Rebirth Starts From 2006

It is true that Min'an Bank is not as rich as Rainbow Group, but it does not mean that Min'an Bank has less money than Rainbow Group.

Because people have savings!

Except for a part of the money deposited by depositors in the bank, which is used to hand over to the central bank as a withdrawal reserve, the rest can be used by them, and it is used on a rolling basis.

For example, 10 million, as long as the borrower does not transfer the money out, it can be used in an infinite cycle in the bank, playing the effect of 1 billion,

The total assets of Min'an Bank just broke through the trillion mark this year, which is mainly based on customer savings, so in terms of the amount of funds, it is almost the same as Rainbow.

Then through capital operation and borrowing from outside, its economic influence far exceeds that of Rainbow Group by many times. Otherwise, why would Qin Yu go to such lengths to obtain a board seat?

This is the advantage of the retail banking business model!

In Liu Xiufen's view, Rainbow Group is certainly rich and powerful, but the corresponding business scope is also wide. Even if it really has hundreds of billions of dollars in cash, how much can it invest in the retail banking business sector?

10 billion, or 20 billion?

Hehe, even if it is 20 billion U.S. dollars, it would be less than 150 billion U.S. dollars in Ruanmei coins, which is not as much as the Guangzhou branch that Liu Xiufen is currently in charge of.

If so, why should she change jobs? !

Facing Liu Xiufen's question, Qin Yu smiled slightly, took a sip of coffee, and then said with a smile, "Since we decided to enter the retail business segment, we have made thorough preparations."

After a pause, she seemed to be hesitant, but then suddenly smiled, "You haven't come over yet, and it's inconvenient for you to know about some business matters.

However, from a certain point of view, we should also give you some confidence. In this way, I will tell you two, our bright cards. "

The cards on the bright side?

So there are hidden cards?

Liu Xiufen pursed her lips and smiled, but said nothing, waiting for Qin Yu to continue.

Qin Yu leaned on the armrest of the sofa and said with a smile, "Our first card is Rainbow Valley Capital and Future Creation!"

Liu Xiufen rolled her eyes, "All the companies you invest in?"

"right,"

Qin Yu gave her an appreciative look, nodded and said, "Honggu Capital and Future Future have both invested in many companies.

In addition to Damai, Dajiang, Hengli, Anjia, and Huahuo, which have successfully hatched, we have nearly a thousand companies in Guangzhou alone.

According to our estimation, within three years, at least three-digit companies will be successfully incubated, and at least two-digit companies will be listed.

At that time, all these companies can open basic accounts and daily accounts in Rainbow Bank, and then even if only half or even one-third of the funds are placed in these accounts for a long time,

and their employee payroll accounts,

President Liu can imagine how much money we can absorb from Guangzhou alone? ! "

Hearing this, Liu Xiufen couldn't help but nodded, and said with a sigh,

"It was my negligence. Create Future Maker Space has spread to the 20 most dynamic cities in the country. I can imagine that in a few years, thousands of companies will be successfully incubated.

Maybe these companies are not as large as Damai and Dajiang, but they are at least tens of millions, or even hundreds of millions. With these companies alone, even if only a part of them is taken, Rainbow Bank can absorb hundreds of billions of deposits.

Not to mention that through these enterprises, it can affect several times upstream and downstream companies, as well as employees and home users of these companies,

Even if Rainbow Bank participates in the growth of these companies from now on, it will have more influence on these companies.”

Speaking of this, Liu Xiufen couldn't help applauding twice, "It seems that Rainbow's entry into the retail business is indeed a good move!"

After a pause, he raised his head, looked at the smiling Qin Yu, and said seriously, "If I'm not mistaken, the second card you mentioned should be Anjia and Hengli real estate companies, right? !"

Before Qin Yu could speak, Liu Xiufen said confidently,

"As early as two years ago, when I met Mr. Chen of your side, I heard Mr. Chen's wonderful analysis of the real estate industry. I have to say that I was really shocked at that time.

In particular, Mr. Chen’s analysis of the relationship between M2 and housing prices directly determined the bank’s development plan that I made later. I can become the branch president today, which has a lot to do with this plan.

According to the forecast of our bank experts, in this year's situation, the higher authorities will definitely open the floodgates.

Then, as the absolute pillar industry of my country's economy, real estate will undoubtedly usher in a wave of skyrocketing.

