Countercurrent 1982

"It's good that you can contribute to our domestic private enterprises, but you also know that if you want to start another private enterprise, it will be very difficult." Jing Shuping frowned slightly, and continued: "When we prepared to prepare Minsheng Bank, we also encountered a lot of resistance. On the one hand, it came from the inside, and on the other hand, it came from above. First of all, on the issue of equity allocation, investors first need to carry out a certain degree of resistance. Sacrifice, and in terms of rights and obligations, it is also difficult to reach an agreement. Judging from the current situation of Minsheng Bank, many shareholders only pay a small amount of money, but they want a lot of returns, several times or even

More than ten times, borrowing money from the bank, and until now, some shareholders have been delaying repayment..."

"Is there such a thing?" Hearing Jing Shuping say this, Duan Yun was somewhat surprised.Because in his opinion, this kind of thing should have been coordinated internally long ago, and the shareholders who can buy shares in Minsheng Bank should not be the ones who are short of money, at least they will not expect the situation of defaulting on their debts, but from Jingshuping
That being said, the situation should be pessimistic.Moreover, these business leaders seem to be friendly, but in fact, when it comes to actual interests, they are constantly fighting openly and secretly. It is their nature to seek profit, so they want to do business in partnership.

In fact, it is not an easy task to balance the interests of all parties.At the very beginning, the shareholders of Minsheng Bank had a very simple idea, that is, to establish a close relationship with a bank. The most direct benefit is the convenience of loans. Because everyone thinks this way, Minsheng Bank
In the early days of the bank, it lent a lot of loans to shareholders, but some of the loans were not repaid in the end.In fact, since last year, several shareholders of Minsheng Bank have been expelled. The reason is without exception. They all borrowed money and did not repay it.
There were some serious internal problems.

Judging from the development experience of foreign countries, Minsheng Bank needs to focus on controlling the issue of shareholder loans. If things go wrong, it will induce operating risks and even lead to bankruptcy.

During the Asian financial crisis in 1997, some financial institutions in South Korea were finally subverted because of this problem.Statistics show that at that time, the non-performing asset ratio of 16 private banks in Bangladesh reached 40-50%. Almost all private banks were losing money and even filed for bankruptcy.
More than 100.

It can be seen from this that becoming a shareholder of a bank is of great importance to the capital brain. In fact, even if a bank files for bankruptcy, the biggest loss is not the shareholder, but the depositor.Fortunately, although Minsheng Bank is a private bank, some of its shares belong to the All-China Federation of Industry and Commerce. Although the Federation of Industry and Commerce does not contribute capital, it has the right to speak.

chairman, and its role at Minsheng Bank has become crucial.Among businessmen, it’s not that if you have money, I will convince you. In fact, when the wealth accumulates to a certain level, the difference and status between the rich and the rich will not be as big as people imagine. They can be in the business world...

It has a strong appeal, but when it comes to issues involving mutual interests, no one will give up their own interests to praise a certain business leader.Jing Shuping has been in the business world for decades, and he is a businessman with rich experience and experience, and has a certain amount of great wisdom. It is precisely because of this that he has been able to serve as the chairman of the All-China Federation of Industry and Commerce for many years.

The reputation of the business community has always been very good, which is definitely not something that ordinary people can do.The reason why he said this to Duan Yun was actually to let him back out of the difficulties, because starting a private bank would not be as good as he imagined, especially opening a bank in partnership with others, and sometimes it would even lead to the failure of the partners.
They turned against each other.Duan Yun also thought about such a thing at the beginning, but he was still willing to think about things in a better direction. His original intention was to unite business friends from the Mutual Aid Association, and then use the platform of the Federation of Industry and Commerce to run private banks.

But in fact, if the members of these mutual aid associations are really allowed to contribute, they may plant a big thunder for themselves in the future. "Mr. Duan is a smart person. You can make the company so big, which is naturally outstanding. It's just that starting a private bank in China is different from all the businesses you have been in contact with before. If you are not careful ,
There is a danger of capsizing the whole ship..." Jing Shuping said with a serious face.

"Indeed." Duan Yun nodded in approval. "So my suggestion is that you can spend a small amount of money to buy shares in our Minsheng Bank. I will also negotiate with other shareholders and ask them to give you some rights. In a word, we Chinese say
The focus is on harmony and wealth, hello, hello, hello, everyone, this is actually the safest way. "Jing Shuping said.

"Eh." Hearing this, Duan Yun fell into a brief thought.In Duan Yun's view, Jing Shuping's words were indeed from the bottom of his heart. As a person who has experienced it, he told Duan Yun that it is best not to get involved in the financial industry lightly, because the complexity may be beyond imagination.

If something goes wrong, you may lose not only money, but friends and allies as well.But for Duan Yun, in order to realize his e-commerce platform plan, it is imperative to establish an independent bank. Although ICBC is willing to provide help, the services provided are very limited.

Unable to meet all the needs of Duan Yun.

"Then what if I fund the establishment of a private bank entirely by myself?" Duan Yun asked suddenly after a while.Since it is risky to start a private bank with a partnership, Duan Yun wondered if he could independently contribute capital to start a private bank.
Negative profit and loss, at least it will not affect his alliance in the business world.

"This is impossible!" Jing Shuping replied very simply.

"Why?" Duan Yun asked. "I know that your company has strong financial resources and can independently establish a private bank, but the state will not approve it, because it involves the issue of a country's financial reputation and risks, so the higher authorities will definitely not approve it.
of. "Jing Shuping said. As Jing Shuping said, Duan Yun's idea is a bit simple. Private enterprises want to establish a private bank, which is completely impossible in the current country.