Chapter 4646

"No ban? Can you afford the collapse of the four major industries? " Mr. A is pressing on step by step.

Now he has no choice but to use the importance of the four major industries to force the two gentlemen. The four major banks are also a tool for the state to control the economic trend. If China has the final say, China can only count on the newly established "China Lianshang bank". However, the "China Unicom" bank has the final say. Lin Feng has the 15% share in the current stock structure, plus 8% of the second banks, and Lin Feng has 23% shares, though he does not have the actual controlling power. However, among the other 27 banks, the largest bank holds only 6% of the shares, and even less than 1%. In this case, it is almost easy for Lin Feng to achieve his intention.

In this case, if there is a decree on it, what will Lin Feng do if he doesn't comply? When "China United Commercial Bank" stands firm and becomes the largest bank in China, it will be very difficult for you to deal with it.

Therefore, Mr. a threatened the two gentlemen with this. See if they compromise.

But without thinking about it, the two gentlemen made a decision after a little meditation.

"This is the era of market price economy, everything needs competition. Policy protection alone cannot promote economic development. The banking industry, in particular, needs to break this monopoly. If the four major banks are still being cleaned up by the market when they have all the advantages, it is also their own poor management. " Mr. Xi said in a deep voice.

what! Mr. a didn't expect the two gentlemen to answer like this. It was a great surprise to him. He did not expect that the two gentlemen were willing to support Lin Feng at the risk of losing the four major businesses. This is something he never thought of.

"Why?" Mr. a frowned and asked.

"This is the natural law of social development. Thousands of years of history has proved that closure is backward, and only when we move towards a free economy can we really take off. In western countries, the economy is so developed because of the free economy. China's economic take-off in the past 20 years also relies on Comrade Xiaoping's reform and opening-up. Without reform and opening-up, there would be no new China today. Perhaps there are many problems like this and that, but the shortcomings do not hide the good. All the disadvantages brought about by the reform and opening up can be changed. But what we see is that Chinese people are able to eat well and wear warm clothes. At least as in the past, once a natural disaster occurs, there will be no more starvation in large areas. Moreover, the telephone, television, refrigerator, car also gradually into the door of thousands of households. The progress of the times depends on the free economy. If it is closed again, it is retrogression. It's about rejecting the achievements of the past 20 years! " Mr. Xi said in a deep voice.

Mr. a snorted.

"Well, I won't argue with you. Since you think this "China United Commercial Bank" is good, let's wait and see. You'd better hope that he doesn't make big mistakes in recent years! " Mr. a walked away.

Mr. Xi smiles.

"Are you so optimistic about Lin Feng?"

"Well, I'm sure I'm not mistaken. He is different from those who get rich by relying on policies. He will not exploit the loopholes of national laws and policies, and he is patriotic enough. I think, at least in terms of patriotism, he is not weaker than us. Although his views in some areas are quite different from ours, he really loves this country. " Mr. Xi sighed, "in that case, why don't I support him! As for whether his family will not be able to survive in the future, I think that's what we have to work together for the past 20 years. "

"What about the big four? Do you really decide to give up

"Give up? can't. In fact, the big four have a lot of congenital advantages. " Mr. Xi sighed.

The four major banks are industrial bank, agricultural bank, China Construction Bank and China Construction Bank. Also known as the four major banks of the central government, it represents the strongest financial capital force in China. The four major state-owned banks have gone through the stage of specialized bank division from the beginning of the founding of the people's Republic of China to the new century, they have basically become comprehensive large-scale listed banks, and they are all among the world's top 500 enterprises; Nowadays, the business scope of the four banks is no longer single, and they are moving towards the goal of comprehensive, international and modern commercial banks.

ICBC, with the largest customer group in China, plays a leading role in commercial housing loans and enterprise financing.

Agricultural Bank of China, as its name implies, mainly covers urban and rural areas. Its main business is rural credit, and now it has developed into diversification.

Bank of China, on the other hand, mainly focuses on personal credit consumption, providing perfect customized customer service.

CCB, on the other hand, is mainly a company, providing various credit businesses.

Of course, the businesses of these four major banks are not as detailed as they used to be, and they have been assimilated in many fields. This, of course, is also the result of today's competition.

