Rebirth Starts From 2006

It is true that Min'an Bank is not as rich as Caihong Group, but that does not mean that Min'an Bank does not have as much money as Caihong Group.

Because they have savings!

Except for part of the money that depositors have in the bank, which is used to hand over to the central bank as withdrawal reserves, they can use the rest on a rolling basis.

For example, 10 million, as long as the borrower does not transfer the money out, it can be used indefinitely in the bank to achieve the effect of 1 billion.

Min'an Bank's total assets have just exceeded the trillion mark this year. This 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 external loans, its economic influence far exceeds that of Rainbow Group by countless times. Otherwise, why would Qin Yu go to such trouble to get a board seat?

This is the advantage of the retail banking business model!

In Liu Xiufen's view, although Caihong Group has deep pockets, it also has a wide range of businesses. Even if it has hundreds of billions of dollars in cash, how much can it invest in the retail banking sector?

Ten billion or twenty billion?

Haha, even if it is 20 billion U.S. dollars, if converted into soft currency, it would be less than 150 billion U.S. dollars. It is not as much as the Guangzhou branch currently in charge of Liu Xiufen.

If so, why would she need to change jobs? !

Faced with Liu Xiufen's question, Qin Yu smiled slightly and took a sip of coffee before saying with a smile, "Since we have decided to enter the retail business sector, we have naturally made thorough preparations."

After a pause, she seemed to hesitate, but then suddenly smiled, "You haven't come here yet, and there are some business matters that are not convenient for you to know.

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

A clear card?

So there are still hidden cards?

Liu Xiufen pursed her lips and smiled without saying a word, waiting for Qin Yu to continue.

Qin Yu leaned on the armrest of the sofa and said with a smile, "Our first card is Honggu Capital and Chuangfuture!"

Liu Xiufen rolled her eyes and asked, "All the companies you have invested in?"

"right,"

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

In addition to Damai, Dajiang, Hengli, Anjia, and Huahuo that have been successfully incubated, we have nearly a thousand companies in Guangzhou alone that we can use.

According to our estimates, within three years, at least three-digit companies will be successfully incubated, and at least two-digit companies will be launched on the market.

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

and their employee salary accounts,

Mr. Liu, can you imagine how much funds we can absorb from Guangzhou alone? ! "

Hearing this, Liu Xiufen couldn't help but nodded, sighed and said,

"I was negligent. The Future Maker Space has spread to the twenty 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 big as companies like Damai and Dajiang, but they are at least tens of millions, or even billions. With these companies alone, even if they take only a part of them, Rainbow Bank can absorb hundreds of billions of deposits.

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

Even Rainbow Bank will participate in the growth of these companies from now on and will have more influence on these companies,"

Having said this, Liu Xiufen couldn't help but applaud twice, "It seems that Rainbow's entry into the retail business is indeed a good move!"

After a pause, he immediately raised his head, looked at Qin Yu with a smile on his face, and said seriously, "If I guessed correctly, the second card you mentioned should be the two real estate companies Anjia and Hengli, right? !”

Before Qin Yu could speak, Liu Xiufen said confidently,

“As early as two years ago, when I met with your Mr. Chen, I heard Mr. Chen’s wonderful analysis of the real estate industry. I have to say that I was really enlightened at that time.

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

According to the predictions of our bank experts, the above situation will definitely open the floodgates this year.

So, as the current absolute pillar industry of our country’s economy, real estate will undoubtedly usher in a wave of surge.

Hengli and Anjia are both excellent companies in the real estate industry. Through them, it is extremely easy to introduce the funds of home-buying customers to Rainbow Bank, thereby achieving the effect of collecting savings and lending! "

After saying so much in one breath, Liu Xiufen finally smiled self-deprecatingly, "I just focused on analyzing Rainbow Group's own conditions, but forgot about these two off-site factors. This is really wrong!"

After saying these words, she was already moved,

She has prospects, room for advancement, and is in her field of expertise. This position is indeed very suitable for her.

However, Min'an Bank is also her old employer that she has worked for for ten years, and she is very familiar with it from top to bottom.

Moreover, I had just been promoted to the position of branch president. It would be a pity and a reluctance to leave so hastily.

At this moment, he heard Qin Yu say with a smile, "It's a wonderful analysis, but I have already included this factor in the previous one, Mr. Liu!"

"ah?"

Liu Xiufen raised her head suddenly, with a face full of astonishment, and then asked in confusion, "Isn't that? What is that?"

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

Qin Yu smiled slightly and was about to speak when he suddenly noticed that Zhou Na next to Liu Xiufen had a look of eagerness on her face. He turned to look at her and said with a smile, "What do you think, Manager Zhou?"

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

"Is it related to the acquisition of non-performing assets you launched from the five major banks before?"

Upon hearing this, Liu Xiufen was suddenly enlightened, but also a little confused. Then she looked at Qin Yu, waiting for her confirmation.

