Rebirth of the Official Business Route

During this time in Xinwu, it seems to be a tiring vacation, and the emotions that make people take a breath after leaving Xinwu. How can you sit in the reading room of the library and blow Lin Shaozhi now? The breeze blowing from the head searches everywhere for a seductive beauty?

After the fall, the scorching heat of Haizhou passed. Zhang Ke sat in front of the window covered with thick shade, holding a book in his hand, not feeling the heat of the autumn heat at all, plus the beautiful girls in No. 1 Middle School liked to read more. For those who study in the room, read a book for a while, look up at the book for a while, read a book for a while, calm and energetic, so that the time spent in the afternoon is a hundred times more moisturizing than the life of struggling in Xinwu; anyway, it is delayed until the beginning of the new semester. The final exam is only left for one day to study, no matter how hard it is, it is not enough. Fastest update of novel chapters

The new semester will usher in a new batch of freshmen in the first year of high school and middle school, and they will probably have a few delicate and fresh faces.

"What are you looking around?" Tang picked up the book and shook it before Zhang Ke's eyes. "Read me well. If you fail the exam, Aunt Liang will definitely blame me for not taking care of you..."

"My mother is not so unreasonable." Zhang Ke smiled slightly, and after looking around, she still felt that Tang was the most beautiful girl. She was as straight as she was carved from flawless jade with delicate red lips under her nose, biting her pen. , Showing a circle of white teeth, very attractive, Zhang Ke wanted the spine of the book to gently touch Tang's lips, listening to two coughs coming from a distance behind him. The administrator of the reading room, the middle-aged woman who was in menopause stared at this side intentionally or unintentionally throughout the afternoon, as if pretending to be a belly of thick sputum, as long as Zhang Ke wanted to openly belittle Tang in the reading room. Even with some affectionate movements, she kept coughing. "Fiction" novel chapters are updated fastest

If it weren’t for preventing Tang from being a good boy, Zhang Ke would have long wanted to take Tang to lie down on the lawn by the lake for an afternoon, and spend the rare leisure time under the supervision of a perverted middle-aged woman. There is always a feeling of inadequacy. ——There are obviously several pairs of classmates and lovers in the reading room, but the two of them have to sit far away, just stare occasionally, enjoying the sweetness of young lovers — Zhang Ke and Tang are no different from those classmates and lovers .

Except for the first-year high school students participating in military training, only the graduating class students on Nuodadi campus are required to come to the school to read books-dazzlingly enter the graduating class. The school bell rang at dusk. Tang closed the book and looked at Zhang Ke, who was sitting in the Wen Xi sunshine at dusk, with symmetrical and delicate features on his white face, and a melancholy and charming radiance in his eyes. The slender fingers pressed on the pages of the book, giving people a gentle and elegant feeling. Stretched, sat all afternoon, waist and limbs tingling. Stretching out his hips, he was so comfortable that he groaned. Seeing Zhang Ke's eyes float over, he smiled softly. This shouldn't be a lady's action, but I can't help but want to be presumptuous in front of Zhang Ke.

"Well, I knew you were impatient." Tang took the book and patted Zhang Ke's cheek lightly.

"Where is it? I am also reading books very seriously."

Zhang Ke and Tang put the book in the bookshelf. Hand in hand out of the reading room. Not afraid that the middle-aged woman came over and warned them to follow the rules of the reading room.

On the platform at dusk. There were many young students waiting for the bus, and the bus with the advertisement of Kewang DVD player approached the platform slowly. Zhang Qing hugged Tang Di's waist and squeezed into the overcrowded carriage with the flow of people. At this time, Tang Hui took the initiative to hug Zhang Ke's waist and rested his entire body in his arms. There is probably no better place for lovers to embrace openly than a crowded carriage.

A middle-aged man with the appearance of an official cadre next to him, grabbing the armrest and holding his briefcase under his armpit, was reading a Haizhou Daily on the 27th without any influence. This is the newspaper two days ago. The middle-aged man read it with gusto. Zhang Ke put his arms around Tang Jiao’s soft and warm body and glanced at the middle-aged man reading a commentary on the central bank’s lowering of deposit and loan interest rates. How serious is it? , As if to buckle every word in the report into his stomach, his lips moved lightly, as if he was endorsing the letter, thinking that this person is quite concerned about the economy. In 1996, few people would seriously study loans. Commentary on the relationship between interest rates and the economy.

