"Mr. Zhou!"

"Mr. Zhou?"

“Mr. Zhou…”

The speaker who suddenly appeared was Zhou Shuo. Not everyone had the courage to face Ma Boyan head-on. If Zhou Shuo didn't come forward, Zhou Xinxin would probably be the only one in the Xiucheng Mall.

But for the scheming Zhou Xinxin, how could he easily prosecute an executive vice mayor when the situation is not obvious?

In this top circle of the embroidery city business circle, some people are surprised, some are confused, and some are thinking. But it is undeniable that Zhou Shuo's appearance here means that the Fanhan Group has officially taken the banner of confronting Ma Boyan.

Since ancient times, there has been a tradition of people not fighting with officials. It is really shocking to do such a thing by a businessman.

Ma Boyan sneered: "Private capital is profit-oriented. Isn't it irresponsible to the people and business environment of Xiongcheng? As long as I am in any day, I will never allow greedy capitalists to reach into the pockets of the people!"

"Mayor Ma said that private capital is profitable, so I want to ask--" Zhou Shuo looked at Ma Boyan with a serious expression and asked: "How should we explain the insatiable greed for the Xiucheng Credit Union of the Municipal Government and the municipal engineering and state-owned enterprises before?"

The insolvency of the credit union of Xiongcheng City Credit Union has long been well known. In the past few years, many municipal projects in the municipal government have been directly allocated by credit unions. If state-owned enterprises cannot pay wages, they will also directly borrow from credit unions.

As the saying goes, Jinqiao Yinlucao Construction, Sunshine Real Estate's success is inseparable from the support of several major municipal construction projects. However, the economic situation of Xiucheng City Government was not optimistic in the past few years and had to pay for infrastructure construction. However, a large part of the loans from the municipal credit union were obtained.

Nowadays, the biggest problem with the work of Xicheng City Credit Union to the market is the bad debts and bad debts caused by these governments. The total number of holes in the billions is the biggest obstacle to reform.

Although Xiucheng's economy has developed rapidly in the past two years, there are also more places to spend money. The city's credit cooperatives are of course important to convert city commercial banks. But there may not be anything more important than it. Moreover, if the government's finances are used to block the holes in the credit cooperatives, this budget is not only unnamed, but also unable to make accounts.

You should know that if the municipal finance really wants to use this money, someone must first explain the whereabouts of the money. Then, should we hold the wrong decisions and deal with the responsible person? Should we review the subsequent funds, or simply resolutely recover these bad debts? How much pressure does this put on the already precarious state-owned enterprise finance?

These factors are put together, and the city’s bottom line for the reform of the city’s credit cooperative is that it must never invest money. It is precisely because of this that the introduction of private capital is put on the agenda. However, Ma Boyan’s opinion is to disregard these accounts and directly erase them with administrative power.

Jiang Daqiao and He Xi's opinion is to introduce private capital to balance these accounts. If administrative forces are used to interfere with economic behavior, it will be a huge blow to the credibility of the municipal commercial banks. Today, administrative forces can be used to eliminate arrears, will the municipal government treat the municipal commercial banks as an inexhaustible ATM tomorrow?

Although Jiang Daqiao is about to leave office, what he said has touched many people. The government must always be respectful of economic laws, otherwise the market will return to the planned economy era.

Ma Boyan was a little embarrassed by Zhou Shuo's remarks. He not only knew the bad debts of the city credit union, but also made many of them. Now Zhou Shuo has made it publicly, and it is easy to cultivate without being angry.

"First of all, whether it is municipal engineering or state-owned enterprises, these are all national industries, and they can be regarded as taking from the people and using them for the people!"

"Of course, the country no longer advocates this model, so the reform of credit union to banking has been achieved. It is precisely because the government has seen the shortcomings of the credit union system and actively carried out reforms." Ma Boyan said in a divine manner: "As long as a modern banking system is built, the previous irregular problems can certainly be eliminated. In this regard, Niece Zhou is a professional who has returned from the UK. I believe that the understanding must be more profound, right?"

Ma Boyan glanced at Zhou Jiajia with the corner of his eyes. He laughed, obviously he had thought about this issue for a long time and seemed to be sure to win.

"Yes, the modern banking system is very rigorous." Zhou Jiajia nodded and said in agreement: "The banking industry has its own standards for the choice of loan objects. If you can develop your business in accordance with this principle, you can indeed greatly avoid the problem of bad debts and bad debts."

Banks have a complete calculation method for the reliability of loan objects. It can be said that a mature commercial banking system is based on the cautious use of loans. Bank loans have been criticized for sending umbrellas on sunny days and collecting umbrellas on rainy days, which is also a manifestation of seeking profit and avoiding harm to risks. The banking industry's control of risks is definitely stricter than any other industry.

