu Jiong, who was full of expectation, and smiled: "It is said that to succeed, the right time, the right place, and the right people are all indispensable... Old Liu's luck has come, and it cannot be stopped."

"At this time when the banking system is trying to explore commercial reforms, everyone knows that once a relatively feasible plan is found, the divestiture of policy-related businesses will be inevitable. Therefore, compared with the rush to try commercial reforms, few people are involved in this track with a higher ceiling."

"It's not that they don't want to, but they want to seek a test field for policy-related business, and the conditions are too harsh and the difficulty is too great."

“But Texas is different.”

"First, Dezhou is a pilot city for the tax-sharing reform... As a pilot city, policy exploration is always convenient in advance. In addition, Dezhou is also an experimental city for the upgrading of the manufacturing industry. Therefore, as long as communication is done well, it will not be too difficult to conduct a divestiture test on some policy businesses of the banking system in the name and form of the industrial guidance fund."

"Secondly, doing a stripping test is not just about stripping. You also have to make achievements in promoting the industry. Otherwise, everyone can do things like lending. How can you make the organization look at you with respect?"

"But what a coincidence! Texas has just signed a three-year forward contract with Nanase Chamber of Commerce with a total contract value of NT$50 billion. The area involved is agriculture, which is the country's most important area, and is even directly related to the country's century-old project... the vegetable basket project."

"What's more, Dezhou Urban Property Fund Company also intends to use this super-large forward contract and the island country's high requirements for this batch of agricultural and sideline products to promote local agricultural and industrial upgrades;"

"The most coincidental thing is that Dezhou Urban Development Fund Company has no money now due to its huge investment in other projects in the early stage, so it can only seek support from President Liu through the municipal government...and President Liu happened to have the courage to apply to the organization for the separation of the bank's policy business and preliminary experiments."

After a slight pause, Yang Mo showed a very subtle smile on his face: "To produce beautiful experimental data, not only a fertile experimental field is needed, but also a handful of plump and strong seeds. In addition, a gardener who is proficient in gardening and willing to take good care of the seedlings is also crucial."

“Texas has no shortage of these!”

"Over the past year or so, Dahua Company and Dezhou Urban Property Fund Company have been tirelessly providing blood transfusions to Dezhou, especially to the grassroots areas of towns and villages, through projects such as greenhouse vegetable planting, GAP medicinal material planting, overseas expansion of independent brands, and light and heavy industrial product exchange plans. This has laid a certain foundation for the breeding and farming industries and even industrial manufacturing industries in these areas;"

"More importantly, with our unremitting efforts, the people in these areas have gradually realized the importance of standardized and normalized planting, and have begun to taste the benefits. Now, with the help of the island country's forward contract, we can further deepen the refined breeding and modern operation mode. In fact, there is not much resistance... Just this point, Texas beat more than 90% of the domestic regions in seconds."

Upon hearing this, Liu Jiong and Song Wenxuan nodded.

Whether you call it backward awareness, lack of experience, or stubborn temperament, it is an indisputable fact that people in rural areas of China generally resist standardized planting models... This is similar to the state-owned enterprises in cities that are accustomed to rubbing parts by hand according to their own feelings.

But Dezhou and Lanling are the only exceptions. When it comes to stubbornness, the folks in these rural areas of Qilu are more stubborn than anyone else, and as stubborn as a stinky stone in a pit, and no one can stop them. But these two places were the first to become one of the first regions in the country to achieve large-scale standardized planting... Behind this is certainly the unremitting efforts of countless people, but it is enough to be regarded as one of the top ten unsolved mysteries of Qilu in the early 1990s.

This slight difference may not seem noticeable at first glance, but when it comes to real work, the advantages are immediately highlighted.

Seeing the two nod, Yang Mo smiled again: "What's more interesting is that with the support of Mr. Kaibu and Mr. Miyamoto, the Nanase Chamber of Commerce has shown great sincerity in cooperating with us this time. Not only are they willing to transfer some of their vegetable and fruit seed patents to us, they are also willing to share some of their breeding techniques and agricultural equipment technologies with us... Although the proportion of these free technologies is not large, and we need to pay more for patent fees, these new technologies and equipment are enough to make our agricultural product output and quality, as well as the technical level of related manufacturing industries, take a big step forward."