This is the second interest rate cut this year since the central bank tightened monetary policy in 1993. The last interest rate cut was on May 1. These two interest rate cuts meant that inflation, which had been somewhat out of control since 1993, was finally brought under control, and the country began to encourage investment and expand domestic demand. Of course, it also meant that the domestic economy was experiencing signs of overproduction and insufficient domestic demand. The bank gates covered by most private enterprises are slowly opening again. I am afraid that most economists do not realize that the next decade will be a golden decade for domestic private enterprises to flourish.

Zhang Ke has carefully read this review article. It is a review article written by Zhao Shi, director of Haizhou City Credit Union. If this article is not ghosted, Zhao Shi has some goods in his stomach, and this person is bold in reviewing the article. It predicts the economic trend in the next few years, and the importance of the development of the private economy.

How should private enterprises in Haizhou welcome this most cherished golden decade?

The phone rang, and the middle-aged man reading the newspaper was startled. He unconsciously opened the briefcase to get the phone, and saw Zhang Ke taking out the updated Ericsson phone from his trouser pocket. The Haizhou Daily from two days ago was put into the briefcase and turned to look out the window.

Zhang Ke noticed that this person was **** Tang through the reflection of the glass, he brought Tang closer, and turned an angle, just to block the middle-aged man's wretched gaze.

Tang looked around to look at the phone call, his cheeks almost pressed to Zhang Ke’s lips. Seeing that it was her father Tang Xueqian’s phone call, he stuck out his tongue, and stood apart from Zhang Ke subconsciously, but when Zhang Wei called, she turned her face again. Paste it and listen to what her father said to Zhang Ke on the phone.

"Xiao Ke, where are you at this time?"

"I'm on the bus," Zhang Ke thought to himself that he could always stay with Tang without saying, "I came out of school with Xiaogang."

"That's right, you come over for dinner with Xiao."

Zhang Qie put his phone back in his trouser pocket and glanced at Tang in surprise: "When is your dad so leisurely, he doesn't say, as if I won't go to your house to eat a meal." Tang puffed.

Jing was also puzzled: "Maybe my dad wants you for something, right?"

"I think so too." Zhang Rao scratched his ears, "It seems that your dad will not do anything good if you ask me. I think I can go to Sister Wan Qing to eat dinner."

"Dare you..." Tang Jiao grabbed Zhang Ke's arm angrily.

Get off at the station near the municipal party committee villa area, the middle-aged man who read the newspaper also got off the bus, followed to the municipal party committee villa area, walked for a while, the man seemed to recognize Tang Lai, pointed to her and asked: "Ah, you are Mayor Tang’s daughter, right?"

"Oh..." Tang looked at the man intently. He was still holding Zhang Ke's arm.

"I am Zhao Shi from the Municipal Credit Union. Mayor Tang invited me to your house for dinner today..."

"Ah..." Tang learned that this person was going to her house for dinner, and hurriedly threw Zhang Ke's arm away. Where did she know who the city trusted Zhao Shi was? I just thought of embracing Zhang Ke on the bus like this. The delicate face was flushed shyly, "Um...this, I don't know if my dad is at home..." I thought it was my dad who had invited someone to be a guest at home, and said such stupid things. It's all because Zhang Ke couldn't help but lie in his arms.

Zhang Yi wondered why Tang Xueqian specifically called to go to his house for dinner. Was it to meet Zhao Shi? He didn't expect him to look at the review articles he wrote so seriously on the bus, smile faintly, and didn't say anything.

Tang Xueqian is at home. Sitting on the sand, there is also a Haizhou Daily newspaper on the 27th on the coffee table, turning to the page of the commentary on CCTV's lowering of interest rates. Zhang Ke thought to himself: It turned out to be here to talk about this article. Xu Ruiping is also at Tang Xueqian's home. He has been officially transferred to the city government office as Tang Xueqian's secretary. The administrative establishment is at the department level, and he stays without pay to contract the city porcelain factory as a deputy department-level cadre.

"Still waiting for you. Did you meet Tang on the road?" Tang Xueqian watched Tang, Zhang Ke and Zhao Shi, the director of the city credit cooperative walk in, and stood up from the sand. The arrangements are full during the day. I think everyone will have a meal, so I invite you to have a meal together at home, and chat at the dinner table casually. This is Zhang Ke, the kid from Zhang Zhixing's family..."

