"Sanshui City Bank" is the people's own bank in Sanshui City.

Forty-nine percent of the shares are owned by ordinary people who have invested in the company.

Calling on cadres across the city, it is not difficult for people to choose "Sanshui City Bank" for deposits.

Moreover, local banks are much more flexible in their methods. If they cannot increase deposit interest rates, they can offer small gifts on deposits to attract depositors.

As long as you are willing to use your brain, you can ensure that "Sanshui City Bank"'s own funds plus real deposits will definitely not be less than 300 million a year.

The deposits are converted into corporate loans, and the loans are converted into working capital. Some of them are considered demand deposits, which are converted into loan lines.

After "Sanshui City Bank", a local bank, comes into play, it is conservatively estimated that it can increase the loan limit by more than 500 million for good enterprises in Sanshui City.

It is necessary to focus on supporting the "Full Power Enterprise". The current "Full Power" air conditioner has won the first place in the country's sales volume.

With large-scale financial support, R&D and expansion are carried out at the same time, and the two or three years sanctioned by the Western camp are used to focus on development.

I believe that in three years' time, facing the competition from Xiaoguizi air conditioners, "Full Force" air conditioners will definitely be able to compete and win.

This is not a figment of imagination. The Japanese yen has appreciated and the RMB has continued to depreciate. In addition, the country has not yet joined the World Trade Organization, and the tariffs on imported electrical appliances are very high.

Gradually, Japanese electrical appliances collapsed across the board, and air conditioners were no exception.

Historically, in the 1990s, Japanese air conditioners could not compete with Chunlan. Now that they have better and more cost-effective "Full Power", there is no doubt that they will win.

Next, Huang Hanhui asked the city to seriously clean up rural cooperatives.

This kind of unit is not rampant yet. In the future, the chaos and smog will be a bottomless pit. Sanshui City should simply cut it across the board and not allow this kind of organization to exist.

In the future, the population of Sanshui City can be calculated as one million, with an estimated deposit population of 200,000, and an estimated 100,000 people depositing money in the "Sanshui City Bank".

No need to overestimate, the average estimate is two thousand yuan, which is still two hundred million. Add in the deposits of enterprises and institutions, how much should it be?

Huang Han definitely wants to invest in "Sanshui City Bank", but he must pay attention to the position and try not to exceed 10%.

In the future, "Sanshui City Bank" will be guided to handle housing mortgage loans and take the lead in handling mortgage loans for home buyers.

If funds allow, you can participate in real estate development. This investment is not a loan, it is not just about earning interest differences. Everyone knows the profits here.

It can be concluded that the "Sanshui City Bank" controlled by Huang Han behind the scenes will definitely make huge profits.

Qin Kunlun is the secretary, so of course he has to talk about politics. He asked doubtfully: "What you mean is that you only select the good enterprises and institutions in Sanshui City for service and treat them differently. Is this good?"

"There are state-owned banks such as the Agricultural Bank of China and the Industrial and Commercial Bank of China. They have different levels and are more professional. If the 'Sanshui City Bank' is unsure about the enterprises that want loans, of course it will be given to them."

"Haha..." Qian Guodong couldn't help laughing and said, "Yes! State-owned banks should assume greater responsibilities and should not be picky and selective in their customers."

"When we set up a city bank, we must carry out savings business. This will take away many depositors from state-owned banks!" Mayor Ma said.

Mayor Gao, who was in charge of the bank, understood the situation and said:

"It doesn't matter if you take away half of it. Our Sanshui City is developing well, and the savings amount of several major banks is far ahead of other counties in the province, and even surpasses several prefecture-level cities.

And the loan amount obtained by our city's enterprises has not reached the proportion of the increase in savings. It is such a disadvantage."

Qin Kunlun said: "That's right! We started our own bank. We understand the development momentum of enterprises in Sanshui City, and it is easier to pool funds to do big things.

I have decided to do it, and do it in a big way, Lao Song, can you take the lead in this matter?"