"In addition, local enterprises such as Dahua Company and Xialiu Sales Agency have considerable influence and mobilization capabilities in rural areas. At the very least, the resistance to the promotion of new technologies and equipment at the grassroots level has been reduced to an extremely low level;"

"If you can leverage the influence of the banking system, Old Liu, and work with Dezhou Urban Property Fund Company and the city to reduce the resistance of municipal manufacturing companies to new agricultural equipment and new process standards, such large-scale agricultural orders and related products will leverage the market size. Once the supply and demand of the primary and secondary industries reach a balance in value transfer in the shortest possible time, the strategic input-output of this industry will definitely dazzle everyone."

"When the time comes... Old Liu, if you are not singled out for praise and reuse by the organization, I, Yang, will dig out my eyes and give them to you to drink with wine!"

Liu Jiong smiled happily after hearing this.

The saying that the right time is not as important as the right location, and the right location is not as important as the right people is fully demonstrated at this moment.

He is definitely not the only one in the banking system who wants to get involved in the policy-related business track... They are all thousand-year-old foxes. Given the current situation, do you think he is the only one who can see the benefits of making achievements in this track?
But there’s nothing I can do even if I see it!
If you want to achieve results in this field, you have to take the initiative.

However, the banking system has always had large inflows and outflows in the policy-based lending business. If it is an organizational order or a leading business, it is fine. But if it is a business that you lead on your own initiative, once the comprehensive input-output is not proportional, you will be punished. It is not uncommon for you to be invited for tea by the investigation team.

Therefore, taking the initiative to attack means huge risks.

In fact, there are far more than just Dezhou as a pilot city for the tax-sharing reform. As time goes by, there are already dozens of cities across the country that have pilot qualifications. Therefore, Liu Jiong is not the only one who can work with local authorities to try the pilot experiment of divesting policy-based businesses in the name of industrial guidance funds.

Moreover, there are more than one or two cities with better economic and industrial bases than Dezhou. After all, Dezhou was an old industrial area with a solid foundation. Even though it has developed rapidly in the past two years, its GDP level is only slightly above the middle level among prefecture-level cities in the country.

But what’s the use of having a good foundation on paper?

Everyone is well aware of some of the conditions in China's rural areas. Even if you invest a lot of money, it will be useless if there is no execution at the grassroots level. Forget about the effect of promoting the industry. If the money and facilities invested can still have a retention rate of more than half after three years, you can start thinking about it... Don't talk official language and mention XX-level key projects. Those things are simply ineffective in the current rural grassroots areas.

Therefore, Yang Mo's words seemed so precious.

When it comes to the toughness of the people, Dezhou is actually never inferior to the famous Changshan, Tang S, Cangzhou and other places, but the people in Dezhou's rural areas are more tough.

But these areas with tough folk customs at the grassroots level in rural areas all have one thing in common - you can say they are rough, you can say they are unreasonable, but these areas tend to be the kind that pay special attention to clan relations and "recognize people".

Students who have been to remote mountainous areas in the southwest all know that, as outsiders, some people have been treated with all kinds of difficulties and unpleasantness, but some people have been treated with extremely warm hospitality, and the locals even want to give their hearts to them... The difference in experiences is so great that it makes people doubt whether they have been to the same place.

The reason is actually very simple. People in this area have always been very clear about what they like and hate. They treat you as a relative or friend. Even if you ask him for money, he may hand over all his belongings to you, and then ask you shyly if the money is enough. If not, he will go to relatives and friends to borrow some more.

But if I don't treat you as a relative or friend, then I'm sorry... Although Qi and Lu have always been famous as the hometown of Confucius and Mencius, they also have a not-so-glorious history. Bandits have been abundant here since ancient times.