"If the big four banks have so many inherent advantages and can't fight against Lin Feng's" China United Commercial Bank ", they have to blame themselves. We can't do it. When you do it, you are behind. Besides, I also believe that they will not break down! Can only say, no longer like now at will, those easy to make money Mr. Xi commented.

Nowadays, the four major businesses lie down to make money. But in the future, I'm afraid they will have to rack their brains to make money. In this case, he would like to see it. No pressure to make money, it's not a bank. He also hopes that Lin Feng can put enough pressure on these banks to bring real competition, instead of all the competition like now, which is just a family dividing up. In fact, there is no competition. It's like a cake, which should be divided by many people. As a result, a family of four sons competed with others. The others were all one man. They were all driven away because they couldn't win the family of four sons. After running away, the family will divide the cake again. Is this competition? At least it's not real market competition.

Lin Feng is the man who broke the situation of four sons dominating the cake. Although he has only one person, he is strong enough, far stronger than his four sons, and he will unite with others. That's great.

The wave of "China United Commercial Bank" is still raging. There are more and more customers. In almost three days, all the original customers have changed their cards. And the most warm thing is that the staff also take the initiative to provide door-to-door service for the elderly with mobility difficulties. This service is far more intimate than the previous service of the bank. China is gradually entering an aging society. Many old people are at home, which is extremely inconvenient. Often withdraw money, is to let relatives and friends to withdraw money, but sometimes for business such as card, you must come in person. Otherwise the bank won't recognize it.

This brings trouble to those old people. In particular, some old people have suffered a stroke and hemiplegia. If you want a salary card, you have to push it to the bank. It's not convenient for the old people to push it. Isn't it a pitfall. Especially if there is no bank nearby, it will be more inconvenient. And most of all, I have to sign. This is a hemiplegia. I don't know how to use my arm. You have to ask him to sign it. Isn't that a pit father. But the bank said it had to sign for security reasons.

No way, just sign it. Although the signature is in a mess, the bank just recognizes it.

In this case, the door-to-door service provided by China United Commercial Bank is much more cordial. It makes all the old people feel warm“ The slogan of "banking services to my home" can be said to be really implemented. It is not the same as before. If a mobile banking is launched, it will serve my home.

And not only that, for all customers, as long as they enter the bank, they will provide all kinds of convenience. For example, on rainy days, banks also welcome people who do not have umbrellas to take shelter from the rain and provide convenience for them. In cold and cool summer days, there will also be a small isolated place in the 24-hour ATM. The air conditioner will be turned on for the homeless to get warm and cool.

These are small measures, but they are popular and make all customers feel comfortable. Of course, the most important thing is the income.

10%, which is Lin Feng's promise. It is also the commitment of China United Commercial Bank. But it's the same. You have to save it for one year to get 10% of the guaranteed income. But what if the customer needs money badly? It's natural for other banks to withdraw, but after withdrawing, all your previous interest will be cleared. That's to say, not a cent. All the interest is paid to the bank.

But in China United Commercial Bank, if you want to take it, you can take it out. It can be withdrawn at any time and will give you income according to your deposit date. For example, if you deposit for five months, you will be given five months' minimum income. However, as you withdraw in advance, you will have to deduct 5% of the handling charge.

This point, although it is said to charge 5% of the handling charge, but at least give you a guaranteed income. This is something that no other bank can have. Therefore, the people are very supportive of China United Commercial Bank and criticize the overlord clause that other banks withdraw money without interest on a regular basis.

"Mr. Lin, looking at this situation, it won't be long before we know that China United Commercial Bank will become the largest bank in China, and the four big banks can't compete with us at all!" Now, the CEOs of all banks are members of the board of directors of China United Commercial Bank. They are all happy with the current situation of the bank. Although we have to make more money than before, we haven't seen it yet. But it's much more important than before.

Lin Feng is dignified.

"They still have a way!" Lin Fengning said again, "there are still big moves to be done! That's the moment of our life and death! "

(there may only be one today. If a relative died in the new year, he has to go to the funeral home. It depends. If he comes back, there will be one at night! It's too late to come back. We'll supply you tomorrow. Wish you a happy New Yea