"I'm confident. Let's do this. Let's vote by a show of hands. If there are comrades with different opinions, don't hide them away. Let's discuss them together."

Mayor Ma immediately raised his hand and said: "We've said it all, how can we still have different opinions? The next step should be to work together to make the bank prosperous."

Qian Guodong, Xu Muguang, Mayor Gao, etc. all raised their hands, which was equivalent to unanimous approval.

Next, we began to discuss the proportion of capital contribution, because Huang Han has always emphasized that the government must hold a controlling stake and the municipal government must account for the majority.

The proportion of shares held by an individual shall not exceed 49%.

The city government has money, but not much. It can contribute two million.

We can also allocate land and several business buildings in the city to open savings outlets, and we can also ensure that more than 20 towns and villages will allocate business buildings to open savings banks and sales departments. The discount of these assets can be calculated as three million.

The city government is only allowed to invest RMB 5 million in assets and cash, while other units and individuals are required to invest in cash.

The Bureau of Materials and Materials is relatively rich, and Qin Kunlun will mobilize them to invest five million. As for how to allocate it to the top ten companies, it will be left to Qian Puyi to figure out.

The year before last, all the top ten companies in the material system invested in the "Homeland Group" and all achieved good investment returns.

The quota of 500,000 yuan that can be allocated to a family by investing in "Sanshui City Bank" is too low to guarantee.

The Bureau of Commerce also has money. A few months ago, the price of famous cigarettes and wines was liberalized, and the sugar, tobacco and wine companies made a lot of money. The profit from Hongtashan cigarettes alone was more than one million.

A quota of two million can be given to the Sugar, Tobacco and Liquor Company, and Lu Yuqi will take care of the rest. Anyway, the total amount given to the Commerce Bureau will not be more than four million.

Throughout the discussion, Cheng Shengli, who was ranked at the bottom, basically did not speak.

But when it came to allocating the shareholding ratio, he raised his hand. The intermodal transportation company would buy 3 million shares, the bus station would buy 1 million shares, and the transportation bureau would buy 2 million shares.

The Supply and Marketing Cooperative is also a unit with money and territory, and the Post and Telecommunications Bureau is also very profitable, not to mention the Power Supply Bureau.

Their leaders in charge have all reported the shareholding amount, and they all said that this amount is very conservative and can be increased if necessary.

Song Jiefang recorded these numbers in his notebook, looked at them, smiled, and said:

"Let's not discuss what other enterprises and institutions can contribute. The amount I recorded is already over 31 million.

More than 28 million yuan is reserved for individuals to invest in shares, and the total share capital reaches 60 million, which is already 120 times the required deposit, which is enough."

"Lao Song, it only costs 500,000 yuan to apply for a city credit cooperative. If we pay 60 million yuan to apply for the approval of 'Sanshui City Bank', it stands to reason that the higher-ups should support it!"

"It depends on people. We will go to the province tomorrow to report. If necessary, we can also go to the capital to ask for policies."

"I can't sit still anymore. How about we go back to the office and call the leader right now?"

"I have something on my mind and I don't want to drink anymore. Everyone, Lao Qin and I will take a step ahead. Don't leave in a hurry. It's rare to rest. Drink well and talk slowly. After drinking, go and take a shower in front."

Qian Guodong said: "When you two go back, you can replace Lao Chen who is on duty!"

"That's right, let's go back and replace Chen Yihua, but you have to be careful. With his drinking capacity, he will definitely knock you all down."

"We have all drank a lot, how can we possibly compete with his "Minister Sakai"?"

Cheng Shengli has been busy recently. When the first and second leaders left, he got up to say hello to everyone and prepared to go to the Zhonggan River construction site to take a look.

Because the rivers in Sanshui City have reached the dry season, the economic capacity was limited in the past and there was insufficient investment in water conservancy facilities.

This year Sanshui City's fiscal revenue increased by 50% compared with last year. Cheng Shengli made a report, clarifying that many water conservancy facilities were in disrepair and many rivers were seriously silted up, and called for the launch of river lifting projects.