It is obvious that the reason why Dahua Company, Xialiu Sales Agency and other units have been able to expand their various businesses in rural areas so smoothly in the past two years, and even have an influence that even the local authorities envy, is because due to various reasons, the people in these places regard them as their own family.

Therefore, you can tell with your buttocks that even if the opportunity is in front of you, if there is no Dahua Company and Xialiu Sales Agency to help promote and coordinate, there will definitely be two completely different results.

what?
You ask me why Liu Jiong has to stick to agricultural projects and the grassroots level in rural areas. The scope of policy-based lending business is so broad, can't he still achieve results by switching to a different segment?
Ok……

Let’s put it this way, although they are all policy-based business tracks, the sub-tracks are completely different from each other.

Think back to the names of the first three policy banks established in 94 mentioned above. Do you easily notice anything?
Liu Jiong ignored the three sub-sectors that the organization valued and paid the most attention to and instead turned around to study those corners. Even if he achieved something, it would be meaningless!

Besides, although Qilu's exports are doing well, Texas is an inland city after all. Wouldn't it be stupid to ask it to give up agricultural development and compete with its counterparts in the banking system of coastal cities in import and export trade?
………………

Seeing Liu Jiong's happy expression, as if he wanted to toast three times right now, Yang Mo couldn't help laughing: "Old Liu, although it is a rare opportunity for you to enter the spiral upgrade of the primary and secondary industries in Dezhou, the separation and pilot experiment of policy-based financing and lending business are not the same as ordinary commercial financing and lending business, and the sensitivity is much higher;"

"As for the pure return on investment, with the coordination between Dahua Company and Xialiu Sales Agency, I am not too worried about anything bad happening;"

"You have to carry out subsequent business in the name and manner of the Industrial Guidance Fund, and it is an experimental and pioneering experiment. You can't just divest at the business level, you also have to make adjustments to the organizational framework and operating rules, just like the business unit model currently popular abroad. Otherwise, once the people below bring the commercial financing model over in their future work, you will be in trouble immediately;"

"so……"

"Are you ready for this, Lao Liu?"

Liu Jiong was stunned when he heard this, and then he became serious: "Old Yang, I didn't expect this. Do you have any suggestions?"

Yang Mo glanced at him, not quite believing that this guy had been working in the banking system for more than a decade and had planned to seize the current opportunity without even thinking about this question.

But he did not intend to delve into it. After all, he and Liu Jiong were in a cooperative relationship. Although he did need the funds and resources of the banking system to help coordinate and catalyze the upgrading and connection of Texas' primary and secondary industries in the agricultural field, in terms of individuals, Liu Jiong got a huge advantage.

Therefore, when Liu Jiong asked the question just now, it was more likely that he was expressing an attitude and asking Yang Mo if there were any additional conditions.

In that case, Yang Mo will naturally not be polite.

She looked at him with a smile and said, "After all, I am not from your banking system, so I am not qualified to offer any suggestions. However, I do have some immature ideas that I would like to discuss with you."

Liu Jiong's heart tightened. For people at Yang Mo's level, the more modest they spoke, the more difficult things would become.

However, he knew very well that the initiative between the two of them was in Yang Mo's hands from beginning to end, and as long as Yang Mo opened his mouth, his colleagues from the province would immediately rush over overnight. It was very easy for them to change a "mutually supportive" partner;
So he laughed out loud: "Old Yang, what are you talking about? We are such close brothers, do you really need to save my face like this? What's the point of communicating or not communicating... Just say what you think. Everyone knows your ability, and I just want to broaden my horizons and learn from you!"

Yang Mo ignored the word "friendship" that Liu Jiong emphasized deliberately. Hearing this, he just looked at him with a smile: "Since you said so, Old Liu, I won't be hypocritical."

"Lao Liu, you are from the banking system after all, and you have studied abroad over the years, so... have you studied the Islamic banking model?"

Islamic banking model?
Hearing this completely unfamiliar word, but the name seemed to be tailor-made for him, Song Wenxuan looked at him in surprise.

Liu Jiong frowned, and after thinking hard for a while, he revealed an unbelievable look...

(End of this chapter)