Chapter 417

Li Yihua didn't sleep well all night. He tossed and turned until the light was slightly bright. When he slept, he felt that his eyelids were somewhat swollen. The curtains had been opened and the glare of the sun shone directly into his eyes. He touched his watch from under the pillow and saw that it was past eight o'clock. Li Yihua put on his clothes and trousers. It's quiet outside. His son and daughter have gone to school. They won't be so quiet. He pushed open the bedroom door and looked at his wife sitting on the old cloth sofa in the narrow living room knitting woolen clothes. He complained, "what time is it now? Why don't you wake me up? They're already late."

"Is anyone in charge of your lateness?" Li Yihua's wife looked back and asked, "you tossed and turned in bed yesterday. Do you want a fox spirit?"

"Which fox has a charming wife?" Li Yihua said duplicity, thinking that what Zhang Ke said in the business hall yesterday was very straightforward. Such a person in the counter listened and didn't know whether it had reached Zhao Shi's ears. Li Yihua was a little uneasy. He saw that the kitchen was preparing porridge for breakfast. It hadn't cooled down in the electric rice nest. Li Yihua didn't have the patience to wait for the hot porridge to cool. He pushed the car out of his yard. In the house, he chose the middle set on the ground floor. When his son and daughter were old, he built another one in the yard. A family of four was barely enough, but such a house only had a small restaurant and no living room. The light of the house on the ground floor was dark. It was sunny outside, and it was just like dusk at home.

Li Yihua stayed in his office all morning and wanted to call Tang Xueqian's Secretary Xu Rui. Yesterday, Zhang Ke gave them Xu Rui's contact information. Only yesterday, Su Chaodong said that Zhang Ke was just a senior three student. Although he was Zhang Zhixing's son, he didn't take it seriously and threw Xu Ruiping's business card into the dustbin, However, he remembers the mobile phone number on the business card. He will not forget it in three or four days.

Li Yihua felt that he was staring at those sharp and deep eyes all morning, so he hesitated for a morning and didn't call until Su Chaodong asked him to go to the canteen for lunch. He said, "you go first, I have something else on hand..." looking at the others in the office who had left, he picked up the phone

Shut down! How can Xu Ruiping's mobile phone be turned off at this time, or is there a deviation in his confident memory?

Although the landline operated by the municipal government can be found, it's better to contact him by mobile phone first. He ran to the corridor outside the clearing section on the third floor. The garbage can that no one cleaned up for a few days was cleaned up today.

Tang Xueqian's office is very simple. Except for the bookshelf on the ceiling, there are only two pots of Asparagus in the corner.

Watching Geng Jianzhong send information in, Zhang Ke sits leisurely opposite Tang Xueqian. Xu Ruiping is quite capable of standing up and helping Geng Jianzhong pick up the information.

Tang Xueqian didn't have much favor with the people in the municipal government office. It was quite tolerant not to clear these people out of the municipal government office. This time, he transferred Geng Jianzhong from the Bureau of education to him as secretary general. From the director of the Bureau of education to the Secretary General of the municipal government, the document shows that it is a horizontal transfer, but it is a solid step forward for those who want to run their official career.

"Xiao Xu, your mobile phone hasn't been turned on?" Geng Jianzhong asked Xu Ruiping.

"Oh," Tang Xueqian raised his head, "I asked him to turn off his cell phone."

Geng Jianzhong just asked casually. Although he is the leader of Xu Ruiping, Tang Xueqian personally selected Xu Ruiping into the municipal government. Can he still raise eyebrows at a small mistake in Xu Ruiping's work? After listening to Tang Xueqian's words, I thought there might be some other reason. Xu Ruiping told the following people after lunch in Tang Xueqian's office. Several deputy secretaries general couldn't find anyone else. Geng Jianzhong didn't ask much. When Tang Xueqian signed the document, he went out.

Tang Xueqian looked at his watch and said, "the time you said is coming. Will this Li Yihua come?"

"Who knows? It's just a small obstacle. It looks like playing a prank with him," Zhang Ke shrugged, "The Credit Union has many problems. We should take the credit union as the foundation to establish a city commercial bank. We should make the credit union truly reborn, rather than superficial change from the company form to a small commercial bank. There are many obstacles to overcome, and the management work is not competent for ordinary people."

Tang Xueqian gently sighed and shook his head. The problem of the credit union is really serious. There are 12 urban credit cooperatives in Haizhou City, with a total asset of only 1.2 billion, a loan scale of less than 500 million, a non-performing loan ratio of 42%, and a total of more than 800 employees. According to the standard of staffing of commercial banks, the number of employees is nearly double. Some credit cooperatives are contracted by individuals, just like their own small gold inventory Some credit cooperatives are nearly bankrupt, and their data and files are incomplete. Because urban credit cooperatives have always been a financing tool that can be directly mastered by the local government, and the personnel arrangements of credit cooperatives are also directly led by the local government, it can be said that credit unions are deeply intertwined with the local government. It is by no means an easy job to solve the problem of overstaffing. It is necessary for urban commercial banks to be in such a bad stall The son of Nirvana and rebirth is really not competent for ordinary people.