When Zhao Shi recognized Tang Lai, he guessed who Zhang Ke was. The **** boy from Zhang Zhixing’s family was like Tang in the bus, with his hands on the girl’s ground. He was also indecent. What's the difference? He smiled calmly and said, "It's very similar to Secretary-General Zhang, so handsome!"

Zhang Yan rarely sees that Tang Xueqian invites the following people to eat at home. It seems that he appreciates the article published in Haizhou Daily on the 27th. Presumably Zhao Shi can also realize that his brows are pressed down and he can't hide his pride.

Dinner was almost ready. Tang went to help her mother prepare the dishes. Tang Xueqian ran to the second floor and took a bottle of dry red, but worked for a long time to find a corkscrew.

Tang Xueqian came to Zhao Shi to see from this article that he has his own views on the economy, and wanted to talk to him. The topic naturally started from the central bank’s two consecutive interest rate cuts and talked about the subtle signs that currently exist in the domestic economy. Zhang Ke listened to them chatting while eating. He felt that what Zhao Shi said can only be regarded as general words. Sometimes the paragraphs in the article are directly memorized, and the article is not as amazing as the article.

Tang Xueqian was also a little disappointed. After dinner, he did not retain Zhao Shi.

Watching Zhao Shi leave the courtyard from the floor-to-ceiling glass windows, Zhang Ke smiled and said, "I saw Director Zhao memorizing his own article on the bus!"

"Wenfangworm! It's hard for him to come by bus," Tang Xueqian smiled helplessly, "I was thinking, Zhao Shi really has this level, and the city credit union will not fall to the level it is today. I don't know if I can find this article. The real work... this article has some weight."

"Look for Li Ming to learn. He should be familiar with people who study economics in Haizhou. Maybe Director Zhao wrote this article with the gun he got from the Department of Finance of Haida University..."

"I hope this gunman will be in the urban credit union system..."

"Why?" Zhang Ke asked.

"Come on," Tang Xueqian said, beckoning Zhang Ke to sit down in the living room. "The Urban Credit Union has gradually exposed many risk management problems in recent years. Resolving local financial risks and setting up a city commercial bank, I have a headache for this recently..."

"Establishing a city commercial bank," Zhang Ke asked, "when did it happen?"

In 1995, the State Council required all localities to establish city commercial banks on the basis of city credit cooperatives, but the progress of each province and city is different. For example, Huishan has a relatively high economy, and the province first established a city commercial bank in Huishan as a pilot. The areas with poorer economic development levels were later. Zhang Yan did not expect to have already advanced to Haizhou.

"Just last month I saved the literature, you are in Xinwu."

Zhang Ke bit his lip and said, “It’s not difficult to set up a city commercial bank. I haven’t read the province’s text, but I have read the central government’s document last year, which is based on the current city credit cooperatives. It can be formed by looking for a few local companies to invest and hold shares, but I am afraid that localities may not be able to learn the lessons of the establishment of urban credit cooperatives..." Historical experience also proves that more than 100 cities were established in the mid-1990s. After ten years of development, most commercial banks have accumulated serious problems. It is nothing more than arbitrary loans under the strong intervention of the government or some people, causing huge bad debts and bad debts.

"The establishment of a city commercial bank not only allows private institutions to hold shares, but also allows individuals to directly hold shares. Is Kumho interested in..."

Zhang Ke knew that Tang Xueqian took the initiative to find himself for dinner. There is no good food to eat.

The registered capital of city commercial banks is only required. Even if private companies are allowed to hold shares, it is strictly prohibited for a private company to hold more than 15% of the shares. That is an investment of 15 million yuan, but Zhang Ke must consider what this investment can bring to himself.

Tang brought tea. Zhang subconsciously went to pick it up. Give

One hand: "This is not yours..." Zhang Ke smiled. First hand it to Pingtui and give it to Tang Xueqian. Naturally the second cup was not Zhang Ke's. He looked at Tang eagerly at the kitchen, and after a while he brought out a cup of coffee. Looking at the color of the coffee, Tang added a lot of milk in it. This is Tang’s favorite flavor. Fortunately, he and Tang drank together. A cup of coffee has been around for a while, and I am used to her taste.