Both Hengli and Anjia are excellent companies in the real estate industry. Through them, it is easy to introduce the funds of house buyers into Rainbow Bank, so as to achieve the effect of collecting savings and lending money! "

After talking so much in one breath, at the end, Liu Xiufen laughed at herself, "I was just focusing on analyzing Rainbow Group's own conditions, but forgot these two off-site factors. It really shouldn't be!"

After saying this, she was already moved.

With prospects, room for improvement, and her field of expertise, this position is indeed very suitable for her.

However, Min'an Bank is also the old company she has worked for for ten years, and she is very familiar with all aspects of it.

Moreover, I have just been promoted to the position of branch president, so it would be a pity if I just leave so hastily, and I am very reluctant.

At this moment, I heard Qin Yu say with a smile, "It's a wonderful analysis, but President Liu, this factor has already been included in the previous one by me!"

"what?"

Liu Xiufen suddenly raised her head, her face was full of astonishment, and then she asked in puzzlement, "It's not this? What is that?"

Apart from this, she really couldn't think of anything else that could bring Rainbow a major breakthrough!

Qin Yu smiled slightly and was about to speak when he suddenly noticed that Zhou Na beside Liu Xiufen had a look of eagerness on her face, so she turned to look at her and said with a smile, "What advice does Manager Zhou have?"

Zhou Na smiled embarrassedly, first glanced at her mother, and then whispered after getting permission,

"Is it related to the non-performing asset acquisition you initiated on the five major banks?"

Hearing this, Liu Xiufen was suddenly taken aback, but was somewhat puzzled, and then looked at Qin Yu, waiting for her confirmation.

Qin Yu put up a thumbs up first, and said to Liu Xiufen, "Congratulations President Liu, there are successors!"

Liu Xiufen smiled first, "Boss Qin is absurd, the little girl still needs to exercise a lot,"

Zhou Na also blushed slightly, "I was just guessing."

Liu Xiufen smiled at her, then turned to look at Qin Yu, and asked in puzzlement, "Aren't these non-performing assets handed over to Chuangfuture for re-incubation and integration?"

She didn't think of this before, mainly because she had preconceived ideas, thinking that Rainbow Group's acquisition of these non-performing assets must be handed over to Future Future for reorganization and incubation into a larger-scale enterprise.

But now they are being discussed separately by Qin Yu, obviously not together,

But apart from creating the future, what else can they do to revitalize these non-performing assets?

It is impossible to follow the example of a bank and pack it up for auction again!

"These two are different."

Qin Yu shook his head lightly, and said, "Creating Future Maker Space, from the beginning of its establishment, has determined the purpose of serving entrepreneurs. This part of the business is mainly to invest in suitable ideas, or entrepreneurs, and help them successfully passed the start-up period,

Moreover, this kind of project creativity must be close to high technology and have high future value, so as to reflect the role and pursuit of creating the future.

The non-performing assets we acquire are basically fixed assets. Except for a small part of land that can be handed over to Hengli for development, other assets are either equipment or raw materials. They only have restructuring value and do not have much entrepreneurial value.

In this way, it is naturally impossible to confuse it with creating the future,

Even Rainbow Valley Capital will not intervene too much, and will not be too involved in the follow-up operation and management of these assets after completing the restructuring plan of the asset package. "

Liu Xiufen suddenly became a little dazed, "Then I don't understand, what's the use of buying these assets, and you said it can help the bank?"

Qin Yu smiled, shifted his gaze to Zhou Na, and said with a smile, "Manager Zhou, can you guess another key point to revitalize these assets?"

Zhou Na frowned slightly, pondered for two seconds, and said with a little hesitation, "Is it related to the future industrial new city?"

Qin Yu immediately raised his hands and applauded lightly, "That's right!"

Zhou Na blushed, and brushed her hair in embarrassment, "I just guessed that the new industrial city in the future may need a large number of factories, and these equipment and raw materials can just be used.

However, I can't think of how to make use of these resources. "

At this time, Liu Xiufen nodded thoughtfully, and said, "Fill these non-performing assets into the future industrial new city. If all these assets are revitalized, it can completely drive the development of the entire future new city.

A new industrial city that can accommodate hundreds of thousands of people can provide Rainbow Bank with a huge source of funds, and the financial liquidity in it is a very large number.

As for such future industrial new cities, as far as I know, you have planned a total of 20 in the whole country, the largest three of which are in Beijinshanghai and Guangzhou, and the others exist in 17 big cities.