Qin Yu first gave a thumbs up and said to Liu Xiufen, "Congratulations to President Liu, there is a successor!"

Liu Xiufen smiled first and said, "Mr. Qin is so complimentary. My little girl still needs a lot of exercise."

Zhou Na also blushed slightly, "I just made a wild guess."

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

She had not thought of this before, mainly because of her preconceived notion that the non-performing assets acquired by Rainbow Group must be handed over to Chuangfuture for reorganization and incubation into a larger enterprise.

But now they are being discussed separately by Qin Yu. It is obvious that they are not getting together.

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

It’s impossible to do like a bank and package it for auction again!

"These two are different."

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

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

The non-performing assets we acquired are basically fixed assets. Except for a small amount 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 Honggu Capital will not intervene too much. After completing the reorganization planning of the asset package, it will not be too involved in the subsequent operation and management of these assets. "

Liu Xiufen was a little sluggish. "Then I don't understand. What's the use of buying these assets? And you said they can help the bank?"

Qin Yu smiled, looked away at Zhou Na, and said with a smile, "Manager Zhou, can you guess another key point in revitalizing 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 clapped softly, "Absolutely correct!"

Zhou Na blushed and pulled up 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 be used just right.

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

At this time, Liu Xiufen nodded thoughtfully and said, "Fill these non-performing assets into the future industrial new city. If these assets are all 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 huge number.

As for such future industrial new cities, as far as I know, you have planned a total of twenty new industrial cities across the country. The three largest ones are in Beijin, Shanghai and Guangzhou, and the others exist in seventeen major cities.

If all these new cities were to develop, the impact they would have on Rainbow Bank would be unimaginable!

but,"

At this point, Liu Xiufen looked at Qin Yu and asked with a puzzled face, "How can you revitalize all these assets and achieve the desired results without relying on future creation?"

This is like saying, if I had 100 million, I could do whatever I wanted.

But, how to get this 100 million?

Qin Yu pursed his lips, shook his head slightly, and said, "I just said that there is no need for Future Future to incubate these assets. It does not mean that we do not rely on Future Future at all.

As we all know, Chuangfuture is the first and largest maker space in the country, dedicated to incubating start-up companies.

In fact, in addition to incubating enterprises, Chuangfuture also has another very important business, which is to provide comprehensive service support to enterprises in need.

This service covers administration, human resources, public relations, business, patents, legal affairs, finance, and even technical and market guidance.

There’s nothing you can’t think of, and there’s nothing we can’t provide! "

Looking at Liu Xiufen who was thoughtful, Qin Yu spread his hands and said with a smile, "Under this model, 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 Economics Research Institute of Honggu Capital and based on the characteristics of twenty future industrial new cities,

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

Then, based on the characteristics of these companies, we recruit responsible persons in the domestic market and sign operating contracts with them through modern corporate incentive programs..."

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

Providing production materials and resource assistance, what this person in charge has to do is to run the company well, and then he can get high bonuses, or 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 they were even worse than these non-performing asset packages.

Each one is heavily in debt, with no other support except a small amount of old equipment.

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

Now Caihong wants to learn from them?

"Well,"

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

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

The problem now is very simple. Recruit talents from the whole society. If you do it well, everyone will be happy. If you don’t do it well, you will step down and replace others.

It's that simple! "

Looking at the understatement of Qin Yu, Liu Xiufen's eyes were extremely complicated.

Is this simple?

According to what Qin Yu said, it's really simple to recruit people for trial, give them money and shares if they pass the test, and replace them if they fail.

But that’s not how the accounts are calculated!

If it were really that simple, the corporate restructuring back then wouldn't have caused such a fuss, and even she herself wouldn't have left a major state-owned bank within the system and gone to a newly established private bank.

Very simple reason,

What should I do if this person I hired makes the company suffer losses? What should we do if corporate assets are wasted or even lost? What should we do if there is collusion between inside and outside?

These are all problems that actually happened back then.

Yes, Chuangfu has special legal and financial systems and dedicated personnel to supervise and minimize the occurrence of such situations.

However, this is an asset worth tens of billions.

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

However, even Liu Xiufen herself admitted that the feasibility of their operation plan is very high.

First of all, there are examples of state-owned enterprises reborn from the ashes, which prove the role of share incentives.

On the other hand, Chuangfu’s perfect service and supervision system can prevent asset losses to the greatest extent.

The biggest obstacle to this approach is the boss's courage, which the other party has also shown.

So there's nothing else to say,

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

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

Qin Yu smiled, nodded and said, "I understand."

After a pause, she threw out another heavyweight chip.

"If President Liu is reluctant to part with Min'an Bank, there is no need to worry about this, because as long as you agree to come over, the director position assigned by Rainbow Group to Min'an Bank will be yours!"