The quartz clock hanging on the wall ticked and walked. The agreed time had passed. Xu Ruiping also wanted to say that Zhang Ke overestimated the resilience of Li Yihua. Geng Jianzhong knocked on the door and said, "Mayor Tang, a man named Li Yihua from the China credit union came and said that you asked him to meet at this point. I saw the arrangement this afternoon. It seems that there is no such thing..."

Tang Xueqian smiled and asked, "is he still outside? Maybe there's something wrong. Xiao Xu, go and ask him to come in."

Geng Jianzhong's words were brief and to the point, but I could hear that Li Yihua came and let him block it. It should be Li Yihua's insistence that he came to ask.

Li Yihua's guilty palms sweated in the reception room. The Secretary General in charge of Tang Xueqian's schedule said he didn't see the arrangement. He also insisted that Geng Jianzhong ask. It was like stepping out of a cliff.

When Xu Ruiping came in, he didn't recognize Xu Ruiping. He just stood up with a low body. He just thought Geng Jianzhong was impatient to see him and asked someone to drive him away.

"I'm Xu Ruiping. Mayor Tang is waiting for you in his office."

Li Yihua reached out and shook hands. His knees hit the corners of the glass. A noise frightened him. He saw that the paper cup containing half a cup of purified water turned around the glass and finally didn't fall down. He was relieved. Xu Ruiping walked out of the reception room to Tang Xueqian's office. After such a short journey, he tried to calm himself down, How many such opportunities can you have in life!

Seeing that Li Yihua was overwhelmed by great psychological pressure in the reception room and went to the mayor's office, Xu Ruiping thought that this calm time was good.

When Zhang Ke saw Li Yihua and Xu Ruiping coming in, he stood up and said with a smile: "yesterday, deputy director Li explained in detail some of the disadvantages existing in the letter cooperative association. I almost relayed them to Uncle Tang... Today, do you want to hear what good solutions deputy director Li has?" the last sentence turned around and asked Tang Xueqian.

Tang Xueqian stood up, pointed to a chair beside Zhang Ke and asked Li Yihua to sit down; Xu Ruiping went to help Li Yihua make a cup of tea and came in.

The tangle of all problems lies in the "government holding right". According to the national regulations, when setting up urban commercial banks, the local government can invest the financial budget funds, but the shareholding shall not exceed 30%. However, the usual local practice is to pull the local state-owned enterprises to take shares, plus the direct shareholding of the local finance to realize the holding in disguised form.

Li Yihua naturally can't get involved in these fundamental problems, which involves the game between shareholders and the city. Jinhu, Haiyu and Shengxin promise that their enterprises will not finance from urban commercial banks and provide certain deposit support for the development of urban commercial banks. They also limit the proportion of funds directly allocated by the city from urban commercial banks for municipal engineering construction, ensure that the established urban commercial banks focus on supporting the development of high-quality Haizhou private enterprises, and restrict the city's direct intervention in the management personnel transfer of urban commercial banks, Tang Xueqian supports such conditions as ensuring that the board of directors and the board of supervisors do not exist in vain, and ensuring the veto power of board members on credit review, as well as the withdrawal mechanism of participating shareholders. However, these agreements should not only be deliberated and approved by the Municipal Standing Committee meeting, but also be submitted to the provincial government and the provincial Banking Regulatory Commission for deliberation.

Zhang Ke and his colleagues want to hear from Li Yihua whether there is an effective and rapid solution to the current chaotic management of urban credit cooperatives. The so-called rapidity is to cut the mess quickly. For example, nearly half of the redundant staff are dismissed, for example, to reverse the current situation of low public service awareness of credit cooperatives. These are great resistance and need managers to have the courage to solve them But we can't let the following noisy problems.

Li Yihua is a smart man. Tang Xueqian doesn't find himself according to the routine. He absolutely doesn't want to see a golden mean idea to solve the current dilemma of credit cooperatives. He arranged his thoughts a little and talked freely: "... the implementation of the personnel reduction and performance appraisal system is the two urgent reform paths for the credit union at present. The reduction of personnel can be divided into three steps: staffing, elimination and layoff. At present, the mortgage business of the credit union can be stripped off to the Municipal Public Security Bureau. This alone can reduce nearly 100 people, and the employees who are too old to adapt to the business development can be completely bought out according to their length of service , and then implement the last elimination system, which can not only further reduce the on-the-job personnel, but also improve the employees' business level and service awareness... "

Zhang Ke listened to Li Yihua, smiled at Tang Xueqian and said, "these treatment methods are really disharmonious. I have seen the staffing of the credit union, and the overstaffing of cadres is more serious. I see that there will be more people who often visit the municipal government in the future..." it seems that there was no saying of "building a harmonious society" in 1996.

The idle people who can be assigned to the cadre establishment of the credit union are more difficult to deal with than ordinary state-owned enterprise workers, and some people may have strong social activity ability. These people often do not achieve enough and fail. If they are not cleaned up, it is difficult to have a new management and rectification; to clean them out, their ability to make trouble is a headache, which depends largely on the situation in the city Support.