If all these new towns are developed, the pull to Rainbow Bank will be unimaginable!

but,"

Speaking of this, Liu Xiufen looked at Qin Yu and asked with a puzzled face, "How can you use all these assets to achieve the desired effect without relying on creating the future?"

This is like saying, if I have 100 million, what can I do?

However, how will this 100 million come from?

Qin Yu pursed his lips, shook his head lightly, and said, "I just said that there is no need for Future Creation to incubate these assets.

As we all know, Chuangfuku is the first and largest crowd-creation space in the country, dedicated to incubating start-up companies,

In fact, apart from incubating enterprises, Chuangfu also has another very important business, which is to provide all-round service support for enterprises in need.

The content of this service covers administration, human resources, public relations, business, patents, legal affairs, finance, and even technical and market guidance.

Only what you can't think of, nothing we can't provide! "

Looking at the pensive Liu Xiufen, Qin Yu spread his hands and said with a smile, "In this mode, we only need a truly strong leader, and then give him the resources he needs to revitalize these assets ,

In this regard, our approach is to first go through the Industrial Economic Research Institute of Honggu Capital, and according to the characteristics of the 20 future industrial new cities,

Including regional characteristics and differences in surrounding industrial belts, these asset packages are reorganized and divided, and several large-scale companies are established in each industrial new city.

Then, according to the characteristics of these companies, we recruited responsible persons in the domestic market, and signed business contracts with them through a modern corporate incentive plan,…”

Hearing this, Liu Xiufen blurted out, "State-owned enterprise restructuring model?!"

Provide production materials and provide resource assistance. What the person in charge has to do is to run the company well, and then he can get high bonuses, even shares,

Isn't this the state-owned enterprise restructuring back then!

This was the case for many state-owned enterprises back then. No, it should be said that it was even worse than these non-performing asset packages.

Each of them is heavily in debt, and apart from a small amount of old equipment, there is no other support,

It was under such circumstances that by relying on those capable people, a large number of state-owned enterprises were gradually pulled out of the quagmire.

Now Rainbow is going to learn from them?

"Well,"

Qin Yu tilted his head and thought for a while, then suddenly smiled, "Hey, don't tell me, it really looks alike!"

After a pause, he smiled again, "Of course, we won't be as troublesome as the state-owned enterprise restructuring back then, and we don't have so many triangular debts to deal with.

The problem now is very simple. Recruit talents from the whole society. If you do well, everyone will be happy.

It's that simple! "

Looking at the understated Qin Yu, Liu Xiufen's eyes were extremely complicated,

Is it easy?

According to what Qin Yu said, recruiting people for probation, giving money to shares if they are qualified, and replacing them if they are not qualified, is indeed quite simple.

But that's not how it works out!

If it were really that simple, the corporate restructuring back then would not have caused a lot of uproar, and even she herself would not have left a big state-owned bank in the system to a newly established private bank.

Very simple reason,

What if the hired person makes the company lose money? What if the assets of the enterprise are wasted or even lost? What should we do if there is collusion between inside and outside?

These are issues that actually happened back then.

Yes, Chuangfulai has a special legal and financial system, and there are special personnel to supervise it, so as to reduce the occurrence of such situations as much as possible.

However, this is an asset worth tens of billions,

Just handing over tens of billions of assets to an outsider to manage, I have to say, this requires a lot of courage!

However, even Liu Xiufen herself admits that the feasibility of their operation plan is very high~www.readwn.com~ First, there are examples of state-owned enterprises reborn from the ashes, which prove the role of stock incentives,

On the other hand, Chuangfu's comprehensive service and supervision system can prevent the occurrence of asset loss to the greatest extent.

And the biggest obstacle to this approach, that is, the courage of the boss, the other party also showed it,

So there is nothing else to say,

Liu Xiufen took a deep breath, and said to Qin Yu seriously,

"President Qin, frankly speaking, Rainbow Bank and the blueprint you drew are very attractive to me, but this is not a trivial matter after all. I need to think it over carefully before I can formally answer you."

Qin Yu smiled, nodded and said, "Understood."

After a pause, she threw another heavyweight chip,

"If President Liu is not willing to part with Min'an Bank, there is no need to worry about this, because as long as you agree to come, the director position assigned by Rainbow Group to Min'an Bank is yours!"