Tang Xueqian saw that Zhang Ke was distracted by the coffee matter, and said: “At present, some of the more famous consortia in the world are banks. They control a large number of geo-industrial and mining enterprises with huge bank capital. The most important thing in Kumho is that Kumho doesn’t have such a foresight?"

Zhang Ke smiled slightly and said: "Kumho is still a hundred and eight thousand miles away from the truly influential consortium... Without that, there is no such thing, and the key national policies are not supported..." Zhang Ke Naturally, I know that the banking industry will gradually open up to private capital in the next ten years. It can be said that the restrictions are getting less and less. Kumho thinks that it will take a long time to develop into a consortium with huge influence.

"So, did you think about it?" Tang Xueqian asked.

"Hmm..." Zhang Ke nodded, there is no need to deny this.

If Kumho can control a commercial bank through its shareholding and then provide commercial loans to support potential corporate development through the commercial bank, it will always have strong power and influence over these companies through the commercial bank. In modern society, this kind of penetration and influence is truly powerful.

For example, if Kumho wants to support Century Catering’s development of tourism industry in Xinwu, Kumho’s direct loan provision is bound to have a certain impact on the development of Kumho’s subsidiaries, but only a relatively small amount of capital is needed to control a commercial bank. By absorbing deposits from the public and enterprises, bank capital can be magnified by a factor of ten, and providing commercial loans to Century Catering will have the least impact on Kumho’s own operations. If this bank also has close business relationships with other related companies, it can naturally promote the integration of resources between Century Catering and these companies through the bank's influence, and at least get some support from these companies.

Yes, this is the real way for Kumho to grow.

In 1995, the State Council formally requested all localities to establish city commercial banks on the basis of urban credit cooperatives. It also explicitly allowed private enterprises and private equity holdings. This is probably the real beginning of the entry of domestic private capital into the banking industry. Strict control, but the characteristics of private financial capital also appear.

Of course, during the city commercial bank exhibition, due to strong government intervention, city commercial banks took many detours during the exhibition. There is also a very strict restriction that city commercial banks in various regions prohibit cross-regional operations. In other words, the Haizhou City Commercial Bank cannot expand its bank outlets outside the Haizhou area, so that the City Commercial Bank has no real opportunity to grow. Under various restrictions and direct interference from the government, in the end only a few city commercial banks, such as a few city commercial banks in Zhejiang Province, got real development. The most important experience for the success of these city commercial banks is to reduce direct government intervention in banks, so that city commercial banks mainly serve the private economy in the region. Five or six years later, the reason why private and private capital in these regions can form a group of hundreds of billions of capital, hitting the country’s property market, stock market, energy, mining and other fields. City commercial banks in these regions have played a significant role. Important cohesion.

Kumho is exhibiting, and private capital in other regions is also exhibiting. If Kumho is a thriving exhibit, it will obviously be difficult for Kumho to directly compete with hundreds of billions of capital in ten years' time. Even if they cooperate with Shengxin and Haiyu, their strength is very limited, but through the city commercial bank to exert influence on private enterprises in Haizhou area, a loosely-connected regional economic alliance can be formed, with a few large enterprises as the core, it can also form a huge Capital power.

Zhang Ke lowered his head to consider for a while ~www.readwn.com~ and said: "If you say you are not interested, you may not believe it. I want to ask, will the city give up the controlling rights? I mean whether it is direct or indirect. …Although there are restrictions on the shareholding ratio of each private institution in the document, there is no clear regulation on the proportion of private capital to the total share capital. In theory, the city can give up the controlling rights..."

Tang Xueqian said: "This issue has been discussed by the Municipal Standing Committee, but the opinions are not unified, and there is no final conclusion yet..."

"Also, no one around us has the experience of preparing and managing a regional commercial bank." Zhang Ke looked at the Haizhou Daily on the 27th on the coffee table, or the article commenting on the central bank's lower interest rate. , "Whether this person will work or not is still unknown."

"Always do it," Tang Xueqian said, "Since you are interested, then I can ask you to help me share some..."

Zhang Ke spread his hands and said, "Uncle Tang, you just said it directly. I can't say that you are planning first. I will decide whether to participate after seeing the situation. It's just that my shoulders are thin and small, and I can afford it. Very limited."

Tang Xueqian laughed and said, "I raised a daughter, so I envy your dad to have a son to share the pressure for him. If you want to play tricks and don't work hard, of course I can't help you."