"Mr. Zhou, look, there is a long way to go in the construction of the system." Ma Boyan sighed: "As long as the credit union is transformed into a commercial bank system, what you are talking about is not a problem at all."

"No, it's useless to just reform the system."

Before Ma Boyan could finish his statement, Zhou Jiajia overturned his conclusion: "There are many cases of bankruptcy in foreign banks, and the system is always implemented by people. The government can regulate the economic operation through the role of its central bank, but no country completely excludes private capital in the operation of the business."

After she finished speaking, all the businessmen present couldn't help but nodded. If someone in a company is responsible for charging, one must be responsible for the brakes. This is well-known in business. No matter how well the rules are formulated, a mature organization needs to be implemented. Whether a company succeeds or not often depends on the strength of the rules and regulations.

Who can believe that the original team of the Municipal Credit Union changed their names and copied a set of rules, so they became reliable and unique?

Ma Boyan frowned deeply, turned to look at Zhou Jiajia and said with a heartbroken voice: "Niece Zhou, your thoughts are very dangerous! You must know that China has China's national conditions, how can we simply use foreign experience to trap it?"

He waved his hand generously and pointed at Fang Qiu and said, "China's bank will not go bankrupt!"

Zhou Jiajia shook her head gently and said in a low voice: "Where is a bank that will not go bankrupt?"

"Haha, there are really banks that will not go bankrupt." Zhou Shuo took over the topic and sneered with a sneer: "The reputation of the municipal trading bank is provided by the government. If there is really a risk of bankruptcy, it will be saved by the municipal government's finance."

"Then your private capital is Lei Feng?" Ma Boyan snorted coldly: "After all, do you want to get a loan from a newly established municipal trading company? If you change to Fanhan Group to build this dealer, can you perfectly implement the system?"

Ma Boyan uses his own valuation, and the banking industry is undoubtedly a huge profit. If private capital invests in stock market trading banks, if they occupy the dominant equity, wouldn’t it be like themselves to lose depositors to make up their own wallets? It would be correct if this is the case. Capital has a profit instinct and no one will willingly invest in a business without profit. But if this bank is part of a consortium, it will no longer regard its own profit as its top priority.

The development of the consortium is the mission of this bank.

"Our Fanhan Group can really do it!" Zhou Shuo said with a serious expression: "To be honest, how big can the market market's market bank be? 700 million yuan or 800 million yuan, this is probably the limit of funds that can be used at present, right? If Fanhan Group wants to make a loan, it really doesn't look down on this little money."

"I know that Mr. Zhou's Fanhan Group is rich and powerful, but other shareholders may not think so?" Ma Boyan said confidently: "Let private capital use its shareholder identity to obtain loans is a more dangerous behavior than a government guaranteed loan."

Zhou Shuo pursed his lips and looked around. This circle around Zhou Xinxin gathered most of the successful businessmen who could count in the embroidery city. No matter how heroic the Fanhan Group is, it still needs "three helpers".

Trying to win over the Allied Army in the Xiucheng business community was his established mission today.

"Dear business seniors, I, Zhou Shuo, are still a junior based on age. But today I would like to say that we are bound to win the position of shareholders of this market business!"

He slowly swept his eyes over the faces of everyone present and said in a deep voice: "For this reason, our Fanhan Group can guarantee that the municipal trading bank will never borrow a penny after its establishment!"

As soon as Zhou Shuo said this, everyone present was moved. The economic influence of Xiucheng Commercial Bank on Xiucheng is undoubtedly. Local companies like them must be the first choice for loans from municipal commercial banks. If the financing channels of municipal commercial banks are unstable, the interests of these merchants will definitely be the first to be damaged.

As Ma Boyan said before, although it is unreliable for the city government to continue to master urban commercial banks, it is at least a less bad choice. The government is still shameless in the future. If the private company controls the city commercial banks, how can it be restrained from becoming a cash machine for some people? This problem is almost the biggest obstacle to private capital entering urban commercial banks.

And this biggest problem was so easily resolved by Zhou Shuo! Under normal circumstances, commercial banks should not provide credit loans to shareholders, and the conditions for mortgage loans must not be superior to others. However, the domestic government has mastered the company for so many years, but it has become the norm for shareholders to obtain credit loans from credit unions.

Zhou Shuo's words can be said to be a dreamer. Yes, no desire is a tough person. Shareholders do not take out loans from the bank. Who can worry that private shareholders will get enough money?
Chapter completed!