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I had a meal with Liu Qing and talked a lot. Although I didn't say that I understood all the thoughts of the regulatory authorities, I still knew a lot of things.

Sure enough, the regulatory authorities are still very vigilant about the entry of foreign-funded banks into the country. In fact, this is normal. Now it seems that foreign capital is in a state of acceptance and tolerance, but in fact they are very vigilant.

Some industries of the general public are liberalized, such as the normal light industry, and even industries such as automobiles, but there is no way to do this, and we need to rely on other people's technology.

Let’s talk about the automobile industry. Since 1978, we have been thinking about the entry of foreign capital and wanting to borrow other people’s technology. Although we may not be able to win the final game, we always have the mentality of winning from the beginning.

There is also the home appliance industry. Although it can be said to represent high technology to a certain extent, the technology of this home appliance industry is limited.

For example, televisions, refrigerators, air conditioners, computers, telephones, etc. Although these industries are considered high-tech industries.

But you say how high-tech a TV can be, and it can be made in China.

Whatever happens in the future, the country itself can take the lead at any time, but can learn some techniques along with it.

There are considerations for this. As for the computer and Internet, in fact, everyone didn’t know that it was really so important at the beginning. The restrictions on this industry were lifted, otherwise, foreign capital would not necessarily be allowed to come in.

But the liberalization of these industries does not mean that all industries are liberalized, some important enterprises, such as oil and steel. Coal and the like are basically controlled by state-owned enterprises, and even if they are liberalized, only a small part is still targeted at private enterprises.

Industries such as financial banks are even more cautious, because if you are not careful, it will cause losses to the domestic economy.

For example, foreign banks come in now, but if one day something happens in the country where the foreign bank is located, such as a war, or a financial crisis, etc.

Then foreign-funded banks will definitely shrink their domestic business, which will have a great impact on domestic economic development.

Therefore, the country has always been very vigilant about the entry of foreign banks.

Jiang Xiaobai remembered that in his last life, foreign banks entered the country on a large scale, and that was after 2006.

Even after 2006, it does not mean that the country is willing to allow foreign banks to come in on a large scale.

But at the end of this year, China will join the WTO. After joining the WTO, the market will be liberalized. There is a five-year protection period for the banking and financial industry. In 2006, the five-year protection period is over. Foreign banks are not allowed to enter.

So in 2006, a group of foreign-funded banks entered the domestic market on a large scale and were able to operate RMB business. However, there were many restrictions, which led to the unsatisfactory operation of foreign-funded banks in China.

Of course, this is all for later. Jiang Xiaobai mainly wants to rely on his own identity. Although Huahua Bank is said to be a foreign capital, the equity is in his own hands. It is fine to say it is a foreign capital, but it is not a private enterprise. questionable.

I want to rely on this condition to allow Huahua Bank to enter the country in advance and operate RMB business, one step ahead of foreign banks.

Let Huahua Bank have some competitiveness in the country.

But now it seems that the situation is not very good. The attitude of the supervision department is very vigilant. Of course, Jiang Xiaobai is not discouraged. It's up to the top to make the decision.

Instead of the supervision department, let's talk about it tomorrow when we talk with the supervision department.

On the morning of the second day after Jiang Xiaobai arrived in the capital, after breakfast, Jiang Xiaobai took Mr. Huang and several senior executives of Huahua Bank to the supervision department.

Unlike the chat with Liu Qing at dinner last night, this time it is considered a formal contact.

Mr. Huang submitted the information of the Flower Bank. Although the Flower Bank is opened in Moscow, its registered place is in the archipelago. The information of the Flower Bank is kept confidential.

This is also the first time Huahua Bank has disclosed its company information. Looking at the information handed over by Mr. Huang, the people from the regulatory department are ready to open it.

However, there is a confidential contract that follows. The registered capital, operating conditions, legal person, shareholders, and shareholding ratio of Huahua Bank are all commercial secrets.

Although it is said that this is the regulatory department, it cannot be said that it will be kept strictly confidential after they have read it, so a confidential contract must be signed. No matter whether it can be negotiated or not, the information of Huahua Bank must be guaranteed not to be leaked.

The people in the regulatory department were not surprised when they looked at the confidentiality contract. They have dealt with foreign banks for a long time and know the concerns of these companies.

After signing the confidentiality contract, a group of people opened the information of Huahua Bank, but they were stunned when they saw the content on the first page.

At the beginning, it was the legal person information and shareholders of Huahua Bank. Normally, this part should have several pages.

What percentage of shares does this company hold, and what percentage of shares does that shareholder hold? After all, this is a bank.

His shareholding structure is normally very, very complicated. Who is behind the companies holding shares, or those companies are holding shares? Many don't know how many times it has changed.

The shares are spread out very thinly, not to mention a bank, even a listed company is stipulated in the market, after acquiring more than 5% of the shares, it is required to raise a placard to inform.

Because the shares of many listed companies are very scattered, sometimes holding 5% of the shares may be the company's major shareholder.

It is said that a company has more than 51% of the shares to be able to control it absolutely, but the reality is often not the case at all. A few percent of the shares are the major shareholders, and a few percent of the shares are proper. The giants of the company.

This is true for a listed company, not to mention a bank. The equity structure must be more complicated, and the distribution of equity must be thinner. Therefore, there are several pages or even more information on the equity structure and shareholding ratio. It is more than ten pages, which is a normal thing.

But they didn't expect that the information on Huahua Bank's shareholding structure and the proportion of shareholders holding shares turned out to be a thin piece of paper.