I am reborn without a pattern

"Shacheng Food" has started renovation of its temporary office in Songjiang, because it is going to officially launch local business, and the business volume will be very large once it starts.

Zhang Haonan saw Ding Yong who was a little tired in the conference room, and quickly brought a cup of ginseng tea over, "At this age, there is no need to work so hard, right?"

"I want to raise a son."

Comrade Lao Ding rubbed his temples, took a sip of ginseng tea, then adjusted his glasses to look at the information, and clicked with his finger, "The four points of shares are not too small for you, right?"

"You're kidding, I'm not interested in money."

"..."

The major shareholders of the newly founded "Daqiao Rural Bank" are actually Shacheng State-owned Assets, Gusu State-owned Assets, Jiankang State-owned Assets, Liangjiang Province State-owned Assets, Songjiang City State-owned Assets, Liangzhe Province State-owned Assets, Haidai Province State-owned Assets, as well as two agricultural-related central enterprises and state-owned assets directly under the ministries and commissions. Management company…

Among the private capital, Zhang Haonan is already regarded as the largest shareholder among the major shareholders. The second private capital is only 2.3, and the third is Liu Yuanchao. The "Old Liu Family" also has a hand in it, with 2.1.

The operating entity is the management of "Shacheng Food" and the Shacheng Modern Agricultural Development Zone (Daqiao Town), which is dual-led by the Shacheng City Government and the Suzhou City Government.

The temporary business is to lend money and absorb deposits. There are currently two loan products. One is the "Haonan Bursary" launched by the Liangjiang Provincial Department of Education in collaboration with the Shacheng Education Bureau. It is named after the chairman Zhang Haonan. The temporary product promotion scope is "Shacheng Food" Related to the natural village where the rural supply and marketing cooperative is located, the second is the "Special Loan to Benefit Farmers and Get Rich" project promoted by the Liangjiang Provincial Department of Agriculture in collaboration with local agricultural bureaus and "Shacheng Food".

There is no profit point in the scholarship, but there is a profit point in the "Special Loan to Benefit Farmers and Enrichment". It is interest-free for two years. If you continue to borrow money from the third year, the loan contract will be executed according to the interest rate of the country's general commercial banks.

Both of these things are thankless for any commercial bank, but for "Shacheng Food" and "Daqiao Rural Bank", that is not necessarily the case.

There is an account that is actually very easy to calculate. When "Shacheng Food" completely expands its business to the whole province, then as long as the credit of "Daqiao Rural Bank" does not collapse, it will be calculated based on the entire rural population of 40 million in Liangjiang Province. Take the One-tenth, that’s four million people, and one-third of them are adult labor savers, that’s one million savers.

Compared with the hundreds of millions of depositors that the state-owned large-scale operation has immobilized, this is naturally not worth it, but in terms of the quality of depositors, a large part of these depositors must be local "big households" that have business relationships with "Shacheng Food" ".

If the national economy develops as rapidly as the political and business circles in Liangjiang Province expect, then it is very likely that the deposits of these high-quality savers will generally exceed 10,000 yuan.

From a profit perspective, only engaging in deposit-taking loan business is sufficient to support the long-term development of "Daqiao Rural Bank".

And from a human perspective, as long as "Shacheng Food" does not abandon the local rural supply and marketing cooperatives easily, then this is the foundation of the "century-old store".

Liu Yuanchao took away 2.1 shares and paid a high price, including but not limited to public relations resources in the provinces of North China. However, the "Old Liu Family" highly appreciated his investment project and gave it a high evaluation. .

Moreover, the affiliated companies of "Daqiao Rural Bank" enjoy a good reputation in society, so retired old men in the capital also feel that Liu Yuanchao is doing some practical things that are meaningful to society.

Of course, Zhang Haonan didn't know this. Anyway, he didn't pay a dime and picked up four points of shares for nothing. It can't be said that he didn't sell it, but it basically means he didn't sell it. In addition, he also has shares in "Daqiao Import and Export Trading" , in fact the shareholding ratio is even higher.

But no one had any objections, not even the old man Wei Gang.

After all, he is a positive character.

Although there was no frontal photo, the official newspapers in the Yangtze River Delta region all gave a page to boast about the "Haonan Bursary". Zhang Dashan's image was very tall, and even Liangjiang University of Technology sent boss Zhang another letter. A small red flower.

Songjiang's side is a double report. First, it focuses on Boss Zhang's "bravery for justice" and determines his character in terms of moral character, and then talks about the "Haonan scholarship". This is the natural result.

The arrogant boss Zhang asked a local old man to make another chicken bone sauce at the food stall, and then brought one to Old Man Ding.

In the conference room, the atmosphere was not serious every time Zhang Haonan was around. Except when Mr. Zhang had to stand up for employees illegally, most of the time, when Mr. Zhang appeared, his temperament instantly changed from a local leading company to a grassroots team.

No way, Mr. Zhang and Mr. Ding have different styles of painting. Mr. Zhang's rural atmosphere is too strong.

"You're not interested in money?!"

Ding Yong took a bite of the bamboo shoots, and then his eyes lit up, "Oh, this is a pretty good skill."

"My boss used to work as a cook in a state-owned hotel, what do you think?"

The management of the think tank secretariat also wore suits and ate "local food" together, and the meeting place was turned into a food stall.

Full of temperament.