Tang Xueqian smiled and said, "we should bear the pain."

Li Yihua was relieved and continued: "... while streamlining personnel, the performance appraisal system is gradually popularized. The industrial customer manager system resolves the interest margin between deposit and loan into simulated profits. The customer manager can deduct a proportional commission to connect the income of the customer manager with the deposit; the salary income of the counter staff is also divided into three parts: basic salary, deposit and business volume. If the counter staff takes the initiative For deposits, refer to the Commission of the account manager; for branch directors, their income must be linked to the profits of the branch to widen the income gap between the branches, even if the annual income gap is dozens of times, there is no problem; the income of the management personnel of the associated press and the employees of the associated press department should also be linked to the profits of the whole society, and the income should be calculated according to the post value and the completion of the profits of the whole society. In addition, We have also reformed and optimized the bank's internal control and organizational structure, and implemented centralized and vertical management of major businesses such as accounting, audit and cash, especially credit review management... "

Zhang Ke folded his palms and put them on his chest. While listening to Li Yihua talking, he thought. After Li Yihua finished speaking for a while, he moved his body and didn't speak.

Tang Xueqian came over, shook hands with Li Yihua and said, "your words are very useful to us. Thank you for coming here this afternoon." Xu Ruiping asked Li Yihua to go out.

Watching Li Yihua go out, Tang Xueqian touched his forehead and said with a smile, "if you want to cut off the inertia developed by the Credit Union for decades, don't say those who are downsized, those on-the-job employees will jump up. Even if the annual income gap is dozens of times, there is no problem. He is no problem. I have a big head here."

Zhang Ke licked his lips and implemented it according to Li Yihua's performance appraisal system. In the same system, the income gap of the same position may be very large. It's easier to say ten years later. It will still have a great impact in 1996. He smiled and said, "Uncle Tang, I've found someone for you. Whether to use it or not is up to the city..."

"Do you have such a nice talk? I think it's not easy to absorb him into the preparatory committee first. Everyone wants to stuff private goods into Jincheng. Zhou fuming also submitted a letter of intent to visit Jincheng. Since Sheng Xin has participated in shares, there's no reason not to accept Jincheng."

"There's no problem. Jincheng can accept the promises made by Jinhu, Haiyu and Shengxin." Zhang Ke's mouth curled, indifferent attitude.

In 1995, the state urged all localities to establish urban commercial banks on the basis of urban credit cooperatives, allowing private capital to participate in shares, but there were strict restrictions on shareholders' loans from urban commercial banks (this restriction was not well implemented), and Jinhu, Haiyu and Shengxin all made commitments that their enterprises would not borrow from urban commercial banks. Zhang Ke wants to take the city commercial bank as an important tool for developing and condensing the private capital forces of Haizhou, and does not take the city commercial bank as a direct financing tool (the scale of the city commercial bank at this time is not enough to provide enough financing for the development of enterprises under Jinhu). Zhang Ke wants Zhao Jinrong to participate in the city commercial bank. On the one hand, the investment banking industry has a high profit, "Yes, I'm watching. I'm enjoying super special treatment this time. This article will set off some waves." Tang Xueqian asked, "are you discussing this?"

Ye Zhenmin is one of the important policy makers in China's trade with East Asian countries. He suddenly throws out a view contrary to the mainstream trend of thought. Even if it is published on the internal reference, it is bound to cause some waves. After the discussion in the Ye family's old house, ye Zhenmin soon wrote an article and passed the manuscript to Zhang Ke for reading first. Zhang Ke will naturally stop pointing fingers and telling what to say and transfer the manuscript to him Tang Xueqian looked and reminded Ye Zhenmin to remember to pass a copy to Tao Jin.

"We are not optimistic about the economic situation of East Asian countries in the next few years," Zhang Ke said. "However, the economic turmoil of East Asian countries is a good opportunity for China."

"What do you say?" Tang Xueqian just read the article and didn't see it through.

"The financial turmoil caused by the defects of the financial system of Southeast Asian countries can easily affect the manufacturing industry. If industrial capital has the ability of foresight, it should gradually withdraw from these countries and regions in order to be safe; these countries and regions are aware of the financial risks, and the correct way is to take measures to expel speculative capital, which will inevitably increase The survival pressure of industrial capital in these countries and regions, and the outflow of industrial capital from these countries and regions is also inevitable; if handled improperly and a financial crisis occurs, it will accelerate the escape of industrial capital, and the large domestic market with a population of 1.2 billion is undoubtedly an excellent refuge for industrial capital. From the international environment, I think the next few years should be a domestic development strategy It is a good time for businessmen to attract investment and develop manufacturing industry. Over the past 30 years, with the rise of Hong Kong, Chinese businessmen in Southeast Asia have naturally formed a circle of Chinese businessmen centered on Hong Kong. After more than 10 years of reform and opening up, Chinese capital has spread to the mainland. Tomorrow, Hong Kong will return to China, the market development of 1.2 billion people in the mainland, and the economic instability in Southeast Asia will catalyze this In the process of diffusion, I think Haizhou can make more active preparations to run the city commercial firm in advance, which is just one of them... "

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