Cheng Shengli is in charge of the Transportation Bureau, Water Conservancy Bureau, etc. He didn't spend any energy on the Water Conservancy Bureau before. He has always spent his energy on the development of the Transportation Bureau.

During the summer vacation, Huang Han deliberately had a heart-to-heart talk with Cheng Shengli and asked him to change his approach. He told him that if he managed the Water Conservancy Bureau well, he would achieve unexpected political achievements.

Strive for more funds to build water conservancy projects in your hometown. It will be a good thing for thousands of families to have Buddhas. It does not matter whether you have political achievements or not. I feel that this work is meaningful and very positive.

Cheng Shengli has a good character, even better than Qin Kunlun and Qian Guodong. Huang Han likes people like him and wants him to have a smooth career.

As the deputy mayor, he currently ranks at the bottom of Sanshui City. How can Huang Han just sit back and watch.

Therefore, if Cheng Shengli focuses on water conservancy construction for three consecutive years, the hidden dangers in Sanshui City will definitely be eliminated, and the navigation mileage of inland river ships with a displacement of 100 tons will be increased by at least 50 kilometers.

Sanshui City was also a disaster area in the 1991 flood in East China, but the damage was not very serious.

At that time, Huang Han was 21 years old and Liu Xiaoming was 22 years old. Both of them participated in flood fighting and rescue operations.

In fact, they were lucky. The levee they were responsible for guarding was not in danger, and not many areas in Sanshui City were flooded. Compared with other counties and cities, the losses were much better.

At the end of 1988 and in the spring of 1989, Sanshui City spent a hundred days on a water conservancy construction project, repairing, dredging, and constructing water conservancy facilities that had experienced dangerous situations.

I continued to work for the next two years, working for a total of 300 days. When the flood occurred in 1991, Sanshui City, which was originally considered safe, must have been calm.

Overhauling water conservancy can prevent thousands of people in Sanshui City from suffering property losses and preserve thousands of hectares of fertile farmland that will soon be harvested.

When the floods occurred in East China in 1991, the entire East China region was in dire straits. How serious was the disaster? It's really hard to say.

But one thing is certain: the entire East China region has not launched a major campaign to repair water conservancy facilities for more than ten years.

That's because since the "big contract" was implemented in rural areas, the battle-style overhaul water conservancy model of the 1960s and 1970s has since disappeared.

This has brought about new problems. Water conservancy facilities in too many places are in disrepair.

This is not Huang Han's conjecture, but the experience and lessons learned by experts after the Dongfeng floods.

Sanshui City is unique. As early as the end of 1988, it took the initiative to investigate and discover hidden dangers in water conservancy facilities.

Cheng Shengli, the foresighted mayor in charge of water conservancy, is not only good at identifying problems, but also proactive in solving them, and has been doing this for three years.

When most areas in East China suffered heavy losses from floods, the industry and agriculture of Sanshui City were not affected. How many honors will the leadership team of Sanshui City receive?

How should Cheng Shengli, the mayor who strongly promotes investment in water conservancy facilities construction, be commended?

Such a good cadre, such a good comrade who works hard and never complains, it is unreasonable not to promote and reuse him!

Today's water conservancy construction in Sanshui City no longer involves launching human-to-sea warfare, but instead implements mechanized river diversion.

In order to seize the opportunity during the dry season, all construction companies in Sanshui City, including Ziqiang Construction Company, sent half of their bulldozers and excavators to support the Water Conservancy Bureau's construction site.

These machines are borrowed, and the engineering project department pays the minimum costs such as fuel, driver's salary, etc., and no other payments are required.

No construction company wants to make money for water conservancy projects in their hometown.

With large machinery in place, rural grassroots cadres led party members to the river construction site, and then implemented militarized management. They set up marching tents on the river embankment and accommodated them in company units.

There is another most important one, which requires all enterprises and institutions in the city to send people to work for a full 100 days according to the ratio of 5%.
To be continued...