"Why should I be interested in money? I don't have a family behind me, and no one forces me to make money. I'm not a second-generation white glove, and I don't have to work overtime to die. I have so much money now. , I won’t be able to use it all until I die, Mr. Ding, tell me, why should I be interested in money?”

"Shut up. No wonder Mayor Wei got angry when he heard what you said. Who wouldn't be angry after hearing this?"

Ding Yong glanced at him. Chatting with him was better than eating chicken bone sauce, at least it tasted good.

"Anyway, I just put my name on this bank. I know nothing about finance, even though I made almost 100 million from stock trading."

"..."

"..."

"..."

All the financial managers here are constipated, and this is what makes them most uncomfortable.

Even if there are two assistants to the financial director, one of them is from the finance department of Aurora University. Last year, he was still a fresh and tender leek...

Before Boss Zhang became famous, his employees all knew that he was a vegetable seller in the countryside and occasionally fished in the river. However, he was very skilled in selling vegetables and was still successful in the stock market.

Individual stocks have losses, but overall they make huge profits. I can’t understand it, I can’t understand it.

"In terms of supervision, I have already communicated with Mayor Wei. Relevant departments of governments in many places rotate and implement a rotation supervision system. The relevant departments of Jiankang and Suzhou are the main body, supplemented by the brother departments of the Jiangbei area cooperation. At the same time, a' The whistleblower system can be regarded as a 'whistleblower' system. They are all young people at the grassroots level. They are bold and not afraid of old tricks. After all, as long as they dare to report, I will kill Shen Changjiang who robbed me of my money."

Zhang Haonan, who was half lying in a chair, had no real appearance. When he got along with Ding Yong, he was completely at ease. Old Ding's happiness and "successor" for the rest of his life depended on Wujiadai Village and "Shacheng". "Food", besides, the old comrade is now waiting for his son to come down to earth, and then his household registration will be firmly established in Wujiadai Village.

Boss Zhang is Ding Yongyouqiu's Zou Ji. He will definitely say that Boss Zhang is more handsome than Xu Gong in the north of the city, no matter how disgusting he is in his heart and how much he violates his own principles.

"Don't just slander the Yangtze River. The chairman of a big company needs to be more presentable. Are you going to the capital and keep talking about slandering the Yangtze River?"

"Shen Huanghe? Haihe? Liaohe?"

"..."

Very good, very gratified, at least Mr. Zhang's geographical knowledge is not bad.

"By the way, next year I will replace all my company salary cards with those from Daqiao Rural Bank."

"It can be put into operation so soon? Impossible, right?"

Ding Yong forgot to chew the bamboo shoots. It’s nonsense. There are still three months until next year. It’s not that fast to prepare legal documents, right?

Putting aside the matter of licenses, the company structure and internal control system alone are now completely gone...

Of course, it can't be said that there is no trace. Shacheng has been prepared for it. Wei Gang directly packed up all the local banks that were preparing in other places.

This robbery was not stressful at all for Wei Gang, and the other party didn't even dare to fart. It wasn't that he didn't want to fart, but the buttocks of the operators were full of shit. Wei Gang could send them to use the sewing machine at any time, so facing Wei Gang Gang was so arrogant that he could only pretend to be blind, and in turn cooperate with Wei Gang's work.

Taking advantage of other people's weaknesses to get whatever they want is a technique Wei Gang learned from some veteran greedy men.

There is one thing to say, it is very useful.

However, even if the structural system problem is solved, there is no detailed financial plan at all. The only thing we have is two products and an inexplicable confidence in the future.

In terms of starting capital, capital, risk reserves, etc., everything is blank. After a meeting and bragging, it seems that there is nothing to do.

Are you still expecting to open for business next year?

Isn't this a joke?

There are also presidents, department managers, account managers and ordinary employees. None of them have been finalized. There is no recruitment plan, no job training, not even who will interview and who will make a salary plan. Where does Boss Zhang have the courage to say next year? Does the company use the account of "Daqiao Rural Bank"?

Core system, payment system, risk management system...

Do you have any clues?

Have you completed the approval and communication with the regulatory authorities?

Ding Yong, an old comrade, thinks from a professional perspective that Zhang Haonan is completely talking nonsense.

but!

He has known Zhang Haonan for so long, and he has long been used to seeing the weird results produced by Zhang Haonan's various weird operations. Therefore, at this moment, he did not deny the suspicion professionally, but... was skeptical.

There was no way, he now really felt that this kid could really "turn water into oil".

"Why not? Can't we just entrust other banks to help?"

"..."

"Anyway, Mayor Wei said so, and I feel it's not impossible. Mr. Ding, is this illegal?"

"It's not illegal."

"Does that mean it can be done?"

"Can."

"That's okay."

"you're right."

Mr. Ding ate the chicken bone sauce in silence, and then he felt that he was getting old, and his brain was indeed a little slow. But listening to what this guy said, it seemed that it was another old man's suggestion. It should not be that his brain was slow. , it’s because we have a small structure and don’t have a big picture view.

It has to be Mr. Zhang, who has a big picture, a long-term vision, and a broad overall perspective.

In fact, Mr. Zhang didn’t know what he was talking about. He thought that since Mr. Wei said it was okay and it wasn’t illegal, he could just do it.

How can the financial regulatory authorities hold a meeting to discuss it? It has nothing to do with him. He only has 4% of the shares.

Very few.

PS: Let me make it clear that the author is just exaggerating what he has seen and has nothing to do with the content of the book. I am just a mechanical engineer.