From the early 1980s to the 1990s, more than 5,000 urban credit unions across the country have grown. Although the number has increased, the imperfect financial management system of urban credit unions has also exposed too many risks.

For example, the property rights are unclear, the administrative intervention of governments at all levels has affected the improvement of the corporate governance structure of credit unions, the loan approval procedures are too simple to form a large number of bad debts, etc. Credit unions have become a historical burden.

In order to eliminate the existing drawbacks of urban credit cooperatives and resolve the financial risks borne by local governments, the central government decided to introduce private capital and establish a multi-level, multi-type and multi-level market financial system.

In other words, urban commercial banks are actually specific products under historical development.

The mainland established the first urban commercial bank in 1995, which was later Ping An Bank. More than 20 years later, the membership of the urban commercial bank has grown to 134, and the overall profit has increased by more than 40 times.

However, these are all later stories. At present, city commercial banks are still in the stage of "feeling the stones across the river". Private capital and the masses have little trust in such financial institutions without government endorsement, and are in the wait-and-see stage.

In addition, according to the policy provisions of the People's Bank of China, local governments can invest in the equity share of urban commercial banks, but their holdings shall not exceed 30%, private investment institutions shall not hold more than 10%, and private holdings shall not exceed 5%.

"Mayor Lu's meaning, in the early stage, everyone took out 1 billion yuan to build the framework first. As for providing financial support for small and medium-sized enterprises in the future and paving the way for local development, they can slowly inject capital in the process. What do you think?"

After Guo Zixian finished speaking, he asked Xiong Baizhou about his opinion on this matter.

At this time, Guo Zijing also slowly walked downstairs.

Her skin is much thinner than Xiong Baizhou, and her mental quality and ability to withstand are far inferior to her. How could she face Guo Zixian as calmly as Xiong Baizhou, and talk about her business layout indifferently.

The situation tonight was like being "catched in bed". Guo Zijing wanted to pretend to rest in the bedroom, but she felt a little guilty, and finally walked down with a sleepy look: "Sister, are you coming back so late?"

Now these two people in the living room, Xiong Baizhou and Guo Zixian, can be said to be masters of human nature in the shopping mall. Seeing Guo Zijing's actions of stealing the bell, Xiong Baizhou sighed in his heart.

The performance traces are too obvious, how could it be hidden from Guo Zixian?

However, even though he saw through his sister's thoughts, Guo Zixian took back his aggressive attitude when he just called and took a sip of flower tea calmly: "Well, I'll discuss something with Xiong Baizhou, but I can't explain it clearly on the phone."

In terms of beauty and figure, the two sisters have their own advantages, but in terms of cultivation, Guo Zijing may not be able to catch up with Guo Zixian, so Guo Zijing cannot deceive Guo Zixian, but Guo Zixian can fool his sister.

In the end, Xiong Baizhou couldn't stand it and couldn't bear to let Guo Zixian continue to tease Guo Zijing, and took the initiative to change the topic and said: "City commercial banks are banks with strong regional dependence. Before there is sufficient financial reserves, their radiation range is only in this province at most."

Guo Zixian listened attentively.

"However, Yuecheng is now the most active city in mainland China with economic development, and it is adjacent to Hong Kong, with developed transportation and extremely inclusiveness. These advantages provide a good soil for the development of urban commercial banks. This is the fundamental basis and prerequisite for the development of urban commercial banks."

When the nanny saw that there was no water in Xiong Baizhou's teacup, she walked up diligently and filled it up. Xiong Baizhou nodded and continued to say, "Let's analyze Lu Chongxiu's heart again. He knew that I was very close to you, but he did not tell me alone. Instead, conveying this matter through you may be testing my thoughts."

"If I have any intention, I will naturally contact him; if I have no plans, I will pretend that the commercial bank has not been mentioned."

Guo Zixian nodded: "Mayor Lu said that the preparatory meeting has not yet been held and the preparatory team has not been established."

"That's right." Xiong Baizhou smiled and said, "Lu Chongxiu said this on the surface, which can be regarded as the conditions for exchange, but in fact it is actually to win over shareholders for the next step of establishing Yuecheng Commercial Bank."

"It's a lot of things to set up a city commercial bank. Just the restructuring and reduction of credit unions, Lu Chongxiu is not so easy to deal with."

Credit unions used to be financing tools that local governments could directly master, and they could be said to be intricately related to the government. Moreover, the financial shady of credit unions is very serious now, and most of them are considered bad assets.

To make urban commercial banks resurrect in such a mess, Lu Chongxiu naturally wants to have some helpers with strong strength and cooperation foundation.

In addition, Zhoumei Electric Appliances' rich turnover is simply tailor-made for urban commercial banks. As long as Zhoumei Electric Appliances deposits this money into urban commercial banks, it will immediately have a foundation for development and growth.

"So, are you going to agree to this exchange condition?" Guo Zixian understood Xiong Baizhou's implication.

"certainly."

Xiong Baizhou naturally would not miss this opportunity: "I just thought about it. Among the 1 billion yuan funds in the early stage, Guangdong City Government accounted for 30%. Zhou Mei, Aiduo, Liantong, Shenxiu, Hengji, Shuguang is 60%. You and I will invest 5% personally, and we will live together."

There are many rich people in Guangdong City, but they have taken out 700 million yuan in real money at once. There are not many people on this list.

"When did you understand finance?"

Since Xiong Baizhou plans to take over the business of the city commercial bank, Guo Zixian will no longer have hesitation.

Xiong Baizhou will naturally help clarify the complex relationships, but she still finds it strange that Xiong Baizhou is good at market planning and relationship management, and has never seen him show his talent in the capital market.

"I don't understand either." Xiong Baizhou replied honestly: "But although I don't understand, don't Hong Kong have Hang Seng, HSBC, and Citibanks?"

"We hire one or two managers to gradually digest non-performing assets according to the corporate management model, reduce the non-performing loan rate, and increase the scale of the mortgage loans of depositors. Moreover, they do not have much interest disputes with them here, which can ensure the purity of the city commercial bank."

Guo Zixian pointed her beautiful chin: "Then I will reply to Mayor Lu tomorrow."

"Can."

Xiong Baizhou also agreed, but he quickly added: "But the crown you want to answer is, for example, taking supporting the economic construction of Guangdong City as your mission and meeting the needs of serving the general public as your goal, and striving to provide professional, high-quality and efficient financial services for Guangdong City small and medium-sized enterprises to achieve a new round of rapid development."

Hearing the perfection of Xiong Baizhou's details, Guo Zixian couldn't help but smile, her eyes were moist and bright. She gently tied the hair on her temples behind her ears, and she felt a sense of quiet and graceful beauty, and then slowly stood up.

"Since the matter has been resolved, I'm going to go back and not bother you."

Seeing Guo Zixian leaving without rest, Guo Zijing was also a little panicked: "Sister, I'll change my clothes and go with you."

"What?"

Both of them left, and it was not very meaningful to stay here, so I could only say, "Then I'll go back together." Fupin Chinese
Chapter completed!